Tips to prepare your house for a storm

Preparing your house for a storm is essential as the weather turns more extreme here in the Senatobia, MS area. Here are some tips from us at Storey Insurance to make sure your home is ready for whatever the elements bring: 

  • Secure outside furniture and items: Make sure to bring any outdoor furniture or items inside that could be blown away or damaged by a storm. Additionally, you should secure any items that can’t be brought inside – such as grills, play sets, and trampolines – to help prevent damage. 
  • Trim trees around the house: Before a storm hits, it’s important to trim any trees near your home that could pose a safety risk during bad weather. Strong winds can cause tree branches to break off and potentially cause damage or injury. 
  • Check the condition of your roof: A strong wind or hail storm can damage roof shingles, so it is important to inspect your roof before bad weather arrives and ensure everything looks in good condition. If you spot any missing shingles or other signs of wear and tear, get them repaired immediately before trouble strikes. 
  • Clean out gutters: Clogged gutters can become overwhelmed in heavy rains, which can lead to water accumulation near the foundation of your home which could potentially cause flooding and other damage. Be sure to clean out all of your gutters before a storm hits — this will help keep water flowing away from your home instead of towards it!

Following these tips ensures your house is adequately prepared for even the worst storms! For more information, give us at Storey Insurance a call today. We are proud to serve the Senatobia, MS area.

Do all drivers in Mississippi need auto insurance?

Most people in the Senatobia, MS area will want to own a car to ensure they can get around the area. While owning a car is generally a good idea, it does come with some responsibilities. One responsibility to take seriously is the need to get proper auto insurance. All drivers in this part of the state need this type of coverage for various reasons.

Meet Legal Standards

A reason that all drivers in this state need to have an auto insurance plan is so they can meet any legal standards. When driving a car, an auto insurance plan is required as the state obligates all motorists to at least carry a minimum liability insurance plan. With this coverage, you can stay in good standing with such requirements. 

Financial Protection

An auto insurance plan is also a good option as it will provide financial protection. A lot of risks come with owning and driving a car. If you want to cover yourself and your assets, getting auto insurance would be a good idea. This type of coverage will provide the support you need to replace or repair your car in some situations and protect against liability risks. 

When you want to purchase or lease a car in the Senatobia, MS area, you will want to know that you are taking proper precautions and obtaining the necessary insurance. For those looking for coverage here, starting by calling our team with Storey Insurance would be helpful. Our team of professionals with Storey Insurance knows the value of this coverage and can offer any help you need to build a new plan.

3 Common Mistakes to Avoid When Buying Commercial Insurance

When the Storey Insurance team helps Senatobia, MS business owners purchase commercial insurance, we aim to ensure you get great coverage for your needs. Unfortunately, some common mistakes businesses make when choosing a policy can end up costing them more money down the line or leave them vulnerable to financial loss due to an unexpected incident.

Here are three mistakes to avoid when you shop for commercial insurance:

1. Not getting enough coverage 

One of the most important things to remember when buying commercial insurance is that it’s better to err on the side of caution and get more coverage than you think you need. This prevents gaps in your policy that could leave you vulnerable if an incident happens and you need to file a claim.

2. Choosing an insurance provider without researching them 

Another mistake businesses make is selecting an insurance provider without researching first. It’s vital to ensure the provider you choose is reputable, covers your specific needs, and has a good customer service record.

3. Focusing only on the price 

While finding a policy that fits your budget is essential, don’t make the mistake of focusing solely on the price without considering other factors. Make sure you are getting enough coverage and working with a reputable provider first and foremost, then consider any discounts or additional add-ons they offer.

Reach Out To Us

At Storey Insurance, we know that finding the right commercial insurance policy can be a daunting task. That’s why our team is here to answer questions and provide guidance every step of the way. Avoiding these three common mistakes will help ensure you get the coverage you need at a price that fits your budget. Contact us today to learn how we can help you protect your business in the Senatobia, MS area.

The Most Common Home Insurance Claims

Looking for a comprehensive insurance plan that will cover all of your needs? When it comes to home insurance, you should have access to a wide range of policies that will protect your home in the event of property damage or financial losses. At Storey Insurance, we’re providing coverage for Senatobia, MS homeowners who want varied protection. Here, we’ll be going over the most common claims that homeowners look for when purchasing homeowner’s insurance. 

The Most Common Home Insurance Claims

Flood or Water Damage

Water damage tends to be on the more expensive side of things, with homeowners paying thousands of dollars in order to cover repair costs. Whether it’s floor wood damage or a major foundational crack, these types of issues need immediate restoration in order to maintain a well-functioning home. If you live in an area that’s prone to flooding or rainstorms, then you’ll need an insurance policy that covers these situations.

Lightning or Fire Damage

During a storm, your home will be vulnerable to lighting, fires, or other storm-related destruction. Storms can happen anywhere, whether it’s a hailstorm or a hurricane. Be sure to find an insurance plan that covers storm damage to your home.

