Old McDonald Had A Farm…And We Offer Coverage For It.

farm

farmOK so our title may be a little silly, but it’s true! We live in a pretty rural area so chances are you know someone with a farm or may even have one yourself. It could be cattle, crops, or even vegetables that you “raise” on your farm. And we all know how much hard work farmers put into their farms. But what happens if you have property damages or say an animal gets loose and you need liability coverage…are you covered? 

Insuring your Farm

Many companies offer Farm Insurance that provides property, liability, or even comfort coverage such as livestock insurance. Whether your large-scale or a small family farm, you have options. Don’t you want to know that all your hard work is protected?

You can click here to learn more about the available business coverage available. 

A few things to think about

Depending of your type of business, you may need to consider additional safety precautions

Do you: 

  • Have employees?
  • Work with livestock?
  • Use heavy equipment?
  • Have crops?

Depending on how you answered those questions, you may need to consider additional measures. Do you know our office has resources available to use with employees? We also can help you put a plan in place for risk management. 

Give us a call today to see what options we have available for you. 

Make Sure To Do Your Part To Prevent Forest Fires

prevent forest fires

prevent forest firesThe end of summer is near, but that doesn’t mean you are confined to the indoors just yet. Many families spend the end of summer enjoying the outdoors by camping, cooking out or enjoying a nice campfire. Living where we do with lots of woods and national forests around us, we all need to do our part and takes steps to prevent forest fires. 

Steps to prevent forest fires

When you think about forest fire prevention, chances are Smokey Bear comes to mind. His website is full of tips and information on how to prevent forest fires. You can learn steps on how to:

  • pick your campfire spot
  • prepare your campfire pit
  • build your campfire
  • maintain and extinguish your campfire

You can view the Smoke Bear website by clicking here

Have a great end of summer and enjoy your time with your family in the great outdoors! 

Cowboy Boots and Cocktails To Benefit Raemelton

cowboy boots and cocktails

Friday September 7, 2018 is the annual event to benefit Raemelton Therapeutic Equestrian Center. This year’s theme is “Cowboy Boots and Cocktails.” Each year we have a great time at this event, and this year we are excited to break out the cowboy boots! (If you remember we dusted off our western apparel earlier this year at the Mid-Ohio Business Expo. You can view those pictures on our Facebook page by clicking here). 

cowboy boots and cocktails

About Raemelton Therapeutic Equestrian Center

Raemelton is a local non-profit organization dedicated to providing therapeutic riding for the handicapped. They were founded in 1995 and serve more than one hundred students per week. Their provide Therapeutic Riding and Equine-Facilitated Learning ground programs. They are located on the grounds of the former historic Frank Black Estate in Mansfield, Ohio. Their facility features an outdoor riding arena, an indoor riding arena with a heated viewing room, two barns and ample pasture space. 

Cowboy Boots and Cocktails Event

If you are interested in attending this great event, in addition to the flyer above, you can click here for additional details. We hope to see you!  

The Importance of Not Texting And Driving

texting and driving

According to the National Highway Traffic Safety Administration (NHTSA), every day more than 1,160 people are injured in crashes involving a distracted driver. In addition, the NHTSA claims that driver inattention is the leading contributor is most crashes or near-miss accidents in the United States. Those are some startling statistics that enforce the importance of not texting and driving. 

Many of us are guilty for just taking a quick glance at our cell phone to see an incoming message. Or sending a quick OK, or yes response. Just because you do not send full text messages, does not mean that it is ok. Any texting while behind the wheel is dangerous. 

Some facts on texting and driving

  • Sending or reading a text message takes your eyes off the road for about 5 seconds. That’s long enough to cover a football field while driving at 55 mph.
  • Of all crashes, over 90 percent involve driver inattention within a 3 second window of the crash.  
  • Each day in the U.S., approximately nine people are killed and over 1,000 are injured in crashes that involve a distracted driver, according to the NHTSA. 

texting and driving

Texting and Driving Is Against The Law

Most states have adopted laws banning the use of cellphones and texting while driving. These laws help stress the importance of not texting and driving. Stay safe and remember:

Stop The Texts, Stop The Wrecks 

Important Insurance Tips For Your College Student

Insurance tips for your college student

Insurance tips for your college student

High School is over and it’s time for the next big step, college. The new students schedule is done, books are purchased and the day is approaching fast for the big move. New furniture, décor and electronics are all packed and ready to go. Before your college student can begin their next adventure you have one last item to complete on your check list. Talking with your insurance agent. While that may seem like an odd item to have on your checklist, it is probably one of the most important. Your insurance agent will have important insurance tips for your college student. When your child leaves home and takes up a new residence at college, that can affect how their belongings are covered. Below are a few questions you may have when it comes to insurance and your college student.

