Posts Tagged ‘ free insurance quote ’

Travel Insurance Makes for a Worry-Free Vacation


cute family at airport

How many times have you planned a vacation and something has come up. Be it a family emergency, work conflict or medical situation, travel insurance can be a trip investment worth making. Travel insurance covers many unforeseen expenses while traveling.

Members 1st Insurance Services offers a broad range of travel insurance options to fit your specific travel needs whether your trip is a domestic summer vacation or you’re heading abroad. Options offer higher limits and family packages. 

Coverage includes:

  • Trip Cancellation
  • Trip Interruption and Delay
  • Emergency Medical Coverage
  • Medical Evacuation/Repatriation
  • Air Flight AD&D
  • 24 Hour Emergency Assistance
  • Concierge Services

Options for Everyone
We offer a broad range of travel insurance options to fit your specific travel needs.

Coverage and Services may include a Pre-Existing Condition Waiver, Primary Medical Coverage on International Travel, Family Plan Perks, and Medical Assistance Services.

Contact Members 1st Insurance Services today to learn how we can help you with Travel Insurance by calling (800) 283-2328, ext. 5218.

FREE Insurance Quote

 

*Travel insurance is available to PA  and MD residents only. Ask an Insurance Services representative for details.

Watch out for deer this time of year


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It’s that time of year when deer are on the move. According to a State Farm Auto Insurance 2013 Deer-Vehicle Collision Report, here’s the top 10 states with deer crash risks. Yep, Pennsylvania made the list:

1. West Virginia – 1 in 41
2. Montana – 1 in 65
3. Iowa – 1 in 73…
4. South Dakota – 1 in 75
5. Pennsylvania – 1 in 77
6. Minnesota – 1 in 80
7. Wisconsin – 1 in 82
8. Mississippi – 1 in 84
9. Arkansas – 1 in 89
10. Michigan – 1 in 92

We’d like to pass along the following*:
• Deer are most active between sunset and midnight, and during pre-dawn hours so watch for them.
• Migration and mating season is October-to-January.
• Slow down in posted deer-crossing areas.
• If you see one deer, remember that others are probably nearby.
• Use high beams at night in deer territory when there is no oncoming traffic.
• If a deer is frozen in your headlights, honk your horn in a loud, sustained blast.
• Don’t rely on deer whistles or roadside reflectors; they have not been proven effective.
• If you can’t avoid a deer, brake and stay in your lane. Don’t endanger other vehicles.
• If you strike a deer, do not touch the animal. It may harm you or further injure itself.
• Call police immediately if you hit or are hit by a deer.
• Take pictures of the accident scene and vehicle damage for your insurance claim.

Lack of auto coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs: comprehensive, collision, bodily injury liability, property damage liability, injuries caused by uninsured/underinsured motorists, and medical payments. Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Call us for a free insurance quote at (800) 283-2328, ext. 5218 or 5245 or visit our insurance services web page.**

*Source: Insurance Information Institute 
**Insurance services are avialable to Pennsylvania residents only.

Keep Your Pets Safe In An Emergency Situation


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You may have an emergency plan in place for your family, but have you included your pets? Here are some tips for keeping your furry family members safe in case you need to evacuate your home during an emergency or you lose power.

ASSEMBLE A PET CRISIS KIT. Round up all of the things you’d need for your pet(s) in case of an emergency and place them in a large duffle bag or sturdy container/tub that’s labeled and ready at a moment’s notice. Some items to include are: disposable litter trays and kitty litter (even aluminum roasting pans work well as litter boxes), enough dry food or “pop-top” wet food and bottled water for 3-7 days, at least one weeks’ worth of your pet’s medicine, a pet first-aid kit, cat/dog beds, blankets, extra collars/harnesses/leashes, bowls, pet carriers and favorite toys. Make sure to include vaccination records and other important details specific to your pet’s health in your pet crisis kit, too.

LOCATE A PET-FRIENDLY SAFE PLACE TO STAY IN CASE YOU’RE FORCED TO EVACUATE. Since not all Red Cross disaster shelters or hotels accept pets, it’s important to have a pre-determined safe haven for your entire family. Identify hotels in and outside of your immediate area that welcome pets and keep the list in your pet crisis kit. Check http://www.pet-friendly-hotels.net or www.tripswithpets.com. Consider asking friends or relatives outside of your area if they’d be willing take in your pets temporarily.

