Seantobia MS

The Benefits Of Commercial Liability Insurance

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Storey Insurance serves the Hernando and Seantobia, MS community, as well as the surrounding areas. We serve as an independent agency. We help our clients assess their options so that they can make the best decision for their situation. We offer a wide variety of policies and have successful partnerships with several carriers around the South.

The Benefits Of Commercial Liability Insurance

Commercial insurance assists you as you operate your Hernando or Seantobia, MS business on a day-to-day basis. Owning a business is a significant investment, which is why you need to protect it. Commercial insurance covers you if your property and inventory are damaged or stolen. You are also covered if you have to cease operations due to a fire or natural disaster. One of the most important parts of your commercial insurance policy is liability coverage. Liability coverage can help you protect the future of your business.

If a customer walks into your property and accidentally gets injured, you will be held liable. If the customer decides to pursue litigation, liability coverage can prevent you from losing your assets. Liability coverage also protects you if a customer alleges that using your product caused them pain and suffering.

Having a strong commercial liability policy can give you an advantage over some of your industry competitors. It shows that your business is responsible. You are also showing that you value your customers, which should help you attract residents.

Having a strong commercial liability policy also shows that you are taking your role as a business leader seriously. Operating your business with integrity makes it more attractive to potential customers and investors.

Storey Insurance Will Help You Protect Your Investment

Visit our website today to learn more information about commercial insurance.

How can home insurance protect me?

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Anytime you purchase a home, it is an exhilarating occasion. While owning a property is a major accomplishment and could be a great investment for your future, many important considerations need to be made. One important choice will come when you pick a home insurance plan. Your insurance policy will protect you in many ways, which makes it a great choice.

Protection for Asset

One of the main ways your home insurance plan can protect you is by giving you coverage for your assets. A home insurance plan will give you the needed coverage to repair or even replace your home if it is seriously damaged. This form of insurance will also give coverage that you need for your personal assets if they are stolen or otherwise damaged. 

Liability Coverage

Another reason you should get a home insurance plan is to protect against the risk of liability. A property owner will take on liability risk regularly. If you have a guest over that is hurt, you could be responsible and held liable. If this occurs, you will need to pay for damages. Fortunately, you will be able to mitigate this risk by getting a proper home insurance plan, as it will include a provision for liability insurance. 

If you are interested in getting a new home insurance plan and are in the Seantobia, MS area, you should call Storey Insurance. The Storey Insurance team is dedicated to helping customers pick the right insurance plan that meets their needs. They can help you do this by carefully assessing your situation and discussing the options with you. Contact our office to get a quote and learn more.

Do all Mississippi car owners need auto insurance?

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When you are in the Seantobia, MS area, it makes a lot of sense to own a car. Those who are vehicle owners in this area of the state will have a much easier time getting around town and completing all of their daily tasks. As you are looking for a car here, you should also carefully assess your insurance needs. There are a few reasons people need to have auto insurance. 

Coverage is a State Requirement

A reason that people here need to get auto coverage is that having it is a state requirement. Those that would like to drive a car here will need to comply with the state’s laws surrounding liability insurance. If you do not have the coverage necessary to comply with this provision and requirement, you could violate state law. You will face a variety of different penalties. 

Coverage is Needed to Protect Car

You will also need to get an auto policy to protect your car. Anyone that buys a car will be making a big investment, and the best way to protect it is with insurance. When you get an auto insurance plan, it will provide you with the coverage needed to repair or replace your car if it is stolen or damaged. 

People all over the Seantobia, MS will need to have auto insurance when they buy a car. If you are going to purchase a vehicle here, you also need to make sure that you understand your insurance options. The team with Storey Insurance can help you determine your needs and options regarding insurance coverage. Storey Insurance can then help you build a policy that is appropriate for your situation. 

Who should get commercial insurance in Mississippi?

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Business owners in Seantobia, MS will continue to find many different ways to be successful. As you are looking to establish or grow a business here, you should ensure that you get proper coverage for it. One great way to insure your company is by getting a full commercial insurance policy. There are a variety of scenarios when a small business owner here should get a commercial insurance policy.

Businesses With Requirements

One of the situations when a business here should get commercial insurance is when they have certain requirements. If your business has taken out a loan or raised other capital, there will likely be requirements that mandate the type of coverage you get. If you do not have a commercial insurance policy when required, you could find yourself in default with your lender or other capital providers, which could be costly for your organization.

