ISea Otter 841, From The Lens Of Photographer Who Made Her Famous - Shield Insurance Agency Blog

Sea Otter 841, From The Lens Of Photographer Who Made Her Famous

The Patch | by Beth Dalbey | Sea Otter | Shield Insurance Blog

Mark Woodward’s respect for the surfing sea otter grew along with a collection of pictures people have been swooning over around the world.

Sea Otter 841 wrested this board from a surfer and took a bite out of it. Wildlife officials had tried for months to capture 841, but she “outsmarted them every time,” according to Mark Woodward, who has documented the surfboard-stealing otter’s life.

Sea Otter 841 bites down on a surfboard off the coast of Santa Cruz, known for its world-class waves. Amateur photographer Mark Woodward said he photographed 841 on a board 10 times, and said she took a bite of the board on at least five occasions. 

Otter 841 gives chase to a couple of people paddling to Santa Cruz’s world-class surfing waves.

Otter 841 and her pup have company as they float off the coast of Santa Cruz. Sea otters need to conserve their energy, which is why it’s common to see them floating on their backs on the surface of the water.

World-famous Sea Otter

SANTA CRUZ, CA — Before his photos made Otter 841 world-famous for her harassment of surfers — or, rather, theirs of 841, because the people whose boards have had huge bites taken from them are not exactly innocent — Mark Woodward was just a semi-retired guy who liked poking around Santa Cruz with his camera and taking pretty pictures.

The 62-year-old amateur photographer snaps photos of lots of things besides sea otters. He is a citizen journalist whose photos of floods, mudslides and other disastrous spring weather events were a vital link to people cut off from the communication. He plans to do more of that as a community service. It’s one way he can help. A lifelong resident, he loves Santa Cruz.

Woodward was at Cowells Beach on June 18 to photograph Black Surf Club Santa Cruz’s Juneteenth paddle out when he saw the now infamous sea otter taking a ride. He moved his camera, focused it and snapped a series of pictures that would ignite a fierce debate about whose ocean it is, anyway?

Woodward figured it was “a fluke,” a funny one, but still a one-off. But 10 days later, 841 hopped on another board and took a little sail. Woodward posted his photos under his social media handle, Native Santa Cruz, and “that was the start of the madness,” he told Patch in a phone interview Thursday.

The madness included more requests for his photos from more places around the world than Woodward could have imagined and a collaboration with four University of California, Santa Barbara students doing a documentary on human and animal interaction in the coastal area. And the madness certainly includes what Woodward calls a bungled response to the otter’s aggression by wildlife officials, at least from a public relations standpoint.

“Two days later, the Monterey Bay Aquarium reached out,” Woodward said. “We talked for an hour, and I learned a lot about 841. She does have a history.”

Click here for the full story and some great photos of the Sea Otter!


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Stay Ahead of the Game Adding Additional Insured for Extra Security - Shield Insurance Blog

Stay Ahead of the Game: Adding Additional Insured for Extra Security

Shield Insurance Agency Blog | Additional Insured | Contact Us to learn more! | Start A Quote Today!

Insurance policies can be complex, and understanding the various terms and coverage options can be overwhelming. One such term is “additional insured.” In this blog post, we will delve into the concept of additional insured, its importance, and when it should be added to your policy. We will also explore additional coverage, policyholder obligations, and the role of Shield Insurance Agency in providing comprehensive insurance protection. By the end of this article, you will have a clear understanding and how it can benefit you.

Understanding Additional Insured Coverage and its Importance in Insurance Policies

Insurance policies typically provide coverage for the policyholder, but there are situations where additional coverage is necessary. Additional coverage extends the policy’s protection to other parties who may be involved in a claim or lawsuit related to the policyholder’s activities. This additional coverage is known as an “additional insured endorsement.”

Adding an additional insured to your policy is crucial in situations where you collaborate with other businesses, subcontractors, or vendors. By adding them as additional insured, you are ensuring that they are protected under your policy in case of any liability claims arising from their work on your behalf.

The Role of Additional Insured Endorsement and its Requirements

To add an additional insured to your policy, you need to request an endorsement from your insurance provider. This endorsement modifies your policy to include the additional insured and extends coverage to them.

