Insurance made simple

Emergency Service

2012-01-04T10:09:00.003-09:00

Is your house well marked for emergency services? Be certain your house number is clear from the road way and not obscured by snow or blends in with the surroundings.

Good Hands Roadside Assistance

2011-12-19T11:06:00.003-09:00

Free Good Hands Roadside Assistance Available to Everyone! Simply fill out this FORM and you are instantly able to use our network and get reduced rates on towing, lock out, refueling, jump starts, and tire changes!

Hit and runs

2011-12-15T09:06:00.002-09:00

Tis the season there is an increase in hit and runs, specifically in parking lots.
The best advice is prevention. Park your cars in less traveled area or in an area less congested.
What is required when you do find damage on your car and there's no notes or witness? Take pictures with your phone, obtain a police report from the local authority and contact your insurance company right away. During the holidays there is an increase in uninsured drivers, and stress that may cause drivers to be more distracted than usual.

Snowmachine Insurance

2011-11-14T09:43:00.002-09:00

It's that time of year to start up those snowmachines! We can offer medical or liability Insurance starting at $38 a year! Call today 488-7033 or 451-7733

2011-11-01T09:38:00.001-08:00

Personal Property Insurance(clothes, furniture, collectables, toys, tv’s etc):

Do you know how much your belongings are worth? The figure is often much more than you may initially think. Taking the time to assess what you own, and to understand how your coverage works, we can help you make sure everything you value is adequately covered.

Start by walking around your home and look for items that you spent a lot of money on, or that have appreciated in value since you got them. Having a record (have this record stored outside of the home) of those items (pictures, documents, etc.) - especially those most important to you either financially or personally, is very important in working to ensure they are protected properly.

Finally, you will need to make a decision about how to insure your belongings and choose coverage options to suit your individual replacement needs, we here at Hood Agency are happy to help with this very important decision.

We here at Hood Agency will also help you with the very important decision on choosing Actual Cash Value or Replacement coverage for your personal belongings.

Short definitions

Cash Value: The cost to replace with new property of like kind and quality, less depreciation. (garage sale prices)

Replacement: The cost to replace the property with like or similar quality/brand with new.

Involved in an accident? or see one?

2011-10-19T10:34:00.002-08:00

See an accident or get involved in one, be sure to document the damage and vehicle positions, use your cell phone cameras!! Taking pictures can help avoid he said she said and document your accident. DO NOT USE YOUR PHONES WHILE DRIVING!
Also program in your cell phones our phone number for claims help 24x7 488-7033x 3 or 451-7733x 3 or Toll Free 866-488-7033x3 Or download our app on your mobile device Allstate Mobile

Please turn your head lights on

2011-10-11T12:03:00.002-08:00

It's getting darker earlier and staying darker longer every day. Stats show having your headlights on all day every day will greatly decrease your odds of getting involved in an accident. However it's most older cars don't have the auto running lights and as the season turns to winter there are cars that forget to turn on their lights.. be aware and always double check before entering roadways.

Want a free TShirt?

2011-09-27T10:13:00.002-08:00

Free Mahem TShirt for current customers of Hood Agency Email a017359@allstate.com to find out how!

Time of year!

2011-09-26T12:42:00.002-08:00

If you have a motor home, motorcycle or seasonal car don't forget to suspend or reinstate (winter vehicles). Super easy email a017359@allstate.com with instructions (great way to do this for emails are timed and dated!). Why suspend a toy or car? To keep fire, theft, vandalism, wind, hail, fire, and falling objects coverage for your vehicle at a very low cost.

(fixed) Life Insurance Month!

2011-09-07T11:44:00.004-08:00

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and pre-fund a child’s college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time. Life insurance can do all of these wonderful things for your family…there’s just one small catch. You need to own life insurance.
For more information CLICK HERE

In Good Order

2011-08-30T12:44:00.002-08:00

Here at Hood Agency your account information and protection from the worst is our highest concern. Please take a moment and ensure we have everything "In Good order"

Teens can win six free music downloads

2011-08-30T09:35:00.002-08:00

Simply register on our Teen Driver site, and sign the safe-driving promise with your parent or guardian and get six free music downloads! That simple!
Site to register on is :http://www.allstateteendriver.com/main.aspx

Does the car you drive fit your personality?

2011-08-25T09:03:00.002-08:00

"Everywhere you look, you can find little jokes about what your car can mean about you and your personality." If the car you drive is a less than common color it could mean "you are simply seen as someone who ‘marches to the beat of your own drum’ and doesn’t follow trends. You may be seen as eccentric, but you don’t necessarily care what others think of you." For more CLICK HERE

Gaps?

2011-08-09T10:50:00.004-08:00

Do you only have one car? or if one of your cars was down due to an accident would it have an impact on your family's ability to get to school or work? Full coverage is a slang and often misunderstood. Not all policy cover a rental car if one of your car(s) is involved in an accident. Be sure to know what your policy covers!

Please help us

2011-06-30T14:02:00.002-08:00

Time to update our records with just a minute or less of your time. Please update your emergency number and a couple other questions Thank you!!
CLICK HERE

Home inventories should be required!

2011-06-28T11:57:00.003-08:00

You never know when a disaster may strike—but you can be prepared with a home inventory. When a claim is filled on your home or renters policy, and there's damage or lost contents, the first requirement is document all that was damage. Imagine having to do this after a fire destroys part or all of your home. Home inventories are not required but should be! This very easy site has great tips and a software to help with your personal inventory. One other tip, keep all user manuals/product guides and store in a location away from your home (family members home, office, storage shed).
Site for your use

New no physical needed!

2011-06-16T16:27:00.003-08:00

Starting today we have a fixed term life policy that requires no physical!
(must be 18-45 yrs of age)

School is out and so are the bicycles!

2011-05-19T15:56:00.003-08:00

Please wear a helmet while riding this summer. Here are some Safety tips:

40% of vehicle-bicycle crashes involve a “right turn on red”.
46% of all vehicle-bicycle crashes take place between 3-7pm on weekdays.
39% of all bike crashes in Anchorage involve bicyclists between 6-18 yrs old.
In Anchorage, driver inattention and failure to yield were the main factors in bicycle related crashes.

Alaska Department of Transportation

Please double check your mirrors!

2011-04-29T16:23:00.003-08:00

It's that time again! Please double check our mirrors!

Program our phone number in your Cell phones

2011-04-21T11:25:00.004-08:00

We have heard from a few customers recently having our number a click away helps when the unexpected happens. Please take a minute and program our phone number in your phone.

Fairbanks number 451-7733

North Pole number 488-7033

Toll Free number 866-488-7033

Eco-Friendly

2011-04-19T11:23:00.002-08:00

More and more there are ways to reduce the impact to our environment, we here at Hood Agency are doing our part! Come by and get our bags, great for groceries!!(limit 4 per house)

Tiss the season

2011-04-05T09:14:00.002-08:00

Don't forget to reinstate your motor homes, with Arctic Man this weekend and spring in full swing we want to be sure you're covered!

Glass damage?

