Does renters insurance have exclusions?

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Flowood, MS is a family-centered community that offers a high quality of living. It is a small city in the greater Jackson metropolitan area. Rentals here are trendy and offer great amenities. One thing that these lovely rentals don’t come with is rental insurance. You may think the management company has insurance, and yes, they probably do, but it won’t help you. It only protects what belongs to the owner, not the tenants. With over 50 years of experience, Insurance Protection Specialists offers their customers a partnership as you deal with the unexpected events that life throws at you. 

Renters insurance offers some very valuable coverage at a very affordable price and is well worth investing in. It protects your personal property, gives you liability coverage and loss of use coverage. 

Personal property

Your landlord has insurance that protects the building you live in. Everything that you moved into the rental is your personal property. It may be appliances, decor, furniture, and certainly your clothing. All of these are your personal property. If a covered peril damages or destroys your rental, you could lose all of it.   

Liability

Things happen. Not all of them are good. If someone is visiting your rental and is injured, you could be held liable for their medical bills, and they may decide to sue you. No one likes to think about having a judgment against them, but it would be awful if you had to pay for it yourself without insurance. 

Loss of use

If your rental is damaged so badly you can’t live there, renters insurance will help pay for your lodging until you can move back home. 

If you have seen the value of having rentals insurance and would like to discuss it with an insurance expert at Insurance Protection Specialists in Flowood, MS, our team is here to help you.

Why basic motorcycle insurance policies may not be enough for Mississippi riders

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Motorcycle owners throughout the Flowood, MS area rely on Insurance Protection Specialists for their motorcycle insurance needs. If you are a seasoned rider or are just getting started, it’s important to have the right insurance coverage that meets your needs. While a basic policy is a good first step, it may not give you the necessary coverage. Our team is here to help you find the policy that is adequate for your protection needs.

Why a basic motorcycle insurance policy is often inadequate

Mississippi has minimum insurance coverage amounts for motorcycles that must be in place before you take your bike out on the road. In addition to these policy coverage levels, many bikers choose to carry a more robust policy. If you want the peace of mind that comes with knowing you have the protection you need, it’s time to look at more comprehensive motorcycle insurance policies.

Two sought after coverage options are increased medical protection and protection from damage and theft of your motorcycle. Often, these two coverage areas are not as robust in basic policies as some owners want. Whatever the motivation for seeking increased protection, there is likely a policy that has the protection you want. Why worry about potentially covering excess accident-related expenses if you can put a complete motorcycle policy in place?

Increased coverage levels are another way to boost your protection. Remember that the state-mandated levels are simply minimums, and your needs may be higher than the requirement. 

Flowood, MS area riders have the team at Insurance Protection Specialists to help them with their insurance needs. If you are a motorcycle owner who wants to make sure that you have the coverage you need, call or stop by today!

Congrats to our Referral Partner of the Month!

Posted on by Heather Lee

Congratulations to IPS client Robin Howard, our Referral Partner of the Month. Robin was one of many clients who referred friends to IPS for free quotes last month; she chose Delta Streets Academy as her non-profit to receive a $100 donation from IPS. Delta Streets is an all-male private Christian school that serves at-risk youth in Greenwood and was founded by T-Mac Howard, a Northwest Rankin graduate. IPS Agent Dina Stubbs is Robin’s account manager.

$3,000 Awarded to ShowerPower of MS from Safeco/Liberty Mutual

Posted on by Heather Lee

IPS Agent Clancy Walker presented a check for $3,000 from Safeco/Liberty Mutual to Teresa Byrd Renkenberger of ShowerPower MS. Shower Power will use these funds to renovate their building to accommodate a washer and dryer for their ministry. Thank you again to all our clients and friends who voted for us and made this presentation possible!

