Renee Darata

Families asking for Donations Through Obituaries on the Rise?

Renee Darata — Tue, 31 Aug 2010 17:31:16 +0000

33% of All U.S. Households Have No Life Insurance

About 35 million Americans today neither own a life insurance policy on their lives or are covered through a life insurance plan at their job.

In 2004 it was 24 million families who did not have life insurance.

People die every day from illness, trauma, & accidents.

Families need the protection that is afforded by life insurance.

BUY LIFE INSURANCE FOR THE ONES YOU LOVE

Save Money on Your Auto Insurance

Renee Darata — Mon, 23 Aug 2010 22:22:10 +0000

Now that I have your attention! Have you seen those ads with the lizard or any of the other insurance carriers that proclaim:

Save $390 a year when you switch from:xyz
Save $410 a year when you switch from abc

I just saved a client $1200 dollars a year when I switched him from the lizard.

That’s serious money!!

Apartment Fires Cause Grief to Renters Without Renters Insurance

Renee Darata — Mon, 26 Jul 2010 20:59:45 +0000

Midvale Apartment Fire Video
In Salt Lake County there have been several apartment fires which have left families homeless. In some cases, the tenants may have been without renters insurance.

Renters Insurance can cost as little as $9.00 per month, about the same as a large pizza, or 2 lunches at a fast food restaurant. Unfortunately, those who can least afford to lose all their possessions are the very ones who don’t buy insurance.

Friends don’t let friends go without insurance.

How Can I Insure My Ring?

Renee Darata — Wed, 14 Jul 2010 01:03:45 +0000

If you recently became engaged or received a very nice gift of jewelry, you will want to know if your insurance covers your jewelry.

Insuring your ring, requires an appraisal or bill of sale. Your insurance agent will usually add a “jewelry floater” to your renters, condo or homeowners policy. Your jewelry piece will have its own deductible which could range from $0 on up.

Insurance companies use the appraisal as the basis of what they will pay in the event of a claim. Auto insurance policies are ACV or actual cash value. When you suffer a loss you are paid the value of the vehicle at that moment in time.

A jewelry floater establishes the value of the jewelry. You will be paid that dollar amount minus your deductible when you have a claim.

Does your policy cover “mysterious disappearance”? Some policies will, ask your agent.

Insure your ring, and get peace of mind. Priceless!

Black Boxes, Car Insurance and Privacy

Renee Darata — Fri, 02 Jul 2010 21:23:12 +0000

Did you know that about 60% of todays automobiles have an “event data recorder” ?

This little box records information such as how fast the vehicle was going and how well the brakes and airbags worked — or didn’t.

Chips and sensors within the vehicle feed information to the recorder which must record 15 types of information by 2013.

This could give third parties information on: the speed the car was traveling, if the brakes were applied, if the vehicle had just changed lanes, etc, if the data is made available to them. This leads to privacy concerns.

The information collected is objective as we all know drivers who are confused or injured after the crash and can’t recall what happened right before the crash.

Who owns the data?

Who sells Flood Insurance, FEMA Flood Insurance Policies

Renee Darata — Tue, 22 Jun 2010 16:37:03 +0000

http://www.reneedarata.com Where can the consumer purchase flood insurance? The Jordan River winds its way through the Salt Lake Valley near homes and businesses. The threat of flooding is real. Fema’s website lists agents.
For further information contact Renee Darata @ 801.748.0500

What You Need to Know Before You Purchase Dental Insurance

Renee Darata — Mon, 21 Jun 2010 21:12:07 +0000

Individual dental insurance plans are offered through several insurance carriers in the State of Utah.

Here are a few things to consider when choosing a plan:

Waiting periods; usually 6-18 months for basic and major coverage. Preventative coverage is usually offered immediately.

Co-Pays and Co-Insurance-This is the portion you pay after the dedectible (if any)

Maximum Annual Benefit: Typically $1,000, but I am seeing plans that go up to $1500

Deductibles: Typicaly $25-50 per person.

An Insurance Agent can help you choose the plan that is right for you. There is no discount if you shop on your own.

For further information on specific plans and coverages contact Renee Darata @ 801.748.0500 today.

How do I buy Flood Insurance?

Renee Darata — Tue, 08 Jun 2010 00:20:25 +0000

Homeowners and Businesses in Utah have been affected by the weather. Homes with flooded basements, businesses with flooded parking lots have been hard hit. We have an alert for more flooding due to the sudden increase in temperatures causing the snowpack to melt rapidly and add to already swollen creeks.

Only flood insurance can cover damage due to flood. There is a 30 day waiting period for flood insurance.

Contact my agency for further information @ 801.748.0500



Video Courtesy of KSL.com

What are the most stolen vehicles in Salt Lake City?

Renee Darata — Thu, 20 May 2010 18:44:39 +0000

A recent article in the Deseret News discussed a way to track stolen vehicles with the LoJack system. Many vehicles are stolen and within a short time period are sold to “chop shops” where the parts are removed and resold.

Honda Civics and Accords are still the most often stolen vehicles. They are used for street racing and racers need to replace parts that burned up in an earlier race.

Insurance companies use statistics to set rates. Hondas could cost more to insure (for comprehensive coverage) due to the higher risk of being stolen.

Remember, if you choose to only purchase liability insurance, you will not be able to file a claim if your vehicle is stolen.

Inventory Record for Insurance Claims

Renee Darata — Mon, 03 May 2010 23:47:38 +0000

Have you ever really thought about replacing everything in your home?

If you suffered a fire, or explosion, chances are you would lose a lot of your “stuff”.

We each own different things, but they have meaning for us and we would want to replace them.

When you file an insurance claim, you will be assigned an insurance adjuster and they will meet with you and ask you for a “list” of what has been damaged, destroyed or lost.

If you have an inventory record of at least your main items, that will be a way to begin the process.

There are different ways to make an inventory record. We have paper booklets that let you write a short description of the item and add serial #’s. We also have digital inventory records that allow you to scan in photo’s, receipts, and other documents that show what you own.

In any case, you want to keep the inventory record stored away from home: in your office, at a relative’s home, etc.

We can help you inventory your personal property or business property.