Author: Shield Insurance Agency

Umbrella Insurance Demystified: Your Ultimate Guide

Umbrella Insurance Demystified: Your Ultimate Guide

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Umbrella Insurance | Commercial Insurance

When it comes to protecting your assets and ensuring financial security, having the right insurance coverage is crucial. While most people are familiar with auto, home, and health insurance, there is another type of policy that often goes overlooked – umbrella insurance. In this blog post, we will explore what an umbrella insurance policy is, how it works, and why it is an essential addition to your insurance portfolio.

What is umbrella insurance?

Umbrella insurance is a type of liability coverage that provides an extra layer of protection beyond the limits of your existing insurance policies. It is designed to safeguard your personal assets and provide financial security in the event of a lawsuit or significant claim. While your primary insurance policies, such as auto or homeowners insurance, have coverage limits, an umbrella policy offers additional coverage that kicks in once those limits are exhausted.

How does it work?

Let’s say you are involved in a car accident where you are at fault, and the other party suffers severe bodily injury. Your auto insurance policy has a liability coverage limit of $300,000, but the injured party’s medical expenses, legal fees, and other damages amount to $500,000. Without an umbrella policy, you would be responsible for paying the remaining $200,000 out of pocket. However, if you have an umbrella insurance policy with a coverage limit of $1 million, it would cover the remaining $200,000, saving you from a significant financial burden.

What does it cover?

Umbrella insurance provides coverage for a wide range of situations, including bodily injury, property damage, and personal liability incidents. It also offers protection against claims such as libel, slander, false arrest, and invasion of privacy. This comprehensive coverage ensures that you are protected from various risks and potential lawsuits.

Coverage limits and excess liability

Umbrella policies typically have coverage limits ranging from $1 million to $5 million or more. These limits represent the maximum amount the policy will pay out in the event of a claim. Once your primary insurance policy reaches its limit, the umbrella policy kicks in to cover the excess amount, hence the term “excess liability.” This additional coverage provides peace of mind and ensures that your personal assets are shielded from potential lawsuits.

Misconceptions about umbrella insurance

There are several misconceptions surrounding umbrella insurance that prevent people from considering it as part of their insurance portfolio. One common misconception is that umbrella insurance is only for the wealthy. In reality, anyone can benefit from an umbrella policy, regardless of their income or assets. It is an affordable way to protect yourself and your family from unforeseen circumstances.

Another misconception is that umbrella insurance is only necessary for those with high-risk lifestyles. While it is true that individuals with certain professions or hobbies may face higher risks, accidents can happen to anyone. It only takes one incident to result in a devastating lawsuit that could wipe out your savings and put your assets at risk. Umbrella insurance provides an extra layer of protection for everyone, regardless of their lifestyle.

Why do you need an umbrella policy?

Having an umbrella insurance policy offers numerous benefits, including:

1. Asset protection: Your personal assets, such as your home, savings, and investments, are shielded from potential lawsuits.

2. Peace of mind: Knowing that you have an extra layer of protection provides peace of mind and allows you to focus on enjoying life without worrying about financial risks.

3. Comprehensive coverage: Umbrella insurance covers a wide range of situations, ensuring that you are protected from various risks and potential lawsuits.

4. Risk management: By having an umbrella policy, you are effectively managing your risks and protecting yourself from unforeseen circumstances.

5. Legal protection: In the event of a lawsuit, an umbrella policy covers legal expenses, including attorney fees, court costs, and settlements.

How to get an umbrella insurance policy?

If you are interested in obtaining an umbrella insurance policy, it is essential to work with a reputable insurance agency that understands your needs and can provide you with the best coverage options. Shield Insurance Agency represents over 40 insurance companies and can help you find the right policy that fits your requirements and budget. 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, an umbrella insurance policy is a valuable addition to your insurance portfolio. It provides an extra layer of protection, safeguards your personal assets, and ensures financial security in the event of a lawsuit or significant claim. Don’t wait until it’s too late – consider getting an umbrella policy today and enjoy the peace of mind that comes with knowing you are well protected.

Recent Blogs by Shield Insurance Agency

Read More
Is your business ready for employee benefits liability? Find out now!

Is your business ready for employee benefits liability? Find out now!