Will my college student’s belongings be covered by my homeowners policy?

Does your child lives in a campus dorm? There is usually a small amount of coverage that would be extended from your homeowners policy. If your child has expensive items, or a lot of items, you may need to consider purchasing additional coverage. Does your child lives in off campus housing? Their belongings may not be covered at all.

Is renters insurance really necessary?

Yes. Chances are your child’s belongings will exceed the amount provided by your homeowners policy, if they are even covered at all. Renters insurance will cover the possessions in your child’s housing at a small cost. You can purchase renters insurance for as little as $15 per month. This will not only give you the extra coverage, but peace of mind that that expensive new laptop or TV will be protected in the event of fire, theft, or other disaster.

In addition to your college students belongings, the move to college can affect your auto coverage and health coverage.

Will your child move more than 100 miles away from home?

If this answer is yes and they do not keep a vehicle at school, your insurance premiums could decrease by as much as 30%. If they are taking a car with them, be sure to review your auto coverage with your agent. Make sure you have the appropriate coverage and your child understands how it works in the event of a claim.

Does my child need to purchase health insurance?

In the state of Ohio, many health insurance carriers are now required to coverage children up to age 26. This rule applies regardless of full time student status. Be sure to review your health coverage to verify the dependent age limit on your plan. Also, make sure your child has an ID card with them if they should need to see a Dr or get a Prescription. They should also understand how the coverage works and if there is any copay they will be responsible for if they should have to use the coverage.

Sending a child to college can be a scary yet exciting time for everyone. When you add your insurance agent to your list of people to talk to during this transition, it can help give you peace of mind for you and your child’s future insurance needs. Remember, your agent is a great source for insurance tips for your college student.

Did you find this information helpful? Please share this information.

Flu Season Is Around The Corner, Are You Prepared?

Flu Season

Flu SeasonSchools are back in session and before you know it, it will be time for the dreaded flu bug. Before you know it you’ll start to see the signs to get your flu shots. And you know what that means? It’s flu season. Hard to believe it’s that time of year already, yet here we are.

What can I do during flu season?

There are several ways you can help protect yourself and your family from getting the flu this flu season. 

  • Get a flu shot (which many health insurance companies will cover at a reduced rate or at 100%, check with your agent)
  • Wash your hands frequently with soap and water for at least 20 seconds or use hand sanitizer
  • Avoid touching your nose, mouth and eyes
  • Avoid crowded settings if possible, if not avoid touching your nose, mouth and eyes and wash your hands as soon as possible after
  • If you are the one with the flu, stay home and keep your distance from others so you don’t spread the flu

While these tips won’t guarantee you won’t get the flu, they can help reduce the chance. Do you need help determining how your health insurance will cover a flu shot? Give us a call, we can help

You Need To Know These 4 School Bus Safety Tips

School Bus Safety

School Bus SafetySummer is almost over and our local schools are gearing up for the new school year. With school back in session, that also means school buses will be back on the road. Chances are you’ve gone over some school bus safety tips with your kids and what they need to know as riders. But have you reviewed the school bus safety tips you need to remember as a driver? Or gone over them with your new teen drivers? 

School Bus Safety

Being extra cautious around buses are critical. After all, they carrier the most precious cargo. In the next few weeks when you start seeing buses on the road, keep in mind these 4 school bus safety tips. 

  1. Be prepared to stop when you see the bus driver turn on the flashing red lights and raise the stop sign; a passenger is getting off.
  2. Never pass a stopped school bus that is unloading students.
  3. Remember that buses stop at railroad tracks so keep your distance as you approach them.
  4. Obey speed limits in school zones and give school buses the right-of-way

Start the new school year off on the right foot. While the increased traffic is a little of on inconvenience, everyone’s safety should be the #1 concern this year.

