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Nettleton, MS 38858

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Can I Purchase a New Health Insurance Policy If I Am Currently Pregnant?

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Sprout Insurance, serving the greater Nettleton, MS area, can help our customers obtain many different types of insurance, including health insurance. One of the questions that we are often asked is whether you can purchase a new health insurance policy if you are currently pregnant. Here is the answer to that question. 

Is Pregnancy Considered a Pre-Existing Health Condition? 

Pregnancy is considered to be a pre-existing health condition. As such, if you are applying for a new health insurance policy and they ask if you have any pre-existing health conditions, you have to disclose the fact that you are pregnant. If you do not disclose this information, the pre-existing health condition, in this case, pregnancy, may not be covered by the new health insurance policy you cover. This can leave you on the hook for a lot of medical expenses, so it is important you disclose this information if asked.  If the policy does not ask about pre-existing health conditions, you do not have to disclose this information. 

Can I Purchase a New Health Insurance Policy If I Am Currently Pregnant?

You can purchase a new health insurance policy if you are currently pregnant. If you are looking to purchase a policy from the health insurance marketplace, pre-existing health conditions cannot prevent you from getting a new policy. Additionally, many private insurers will still cover you even if you are pregnant, though they may charge you a higher rate due to the pre-existing condition. 

Give Us A Call

If you are looking for a new health insurance policy in the greater Nettleton, MS region, Sprout Insurance can help you find the plan that is ideal for you. Call or email us today to learn how to get started. 

5 Common Mistakes People Make When Buying Auto Insurance

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It’s easy to see why people would make mistakes when buying auto insurance – there are so many options and variables to consider. However, if you’re not careful, these mistakes can end up costing you a lot of money. Sprout Insurance in Nettleton, MS offers this guide in navigating this important coverage. 

Here are five of the most common mistakes people make when buying auto insurance:

1. Not Understanding the Coverages

Unfortunately, most people only focus on liability insurance when they’re shopping for auto insurance. Liability insurance is important, but it’s only a small part of the coverage you need. Make sure you understand all the coverages available to you and choose the ones that are right for your needs.

2. Buying the Minimum Coverage

Another common mistake people make is buying the minimum amount of coverage required by their state. While this may save you some money on your premium, it’s not always the best idea.

3. Not Shopping Around

When it comes to auto insurance, there is no one-size-fits-all policy. Every company has different rates and coverages, so it’s important to shop around and compare policies before you purchase. Don’t just go with the first company you come across – get quotes from several companies and compare them side by side.

4. Not Reading the Fine Print

Once you’ve found a policy you like, it’s important to read the fine print before you purchase. Make sure you understand all of the coverages and exclusions in your policy. If there’s something you’re not clear on, don’t hesitate to ask questions. The last thing you want is to be surprised by something in your policy after it’s too late.

5. Not Reviewing Your Policy Regularly

Your auto insurance needs can change over time, so it’s important to review your policy regularly. If you’ve purchased a new car, you’ll need to ensure your coverage limits are high enough to protect it.

Get Auto Insurance in Nettleton, MS

When shopping for auto insurance, it’s important to avoid making these common mistakes. Sprout Insurance can help you find the right policy for your needs. Contact us today for a free quote.

Why your home-based business needs commercial insurance

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Home-based businesses have been growing in popularity for many years. They are even more popular today. Not having to pay rent or a mortgage for your business location is one very important reason for its popularity.  At Sprout Insurance in Nettleton, MS we have a team of insurance experts who are dedicated to providing the best possible customer service. We work for our customers, and we can provide more choices since we can deal with multiple carriers.  

Why your home-based business needs commercial insurance

Property insurance

When your business is located in your home, you may believe that your home insurance provides all the protection you need. While home insurance may provide some coverage for your business, it is not designed to cover the items you need to do business. Most business property will not easily be mistaken for personal property that you would have in your home. This will leave you with inadequate coverage in the event a hazard hits. 

Liability coverage

Home insurance does have liability coverage that will protect you if you get into a situation where someone is injured at your home or by a member of your family. However, if you have the sort of business where customers or clients will visit you at your home-based business, you can’t count on your personal home insurance to protect you if someone is injured. Home insurance won’t cover anyone visiting you for reasons of business who is injured, or if your business is sued.   

Commercial auto insurance

If you need to use your personal vehicle to do business, it is important that you have commercial auto insurance on it. Your personal auto insurance will not cover you if you are using your vehicle for business. That is dangerous to your finances. 

Contact Sprout Insurance in Nettleton, MS when you are ready to choose the right commercial insurance for your business. 

Does my home insurance cover renovations?

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Does my home insurance cover renovations?

Yes and no. When you begin renovating your Nettleton, MS home, you need to obtain construction insurance from Sprout Insurance to cover the changes in effect and the added liability of the workers completing the task.

Once the workers finish your renovations, you need to update your home insurance. When you purchased your homeowners’ insurance, you bought the policy predicated on your home as purchased. Once you change anything to upgrade it, you make your home more valuable. That means you need to update your home policy to cover its increased value.

If you read your homeowners’ insurance policy carefully, you’ll note that it insures your home for a specified value, even though it may not express it in a dollar and cents figure, such as $250,000. Look for language that describes the insured value in replacement terms. These include:

  • appraised value,
  • market value,
  • assessed value,
  • replacement value,
  • agreed value
  • actual cash value.

Unless you apprise your insurance agent of the changes to your home, they have no documentation of its value beyond the original one from when you purchased the policy. The most commonly used valuation method in home insurance, replacement value, is based on existing information.

Your existing policy doesn’t cover your updates to your home until you update it. The same is true of big-ticket items you purchase that you don’t add to your home inventory filed with the insurance agency.

Contact Sprout Insurance serving Nettleton, MS for more information or to talk about your planned renovations. We’ll help you add construction coverage to your policy package, then update your home insurance when the work crews finish your home renovation.

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