2011-03-31T13:57:00.002-08:00

glassdamageclaim Rocks everywhere, especially now that it's spring! If you have Comprehensive filling a claim is easy! Call 1800 626 4527, have your policy number ready before calling.
Often it is best to wait till the rocks are cleared from the roadways before scheduling your replacement or repair.

P.S. Comp/glass claims don't hurt your insurance rates.

Emergency prepardness

2011-03-14T15:01:00.002-08:00

With the tragedy in Japan it reminds us mother nature is powerful and to be prepared. Being we are near the arctic we have to be even more prepared.

The following items are important to have readily available in your home.
Generator (hook up easy to switch in the event of a power outage)
Flashlight with extra batteries
Portable, battery-operated radio
Radio
Purchase and use "glow sticks".
First aid kit and manual
Emergency food and water (some sources say you should have up to 2 weeks worth of extra food
Nonelectric can opener
Essential medicines
Cash and credit cards
Sturdy shoes for each family member.
Warm clothes
Blankets

For more go to this site How to prepare for an Earthquake

Bump up your credit score tips

2011-03-10T15:26:00.001-09:00

Wanting to buy a house or car this year here are some easy fast ways to bump up your credit score.

Pull your credit and repair errors.

Pay down credit lines over two months.

Pay bills on time from now on.

Never use “grace periods” pay early or on time.

Do not close unused accounts.

Cut up credit cards, but keep the oldest one. (even if you don’t use it)

Spread your debt over your credit cards rather than one with all debt.

Rapid re-scoring you'll need a lender who is a customer of a rapid re-scoring service. Generally, the service will run roughly $50 for every account on your credit report that needs to be addressed, but it could save you thousands on your loan.

More on these tips go to this site, and some tools and strategies to get your score higher :(click here)

Spring time can bring Flooding

2011-03-07T13:27:00.003-09:00

Springtime is just around the corner.. your homeowners and renters policies do not cover flood water (water from the outside of your home). Flood insurance is the only protection through FEMA can cover water damage from spring flooding. Want to know what a flood could cost? Below is an interactive tool to give you an idea.
Interactive Tool

Note: flood insurance has a 30 day waiting period, so don't wait to get coverage.
Quote and information click HERE

TONS of snow!

2011-02-25T09:23:00.003-09:00

With all the snow we've had this past week and predicted in our future, is it time to shovel our roofs? There's many factors to consider, is your roof flat or sloped? What is the material on your roof? metal or shingle?

The load needed to collapse a code-built roof would still require much more snow, local building officials said. An approved roof is required to hold 50 pounds per square foot in Fairbanks.
More info

Calculating snow loads for flat and sloped Roofs, More info

p.s. if you're going to attempt to clear your roof yourself, please be careful!

Tax time!

2011-02-17T16:48:00.003-09:00

Don't forget to have your property insurance figure when filling your taxes. We can easily work up this figure for you, please email akallst8@yahoo.com and we will get the figure to you fast!

Witness to an accident?

2011-02-17T12:15:00.002-09:00

Driving to work and witness and accident? Please please stay at the scene and help the parties involved. Many times accidents happen so fast parties and parties involved are so shaken the details are hard to recall. If you're in a rush, simply provide someone at the scene your name and phone number (business card) and let them know you'd be happy to help. This act of kindness may ensure one's insurance rates don't go up and who knows someone may pay it forward to you one day!

Prevention of Freeze ups

2010-12-29T13:14:00.002-09:00

One of the most common and most expensive claims we handle every year is Freeze ups. It's common for us Alaskan's to travel during the dark and cold months, however this is when these horrible claims occur. The best prevention is to have a house sitter. Another option is to install Freeze/Water Alarms in your home. There are many to choose from. Also if you have an alarm system on your home, it may be a simple upgrade with little to no added cost. Here are some we found on a Google search
HomeSitter Freeze and Water Alarm
Temperature@lert USB Standard 3.5
Control Products Temperature Alarm Dialer

Happy Holidays! and Hours today

2010-12-24T10:15:00.004-09:00

Here's wishing everyone a safe and warm Holiday! We are open today till 3pm, stop by or call.

Customer satisfaction Results

2010-12-13T11:28:00.002-09:00

We are so blessed to have great customers! Our customer satisfaction results are in! We are one of the highest in our REGION! We are very proud! Truly shows we have a great team and meet our customers needs!

Drinking myths

2010-12-10T18:49:00.003-09:00

As long as you've gotten a few hours of sleep, you'll be OK to drive the morning after you've been drinking.

Power naps, even in the middle of the night, are not sufficient. Alcohol is processed out of the body at your body's own fixed rate. Your reflexes and other physical abilities can be affected for as many as 10 hours after you've finished your last drink (and this could be longer if you had a tremendous amount to drink).

If I have too much to drink, I can drink a lot of coffee to sober up quickly. Right?

Ha. Tell us another one! Drinking a lot of coffee after drinking too much alcohol may, however, increase your discomfort through the need to use the bathroom while being transported to the jail on DUI charges. Only time will remove alcohol from the system. It takes the body approximately one hour to eliminate the alcohol in one drink. An old saying goes, "give a drunk a cup of coffee and all you have is a wide-awake drunk.

Splashing cold water on my face or taking a cold shower will help sober me up.

Splash away! And by all means, take a cold shower. It may make you cleaner, but it won't sober you up or make you a safe driver. The deputies at the jail, however, prefer clean drunks and recommend showering prior to doing anything that will lead to your arrest, such as driving after you've been drinking.

More go to http://www.augustadui.com/misconceptions.cfm

Please do not drive drunk or buzzed.
Fact: Among all the embarrassment and other expenses, your auto rates will double or triple.

Roadside Assistance

2010-12-02T10:07:00.004-09:00

Due to the Ice Storm last week we processed a bunch of towing claims, easily in the 1,000's of dollars through our motorclub program. If you weren't aware we have a plan that pay for UNLIMITED dollars, and miles! Also pays to unlock your car, helps you get back on the road if you get a flat, run out of gas or need a jump start. This comprehensive plan also provides lodging and meals if you are stranded more than 100+ miles away from home if you're involved in a collision. This plan also covers any car you drive! Call for more information.

We are open!

2010-11-24T09:50:00.001-09:00

Fully staffed and here today, roads have improved but advise not driving unless you have to!

Weather/saftey closure

2010-11-23T08:07:00.003-09:00

Due to the weather our office is closed however any questions, payments, changes or concerns our phones lines are still open. Please stay home and off the roads unless an emergency.
Important numbers:
Claims: 1800 255-7828 or log in online
Payments: 1800 255-7828 or log in online
Changes or questions: 1800 255-7828 or email katherinehood@allstate.com

Thank you for understanding, due to the information provided it's in the best interest of our staff to stay home safe.
For current road conditions
http://511.alaska.gov/alaska511/mappingcomponent/

Freezing rain and claims

2010-11-22T09:03:00.002-09:00

• Roads are very icy with multiple accidents reported this morning. Fairbanks Police and Alaska State Troopers are advising people to stay off the roads unless it's absolutely essential. Middle school buses have been canceled. Schools are open for students who are there and students will be bused home. If students are still home, parents are advised not to try to bring them to school. Fort Wainwright is closed. We will update this story throughout the day.

