Uncategorized

Jay Leno

04 March 2021

Once I had a gentleman on The Tonight Show who had climbed Mount Everest, which is an amazing feat that is nearly impossible for most people under the best of circumstances. But this guy was also blind. Imagine being 29,000 feet up, grabbing at snow, not knowing if it’s night or day, with the wind howling and every breath a challenge, and you can’t see anything. Anyway, he was a nice gentleman and an incredible athlete who afterward had been doing motivational speaking. I asked him how it was going and he sort of grimaced. He said the frustrating part was the meet-and-greet after, when at least one person in every audience would come up and say, “Yeah, I was going to climb Mount Everest, but, you know, the kids have soccer and work is crazy and I just haven’t gotten around to it.”

Like it was so easy except, you know, soccer practice. Here this fellow had trained his whole life to do something that maybe one out of 10 million people can do, had endured incredible hardship, and had even overcome the fact that he was blind, and people were so dismissive of it.

Maybe it’s because life has gotten pretty soft and we don’t make anything for ourselves anymore, but we’re losing respect for other people’s accomplishments and hard work, for what the human hand can do instead of just the human brain. I hear this all the time from guys who have their cars restored and who have never turned a wrench in their lives: All mechanics are crooks, they’ll overcharge you at every turn. They’ll moan about the high cost of a paint job, for example, not realizing that the paint is $600 a quart and somebody has to spend hours sanding it and finishing it because a good finish doesn’t come out of a rattle-can of Rust-Oleum.

 

Our appreciation or understanding of other people’s hard work is fading, and that rankles me. The last time I pulled a transmission out of something here at the garage, it took hours and my hands were bleeding and covered in grease, and I thought, “Some guy only makes a couple hundred bucks for doing that?” That’s why I don’t usually question a quote for something we need to get done outside the garage. Good work doesn’t seem expensive when you think about how much actual effort goes into it, and that someone needs to be able to make a living doing it or else nobody will do it. Besides, I have yet to meet anyone who is getting rich by sandblasting rusty parts or re-chroming bumpers. They’re not overcharging—in fact, they’re probably undercharging.

Well, nowadays we watch these shows where they restore a car in a weekend, literally, and it seems so easy. The sparks are flying and guys are trying to ram a big-screen TV into the dash, and after a couple of commercial breaks and some pounding music, the car is done. It gives people an unrealistic picture of what it takes to restore a car—the thousands of hours, many of which are never billed. Just the amount of research a restorer has to do, figuring out how things go together and what is supposed to be original, is huge.

These days, Amazon will drop a package on your doorstep the same day you order it, so we’re also losing touch with how long things take in the real world. A very famous country western star called me not long ago and said, “It’s my husband’s birthday, he’s always wanted a 1953 Ford F-100, a red one, and I want to get one for his birthday. Can you get me one?” I said I couldn’t promise it would be red, but I would look around. Then I asked when his birthday is. She said, “Thursday.” I said, “This is Tuesday! I’m not going to find a car in two days. It takes a while!” She didn’t get it.

Next time you’re walking a car show, before you judge some guy because his paint isn’t perfect, think about how much of the work you do yourself. Unlike everything else we buy these days, there’s nothing quick, easy, or cheap about old cars. And while few of us will ever climb Mount Everest, restoring a classic car is enough of a mountain for most people. Give them some credit.

Everything You Need to Know

You need insurance. We all do. In some cases it’s required by law, in others it’s required by the unwritten code of being a responsible adult that owns things. So, what’s the best way to buy it?

Online or with an agent? What kind of agent – independent or captive? Oh, and what does this all mean? We think life is complicated enough; your insurance doesn’t have to be.

What is an independent insurance agent?

An independent insurance agent is a trained and licensed professional that tailors programs to meet their customer’s specific needs. They can do this because they work with many insurance carriers, rather than just one. They are locally based and operate out of their own local insurance agency.

