tag:blogger.com,1999:blog-30334846942903808012024-02-08T06:53:10.477-08:00Serfass Insurance AgencySerfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.comBlogger35125tag:blogger.com,1999:blog-3033484694290380801.post-18289279223854491262014-09-18T11:43:00.000-07:002014-09-18T11:43:07.889-07:00Secure, No Matter What<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Home. The word itself is solid, warm and comforting.
But what if all that were swept away in a single moment? Could you rebuild,
start again, make it what it was before?<o:p></o:p></span></div>
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<span style="font-family: Times New Roman, serif; font-size: small;"><span style="line-height: 115%;">Many Americans’ homeowners insurance </span></span><span style="font-family: Times New Roman, serif;"><span style="line-height: 18.3999996185303px;">doesn't</span></span><span style="font-family: Times New Roman, serif; font-size: small;"><span style="line-height: 115%;"> cover
the full cost of replacing their home in case of total destruction. In fact,
most Americans are underinsured by 38 percent (source: Marshall &
Swift/Boeckh). That means that if your home cost $200,000, to rebuild, you
could be out of pocket up to $76,000. <o:p></o:p></span></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Things get even trickier when you take into account
the rapidly rising cost of labor and building materials. Maybe it cost $200,000
to build your home 10 years ago, but today it could cost significantly more. <o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">But when you purchase ErieSecure Home<sup>SM</sup>,
you don’t have to worry about any of that. With this special homeowner’s
coverage, you’ll be able to replace your home 100 percent--guaranteed.<o:p></o:p></span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">Is your home covered 100 percent? If you’re not
sure, it’s time to find out. Call us at Serfass Insurance<b> </b>today, and let’s talk about your family’s needs, and how we
can make your home secure, no matter what happens.</span>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-7414044546077729542014-03-12T07:51:00.002-07:002014-03-12T07:52:06.955-07:00Protect What’s Yours with Life Insurance<div class="MsoNormal">
<b>Protect What’s Yours
with Life Insurance<o:p></o:p></b></div>
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<br /></div>
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Congratulations! It’s what you hear when you: <o:p></o:p></div>
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A) get married <o:p></o:p></div>
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B) have a baby <o:p></o:p></div>
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C) get a new job <o:p></o:p></div>
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D) buy a home <o:p></o:p></div>
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<br /></div>
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And when you hear it, it might be a good time to evaluate or
re-evaluate your life insurance needs. You can protect the lives of your loved
ones, protect your legacy, protect everything most important to you with life
insurance. The best time to look at life
insurance, really, is when you experience one of these big life changes. Here are some questions to ask yourself:<o:p></o:p></div>
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<br /></div>
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<b>Marriage</b>: How much life insurance do you and your
spouse need now that you share expenses and financial goals? If something
were to happen to you or your spouse, would your expenses be covered and would
your financial goals be met? <o:p></o:p></div>
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<br /></div>
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<b>New baby</b>:
Children are expensive little buggers! And we’re not just talking toys and
birthday parties. We’re talking daycare, clothes, food, college…would you be
able to pay for those items on one salary —or no income at all?<o:p></o:p></div>
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<br /></div>
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<b>New job</b>: It’s
only human nature to increase spending when more money is coming in. Will your
family be able to maintain their lifestyle if the income stops? <o:p></o:p></div>
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<br /></div>
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<b>New house</b>: Could
you stay in your current home if something happened to your spouse? A lot of
people, unfortunately, cannot. The costs of home ownership go beyond just the
mortgage. Utilities, taxes, unforeseen repairs and other maintenance costs can cause
your family to be uprooted at a time when they need stability most. When you
purchase homeowners insurance, make sure you ask about life insurance as well. <o:p></o:p></div>
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<br /></div>
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<b>How much do I need?