Congratulations to IPS Agent Clancy Walker who received the Agent of Change Award from Safeco and Liberty Mutual for her work with ShowerPower MS. Clancy nominated ShowerPower to the Change Agents Fighting Homelessness contest for their work in serving the homeless in Jackson. When ShowerPower was named a national finalist, Clancy led an ad campaign that resulted in the non-profit winning first place and $3,000 for their ministry. Good job, Clancy! #AgentsOfChange #showerpower

Three things to do before you purchase a boat insurance policy

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It’s vital to purchase boat insurance to protect the investment you make in your boat. We can help you find coverage for your boat in Flowood, MS at Insurance Protection Specialists. 

The following are three things to do before you purchase a boat insurance policy.

Find out what types of coverage you need.

Before you purchase any insurance policy, it’s crucial to explore coverage types and to determine what your coverage needs are. Your coverage needs to depend on factors like the value of your boat, the kind of boat you own, and the areas where you use your boat.

Make sure you explore all these factors to find a boat insurance policy closely tailored to your unique needs. 

Get a few quotes

Whenever you purchase a boat insurance policy, you should shop around. Get quotes from multiple insurance providers before selecting one. This allows you to evaluate your options and make an informed decision on which policy you choose. 

Carefully research policy details

Don’t overlook the fine print. Consumers purchase insurance policies too often that they don’t research enough and don’t understand fully. Read through your policy details. Make sure you ask a representative from your insurance provider any questions you have regarding your policy.

Don’t purchase any boat insurance policy until you’re sure that you fully understand both its coverage offerings and its limitations. This will save you from unpleasant surprises if you have to file a claim down the road. 

Putting careful research and consideration into your selection of a boat insurance policy is important. We can help with that at Insurance Protection Specialists. Contact us if you’re looking for an appropriate boat insurance option in Flowood, MS. 

Choose Umbrella Insurance for Peace of Mind

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There are many ways to have peace of mind, and choosing the right insurance policy is a big part of that. Even if you have adequate coverage already, some policies don’t go as high as you’d like with their coverage amounts. It’s possible to add to the feeling of security with umbrella insurance. At Insurance Protection Specialists, we want to help customers in the Flowood, MS area add to their coverage levels for additional safety and support. You don’t need to settle for insurance that might not honestly give you the right level of protection when you have us on your side. Our agents are dedicated to finding you the coverage that’s going to fit your needs and goals.

Getting additional insurance isn’t just for people with significant levels of assets. It can also be for those who have businesses, families, or want to be sure they’re protected the right way for their lifestyle and plans. If you’re not sure whether this kind of additional protection would be right for you, it’s time to talk to professionals who can help you make that decision. The more information you have about insurance products and the levels of coverage they provide, the easier it will be for you to select one or more that are going to work for you and leave you feeling comfortable with your choices.

Reach out to us at Insurance Protection Specialists today and let’s talk about an umbrella insurance policy. If you’re in the Flowood, MS area, we can help you make policy choices you’ll feel good about. Our agents understand that you have questions, and we want to provide you with answers so you can make an informed decision. Then you’ll truly have peace of mind, and know that the coverage you’ve chosen is going to protect what matters to you.

Variables To Consider When Researching RV Insurance Policies

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Based out of Flowood, MS, Insurance Protection Specialists is an independent insurance agency ready to help travelers. We have established meaningful relationships with over 20 different insurance carriers, helping us to assist our clients in a variety of ways. We understand that each of our clients has a unique situation. That’s why we are committed to helping them find the right insurance coverage.

RV Insurance Options

Having a recreational vehicle allows you to travel while also enjoying the natural comfort of being at home. In order to properly secure your vehicle and your home, consider RV insurance. Here are some variables to consider while researching different policies.

Additional Coverage

While your policy will cover your RV if you are involved in an accident or the vehicle is vandalized, you may need to add extra coverage to protect you in some instances of theft. The policy will likely cover your furniture and appliances if they are stolen. However, if you have any luxury items like paintings, you may need additional coverage.

