Abri Insurance
  • Home
  • About
  • Services
    • Products
    • Request a Quote
    • File a Claim
    • Submit Payment
  • Abri News
  • Contact

Abri News &
Insurance Education

Abri's Insurance Checklist for 2021!

1/19/2021

0 Comments

 
Picture
It's the new year, and it's time to start fresh. To make the most out of your insurance plans this year, here is our insurance checklist for 2021! 

Hello readers, and welcome back to the blog! Goodness, it's 2021 already! As much as we were happy to see 2020 go, it's a little wild to think how quickly last year seemed to fly by! From all of us at Abri, we want to wish you a very happy and healthy new year! A new year is so exciting, it means growth, change, and adventure. You might buy a new home, a new car, get married, retire, or finally get the opportunity to take that trip you've been planning for years! We will be here for all of your insurance needs, changes, and upgrades to help support and care for you and your loved ones this year. A new year, in its harsh reality, also means that there is the opportunity to face bad weather, unexpected illness and injury, accidents, and much more. We will also be here to help you with all of your insurance needs to cover and care for all of these situations to keep you and your family as safe and protected as possible!

A new year also means making the most out of each of your insurance plans, and we want to make sure you're getting the most out of what you're paying for every month. To do that, we've created our very own insurance checklist for 2021. We ended 2020 with an end of the year checklist, and now we are kicking off 2021 with a checklist to make this the best year yet! 
  • We are sure that you're no stranger to making goals, plans, and resolutions for a new year. How about starting the new year off right with a resolution that you can stick with and start on the right foot with? Good news, it's simple and easy. Start this new year off by sitting down and reviewing all of your policies and coverage that you have for every aspect of your life. From home to health insurance, make sure you know exactly what you're paying for and will be covered for in 2021. 
  • What does 2021 have in store for you that you already have planned? Are you having a baby, retiring, moving, or buying a new home? If you already have these big life changes heading your way, make sure that your insurance policies are going to have you covered for everything you have planned and for all the possible things you don't have planned. 
  • This past year has lead us to spend a lot more time at home with our loved ones and our four-legged best friends. We appreciate our pets love and company now more than ever. Many homeowner insurance policies don't provide protection, care, or liability for your pets. Make sure to sit down and review your policy for this, or give us a call to update your current policies. 
  • 2020 was an incredibly unique and incredibly difficult year for small business owners. Did you begin your very own small business in the comforts of your craft room or beloved "she-sheds" and it has grown bigger than you thought possible? Are you looking into buying your very first insurance policy for your new small business in 2021? Now is the perfect time to start talking with us and getting started with that. Did you have to sell or close your business or part of your business at the beginning of the new year due to the impacts of 2020 and the pandemic? We are also here to help make that difficult process a little easier by helping you to change your insurance policies to reflect these changes! 
  • Like we mentioned at the beginning of this blog, a new year can rush in all kinds of wonderful and exciting things. It also has its share of difficult and unexpected expenses. While we hope these situations never happen to our clients, we want to make sure you're ready for anything! Are you and your auto insurance policy prepared and ready for the instance a car hits you and the driver doesn't have insurance? Remember, most basic car insurance policies just offer coverage for when you hit someone, and not the other way around. What happens if you're the one hit by someone who has no coverage? While this might cost a little more in your monthly premium, it will save you more money and a headache in the long run. Sit down and review your policy for uninsured motorist coverage. This will help you recover from an accident with someone who is uninsured, and it will even protect you if you're a pedestrian and you're hit in a hit and run situation. While it's sad that you can't rely on everyone, make sure to rely on yourself this year. We can help keep you safe no matter what. 
  • While life insurance and your life insurance beneficiaries might not be what you want to think about when starting a new year, it might be more important than you think. When you pass, whoever is listed as your beneficiary on your life insurance plan will receive your death benefit, no matter what your will states. Make sure your beneficiary and your other important paperwork match your intentions exactly as you want before the year gets away! 
  • Are you taking full advantage of your insurance companies? Almost every insurance company has its own app that can help manage your information, policies, payments, benefits, and more with just a click of a button. Make sure you've downloaded them onto your smart devices and that you're making the most of your policies. Some of these apps even come with opportunities to track your driving records and your health and wellness to help you save money or get money back. Why wouldn't you want to take advantage of that in the new year? 
  • A new year always means new goals and aspirations, many of which take money and savings to achieve. One of the best ways to save money with an insurance plan is to have umbrella coverage or to bundle your plans. Using an umbrella plan can offer you more protection with everything you need insurance for, it can save you money, and it can also help you manage and work with fewer insurance companies. Why work with multiple companies, have multiple bills to pay, and different companies to call or contact when you need help when you can pay, manage, and work with just one or two? 
  • All professionals know the ins and outs of their industries, insurance is no different. Learning more about your policies, digging deeper into the insurance world, and truly understanding exactly what you and your family need in your unique and individualized coverage can be the best gift you've given yourself! Why not get a jump start on this new year and schedule a personal insurance review? These one on one meetings with us can help you tackle and check off all of your insurance to-do list items in one sitting. We might even be able to catch a few forgotten to-do list items, or help remind you of a few things you've forgotten to do or include in your current insurance plans and policies. 
  • A new year means new paperwork and documents to keep in your car, your wallet, and organized at home. You also need to make sure you keep track of last year's insurance documents when it comes time to do your taxes. Your insurance company will also be sending you specific documents to help with your taxes, so it's a lot to keep track of! Make sure to put your new documents in their proper places when you receive them, don't wait and let them get lost in piles of mail. Put your health insurance cards in your wallet, your auto insurance information in your car, and your home insurance and other policy information in a safe and secure location in your home. Having copies and putting them in a portable and fire and waterproof box is also not a bad idea. This way in times of emergency, it can be taken with you, or if your home is subject to fire or other natural disasters, your important insurance documents will be safe. 