From your friends at Rinehart-Walters-Danner Insurance, have a great 2018-2019 school year! 

Rinehart Team To Help Out With Day Of Caring

Day of Caring

Day of CaringEach year the United Way of Richland county hosts a day of caring. The 2018 Day of Caring happens to be Friday August 3rd. Local businesses, like ours, volunteer their time to help out numerous United Way partner agencies. Many of these partner agencies have limited income and rely on donations and grant money to cover expenses. Paying for landscaping, painting or other services may not be in the budget for these local services. That’s where the United Way and local business volunteers come in. 

By volunteering our time, we can help these local organizations take care of some of their much needed non necessities. A day of “hard labor” for our volunteers can make a huge impact to many. As a member of this community, we want to do our part to give back and help out.  This year our Rinehart Team will be made up of 6 members. Team members are Partners Ted Wendling, John Hower and Marc Pfizenmayer, Agents Matthias Stewart and Zach Delong, and Account Manager Laci Vanderpool. This year we have the honor of helping the Harmony House.

About Harmony House

If you’re not familiar with Harmony House, they are a local homeless shelter located in downtown Mansfield, OH. They have been assisting those in need since 1990 and operate 24 hours per day, 365 days a year! You can click here to learn more about them and their services. 

Our agency has been part of the Day of Caring for numerous years. We actually have also been involved in past projects with Harmony House. We are thrilled to once again lend a helping hand!

Keep an eye on our Facebook page for pictures of our work throughout the day. 

 

6 Tips For Driving In The Rain and Thunderstorms

Driving In The Rain

 

Driving In The RainDriving in the rain or during a thunderstorm can be pretty nerve-wracking for most people. Worrying about having an accident or being stuck on the side of the road can be very overwhelming. It can also be very dangerous. However, a few tips and adjustments can take away some of the anxiety and help you stay calm during your commute.

Driving in the rain and thunderstorms

If you happen to get caught driving in the rain or thunderstorm, don’t panic . There a extra precautions you can take to make your trip a safe one.

A few tips to keep in mind:

  1. Turn on your headlights, wipers and defroster to increase visibility.
  2. Drive in the tracks of vehicles ahead of you and reduce your speed.
  3. Allow for increased space between your vehicle and the one in front of you.
  4. If you hydroplane, hold the steering wheel straight and remove your foot from the gas.
  5. Do not use cruse control during inclimate weather.
  6. Pull off the road in an open area away from trees to avoid a lightning strike.

Helping you to avoid claims is just one of the many value-added services we provide. In the unfortunate event you do have an accident, we will help you through the process. Give us a call during business hours or click here to view our after hours claim contacts. 

Life Happens. Our Mobile App Is Here To Help!

Mobile App

Mobile AppLife is full of unexpected twists and turns. You can almost always count on the unexpected. While we can’t prevent the unexpected, we can be there for you during your time of need. Auto accident, house fire, or simply for advise. We’re here to help and we have a new tool just for you. Our Rinehart Insurance Mobile App!

Why do you need our mobile app?

Because you never know when the unexpected will happen. I can almost guarantee you don’t carry around all of your insurance documents. But i’m willing to bet you have your cell phone with you. Our Mobile App is a great tool to store important insurance information and Auto ID card copies. 

When you download our Mobile App you will be able to:

  • Have all our contact information at your fingertips. Address, phone number, email, even links to your social media sites!
  • Enter policy information for your home, where you rent or any additional properties you may have. You can even include pictures for quick/easy recognition. 
  • Create a home inventory. In the event of a fire or natural disaster, will you be able to remember and provide details for all of your belongings? 
  • List all of your auto’s and their policy information. You can even take a snapshot of your Auto ID card and save it for easy access
  • In the unfortunate event of an Accident, our mobile app will walk you through the steps of what to do and what information to collect. You can even contact the closest tow truck if needed. 
  • Contact your insurance company directly to make a payment or check on claim status

Simply download the app and enter your policy number and other important policy information you wish to have available at your fingertips. 

How to download our mobile app

Downloading our mobile app is easy. Simply ask your CSR to send you an email invitation today. You can also go to your app store and download the Insurance Agent app. Click the appropriate link below, download the app, then select Rinehart Insurance from the list of agencies.