The requirements for adding an additional insured may vary depending on your insurance company and policy type. Generally, you will need to provide the additional insured’s name, contact information, and their relationship to your business. Additionally, you may need to specify the scope of coverage you want to extend to the additional insured.

It’s important to note that adding an additional insured does not mean they have the same rights and responsibilities as the policyholder. They are only covered under the policy for claims arising from the policyholder’s actions.

Exploring Insurance Policy Additions and Terminology

Insurance policies can be complex, with various terms and additions that may confuse policyholders. Understanding insurance terminology is crucial to ensure you have the right coverage for your needs.

In addition to additional insured, there are other policy additions you may come across, such as additional coverage options, endorsements, and riders. These additions can enhance your policy’s protection and tailor it to your specific requirements.

It’s essential to review your policy thoroughly and consult with your insurance agent to understand the different policy additions available and how they can benefit you. This will help you make informed decisions about your insurance coverage and ensure you have adequate protection.

Policyholder Obligations, Protections, and Responsibilities

As a policyholder, you have certain obligations, protections, and responsibilities. It is crucial to understand these to ensure you comply with your policy’s terms and conditions.

Your obligations as a policyholder include paying premiums on time, providing accurate information to your insurance provider, and notifying them of any changes that may affect your coverage.

On the other hand, your policy provides you with certain protections, such as coverage for specified risks and financial compensation in case of covered losses. It is essential to review your policy to understand the extent of your protection and any limitations or exclusions.

As a policyholder, you also have responsibilities, such as maintaining a safe environment, implementing risk management strategies, and promptly reporting any claims or incidents to your insurance provider.

The Importance of Risk Management and Shield Insurance Agency’s Expertise

Risk management plays a vital role in protecting your business and minimizing potential losses. Shield Insurance Agency, representing over 45 insurance companies, understands the importance of comprehensive risk management strategies.

By partnering with Shield Insurance Agency, you gain access to their expertise in identifying potential risks, recommending appropriate coverage options, and ensuring your policy meets your specific needs. Their team of experienced agents can guide you through the process of adding additional insured to your policy and provide


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22 Babies at 24 Years Old The Unbelievable Story of Kristina Osturk Shield Insurance Agency Blog

22 Babies at 24 Years Old: The Unbelievable Story of Kristina Osturk

Shield Insurance Blog | 22 Babies | By Allison Levine | March 6, 2024 | Life Insurance

Kristina Ozturk and her husband Galip are currently the proud parents of 21 children, plus one more Kristina had before they met. What’s more, all 21 of the couple’s children were born within 18 months of each other. How is that possible? Here is the unbelievable, but true, story of the Ozturk family.

Teenage Single Mom of 22 Babies

In 2014, the Moscow-born woman Kristina Ozturk was a 17-year-old single mother responsible for caring for and raising her daughter alone. It was at this moment that, in a plot twist that could have been written into a Disney movie, Kristina’s life changed forever.

The Russian teenager, who had been working as a stripper in order to support her family, took a trip away. As the mother and daughter enjoyed their first international vacation in the Georgian seaside resort of Batumi, Kristina met a 50-year-old millionaire hotel owner named Galip Ozturk and, despite the 33-year age gap, the two fell head over heels in love.

On the Same Page

It wasn’t only an attraction for each other that the teenage Kristina and millionaire Galip shared, they were also on the same page when it came to extending their family. While many couples wish to have 2, 3, or even 4 children, Kristina and Galip Ozturk, who married soon after meeting, wanted to have as many as they possibly could.

At first, Kristina and Galip planned to have one child a year. They quickly decided that wouldn’t give them as many children as they wanted, as quickly as they hoped for. That’s when they decided to begin using surrogates.

22 Babies in 17 Months

By using surrogates to grow their family, Kristina and Galip Ozturk removed all biological limitations on the number of children they could produce, and how quickly. Between March 2020 and July 2021, the couple welcomed 21 children into their lives. Added to Kristina’s existing daughter, that meant 22 kids to look after, 21 of whom were under 18 months old.

Read the full story and see the adorable photos…


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Is a high-deductible health insurance policy right for you Find out now! - Shield Insurance Blog

Is a high-deductible health insurance policy right for you? Find out now!