And what type</b>? These are the questions we can help with. We can explain the
difference between term, whole and universal life insurance products from Erie
Family Life* and help you choose a product that’s right for your stage of
life—and your budget. <o:p></o:p></div>
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<br /></div>
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So next time you hear that big “Congratulations!” give us a
call. We’ll help you keep you and your loved ones protected. <span style="background-color: white;">610-681-5785</span><o:p></o:p></div>
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</div>
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<i><span style="font-size: 10.0pt;">*<st1:city w:st="on">Erie</st1:city> Family Life
insurance not available in <st1:state w:st="on"><st1:place w:st="on">New York</st1:place></st1:state><o:p></o:p></span></i></div>
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<i><span style="font-size: 10.0pt;"><st1:state w:st="on"><st1:place w:st="on"><br /></st1:place></st1:state></span></i></div>
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<i><span style="font-size: 10.0pt;"><st1:state w:st="on"><st1:place w:st="on"><br /></st1:place></st1:state></span></i></div>
<div class="MsoNormal" style="margin-left: .25in;">
<i><span style="font-size: 10.0pt;">Not all companies are licensed or
operate in all states. Not all products are offered<o:p></o:p></span></i></div>
<div class="MsoNormal" style="margin-left: .25in;">
<i><span style="font-size: 10.0pt;">in all states. Go to erieinsurance.com
for company licensure and territory<o:p></o:p></span></i></div>
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</div>
<div class="MsoNormal" style="margin-left: .25in;">
<i><span style="font-size: 10.0pt;">information.<o:p></o:p></span></i></div>
Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-22328090614361281872014-01-16T08:52:00.000-08:002014-01-16T08:52:32.240-08:00 Trust<div class="MsoNormal">
It’s amazing how often we trust each other every day with
issues great and small. We trust that the cashier at the grocery store will be
honest and give us the right change. We trust that when we get into our cars,
the other drivers will be attentive and safe, and we’ll arrive at our
destinations without harm. We trust strangers around us every day to treat us
properly and keep us safe. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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But some decisions about trust deserve to be more carefully
considered. How will you afford the retirement you want and deserve? Who will
take care of your family in case you can’t? Weighty decisions with big
consequences.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Whether you realize it or not, you already know someone you
can trust with these things: us. You already trust Serfass Insurance to take care of your car. Maybe you trust
us to protect your house, too. And if you haven’t considered protecting your
future and your family in the same way, it’s time to do so.<o:p></o:p></div>
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<br /></div>
<br />
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Let’s sit down and really talk about life insurance and
retirement investments. In this case, you can’t just assume that everything
will turn out all right. Keep trusting us to help you make the right call. -KS<o:p></o:p></div>
Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-59676488698037785582013-11-13T06:54:00.000-08:002013-11-13T06:54:40.055-08:00Before the Winter Storm<div class="WordSection1">
<div class="MsoNormal">
<span style="color: windowtext;">Before the winter storm strikes, it’s important to know
the weather terminology that may appear across the bottom of your television
screen or on the local radio station. <o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Winter
Storm Watch:</b> Severe winter weather may affect the surrounding area
within the next 36 to 48 hours. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Winter
Storm Warning:</b> Severe winter weather conditions are on the way or will
begin within 24 hours. Take cover and be prepared. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Blizzard
Warning:</b> Blinding snow and dangerous wind chills are expected for several
hours. Sustained winds of 35 mph are expected to sweep the area. A
traveler’s advisory is issued if driving conditions are expected to be
dangerous or slow moving. <o:p></o:p></li>
</ul>
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<span style="color: windowtext;">Here are some other tips to help you prepare for
winter storms:<o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Winterize your car</b> long before the
first snowfall hits. Winter weather is unpredictable and may surprise you
early in the season. Prepare a disaster kit for your vehicle that
includes: <o:p></o:p></li>
</ul>
</div>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: auto;" />
</span>
<br />
<div class="WordSection2">
<ul type="disc">
<ul type="circle">
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Shovel
<o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Sand
<o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Tow
chain <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Jumper
cables <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Screwdrivers,
pliers and a knife <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Ice