This may surprise some people, but an independent agent is a small-business owner. Agents are not an employee of the insurance companies whose products they offer.  The insurance agency is often run by a few agents and administrative staff members. Oftentimes its family owned. Another misconception is that they sell their own insurance products. They do not. Instead, they work on behalf of their customers to obtain policies from insurance companies.

Now, it’s important to point out that every insurance agency you see is not an independent agency. There are also captive/exclusive agencies that operate differently.

What’s the difference between independent insurance agents and other insurance agents?

The main difference is that independent insurance agents offer more choices than captive/exclusive insurance agents. Captive/exclusive agents offer only one insurance company’s products. This means they can only place your policy with that one company.  Independent agents, on the other hand, have options. They can place your policy with one of the several insurance companies they work with to make sure your unique needs are met.

Summary: Independent insurance agents help you find a policy with one of the several insurance companies they work with at their agency. Other, captive or exclusive, insurance agents can help you find a policy with the one insurance company they work with at their agency.

So, what’s the best way to buy insurance? If you ask us, an independent insurance agent!

 

What are the advantages?

1. Your local independent agency is your one-stop shop for all types of insurance. Since independent agents offer a variety of insurance products from several insurance companies, you are more likely to be able to handle all of your insurance needs in one place rather than trying to coordinate with businesses all over town. Most independent agencies offer life, home, car and business insurance. This means you may only need one point of contact for all your policies.
2. Local support from somebody you know. Many customers share stories about their independent agent being the first one on the scene after losing their home to a storm or fire. Agents take their job seriously, especially when their customers experience a loss. They know you personally and are ready to help when you need it most. For many agents, this is why they became insurance agents – to help people during hard times.
3. You can have the same point of contact even if you want to switch insurance providers. Let’s say you are interested in changing your insurance. When you have an independent agent, you don’t have to go back to the drawing board. Instead, you can call the same agency and they can help coordinate the switch. This means you can often stay with your same agent even if you switch insurance providers. This way you can continue to work with the person you’ve built a relationship with and who knows your needs.
4. Your independent agent knows your community, because it’s their community too. Independent agents live and work in your community, maybe even in your neighborhood. This means they personally understand the insurance needs specific to your area. This is extremely valuable since insurance requirements vary from state to state. Your local, independent agent can offer you more personalized guidance than a 1-800 number or website can.
5. Expert advice means you’ll have confidence and peace of mind. Do you really want a flashy website form and an automated formula to be what stands between you and financial distress in the event of a claim? With an independent agent, you will receive expert guidance from their experience. And, if you need to file a claim you will know whom to call. Not to mention, if you have questions about your policy you can call your agent. This beats waiting on hold for what feels like forever just to get a simple question answered.
6. You get insurance that fits your needs rather than a one-size-fits-all policy. When you call or visit an independent insurance agent, they will work with you to review several options for your insurance. This allows them to focus on finding a policy that fits your needs rather than fitting your needs into what one insurance company offers.
7. Working with a local, independent agent means you are supporting a local business. Most independent agencies are locally owned. Many agencies are owned and operated by a family from your community. So, when you call the agency to find your policy or inquire about a potential claim you are likely calling a familiar area code rather than a 1-800 number.

 

What about all those cheap and easy options I see online?

We’re not going to pretend there isn’t an option to buy insurance online, directly from other insurance companies. Because, well, there is. They like to convey that insurance can be cheap and easy. They say you can get a quote fast and get the cheapest coverage.

But, let’s take a second and ask ourselves if “cheap and easy” is how we want to describe one of the most important financial decisions we make in our adult lives? Does cheap and easy give you confidence?

Alternatively, would you find confidence in the fact that a licensed professional that knows your name has your back? The expert that you know personally did a thorough review with you when you purchased your policy. They looked it over, they know the companies and put your assets with the company they know from experience provides the coverage you need.

Call, email or drop by any of our three Aitken & Ormond locations to speak with one of our Agents. We have been serving the community since 1948 and are here to help you with your insurance needs.