Shield Insurance Agency Blog | High-deductible Health Insurance | Contact Bri with questions

In today’s world, finding affordable health insurance options can be a daunting task. With the rising cost of healthcare and the complexities of the healthcare system, it’s important to carefully consider your options when choosing the right health insurance policy. One option that may be worth exploring is a high-deductible health insurance policy. In this blog post, we will discuss the benefits, drawbacks, and cost considerations of high-deductible health insurance, helping you determine if it’s the right choice for you.

Understanding High-Deductible Health Insurance

Before we dive into the pros and cons of high-deductible health insurance, let’s first understand what it is. A high-deductible health insurance policy is a type of medical insurance that requires you to pay a higher deductible before your insurance coverage kicks in. The deductible is the amount you must pay out-of-pocket for medical expenses before your insurance starts covering the costs. Typically, high-deductible health insurance policies have lower monthly premiums, making them an attractive option for those looking to save on their healthcare expenses.

Benefits of High-Deductible Health Insurance

One of the main benefits of a high-deductible health insurance policy is the potential for cost savings. With lower monthly premiums, you can save money on your insurance expenses. This can be especially beneficial for individuals or families who are generally healthy and don’t require frequent medical care. By opting for a high-deductible plan, you can allocate your savings towards other financial goals or build an emergency fund.

Another advantage of high-deductible health insurance is the flexibility it provides. With a high-deductible plan, you have the option to open a Health Savings Account (HSA). An HSA is a tax-advantaged savings account that allows you to set aside money for medical expenses. The contributions you make to an HSA are tax-deductible, and the funds can be used to pay for qualified medical expenses, even if they don’t meet your deductible. This can provide additional savings and financial security.

Drawbacks of High-Deductible Health Insurance

While high-deductible health insurance policies offer potential cost savings, they also come with some drawbacks. One of the main drawbacks is the higher out-of-pocket expenses. With a high deductible, you will be responsible for paying a larger portion of your medical expenses before your insurance coverage kicks in. This can be a significant financial burden, especially if you require frequent medical care or have a chronic condition.

Another drawback of high-deductible health insurance is the limited coverage. High-deductible plans often have higher deductibles and lower coverage limits, meaning you may have to pay more for certain medical services or medications. It’s important to carefully review the coverage details of any health insurance policy you are considering to ensure it meets your specific healthcare needs.

Cost Considerations and Comparison

When deciding if a high-deductible health insurance policy is right for you, it’s crucial to consider the overall cost. While the lower monthly premiums may seem appealing, you must evaluate your potential out-of-pocket expenses. Consider your current health status, medical history, and any ongoing medical needs. If you anticipate needing frequent medical care or have a chronic condition, a high-deductible plan may not be the most cost-effective option for you.

To determine if a high-deductible health insurance policy is the right choice, it’s essential to compare it with other available options. Consider the benefits, drawbacks, and costs of different health insurance policies. Shield Insurance Agency represents over 45 insurance companies and can help you navigate the complex world of health insurance. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.

Making an Informed Decision

Choosing the right health insurance policy is a crucial decision that can have a significant impact on your financial well-being. By carefully considering the benefits, drawbacks, and cost considerations of a high-deductible health insurance policy, you can make an informed decision that aligns with your healthcare needs and financial goals. Remember to consult with a trusted insurance agent or financial advisor to ensure you have all the information you need to make the best choice for you and your family.

In conclusion, a high-deductible health insurance policy can be a viable option for individuals or families looking to save on their healthcare expenses. However, it’s important to weigh the benefits and drawbacks, consider your specific healthcare needs, and compare different health insurance policies before making a decision. By doing so, you can find the right health insurance coverage that provides the necessary protection while also being financially sustainable.