Read more: Fairbanks Daily News-Miner - Winter storm warning issued for freezing rain in Interior Alaska

The road conditions are very bad today, claim activity is very high. Please remember to exchange proof of insurance cards if involved in an accident (easily replaceable) and call 1800- 225 7828 to file a claim.

"Tag In" new Iphone app

2010-11-18T07:41:00.003-09:00

New Iphone app sends, quick messages, current location, and much much more!
http://www.allstate.com/mobile/tag-in.aspx

Calendars are in!!

2010-11-10T10:42:00.002-09:00

Email or post on Facebook if you want us to send a calender(s) your way(what type and how many).
Choices this year are Motorcycles, Forces of Nature, and the mini calendars.

Do you know your rights as a tenant?

2010-11-04T07:39:00.002-08:00

However, as a renter, it may seem like the fate of your apartment is in your landlord’s hands. Everyone has heard those stories about a landlord who fails to keep his/her building up to health and safety codes or those who take months to fix leaks and or broken smoke detectors.

While you can purchase renter’s insurance to protect your belongings from theft and fires, you should also be proactive in learning about your rights as a tenant and voicing your concerns when necessary. While tenant rights vary by state, following are some of the most common apartment renter’s rights, most likely addressed in your state’s landlord-tenant law:

1. Residences should be habitable and in compliance with housing and health codes
As a renter, you have the right to an apartment with adequate water, electricity and heat as well as a structurally safe apartment. This means if you find mold, heavy rust, bugs or rats, and/or broken or missing smoke detectors, you should contact your landlord immediately. If your landlord has violated terms related to the health, safety or necessary repairs of your apartment, you might be able to break your lease without legal or economic ramifications.

2. Generally, landlords are responsible for making necessary repairs and performing maintenance tasks in a timely fashion
Before you sign your lease, make sure you have discussed the turnaround time for any repairs or maintenance tasks and the agreed upon time down in writing. You should also check to see if you can order repairs and deduct the cost from rent.

3. Landlords cannot change the locks, shut off your utilities or evict you without notice
While you’ve probably seen movies where an unsuspecting renter comes home to find his couch and other belongings along the sidewalk, most states prohibits landlords from evicting you without a court ordered eviction noticed.

4. Your security deposit is regulated
Many states not only limit the amount your landlord can charge for security deposits, most states also require that your security deposit be returned within 14 to 30 days after you have moved out. Your landlord cannot deduct from your security deposit for normal “wear and tear” and some states, like Illinois, require an itemized report of deductions.
For more go: http://www.goodhandscommunity.org/n/blogs/blog.aspx?webtag=aghplanblog01&entry=64&nav=main&utm_source=Facebook&utm_medium=GHC&utm_campaign=blog

Time to ride?

2010-11-01T09:38:00.001-08:00

Effective today we are able to insure even the high performance snow machines! Simple liability is $38 dollars a year! call today!

Health Insurance

2010-10-27T10:42:00.002-08:00

Do you have a health insurance plan with a high deductible or no health insurance at all? We now have a product that can help. Email akallst8@yahoo.com for more information.

Landlord? This website is a must see!

2010-10-22T14:29:00.003-08:00

If you don't have a property management company this website is a must see!
http://www.tenantwatch.net/
Remember to get proof of renters insurance (paid in full) with every new lease or renewal. Renters insurance will cover your tenants belongings, and pay to relocate them. For the landlord it will insulate you from some claims and one more insulation against certain lawsuits.

Filing An Auto Insurance Claim: Podcast

2010-10-20T11:40:00.000-08:00

Winter Emergency Kit for your car

2010-10-11T09:31:00.001-08:00

It is that time of year when we need to prepare for the unexpected vehicle breakdowns. Please assemble a Emergency kit for every car you own. (teen drivers need to be especially prepared, have them help so they know what's in the kit and know how to use the items).

Some suggestions for emergency winter car kit
Flashlight
Flares or reflective triangle
distress sign
telephone change (quarters)
Fully charged cell phone

Winter clothing (caps, socks, mittens, and boots)
Jumper Cables
Carpet strips, sand or kitty litter for traction, bag of sand
Ice scraper and brush
Blanket
Chocolate candy (best part)

Water

MRE

Toilet paper

Granola bars, other non-perishables

First Aid Kit

Emergency tire sealant

Basic tool kit (pliers, screwdriver, adjustable wrench)

Pocket knife or scissors

Shovel

Sleeping bag, never know!

Rags

Rope

Lighter and matches

Candle

Duct tape
Tire chains
Hand Warmers

Time to park it?

2010-09-28T13:17:00.001-08:00

With the chance of snow this and next week, we are sad to see summer is officially over.. Please feel free to email a017359@allstate.com with any cars or toys that are now winterized and not going to be used till spring.. this will reduce your insurance considerably!

Fire Prevention saves Money!

2010-09-23T15:11:00.004-08:00

A fire is not only emotionally devastating and life threatening, it can be financially devastating, as well.
Some Tips on avoiding a fire:
Keep fire extinguishers readily available and up to date
Don’t burn near the house or other flammable objects
Have your chimney, wood stove, or furnace professionally checked
Don’t leave the kitchen or grill unattended
Be careful with candles, space heaters and cigarettes
During the holidays, water your Christmas tree
Keep matches and lighters away from kids
Know how to put out fires
Be careful with outdoor landscaping
Get a lightning rod
Unplug items when not in use
Clean your dryer
Keep flammable materials to a minimum
Have all electrical work done by a professional and inspected
Check electric blankets and heating pads
(for details click here : http://www.savingadvice.com/articles/2010/08/27/106452_fire-prevention-saves-money.html )

Water Damage: Test Your Water IQ

2010-09-22T07:41:00.000-08:00

Every Day an average of 11 teens die...

2010-09-08T11:46:00.003-08:00

You can make a difference. To achieve our goal, we need your help to persuade Members of Congress to pass the Safe Teen and Novice Driver Uniform Protection Act (H.R. 1895, S. 3269). It has the potential to save thousands of teen lives by better preparing them for the road.

Want to help pass and enforce minimum standards Simply "Like" Save 11 facebook page: http://www.facebook.com/save11

New! website for Teen drivers

2010-09-07T11:45:00.001-08:00

teen friendly website that teaches safe driving by offering fun, interactive learning activities along with motivational rewards. http://allstateteendriver.com/

How to Avoid Home Break ins/theft

2010-09-02T09:52:00.002-08:00

Over the past week we have had two claims filed one on a homeowners policy and another on a renters insurance policy for theft and burglary. In the News Miner August 24th there's four listing alone. Please take pre-caution and prevent break-ins and theft.
Here are some basics:
1. Lock your doors
2. Close and lock windows
3. Don't advertise valuables in the paper or online with your address
4. Keep your valuable private
5. Get an alarm (discounts on your ins)
6. Keep areas around house clear of bushes and keep well lit during dark times
7. Keep valuable in the home (don't leave expensive bikes outside)
8. Obscure windows with curtains or tint
9. Don't advertise on Facebook or other social media you're not home, tell your friends after you get back all the adventures you've been on.