 

Warm, weather, sunshine and time away. Traveling by RV or boat is a fun way to make the most of the warm Michigan spring/summer months.

Make sure you have the right insurance when heading out on the open road or water.

Boat Insurance

Marinas often request proof of insurance before allowing you to rent a dock or boat slip. Even if you don’t plan to contract with a marina, boat insurance is a wise investment in order to have sufficient protection for yourself, your passengers and your watercraft. Listing a boat on your homeowner’s policy will only provide limited coverage.

Regardless if it’s a sailboat, speedboat or other vessel, being out on the water poses unique risks such as hitting a pier, dock, buoy or other boat. Beyond collision, someone may suffer an injury, or your boat may fall victim to vandalism, fire or theft. With the proper coverage, you can be insured for medical costs, bodily injury, and property liability and damage to your boat and equipment, as well as to others. While customizing your policy to your needs, you should also go over exclusions with your insurance agent.

When discussing your boat insurance quote, be prepared to share as much information as possible about your boat usage and storage as well as descriptive information such as the age, type, length, horsepower and value.

RV Insurance

Whether you are traveling to a favorite campground or exploring a series of small towns, RVing comes with special insurance needs.

More than a vehicle, an RV is a home while you travel or may even be your permanent residence. Even the electronics within an RV differ from a typical vehicle. You may have outfitted your camper with a satellite dish and more expensive sound equipment that needs protection. When selecting RV insurance, your premium will differ if you live in your RV versus using it for trips, as full-time RVers need coverage similar to a homeowner’s policy.

Also consider the amount and types of personal property that you will be storing in your RV as you travel and speak to your agent to make sure your policy is crafted to provide the coverage you’re expecting in the event of a loss.

RV insurance should provide you with liability coverage for bodily injury and property. This covers costs if you cause damage to another vehicle or cause an injury during an accident. RV owners may also be liable for claims from guests and should make sure their policies are designed to cover injuries and property damage that occur in your RV as well as on your campsite.

Because of the amount of time spent on the road, another important feature of RV insurance is total loss replacement coverage if your RV is totaled in an accident. You might prefer a policy that provides you with the replacement value of the RV – a new, comparable RV – instead of the “actual cost” or depreciated value. (Depending on the type of boat, you should also look into this on a boat policy.)

Contact your Aitken & Ormond Insurance Agent today for more information about RV or Boat Insurance

Tips to Prepare for Severe Spring Weather

Severe Weather Awareness Week will be held March 22-28, with the Statewide Tornado Drill being conducted on March 25th at 1 p.m. We hope the tornado drill begins a broader conversation about emergency preparedness.

For the last several years Michigan has experienced significant weather situations involving flooding, thunderstorms, damaging winds and tornadoes. We at Aitken & Ormond strongly encourage folks to set aside time to review their insurance protection plan with their agent to ensure they are adequately protected if financial loss is experienced.

Flood Insurance

Flood insurance is not included in a typical homeowner’s and renter’s policy. It is instead made available by a federal program. There is a 30-day waiting period before coverage becomes effective. You should also inquire with your agent if coverage for damage caused by a sewer or drain back-up is available and appropriate to add to your policy.

Advance Insurance Planning Tips

Be sure you have adequate insurance coverage and deductibles that are reasonable for your needs. Damage caused by rain, hail, lightning and tornadoes are generally covered by a standard homeowner’s insurance policy and an auto insurance policy’s “comprehensive” or “other than collision” coverage. Call your agent or the National Flood Insurance Program (NFIP) at 888-379-9531 and visit www.floodsmart.gov to learn more about flood insurance. Include many details as you need and take photos of your possessions.

Post Storm Recovery and Insurance Tips

Call your insurance agent or company as soon as you can. Be sure your agent knows how to contact you, especially if you have to move out of your home. Take reasonable steps to prevent additional damage if permitted by public safety authorities and if you will not endanger yourself. Closely inspect your property and cars for damage. Note and photograph any damage. If required to seek temporary housing, check your homeowner’s insurance policy for “loss of use” coverage. Be sure everything is considered in your claim. Back up claims with written estimates.

