Friday December 2nd Brian Lampton and Elizabeth Rumple from the Beavercreek Rotary Club delivered new coloring books to every second grader at Shaw Elementary School and new dictionaries to every third grader at Shaw Elementary. The Beavercreek Rotary has been giving out dictionaries to every third grader in the district for eleven years. Over 6,600 dictionaries have been given out to the students in Beavercreek. Brian Lampton is the project manager for Beavercreek Rotary. “I am always delighted to witness the students appreciation when we deliver the books”.

Brian Lampton was singled out with customer appreciation in the July 27, 2011 edition of “The Bulletin.”

” I recently had a roof damage claim and some auto damage too, and I called to say how nice and helpful everyone involved was. Thank you, especially to my Agent Brian and [Claims Supervisor] Donna Carpenter.”

–Customer Jane B., via a phone conversation with Branch Manager Joe Wilkerson

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Mold Prevention Tips

Brought to you by:
Brian Lampton
1326 Parkway Ct
Beavercreek, 45432(937) 427-8444
www.lamptonengleagency.com
blampton@lamptonengleagency.com

Our agency wants you to be aware of these limits so if there is a concern we can make the necessary changes to your insurance program to cover the items prior to a claim.  I don’t know why these limits are in the policies, and I don’t like that they are “hidden” in the policy, and not printed on the front coverage page.  Please take a few moments to review your own limits and call your agent if any of them could be a problem.

Our two main insurance carriers Erie Insurance and Auto-Owners Insurance for homeowner policies have these sort of limits (just like the rest) and we have pulled them out of the policy and put them in summary form so they are easy to read and understand.  Please contact us if anything on the list could be an insurance problem for you and your family.

Homeowner Limits -pdf

All home policies exclude any damage caused by flood. The only way to cover flood is
to purchase a flood policy from the National Flood Insurance Program. All home owner
insurance policies also exclude the second type of water, or water back-up. Coverage for
this type of water damage can be purchased and added back on to your home policy as an
option for extra premium. This optional coverage is usually limited to $5,000 or $10,000
depending on the insurance company. The third type of water damage is typically
covered on most regular home owner policies.

Let’ s emphasize the importance of the water back-up or sewer & drain back up damage
coverage. We feel this coverage should be considered with every home policy. Even
if you’ re on a slab, up on a hill, it doesn’ t mean you’ re not susceptible to water back-up
loss. The drains in your home can become clogged from regular use, or tree roots getting
in the drain lines. Many folks have plumbing services come out once a year to “ snake
out” or clean out their drains. Most water back up losses involves damaged carpet and
flooring which usually results in larger losses.

There is a reason insurance carriers charge extra and limit coverage for water back-up.
These types of losses occur very frequently, and are usually over $1,000.

Please don’ t short change yourself, review your home policy, and make sure it has water
back-up or sewer and drain back up coverage.

What It Is And What It Isn’t

First, what it is.  It is a liability only policy that adds a high amount of additional liability coverage to the personal auto and home policies.  In most cases it adds $1,000,000 or more of additional liability protection over the personal auto and personal liability (home) policies.  These catastrophe liability policies are very economically priced, yet offer tremendously high limits of coverage.  A person who owns one house and two autos can purchase a one million umbrella policy for as little as $120 per year.  That means for $120 per year a person has added an extra $1,000,000 of liability protection over their personal liability and auto liability coverage.  There are a few important items to note.  Some companies require that they also insure the home and autos that go “underneath” the umbrella.  Some companies require customers to increase their current liability limits before they can add the umbrella policy.

Most companies do not include un-insured motorists bodily injury with the umbrella coverage and charge extra to add this coverage.

Check with your agent about these things.

What an umbrella policy isn’t.  It does not cover property at all.  It isn’t what it sounds like; it doesn’t cover “everything else” that the other insurance policies don’t cover.  For example, if your home has a fire and you own a boat that is in the garage and it burns up, and the boat is worth $3,000 and the home policy doesn’t cover it, the umbrella policy won’t cover the boat either.  The umbrella policy does not cover any property, it is a liability policy only.

Personal umbrella or catastrophe liability policies are a crucial part of insurance protection.  Folks who own their own business are encouraged to purchase an umbrella policy.  People who have young drivers, or families who’s homes and or assets exceed their auto liability limits should consider owning an umbrella policy.  They are easy to get and very inexpensive.

This endorsement allows auto insurance policyholders to “lock in” their auto insurance premiums for longer than 12 months.  The locked in rate remains in effect year after year until the policyholder does one of the following:

*Adds or removes a vehicle from their policy

*Adds or removes a driver from their policy

*Changes their primary residence

That’s right; speeding tickets, fender benders, accidents, not even company rate changes will change the policy premiums for that policyholder unless they make one of those three changes listed above.  This gives policyholders control over their auto rates by extending Erie’s already 12 month rate.  This new endorsement can be added when one of those three changes occurs or on the policy anniversary (renewal) date.  Other discounts, such as home/car, can be added and take effect immediately as always.  Studies show that about 50% of Erie’s auto policyholders would lock in their rates for at least three years!

Contact our office for more details.

Car Insurance From Lampton/Engle Agency Beavercreek Ohio