scraper and snow brush <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Spare
change <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Blankets/sleeping
bags <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Small
can and waterproof matches for melting snow <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Windshield
washer anti-freeze <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">High
calorie, non-perishable food items <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Warm
clothes that can be layered <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Compass
and map <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0in;">Cell
phone and charger<o:p></o:p></li>
</ul>
</ul>
</div>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span><br />
<ul type="disc">
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Winterize your trees and bushes</b> by
trimming long branches. The ice and wet snow that accumulates on branches
can cause damage to your home, car or neighbors. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Salt and shovel walkways</b> often. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Drain your pipes</b> if you go on
vacation or experience a power outage to prevent your pipes from freezing
and bursting. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Make certain that each family member
has</b> <b>warm winter gear</b>,
including a winter coat, gloves, hat or scarf and water-resistant boots. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Keep your gas tank full</b> in the
winter months to protect your fuel line from freezing. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Have your</b> <b>cell phone charged</b>. <o:p></o:p></li>
<li class="MsoNormal" style="color: windowtext; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b>Stock an</b> <b>ample supply of logs</b> that can be reached easily during a storm
if you have a wood burning fireplace.<o:p></o:p></li>
</ul>
<div class="MsoNormal">
<b>Contact Us</b><span style="color: windowtext;"><o:p></o:p></span></div>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">
</span>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">If you haven’t scheduled an annual insurance review, <u><a href="mailto:serfass@ptd.net">contact our agency</a></u> today. We will review
your risks and help you make important decisions about your auto, home, life or
business insurance coverage.</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /></span>
<span style="background-color: white; font-family: Arial, sans-serif;"><span style="font-size: x-small;"><br /></span></span>
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<i><span style="background-color: white; font-size: x-small;"><br /></span></i></div>
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<i><span style="background-color: white; font-size: x-small;"><br /></span></i></div>
<div class="MsoNormal" style="margin-left: .25in;">
<i><span style="background-color: white; font-size: x-small;">Not all companies are licensed or operate in all states. Not all
products are offered<o:p></o:p></span></i></div>
<div class="MsoNormal" style="margin-left: .25in;">
<i><span style="background-color: white; font-size: x-small;">in all states. Go to erieinsurance.com for company licensure and
territory </span></i><i><span style="background-color: white; font-size: x-small;">information.</span></i></div>
Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-16023905496904644272013-10-24T07:42:00.000-07:002013-10-24T07:42:26.199-07:00Excuses, Excuses. What’s Yours?<div class="MsoNormal">
<b><u>Five reasons people make buying life insurance anything but top priority</u></b></div>
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<br /></div>
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Buying life insurance rarely makes the top 10 on our to-do lists—and we have plenty of excuses as to why. Here are top reasons people push it off, and why that might not be the best idea: </div>
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<br /></div>
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<b>1) “I’m covered through work.”</b></div>
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Employer-sponsored life insurance is a great benefit to have. But work benefits are usually limited. What’s more, they don’t automatically go with you if you change—or lose—a job. </div>
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<br /></div>
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<b>2) “I’m healthy.”</b></div>
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The fact is, the best time to buy life insurance is when you’re in good health. The younger you are and the healthier you are, the better your rates will be. </div>
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<br /></div>
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<b>3) “I’m not insurable.”</b></div>
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Most of us are never as healthy as we want to be. But you might be surprised to find out that you are, in fact, insurable, regardless of age or health. It’s worth it just to ask. </div>
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<b>4) “It’s too expensive.”</b></div>
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There are many types of life insurance available, and there’s usually something that will fit in everyone’s budget. Once you break it down, life insurance is basically a dollars-a-day expense.</div>
