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Verne Hart Insurance Blog

View the latest blog posts from Verne Hart Insurance.

A deductible is the amount you are required to pay out of pocket when filing an insurance claim. You probably talked about them when you first bought your insurance coverage. But if you don’t review your insurance annually, the next time you even hear the word “deductible” could be months or even years later when you’re filing a claim. READ MORE >>

After a car accident, you have enough things to worry about. Getting to work the next day shouldn’t be one of them. We’ve all been there—and arranging alternate transportation while your vehicle is in a repair shop can be a hassle. READ MORE >>

   From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and certification company UL (Underwriters Laboratories). READ MORE >>

We understand that home repairs can be costly and unexpected. That’s why we offer the Equipment Breakdown Endorsement for select Homeowners policyholders. While homeowner’s insurance and extended warranties do offer a sense of security and protection, they are primarily for damage due to catastrophic events. READ MORE >>

One of the most anticipated rites of passage for teenagers is obtaining a driver's license. But this exciting life event also presents many risks for teens — and even more worries for parents. Especially when you consider that motor vehicle crashes are the leading cause of death among 15 to 20-year-olds. READ MORE >>

With ridesharing services like Uber and Lyft, now anyone with a smartphone can become a driver for hire where, instead of flagging down the car like a passing taxi, customers use a mobile app to request and pay for a ride. But here’s the catch. READ MORE >>

There’s nothing like carving a pumpkin to get into the Halloween mood. But if you don’t do it safely, you might spend time in an emergency room instead of out trick-or-treating with the rest of the witches, ghosts, and goblins. READ MORE >>

Knowing that today’s homes burn faster than ever, the National Fire Protection Association (NFPA) announced “Every Second Counts: Plan Two Ways Out” as the official theme for this year’s Fire Prevention Week campaign, October 8-14, 2017. 2 minutes to escape  READ MORE >>

Data breaches are becoming more and more common. With over a billion records exposed since 2005, it’s likely that — if it hasn’t happened already — you’ll eventually rip open a letter to find that your data has been compromised and your personal information is at risk. READ MORE >>

As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself. READ MORE >>

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