Runnels Insurance (Safeco)

Budget Friendly Road Trip Advice

Posted on by AgentInsure

It is important for you to be budget conscious when you take a road trip. At first, it may seem cheaper than airfare, and it can be. It can also be much more adventurous, allowing you to take to the open road across Florida or anywhere else.

There is some very important advice that you will want to follow in order to keep your road trip as budget friendly as possible.

Plan

Planning will go a long way to help you maintain your budget. Take the time to figure out where you are going, how many miles it is, and how much you are going to spend in gas, approximately. Remember, the more people you take on your road trip, the more affordable it may be because you can split the price between all of your friends.

Use apps

There are some great apps to help you with planning and saving money. Some of them are listed below:

  • Google Maps – Map out where you are going
  • GasBuddy – Find the cheapest gas prices
  • Orbitz – Find low rates on hotels and motels.

Watch where you eat

You want to make sure that you where you are eating. If you go through the drive-through each time you are hungry, you are going to be spending a lot of your money on food instead of adventures. Pack a cooler so you have access to food all the time.

Find free things to do

Tourism sites and visitors centers are great place to look for different free things to do within every town and state you pass through.

Call one of our agents at Runnels Insurance today. We can help you to find quotes that are affordable so that you can have peace of mind with auto insurance in Brandon, Florida.

 

 

Renters Insurance & Bad Roommates – 3 Tips

Posted on by AgentInsure

We’ve all heard horror stories about bad roommates who make the lives of those under the same roof an absolute nightmare. While it can definitely be unnerving to live with someone like this, it is important to understand where having a renters insurance policy fits into the situation. Here are three tips to consider.

Tip #1: Make Sure You Have Separate Policies

If you don’t exactly trust your roommate, having separate renters insurance policies is a must. This not only saves you the hassle of having to have both of your names on any claims reimbursement checks, it keeps you from having to remove them when your time together eventually comes to an end. Furthermore, having a separate policy means you are not subject to their liability risk. If they do something crazy that results in a claim, they are required to file against their policy and not yours.

Tip #2: Know That Intentional Acts Are Excluded

It is also important to remember that intentional acts of vandalism or theft are specifically excluded from most renters insurance policies. This means that if your nightmare of a roomie suddenly decides to destroy your belongings or take what isn’t theirs, the claim may not be covered. Ultimately, it is up to the insurance company whether to honor the claim or not—and many will not if these acts are done by somebody living under the same roof.

Tip #3: Take Extra Precautions with Valuables

While most companies do not pay for intentional acts, some do if you can show you did everything in your power to keep your roommate from accessing your belongings. This can be done by keeping valuables stowed away in an area where the other party has virtually no access or would have to go through tons of work to even gain access, such as a private safe or locked closet.

To learn more about renters insurance coverage, please contact us at Runnels Insurance today.