IT’S ALSO A GOOD IDEA TO PLACE A “PET RESCUE ALERT STICKER” ON YOUR FRONT DOOR OR WINDOW PANE NOW. Order a free sticker at www.aspca.org/form/free-pet-safety-pack or www.gopetplan.com/firesafety/. If you would have to leave your home (and you have the time), write the word “evacuated” in permanent marker across the sticker to alert rescue workers. Also, make sure your dog or cat is wearing a collar that lists your cell phonenumber in case you would get separated.

IF YOU DECIDE NOT TO EVACUATE, TAKE PRECAUTIONS. Designate a room in your house as your “safe place” where your family (pets, too) can go in case you decide to wait it out. Keep your pet crisis kit in this area so you’re as prepared as possible.

LET US BE PART OF YOUR CRISIS PLAN, TOO. We partner with Petplan® Pet insurance to help you pay those unexpected veterinary bills when your furry friend has an accident or gets sick.* With Petplan,® you can follow your veterinarian’s treatment plan, knowing that your pet health insurance will help provide you with financial peace of mind. For a free quote, visit www.GoPetplan.com. Questions may be directed to (866) 467-3875.

For information about personal insurance, call Members 1st Insurance Services at (800) 283-2328, ext. 5218 or 5245. Insurance services is avaiable to Pennsylvania residents only. We have several insurance carriers who extend additional group discounts to our valued members. Call us for details.

*Terms and conditions apply. For full details, visit www.GoPetplan.com. Coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Pet insurance policies are issued by AGCS Marine Insurance Company and administered by Fetch Insurance Services, LLC (Fetch Insurance Agency LLC in Michigan) d/b/a Petplan (Petplan Insurance Agency, LLC in California).

Make sure you’re covered.


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It’s important to know that you could experience new penalties starting in 2014 if you don’t have health insurance. If you do not carry health insurance, you may have to pay a fee – along with all of your health care-related costs. To avoid the fee, you will need insurance that qualifies as minimum essential coverage. As a way to help individuals obtain the required coverage we will soon offer a new tool on our website (www.members1st.org) which will allow you to compare multiple plans from the top carriers in the industry and to enroll online. Beginning in 2014, Health Care Reform provides guaranteed eligibility, so you can no longer be turned down because of medical conditions.

If you have questions about Health Care Reform our licensed insurance professionals at Members 1st Insurance Services* are here to help guide you through this complicated maze. Give us a call at (800) 283-2328, ext. 6269.

For information about health care reform, visit www.whitehouse.gov/healthreform.

*Insurance Services is available to Pennsylvania residents only.

Fire safety and preparedness starts with you.


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Fire Prevention Week is October 6-12, 2013. Do your part in preventing fires every week, better yet, every day.  Unlike other types of disasters, most home fires can be prevented. From the kitchen to romantic candlelight, to holiday decorations and common household items, things you see and use every day can quickly spell disaster if you’re not careful.

Members 1st Insurance Services offers the following tips:

  • Install a smoke alarm on every level of your home. Test it monthly. Replace the battery at least once a year.
  • Keep a fire extinguisher on all levels of your home, especially in the kitchen.
  • Never overload power strips, extension cords or circuits. Do not place cords and wires under rugs, over nails or in high traffic areas.
  • Use appliances wisely. Watch out for overheating, unusual smells, sparks and shorts.
  • Make sure your wiring and heating system are updated and inspected by a professional.
  • Use safety caps on unused outlets especially if you have small children.
  • Clean your chimneys annually. Use fire screens.
  • Portable heaters need space. Keep a minimum 3-foot distance between them and anything combustible.
  • Do not use gas grills or camping stoves inside. Kerosene heaters should be used with caution.
  • Teach everyone in your home that matches and lighters are not toys.
  • Clean dryer vents and lint filters with every use.
  • Clean out. Piles of clutter are a fire hazard.
  • Practice escape plans from every room in the house. Learn stop, drop and roll.
  • For more tips, visit http://www.nfpa.org/safety-information/fire-prevention-week.