These are just ten easy steps and ideas to put on your 2021 new year's checklist. They don't even include trips to the gym or cutting carbs! You can even schedule an appointment with us at Abri to make sure all of your insurance policies for your life here in Charleston, South Carolina are all in perfect order. All of us here at Abri want to make sure you have the healthiest and safest new year. So please take this checklist to heart, and please reach out to us right away if you need to change or update your policy in any way. It's better to be prepared now at the beginning of the year before anything happens over the next 12 months ahead of us. We're Abri Insurance and we are here to make sure you have the best coverage for life in the Lowcountry! 

0 Comments

Don't Dampen Your Travel Plans; The Truth About Travel Insurance

11/25/2020

0 Comments

 
Picture
While traveling might look a little differently this year, it's always smart to be prepared.

Traveling throughout 2020 has been such a strange and unique experience, and hasn't looked like anything we've ever seen before. For most, traveling has become something we've put on the back burner and will come back to once it's safe to do so again. However, even with that in mind, the most important thing to remember is that traveling as we've always known it will be back again. We will be able to enjoy every aspect of traveling again someday soon and will be enjoying our regularly scheduled vacation plans again. For now, it's just on pause. Until then, since we all have a little time on our hands, it's a great time to learn a little bit more about the many ways to keep you and your family safe the next time you're on your dream vacations. While you're dreaming about packing up your favorite overnight bag and the stack of books you want to read by the pool, we encourage you to start adding travel insurance to those thoughts and considerations.

One of our favorite topics is, of course, insurance, and it applies to every aspect of your life. In the spirit of celebrating the joy of travel and counting down the days until your next (safe) big trip, we wanted to chat about the truths and misconceptions of travel insurance. Myths and misconceptions on any topic are a dangerous road to go down. They can, sadly, cause hundreds of well-meaning people and travelers to make some not so smart decisions. Thanks to these myths floating around out there, travel insurance has gotten a pretty bad reputation that it's not needed and that it's a waste of time and money. Please know that these myths and misconceptions are called that for a reason and have been getting in the way of guaranteeing safe and fantastic trips for millions of people every year. Also keep in mind that if you are planning on traveling internationally, travel insurance is a necessity, and we wouldn't ever recommend getting on a plane without it.