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Insurance Demystified: Understanding Actual Cash Value in a Snap 💰

Insurance Demystified: Understanding Actual Cash Value in a Snap

Understanding Actual Cash Value Insurance and its Importance in Insurance Coverage

When it comes to insurance policies, understanding the terms and definitions is crucial to ensure you have the right coverage. One such term that often arises is “actual cash value.” But what exactly does it mean? In this blog post, we will explain the concept of actual cash value in insurance policies, its importance in determining coverage, and how Shield Insurance Agency, representing over 45 insurance companies, can assist you in finding the right policy. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Actual Cash Value Explained

Actual cash value refers to the value of an insured item at the time of a loss or damage. It takes into account the item’s original cost minus depreciation. In simpler terms, it is the amount you would receive from your insurance company to replace or repair the item, considering its age, wear and tear, and market value.

For example, let’s say you have a five-year-old laptop that gets stolen. The actual cash value of the laptop would be calculated by subtracting the depreciation from its original cost. If the laptop’s original cost was $1,000 and its depreciation is estimated at 20% per year, the actual cash value would be $600 ($1,000 – ($1,000 * 0.2 * 5)).

Cash Value in Insurance Policies

While actual cash value is commonly associated with property insurance, it can also be relevant in other types of insurance policies. For instance, life insurance policies may have a cash value component that accumulates over time. This cash value can be borrowed against or used to pay premiums.

In property insurance, the inclusion of actual cash value in the policy can affect the premium you pay. Policies that provide coverage based on actual cash value tend to have lower premiums compared to those that offer replacement cost coverage. However, it’s important to consider the potential out-of-pocket expenses you may face if you need to replace or repair an item.

Insurance Coverage Explained

Understanding the coverage provided by your insurance policy is crucial to ensure you have adequate protection. Actual cash value coverage may be suitable for items that have depreciated significantly or are easily replaceable. However, for valuable items or those with sentimental value, it may be worth considering additional coverage options, such as replacement cost coverage or scheduled personal property coverage.

Replacement cost coverage provides reimbursement for the cost of replacing an item with a similar one, without considering depreciation. Scheduled personal property coverage allows you to specifically list and insure high-value items, ensuring they are fully covered in case of loss or damage.

Shield Insurance Agency and Finding the Right Policy

Shield Insurance Agency understands the complexities of insurance policies and can help you navigate through the various coverage options available. With a network of over 45 insurance companies, Shield Insurance Agency can provide you with multiple quotes tailored to your specific needs.

Actual cash value is an important concept to understand when it comes to insurance policies. It determines the amount you would receive in case of a loss or damage, considering depreciation and market value. While actual cash value coverage may be suitable for some items, it’s essential to evaluate your specific needs and consider additional coverage options for valuable or sentimental belongings.

Shield Insurance Agency, representing over 45 insurance companies, can assist you in finding the right policy that meets your requirements. Their experienced agents can provide you with multiple quotes and guide you through the process. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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NFL fans who went to -20C game attended by Taylor Swift 'underwent amputations after suffering frostbite'

NFL fans ‘underwent amputations after suffering frostbite’

Shield Insurance Blog | March 11 2024 | NFL Fans | Start an Insurance Quote Today!

NFL fans who went to -20C game attended by Taylor Swift ‘underwent amputations after suffering frostbite’

The football fans were among dozens of people across Kansas City who had to be treated for frostbite due to an 11-day cold snap at the beginning of the year. Taylor Swift was also at the match, supporting her boyfriend – but avoided the worst of the cold.

At least “some” NFL fans who attended a near-record cold game in Kansas City suffered extreme frostbite and had to undergo amputations, doctors have revealed.

Spectators braved -20C (-4F) temperatures to watch the Kansas City Chiefs host the Miami Dolphins at Arrowhead Stadium in the AFC wildcard round back on 13 January.

The wind chill – what the temperature feels like to the human body – dipped as low as -33C (-27F).

As a result, some fans were treated for frostbite, which causes damage to the skin and tissue, particularly extremities such as fingers and toes, after exposure to freezing temperatures.

The Research Medical Centre in Kansas said it had treated dozens of people who had experienced frostbite during an 11-day cold snap at the beginning of the year.

Twelve of those people, including some who were at the football game, had to undergo amputations involving mostly fingers and toes.

The centre said it was expecting to carry out more surgeries over the next few weeks as “injuries evolve”.

Christine Hamele, associate vice president of HCA Midwest Health, which operates seven hospitals, including the Research Medical Centre and its Grossman Burn Centre, said: “To date, 12 patients have undergone amputation surgeries, some of which attended the Chiefs game.