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<br /></div>
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<b>5) “I’m single and don’t have children.”</b></div>
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Not being married or having little ones around now doesn't mean there aren't other plans in store for you in the future. Plus, if you are in your 20's or 30's and have debts such as a car and a home, it’s good to get insured now while the cost is the most reasonable.</div>
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<br /></div>
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<b>Is today the day?</b></div>
<div class="MsoNormal">
The truth is, we don’t usually think about items such as life insurance until someone asks about it, or worse, someone we know experiences a life crisis that puts things in a new light. But why wait? Let us be the one to ask you about it, rather than you experiencing a loss that jolts the issue to the top of your list. </div>
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<br /></div>
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We can help you find an Erie Family Life insurance policy that fits into your budget and covers your needs for your stage of life. Plus, if you’re an ERIE auto and homeowners policyholder, you can save on your premiums when you add a life policy from Erie Family Life*. Give us a call today to learn more. 610-681-5785</div>
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*Erie Family Life insurance products are not available in New York. Related discounts vary by state and are subject to eligibility requirements. </div>
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Disclaimer:</div>
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Not all companies are licensed or operate in all states. Not all products are offered</div>
<div class="MsoNormal">
in all states. Go to erieinsurance.com for company licensure and territory</div>
<div class="MsoNormal">
information.</div>
<div>
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Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-89503985261926502752012-10-08T08:05:00.000-07:002012-10-08T08:05:25.316-07:00Demystifying Life Insurance<div>
<span style="font-family: Calibri, sans-serif;">Do your eyes start to glaze over whenever anyone starts to talk about life insurance? Term life, whole life, universal life, what does it all mean? And the chances of you ever needing to use it are so low, why bother learning all the jargon?</span></div>
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<span style="font-family: Calibri, sans-serif;">Think again. Life insurance is a crucial planning tool for the people you love. Whether it’s making sure that your kids can go to college, your spouse is taken care of or just leaving some extra money behind to your heirs, you can’t ignore life insurance. So let us make understanding it a little easier.</span></div>
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<span style="font-family: Calibri, sans-serif;">There are three major types of insurance we offer: term, whole and universal. All are great policies with different purposes. Let’s break it down:</span></div>
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<span style="font-family: Calibri, sans-serif;">•<span class="Apple-tab-span" style="white-space: pre;"> </span>Term Life is life insurance that you purchase for a specific period of time, in increments of 10, 15, 20 or 30 years. Maybe you want to have a policy as long as the kids are still in school, or until your mortgage is paid off. Term life lets you make sure there’s enough money for all of these things without a lifetime commitment.</span></div>
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<span style="font-family: Calibri, sans-serif;">•<span class="Apple-tab-span" style="white-space: pre;"> </span>Whole Life lets you adjust how you use your life insurance policy as your needs change. While you’ll always receive death benefits, a whole life policy also includes a cash value that you can draw upon. Maybe it’s to pay medical bills or to help out with retirement—it’s there for you to use as you need, and to adapt over time.</span></div>
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<span style="font-family: Calibri, sans-serif;">•<span class="Apple-tab-span" style="white-space: pre;"> </span>Universal Life is a balanced plan offering you a strong death benefit protection as well as plenty of opportunities for investing and growth on a tax-deferred basis.</span></div>
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<span style="font-family: Calibri, sans-serif;">Still confused? Sit down with us and let’s talk about which of these kinds of insurance fits your needs, both today and in the future. Don’t leave things to chance: protect your family. </span></div>
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<span style="font-family: Calibri, sans-serif; font-size: x-small;">“Not all companies are licensed or operate in all states. Not all products are offered in all states. Go to erieinsurance.com for company licensure and territory information.”</span></div>
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Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-5857040774820941632012-09-14T10:29:00.001-07:002012-09-14T10:29:21.197-07:00Nothin' But a Number<br />