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Employee Benefits Liability | Business Insurance | Start A Quote Today!

As a business owner, you understand the importance of protecting your company from potential risks and liabilities. You have likely invested in business insurance to safeguard your assets and mitigate any potential financial losses. However, have you considered the need for employee benefit liability coverage?

Employee Benefits Liability Insurance

Employee benefit liability is a type of insurance that provides protection for your business in the event of employee lawsuits related to employee benefits. This coverage is designed to cover legal expenses, settlements, and judgments that may arise from claims made by employees regarding their benefits.

Employee benefits are an essential part of attracting and retaining top talent in today’s competitive job market. These benefits can include health insurance, retirement plans, paid time off, and other perks that contribute to employee welfare and satisfaction. While offering these benefits is crucial for your business’s success, it also exposes you to potential risks and legal obligations.

Protection From Employee Benefits Liability

Employee lawsuits related to benefits can arise from various situations. For example, an employee may claim that they were wrongfully denied certain benefits or that the benefits provided did not meet legal requirements. They may also allege that the company failed to properly administer the benefits or provide accurate information about them.

Without employee benefit liability coverage, your business may be responsible for covering the costs associated with these lawsuits, including legal fees, settlements, and judgments. These expenses can quickly add up and have a significant impact on your company’s financial stability.

By obtaining employee benefit liability coverage, you can protect your business from these potential risks and ensure that you have the necessary resources to defend against employee lawsuits. This coverage can help cover legal expenses, settlements, and judgments, providing you with peace of mind and financial protection.

In addition to protecting your business financially, employee benefit liability coverage also demonstrates your commitment to your employees’ rights and welfare. It shows that you take their benefits seriously and are prepared to address any issues that may arise.

Employee Benefits Liability Coverage

When considering whether your business needs employee benefit liability coverage, it is essential to assess your current employee benefits program and the potential risks associated with it. Evaluate the legal obligations and responsibilities that come with offering these benefits and consider the potential impact of employee lawsuits on your business.

It is also crucial to review your existing insurance coverage to determine if it includes employee benefit liability. While general business liability insurance may provide some coverage for employee lawsuits, it may not be sufficient to fully protect your business in these situations. Employee benefit liability coverage is specifically designed to address the unique risks associated with employee benefits.

To ensure that you have the right coverage for your business, it is recommended to consult with an experienced insurance agent or broker. They can assess your specific needs and help you find the appropriate employee benefit liability coverage that aligns with your business’s size, industry, and risk profile.

Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote tailored to your business’s needs. 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, employee benefit liability coverage is an essential component of your business insurance portfolio. It protects your business from potential risks and liabilities associated with employee lawsuits related to benefits. By obtaining this coverage, you can ensure that you have the necessary resources to defend against these claims and protect your business’s financial stability. Consult with an experienced insurance agent to determine the right coverage for your business and secure the peace of mind you deserve.

More Blogs by Shield Insurance Agency

Read More
Toys for Tots 2023 Christmas Fun Center

Experience the magic of Christmas at the Toys for Tots 2023 Fun Center!🧑‍🎄🎄

Posted on by Shield Insurance Agency

Toys For Tots | Toys for Tots | Shield Insurance Agency Blog

NOTE: TOY DISTRIBUTION DATES FOR KENT COUNTY: DECEMBER 16, 2023

Fun activities for kids “from 1 to 92” and beyond!

Our Marines and volunteers are determined to spread some fun and joy throughout the holiday season.

These fun activities are designed to bring you joy and much-deserved cheer!

Please help yourself to any of these fun Christmas holiday activities. And feel free to share them with friends and family!

LETTERS TO SANTAFUN COLORING PAGESMAZES AND MORE
Naughty or Nice 🙂
I’ve Been Very Good
Dear Santa
Fill in the Blanks Letter





Christmas Fireplace
Santa Reading His Mail
Down the Chimney
A LOT of Presents
Festive Snow Globe
Up on a Housetop
Snowman Ornament
A Train Full of Toys
Skiing Santa Claus
Speedy Snowman Delivery		Help Santa Find His Bag
Popular Puppy Dog Maze
Christmas Word Search
Snowman Maze
Connect the Dots Stocking
Fill the Stocking Maze
Crazy Sledding Maze
Tree Decorating Maze
Popular Tricky Word Search

FOR MORE FUN be sure to follow us on Facebook or Instagram.