Myth: My credit card offers plenty of protection while I'm traveling, and I won't need any more protection than that!
Fact: First and foremost, your travel credit cards only cover a few basic things, and in almost every situation they won't cover much if any healthcare if you get sick or injured while you're out of the country. If you're traveling inside of the United States, it still is very much the same. While your healthcare will be out of network while traveling more than 100 miles away from your home, most likely, it will still be better than traveling globally without any health insurance.  If you choose to rely on your travel credit card as your travel insurance while you're away from home, please call and speak with your credit card company first, just so you know exactly what protection you'll have, if any! Even the best travel credit cards out there offer little more than protection for stolen items, loss of baggage, or a canceled trip. While some medical expenses could be covered, the coverage limit will be very low. The amount you could be spending out of pocket could be huge, and much more than you would be paying for a travel insurance plan. We urge you to speak with us or your insurance provider about some travel insurance on top of the protection your credit card offers. This way your medical needs, if by chance something does happen when you're away, can be taken care of much more affordably.

Myth: Travel insurance doesn't cover pre-existing conditions.
Fact: This is a moment where we need to pause and have you read the fine print on any travel insurance package. If you have a pre-existing condition, and you were healthy and stable before the start of your trip, travel insurance will help cover you for things you might need if something happens due to your pre-existing condition while you're traveling. If you need more medication or need to see a doctor because of it, travel insurance will help taking care of you with ease. When planning out a trip and you choose to sit down and talk with us at Abri or with your current insurance provider, make sure you pick an appropriate travel insurance plan with your specific needs and with your condition in mind. According to AAA, they encourage people to remember that the term "pre-existing" can be much broader than many people realize. Don't just dismiss the idea that your condition isn't included under the pre-existing bubble. Make sure to do your research! Also, please don't wait to get coverage for your pre-existing condition added to your travel insurance plan. You will need to apply for it between 10 days and a month of booking your trip, according to AAA.

Myth: Travel insurance is too expensive!
Fact: Remember, as we've mentioned before, if you get sick or injured 100 miles or more away from your home or when you're outside of the country, it can cost you much more than what you'll end up paying out of pocket for your travel insurance policy. According to AAA, travel insurance will cost 5-8% of your trips overall cost. So, yes, the more your trip costs the more you will be paying for insurance. However, if you can't pay the out-of-pocket expenses if your trip is canceled, if you have to rebook your flight or hotel last minute, then travel insurance is the way to go. In any of these last-minute situations, your travel insurance will be able to give you the protection you need financially and for your mental well being.

Myth: I have great health insurance already, so that will cover me on my trip! Travel insurance and health insurance are the same things, anyway.
Fact: This is a very big issue that's found across the board, and it is also a very false statement. Your personal health insurance won't provide protection or support with trip interruption, trip cancellation, damaged possessions, stolen items, lost items, emergency evacuation, or if there is a natural disaster where you've chosen to vacation and you're now dealing with the situation as an expatriate. Travel insurance, on the other hand, does. Also, while your health insurance might cover "customary" and "reasonable" expenses when you're abroad, most of your other costs won't be covered, according to AAA. This can happen when you're simply out of network when you're traveling in the US, too. Also, Medicare does not cover chargers that happen outside of the United States. So, if you have to be moved to a different doctor or specialist while you're traveling abroad (also called medical evacuation) it will not be covered under Medicare and nor will your other medical related issues. Also, if you're using insurance through your employer while traveling, you might be the only one it covers during your trip. While your spouse or child might be covered under this insurance while you're at home, this might not be the cause while you're traveling. This could put your loved ones at serious risk while traveling if all you have is your normal health insurance with you during your trip and not travel insurance.