More tips and further detail <

September is Life Insurance Awareness Month

2010-09-01T10:23:00.002-08:00

The Things We Do for Love...
We go to great lengths for our loved ones. We work hard to provide them with a life filled with happiness, comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our loved ones. We re-arrange our schedules to never miss our kids’ sporting events. We put in extra time at work to save up for that special family vacation. We rush out of the office to make sure we’re home in time for dinner with our loved ones. More go to Lifehappens.com
We have three licensed staff members in Fairbanks/North Pole and two in Anchorage that can provide more information and rates for Fixed Life Insurance. Also effective today we can now offer coverage without a physical.. call today!

Drive with your Headlights

2010-08-23T09:59:00.002-08:00

The days are getting shorter now, please remember to turn on your headlights. It's a good habit to have them on day or night, statistics show you're more visible to other motorists.
Headlight Laws In Alaska:
You must use your headlights:
Between one-half hour after sunset and one-half hour before sunrise.When weather conditions limit visibility to less than 1,000 feet.When driving on roads that require headlight use (Seward Highway).

Your help is needed!

2010-08-20T14:06:00.000-08:00

A favor please: about 600 random surveys will be sent to my clients today. If you get one please take a few minutes and fill it out. Our results are historically excellent but participation is low so I don't think we get a good picture of our service expertise or our need to improve. We do what we can with what we got and always trying to make it better. Thanks so much for your help!

Car Accident

2010-08-06T13:25:00.002-08:00

Do you know what to do after you've just been in an accident? There are a list of things to do, we have a insurance card holder with the details of all the important things to do. Simply email a request for us to mail (and put in the email the quantity) to a017359@allstate.com and we will send them out for FREE. One very useful tip is Exchange insurance cards, all the info on each others insurance, and names is handy without having to write them down. Also take pictures! Most phones have a camera, take lots of pictures (or have a disposable in the car). One last reminder be sure to report all accidents to the Alaska DMV, it's required. http://www.doa.alaska.gov/dmv/dealer/sop_boat/B140_accident_report.htm

Hilarious Allstate Ad w/Dennis Haysbert

2010-08-06T07:38:00.000-08:00

Life Insurance - Show this to Your Sales Prospects - LIAM - Ditch the Ex...

2010-08-05T12:40:00.000-08:00

America's most stolen cars

2010-08-04T10:31:00.001-08:00

Is your car one of America's most stolen cars? http://money.cnn.com/galleries/2010/autos/1008/gallery.most_stolen_cars/index.html

Fairbanks Borough Wood Stove Replacement or repair program

2010-08-02T15:04:00.002-08:00

Today's News Miner article there is now a program to replace or repair certain wood boilers and wood stoves. ARTICLE
Here's a link to a list of Certified EPA wood stoves LINK
This link shows the current Air Quality Index LINK
REMINDER: If you do replace your primary heat source, bring your insurance company a receipt to qualify for any additional discounts!

July Protecting Families from the Insurance Information Institute

2010-07-28T09:03:00.001-08:00

http://web.me.com/agentcontact/ACW/JulyLifWiz.html

Crazy4Love photos

2010-07-27T17:07:00.000-08:00

SlowDownAlaska.org

2010-07-26T11:04:00.003-08:00

This is a great site with tons of neat tips, quiz, Teen Driving Contract and advice.

One very important tip: The state of Alaska requires but “50/100” of liability insurance (AS 28.20.440 & AS 28.22.101). That means your insurer will pay “$50,000 per person, up to $100,000 per wreck.” This is far too little. It won’t even cover the first week’s stay in the hospital, much less the lifetime of pain you can cause by a single, inadvertent mistake.

http://www.slowdownalaska.org/

Auto Rental Collision Damage Waiver- WHAT IT REALLY COVERS

2010-07-22T14:48:00.002-08:00

Know what is and isn’t covered when renting a rental car, RV, motorcycle etc. Call the office to find out if you are covered. Below is the actual fine print in a Signature Visa Credit Card agreement. In short.. if you’re auto insurance doesn’t fully cover the rental car, it may save a lot of heart ache later to just buy the insurance at the rental counter.

What is this benefit?
When certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit ("Auto Rental CDW") provides—at no additional charge—reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. We will reimburse only for that damage or theft not payable by any other party.
IMPORTANT!
What is not covered?
• Any obligation you assume under any agreement (other than the deductible under your personal auto policy).
• Any violation of the auto rental agreement or this benefit.
• Injury of anyone or damage to anything inside or outside the rental vehicle.
• Loss or theft of personal belongings.
• Personal liability.
• Expenses assumed, waived, or paid by the rental agency or its insurer.
• Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company.
• Depreciation of the rental vehicle caused by loss or damage including, but not limited to "diminished value."
• Expenses reimbursable by your insurer, employer, or employer’s insurance.
• Loss due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities.
• Wear and tear, gradual deterioration, or mechanical breakdown.
• Items not installed by the original manufacturer.
• Loss due to off-road operation of the rental vehicle.
• Loss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or insurrection).
• Confiscation by authorities.
• Vehicles that do not meet the definition of covered vehicles.
• Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence.
• Leases and mini leases.
• Loss or damage as a result of the cardholder’s lack of reasonable care in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended).
• Losses reported more than forty-five (45) days* from the date of loss.
• Losses for which a claim form has not been received within ninety (90) days* from the date of loss.
• Losses for which all required documentation has not been received within 365 days from the date of loss.
• Losses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
• What types of rental vehicles are not covered?
• Excluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.

Examples of excluded expensive or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered.

An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more.

This benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people and which is used exclusively to transport people.

For more information http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html

Energy Rebates, Loans & Weatherization Programs

2010-07-13T11:28:00.002-08:00

There are several programs offering rebates, be sure to enroll if you qualify for any of them, there's a huge waiting list and there was a notice posted that many didn't follow through with the paperwork so there are still monies available!
Website <<< click

Business planning Customer Appreciation event

2010-07-12T14:41:00.005-08:00

Own a business?? New or Old?

We are having a customer appreciation event with a speaker that will help answer some common business questions: How to keep your employee’s and protect yourself and many more!

Fairbanks Thursday at 6pm.

A great chance to network and look at what other businesses are doing to protect themselves and keep their employees.

Seating is very limited; please call with more details, location etc 451-7733 or 488-7033

NEW FULL PAY DISCOUNT!!

2010-07-06T13:16:00.002-08:00

Effective today all new auto policies and some current policies have a new 12% discount available. This is HUGE! Save 12% if you pay your auto insurance in FULL before your renewal date and save! After lots of work we have this discount and looking for more so stay tuned!

Free Bumper stickers

2010-07-01T09:13:00.003-08:00

We have three new bumper stickers available, all motorcycle themed, call or email katherinehood@allstate.com if you want us to mail one of the above.