“Our specialised physicians and expert care team continue to treat and monitor patients’ healing to address long-term needs, and we expect more surgical procedures over the next two to four weeks as their injuries evolve.”

Click here for the full story…


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Insider Knowledge for Car Rental Abroad

Insider Knowledge for Car Rental Abroad

Shield Insurance Agency Blog | Car Rental Abroad | Auto Insurance | Start A Quote

When renting a car outside of America, navigating the complexities of auto insurance can be as challenging as driving on a new side of the road. Many travelers find themselves at rental counters, deciphering insurance policies that seem designed to confuse. Here’s a guide to help you understand the cautions of renting a car abroad in relation to auto insurance.

Understand Local Insurance Requirements for Car Rental Abroad

Each country has its own rules and regulations regarding auto insurance. In some places, the rental car will come with a basic insurance package that covers third-party liability — that is, any damage or injury you might cause to other people or their property. However, this basic coverage often comes with a high deductible, and it might not include theft or damage to the rental car itself.

Check Your Existing Insurance Policies for Car Rental Abroad

Before you travel, it’s essential to check whether your current auto insurance policy covers international rentals. Many U.S. policies do not extend coverage outside of the country, but some do. Similarly, check if your credit card offers rental car insurance as a benefit and understand the terms. Credit card coverage often acts as secondary insurance, kicking in only after other policies have been exhausted.

Be Wary of Additional Insurance Sold at the Counter

Rental companies abroad often try to upsell additional insurance coverage, such as Collision Damage Waiver (CDW) and Theft Protection (TP). While these can offer peace of mind, they can also significantly increase the rental cost. It’s vital to understand what is already covered by your existing policies to avoid paying for redundant coverage.

Car Rental Abroad and the Excess Reduction Products

In many countries, rental car insurance comes with an “excess” or “deductible” — the amount you’re responsible for paying in the event of damage or theft. This excess can be quite high, often upwards of $1,000. Rental companies may offer additional products to reduce or eliminate this excess, but these can be costly. Weigh the risk of a high excess against the price of these products.

Inspect Your Rental Car Thoroughly

Before driving away, inspect the rental car thoroughly and document any existing damage. Take photos or videos as evidence. This careful inspection can prevent disputes over damages that were not caused by you when returning the car.

Familiarize Yourself with Local Driving Laws and Conditions

Understanding local driving laws and conditions is indirectly related to insurance since failure to comply can affect insurance claims. For instance, if you’re involved in an accident and it’s determined you were violating local traffic laws, your insurance claim might be denied.

Keep All Documentation

In the event of an accident or theft, having thorough documentation can make the insurance claim process smoother. Keep copies of your rental agreement, insurance policy, and any correspondence with the rental company.

Car Rental Abroad requires a good understanding of local auto insurance requirements and how they interact with your existing coverage. By doing your homework before you arrive at the rental counter, you can ensure you’re adequately covered without paying for unnecessary extras. Always remember that being informed is your best defense against the complexities of renting a car abroad.

For our specific carriers, here are the underwriting guidelines:  (feel free to make the formatting easier to read and make the content easier to read if you’d like:

AAA:

Coverage applies to the continental United States, District of Columbia and Canada. Coverage applies “within the states or while the insured auto is being transported between their ports”. Property Protection Insurance only applies in Michigan.

Coverage applies to a rental car, however, purchase of the Loss Damage Waiver is recommended to cover dimished value and loss of use.

Bristol West:

The policy territory is: 1. The United States of America, its territories or possessions; 2. Puerto Rico; or 3. Canada. This policy also applies to loss to, or accidents involving, your covered auto while being transported between their ports.

Coverage for a rental car only applies if the car is rented in the United States or Canada. Coverage for rental car only applies when the vehicle is rented from a business in the business of renting cars. We will not pay for insurance, collision damage waivers,
fuel, or any other charges, except for the actual cost
of the rental of the vehicle including applicable taxes. 

