Safeco Auto Insurance Optimum Package

Safeco Auto Insurance Optimum Package

Safeco Auto Insurance Optimum Package Optimize the value of your Safeco Auto Insurance policy with enhanced policy options. If you think all auto insurance policies are the same, you should take a closer look. Most insurance policies provide basic protection for injuries and liability auto insurance. Many people want added car insurance protection to get the most out of their car insurance coverage in Louisville Safeco has bundled eight valuable coverages in the Safeco Optimum Package™ to reward safe driving and provide extra protection for emergencies, repairs and personal property. Together, these options offer unparalleled peace of mind for today’s driver. THE SAFECO OPTIMUM PACKAGE INCLUDES:* Diminishing Deductible to reduce your collision deductible by $50 for every six months you are claim-free for up to five years, or $500. This coverage actually rewards you for your safe driving while insured with Safeco. Electronic Lock/Key Replacement Deductible Waiver to replace electronic keys or electronic remote controls if they are lost or stolen, without applying your deductible. Emergency Expenses to pay up to $200 for emergency transportation, meals and lodging in the event of an accident away from home; or up to $1,000 if more than 25 miles from home. Non-owned Trailer Coverage to cover trailers you may rent or borrow for moving or hauling items, up to $3,000. Personal Property Coverage to pay up to $1,000 for loss of items in your car due to theft. Uninsured Motorist Property Damage Deductible Waiver to waive the deductible applied to repair damage caused to your vehicle by an uninsured driver. Waiver of Adjustment for Depreciation or Betterment to pay for new parts on those items that often wear-out (e.g. tires, brake pads, etc.) when damaged in a...

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Contact Information 502-245-3625

Contact Information 502-245-3625

Our main phone number continues to be 502-245-3625. Over the next few days we are in the process of updating our phone lines. As a result, we may experience technical difficulties with our main phone line. You can also reach us by phone at 502-565-4015 or 502-365-5132. Our Fax number is 502-365-5132 for Dick Watts Insurance Inc, 12200 Shelbyville Road 112, Louisville KY 40243  

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Home Insurance Protecting your most valuable asset

Home Insurance Protecting your most valuable asset

Home Insurance Protecting your most valuable asset Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed. you need your claim settled by an insurance company that understands this simple fact. Dick Watts Insurance can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. Insurance for All Kinds of Homes in Louisville Kentucky Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!   Louisville KY – What you need to know about homeowners insurance Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.   Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Every insurance po Home Insurance Protecting your most valuable asset Dick Watts Insurance  is here to help you find the right insurance for your home Whether you’re a home or condo owner, a renter, or a landlord, Dick Watts Insurance  will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.   Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:   What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy. How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Home Insurance Protecting your most valuable asset The Right Coverage. The...

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Find the Best Cheap Car Insurance

Find the Best Cheap Car Insurance

Find the Best Cheap Car Insurance Find the Best Cheap Car Insurance –  Whether you are buying Liability Insurance only  or full coverage car insurance (comprehensive and collision insurance) . The thought of cheap car insurance is enticing. And there is no better way to find the best deal on insurance by shopping and comparing rates with your local independent insurance agent, Dick Watts Insurance 12200 Shelbyville Road, 112, Louisville, KY 40243 (502) 245- 3625  Middletown Kentucky . We did a car insurance comparison with many car insurance companies in Louisville. We found insurance rates for Safe auto drivers and drivers with no incidents in five years.  We work with some of the largest insurance companies that have been A rated by AM Best. Why you should consider smaller insurers for comparing auto insurance rates.  We have tips to help all drivers save Cheapest car insurance in the state.  Car Insurance rates amount the 5 best insurance companies.  We work with Progressive Insurance, Hartford Insurance, Safeco Insurance, and Travelers Insurance  Many of the insurance companies offer the cheapest car insurance quotes state wide.   Find the Best Cheap Car Insurance There are many opportunities to save by on the Best Cheap Car Insurance by insuring multiple vehicles, driving a car with airbags, always wearing seat belts and taking advantage of other car insurance discounts.  Get a car insurance quote from the four  of the largest car insurance companies. The good news is drivers have ample opportunity to trim their car insurance costs, especially if they have a clean driving record and they are safe auto drivers.  Many of the insurance companies we work with are the nation’s leading car insurance providers in terms of market share, offering a vast array of insurance products.   With many of the auto insurance companies you can manage your policy online and receive a  5% paperless discount.  Another way to save on car insurance like bundling home and auto insurance together to qualify for insurance discounts and by insuring multiple  cars.  In order to Find the Best Cheap Car Insurance call us for an auto insurance quote Dick Watts Insurance 12200 Shelbyville Road 112 Louisville KY 40243 502-245-3625 Middletown KY . Many of the auto insurance companies offer price breaks for safe driving, including savings once you have gone accident free and violation free for three to five years. COMPARE  Car Insurance quotes .   Find the Best Cheap Car Insurance Many of the auto insurance companies offer several discounts to help you save more including for going more then 5 years with a clean driving record. Insurance companies will ask you to estimate your annual mileage when getting a quote, so they can...

