Renters insurance is something that all renters can benefit from. It provides a safety net in the event that something happens to your rental. At Sprout Insurance in Nettleton, MS, we don’t work for the insurance company, we work for our customers. We will do our very best to make sure that you have the right coverage.
Less than 60% of renters have rental insurance. This means that they either feel really lucky or don’t realize that they don’t have any coverage for their personal property. Some people think that their landlord has insurance that covers them and that is not the case. Your landlord undoubtedly has insurance on his property, but that is what is for his property, not yours.
A rental policy provides these different types of coverage:
Content coverage protects the contents of your rental. It covers whether you are at home or away from home with your property. You have choices when it comes to coverage. You can choose one that gives you the value of your items today, or you can choose the one that covers what it would cost to replace your items at today’s prices.
Liability insurance can protect your assets from legal action brought against you. This can be because of an injury at your rental or by a member of your family, even a 4-legged one away from your rental.
Loss of use
If your rental is damaged so badly that it can’t be lived in, you will need a place to stay. If you have rental insurance, loss of use will help to pay for the costs of your interim place to stay.
Contact Us Today
Call the office of Sprout Insurance in Nettleton, MS when you are ready to get rental insurance for your rental. Our team of insurance experts is here to help!
RVs are great for traveling and exploring new places. But did you know that they can also be a great asset during winter? If you’ve got an RV, you don’t have to worry about getting stuck in a snowstorm or worrying about how your car will handle subzero temperatures. Sprout Insurance has long served the Nettleton, MS community with all its insurance needs, including coverage for RV. We can also provide tips on how to get your RV ready in these temperatures.
How to prepare your RV for the winter
There are several steps you can take to prepare your RV for the winter months. The first step is to make sure that all of your fluids are topped off, including the radiator fluid, oil, windshield wiper fluid, and antifreeze. It’s also important to check all of the hoses and belts on your RV, making sure that everything looks good and is properly attached.
Next, it’s time to take care of your tires. Tires can easily get worn out in the winter, especially if you live in a particularly cold area with lots of snow and ice. You’ll need to make sure that your tire pressure is correct for the season, and have them rotated regularly.
Finally, it’s time to check all of the lights on your RV, including headlights, blinkers, brake lights, and taillights. You also want to make sure that all of your windows are clear and free from any debris or dirt. This will ensure that you can see clearly when driving in bad weather conditions like heavy rain or snowstorms – which could be very dangerous if not properly prepared!
Contact Us Today
If you have any additional questions about getting your RV ready for winter or want to find an insurance policy that keeps you covered in all seasons, give Sprout Insurance a call today. We have proudly served the Nettleton, MS area for many years about would be glad to help you.
If you’re a motorcycle enthusiast in Nettleton, MS, you know riding with other people can be a lot of fun. But what happens if one of those riders gets injured while on your bike?
Here we discuss the basics of motorcycle insurance coverage and how it applies to other riders. We’ll also provide tips on staying safe while riding with others and how a Sprout Insurance agent can help you get the coverage you need.
How Does Motorcycle Insurance Work?
When you purchase motorcycle insurance, you are buying a contract that will protect you financially in the event of an accident. Your motorcycle insurance policy will have various limits and deductibles depending on the coverage you choose.
Liability coverage pays for damages if you are at fault in an accident. However, specific limits will apply. Regarding other riders, coverage for passengers is not always automatic. In most cases, you will need to add them to your policy to be covered. Be sure to check with your insurer to see what their specific requirements are.
Tips for Riding Safely with Others
Now that we’ve covered the basics of motorcycle insurance and how it applies to other riders, let’s talk about safety tips you should follow when riding with others.
- Always wear a helmet
- Inspect your motorcycle before each ride
- Check your tire pressure and tread depth regularly
- Don’t ride under the influence of alcohol or drugs
- Obey all traffic laws
Contact Us Today
Following these simple tips can help you stay safe while riding with passengers. If you get into an accident, having motorcycle insurance will give you peace of mind knowing that you’re covered. Call Sprout Insurance in Nettleton, MS today to learn more about motorcycle insurance policies and get the coverage you need.
Nettleton, MS boat owners are not required by law to obtain boat insurance, however, many choose to do so for a variety of reasons. Your Sprout Insurance representative can speak to you about options that may suit your specific needs, as boats can incur damage in a variety of ways.
Here are some of the following:
Although operators are required to take a boaters safety course prior to sailing, serious accidents can occur, resulting in bodily injury to either yourself, passengers, or third parties in another boat. Another unfortunate possibility is that you can face lawsuits from others whose medical expenses were not adequately covered. In addition, this can be the result of a wreck that you either caused or that you were the victim of.
This can occur in the water and can happen if you set sail in waters that are too shallow and run aground. Fuel spills can also occur that can affect the environment, roadways, or private property. Your boat can also be involved in a mishap while being transported on land and can be involved in a crash with a moving vehicle. Your personal effects may also be affected, including fishing gear, resulting in a greater total loss. In addition, if your boat is targeted by vandals or thieves, your items may be stolen or your paint graffitied.
Severe atmospheric conditions can create an environment where a boat can risk perils of all kinds. Storms can pop up unexpectedly, testing your vessel’s seaworthiness, and proper safety equipment onboard is a must, such as life vests and radios with which you can communicate with nearby watercraft.
Get The Right Coverage For Your Watercraft Today
Reach out to a Sprout Insurance agent in Nettleton, MS today for more details on getting the insurance coverage you need in the event of unforeseen circumstances. We look forward to doing business with you.
Having insurance is a good idea for anyone in the Nettleton, MS area. Most people here will likely know that they need to have coverage for their homes and vehicles, but they also need to consider their liability risks and find a way to mitigate them. One of the best ways that you can do this is by investing in an umbrella insurance plan.
There are a few reasons why you will need this type of coverage
Offset Risk of Significant Claim
An important reason that you should get umbrella insurance is so you can offset the risk of being named liable for a significant accident. If you have an auto or home plan, you have liability coverage in some capacity already. However, there is a chance that an accident could exceed the policy limits. If you get an umbrella insurance policy, you will get additional liability support on top of your existing plan.
An umbrella insurance plan is also a good investment because it can provide broad coverage. There are many types of liability risks that are more difficult to protect against with home or auto coverage. If you get an umbrella insurance policy, you will obtain more broad coverage that will cover these types of risks. This will ensure you have appropriate coverage and you can get peace of mind.
Get Umbrella Insurance Today
If you do live in the Nettleton, MS area, it would be a good idea for you to invest in umbrella insurance. If you are looking for a new umbrella insurance policy, calling the team with Sprout Insurance is a good idea. The professionals with Sprout Insurance understand the value of this coverage and will offer you insight into how to identify your needs and build the right policy for your situation.
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.
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.
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
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.
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?
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.