Colt’s Commentary – November 2022

 

Hey there,

It’s hard to believe that Thanksgiving is almost a week away, but can you imagine if it was postponed?

That happened to a town called Colchester in Connecticut in 1705 when Thanksgiving was postponed due to a molasses shortage.

Can’t have a Thanksgiving celebration without those delicious pumpkin pies!

Happy almost Thanksgiving!

-Colt 🦃

https://www.goodhousekeeping.com/holidays/thanksgiving-ideas/a35457/thanksgiving-trivia/


McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

Copper’s Corner – October 2022

Hello,

For some people spooky season is the highlight of their year, but here at McGovern Agency, we are very aware that there are only 83 days until Christmas. 

Don’t get me wrong, I love Halloween just as much as the next pup, but there is nothing better than knowing that Christmas is just around the corner!


~Copper
🎅🎄

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com

Colt’s Commentary- September 2022: Dog Breeds & Homeowners Insurance

Hey there,

Technically August was National Dog Month, but I don’t think we need a reason to learn about the best household pet ever…Dogs!

Here are a few interesting facts about dogs that you may or may not already know:

  • When you pet a dog your blood pressure goes down and so does the dog’s.
    • I’m not sure how you check your dog’s blood pressure at home, but it might be fun to check yours and see if this really works.
  • Only 45% of dogs sleep with their owners in their bed.
    • I feel like that number should be higher!
  • While we think all dog breeds are AMAZING, there are some breeds that are considered more risky/unfavorable for homeowners insurance.
    • Each carrier differs in the breeds, if any, they consider ineligible, but the lists usually include Pitbulls, German Shepherds, Rottweilers, and any dog with a bite history. 
    • What does this mean?
      • Well usually it just means that in the event a dog of an ineligible breed were to bite someone or cause property damage, the liability insurance may not cover it. Your carrier may also choose to not renew your policy. 
    • The good news is that doodles are not on this list! Phew!

-Colt 

https://www.akc.org/expert-advice/lifestyle/dog-facts/ 

https://www.progressive.com/answers/dog-friendly-homeowners-insurance/ 


McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

Copper’s Corner – September 2022

Hello,

I don’t know about all of you, but I know how easy it is to get into the habit of putting something off until the last minute. 

It really is like a credit card, so here is your reminder that procrastination doesn’t prevent the job from needing to be done; it only leaves you with less time to prepare. 


~Copper

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com

Colt’s Commentary – August 2022: Ride-share Coverage

Hey there! Colt here,

It’s no secret that ridesharing Apps have become pretty popular over the past few years, with Millions of people driving for them. One thing to keep in mind if you’re going to drive for one is how you are insured. Sure, the ride-sharing companies provide a certain level of insurance, but I’m here to point a few things out… 

  • Lyft and Uber both offer some amount of coverage while you are picking up/ driving a customer to their destination, but it is important to note that unless you disclose to your insurance carrier that you are driving for these types of services (and get the proper endorsement coverage), they will usually not honor a claim, and may cancel or non-renew your auto insurance policy.
  • If you have vehicle damage coverage on your own auto insurance policy (that includes ridesharing), Uber or Lyft will also provide coverage for damages to your