Questions to ask before choosing your health insurance?

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It’s the same every year, and you need to decide on your healthcare coverage for the coming year. You may have had a bad experience in the past year with the coverage you chose. Trying to make the right decision this year is so stressful. Having an independent insurance agent who you know is on your side can make your decision-making process easier. At AS Insurance Agency in Manchester, NH, you can count on us to be there for you to help make this important decision.

What will the monthly premium be?

Cost is not the only thing to consider when choosing a health insurance policy, but affordability has to be considered. You could find the perfect policy, but if it is more expensive than you can afford, it won’t do you any good. 

Can I keep my doctor?

Doctors and patients often have a relationship. Having a doctor who knows you and who you trust is vital for your good health. Not every doctor is in every network, and some policies only cover visits to doctors in their network. 

What is the plan deductible?

Before your insurance begins to cover services, most have a deductible. This can be anywhere from $100 to many thousands. Until this deductible is met, you are responsible for paying for medical services. 

What are the co-pays?

Almost every service you get from a medical provider has a co-pay. The co-pay is the amount you must pay for a specific service. It goes into effect after you have met your deductible. 

What is the maximum yearly out-of-pocket yearly limit?

The government has mandated that the maximum can be $8200 per individual and $16,400 per family. Many policies have lower limits than the mandated amount. 

Contact AS Insurance Agency in Manchester, NH with your health insurance questions and any insurance needs.  

 

3 Reasons to Buy Whole Life Insurance

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In Manchester, NH, the agents of AS Insurance Agency encourages individuals to look into the benefits of a whole life policy, especially if they have a family to take care of. With a whole life policy, a policy can be purchased that will provide for every aspect of your family’s needs.

Pay Off Existing Debt

Whole life policies will provide enough money to pay off mortgages, car loans, and other financial obligations so that your family isn’t strapped with the extra debt that they may not be able to pay for others. When purchasing a policy, it’s important to know how much debt you have to ensure you are properly covered.

Covers Final Expenses

The main purpose of most life insurance policies is to cover an individual’s final expenses. This includes funeral, burial, and any other costs associated with their final services. Attorney fees and other expenses are also included. Paying for your final expenses is something your family shouldn’t have to worry about.

Provides Financial Security

Another primary benefit of whole life insurance is that it provides enough coverage to ensure that your family lives comfortably until they can get back on their feet. Without your income, their lifestyle would dramatically change. A whole lie policy ensures they will have what they need during a challenging time.

The agents of AS Insurance Agency have the answers Manchester, NH residents need when it comes to finding the perfect whole life policies. Choosing the right policy ensures that your family will have everything they need if the unthinkable should ever happen. Call and schedule an appointment as soon as you can to get the answers you need.

How to Get Auto Insurance

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Getting car insurance is a fairly easy process to start with. First, you’ll need your driver’s license. Once you have that, then that’s where it might start to get complicated. You’ll need to research different auto insurance coverage that would be best for you. You can do it over the phone, online, or with an independent insurance agent.

Phone and Online Quotes

You’ve seen plenty of advertisements that offer over-the-phone or online quotes. Sometimes it’s a combination of the two. Just type your information into a company’s website. You’ll give your name, address, phone, email, and the make and model of your vehicle. Some may ask for your driver’s license number. Once the company has compiled your info, you’ll either receive a phone call or an email with a quote. It’s fast and convenient, but the downside to this method is that you only receive one quote at a time. If you’d like to get multiple quotes at once, you might want to try independent insurance agents.

Independent Insurance Agents

With an independent insurance agent, like AS Insurance Agency in Manchester, NH, you’ll have options. Independent agents don’t work for one insurance company. They have the ability to give you the best options for what you’re looking for. If you’re new to the process, you’ll want several quotes from different sources. Independent agents can guide you through the process and provide you with an insurance package that is tailormade to fit your needs.

The independent agents in Manchester, NH at AS Insurance Agency can offer you various auto insurance coverage options. They can also provide you with more than just auto insurance information. For example, if you also bought a home or started a business, they’ll be able to offer options for home and commercial insurance.

Understanding the Commercial Insurance Needs of Your Small Business

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As a small business owner, it’s up to you to decide what kind of business insurance you need. The right insurance coverage from AS Insurance Agency can help keep your Manchester, NH business running, even through difficult times. Here are a few tips for getting the coverage that your small business needs.

Assess Your Risks

Every company faces risks of some kind or another. Before purchasing commercial coverage, you need to assess those risks to ensure you’re protected against them. Is your business prone to theft or at risk of disaster damage due to its location? Do you own valuable equipment critical to business operations? Do you have employees that need protection from accidents on the job? The answers to these questions and others can help determine what kind of coverage you need to protect your business from loss.

BOP Policies   

Commercial policies in Manchester, NH offer numerous coverage options to suit your company’s needs. For many small businesses in New Hampshire, a basic business owner’s policy (BOP) offering property, general liability, and business interruption coverage will suffice.  

  • Property insurance protects your building, equipment, and products against theft and damage.  
  • General liability insurance protects you against accidents customers may have on your business site by paying for their medical costs. If you’re sued for damages, liability insurance protects your business assets by covering legal costs.
  • Business interruption compensates you for lost revenue, payroll, and other expenses if your company is forced to close due to disaster damage. This coverage can help keep your business afloat until you can reopen your doors.    

Additional Coverage

If your business needs more protection, you can always add extra coverage to your BOP policy to obtain the protection you need. This includes commercial auto, worker’s comp, and more.  

To learn more about commercial insurance options and costs, contact AS Insurance Agency.

5 Facts Every Homeowner Should Know about Home Insurance

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There’s no better way to protect your Manchester, NH home than with home insurance. If your home is damaged in a storm or any of your valuables stolen, home insurance can help compensate you for your loss. Home insurance from AS Insurance Agency will also protect you against a lawsuit if someone has an accident on your property. Here are some important facts you should know about home coverage.

  • Home dwelling insurance covers damage to your home structure. Most policies protect you against common perils like wind and rainstorms, hurricanes, tornadoes, fire, and other disasters. Ideally, you should obtain enough dwelling protection to rebuild your home if it’s demolished in a disaster.
  • Home property insurance safeguards your belongings. This includes furniture, appliances, electronics, clothing, and other personal items. Standard policies have limits on the coverage they provide. If you own high-end goods, talk to your AS Insurance agent about extra insurance protection to cover the value of these items.   
  • Property insurance gives you a choice of actual cash value (ACV) coverage or replacement cost coverage. ACV coverage compensates you for the cost of stolen or damaged goods after subtracting a percentage for depreciation. Replacement cost coverage helps replace your goods at current market costs.  
  • Home liability insurance pays for the medical expenses of people who have accidents on your property. This may range from cuts and bruises to broken bones to concussions from falling down the stairs. If a significant accident leads to a lawsuit, liability insurance helps cover your legal costs.
  • Home insurance covers theft, vandalism, and many types of disasters. It doesn’t, however, cover flood damage. To protect your Manchester, NH home and goods from flooding, you’ll need to purchase a separate flood insurance policy.

For more information about home coverage and costs, contact AS Insurance Agency today.