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Muslow Insurance Inc
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Keep employees safe from household hazards while on the job: http://ow.ly/TlLR30906nn

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Should I Buy a 12 Month or 6 Month Auto Insurance Policy?

We have been asked many times if there are substantial benefits to purchasing a 12 month auto insurance policy at once vs a 6 month policy. There can be certain advantages for each policy in either 6 month or 12 month increments as car insurance rates can change depending on several different factors, including time, so let’s get to the bottom of this right here!

Advantages to purchasing a 12-month, paid-in-full policy:

Your insurance rate will be “locked in” and cannot change (in 2013, car insurance rates increased nationwide by $153*)

One single bill for the entire year

You will not forget to pay mid-way through the year

If you receive an infraction mid-way through the 12 month period, your rate won’t change during that time period. It may if you were paying every 6 months

By paying all at once, you will likely avoid “processing fees” that your insurer must pay when charging your credit card 1x/month (that’s 12 separate transactions they have to run every year vs. just one).

Advantages to purchasing a 6-month, paid-in-full policy:

If you had an infraction that is due to be taken off your record within a year, your second 6-month premium may be less than the first 6-month premium

Provides an opportunity to evaluate your car insurance needs. Perhaps you can find a lower rate from another provider during those first 6 months

If you don’t have all of the money for a full year’s premium, splitting it up into a payment every 6 months is, well… better!

Again, if you pay only twice a year, you will likely avoid “processing fees” that your insurer must pay when charging your credit card 1x/month
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Louisiana homeowners look to the Muslow Insurance for proper coverage in the event of damage or liability. We are extremely honored that so many residents trust us with one of their most valuable assets.

Within a Homeowners Insurance policy, there are many coverages that can be included with your insurance policy.

Personal Liability

We’ll help you determine the preferred amount of Personal Liability coverage to include in your policy. This amount may vary according to the value of any assets you may own.

Replacement Value of Your Home

We can add extended Replacement Cost coverage to your policy to ensure that your home is rebuilt to the same standards used in the original construction. The quality of materials will be the same, and your house will look as close as possible to what it was before the loss.

Amount of Personal Property Coverage

We can add replacement value coverage that ensures full replacement of your personal property — with no deduction for depreciation that may have occurred. We recommend that your personal property coverage include all-risk coverage. We also suggest that you insure expensive possessions such as jewelry, collectibles, or art separately.

Special Coverages

Many homeowners have high-risk assets such as fences, pools, sheds, etc. that are covered only minimally by a standard Homeowners policy. We’ll help you make sure the policy covers you adequately.
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Who is Liable When a Tree Falls on a Neighbor’s Property?

Many people have one or more types of trees on their property. Trees provide shade and complement landscaping nicely, but they can also cause major disputes when they fall over. A tree may fall over if it is not properly maintained and diseased, or it may fall over during a storm. When a tree falls over onto a neighbor’s property, a homeowner is often left to wonder if he or she is liable. Most people assume that they are liable since it is their tree. However, this is not always true.

When a tree falls over onto a neighbor’s property, that neighbor should submit a claim to his or her insurance company immediately. The insurance company is usually responsible for taking care of the damages. This is true if the tree fell over due to an act of nature. For example, a healthy tree that falls over during a tornado, hurricane, wind storm or winter storm would not be the responsibility of the homeowner. Since the homeowner living on the property where the fallen tree was rooted did not intentionally push the tree over, nature is responsible. This means that the neighbor’s insurance policy should cover it under perils.

However, there are some cases where a homeowner could be held liable. If the tree fell on the neighbor’s home when the homeowner was trying to cut down the tree without professional help, the damage would be the homeowner’s responsibility. Also, if the tree was dying, unstable or diseased and the homeowner knew about it, he or she could be liable if it falls over on its own. He or she could also be liable if it falls over during a very light storm that would not normally knock over a tree. When homeowners know they have dying, diseased or unstable trees, it is their responsibility to take steps to prevent them from causing severe damage.

In the event a homeowner is liable for the damages, his or her personal insurance company will have to pay the damages. The insurer will have to also investigate the claim and defend the homeowner if he or she is sued by the neighbor whose property the tree fell on. If the homeowner being sued loses, his or her insurer will pay up to the policy limit for damages. For any further damages beyond that, the homeowner is financially responsible. Neighbors can also submit liability claims against homeowner policies.

Most cases involve trees falling over due to storms or acts of nature, so many homeowners whose trees fall over do not have to worry about their insurers footing the bill. Also, they do not have to worry about premium increases if they are not found liable for the damages. In some cases, neighbors may still try to sue to recover their deductibles. The best way to avoid this scenario is to prevent it in the first place. Homeowners should check their trees regularly and have them inspected at the first sign of disease or any health issues.

A professional arborist can analyze the tree to see if it needs any special treatments, pruning or complete removal. This may seem like an unnecessary expense, but it is much less expensive than the potential cost of paying for a neighbor’s home being destroyed and the legal costs that ensue. For those who plan to stay in their homes for any length of time, it is best to try to keep peace with neighbors, so this is also a good way to prevent quarrels or ongoing problems.
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Get An Auto Insurance Quote From MetLife Auto & Home

Muslow Insurance saves clients an average of $509 by switching to MetLife Auto & Home. Call or visit us at www.muslowinsurance.com to see how much you can save!
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Fire in the grill, under hot dogs and burgers, is a welcome sight at the family cookout. But fire anywhere else can make your summer kick-off barbecue memorable for all the wrong reasons.

Download the NFPA safety tips on grilling here:

http://www.nfpa.org/~/media/Files/Safety%20information/Safety%20tip%20sheets/grilling_safety_tips.pdf
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