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Contractors General Liability Insurance

Contractors General Liability Insurance

Contractors General Liability Insurance General Liability Insurance General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but general liability insurance also is available to many contractors as standalone coverage through the Commercial General Liability Coverage  Insurance. Contractors General Liability Insurance Who Needs General Liability Insurance? As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance. Some employers might also require you to carry a certain amount of general liability insurance before you can work for them. Contractors General Liability Insurance General Liability Insurance for Contractors If you’re a contractor, we understand you might only need general liability insurance – not a BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks in your job. You might be eligible to get general liability insurance, without the extra coverages in a BOP. We can now offer coverage for all of the following Risks   Apartments Artisan Contractors   Drywall  Plumbing Heating Cooling Painting Pressure Washing Assisted Living Facilities Auto Physical Damage Aviation Beauty and Barber Shops Boats/Marinas Cargo D&O  Non Profit Day Care Centers E & O Lessors Risk EPLI Flood Insurance Habitational Properties Home Health Care Home Inspectors Homeowners Insurance Inland Marine Liquor Liability Medical Malpractice Monoline Wind Coverage Insurance Personal Umbrella Insurance Commercial Umbrella Insurance Restaurants Bars Taverns Roofers  Residential Roofers Commercial Special Events Insurance Vacant Dwellings Vacant Homes Vacant Commercial Buildings Vacant Commercial Leased Spaces   Call Mike Watts at Dick Watts Insurance today for a Free Insurance Quote for Contractors Liability Insurance and Commercial Auto Insurance 502-245-3625...

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Builders Risk Insurance

Builders Risk Insurance

Builders Risk Insurance Business Insurance Builders Risk Insurance Developers, Builders, Contractors take on big risks every day.  Necessary risks come with the territory when you are creating real structures from ideas and plans. But why take on unnecessary risk? Smart Builders and contractors insure their buildings under construction with appropriate builders risk insurance. Builders Risk Insurance Builders Losses can add up quickly. Billions of dollars in losses Commercial property losses caused by wind and thunderstorms $30 billion 2011 Property Damage caused by Fires $14.8 billion Estimated insured property losses caused by US Catastrophes 2012 $35 billion   Builders Risk Insurance What is builders Risk Insurance Builders risk insurance also called course of construction insurance is a type of property coverage for buildings under construction, as well as all of the materials and equipment used in the project.  You will typically need to purchase coverage for 100% of the anticipated construction costs.  The coverage can be especially important if you are working with materials that are prone to damage. Or if you are working in an area prone to Storm Damage like Louisville KY . Your Builders Risk Insurance Covers :  Your policy can be structured to cover the following ( Every insurance policy is different, consult your own policy for specific coverage, this is an example only) Property Damage : Includes construction material, heavy machinery equipment temporary structures fencing scaffolding construction signs. Theft:   Some builders risk insurance policies will cover theft of building materials (for an additional premium)  You may need a gated job site to qualify for this coverage. Labor Costs and earned profit: Perils of nature and man made disasters Some coverage  will be part of a basic policy and other items will need to be added for an additional premium. You should carefully review coverage before buying the policy. Dick Watts Insurance can help you create a customized insurance policy. As an independent insurance agent, we can give you access to multiple companies and policies.   What is Excluded from the Builders Risk Insurance Note that these policies do not cover accidents and injuris at the workplace or liability risks. They will also  exclude certain acts of nature such as earthquakes and floods. How long does the insurance Last? How much does it cost? Normally  the builders risk insurance lasts three, six, or 12 months, and you can usually extend the term at least once if the building is not completed. The builders risk insurance ends when the building is completed or occupied.  A builders risk policy will normally cost one to three percent of the total construction budget, depending on the insurance coverage and insurance company.  Dick Watts Insurance Independent Insurance Agent can help you...

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