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Many consider this a rude question, but we're going to ask
it anyway:<o:p></o:p></div>
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How old are you?<o:p></o:p></div>
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Don't worry, your secret's safe with us. But it's an
incredibly important question. Not because it determines how creaky your knees
are or whether or not you can rent a car -- but because it determines where you
should be on the road to a secure retirement. <o:p></o:p></div>
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When it comes to investing for your retirement, the rule of
thumb is the earlier, the better. The earlier you start investing, the more
time your money has to grow. <o:p></o:p></div>
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But, even if you haven't had time to let your money grow,
it's still not too late to invest. Better to start when you're 40 or 50 than
just to throw your hands up and not invest anything at all because it's “too
late.” It's never too late—you just might have a little catching up to do.<o:p></o:p></div>
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No matter where you are in your investing strategy, we want
to talk to you about how annuities, IRAs and other investments can help lead to
a better financial future for you and your family. <o:p></o:p></div>
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Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-25763570159307761092012-08-31T13:45:00.000-07:002012-08-31T13:45:35.212-07:00Insurance Tune-Up<br />
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You know that your car needs its oil changed every 3,000-5,000
miles. You know that your heating and air conditioning system needs to be
checked out every year. But what about an insurance tune up?<o:p></o:p></div>
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At <b>Serfass Insurance, </b>we do our best to make
sure you're up-to-date on all changes in your policies, changes in the law, and
other information you need to have. That's our job, after all. But it never
hurts for us to sit down every year and make sure you have all the coverage you
need at the price that fits your needs and your wallet. <o:p></o:p></div>
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Why is this so important? Because your life changes. Maybe
when you first started working with us, you were a fresh-faced graduate with a
car, and only needed auto insurance. When you bought your first house, we were
there to help you make sure you were covered in case of fire, burglary and
other homeowner hazards. All of this is common sense.<o:p></o:p></div>
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But did you remember to start saving for retirement? Or when
you got married and had your first child, did you buy life insurance to cover
your family in case of the worst? If not, it's not too late. Let's sit down and
really talk about what matters to you in life, and what's worth protecting.
Let's tune up your insurance, and make sure everything is still working. It'll
pay off in the long run.<o:p></o:p></div>
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Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-8159370954019182132012-08-23T07:03:00.000-07:002012-08-23T07:03:32.383-07:00Doing the Right Thing: ERIE Rate Lock<div class="MsoNormal">
You probably already know that many insurance companies
boost your rate for getting into accidents. But did you know that traffic
tickets can raise your rates, too?<o:p></o:p></div>
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Late to work one day and have a bit of lead foot? Rate
increase. Miss the speed limit sign? Rate increase. Forget to signal at a
light? Rate increase. Seems crazy, doesn’t it? You already were punished with a
pricy ticket, and then you find yourself hit again with a rate hike.<o:p></o:p></div>
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But insurance doesn’t have to be that way. When you choose ERIE
Rate Lock<sup>SM</sup>, you’re protected against rate increases due to traffic
tickets or accidents. After all, we’re your insurance company, not your driver’s
ed teacher—we don’t need to punish you every time you make a mistake. <o:p></o:p></div>
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Why does ERIE offer this feature to qualifying applicants when
so many other companies don’t? It’s simple: We think it’s the right thing to
do. A pretty radical stance, but we’ve been doing the right thing since 1925
when H.O. Hirt founded ERIE with the plan to offer commonsense service at
affordable prices. <o:p></o:p></div>
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Add some certainty to your auto insurance bill with ERIE Rate
Lock. Give us a call at <b>Serfass Insurance </b>today,
and let’s talk about whether ERIE Rate Lock makes sense for you. <b><o:p></o:p></b></div>
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<i><span style="color: #58595b; font-family: "Arial","sans-serif"; font-size: 8.5pt;">ERIE
Rate Lock does not guarantee continued insurance coverage. Insured must meet
applicable underwriting guidelines. Premium may change if you make a policy
change.</span><b><o:p></o:p></b></i></div>
Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-32602554014739301652012-06-08T08:13:00.000-07:002012-06-08T08:13:09.132-07:00Have Your Cake (and eat it, too)<div class="MsoNormal">