How to Avoid Contractor Fraud

Obtain a list of reputable contractors from your insurance company, the Better Business Bureau or a specialized consumer organization. Contact multiple contractors and obtain more than one estimate. Do not allow a contractor to inspect your property when you are not home. If you give a contractor permission to inspect your property, personally watch them conduct the inspection.

Obtain the terms and conditions of the project in writing. Avoid signing a contract until the document is reviewed fully and/or discuss the terms of the contract with a legal representative or a trusted adviser. Pay the contractor by check or credit card, rather than in cash, and do not pay in full until all work has been finished.

You can visit Michigan’s Severe Weather Awareness Toolkit at www.michigan.gov/miready/ and download the Emergency Kit Checklist under the Plan Ahead Tab. You may contact any of our Aitken & Ormond office locations with any insurance questions or concerns.

Aggressive Driving Could Mean Compromised Coverage

Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents. Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road. It’s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn’t considered an accident but rather as having been caused by risky behavior. Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it’s best to avoid a dangerous and costly aggressive driving incident in the first place.

If you encounter an aggressive drive on the road…

Stay as far away as possible. Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away. Record a description of the car and note the license plate number if possible so that you can report him or her to the police for the sake of everyone’s safety. Do not engage with or challenge the offender in any way. Ignore the driver’s rudeness and don’t give into the temptation to react in kind or you might escalate the risky behavior. Put your safety first. If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station. Never stop and confront an aggressive driver.

If you have a short fuse yourself, stay cool and…

Leave plenty of time to get where you need to go. When you’re in a hurry, your patience is short and you are much more likely to become aggravated. Remember other drivers are not annoying you on purpose. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare. Don’t use hand—or single finger—gestures other than a wave to someone who lets you into your lane. Don’t tailgate slow drivers. Hanging on another car’s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault. Don’t honk your horn insistently. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won’t make anyone go any faster, it’s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.

Never stop to confront another driver. It could lead to a dangerous situation for all concerned.

Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business if you’re not protected with the right insurance.

Business insurance can fill in the gaps to make sure both your personal assets and your business assets are fully protected from unexpected catastrophes.

In some instances, you might be legally required to purchase certain types of business insurance.

Some states also require additional insurance. Laws requiring insurance vary by state, so visit your state’s website to find out the requirements for your business.

Six common types of business insurance

As a general rule, you should insure against things you wouldn’t be able to pay for on your own.

Here are six common kinds of business insurance to look for.

Insurance Type	Who it’s For	What it Does
General liability insurance	Any business	This coverage protects against financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments.
Product liability insurance	Businesses that manufacture, wholesale, distribute, and retail a product.	This coverage protects against financial loss as a result of a defective product that causes injury or bodily harm.
Professional liability insurance	Businesses that provide services to customers	This coverage protects against financial loss as a result of malpractice, errors, and negligence
Commercial property insurance	Businesses with a significant amount of property and physical assets.	This coverage protects your business against loss and damage of company property due to a wide variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism.
Home-based business insurance	Businesses that are run out of the owner’s personal home.	Coverage that’s added to homeowner’s insurance as a rider can offer protection for a small amount of business equipment and liability coverage for third-party injuries.
Business owner’s policy	Most small business owners, but especially home-based business owners.	A business owner’s policy is an insurance package that combines all of the typical coverage options into one bundle. They simplify the insurance buying process and can save you money.

 

Four steps to buy business insurance

Assess your risks. Think about what kind of accidents, natural disasters, or lawsuits could damage your business.

Find a reputable licensed agent. Commercial insurance agents can help you find policies that match your business needs.

Shop around. Prices and benefits can vary significantly. You should compare rates, terms, and benefits for insurance.

Re-assess every year. As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded operations, you should contact your insurance agent to discuss changes in your business and how they affect your coverage.

As always, if you have more business insurance related questions do not hesitate to contact our Aitken & Ormond Insurance offices!

