September is Life Insurance Awareness Month!

26 09 2011

Life Insurance Basics From Nationwide

Not sure if you need life insurance coverage? You’re in the right place. A life insurance policy can help replace your income and pay for things like housing, living expenses and educational costs in the case of an unexpected death. Our helpful online resources provide plenty of solid life insurance information, so you can understand the type of coverage that you may need to meet your needs, life and budget.

What to consider with your life insurance coverage

If you’re thinking about life insurance products, here are some questions you should be asking:

Why Nationwide for Life Insurance?

You may think of Nationwide as simply a big company selling insurance and financial products. But we’re actually in the solutions business. We work hard to provide solutions for you and your family’s needs with personalized and professional service.

Our insurance and financial products help meet the real needs of real people. We insure everything from cars, boats and snowmobiles to homes, businesses and, of course, the lives of our customers.

Helping protect your family and the things that are valuable to you has been our mission for 80 years − and we take it seriously.

Please take a few minutes to read about our products. Then talk to an insurance agent or investment professional to learn how Nationwide can fit into your life.

We think you’ll see that we can help you find easier and more affordable solutions to your needs.


Puzzle, See what you can get

30 08 2011

1. Bake / 5th letter

2. Your “ticker” / Nation

3. Golf ball holder/ Mug

4. 4th letter / Exam

5. Ruined / Hair in knots

6. Above Neck / Musical group

7. House / Nauseous

8. 18th letter / ____, Myself and I

9. Startle / 5th letter

10. Turn round and round / What you scratch

Directions: Take the two clues and make one word. Example- First clue is BAKE so the first part of the answer would be COOK. Second clue is the 5th letter which is an “E”. So the answer would be COOKIE! .

Scan our QR with barcode scanner on your smart phone to learn all about us!