<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">Nothing
beats the personal touch. We all love it when someone asks how our kids are, or
remembers that we just took a vacation to Florida. It makes us feel special
when someone cares enough to treat us as an actual person with a family and a
life, rather than just another anonymous number in a huge machine.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">That’s
where your personal agent comes in. We’re the people you see at the grocery
store, or who you bump into on the sidewalk. And we genuinely want to know how
the kids are doing, what you did on your vacation, and that your house repairs
went off without a hitch. We want to know that you’re happy, and all is well.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">But
there are some advantages to having a big company behind you, too. Erie
Insurance is a financially stable Fortune 500 company with more than four
million policies in force. There’s strength in numbers.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">With
us, you get the best of both worlds. You get the hands-on interaction with an
ERIE agent who knows your name, your policy, and your situation. And you get
the comfort of knowing that standing behind every ERIE agent is a company that
has the resources you need. <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">Isn’t it great to have your cake and eat it too?<o:p></o:p></span></div>
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</div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-51455402047932207422012-05-11T11:57:00.000-07:002012-05-11T11:59:02.707-07:00Annuities for Any Budget<br />
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Some people think that annuities are expensive, that you
need to have thousands of dollars in the bank to buy into an annuity. While
there are some annuities that require a large single payment, Erie Insurance
offers many other options that can fit into many budgets:<o:p></o:p></div>
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<li class="MsoNormal">Flexible
Premium Deferred Annuity (FPDA): Think of the FPDA as the “pay as you go”
model of annuity. Rather than a large single payment, this annuity is
funded over time with either scheduled or intermittent payments into your
account. This allows you to fund the account slowly without a large
initial payment, and can be a great choice for building a retirement
account. You can enter a FPDA for as little as $300.<o:p></o:p></li>
<li class="MsoNormal">Single
Premium Immediate Annuity (SPIA): If you need an immediate source of
income, an SPIA may be right for you.* It does require an initial payment, but you begin receiving income right
away with no waiting. These payments can be limited to a certain period of
time, or can keep paying out for the rest of your life.<o:p></o:p></li>
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Premium Deferred Annuity (SPDA): If you have $10,000 or more to invest in
your future, an SPDA is an option. Choices include 3, 5 or 7-year
guaranteed payout terms. Depending on the amount of the deposit, there may
even be a first year bonus.<o:p></o:p></li>
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Don’t be scared away from annuities because you don’t have
thousands to invest. Call us today, and let’s talk about whether an annuity
fits your needs and your budget. <o:p></o:p></div>
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*Surrender charges and other penalties may apply to early withdrawal of
principal. See policy for details, or
call us to discuss.<o:p></o:p></div>
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</div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-13216519119000074542012-03-30T10:47:00.001-07:002012-03-30T10:47:12.446-07:00Nine Reasons to Check Your Coverage<br />
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As our lives change, so do our insurance needs. Letting us
know about changes can ensure that you have adequate insurance coverage through
Erie Insurance. Here are some examples of when to check your coverage:<br />
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<strong><span style="font-family: "Arial","sans-serif";">1. You’re remodeling or
building an addition to your property.</span></strong> When you hire the
contractor, request a certificate of insurance to confirm their liability and
workers’ compensation coverages. Review the certificate and your homeowners
policy with our agency. In some cases, remodeling projects can increase your
home’s reconstruction cost. <br />
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<strong><span style="font-family: "Arial","sans-serif";">2. Your teen starts
driving.</span></strong> If a teenager in your home is learning how to drive,
that means you’ll soon need to help them purchase insurance. We can guide you
through the process, find the best way to add them to your policy and provide
materials about safe driving behavior. <br />
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<strong><span style="font-family: "Arial","sans-serif";">3. You got a new job.</span></strong>
If you have accepted a position and the work commute is shorter or longer, call
us. A significant change in annual mileage could warrant a change in your auto
policy. (And that could save or cost you money.) <br />
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<strong><span style="font-family: "Arial","sans-serif";">4. You bought a new