Citizens/Hanover:

Canada Yes all national land is covered –
No to Mexico or Foreign Countries on their physical Vehicle
There a Endorsements called Prestige Rental Upgrade and Prestige Global Rental
with these, you would have loss of use and diminished cause on a rental Vehicle

Fremont:

This policy applies only to accidents and losses which happen during the policy period as shown in the Declarations. They must take place within the United States of America, its territories or possessions, Canada or between their ports. No coverage in Mexico
There is an Endorsement called Rental Automobile Gap coverage
with this doesn’t cover loss of use or diminished value 

Michigan Insurance Company:

Canada Yes- Need Canadian ID cards. No to Mexico or Foreign Countries. Vehicle coverage carriers over, No Loss of Use. Purchase rental coverage from the rental company -Below from Heather 1. The coverage Territory is within the US, Canada and US Owned Territories only. Mexico is not covered as well as any other countries not a US owned Territory.

2. They can purchase LDW from a rental company when renting a vehicle, we do have a Travel Package Available that van be added to a vehicle with comp/collision.

Trip interruption Coverage of $600 for transportation expenses incurred in the event of a mechanical or electrical breakdown of an auto. Expenses incurred for lodging and meals in the event of a covered physical damage loss or mechanical or electrical breakdown of a specified auto.

Rental Car Loss of Use-Pays up to $1000 per occurrence for rental fees insured is required when a rental car is damaged while being used by the insured

Rental Car Diminished Value-when held responsible for the damage to a rented vehicle and not a total loss and the rental company opts to sell the rental in damaged condition or repair but has a perceived reduction in its value.

3. If out of the country that is not within a covered territory they will want to purchase coverage.

Nationwide:

Canada-Yes need a Canadian Insurance, which can be provided by a service agent. Mexico up to 25 miles from US border, but not underinsured or unisured. Must purchase Mexico Insurance. No other countries except Puerto Rico. Below is detailed info emailed from NW. For the Canadian proof of insurance, the insured can contact Personal Lines Service Solutions: 1-877-669-6877. Service can then email, fax or mail the POI to the insured.

Standard motor vehicle insurance cards are not accepted as proof of insurance by Canadian authorities.

-The proof of insurance does not provide additional coverage above the Nationwide policy.

-According to the Canadian Insurance Regulatory Commission (CIRC), Canadian POI is not required to get into Canada. It is only required in certain provinces and only if the insured is stopped or in an accident.

-We do not provide Canadian POI cards on trailers.

It the insured is going to rent a vehicle to go to Canada, they should request a Canadian POI for one of the vehicles currently on the policy. The member will need to keep the rental agreement, their POI and Canadian POI together.  

Progressive:

Canada and US Territories – coverage carries over. Mexico- Need to purchase coverage with 3rd party carrier, Mexpro. International is not covered. Suggests always getting insurance offered by the rental company, you are basically uninsured without it. LDW, Collision and Property damage should all be purchased. Suggested going to US Embassy or information area near rental company for clear ideas of what is covered under these policies. 

Safeco:

US and its territories and Canada- Broadest coverage carries over. Mexico and international not covered. Suggests getting LDW (loss damage waiver) and what ever is offered by rental company. **Person renting car should be aware of a weight limit on non-owned vehicles: Gross Vehicle
Weight Rating of 12,000 pounds or less or any cargo van or moving van with a Gross Vehicle
Weight Rating of 18,000 pounds or less. Anything larger risks a claim being denied.

Wolverine:

Canada, Mexico, any other foreign country – No coverage, Good idea to purchase LDW if the client wants to walk away from any financial responsibility. Everything major is covered with exception to loss of use and potentially diminished value not being covered. When renting a vehicle in a different country, go with whatever coverages the rental car company offers because you will not be covered under Wolverine. 


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Insurance Made Easy: 🚗 🏠 How Bundling Home and Auto Policies Can Simplify Your Life!

Insurance Made Easy: How Bundling Home and Auto Policies Can Simplify Your Life!

Shield Insurance Blog | Bundling | Contact Us | Start A Quote Today!

Are you tired of juggling multiple insurance policies and dealing with different insurance carriers? Do you wish there was an easier way to manage your insurance needs? Look no further! In this blog post, we will discuss the benefits of combining your home and auto insurance policies and how it can simplify your life. Read on to find out how you can save time, money, and stress by bundling your insurance coverage.