Businesses that Want Protection Need Insurance

You will also want to get commercial insurance to ensure that your company is properly protected. A business will take on many different risks, including the risk of being sued for liability or if you lose a major asset. When you get commercial insurance, it will provide you with the coverage necessary to mitigate these risks. 

There are plenty of reasons for a small business owner in the Seantobia, MS area to get an appropriate insurance policy for their company. When you are ready to start looking for your next policy, it would be a good idea for you to call Storey Insurance. The team with Storey Insurance understands the unique needs that come with insuring a business. They can then help you to build a policy that will provide the right coverage for your situation. 

Why and How to Take a Home Inventory for Home Insurance

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Home insurance provides coverage for the contents of your home as well as the structure itself. If you need to claim personal belongings, the insurance company will need to know information about each item in your claim. At Storey Insurance in Seantobia, MS, we recommend making a home inventory as soon as possible. 

Why a Home Inventory? 

Your insurance company will require you to provide information about the items in your claim, including any type of proof you have of your belongings and their value. It can be difficult to get this information after a loss. If items are stolen or damaged, you will likely struggle to remember them all. Serial numbers and other valuable information may not be available when you make your claim. A home inventory also allows you to calculate the value of the items in your home to determine if you have enough coverage. 

How to Make a Home Inventory

Creating a home inventory can seem overwhelming. It is easiest to start with a video or photo of your valuable items. Work your way from one room to the next, and be sure that any identifiable information like serial numbers are visible. This also gives a record of the condition your valuables are in. 

Next, you’ll need to make a formal list. Some apps can help you create a home inventory. You may also choose to create a word document or write it down on paper. 

Your inventory should include all the following information you can gather:

  • Description of item
  • Make, model, or serial number.
  • When and where the item was purchased
  • Cost and/or appraisal value at the time of purchase
  • Latest appraisal value if applicable

Home Insurance with Storey Insurance

If you own a home in Seantobia, MS, contact us at Storey Insurance. We can help you select the right coverage for your needs and offer more advice on creating a home inventory. 

How much auto insurance do I need to carry

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Need is one of those words that can be defined in a few different ways. A need can mean required by law, or it can mean should have from a practical sense. At Storey Insurance in Senatobia, MS, we have an experienced team of independent agents ready to make sure that you get what you need when it comes to auto insurance. 

If you have a car loan or are leasing your auto, you will need to carry both collision and comprehensive coverage. The lender or lessor will require it to protect the money they have invested in your vehicle. In the state of Mississippi, you are mandated to carry liability auto insurance. This protects other drivers and their property from you. The minimum that you must have is 25/50/25. $25,000 in accident or death protection for one person and $50,000 for the total accident. It also has $25,000 for the property of the accident victim. 

Liability is the required coverage the state says you need to carry but is it enough for you? For most people, having a car is not optional, and it is a necessity. Getting to work, to the grocery store, and appointments are all much more difficult if you can’t just get into your car and drive there. If you have an accident and you are at fault, or the other driver has little or no insurance, you will have to pay to repair or replace your vehicle. 

For most people, that type of expense would prove to be a hardship. With collision and comprehensive auto coverage, you would only need to come up with the deductible. 

If you have questions about the coverage you have on your auto policy, we would love to clarify things for you. At Storey Insurance in Senatobia, MS, our team has the experience you are looking for. Please stop in at our office or give us a call and let us give you a no-obligation quote.

 

Home Insurance Protects Your Biggest Asset

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Having insurance on your home is generally required if you have a mortgage, but if your home’s paid for, you technically don’t have to insure it. Still, protecting your assets is very important, and one of the best ways you can do that is through a good home insurance policy. That way, you’ll have the type and level of coverage that’s right for your needs, and you’ll also have the security and peace of mind that comes with knowing your most prominent asset has the needed level of protection. If you’re in the Seantobia, MS area, let Storey Insurance help you with your coverage needs. We can answer your questions and make sure the policy you have is the right one for you.

Even once your mortgage is satisfied, keeping your home insured goes a long way toward protecting your present and your future. If you have a family, adequate insurance coverage can also help to protect them if something should happen to you. But don’t just assume the policy you’ve always had is the one you should be kept for the long term. You may have different needs now, and if anything about your home has changed, you’ll want to make sure those changes are reflected in the insurance policy you have. If they aren’t, you could find that you don’t like the right level of coverage.