ride.</span></strong> If you’ve purchased or leased a new or used vehicle, your
insurance policy needs to be updated. Car dealers are required by law to
confirm insurance coverage, but only you can make the necessary changes to your
policy to make sure you’re fully protected. <br />
<br />
<strong><span style="font-family: "Arial","sans-serif";">5. You’re saving a buck
with refinancing.</span></strong> When you’re taking advantage of lower
interest rates by refinancing your home or vehicle, your policy should be
updated to reflect any new mortgagee or lienholder. <br />
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<strong><span style="font-family: "Arial","sans-serif";">6. Your family’s growing
and changing.</span></strong> When you get married or welcome a new baby to the
family, the new responsibilities may warrant a change in your home, auto and
life insurance coverage. <br />
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<strong><span style="font-family: "Arial","sans-serif";">7. You’ve bought a
little luxury.</span></strong> When you purchase valuables such as a diamond
ring or a rare piece of art, you should contact your agent. Your homeowners
policy covers personal belongings and furnishings, but higher-valued items may
have coverage limitations. An endorsement may be advisable for more costly or
unusual items. <br />
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<strong><span style="font-family: "Arial","sans-serif";">8. You’ve decided to
work from home.</span></strong> If you’re starting a business out of your
house, let us know. Depending on the equipment and the nature of your work, an
endorsement or separate policy may be necessary to protect your investment and
liability exposures. <br />
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<strong><span style="font-family: "Arial","sans-serif";">9. It’s time to retire.</span></strong>
Ready to kick back and relax? We can help you maximize the benefits of your
retirement plan with a life insurance program.*<br />
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No matter what you’re considering, <a href="mailto:serfass@ptd.net">contact our
agency</a>. We will assist you with life, auto or home insurance policy changes
and insurance needs.*<br />
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Family Life insurance policies are not available in <st1:place w:st="on"><st1:state w:st="on">New York</st1:state></st1:place>.</span><o:p></o:p></span></em></div>
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<i>Not all companies are licensed or operate in all states. Not all
products are offered<o:p></o:p></i></div>
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<i>in all states. Go to erieinsurance.com for company licensure and
territory<o:p></o:p></i></div>
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<i>information.<o:p></o:p></i></div>
<br />Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-74180085494954624442012-03-19T09:06:00.000-07:002012-03-19T09:06:05.260-07:00Caring for Your Loved Ones<div class="MsoNormal">
<span style="color: windowtext;">We go to great lengths for
our loved ones. We work hard to provide them with a life filled with happiness,
comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our
loved ones. We re-arrange our schedules to never miss our kids’ sporting
events. We put in extra time at work to save up for that special family
vacation. We rush out of the office to make sure we’re home in time for dinner
with our loved ones.<o:p></o:p></span></div>
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<span style="color: windowtext;">But what if you died tomorrow
and were no longer around to provide for your family? Without your income and
all the other things you do for your loved ones, would they be able to maintain
their current lifestyle and keep future plans on track?<o:p></o:p></span></div>
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<span style="color: windowtext;">That’s where life insurance
comes in. It can’t put your family’s life back to how it was, but it can keep
your loved ones in the world they’ve always known. So if you think you need
life insurance (or more than you currently have), now is the time to do
something about it. What can say “I love you” better than a promise to provide
for the ones you love, even after you’re gone.*<o:p></o:p></span></div>
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<b><span style="color: windowtext;">Contact Us<o:p></o:p></span></b></div>
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<span style="color: windowtext;">For information about life
insurance policies that are available through Erie Family Life, </span><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><a href="mailto:serfass@ptd.net">contact</a></span><span style="color: windowtext;"> our
agency. We will help assess your life insurance needs.**<o:p></o:p></span></div>
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<em><span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">*Story
is reprinted courtesy of the Life Insurance Foundation for Education (LIFE), a
nonprofit organization. Go to</span></em><em><span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; font-style: normal; mso-bidi-font-style: italic;">