The Basics of Auto Insurance

Let’s start with the basics. Auto insurance is a type of coverage that protects you financially in case of an accident or damage to your vehicle. It is a legal requirement in most states and provides financial protection for both you and other drivers on the road. Auto insurance typically includes liability coverage, which pays for damages to other vehicles or property, as well as collision and comprehensive coverage, which cover damages to your own vehicle.

The Importance of Home Insurance

Now let’s talk about home insurance. Your home is one of your most valuable assets, and it’s crucial to protect it with the right insurance coverage. Home insurance provides financial protection in case of damage to your home or belongings due to fire, theft, natural disasters, or other covered events. It also includes liability coverage, which protects you if someone gets injured on your property.

The Benefits of Bundling

Now that we understand the basics of auto and home insurance, let’s explore the benefits of bundling these policies. When you combine your home and auto insurance with the same carrier, you can enjoy several advantages:

Convenience: Managing one policy is much easier than dealing with multiple policies from different carriers. You only need to remember one renewal date, make one payment, and communicate with one insurance agent.

Cost Savings: Bundling your insurance policies can lead to significant cost savings. Insurance carriers often offer discounts for bundling, which can result in lower premiums for both your home and auto insurance.

Enhanced Coverage: Bundling your policies can also provide enhanced coverage. Some insurance carriers offer additional benefits or higher coverage limits when you combine your policies.

Streamlined Claims Process: In case of an accident or damage to your home, having both policies with the same carrier can simplify the claims process. You only need to contact one insurance company, and they will handle both claims efficiently.

Factors to Consider when Bundling

While bundling your home and auto insurance can be beneficial, there are a few factors to consider before making a decision:

Insurance Carrier: Not all insurance carriers offer bundling options. It’s essential to choose an insurance carrier that provides both home and auto insurance and offers bundling discounts.

Insurance Comparison: Before bundling, it’s crucial to compare quotes from different insurance carriers to ensure you are getting the best coverage and price. Shield Insurance Agency represents over 45 insurance companies and can help you find the best options for your needs.

Insurance Discounts: In addition to bundling discounts, insurance carriers offer various other discounts that can further reduce your premiums. These discounts may include safe driver discounts, multi-vehicle discounts, or discounts for installing safety devices in your home.

Insurance Savings: Bundling your home and auto insurance can lead to significant savings. According to a study by the Insurance Information Institute, bundling can save you up to 25% on your premiums.

Making the Decision

Now that you have considered the benefits and factors, it’s time to make a decision. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Their experienced agents can guide you through the insurance decision-making process and help you find the best coverage options at the most competitive prices.

In conclusion, combining your home and auto insurance policies can simplify your life in many ways. It offers convenience, cost savings, enhanced coverage, and a streamlined claims process. However, it’s essential to consider factors such as the insurance carrier, comparison shopping, and available discounts before making a decision. Shield Insurance Agency can assist you in finding the best options for your insurance needs. Don’t wait any longer – start simplifying your life today by bundling your home and auto insurance!


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After Mojave Fires, Camels Help Restore Iconic Joshua Tree Groves in the Cherished California Desert

After Mojave Fires, Camels Help Restore Iconic Joshua Tree Groves in the Cherished California Desert

Good News Network | By Andy Corbley | Feb 15, 2024 | Mojave | Shield Insurance Blog

The Mojave National Preserve is having its iconic Joshua trees restored thanks to a crack team of a dozen volunteers, 3 beasts, and 6 humps.

Following wildfires in 2020 and 2023, the National Parks Service undertook a massive project to breed Joshua trees in nurseries and pack them into the high desert country, and a team of volunteers are using camels to do it.

Camels (two humps), not to be confused with dromedaries (1 hump), would have been present on the North American continent during the last Ice Age thanks to the Bearing Land Bridge, so their presence isn’t a total disturbance.

And indeed, the volunteers working with the camels on behalf of the National Park Service argue they cause less disturbance than mules or horses.

The Mojave Desert’s Joshua Tree Forests

Speaking of the Ice Age, the Mojave Desert’s Joshua tree forests are the most expansive in the country, but they were only able to number in the millions because of the Giant Ground Sloth, reports LAist.