And if you’re able to donate to our ‘Tis the season Toy Drive, please do so. Thank you!

GIVE TO OUR TOY DRIVE NOW >>

U.S. Marine Corps Reserve Toys for Tots Program

Toys for Tots MISSION:


The mission of the U. S. Marine Corps Reserve Program is to collect new, unwrapped toys during October, November and December each year, and distribute those toys as Christmas gifts to less fortunate children in the community in which the campaign is conducted.

Toys for Tots GOAL:

The primary goal of Toys for Tots is to deliver, through a new toy at Christmas, a message of hope to less fortunate youngsters that will assist them in becoming responsible, productive, patriotic citizens.

OBJECTIVES:

The objectives of Toys for Tots are to help less fortunate children throughout the United States experience the joy of Christmas; to play an active role in the development of one of our nation’s most valuable resources – our children; to unite all members of local communities in a common cause for three months each year during the annual toy collection and distribution campaign; and to contribute to better communities in the future.

ACTIVITIES:

The principal Toys for Tots activity which takes place each year is the collection and distribution of toys in the communities in which a Marine Corps Reserve Unit is located.  In communities without a Reserve Unit, the campaign can be conducted by a Marine Corps League Detachment or group of men and women, generally veteran Marines, authorized by Marine Toys for Tots Foundation to conduct a local Toys for Tots campaign.  Local Toys for Tots Campaign Coordinators conduct an array of activities throughout the year, which include golf tournaments, foot races, bicycle races and other voluntary events designed to increase interest in Toys for Tots, and concurrently generate toys and monetary donations.

Recent Blogs by Shield Insurance Agency

Read More
Homeowner Insurance Secrets Revealed: Is Debris Removal Covered?

Homeowner Insurance Secrets Revealed: Is Debris Removal Covered?

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Debris Removal | Home Insurance | Start A Quote Today!

When it comes to protecting your home, having the right insurance coverage is crucial. Homeowner insurance policies provide a safety net in case of unexpected events such as property damage or accidents. But what about debris cleanup? Is it covered under your homeowner insurance policy? Let’s dive into the details and find out.

Debris Removal can be costly

Debris removal is an essential part of home maintenance, especially after a disaster or severe weather event. Whether it’s fallen trees, damaged structures, or other debris, the cleanup process can be costly and time-consuming. That’s where insurance coverage comes into play.

Most homeowner insurance policies do provide coverage for debris removal, but it’s important to understand the specifics of your policy. Debris coverage typically falls under the property damage section of your insurance policy. It helps cover the costs associated with removing debris from your property after a covered event, such as a storm, fire, or vandalism.

The extent of coverage for debris removal can vary depending on your insurance policy. Some policies may have a specific limit for debris cleanup, while others may cover the full cost. It’s essential to review your policy and consult with your insurance agent to understand the details of your coverage.

In some cases, debris removal may be included as part of the overall insurance claim for property damage. For example, if a tree falls on your house during a storm, the cost of removing the tree and repairing the damage would typically be covered under your insurance claim. However, it’s important to note that there may be certain limitations or exclusions, so it’s crucial to read your policy carefully.

Adequate Coverage for Debris Removal

To ensure you have adequate coverage for debris removal, it’s recommended to review your homeowner insurance policy regularly. As your property and circumstances may change over time, it’s essential to update your policy accordingly. If you have made any significant improvements or additions to your home, it’s crucial to inform your insurance provider to ensure you have the appropriate coverage.

If you’re unsure about the coverage for debris removal in your homeowner insurance policy, it’s always a good idea to reach out to your insurance agent. They can provide you with the necessary information and help you understand the specifics of your coverage. They can also guide you through the claims process if you ever need to file a claim for debris cleanup.

When it comes to choosing the right homeowner insurance policy, it’s important to work with a reputable insurance agency. Shield Insurance Agency represents over 40 insurance companies, offering a wide range of options to meet your specific needs. Their experienced agents can help you find the best coverage at competitive rates.

