Insurance for College Students in Bremerton, WA

Educating Your Child About Insurance Before They Leave For College

/in , , , , , , , /by

Insurance for College Students in Bremerton, WAAttending college is an exciting time for your child. Whether it’s deciding where to go, what to major in or figuring the finances, there are a lot of decisions to think about. Before your child leaves the nest, here are three things to consider when it comes to having the right insurance policy.

1.) Auto Insurance Policy

  • If they are taking their car to college, be sure to update their auto insurance policy. This can easily be taken care of by reaching out to your insurance agent! You’ll want to ensure your child is protected if they get into an accident or experience theft. If your child is attending college out of state, talk with us to see if anything changes on their auto insurance policy.
  • Not taking a car? We suggest still keeping them on your auto insurance policy if they plan to drive when they return home for a visit or in the event they need to borrow a friend’s car on campus.
  • Ask for discounts. See if your child qualifies for any additional discounts.
    • Discounts may include:
      • Good student discount
      • Distant-student discount.
      • Pay in full discount
      • Safe driver discount
      • Data tracking discount

2.) Educate On Liability

College is an amazing social and learning experience. Be sure your child understands the serious consequences of drinking and driving, buying alcohol for kids underage or the other risks that are associated with drugs and alcohol. One poor decision could impact the rest of their life.

3.) If worried about theft while living off-campus, invest in a renters insurance policy.

  • If your child owns valuable items like laptops, televisions, printers, cameras or other expensive items, invest in a renters insurance policy.
  • Construct a full inventory of your child’s items that include model and serial numbers.
  • If your child is living with roommates, remember each child needs their own policy.
  • A renters insurance policy offers more than just covering your property. It can provide important liability coverage.

If my child experiences theft, will I be fully reimbursed?

This is where actual cash value and replacement insurance coverage comes into play. Replacement cost is very simple: It is literally the cost to replace your item with an item of similar quality. Replacement cost policies tend to be a bit more expensive since you are essential getting a brand new item for one that may have otherwise depreciated. Actual cash value is the cost to replace the item minus any depreciation. So, if your child had wear and tear on an expensive electronic device, your insurance would pay out the cost of the electronic minus the depreciation. Talk to your agent for clarification.

Whether it’s changing your child’s auto insurance or investing in renters insurance, let our local experts at H&K Insurance Agency help you find the best insurance to fit your needs. For more information about H&K Insurance Agency, visit our website.

Home Safety in Bremerton, WA

How to Prevent Foodborne Illness in Your Home

/in , , /by

Home Safety in Bremerton, WAAccording to the Centers of Disease Control and Prevention, roughly 48 million Americans get sick from foodborne illness every year. A foodborne illness occurs when you consume contaminated food or beverages. It’s important to understand how to prevent foodborne illness in your home. There are also a few things to keep in mind when grocery shopping.

At the Grocery Store

  • Always place raw meat, poultry and seafood in plastic bags. This helps prevent any of their juices from dripping onto other items in your cart. If possible, store your meat, poultry or seafood in a specific section of your cart, like a bottom rack or front area.
  • Check your packaging before buying. If you are buying canned goods, don’t buy a can that has been dented or is bulging. There is a chance it could be contaminated if it’s lost its seal. For other packaging, don’t buy it if it has torn edges, ice crystals or has been opened.
  • Be aware of how long you are keeping your groceries in your car. Food safety experts say you have a 2 hour window of time between when you pick out your groceries at the store to when you put them away in your home. If the outdoor weather is hot (90 degrees or hotter), you have roughly one hour. Always store your groceries in an air conditioned car vs. a trunk. If you have a long drive ahead of you, consider bringing along a cooler for perishable items.

At Home

  • Do not keep cooked food at room temperature for more than 2 hours. Instead, refrigerate your cooked and perishable foods promptly.
  • Wash your hands for at least 20 seconds thoroughly with soap after handling raw meat. It’s good to practice sanitizing your kitchen surfaces before handling raw meat too.
  • Always use separate serving platters & kitchen utensils. You would never want to place your cooked meat on the same plate used for raw meat. Same goes for your utensils.
  • Be aware of your refrigerator temperature. If your temperature goes about 40° F, there is a chance bacteria can start to form.

Understanding proper food handling is crucial for foodborne illness prevention! Knowledge is the first step to keeping yourself, as well as your friends and family members, healthy. For more information, visit the Center for Disease Control and Prevention.

If you have questions about your insurance, call the insurance agents at H&K Insurance Agency. H&K Agency Inc. is a no-fee independent insurance agent specializing in property and vehicle insurance designed to fit your needs. We represent a variety of top insurance companies in Washington State who offer terrific coverage at the best prices.  Our services are available throughout Port Orchard WA, Bremerton WA, Silverdale WA, and the surrounding areas. For all of your personal insurance needs, give our knowledgeable agents a call at (360) 377-7645.

Teen Driver Insurance Policy in Bremerton, WA

When to Add a Teen Driver to Your Insurance Policy

/in , , , , , /by

Teen Driver Insurance Policy in Bremerton, WAFor your teen, learning how to drive is one of the most exciting times of their lives. Finally, a means to freedom so they think. We all remember the excitement of getting our driver’s permit, then our driver’s license. While your teen driving has its benefits, it also comes with a great amount of responsibility. Reminding your child that driving is a privilege and not a right can help them to remain in control and not distracted while driving.

For you, it is important to understand when to add your teen driver to your insurance policy.  While each state requirements vary, in most cases your auto insurance policy will cover your permitted driver until they acquire their driver’s license. At that point, you’ll want to add them as a driver to the insurance policy even if they do not have their own vehicle.

Avoiding adding your teen driver to the policy is not only against your insurance policy language, but can lead to a dreaded claims denial if your teen is involved in an accident and it is determined you purposefully avoided adding them. Be sure to contact your agent to discuss your options and determine when the best time to add the driver to your policy is.

Some things to keep in mind:

  • Some carriers offer Good Student Discounts if your student keeps their grades up.
  • If your teen child is doing delivery as a job such as pizza delivery or newspapers, this requires a special commercial policy.
  • Even if your rates go up because your child is on your insurance policy, if they have their own vehicle this could net you a multi-vehicle discount on your policy.
  • Having your teen on their own policy will likely lead to higher premiums.

Keeping your teen safe on the road is your number one priority. Keeping your family insured with the right coverage is ours. If you have a teen driver in the household, be sure to contact our agency to discuss what options might be right for your situation.

If you have questions about your auto insurance, call the insurance agents at H&K Insurance Agency. H&K Agency Inc. is a no-fee independent insurance agent specializing in property and vehicle insurance designed to fit your needs. We represent a variety of top insurance companies in Washington State who offer terrific coverage at the best prices.  Our services are available throughout Port Orchard WA, Bremerton WA, Silverdale WA, and the surrounding areas. For all of your personal insurance needs, give our knowledgeable agents a call at (360) 377-7645.