These huge furry mammals fed on the Joshua trees, and would have been like double-decker buses for their seeds, carting them around to all corners of the desert. Since their extinction, the plant has had to rely on wind and rodents, with decidedly less success.

The germination rate is now extremely low, so the NPS knew the only way to ensure the Joshua tree forests remained as robust as possible was to start a reforestation program for them—setting up a nursery in the Mojave Wilderness Area right on top of the burnt scar from the fires in 2020.

Mojave is a National Wilderness

Being that the Mojave is a National Wilderness, there are no roads, no tracks, and no ICE vehicles are permitted inside, so volunteers with the NPS were reduced to hiking hours to the Cima Dome reforestation site with a few seedlings, the cages to protect them, and water to nourish their growth, before having to walk back to the nursery.

Nance Fite, a longtime volunteer at the Mojave National Preserve, realized she had the perfect solution to the arduous task and called up her friend Jennifer Lagusker.

“The job was to pack them and have them carry these things into wherever the park service had us go,” Lagusker told LAist. “When Nance told me about this, I thought, ‘Well, what better way to advocate for the camel than to show the world, hey, they can pack, they really like it, and honestly, they need that kind of a job.’”

Camels are desert specialists, obviously, but their advantages go beyond helping them survive. Their wide and soft feet allow them to pass across the desert wilderness without disturbing the sandy soil and vegetation.

Click here for some great pics!


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Replacement Cost or Actual Cash Value

Don’t Make a Mistake: Replacement Cost or Actual Cash Value Property Insurance – Which is Right for You?”

Shield Insurance Agency Blog | Property Insurance | Homeowners Insurance | Start A Quote Today

When it comes to protecting your property, having the right insurance coverage is crucial. One of the decisions you’ll need to make is whether to have replacement cost or actual cash value property insurance. Both options have their pros and cons, so it’s important to understand the differences and choose the one that best suits your needs. In this blog post, we’ll explore the benefits and drawbacks of each type of insurance coverage and help you make an informed decision.

Actual Cash Value: Understanding the Basics of Property Insurance

Actual cash value (ACV) is a type of property insurance coverage that takes into account depreciation when determining the value of your property. In the event of a covered loss, the insurance company will pay you the current market value of your property, minus depreciation. This means that if your property is older or has depreciated in value, you may receive less compensation than what it would cost to replace or repair it.

Replacement Cost: The Full Value of Your Property

Replacement cost coverage, on the other hand, provides you with the full value of your property at the time of loss, without deducting for depreciation. This means that if your property is damaged or destroyed, the insurance company will pay the cost to replace or repair it, up to the policy limit. Replacement cost coverage typically comes with higher premiums compared to actual cash value coverage, but it offers greater protection and peace of mind.

Property Insurance Comparison: Which Option is Right for You?

When deciding between actual cash value and replacement cost coverage, it’s important to consider your specific needs and circumstances. If you have older property or items that have depreciated significantly in value, actual cash value coverage may be sufficient. However, if you have newer property or items that would be costly to replace, replacement cost coverage is likely the better option.

The Benefits of Replacement Cost Coverage

One of the main benefits of replacement cost coverage is that it provides you with the funds necessary to replace or repair your property without incurring significant out-of-pocket expenses. This can be especially important if you have valuable items or if your property is located in an area prone to natural disasters. Additionally, replacement cost coverage can help you maintain the value of your property and ensure that you can rebuild or replace it to its pre-loss condition.

Contact Shield Insurance Agency for a Free Quote

Choosing the right insurance coverage for your property is a decision that should not be taken lightly. It’s important to carefully consider your options and weigh the benefits and drawbacks of each type of coverage. Shield Insurance Agency represents over 45 insurance companies and can help you navigate the complex world of insurance coverage options. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, whether you choose actual cash value or replacement cost property insurance depends on your specific needs and circumstances. While actual cash value coverage may be more affordable, replacement cost coverage offers greater protection and peace of mind. Consider the value of your property, the potential cost of replacement or repair, and your budget when making this important decision. Remember, Shield Insurance Agency is here to help you find the right insurance coverage for your property.


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