To get started, you can contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Alternatively, you can visit their website and start the quoting process by clicking on the provided link. An agent will be in touch soon to assist you with your homeowner insurance needs.

In conclusion, debris removal is typically covered under homeowner insurance policies. However, the extent of coverage may vary, so it’s crucial to review your policy and consult with your insurance agent. Regularly updating your policy and working with a reputable insurance agency like Shield Insurance Agency can ensure you have the right coverage to protect your home and belongings. Don’t wait until disaster strikes – take the necessary steps to safeguard your home today.

Recent Blogs by Shield Insurance Agency

Read More
What You Need to Know About Condo Insurance vs. Homeowner Insurance

What You Need to Know About Condo Insurance vs. Homeowner Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Condo Insurance | Homeowner Insurance | Start A Quote Today!

When it comes to protecting your property, having the right insurance coverage is crucial. Whether you own a condo or a house, it’s important to understand the differences between condo insurance and homeowner insurance. In this blog post, we will explore the key distinctions between these two types of insurance and help you make an informed decision about which one is right for you.

Condo Insurance vs. Homeowner Insurance: Understanding the Differences

1. Condo Insurance vs Homeowner Insurance Coverage:

Condo insurance typically covers the interior of your unit, personal belongings, and liability. It may also provide coverage for any improvements or upgrades you have made to your unit. On the other hand, homeowner insurance covers the structure of your house, personal belongings, liability, and additional structures on your property, such as a garage or shed.

2. Condo Insurance vs. Homeowner Insurance Policy:

Condo insurance policies are designed specifically for condo owners and take into account the unique aspects of condo living. Homeowner insurance policies, on the other hand, are tailored for homeowners and their specific needs. It’s important to choose a policy that aligns with your living situation to ensure you have the right coverage.

3. Condo Insurance vs. Homeowner Insurance Premiums:

Insurance premiums for condo insurance are typically lower than homeowner insurance premiums. This is because condo insurance only covers the interior of your unit, while homeowner insurance covers the entire property. The cost of your premiums will depend on various factors, such as the value of your property, your location, and your insurance history.

4. Condo Living:

Living in a condo comes with its own set of advantages and challenges. Condo owners often benefit from shared amenities, such as a pool or gym, but they also have to deal with condo association fees and rules. Condo insurance takes into account these unique aspects of condo living and provides coverage that is tailored to your needs as a condo owner.

5. Insurance Comparison:

When comparing condo insurance and homeowner insurance, it’s important to consider your specific needs and circumstances. If you own a condo, you may not need coverage for the exterior of your unit or additional structures on the property. However, if you own a house, these aspects become crucial. Take the time to evaluate your insurance needs and compare different policies to find the one that offers the best coverage for your situation.

Choosing the Right Insurance for Your Property

Whether you own a condo or a house, having the right insurance coverage is essential. It protects your investment and provides peace of mind in case of unexpected events. To ensure you have the right coverage, consider the following steps:

1. Assess Your Needs:

Evaluate your property and determine what type of coverage you require. Consider factors such as the value of your property, the location, and any unique features or risks associated with your property.

2. Research Insurance Companies:

Look for insurance companies that specialize in condo insurance or homeowner insurance. Consider their reputation, customer reviews, and the range of coverage options they offer.

3. Get Multiple Quotes:

Obtain quotes from different insurance companies to compare coverage options and premiums. This will help you make an informed decision and find the best insurance policy for your needs.

4. Consult an Insurance Agent:

If you’re unsure about the type of coverage you need or have specific questions, it’s always a good idea to consult an insurance agent. They can provide expert advice and guide you through the process of selecting the right insurance policy.

Shield Insurance Agency: Your Trusted Insurance Partner

At Shield Insurance Agency, we understand the importance of having the right insurance coverage for your property. As an independent agency, we represent over 40 insurance companies, allowing us to find the best coverage options at competitive prices. Whether you need condo insurance or homeowner insurance, our experienced agents are here to help.

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. Don’t leave the protection of your property to chance – trust Shield Insurance Agency to find the right insurance coverage for you.

More blogs by Shield Insurance Agency

Read More
During their weekly visits to a Philadelphia-area rehab hospital, 2-Legged Dogs Cyrus, Lucky, and Deuce show what's possible.