Liability Insurance

Liability insurance covers you in the event that you may be held at fault for an accident or if someone, unfortunately, gets injured while visiting your RV. This is important coverage to have because you never know what can happen in the future, so it’s good to have protection.

Comprehensive coverage

As you research comprehensive coverage for your RV, remember that you will be in your vehicle all the time. That means that you have to consider the areas where you store your RV while you are resting. Make sure that you also plan for a scenario when you may need emergency lodging while your RV is being repaired.

Insurance Protection Specialists Can Help

For more information on RV insurance, visit our office in Flowood, MS. We will sit down and go through the process of helping you find the coverage that you need.

Do Flowood Residents Need Flood Insurance?

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Storms in Flowood, MS are inevitable. But every time the weather takes a turn for the worse, do you know how your home will react to the pressure of the water? If you’re wondering if all property owners need flood insurance in your area, speaking with an agent can give you better insight into the necessity and benefits. Insurance Protection Specialists is pleased to serve the people of Mississippi when it comes to keeping their properties safe from flooding. 

The Rules and Requirements 

When it comes to city regulations, you are not required to purchase flood insurance. This can initially sound like great news to residents, especially those who are trying to conserve their budgets. But failing to have this kind of protection doesn’t always mean that you save money. 

The Expense of Water Damage 

Water damage is a particularly costly type of damage to deal with. No matter how large or small your property is, it doesn’t take much water to ruin the interior or even contribute to dangerous mold. While you can certainly improve your property in an effort to make it more stable against the water, flood insurance may be the only recourse you have if you have to pay for water damage in Flowood, MS. 

The staff at Insurance Protection Specialists understands that flood insurance can be a complicated policy to buy, especially if you’re unclear as to what it covers and why you need it. If you have questions about how flood insurance works, we’re here to give you all the tips you need to make a better decision for your property. Contact us today to find out how your current policy can be strengthened with the help of flood insurance. 

Life Insurance: Is It Worth Getting?

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Many people consider life insurance a luxury and wonder whether life insurance is worth getting? The answer to this question depends on what is important to them. Insurance Protection Specialists from Flowood, MS created a list of reasons for buying life insurance, which helps to understand why it is vital today. 

Protecting Your Family

If you have family members depending on your income, they can lose everything if something happens to you. Moreover, they will be left with debts they might not be financially able to pay off, including mortgage, car loans, and credit card debts. If your family is the main priority to you, then life insurance is a necessity that is worth getting

Taking Care of Your Business

If you are a business owner who is concerned about the future of his business, then life insurance is a great option to protect it. If you have life insurance, then your business partner will be able to buy your portion of the business from your heirs without any hassle. 

Having Peace of Mind

Unfortunately, death is unavoidable, and the future is unpredictable. If you want to have peace of mind and not have to question yourself about what will happen to your beloved ones after your death, then life insurance is the solution. By having a life insurance policy, you will know that you have done all you can to help your family to tide over challenging times. 

If you are shopping for life insurance and need more information about available options, Insurance Protection Specialists from Flowood, MS are ready to help and answer all your questions. Give us a call today to discuss the policy that best fits your family’s and your personal needs. 

Covid 19 UMMC Acute Respiratory Unit Fed by IPS on Tuesday, April 21, 2020

Posted on by Bubba Howell

Thank you to IPS client Mike McIntyre of Which Wich in Flowood for delivering the boxed lunches IPS purchased for the medical staff in the Covid 19 Acute Respiratory Unit at UMMC today.

Thanks also to our many clients who made this possible through their referrals. Every time we receive a request for quotes on insurance from someone who has been referred to us by a client, IPS donates $10 to a group that benefits our community.

Thanks to our clients, IPS has donated thousands of dollars to groups such as Junior Auxiliary of Rankin County, JDRF of Mississippi, Make A Wish MS, Joni and Friends, and Rescue Revolution. And thanks to our clients’ referrals, we are proud to provide lunch every Tuesday for the next month for our front line heroes in this crisis.

Thank you all!