Update on Flood Insurance "hiatus"

2010-06-30T11:36:00.001-08:00

As you probably know, the National Flood Insurance Program (NFIP) expired on midnight May 31, 2010 and has not been reauthorized by Congress. Consequently, the Program is experiencing a hiatus – a period without authority to:

Issue new policies for which application and premium payment dates are on or after June 1, 2010, or
Issue increased coverage on existing policies for which endorsement and premium payment dates are on or after June 1, 2010, or
Issue renewal policies for which the renewal premium is received by the company on or after June 1, 2010, and after the end of the 30-day renewal grace period,

until Congress reauthorizes the Program.

While awaiting Congressional reauthorization, FEMA is issuing the guidance below. For the most up-to-date information on the status of the NFIP please visit http://www.fema.gov/business/nfip/nfip-reauth.shtm or call the FEMA News Desk at 202-646-3272.

Rental covered in Canada and/or Mexico?

2010-06-29T08:46:00.002-08:00

If you have an active auto policy with Liability through Hood Agency (Alaska policy) your policy states the scope of its coverage as limited to "accidents and occurrences within the United States of America, its territories or possessions or Canada, or between their ports."

For travel into Mexico, you would need to add the Limited Mexico Endorsement, which states, "This coverage applies only while the insured auto is within 75 miles of the United States border and only for a period not to exceed ten days after each separate entry into the Republic of Mexico." (other policy terms and conditions apply)

The Motor home and Motorcycle policies have the Mexico coverage written into them and it states the same as the auto endorsement as far as distance and time frame.

Note: Motor vehicle accidents in Mexico are subject to the laws of Mexico, NOT the United States. In some cases, part or all of the policy may NOT be recognized by Mexican authorities. You should consider purchasing coverage from a licensed Mexican insurance company.

For more info call the office, we also have discounts on all major rental car companies.

Facts about Distracted Driving

2010-06-21T14:27:00.001-08:00

Distracted driving is the number one killer of American teens. Alcohol-related accidents among teens have dropped. But teenage traffic fatalities have remained unchanged, because distracted driving is on the rise. (Children's Hospital of Philadelphia and State Farm Insurance Study and NHTSA Study)
While over 90% of teen drivers say they don't drink and drive, nine out of 10 say they've seen passengers distracting the driver, or drivers using cell phones. (National Teen Driver Survey)

More about this issue click HERE

Working on ways to save more money

2010-06-18T13:08:00.001-08:00

If you could save 12% on your auto insurance, simply by paying your six month premiums in full a day or more before your renewal, would you do it?

Do you buy Gap Insurance?

2010-06-14T11:54:00.003-08:00

Just bought a new car? What if an accident occurred soon after taking your brand new ride off the lot? You have full coverage insurance, right? So, you're covered... or maybe not.

When you drive your new car off the lot the value of your vehicle plummets, sometimes as much as 20%-30%. Say for instance you pay $25,000 for your new vehicle and have an accident a month later. You probably have only made at the most one payment and if you did not put any money down your loan amount is still close to the $25,000 purchase price. Unfortunately, even with full coverage, which includes comprehensive and collision, you will only receive the market value of your vehicle which could be as much as 20%-30% lower than the purchase price. That means you may be stuck paying that 20%-30%. On a $25,000 car, just a 20% depreciation would be $5,000! That amount could be more if you financed your taxes and license into your loan.

GAP stands for Guaranteed Auto Protection. Most people just use the term GAP to represent the gap in coverage between how much one owes on a car and how much the car is worth. GAP insurance is necessary in almost all cases and is relatively low cost. GAP insurance is a must if you are buying or leasing a new vehicle and should not be something that you decided to skip to cut costs.

So if you are buying a vehicle, and do your research and negotiate a good deal, and put down 20% or greater on a car, GAP isn't something you'll need to add at the finance desk. If you're not sure ask us! We can help with this decision.

We have a coverage available (gold and platinum plans) for new cars (never been titled before) a coverage for a small fee, that will either pay off your loan or replace your car within the first three years. Call for more information.

Article source

Lightning

2010-06-09T12:41:00.002-08:00

Yesterday in Fairbanks and North Pole we had a lot of thunder and lightning, thus far we had one customer's house get struck causing sizable damage mainly to electronics. Here are some tips and information for this time of year.

Over 1,000 people get struck by lightning every year in the United States, and over 100 of them die as a result of the strike. Lightning is a very dangerous force that, yes, can even reach you indoors if you're in contact with the telephone or plumbing.

Pete Turner/Getty Images
Lightning has the ability to strike a house or near a house and impart an electrical charge to the metal pipes used for plumbing.

If lightning strikes the phone line outside your house, the strike will travel to every phone on the line -- and potentially to you if you are holding the phone. So, if you are indoors during a lightning storm, stay off the phone. If you must call someone, use a cordless or cell phone -- that way, you're not in contact with any wires that run outdoors.

Stay away from plumbing pipes like your bath tub or shower, as well. Lightning has the ability to strike a house or near a house and impart an electrical charge to the metal pipes used for plumbing. If you're touching those pipes or anything connected to those pipes, that electrical charge has a path to you. This threat is not as great as it used to be, because PVC (polyvinyl chloride) is often used for indoor plumbing these days. If you are not sure what your pipes are made of, wait it out.

And while you're at it, switch off your appliances and electronics before the storm hits. Such devices as your computer, television and air conditioner all provide potential pathways between the lightning and you.

Site information was obtained from click HERE

Commercial Insurance is now Available!

2010-06-03T15:52:00.002-08:00

Based on popular requests we now have the ability to quote Commercial Insurance! If you are seeing your current policies prices going up and up, give us a call we can now offer a competitive edge! Or if you are newly in business, or about to take the plunge give us an opportunity to help you with your insurance needs.

Forest Fires in Alaska

2010-06-02T11:02:00.004-08:00

Seems smoke in the summer has been the norm now for a few years. This is a reminder to all property owners to protect your homes from fire. Here are some Firewise hints:

Roof: Use Class A asphalt shingles, metal, cement and concrete products
Exterior Construction: Wall materials that resist heat and flames, brink cement, concrete..
Windows: Double pane, tempered glass
Landscaping: clear 100-200 feet around your home, removing, firewood, dead and dense vegetation from at leas 30 feet. Also picking up leaves, branches and needles regularly. When planting choose plants that have higher moisture content, they are more fire resistive.
Firewood: store away from your home so it can not act as a direct fuel source to your home.
For more tips and suggestions:FireWise website (click)
Today's article in Fairbanks Daily News Miner (click)

Home Burglar Alarms

2010-05-20T10:20:00.002-08:00

Home security is an important factor for many homeowners, and there are many security measures a homeowner can take. From trimming bushes back to installing deadbolt locks and motion sensing lights, there are numerous things homeowners can do to protect their home from would-be intruders. One of the most secure measures a homeowner can take is to install a burglar alarm system.
There are two main differences between alarms that your insurance company recognizes. One is the Audible, this one sets off an alarm inside the home when an unauthorized entry is detected. The other would be a reporting system that dispatch police, fire and rescue upon detection of a security breach.
Either are recommended, however the reporting system will over a larger discount on your home insurance. Be sure to provide proof of any alarm systems, via email a017359@allsate.com or by fax 907 488 5237.