25 08 2011

Insurance DO’s and DON’Ts pertaining to home insurance

26 07 2011


  1. Recognize that underinsurance after a total loss is a very common problem. Many homeowners find themselves underinsured after a total loss even though they followed their agent or insurer’s recommendations. If you find yourself in this position, get educated and enforce your rights. The promise of security that insurers advertise and sell is part of the contract you paid for. It’s up to you to enforce your rights under that contract.
  2. Establish a contact at a reputable insurance company, agent or broker’s office that is qualified and authorized to advise you on properly insuring your home. The advice you’ll get from an agent that only represents one insurance company will be different from the advice you’ll get from an “independent” agent or broker that represents several competing companies.
  3. Be specific that you want to make sure your home is properly insured and that you want to buy full replacement coverage. Many agents fear that if they tell you the true cost of fully insuring your home you will go elsewhere to find a cheaper policy. Be clear that you will pay a fair premium for full replacement coverage and insist you don’t want to gamble or underinsure your home.
  4. Answer all questions truthfully so the insurance company knows the size of your home, other structures, the style of construction, major improvements, unusual features and your high value personal property items.
  5. Follow the insurer, agent or broker’s recommendations on increasing or maintaining your limits. Get and keep a record of the insurer, agent, or broker’s confirmation that your limits are adequate.
  6. For extra security, buy the highest percentage replacement cost endorsement you can afford. This is a “fudge factor”. If you suffer a major loss and it turns out your insurer set your limits too low, this endorsement is designed to bridge the gap. Replacement cost endorsements are sold as percentage amounts above your stated dwelling limits. Most insurers offer 25-100% above limits. Shop around for this important protection.
  7. Figure out the cost to replace your contents and adjust your policy limits accordingly. Some items such as jewelry, art items and collectibles may be better insured if they’re specifically listed in your policy contract. This is known in the industry as “scheduling.” Scheduled personal property items are listed with separate coverage limits in a document that becomes part of the policy contract.
  8. Make sure you have enough contents coverage. A replacement cost endorsement that increases your dwelling limits may not also increase your contents limits. Most insurers set the limits for your possessions, (“contents”) as a percentage of the limits on your dwelling. Contents limits are typically set at 50-75% of dwelling limits. Most insurers sell a replacement cost endorsement that only increases dwelling limits. This means your contents limits will stay at the amount stated on your “declarations page” even if the replacement cost endorsement kicks in to increase your dwelling limits. A few insurers sell a policy that allows both dwelling and contents limits to increase. If yours doesn’t, make sure you get confirmation that your limits in all categories are high enough or buy coverage elsewhere.
  9. Make sure your policy offers adequate coverage for building code upgrades. The safest bet is full building code upgrade coverage, which is available from companies such as Fireman’s Fund, Safeco, Chubb, and Allied. Most other insurers offer either an extra 10% for building code upgrade coverage or a flat $25,000.
  10. Your Additional Living Expense (ALE) limits should cover rent, etc. for at least two years after a total loss. Many companies require you to use your ALE coverage within 12 or 24 months after a loss, even if you haven’t exhausted the limits. This can be a problem because it always takes longer to rebuild than you anticipate, especially in a disaster area. If your insurer only offers 12 months of ALE, consider switching to a competitor. You may not have to pay a lot more for better ALE coverage. If your insurer offers a fixed dollar amount with no time limitation, divide that amount by 24 months to compare the coverage. Some policies refer to ALE as “Loss of Use.”
  11. Make sure you tell your agent about improvements to your home. Most carriers require you to report any renovations costing $5,000 or more.
  12. Take steps to make your home eligible for better, cheaper coverage. To qualify for the best coverage, homeowners need a newer roof, updated plumbing, wiring, heating system, and a bolted foundation. Ask your agent what you can to do to lower your risk of loss.
  13. Opt for higher deductibles. Increasing your will lower your premium. You’re generally better off paying small claims out of pocket anyway, especially until insurance regulators reign in “use it and lose it”. “Use it and Lose It” refers to some insurers’ recent practice of refusing to renew the policies of customers who file claims. This allows insurers to continue to collect premiums but shrink payouts by discouraging customers from filing claims…use your insurance, lose your insurance!
  14. Avoid extra headaches after a loss: Photograph or videotape your home and contents and store copies of the photos or the negatives off-premises.
  15. If your agent contacts you at renewal time to review your coverages, spend time with him or her discussing your policy limits and insist again that you want to make sure you’re fully insured.
  16. To be extra safe, check the dwelling limit (“Coverage A”) that appears in your policy against what you know about your home and construction costs in your area. If they don’t match, ask your agent or insurer to explain why they don’t. Contact reputable homebuilders in your area to determine the current range of per square foot construction prices for your type and size home. Apply that range to your home; add at least 15-20% to account for future price increases and post-disaster price spikes and compare it with the dwelling limits your insurance company has set. Discuss and resolve any discrepancies with your insurer, agent or broker.
  17. Double check the formula your agent or insurer used to set your dwelling limits (“Coverage A”). Ask the agent or insurer to send you a copy of the worksheet he or she used to calculate the cost to rebuild your home. Some insurers give their agents worksheets that are designed for calculating homes less than 3,000 square feet with newer construction. These worksheets may cause homes that have unique characteristics or higher quality of materials to be underinsured. If your home is large enough, your insurer may send out an appraiser, and if they do, make sure you get a copy of the appraiser’s report.


  1. Don’t rely on the purchase, appraised or estimated sale price of your home to set your dwelling limits. That is not predictive of the cost to rebuild.
  2. Don’t be penny-wise and pound-foolish by buying the lowest priced homeowners policy. Your home is your biggest asset – make sure it’s covered.
  3. Don’t understate the size and amenities of your home to get a lower premium quote.
  4. Don’t underestimate your personal possessions. You’ll be surprised how much it costs to replace what you had if you suffer a major loss.
  5. Don’t be afraid to switch insurers to get a better policy. Loyalty doesn’t benefit you in this context. Many homeowners pay premiums to an insurer for 20 years without ever filing a claim, but when they suffer a major loss and find themselves underinsured – that customer loyalty doesn’t matter. Don’t expect your insurer to reward you by increasing your limits without a fight, just because you’ve been a long time customer. It just doesn’t happen.
  6. Don’t wait until after a loss to get appraisals of valuables. Do store copies off-premises.

Nationwide Helps Those in Need

11 07 2011

Fighting hunger in Tennessee


6/29/11 – Last month, South Central regional associates and their families took part in a mobile food pantry for the Second Harvest Food Bank of Middle Tennessee. The team spent several hours on a warm Saturday morning packing food bags for more than 270 families in the community.