A vacation from 2020 sounds like a good idea.  If you travel and rent a vehicle, do you need to purchase auto insurance from the rental car company?  The answer could be YES or NO based on the coverage you are carrying on your current policy.   The “broadest” coverage you carry on any one vehicle does carry over to a rental car.  The liability, comprehensive, medical and collision coverage do transfer to the rental car.  If you only carry no-fault liability coverages, you will want to purchase physical damage coverage from the rental car company as your policy will not protect you.

TWO important situations can occur with the rental vehicle that are likely not covered (but be sure to call and ask)

• Diminished Value or Replacement Cost – if the rental vehicle is damaged in an accident and your insurance company declares the vehicle a total loss, your policy pays “actual cash value” at the time of the accident.  The rental car company replaced the vehicle at a higher cost for a “new” car.  They can bill the difference between their actual cost and the actual cash value payment.  This figure could be hefty.
• Loss of Use – if the rental vehicle is damaged in an accident and is in the repair shop for 10 days, the rental car company can bill you for the days the vehicle sat in the garage and was not rented out.  They can bill you for those days for loss of use.

Coverages may be offered by an insurance company for an additional premium, and sometimes you can purchase them through the rental car company.  Just a good reason to call your agent and have a frank discussion.

When it comes to buying insurance, there are probably a lot of questions you have as a consumer. So what are the top questions you should ask your insurance agent? We have broken it down into the top 5 common questions an insurance agent gets asked the most.

1. Does my home insurance cover the vehicle in my garage?

NO, never.  A home insurance contract has an exclusion for all motor vehicles, except the ones used to take care of your property, such as a riding lawn mower.

2. Do I have coverage for a rental car?

The broadest coverage you carry on any ONE vehicle does transfer to a rental car.  There are two items, however, that are NOT covered; Replacement Cost Coverage and Loss of Use Coverage.  You may want to inquire with your Account Manager if this coverage is available for purchase under your auto policy OR it could possibly be purchased directly from the rental car company.

3. Do I have coverage if I lose a jewelry item?

It is rare for an insurance company to include Mysterious Disappearance coverage, so be sure to ask your Account Manager.  The majority of insurance companies require you to purchase a rider on your policy for scheduled jewelry, which provides coverage for Mysterious Disappearance.

4. If I purchase a vehicle at night or on the weekend, am I covered? 

An auto insurance contract usually includes a provision for “replacement” vehicles or “additional” vehicles.  The same coverage you currently carry would apply to the replacement or additional vehicle for a short period of time (2-4 days).  BUT BEWARE – if you do NOT have physical damage coverage on your current vehicle, you may need to speak with us prior to picking up the car. 

5. Do I have coverage for Flood?

Flood insurance is its own specific policy and contract.  Flood insurance can NOT be purchased under a home insurance policy. 

If you have more insurance related questions, or would like us to elaborate more on the top 5 questions and answers addressed above, please don’t hesitate to contact our Aitken & Ormond Insurance offices.

What does EPLI cover?

Let’s get down to the basics. EPLI covers businesses against claims by workers when their legal rights as employees of the company have been violated.

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.

EPLI provides protection against many kinds of employee lawsuits, including claims of:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee benefit plans

What is the cost?

The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI policies.

To prevent employee lawsuits, educate your managers and employees so that you minimize problems in the first place:

• Create effective hiring and screening programs to avoid discrimination in hiring.
• Post corporate policies throughout the workplace and place them in employee handbooks so policies are clear to everyone.
• Show employees what steps to take if they are the object of sexual harassment or discrimination by a supervisor. Make sure supervisors know where the company stands on what behaviors are not permissible.
• Document everything that occurs and the steps your company is taking to prevent and solve employee disputes.

If you would like more information about EPLI insurance, please contact our Aitken & Ormond Insurance offices and one of our sales agent would be happy to discuss coverage options with you for your specific business.