Replacing a Furnace? get the rebate and tell your insurance company

2010-05-13T12:10:00.002-08:00

There are several benefits to replacing your furnace. For starters if your furnace is 20+ years old it may be time. A new furnace by be more efficient and save money on your fuel costs... There is a Federal Tax credit 30% of cost up to $1,500 tax credit available.

Also don't forget to contact your insurance company, there are discounts for replacing your main furnace/boiler with most companies. Also ask about other renovations, to see if there are savings for them as well.

How Fast can your home run from wildfire?

2010-05-04T17:05:00.002-08:00

Homeowners can take effective measures to protect their homes and property. Adopting Firewise principles can reduce your risk of damage or loss to your property and community. This Firewise Alaska guide provides specific ways for you to protect your Alaska home from burning and how to create your family’s safety plan.

Please visit Alaska Forestry Fire Wise or Division of Forestry

Referral Program started today!

2010-05-04T14:34:00.006-08:00

We’ve built our agency by taking special care of our customers.
Our goal has been to offer every client with excellent service. If we have met this goal, would you feel confident referring others with similar insurance needs to us?
For Every Qualified Referral* that calls or comes in we Reward you with a $10.00 gift card/certificate.

Simply tell your loved ones and family to call for a quote and be sure to have them tell us you sent them.
-or-
Log into your www.allstate.com account click on "Refer a Friend" (top right blue box)
-or-
Go to our Facebook Fan page http://www.facebook.com/HoodAgency click on "Refer to us" tab

The prospects referred do NOT have to become our client for the referring party to receive a gift card/certificate. Winners must allow us to promote that they are a winner!
A qualified referral* is a person with an existing policy for us to compare against & willing to provide us with all of the information to provide a quote.

Here's a testimonial from a recent customer:

Katherine and her staff always deliver prompt service and the coverage you need at affordable rates and professional communications.

Mike Kennard

Teen Drivers

2010-04-30T12:24:00.003-08:00

In the state of Alaska roughly 20% of all accident fatalities and injuries involve teen drivers. Much like other states across the country, driving at night, driving with too many passengers in the car, and drunk driving are major causes for most teen accidents. What’s even more alarming is 24.4% of Alaska’s teen drivers with consuming arrests will go on to commit another DUI offense before their 31st birthday.

Although auto insurance premiums will increase if you add a teen to your policy or purchasing teen auto insurance will always be pricier than other policies, there are ways to qualify for discounts on teen auto insurance. Auto insurance companies offer discounts ranging from 10-15% or more for:

• Maintaining at least a B average
• Successful completion of the teenSMART Program

You can also lower your premiums on teen auto insurance if you avoid purchasing sports and luxury cars for your teen, if you opt for a higher deductible, or if you combine insurance policies into one (i.e. life, home, health, renter’s, etc.).

Hulk Hogan had to use his own money to settle out-of-court a lawsuit filed by the estate of his son’s injured passenger, John Graziano, because Hogan’s insurance was inadequate, the lawsuit says.

Terry Bollea’s (aka “Hulk Hogan”) recent lawsuit against his former lawyers at Zuckerman Spaeder, has several lessons to teach consumers.

Here’s the short version of the story. Bollea’s son, Nick, was involved in a very serious car crash when he was 17 years old. In fact, his passenger was permanently injured. The Bollea family had car insurance with Progressive Insurance Company. Progressive carried $250,000 of coverage, which is way too low a figure without PUP. This is yet another example of how direct companies like Geico and Progressive can cost you a whole lot with their “15 minute Auto Quotes.” or “Name your Price” For these companies, $250,000 in coverage means that your insurance will only cover you for up to a total of $250,000 in damage. But, if your assets exceed $250,000 in value, you will be personally liable for the difference. Far too often, I have seen Geico and Progressive customers, who have large, costly holes in their coverage, actually think they are saving money on their insurance.

After Nick’s accident, Bollea did not notify Progressive of the incident. Instead, the Bollea family hired the Zuckerman Spaeder law firm to represent young Nick in any civil claim and any criminal claim that might arise from the accident. The family agreed to pay an astonishing $550 per hour for legal services. Ultimately, the Bollea family paid the law firm a grand total of $1,500,000 in fees.

Now, Bollea is suing his son’s former law firm, alleging that the firm failed to notify him that Progressive would have provided a legal defense at no financial cost. If the allegations are true, these lawyers could be in a heap of trouble.

Three Simple Lessons:

#1: Make sure you have enough coverage from your Insurance company to protect all of your assets.

#2: If you cause an auto accident, your insurance company will pay for your defense.

#3: If you cause an auto accident, call your Agent first ( assuming you have one ) to help you with the claim process.

As a parent, it’s scary when your kids start driving. You’re worried about their safety. You pray they behave responsibly.

Or, get a quote from our agency and let us shop our “teen friendly” insurance companies to find better rates.

New iPhone app for Allstate Customers

2010-04-28T10:07:00.004-08:00

Allstate® Mobile

Allstate® Mobile gives you access to your Allstate® policy, claim information and accident support on the go. While you are out and about, you can find an agent near you, view your insurance information, and start a claim. We hope you're never in an accident, but if you are, the accident checklist feature can help you navigate the moments after an accident. Step-by-step, it takes you through many of the important things you should do after a collision. And, using the Accident Support feature, you can capture accident information at the scene and email it to yourself, which may come in handy if you need to file a claim.

Wherever you are, you're in good hands with Allstate®

More:http://www.allstate.com/landingpages/Allstate_Mobile.html

If you are having any problems downloading or using this app, please contact us at: 1-866-209-2190.

Flood Insurance FAQ's

2010-04-23T11:35:00.006-08:00

Let's say the river near your home overflows its banks after an excessive rainfall, causing severe damage to your home and its contents. Your homeowners insurance takes care of all related costs, yes or no?

Answer: Not at all! Why? Because damages caused by floods are specifically excluded from all homeowners policies. You need to have a separate flood insurance policy in order to be covered.

Flood insurance is a very necessary coverage for those who live in flood prone areas, and even for those in low-to-moderate risk areas. However, it is important to understand that while homeowners insurance is designed to bring your home and its contents back to the same condition it was in before a loss, flood insurance is only meant to get you back on your feet. To understand more about how this coverage operates and what it covers, please visit this site: http://www.myfloodzone.com/

Q: How do I find out if I'm located in a Flood Zone?
A: There's only one (1) way to know for sure; and that is with a Certified Flood Zone Determination. Q: If I'm not in a flood zone, is flood insurance still available?
A: Yes. It's quite affordable and should be considered. Even though you're not in a flood zone, your home could fall victim to flood as a result of severe weather conditions coupled with poor drainage in your community, your neighborhood, or even on your property. If this occurs, your normal homeowners or renters policy will not cover the loss. Only flood insurance will protect you from flood related damage. Know what Flood Zone you're in? this is what it means: http://www.myfloodzone.com/Flood-Zones-101.htm Flood Maps, Flood Zone Determination and Flood Insurance Disputes go to:http://www.myfloodzone.com/
Google Earth Flood zone look up : http://tinyurl.com/38vo63

New updated Facebook Fan page

2010-04-21T10:45:00.002-08:00

Check out out new updated Facebook fan page! (be sure to "like" it to keep up on the latest greatest at the Hood Agency www.facebook.com/HoodAgency
Two cool tabs for your use: "GET A QUOTE" and "REFER TO US"

Double, triple check

2010-04-19T09:55:00.001-08:00

It is that time of year that motorcycles are starting to come out. Please be aware of your surroundings Remember Check twice, or three times and save lives!