“It was great to be able to spend time talking with families and getting to know them,” said Mason Green, senior personal lines underwriter in the South Central region. Mason was one of more than a dozen associates who volunteered at the mobile pantry.

Second Harvest Food Bank of Middle Tennessee is one of the largest food banks and food distribution centers in the U.S. They provide food and personal care products to more than 400 non-profit partner agencies in 46 counties in Middle and West Tennessee. These partner agencies include food pantries, soup kitchens, shelters, foster care facilities, senior centers, group homes, and youth enrichment programs.

In support of Nationwide’s continued partnership with Feeding America, Paul Robinson, operations director for the South Central region, presented Second Harvest Food Bank of Middle Tennessee with a $30,000 check from the Nationwide Foundation.

“We’re pleased to be able to support Second Harvest on their mission to wipe out hunger,” said Paul.

The $30,000 grant represents a portion of $1 million in funds donated in May by the Nationwide Insurance Foundation to Feeding America. These funds were donated to 21 food banks across the country, including Second Harvest of Middle Tennessee.

To show their appreciation to Nationwide, Second Harvest recently renamed one of their regional office’s conference rooms “The Nationwide Insurance Conference Room.”

“We look forward to our continued partnership with Second Harvest,” said Paul. “It’s one more way we’re able to be On Your Side for thousands of people in our communities.”

Summer Driving Tips to Save Your Car

28 06 2011

Tips for Summer Road Trips

Ah, the thrill of summer and the open road. Speakers blasting tunage, a cooler of refreshing (nonalcoholic) beverages on the passenger side of your lovingly maintained classic Mustang ragtop, nothing but heat shimmer and possibility for miles and miles. What could go wrong?

Lots. Rewind that reverie to minivan and screaming kids. Add a day’s sweltering layover at Waldo’s World of Water Pumps, and your vision of summertime bliss has blossomed into torrid nightmare. With summer vacations coming up, here are some tips to make it more likely you’ll be watching miles of scenery unspool, instead of checking your credit limits from the pay phone of a garage 30 miles from the nearest cell tower.

Before you set out, make sure your car’s ready for the mileage, heat and loads you plan to inflict on it.

Where the rubber meets the road. Check your tires, including the spare, for uneven or excessive tread wear and proper inflation. If they’re bad, replace. If low, inflate. Not only does proper pressure help you avoid blowouts, it also improves handling and fuel efficiency. Check frequently on the road, too. (Correct pressures for your vehicle and load are typically noted on the driver-side door or door jamb.)

Don’t get hosed. Belts drive your air conditioner (vital for comfort) and alternator (vital to forward movement). Belts and hoses also circulate the water that prevents your car from overheating. Inspect belts for wear and cracks, and check hoses for blisters and softness. Better yet, have your mechanic do it. If these vital rubber parts are more than a couple of years old, you might want to replace them anyway. An ounce of prevention is worth avoiding an unplanned hike through Death Valley.

Hydrate or die. Summer sure can work up a thirst, right? Your car thinks so, too. Give it the fluids it needs to stay cool. And while you’re at it, keep in mind that antifreeze is just as crucial in hot conditions as in winter. The ideal mix if half water, half antifreeze. You can check this with a simple and inexpensive antifreeze tester, or ask your mechanic.

De-soil your oil. You won’t do well if you live on the scrapings from a fast-food fry vat. So why expect your car to work well on dirty oil? Don’t just check the oil before your trip, change it. It’s a cheap way to avoid a costly breakdown. Consider, too, that the combination of summer temperatures, high speeds, heavy loads and long hauls can really heat your oil up. That means it flows more easily and protects moving metal parts less effectively. So while you’re at it, you might want to go for a heavier grade of oil than you would in winter. Check your manual and ask your mechanic first, though, to see what weight is right for your vehicle and driving conditions.

Basic tow care. Before you hook up a trailer, check the manual to make sure you vehicle can handle the added weight. And towing capacity is only half the story. Make sure you operate within the speed limits for the trailer.

Be prepared. Create an emergency kit with a flashlight, extra batteries, a jug of water, flares or reflective triangles, paper towels, nonperishable food, jumper cables, gloves, a first-aid kit and commonly used tools. Finally, keep your cell phone charged just in case you need it.

How the heck did he get in there??

9 06 2011