Theft or Vandalism

Aside from perilous events, your insurance plan should be able to cover situations of robbery or vandalism. Search for an insurance policy that will provide claims for the possession and loss of your personal belongings. 

Ready to Make a Claim?

At Storey Insurance, we provide comprehensive insurance coverage for the people of Senatobia, MS. When you’re ready to design the right insurance plan for yourself, feel free to contact us at 662-689-0388. Our team will be happy to work with you. 

What happens if you don’t have enough auto insurance?

Most of the population knows that auto insurance is super important to have, and most states require it. Although most states have a minimum liability requirement, it might not be enough to cover a claim if you are in an accident. What happens if you do not have enough auto insurance? Storey Insurance is here to assist Senatobia, MS drivers with all their auto coverage concerns. 

Consequences of inadequate auto insurance

Car accidents are awful enough without worrying about how you will pay for one. This is one of the reasons liability insurance is mandatory throughout the United States. The damage from a car accident can cost several thousand dollars, not to mention the added bodily injury liability costs. If you only have the bare minimum amount of insurance, you would be responsible for several thousand dollars worth of damage. Those expenses could affect your whole way of living.

If you don’t have enough insurance or money to pay for it, the other party might file a lawsuit against you. Depending on the outcome, you could lose your license, and they could garnish your salary, put a lien on your home, or do whatever they needed to resolve the claim.

How to cut costs

Sometimes, people are concerned about the cost of their insurance, so they try to cut out the most expensive parts. Unfortunately, the most expensive part of auto insurance is liability coverage. If you want to cut down on the premium, you can raise your deductible or cut out some of the other coverage options.

How can you protect yourself?

The best thing you can do to protect yourself from these potential financial downfalls is to get an adequate amount of liability insurance. With the proper amount of insurance, you can save your wallet in case of a costly accident. Stop by or contact us at Storey Insurance in Senatobia, MS for your auto insurance needs.

How Specialized Is Commercial Insurance?

When you come to Storey Insurance to buy insurance for your Senatobia, MS business, you might think that the phrase commercial insurance refers to a single policy. Instead, it refers to a category of insurance with more than 25 options. Those options get pretty detailed.

Here we explain the specialized types of commercial policies, such as glass insurance, boiler insurance, malpractice, E&O, etc., and which business types need what type of coverage. Not every business needs every type, and it makes smart fiscal sense to only purchase what you need.

Commercial Insurance Specializations

  • General Liability Insurance – Every business needs liability coverage.
  • Workers’ Compensation Insurance – Every business that hires employees must legally obtain workers’ comp coverage.
  • Professional Liability Insurance – Otherwise known as malpractice insurance, medical professionals, especially doctors and nurses, carry this policy. So do attorneys.
  • Errors and Omissions (E&O) Insurance – Many physicians also carry E&O coverage if they make medical devices or fit them. Manufacturers also carry E&O.
  • Commercial Auto Insurance – Any business that operates a vehicle as a part of the business, such as for deliveries or item pickup, must carry this insurance.
  • Commercial Property Insurance – If you own a building used for business purposes, you need this coverage. Think of it as homeowners’ insurance for your office building.
  • Business Owner’s Policy (BOP) – Most small businesses carry this policy that actually bundles the four most commonly purchased commercial insurance policies into one package and offers them at a reduced premium.
  • Hired & Non-Owned Auto Insurance – Chauffeurs and those who drive a taxi, Uber, or Lyft need this policy.
  • Tools & Equipment Insurance – Any business, such as carpenters, plumbers, electricians, computer programmers or technicians, etc. that relies on specialized tools and equipment needs this policy to protect it.
  • Liquor Liability Insurance – Restaurant and bar owners need this policy type.
  • Product Liability Insurance – Manufacturers of any type of product from makeup to motor oil, exercise equipment to tool belts, need this policy.

Give Us A Call

The term business insurance sounds simple, but its many types of policy complexify it. Contact Storey Insurance serving Senatobia, MS for more information on which policies you need to best cover your business.

Do all people need to have home insurance in Mississippi?

Anyone in the Senatobia, MS area will want to consider purchasing their own home. If you are a property owner in this area, it would be a good idea to also get the right insurance for it.

There are multiple reasons that people need to get a home insurance plan:

Comply with Lender Requirements

A reason that people in this area of Mississippi need to have home insurance is so they can comply with requirements set by their lender. If you intend to take out a mortgage, it is important that you understand all of the requirements in the agreement. More often than not, this will include requiring you to maintain insurance and even have escrows established to ensure compliance. Maintaining home insurance will keep you in good standing with this provision. 

Obtain Support and Protection

It is also a good idea to get a home insurance plan to obtain support and protection. Those that are going to purchase a home will also be taking on various risks. This can include the risk that their home and assets are damaged in a fire or by bad weather or that an accident occurs that results in a liability claim. If you carry a home insurance policy, it will ensure you have the support and protection you need in this situation. 