A will is very important! Do you have one?

2010-04-16T12:41:00.002-08:00

There are both practical and emotional reasons why you should make a will. Solicitors always cite the practical reasons: namely that if you are a co-habiting couple then if you die, your partner cannot inherit from you. This is a fact, so all non married couples need to have a will each.

If you do marry to you enter into a civil partnership, then any will that you have is rendered invalid, meaning that if you marry and then get divorced, any previous will is invalid, so your ex may inherit from you.....

Even if you are married if you have children then it is important to have a will so that you can decide what happens if you both die. If there is no will and you and your spouse both die, then the courts will decide who has the children. Given that this is such an important issue, shouldn't you have a will, just to ensure that they are safe and well looked after?

Start a will today and once complete, deposit your will with the superior court clerk's office for $40, this will make finding your wishes easy!

A site with Alaska laws and additional information: http://www.akparalegal.com/wills.htm

Why should I use a Realtor?

2010-04-14T11:06:00.002-08:00

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®. Here are a Dozen reason:

Will determine your buying power
They have many resources to assist you in your home search.
Assistance in the selection process by providing objective information about each property.
They will help you negotiate.
They will provide due diligence during the evaluation of the property.
Will help you in understanding different financing options and in identifying qualified lenders.
They will guide you through the closing process and make sure everything flows together smoothly.
Provide up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties.
Will market your property to other real estate agents and the public.
They know when, where and how to advertise your property.
Help you objectively evaluate every buyer's proposal without compromising your marketing position.
Can help close the sale of your home.

More information go to: http://www.realtor.com/basics/allabout/realtors/why.asp?source=hp

Buying or building a home this year FAQ's on low appraisals

2010-04-06T10:00:00.003-08:00

Ordering an appraisal is an important step in the home buying or building process, because the appraiser's report offers a close estimate of a property's true value.

The phone rings. It's your lender. Your home appraisal just came in $5,000 below sales price.

What was shaping up to be a smooth home purchase just got rocky. With uncertainty surrounding property values across the USA, a low property appraisal has become more common. So what do you do when such a situation arises that could kill the deal?

First, stay calm. Get in touch with your real estate agent and run through the options. If you made it this far, everyone involved is probably operating in good faith. All parties would like to see the transaction close. Given those assumptions, your options include:

Dispute the Appraisal
Talk with your Lender
Buyer Pays More Down
Seller and Buyer Negotiate
Seller Reduces Price

1. Dispute the Appraisal

Talk with your REALTOR®. Is the contract sales price a fair assessment of the property value based on a well-prepared comparable market analysis (CMA)? Disputing the appraisal may sound out of the norm, but to dispute a property appraisal could be reasonable depending on a few key factors:

Where is the appraiser based? Did they perform an appraisal in a housing market that they may not know well?
Did the appraiser have adequate information about the subject property? (Perhaps the hardwood floors and the granite counter tops were items of value that the appraiser overlooked.)
What were the comparable properties that were used in the appraisal? Were the comparable properties fair? Oftentimes, agents involved in the transaction have actual knowledge of the comparable properties, and can assist the appraiser.

After providing an appraiser with a handful of further pertinent comparables, the appraisal can sometimes be adjusted to come in at the contract sales price.

More information: http://www.djtrealestate.com/dealingwithalowappraisal.htm

Renters insurance, why it's so popular.

2010-04-02T13:44:00.003-08:00

If renter's insurance doesn't seem like a big deal to you, look at it this way: if you're a renter and something happens to your residence, you might lose everything, and no one is responsible. Not your property manager or landlord. No one. Even in the event of a fire or a flood, your landlord is not legally responsible to cover the damages or find a place to move until the repairs are made.

You may not think your belongings are worth much and they may not be. But the way to look at it is to think about how much it would cost to replace them. For example, what would it cost to buy a new wardrobe if your clothes smelled like smoke from a fire? What about your TV, computer, other electronics, the quesadilla maker, the blender, cookware—what if they’re all damaged and need to be replaced?

Other’s perspectives:

http://www.usarak.army.mil/alaskapost/Archives2007/070810/Aug10Story4.asp

http://www.af.mil/news/story.asp?id=123145898

http://www.usarak.army.mil/alaskapost/Archives2008/081107/Nov07Story12.asp

http://images.google.com/imgres?imgurl=http://www.usarak.army.mil/alaskapost/Archives2008/080620/images/Jun20Story2mb.jpg&imgrefurl=http://www.usarak.army.mil/alaskapost/Archives2008/080620/Jun20Story2.asp&usg=__0BPQj_ByHDGHdzKQo2BmVgS5hu4=&h=834&w=1000&sz=222&hl=en&start=1&um=1&itbs=1&tbnid=i96hNptAshQCvM:&tbnh=124&tbnw=149&prev=/images%3Fq%3Drenters%2Binsurance%2Bstory%2Balaska%26um%3D1%26hl%3Den%26sa%3DN%26tbs%3Disch:1

There are 17 types of peril that your renter’s insurance will help protect you against. They include fire/lightning, wind/hail storms, riots, aircraft, smoke, vehicles, vandalism, theft, damage from glass, volcanoes, falling objects, crushing weight of snow/sleet/ice, water damage, and electrical surges. Yes, you are protected in the even the volcano behind your apartment blows up. Additional living expense is also included this will cover a hotel room or other type of rental property for the time while your home is unusable.

Successful Roundtable Event

2010-04-02T10:00:00.002-08:00

Thank you to all that attended the round table event last night. We had a great attendance and the information that was discussed was very valuable. We plan to have more this year, if you want to be on the list please email a017359@allstate.com with your suggestions on subjects and your desire to attend. Testimonial from last night's event:

Katherine,

I really appreciate these round table LIFE important meetings. The information was an eye opener and will save us a lot of grief and give us the ability to save our estate from unnecessary losses to the Government.

I would recommend these meetings to anyone who cares enough to protect their families with insurance. They will understand what could happen if they failed to protect the proceeds of a policy and what ever possessions they accumulate over a lifetime.