How These 2-Legged Dogs Inspire Humans Learning to Live With Amputations

Posted on by Shield Insurance Agency

Daily Paws | By Austin Cannon | August 22, 2023 | 2-Legged Dogs | Pet Insurance | Shield Insurance Blog

During their weekly visits to a Philadelphia-area rehab hospital, 2-Legged Dogs Cyrus, Lucky, and Deuce show what’s possible.

Domenick Scudera visits the Bryn Mawr Rehab Hospital almost every week. He’s done so since 2010, bringing along one of his three dogs, each of whom is a therapy dog. 

Animal-assisted therapy is nothing new, but the hospital is home to the Amputee Treatment and Rehabilitation Program—and each of Scudera’s dogs only has two legs. With Scudera’s help, Cyrus, Lucky, and Deuce have lived fun, loving lives, showing what’s possible to the humans they visit. 

“It’s wonderful, and it’s almost always the same,” Scudera tells Daily Paws. “People will say the same thing. They’ll say, ‘If he can do it, I can do it.’ They say that to me all the time.”

2-Legged Dogs provide comfort

Like some of the patients they visit, Lucky, with only front legs, and Deuce, who only has legs on his right side, endured horrific accidents that led to invasive surgeries. (Cyrus, the trio’s elder statesman, has only back legs.) Years later, they’re providing comfort and inspiration.  

Kathleen Liebsch, an occupational therapist at Bryn Mawr, once witnessed Deuce visit her patient who’d lost a leg and an arm on the same side. He identified with the small brown dog who walks unassisted without legs on his left side.

“I’m working towards that, too,” he told Liebsch. 

“It was pretty inspiring,” she remembers.

The Trio of 2-Legged Dogs

About 12 years ago, Scudera, a theater professor at Ursinus College outside Philadelphia, owned Festus, a three-legged dog. He was also a therapy dog, visiting patients at Bryn Mawr and the Children’s Hospital of Philadelphia. 

As Festus aged, Scudera began looking for another dog. This pup would also be trained as a therapy dog, and Scudera was searching for one who didn’t have four legs because he knew how much it meant to patients to see disabled dogs living healthy lives. 

He saw scruffy Cyrus online after the small terrier mix had been abandoned at an animal shelter. Soon, Scudera flew to California to adopt the little guy. 

Now Scudera is easily identified as the foremost two-legged dog dad. Lucky, who’s roughly 8, came from Egypt. A local named Marwa Elgebaly found him on a Cairo street after he was likely hit by a car. Deuce, about 5, was found in a Kentucky ditch with his left legs broken and infected. (X-rays revealed shrapnel, so he may have been shot, though Scudera will never know the true cause of his injuries.) 

Read the full story here!

More great blogs by Shield Insurance Agency

Read More
Homeowner Insurance: The Untold Truths You Need to Know

Homeowner Insurance: The Untold Truths You Need to Know

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Homeowner Insurance | Start A Quote Today!

When it comes to protecting your home, homeowner insurance is a must-have. It provides coverage for property damage, liability, and even personal belongings. However, many homeowners are unaware of the limitations and exclusions that come with their insurance policy. In this blog post, we will explore what is not covered by your homeowner insurance policy, so you can be better prepared and avoid any surprises in the event of a claim.

What Homeowner Insurance Does NOT Cover

1. Earthquakes and Floods: Most standard homeowner insurance policies do not cover damage caused by earthquakes or floods. If you live in an area prone to these natural disasters, it is important to consider purchasing separate coverage to protect your home.

2. Sewer Backup: If your sewer backs up and causes damage to your home, it may not be covered by your homeowner insurance policy. This is another coverage that you may need to add as an endorsement to your policy.

3. Mold and Mildew: While some policies may cover mold and mildew damage, it is often limited and may only be covered if it is a result of a covered peril, such as a burst pipe. It is important to review your policy to understand the extent of coverage for mold and mildew.

4. Wear and Tear: Homeowner insurance is designed to protect against sudden and accidental damage, not normal wear and tear. If your roof is old and starts leaking, it may not be covered by your policy. Regular maintenance and repairs are your responsibility as a homeowner.