Contact Us Today

Owning a home in Senatobia, MS can be a great housing option. As you are looking to purchase a home, it would be a good idea to also get the right insurance for it. As you are looking for home insurance in this area, it can be wise to call Storey Insurance. Our team with Storey Insurance will offer the support you need to build a proper plan to ensure you are appropriately covered. 

Auto Insurance is a Necessity – Don’t Drive Without It

Did you know that auto insurance is a requirement in 48 out of 50 states? Every state except New Hampshire and Virginia requires drivers to have a minimum amount of liability coverage. If you live or are near the Senatobia, MS area, Storey Insurance can provide you with the coverage you need.

Why is auto insurance important?

Auto insurance is needed for any damage you cause, to comply with state laws, to meet lender requirements, and to protect your personal assets.

There are three types of coverage on an auto insurance policy:

  • Liability coverage pays for the other driver’s expenses in the event you cause an accident. It does not cover your damage. The two types of liability coverage are bodily injury and property damage.
  • Collision coverage helps pay for repairs or replacement of your car if it is damaged in an accident with an object or another vehicle. This type of coverage is usually required by a lender in the event your vehicle is financed.
  • Comprehensive coverage pays to repair or replace your vehicle if it is stolen or damaged in an incident not involving a collision with another car.

An automobile insurance policy is an agreement between you and the insurer. If you continue to pay your premiums, the insurance company will cover the cost of vehicle repairs, injuries, and other types of damage. You choose the coverage limits that determine the amount of financial compensation you will receive from the policy. As you increase the policy’s limits, the insurance premium will go up.

Insuring your vehicle with full coverage will offer more protection and is required if you are still making payments for the vehicle. If you are driving a car that is more than ten years old, has higher mileage, or if you are in a financial position to easily replace your car, you may want to consider a liability-only policy.

Get Auto Insurance Today

Storey Insurance in Senatobia, MS acan provide a quote or answer any questions you may have. Contact them today.

What Are The Benefits Of Having Commercial Insurance?

Owning a business, regardless of its size and the type of industry, is a lot of work. It requires the ability to focus on short-term and long-term goals, perseverance, passion, and dedication. There are also many risks and uncertainties you have to deal with by being a business owner.

One of the best ways to protect your business and alleviate certain risks is to purchase commercial insurance. However, you may wonder: "Do I really need this type of insurance?" If you have doubts, you should know about the main benefits of business insurance. Consult with Storey Insurance In Senatobia, MS for expert insurance advice. 

What Are The Benefits Of Commercial Insurance?

  • Protection of your commercial property. Your commercial property can be damaged,  and if you have commercial insurance, your insurance company will cover the costs of repairs. Otherwise, you will have to pay for them out of pocket. 
  • Protection of the equipment. Just like the property itself, your equipment can get damaged, broken, or cracked. It happens more often than you think. Your business insurance is needed to cover the cost of repairs and replacement. 
  • Management of business liability. Having a business does not mean that you will have a stable income every year. There could be a time when you face unforeseen losses. In this case, your commercial insurance will minimize the risk by providing financial support. 
  • Coverage of advertisement liability.  If your business advertisement accidentally violates any copyright rules or infringes a certain law, your commercial insurance will protect you and compensate it all. 

Get Commercial Insurance Today

If you are currently shopping for commercial insurance for your business, Storey Insurance In Senatobia, MS is here to help you. We specialize in different types of insurance, including commercial/business insurance as well. Feel free to contact us to get more information and find out about the policy options. 

Home Insurance: What’s Covered and What’s Not

Home insurance is one of those things that most of us know we need, but few of us actually understand. What exactly does home insurance cover? And what doesn’t it cover? This can be tricky to answer, as every policy is different. However, there are some general things that most home insurance policies will cover. Storey Insurance in Senatobia, MS can help you navigate this important coverage.

Home Insurance: What’s Covered and What’s Not

For starters, most home insurance policies will cover the structure of your home. This includes things like the walls, floors, and ceiling. It also typically includes any attached structures, like a garage or deck. If your home is damaged by fire, wind, or another covered event, your home insurance policy will help pay to repair or rebuild. Your policy will also usually cover personal belongings like furniture and clothing inside your home. If these items are damaged or destroyed, your home insurance policy can help you replace them.

In addition to the structure of your home and your personal belongings, home insurance typically provides liability coverage. This means that if someone is injured while on your property, your home insurance policy can help pay for their medical bills. It can also help if you are sued for damages.

Home insurance policies typically exclude certain types of damage, like flooding or earthquakes. These types of events usually require separate insurance policies. Home insurance also generally excludes intentional damage, like if you intentionally set fire to your home or vandalize it.

While home insurance can help protect your home and belongings, it’s important to remember that it has limits. Be sure to review your policy carefully to understand what is and isn’t covered. This way, you can be prepared if something happens.

Contact Us Today

One of the most important things to do when shopping for home insurance is to understand what your policy covers and doesn’t cover. Storey Insurance in Senatobia, MS can help you find the right policy for your needs and budget. Call us today to get started.