Myth: I'm incredibly healthy and I'm a very safe person. Nothing will happen to me or my belongings while I'm traveling!
Fact: While you might be healthy and safe, there is so much about life and other people that you cannot control when it comes to traveling and what could happen. So much of what could happen during a trip that could put you in danger or cause you to leave and head back home because of an emergency has nothing to do with how healthy you are or how safe you live your life. You don't have control over the weather, over a canceled flight, or if someone chooses to steal your belongings or passport. Don't assume either, that even if you're just traveling over a short period that you're safe from these disasters. One bad day, one bad storm, or the loss of all your luggage in a matter of one flight can happen when you least expect it. There is no amount of specific time between when a disaster can and cannot happen!

We hope we've put your traveling plans in a new perspective after reading this blog! During these unknown times where traveling is already a gamble, travel insurance shouldn't be a question. Be prepared, travel safely, and make sure to put travel insurance at the top of your to-do list when making plans for your next trip. If you have any questions, please don't hesitate to reach out and chat with us! We are here for all of your insurance needs and questions! We are excited to work with you and love being a part of the Summerville community!
0 Comments

Best Tips For a Pain-Free Open Enrollment

11/18/2020

0 Comments

 
Picture
The dawning of November means the beginning of open enrollment. If you are new to the process or you're looking to make it a much easier process than you've experienced, that is what this blog is all about! 

While the idea of turkey and stuffing is on the minds of most of our readers, November is an incredibly busy month for us and it has nothing to do with picking out what sides to match our turkey or the perfect pumpkin pie. While these are things we still make time for and hope you get a ton of enjoyment out of, November for all of us at Abri means one thing; Open Enrollment! While we want you to enjoy the most out of your Thanksgiving and the last bit of fall here in Summerville, if your insurance plan is expiring and you will be needing new health insurance coverage, we hope you make open enrollment one of your priorities over the next month. We are here to help you through every step of this process and want to make it an extremely pain-free experience. That is why we wanted to dedicate this blog to multiple ways on how you can make it a pain-free process and what some of the best ways to handle open enrollment are. Don't stress, you've got this! 

Open enrollment for 2021 began on November 1st and it ends on December 15th. Every year you only have a little over a month to search for, research, and choose your next best healthcare plan. Just a tad overwhelming. For our readers new to the blog and the insurance world, you might be curious about what open enrollment actually is. According to the dictionary, open enrollment is "a period of time during which one may freely enroll in or change one's selection of health insurance plan or other benefit programs that is ordinarily subject to restrictions." The short version is that your health insurance plan is expiring and it's time to get a new one. Sounds relatively easy, right? Well, we are here to make it as simple and as easy for our clients as we possibly can. Sadly, this is not the case for everyone.

Enrollment is a short period that pushes people to pick their plans very rapidly and has also been created to limit adverse selection. What makes it hard, even when you know all year that you have a short period to buy your plan, getting information about what your options are and what's available to you can be difficult to find or very confusing. That's where we can come in. If you are looking for an independent plan on the marketplace and outside of what your employers may or may not be offering, we can search the whole market with you and your family's needs and best intentions in mind. This can help you save time, save stress, save money, and help guarantee that all of you and your family's needs will be taken care of. 


While you begin your journey and begin the search for health insurance, we wanted to provide you with a list of tips and suggestions on what to be thinking about and what to avoid while you're searching in the market. 
  • Don't be fooled, please be in the know. Many insurance plans can simply be rolled over into the upcoming year, but that's not always the case. Please don't just assume that this is how it will be for you. Pay close attention to your policy and know if you will need to be looking for a new plan or not. Also, pay attention and discuss with your policyholder that even if you're rolling your policy over, double-check if anything is changing in your policy before you blindly decide to roll over your plan for this upcoming year.
  • Be aware of what kind of needs you and your family require and know how much you can pay for any out of pocket expenses, and know what kind of deductible will be best for your family. When considering a new plan, please take note of what services and plans your family needs. Are all of you relatively healthy or do each of you need consistent doctor visits? Is there a type of coverage that you want outside of basic medical care in your plan? Is there a set of doctors that you love and they are inspiring you to remain in their network? All of these questions need to be answered with your family and will dictate what you need to purchase. Don't buy an incorrect plan just because it's a good deal. Also, beware of low monthly payments and high deductibles. You might find a plan that has a low monthly rate, but that will more than likely be linked to an impossibly high deductible. This might be a great month to month expense for you, but you might end up spending more than you needed to reach your coverage or get the plan you needed, but instead, you're paying a ton out of pocket and never reaching your deductible. 
  • While it is hard to find the best doctor for you and your family, it might be more expensive to stay with a previous doctor especially when you're not even visiting them that often. Sometimes choosing to stick with a certain set of doctors means choosing an expensive plan that you don't even really need to have. Sometimes it is worth switching plans and doctors to save you and your family some serious money! 
  • Think about big changes that could be heading towards you and your family when choosing your next plan. Are you planning on having a baby in the upcoming year or possibly leaving or starting a new job? Is a child going off to college or are you and your spouse about to retire? No matter what big changes are heading your way, make sure you are aware of how each of these changes will affect your life and make sure your new potential plan reflects the support and care that you need to for these new chapters in your life