5. Termites and Pests: Damage caused by termites, rodents, or other pests is typically not covered by homeowner insurance. It is important to take preventative measures and address any pest issues promptly to avoid costly repairs.

6. Business-related Losses: If you run a business from your home, it is important to note that homeowner insurance typically does not cover business-related losses. You may need to purchase separate business insurance to protect your assets and liability.

7. High-Value Items: While homeowner insurance provides coverage for personal belongings, there are often limits on high-value items such as jewelry, artwork, or collectibles. If you own valuable items, you may need to purchase additional coverage or a separate policy to adequately protect them.

Understanding Homeowner Insurance Policy Limitations

In addition to exclusions, homeowner insurance policies also have limitations that can affect your coverage. It is important to be aware of these limitations to ensure you have adequate protection for your home.

1. Actual Cash Value vs. Replacement Cost: When it comes to property damage, homeowner insurance policies may provide coverage based on either the actual cash value (ACV) or the replacement cost. ACV takes into account depreciation, while replacement cost provides coverage for the full cost of replacing the damaged item. It is important to understand which type of coverage your policy offers.

2. Liability Coverage Limits: Liability coverage protects you in the event that someone is injured on your property and sues you. However, there are limits to how much coverage your policy provides. It is important to review your liability coverage limits and consider purchasing additional coverage if necessary.

3. Deductibles: Homeowner insurance policies often have deductibles, which are the amount you are responsible for paying out of pocket before your insurance coverage kicks in. It is important to understand your deductible and ensure you have enough savings to cover it in the event of a claim.

4. Vacant or Unoccupied Homes: If your home is vacant or unoccupied for an extended period of time, your homeowner insurance policy may have limitations or exclusions. It is important to notify your insurance company if your home will be vacant or unoccupied for an extended period of time to ensure you have the proper coverage.

Avoiding Home Insurance Coverage Gaps

To avoid coverage gaps and ensure you have adequate protection for your home, it is important to review your homeowner insurance policy regularly and consider the following tips:

1. Read the Fine Print: Take the time to read and understand your insurance policy, including the exclusions, limitations, and coverage details. If you have any questions, reach out to your insurance agent for clarification.

2. Review and Update: Regularly review your policy to ensure it still meets your needs. If you have made any significant changes to your home or belongings, such as renovations or purchasing high-value items, update your policy accordingly.

3. Consider Additional Coverage: If you live in an area prone to natural disasters or have valuable items, consider purchasing additional coverage or separate policies to adequately protect your home and belongings.

4. Document Your Belongings: Keep an inventory of your personal belongings, including receipts, photos, and appraisals. This will make the claims process smoother in the event of a loss.

5. Shop Around: Insurance policies and coverage options can vary greatly between insurance companies. Take the time to shop around and compare quotes to ensure you are getting the best coverage at the best price

Shield Insurance Agency represents over 40 insurance companies. 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.

More Blogs by Shield Insurance Agency

Read More
7 Fun things to do after Thanksgiving

7 Fun things to do after Thanksgiving

Posted on by Shield Insurance Agency

San Diego Family Magazine | Thanksgiving | More Blogs from Shield

After Thanksgiving dinner, make memories with friends and family by enjoying long-time traditions or creating new ones. Here are some ideas:

1. Host a post-Thanksgiving game night. 

Ask guests to bring their favorite board game. Be sure to have games on hand that are appropriate for all the kids who will be at your house, including teenagers and preschoolers. After dinner is cleaned up, pull out the games and help everyone find one to play. You can also play a group game, such as Balderdash, Pictionary or Catch Phrase. Katie Roger’s family always played games together after dinner and says, “Some of my favorite memories growing up are from these times.” Need more ideas? Find a list of fun family board games here.

2. Head outdoors. Divide your guests into teams and have fun playing a friendly game of touch football. Be sure to clearly communicate the rules. Or, play Hide and Seek, Kick-the-Can or Capture the Flag with a big group.

If you’re feeling adventurous, head to a nearby canyon, beach or wilderness area and explore local hiking trails together. Find a list of San Diego’s favorite hiking trails here. Take a family walk or bike ride in your neighborhood. Remember to have guests bring walking shoes or bicycles when you invite them to dinner.

