Posts Tagged ‘Al Bourdeau Insurance Agency’

Renter’s Insurance – A Very Small Price For A HUGE Safety Net!

August 13, 2010 2 comments

When you are renting an apartment, it is important to understand that your landlord’s insurance does not provide coverage for you. If your personal property is stolen, destroyed in a fire, or damaged by other unexpected situations, it would not be covered or replaced by your landlord’s insurance company. You would need your own renter’s insurance policy to provide you with coverage.

Renter’s insurance provides many coverages designed to protect you. First, renter’s insurance provides you with property coverage. Property coverage protects you from damage or loss to your things. For example, if your property is stolen or destroyed, your insurance company would replace or repair these items for you.

Renter’s insurance provides liability coverage. If someone were to injury themselves while on your propertyor if your dog were to bite somebody, your renter’s insurance would provide legal defense if you were put in a position that required it. It also provides for small medical payments for such injuries to others – a “good-will” gesture to avoid a lawsuit.

If you accidentally caused damage to property of others like negligently leaving a curling iron on and causing a fire that spreads through the complex, or allowing your bathtub to overflow and causing water damage to the apartment below and its contents (this would also potentially be covered by the liability protection on your renter’s insurance).

Renter’s insurance protects you against the liabilities regarding damage to the building and the personal property of others.

If something happened to your apartment, smoke damage for example, and the condition of your apartment was considered uninhabitable and you had to relocate for a period of time, this would be considered ‘loss of use’. These costs are also covered by your renter’s insurance.

The average Renter’s Insurance ranges from about $15 to $30 a month. The cost is based on size and location of the apartment and also the policy holder’s possessions.

With all the protection that renter’s insurance offers, your money would be well spent! Make sure you’re protected!

**At Al Bourdeau Insurance Agency, we suggest that you make a list of possessions including purchase prices, model numbers and serial numbers. If you still possess receipts for the scheduled items, then keep those as well. Also, if possible, take pictures or video footage of the items. You want to be able to prove that you possess the items you’re insuring!


Heart Attacks – Attacking Your Wallet!

August 9, 2010 Leave a comment

Your left shoulder aches, your chest tightens, you experience shortness of breath and in no time, you are being rushed through the emergency doors for a stay in the hospital all because of a heart attack. Unfortunately the worst is still to come.

The National Business Group on Health found that the average cost of a major heart attack is roughly $1 million and what would be considered a less severe heart attack is priced at around $760,000! These costs are calculated based on the care that is required during and after a heart attack including hospital stays, exams, surgeries, prescriptions, doctor appointments, work leave, and more.

Of course, health insurance will cover most of the expenses, but even a fraction of $1 million will make a dent in your bank account!

Heart attacks are the leading cause of death in both men and women in the United States but yet people still survive. That is why it is imperative that you have health insurance so that in the event that you had a heart attack and survived, you wouldn’t continue to suffer and struggle with the resulting medical bills!

Health insurance is essential but you should still eat healthy, exercise regularly, and use a little more sunscreen!

We’d the love the chance to assist you further! If you have any questions or comments feel free to post them below or call Al Bourdeau Insurance Agency directly!


Almost $1500 in savings for BETTER COVERAGE!! Read some of the details below from one of our excellent agents.

August 5, 2010 Leave a comment

Almost $1500 in savings for BETTER COVERAGE!! Read some of the details below from one of our excellent agents.

“The client listed his coverage line by line from his Alls**** policy over the phone .  I discovered his Insurance Score was spotless and thought to myself, ‘this is going to be amazing’.  His home was underinsured based on MSB estimates so I raised his limit on his home. Liability limits for home were increased from $300K to $500K,  and also increased his auto policy liability 100/300 to 250/500.  I advised that he increase his deductible for comprehensive to $100 instead of his current $50, and offered Broad collision coverage instead of Regular collision which was on his current policy.  He is currently paying $1500 on the home with Alls**** – our price $517 including all these increased coverages.  He is currently paying roughly $900 every 6 months on his auto with Alls**** –  our price $1430 for 12 months and with far better coverages.  Client has been with Alls**** for over 5 years and needless to say he was ecstatic!”

Give Al Bourdeau Insurance Agency the chance to save you bundles of money!! Call today for your FREE, no obligation quotes!