Content Credit: Insurance Information Institute 

If this past year has taught us anything, it’s that life is filled with changes.  We understand your insurance agent might be the last person you think about when making life changes, but your insurance can be affected by nearly every big thing and plenty of seemingly small things that happen in your life.  When life “happens” reach out to us. A simple phone call can be the difference between paying more, saving money or not being insured correctly.

Here are some reasons to call your insurance agent:

1. Changes in home occupancy.

If you move out but do not sell your home, you may need a landlord policy on your current home and a renter’s policy on your new home.  If you are not renting your home out and the home will be vacant, your insurance agent needs to know that too.  We will also need a new address for your auto policy.  If you purchase a second home or a vacation home, reach out to us so that we can help you place coverage on your new home purchase.

2. You decide to work from home.

Most homeowner’s insurance policies limit or exclude business property and liability coverage if you work from home.   If you decide to start a new home-based business, give us a call and we can set you up with a basic business owner’s policy.  Also, working from home can have an impact on your car insurance if the amount you drive changes significantly.

3. You are buying or selling a car.

If you are looking to add or remove a car from your household give us a call and we can advise you on how these changes will affect your premium.  Also, if you drive a company car be sure to mention it to your agent.  There are discounts and coverages that can be added to your policy for when you use that car outside of work.

4. Changes in cohabitation.

You might need to make changes to your home insurance policy if those you live with change.  Household changes also have an impact on your auto insurance.  If you are getting married or divorced, have become a recent empty nester, lost a family member, or have young adults living at college please reach out to us so that we can ensure coverage is correct.  If you welcomed a new baby into the family make sure to give us a call to discuss life insurance.

5. You pay your car or home off.

If your mortgage company or lender for your home or auto changes, please reach out to us.  We can make those changes quickly and efficiently. No more mortgage… that is a discount!

6. You have a new driver in the household.

Did your teenager recently pass their road test?  You are required to call your insurance agent when you have a new licensed driver in the household.   Teens are not automatically covered because they live in the house.  They must be added to the policy as a driver.   Many companies have several new programs for teen drivers that can help reduce the cost of insuring a new driver.  Some of the discounts available are the good student discount, defensive driving course discount, and parent or company monitoring programs.  These discounts can save up to 40% on insuring a young driver.

7. Thinking of buying….

Are you thinking of buying a dog?  Call your insurance agent and ask if that particular dog is an allowed and covered breed.  Some insurance companies will not cover certain breeds of dogs so it’s important to check before you bring your new furry friend home.   Considering a pool to cool off in this summer?  Please call us first. We can recommend the correct coverage to cover both your new pool and the increased liability a pool can bring to your home.   Is a trampoline being delivered to your back yard?  Just like the pool, a trampoline can bring hours of entertainment but also should be something that you ask your agent about.  Most companies will insure a home with a trampoline but some have certain requirements that have to be followed for coverage to be effective.

8. Change in health insurance plan.

Your Personal Injury Protection coverage (medical coverage on your auto insurance) can be affected by a change in health insurance. Be sure to always call your agent when this occurs.

9. Remodeling and home improvement.

Significant remodeling or upgrades to your home will likely require a change in your home insurance dwelling coverage amount.  Reach out to us so that we can make sure that your new upgrades are fully covered.   Also, if you replace your roof or your furnace remember to call us.  Those upgrades can be big discounts.  Finally, if you have a new monitored alarm installed at your home simply send us the alarm certificate and we can make sure that you receive the discount.

10. New valuable property.

If you purchase valuables such as jewelry, antiques, art, silverware, furs, guns, gold, or other high value items you might need special personal property coverage.  Call us… we can set you up with the correct policy to cover your most precious property at home and while you are away.

There are so many normal life circumstances that can impact your insurance coverage.  Remember to call your insurance agent to report any new changes in your life.  Your insurance agent would be more than happy to take your call and explain what these changes mean for your insurance coverage.

At Aitken & Ormond Insurance, we are here to help you find the right combination of coverage, price, and service.

Written by: Renee Mason Sherry