3. Create a family scrapbook. Ask each family member to bring a few favorite family photos to Thanksgiving dinner. Provide colored cardstock, patterned paper, glue sticks, stickers, pens and scissors. Have each person create a scrapbook page using the pictures and write their memories on the page. When everyone is finished, add the pages to an album. Be sure to include the date and artist on each scrapbook page. Next year, create more scrapbook pages and add to the album each year.

4. Write thankful letters. Have each guest think of one person for whom they are especially thankful this year. Hand out pens and paper and encourage your guests to write the person a letter telling them why they are special. Include preschoolers in this activity by having them dictate the letter to an adult or an older child. When everyone is done, provide envelopes and stamps and drop the letters into a mailbox.

5. Decorate for the holidays. Consider decorating for the holidays on Thanksgiving evening to include your guests in the festivities. Some families pick out a Christmas tree together on Thanksgiving to decorate later in the weekend.

Another idea is to make holiday decorations together after dinner. Some simple ideas include paper chains, salt dough ornaments and bead ornaments. When coming up with a project, be sure to include young children who might want to participate and provide alternate crafts if you have guests who celebrate Hanukkah or other holidays. Find a bunch of fun holiday crafts here.

6. Volunteer together. Consider heading to a soup kitchen, shelter or local 5K to help serve meals or pass out water. Find ideas on where to volunteer in San Diego in “Put Gratitude into Action.”

“I want my kids to see the blessing they have while at the same time serving others who are not as fortunate,” says Mary Ford.

Click here for the full story…

More blog articles by Shield Insurance Agency

Read More
The Truth About Coinsurance and Your Health Insurance: Don't Miss Out!

The Truth About Coinsurance and Your Health Insurance: Don’t Miss Out!

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Coinsurance | Health Insurance | Contact Bri!

NOTE: Coinsurance may also be called “eligible expense,” “payment allowance,” or “negotiated rate.”

Health insurance can be a complex topic, with various terms and concepts that can confuse policyholders. One such term is “coinsurance.” Understanding what coinsurance is and how it affects your health insurance is crucial for making informed decisions about your coverage. In this blog post, we will delve into the intricacies of coinsurance and its impact on your healthcare costs.

Understanding Coinsurance:

Coinsurance is a cost-sharing arrangement between the policyholder and the insurance company. It is the percentage of the covered medical expenses that the policyholder is responsible for paying after the deductible has been met. For example, if your payment allowance is 20%, you will be responsible for paying 20% of the covered medical expenses, while the insurance company will cover the remaining 80%.

Negotiated Rate and Deductible:

Coinsurance and deductible are two separate components of health insurance. The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Once you have met your deductible, eligible expenses comes into play. It is important to note that the deductible and payment allowance are not the same, and you may have to pay both depending on your insurance plan.

Coinsurance and Healthcare Costs:

Coinsurance plays a significant role in determining your healthcare costs. The percentage of payment allowance you have will directly impact the amount you have to pay for medical services. If your eligible expense percentage is higher, you will be responsible for a larger portion of the medical expenses. On the other hand, a lower payment allowance percentage means the insurance company will cover a larger portion of the costs.

Negotiated Rate Health Coverage:

Coinsurance is a crucial factor in determining the extent of your health coverage. Higher coinsurance percentages can limit your coverage, as you will have to pay a larger portion of the medical expenses out of pocket. It is essential to carefully review your insurance plan and understand the negotiated rate percentage to ensure it aligns with your healthcare needs and budget.

Insurance Plans:

Different insurance plans offer varying payment allowance percentages. Some plans may have fixed percentages, while others may offer different options for policyholders to choose from. When selecting an insurance plan, it is important to consider your healthcare needs and financial situation to determine the most suitable negotiated rate percentage for you.

Medical Expenses:

Payment allowance applies to covered medical expenses, which can include doctor visits, hospital stays, surgeries, prescription medications, and more. It is important to review your insurance policy to understand which medical expenses are covered and how the negotiated rate percentage applies to each category. This knowledge will help you estimate your out-of-pocket costs accurately.