Call (800) 283-2328, ext. 5128 or 5245 today or visit http://www.members1st.org/products-services/insurance-services.

* Insurance services are available to Pennsylvania residents only. Ask us if you qualify for additional group rate discounts through our insurance carriers.

Don’t get run over by the lack of coverage


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There’s a lot riding on the right auto inurance. Lack of coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs.

When you talk about auto insurance, do you really understand what it all means? The following may help you understand some common auto insurance jargon. Please note that each state regulates auto insurance differently and some of the terms may differ from state to state or from policy to policy. Ask your insurance agent for clarification.

  • At fault – This is the degree to which you caused or contributed to the accident, or are “at fault”, and it determines whose auto insurance company pays what portion of the damages.
  • Bodily injury liability – This is what pays for the medical expenses and additional damages for which you are liable for other individuals injured in the accident in which you are at fault.
  • Comprehensive coverage – This pays for damages to your vehicle resulting from a covered loss other than a collision. Examples are theft, fire, vandalism, contact with persons, animals, birds or falling objects.
  • Collision coverage – This pays for physical damage to your vehicle if it’s caused by rolling the vehicle or you get into a collision with another vehicle or object such as a telephone pole, fence, or building.
  • Covered loss – This includes any damage to you, your vehicle or other people or property that is covered under your insurance policy.
  • Deductible – This is your upfront out of pocket expenses you pay before what your insurance company pays. Higher deductibles allow your insurance company to offer you lower premiums.
  • Property damage liability – This pays for the damages your auto causes to others and their property.
  • Medical payments coverage – This pays for reasonable medical expenses or death benefits to anyone covered under your policy, regardless of fault.
  • Premium – The amount you pay for your insurance coverage, monthly, quarterly or annually.
  • Underinsured motorist bodily injury coverage – This pays for your bodily injury and any related medical expenses when you’re injured in a car accident and the responsible party (someone other than you) doesn’t have adequate auto insurance.
  • Uninsured motorist bodily injury coverage – This pays for your bodily injury and related medial expenses if you’ve been injured in a car accident and the responsible party (other than you) doesn’t have auto insurance or can’t be located (hit and run).

Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Put the brakes on higher premiums and not being covered properly. Let us review your current auto rates and provide you with a FREE quote. We may be able to help you lower your premiums. Ask us if you qualify for an additional group discount through our insurance carriers.*

Call (800) 283-2328, ext. 5128 or 5245 today or visit http://www.members1st.org/products-services/insurance-services.

*Insurance services are available to Pennsylvania residents only.

Buying vs. Renting – What’s better?


What’s the best bang for your hard earned bucks? Buying or renting?

1st time home buyer

Both have merit depending upon your individual situation. We’re all seeking a comfortable, safe place to call home and it can be difficult to determine whether it’s best to rent or buy a home. Here are a few things to keep in mind when you’re faced with making that important decision:

Realities of owning your own home:

  • You feel pride of ownership
  • You build equity in your home
  • You have a sense of community, stability and security
  • You’re free to change the decor and landscaping
  • Sometimes you must pay a neighborhood or association fee
  • You’re not dependent on a landlord to maintain your property
  • There is less mobility than renting since you can’t mnove immediately until you sell your home
  • You’re resonsible for property taxes
  • You may receive tax incentives
  • You must mow the loan, clean the gutters, rake the leaves, and remove snow

Realities of renting:

  • You have little to no responsibility for maintenance
  • It’s easier to move, depending upon your lease term
  • You can start investing now since you don’t have to save for a down payment
  • If your rent is low enough, renting could be a better investment than buying a house. You could invest monthly savings in long-term certificates or other savings vehicles.
  • There are no tax breaks
  • You do not earn equity
  • You have no control over rent increases or if the landlord sells the property

If you are thinking of purchasing a new home, meet with one of our Mortgage Specialists. They’ll help you get an idea of how much home you can realistically afford and the types of financing available. It’s also a smart idea to get pre-qualified for a mortgage before you start your home search. Call us at (800) 283-2328, ext. 6026 from 8:30 a.m. to 5 p.m., Monday through Friday.

For more tips on buying vs. renting, click here.

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