Life is Beautiful

Life is Ever-changing

Beauty brightens every season of life…whether you’re just starting out, growing your family or slowing down. Erie Family Life Insurance Company is there to help you secure the future, so you can relax and cherish every moment.

Term Life Insurance

One of the most beautiful things about life is that it’s always changing. Term life insurance can cover those you love through all of the stages. And it may be more affordable than you think. Did you know a healthy 35-year-old man would pay less than $18 a month for a 20-year, $250,000 term policy?

With term life insurance from Erie Family Life, you choose how long your life insurance lasts and how much coverage you want. The way it works is simple, if you should perish during
the term of your policy, it pays the beneficiaries; and if not, you may renew the term policy annually. Your policy also allows you to convert it to a permanent life plan during the term period you selected.

A term life policy from Erie Family Life features:
• Choice of 10-, 15-, 20- or 30-year plans.
• Rates that stay the same for the period of time you select.
• A simple application process.
• The option to convert to permanent insurance.
• Protection backed by a financially secure company.
• Personal service from your own local agent.

 

For more information on term life insurance, click here to download our booklet.

Happy Holidays!

We hope you and your loved ones have a safe and festive holiday season!

Our office will be closed December 25th and 26th. Then again on January 1st. Our claims line is always open in case you need to review any potential claims.
Call 804-675-4300 x 6.

Heather and Kevin Perry
Perry Family Insurance Agency

Consumers’ response to Natural Disasters : 87 percent of participants worry but 42 percent haven’t assessed insurance coverage

Consumers’ response to Natural Disasters in the U.S. – findings from recent Clearsurance survey

 

November 16, 2017 12:12 PM Eastern Standard Time

NEWBURYPORT, Mass.–(BUSINESS WIRE)–Clearsurance, the first-of-its-kind crowdsourced review, rating and educational platform exclusively for the insurance industry, today released results of a consumer survey about insurance that protects their property against natural disasters. The online survey of 1,000 U.S. individuals uncovered that the majority of respondents (87 percent) are concerned about a natural disaster striking their area, but very few have taken action to adequately protect themselves from being uninsured or underinsured. Of those that said they took action, the majority went no further than reviewing their policy. Only 18 percent enhanced their homeowners coverage and 12 percent purchased a new insurance plan.

“We conducted this survey following a string of devastating events across the country and the findings highlight a clear problem: consumers’ lack of knowledge about their own homeowners policies and what is and is not covered”

However, data from CoreLogic stating that 70 percent of flood damage from Hurricane Harvey was uninsured underscores the concern that an overwhelming majority of victims were not adequately covered.

“We conducted this survey following a string of devastating events across the country and the findings highlight a clear problem: consumers’ lack of knowledge about their own homeowners policies and what is and is not covered,” said Clearsurance Co-Founder and Chief Revenue Officer Todd Kozikowski. “This is why we created Clearsurance. Our aim is to help people make smarter insurance decisions by empowering them through education and reputable reviews shared by other consumers. This knowledge will ultimately help homeowners secure proper coverage for property losses, and be ready for inevitable natural disasters in the future.”

Other findings include:

  • The most frequently noted natural disaster claim filed was wind damage at 28 percent, followed closely by flood at 25 percent
  • Wind and flood were followed by ice (15 percent) and earthquake (12 percent)
  • The least commonly filed claim was wildfire at 10 percent nationally, though it was notably higher for respondents from the West at 25 percent
  • 82 percent of participants are expecting a rate increase for their policies following the 2017 storm season
  • 35 percent of those expecting a rate increase think it will be 10 percent or more and 47 percent expect it to be between 1 and 9 percent

 

To download a survey summary, please go to: http://bit.ly/NaturalDisasterReport. To learn more about Clearsurance or one of more than 370 personal lines insurance companies currently reviewed on the site, please visit www.clearsurance.com.

 

SOURCE: https://coverager.com/consumers-response-to-natural-disasters-in-the-u-s-findings-from-recent-clearsurance-survey/

Fire Prevention Week: It’s All about a Plan

Crayon drawing of house fire

Fire Prevention Week serves as a reminder to have an escape plan, practice fire drills and make sure all family members know what to do in the event of a fire. If a fire breaks out in your home, you may only have a few minutes to get out safely once the smoke alarm sounds. We’ve compiled some tips from the National Fire Protection Association (NFPA) about planning your family’s escape route and practicing fire drills at home:

  • Make an Escape Plan. Draw a map of your home showing all doors and windows.
  • Discuss the escape plan with everyone in your home. Know at least two ways out of every room, if possible.
  • Make sure all doors and windows leading outside open easily. Have an outside meeting place (this could be a tree, light pole or mailbox). Just make sure it’s a safe distance from your home.
  • Practice your home fire drill. Make sure you practice with your family during the day and at night, with everyone in your home, twice a year.
  • Practice using different ways out.
  • Teach children how to escape on their own in case you can’t help them.
  • Close doors behind you as you leave.

If the smoke alarm sounds

  • Get out and stay out. Never go back inside for people or pets.
  • If you have to escape through smoke, get low and go under the smoke on your way out.
  • Call the fire department from outside of your home.

Facts about House Fires
A closed door may slow the spread of smoke, heat and fire. Install smoke alarms inside every sleeping room and outside each separate sleeping area. Install alarms on every level of the home. Smoke alarms should be interconnected – when one smoke alarm sounds, they all should sound.

According to an NFPA survey, only one of every three American households have actually developed and practiced a home fire escape plan.

While 71 percent of Americans have a family escape plan, only 47 percent of those have actually practiced it.

One-third of American households who made an estimate thought they would have at least six minutes before a house fire would become life-threatening. The time available is often less. And only 8 percent said their first reaction of on hearing a smoke alarm would be to get out!

It’s important to create family escape plans, review and practice the plans at least twice a year. Preparation and proper alarms could be the key to saving you and your family’s lives.

Additional information can be found on the National Fire Protection Association’s website. This information was reproduced from NFPA’s fire Prevention Week website © NFPA 2017. 

 

Kidde 468094 Three-Story Fire Escape Ladder with Anti-Slip Rungs, 25-Foot

Our family just purchased this fire escape ladder from Amazon for $53. Well worth the investment. Go to amazon.com for more information.

What Makes a House a Home?

When you look around your home, chances are you don’t just see four walls and a roof. You also see the marks on the walls where you lovingly marked your children’s height so you could watch them grow. You see the chair your dad always sat in on Christmas morning, and the fireplace you all gathered around in the evening. A home is so much more than just a house.

When you purchase your homeowners insurance with Erie Insurance, we want to protect your house and your home. Our ErieSecure HomeSM insurance program is one of the most comprehensive coverage packages in the industry. It protects 100 percent of the value of your home in case of total destruction. It offers blanket coverages for jewelry and other valuable items you own in case of theft or destruction. It offers customizable protection to make sure your house is covered in ways that make sense for you.
We might not always be able to save the things that make your house a home—those marks on the wall or that favored chair. But ErieSecure Home makes sure that when the worst happens, you can pick up, go on and start creating new memories. And we think that’s pretty special.
Call us today to find out how you can cover your home.