Out-of-Pocket Costs:

Coinsurance is a significant factor in determining your out-of-pocket costs. Along with deductibles and copayments, payment allowance contributes to the total amount you have to pay for medical services. It is crucial to budget for these costs and understand how this affects your financial responsibility.

Coinsurance Health Insurance:

Payment allowance is a common feature in health insurance plans. It helps insurance companies share the cost of medical expenses with policyholders, ensuring that the burden is not solely on the individual. By understanding how payment allowance works, you can make informed decisions about your health insurance coverage and manage your healthcare costs effectively.

Payment allowance Percentage:

The insurance percentage is the portion of the covered medical expenses that you are responsible for paying. It can range from 0% to 50% or more, depending on your insurance plan. Higher payment allowance percentages mean higher out-of-pocket costs, while lower percentages provide more coverage from the insurance company.

Coinsurance vs Copay:

While coinsurance and copayments are both cost-sharing arrangements, they differ in how they are calculated. Coinsurance is a percentage of the covered medical expenses, while a negotiated rate is a fixed amount you pay for specific services. For example, you may have a $20 copayment for a doctor’s visit, regardless of the total cost of the visit. Understanding the difference between negotiated rate and copayments is essential for managing your healthcare expenses.

Coinsurance is a critical aspect of health insurance that affects your out-of-pocket costs and coverage. By understanding how negotiated rate works and reviewing your insurance plan, you can make informed decisions about your healthcare and budget effectively. Shield Insurance Agency represents over 45 insurance companies and can assist in all your insurance needs. Start a Quote Today!

More Blogs by Shield Insurance Agency

Read More
What if the unthinkable happens? Unveiling the truth about Homeowners Insurance and Nuclear Explosions!

Unveiling the truth about Nuclear Explosions and Homeowners Insurance. What if the unthinkable happens?

Posted on by Shield Insurance Agency

Shield Insurance Blog | Nuclear Explosions | Home Insurance | Start A Quote Today!

In today’s uncertain world, it’s natural to have concerns about potential disasters and their impact on our homes. One such catastrophic event that often comes to mind is a nuclear explosion. Homeowners insurance is designed to protect our homes from various risks, but does it cover the aftermath of a nuclear disaster? In this blog post, we will explore the topic of homeowners insurance coverage in the event of a nuclear explosion. Read on to find out if your insurance policy provides the necessary protection and what steps you can take to ensure your home’s safety.

Understanding Homeowners Insurance Coverage

Homeowners insurance is a crucial investment that provides financial protection against a range of perils, including fire, theft, and natural disasters. However, the coverage provided by insurance policies can vary significantly. While most policies cover common disasters like fires and storms, the question of whether homeowners insurance covers a nuclear explosion is more complex.

Coverage for Nuclear Explosions

Unfortunately, the majority of standard homeowners insurance policies do not explicitly cover nuclear explosions. This is because nuclear disasters are considered high-risk events that can cause widespread damage and have long-lasting effects. Insurance companies typically exclude coverage for nuclear threats due to the immense financial burden they would face if such an event were to occur.

Specialized Insurance Policies

Although homeowners insurance may not cover nuclear explosions, there are specialized insurance policies available that can provide coverage for such catastrophic events. These policies, often referred to as “nuclear disaster insurance,” are designed to protect homeowners in the event of a nuclear explosion or radiation-related damage. It’s important to note that these policies are not widely available and may come with specific terms and conditions.

Filing an Insurance Claim from Nuclear Explosions

In the unfortunate event of a nuclear explosion, it is crucial to understand the steps involved in filing an insurance claim. While homeowners insurance may not cover the direct damage caused by a nuclear blast, it may provide coverage for secondary damages, such as fires or structural damage resulting from the explosion. It is essential to review your insurance policy carefully and consult with your insurance agent to understand the extent of your coverage and the process for filing a claim.

While homeowners insurance may not cover a nuclear explosion directly, it is still a vital component of home protection. Understanding the limitations of your insurance policy and exploring specialized coverage options can help ensure that you are adequately prepared for any disaster. Remember to review your policy regularly, ask questions about coverage, and consider additional insurance options to safeguard your home and loved ones.

For comprehensive homeowners insurance coverage and expert advice, 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. Stay informed, stay protected!

More Blogs by Shield Insurance Agency

Read More