Jerry and Kim Wicklund

Thanks again

Round Table event in Fairbanks 04/01 @630pm

2010-03-25T09:20:00.004-08:00

We have had a few round table events recently, and found them to be laid back and a comfortable forum to discuss and share different topics. Next week Thursday April 1st, 6:30pm @ Lin's Asian Bistro 1900 Airport Way (FBKS) is our next event. This round table we will have two guests with the know how to maximize State Employee's retirement specifically PERS, TERS, SBS, and Deferred Comp catch up. Also what is required in Alaska for wills and estate planning. Please email an RSVP to a017359@allstate.com or call the office, seating is limited.

Renters insurance is worth it!

2010-03-23T10:38:00.002-08:00

Renter's insurance is one of the cheapest policies, and covers so much! If you own two or more cars, your auto insurance would go down as much as a basic renters would cost! Two policies for one. Here's an article that explains more about what renters is:
... woman was shocked when she discovered the landlord's insurance didn't cover her personal property. And the .. tenant who placed the boxes in the hallway was slapped with a major liability lawsuit.

There's no question but that landlords are responsible for losses arising out of owners' negligence. Renters, however, are responsible for the financial burden of losses created by their own negligence.

"All too often, renters don't understand that they're responsible if they start a grease fire in a kitchen," said Jim Potter, regional sales director at American Banker's Insurance Group in Santa Ana. "They're responsible not only for their unit, but for the unit next door and any others that are damaged."

Many renters don't know that renter's insurance exist. Others simply just never get around to buying the insurance or opt to take their chances that mishaps will swerve around them.
More go to : http://tinyurl.com/yjk9m6e

Traveling through Canada

2010-03-21T10:51:00.002-08:00

Reminder if you're planning a trip through Canada, check on the current laws and regulations for border customs. Also we have a unlimited towing, and trip interruption plan for only 74 dollars for a full year, good in the US and Canada.

ALL PERSONS traveling by land and sea outside of the United States are required to present a passport book/card, or other valid travel documents to enter or re-enter the United States.

ALL PERSONS traveling by air outside of the United States are required to present a passport book or other valid travel document to enter or re-enter the United States.

More Information: http://travel.state.gov/travel/cbpmc/cbpmc_2223.html

Fun site: http://uscw.canada.travel/EN/US/EqTypesLandingPage

HomeSense, Golden Valley Program

2010-03-20T09:50:00.004-08:00

Home$ense is Golden Valley Electric Association's electrical energy efficiency program. It is offered to all residential members.

A trained energy efficiency specialist will travel to your home and explain ways you can reduce electrical usage without sacrificing comfort and will install energy efficient products at no additional cost.
During a Home$ense audit, participants receive:
-Education materials and best practices in energy efficiency and use
-Up to 12 compact fluorescent lamps installed to replace incandescent bulbs. CFL installations are limited to fixtures currently in use.
-A refrigerator thermometer and coil cleaning brush
-An adjustable weather-proof vehicle plug-in timer, if applicable

In addition, if the house has a 220-volt hard-wired electric water heater, participants may also receive:
-An electric water heater insulating blanket
-Up to 10 lineal feet of pipe wrap
-Two faucet aerators
-One low-flow shower head

More information: http://www.gvea.com/energyprograms/energysense/homesense.php

Federal Tax Credits for Consumer Energy Efficiency

2010-03-17T14:42:00.003-08:00

Are you building or renovation your home this year? Remember to contact the office with any renovations, there are a lot of discounts for your home insurance. If you building a home this year we offer very competitive Builders Risk Insurance. Below is some information on Federal Tax Credits that may also help..
If you purchase an energy-efficient product or renewable energy system for your home, you may be eligible for a federal tax credit. Below you will find an overview of the federal tax credits for energy efficiency.

Please note, not all ENERGY STAR qualified products qualify for a tax credit. ENERGY STAR distinguishes energy efficient products which, although they may cost more to purchase than standard models, will pay you back in lower energy bills within a reasonable amount of time, without a tax credit.

More information http://www.energystar.gov/index.cfm?c=tax_credits.tx_index

Alaska Law on Wills

2010-03-15T14:11:00.003-08:00

Who may make a will. Any person 18 or more years of age who is of sound mind may make a will. Alaska Code Section 13.12.501.

Execution and signature of will; witnesses. Every will shall be in writing signed by the testator or in the testator's name by some other person in the testator's presence and by his direction, and shall be signed by at least two persons each of whom witnessed either the signing or the testator's acknowledgment of the signature or of the will. Alaska Code Section 13.12.502.

(1) in writing;

(2) signed by the testator or in the testator's name by another individual in the testator's conscious presence and by the testator's direction; and
(3) signed by at least two individuals, each of whom signs within a reasonable time after the witness witnesses either the signing of the will as described in (2) of this subsection or the testator's acknowledgment of that signature or the will.: More information: http://www.touchngo.com/lglcntr/akstats/Statutes/Title13/Chapter12.htm

Definition's:
A holographic will is a will and testament that has been entirely handwritten and signed by the testator.
A testator is a person who has written and executed a last will and testament that is in effect at the time of his/her death.^[1] It is any "person who makes a will."

Daylight Savings Time

2010-03-13T22:36:00.003-09:00

Daylight Savings time is a great time to replace your smoke alarm batteries.

You can prevent tragedies simply by testing and maintaining your smoke alarms and practicing a fire escape plan. All smoke alarms in your house should be tested once a month, and their batteries replaced annually. Every family should develop a fire escape plan and practice it at least twice a year. The U.S. Consumer Product Safety Commission (CPSC) recommends these measures because working smoke alarms and a fire escape plan will increase your protection in case of a fire. http://www.cpsc.gov/CPSCPUB/PUBS/5077.html

Tell us how we are doing

2010-03-08T15:55:00.002-09:00

http://www.hoodagencycheckup.viprespond.com/

Commonly asked Claim Question- and answer

2010-03-02T09:40:00.002-09:00

Q: While visiting the grocery store, a rogue shopping cart scratched my customer's vehicle. Does his/her policy cover the damage?

A: Yes, shopping carts driven by wind, slope of ground, pushed by another, or someone loses their grip, are covered and considered a comprehensive loss. Most shopping cart losses will be considered comprehensive losses, unless the investigation determines it was clearly a collision loss.

Tonight at dinner talk about a fire escape plan

2010-03-01T10:42:00.002-09:00

"Children's ability to escape a fire hinges on two things - an alarm that will dependably awaken them, and a reliable, easy-to-follow, well-practiced escape route," says Steve Forman, co-founder of REDDCO Inc., a company that specializes in fire escape and safety products. "According to the U.S. Fire Administration, children as young as 3 years old can follow a fire escape plan if they have practiced it often."

Tonight at dinner create a fire escape plan. Your plan should include two exits from every room in the house, especially bedrooms. Familiarize children with the location and sound of all smoke alarms. Practice your escape plan with your child. Repeat the lesson throughout the year. Familiarize your children with the sound the fire alarm makes and to have a plan for after the exit. Where to meet, what neighbors to go to, the next steps are crucial.

More info: http://www.doityourself.com/stry/ara_talkingsmokealar

Great Video!

2010-02-18T09:40:00.003-09:00

This video hits home, keep the Kleenex nearby! http://bit.ly/c7ThYO