By working with us at Storey Insurance, you can adequately cover your Seantobia, MS area home and feel comfortable with the home insurance policy you have for it. See us today, and we’ll work to help you find the right policy. We know insurance can be confusing, and that’s why we’re available to help when you have questions, or you need to make changes to your policy or your coverage levels. We’re dedicated to helping you protect your most important assets.

Is basic auto insurance the right choice for me?

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Basic insurance is the amount the state of Mississippi requires drivers to carry to register their motor vehicles. The amount you need to carry is $25,000 in bodily injury or death for each person with a total maximum of $50,000. You also need an additional $25,000 for damage to property. This is usually referred to as 25/50/25. It is the necessary amount required, but is it the right amount for you? Before that question can be answered, your insurance agent will need to ask you for some information. At Storey Insurance in Seantobia, MS, we have been helping our customers find reliable coverage at reasonable prices for over 17 years. 

To know if basic auto insurance is the right choice, the first thing you need to consider is how much are you worth? Do you have assets, own a home, have savings? Will the basic amounts of liability insurance be enough to protect your assets in the event you have an accident where you are at fault? You could be made to pay hospital expenses and even be sued. It may be the basic amount is not enough. 

If you own a vehicle with very little value, then basic insurance may be enough. But if you have a loan or a lease, you will need to carry collision and comprehensive coverage. If you own your car outright and it has significant value, and you rely on your vehicle to get to your employment, to appointments, or just to go grocery shopping, then having more than basic insurance is in order. Collision and comprehensive protect your vehicle and will help you to repair or replace it. 

At Storey Insurance in Seantobia, MS, we are here to help you make sure you have all the auto insurance you need. Stop by our office or give us a call to make an appointment for a no-obligation quote. 

What Can Commercial Insurance Cover?

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When you run your own business, you know just how much work has gone into it. You’ve gone the extra mile to build it from the ground up, and the last thing you want to happen is for a minor issue to creep up and cause significant problems with how it functions. Commercial insurance can help with this. But what exactly can commercial insurance cover? At Storey Insurance, we’re able to help address these concerns, so if you live in or around Seantobia, MS, we want to provide you with all the answers and information you need to select the commercial insurance that’s right for you. 

Your Equipment

You don’t need to own a building to own the equipment inside. When your business relies on the equipment, you need to protect it as any shutdown can end up costing you. Commercial insurance can protect this. 

Your Payroll

Payroll insurance helps keep your employees paid should your business need to shut down. Maybe the property floods or the building is damaged, and you can’t work. With payroll insurance, your employees will continue to be paid. This way, your workers won’t suffer as you repair the building and get everything back up to speed. 

Vehicles and Property

You can protect the vehicles you drive and different aspects of your business property with varying commercial insurance coverage. 

Finding Commercial Insurance For Your Business

Your small business is essential, and as such, you need commercial insurance that goes the extra mile to protect it. Here at Storey Insurance, we want to do everything in our power to protect your company, which is why our staff proudly services you in Seantobia, MS. If you have any questions about small business, we are here to help. Give us a call with any questions you might have. 

Figuring Out How Much Home Insurance You Need

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One of the main misconceptions of home insurance in Seantobia, MS is how much you need. You don’t need coverage for the home’s market value. Instead, you should have enough to be able to put the same house on the land if there is a total loss. Being underinsured can mean you lose your home and one of your most significant investments in the event of a disaster. 

For your dwelling coverage, you should make sure that you have the replacement cost. This is the amount of money it takes to build a replica of your home. To calculate your replacement cost, you should have an idea of local construction costs. You can ask your agent at Storey Insurance to help you look up these costs. Some free online calculators can give you a replacement cost estimate. An expert independent agent can also give you an estimate. Different factors will affect your replacement cost in Seantobia, MS. If you have done any remodeling or have added structures or additional rooms, you need to keep this in mind. Also, pay attention to new building codes that were implemented after your home was initially built since this can also increase construction costs. 

In order to determine how much personal property coverage you need, do a home inventory. If you have more expensive items, you want to make sure that your insurance will cover these items. It can be easy to underestimate what you own, so it’s important to start making a list.

Many policies will come with a minimum of $100,000 in liability coverage. You should have more if you can afford it since liability covers a lot of different accidents. Having certain breeds of dogs can also increase your liability risk.

Contact Storey Insurance to get a quote on home insurance.