Now that you've read through this blog, are you feeling better about open enrollment? Regardless if you are or not, please remember that we are here to help. We know that you have many difficult questions to ask yourself to make sure you and your family are covered and cared for. We are here to do the rest of the heavy lifting once those decisions are made. If you have any questions or comments, please reach out to us now before open enrollment closes! We are excited to work with you and love being a part of the Summerville community!

0 Comments

    We are Abri

    We've created this blog to keep our customers and others in the know. When it comes to insurance and keeping people safe, no knowledge should be off limits.

    Archives

    November 2020
    October 2020
    September 2020
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    September 2017
    August 2017
    July 2017

    Categories

    All
    Abri Insurance
    Abri Insurance North Charleston
    Adding To Your Insurance Policy
    Additional Living Expenses
    ALE Coverage
    Buying Flood Insurance
    Captive Insurance Agent
    Car Insurance
    Charleston Insurance
    Charleston South Carolina
    Claim
    Claim Adjustment
    Class A Vehicles
    Class B Vehicles
    Class C Vehicles
    Covering Pre-exisiting Conditions
    Customer Service
    Direct Insurance Company
    Disaster Relief
    Evaucation Plans
    FAQ Flood Insurance
    FEMA
    Flood Damage
    Flood Emergency
    Flood Insurance
    Flood Insurance And Homeowners
    Flood Insurance And Renters
    Flood Insurance Facts
    Flood Insurance Information
    Flood Insurance Myths
    Full Time RV Users
    Gofvernment Assistance
    Healthcare
    Health Insurance
    Home Insurance
    Homeowners Insurance
    Hurricane Improvements
    Hurricane Insurance
    Hurricane Season
    Indeoendent Insurance Agent
    Independent Insurance Agent
    Insurance
    Insurance Claim
    Insurance Company In Charleston
    Insurance North Charleston
    Insurance Open Enrollment
    Inventory
    Motor Home
    Motor Home Insurance
    NOAA
    North Charleston
    Open Enrollment
    Open Enrollment Begins November 1
    Open Enrollment Ends December 15th
    Out Of Pocket Expenses
    Part Ime RV Users
    Recreational Insurance
    Recreational Vehicles
    Research Your Insurance Policies
    RV Accidents
    RV Insurance
    Saving Money With Travel Insurance
    SC
    Staying In Network
    Storm Season
    Summerville
    The Myths And Facts Of Travel Insurance
    The Truth About Travel Insurance
    Travel
    Travel 2020
    Traveling 2020
    Traveling Abroad
    Travel Insurance
    Travel Insurance Is Not Expensive
    Vacation Insurance
    Why Travel Insurance Is Important
    Why You Need To Buy Travel Insurance

    RSS Feed

Picture
(843) 628-5588
info@abriinsurance.com
Abri Insurance, Insurance, North Charleston, SC

​​5107 N Rhett Ave, Ste 100
North Charleston, SC 29405
Site managed by Creative Consulting
​Site powered by MadeSimply
  • Home
  • About
  • Services
    • Products
    • Request a Quote
    • File a Claim
    • Submit Payment
  • Abri News
  • Contact