</span></em><a href="http://www.lifehappens.org/"><i><span style="font-size: 9.5pt; mso-bidi-font-family: Arial;">lifehappens.org</span></i></a><em><span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; font-style: normal; mso-bidi-font-style: italic;"> </span></em><em><span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">for more information. </span></em><o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<i><span style="color: windowtext;">**<st1:city w:st="on">Erie</st1:city> Family Life
insurance products are not available in <st1:state w:st="on"><st1:place w:st="on">New
York</st1:place></st1:state>.<o:p></o:p></span></i></div>
<div class="MsoNormal">
<i><span style="color: windowtext;"><br /></span></i></div>
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<i><span style="color: windowtext;"><br /></span></i></div>
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<i><span style="color: windowtext;"><br /></span></i></div>
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</div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>ERIE<sup>®</sup> insurance services are provided by one or more of the
following insurers: <st1:state w:st="on">Erie</st1:state><o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>Insurance Exchange, Erie Insurance Company, <st1:state w:st="on">Erie</st1:state>
Insurance Property & Casualty<o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>Company, Flagship City Insurance Company and <st1:state w:st="on">Erie</st1:state>
Family Life Insurance<o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of
New<o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<st1:state w:st="on"><i>York</i></st1:state><i> (home office: <st1:state w:st="on"><st1:state w:st="on">Rochester</st1:state>,
<st1:state w:st="on">New York</st1:state></st1:state>). Not all companies are
licensed or operate<o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>in all states. Not all products are offered in all states. Go to
erieinsurance.com for<o:p></o:p></i></div>
<div class="MsoNormal" style="text-indent: .25in;">
<i>company licensure and territory information.<o:p></o:p></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-83115137807864629282012-02-17T10:37:00.000-08:002012-02-17T10:37:26.132-08:00Something Old, Something New<div class="MsoNormal">
</div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">Modern cars can be
wonderful, but there's something about a classic that makes them timelessly
beautiful. Take the Model T, for instance. It was one of the first cars ever
mass-produced, but its distinctive high carriage, convertible roof and
endearing headlights never go out of style.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">Erie Insurance is a
little like that Model T. We've been around a long time—in fact; the Model T
was the most popular car when ERIE was founded way back in 1925. We got our
start insuring cars, back when they were still new-fangled horseless carriages.
And for the past 86 years, we've continued offering the same comprehensive,
attentive and timeless service. It's just a part of who we are.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">Don't get us
wrong—there's a place for the new and modern. But when it comes to protection
and service, you want the classic treatment. Come see why we are an <a href="http://www.erieinsurance.com/about/awardprofile.aspx"><span style="color: blue;">award-winning</span></a> car insurer and how we can
take care of your new-fashioned car with classic customer service. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<i><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; font-family: 'Times New Roman', serif; font-size: 12pt;">“All insurance products are
subject to terms, conditions and exclusions not described here; we can answer
any questions you may have.”</span></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-62152860186083092762012-02-03T06:32:00.000-08:002012-02-03T06:32:50.370-08:00Is Your Insurance Company Punishing You?<div class="MsoNormal">
As a driver, you try to do everything right. You check your
mirrors when you get in the car, always use your turn signal and never text behind
the wheel. But even the best drivers get into accidents sometimes—one little
mistake is all it takes.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Most insurance companies think that because you make one
little mistake, have one little accident, you should have to pay more in
insurance premiums. At Erie Insurance, we don’t think your one slip-up should
cost you more money. We’re all human, right? <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When you buy insurance through ERIE, you have the choice of
choosing a rate lock policy. Think of it as your “we’re only human” policy.
When you have ERIE Rate Lock<sup>SM</sup>, your rates won’t increase—no matter
how many accidents you might have. The only time your rate changes is when your
life changes: when your address changes, your vehicle changes or you add or
remove a driver from your policy.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It’s that simple. We think your auto insurance should
protect you, not punish you. Give us a call today to see whether you qualify and
let’s find out if rate lock makes sense for your life. No tricks, no gimmicks,
just seriously good insurance.<o:p></o:p></div>
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<i><span style="color: #58595b; font-family: Arial, sans-serif; font-size: 8.5pt;">ERIE
Rate Lock does not guarantee continued insurance coverage. Insured must meet
applicable underwriting guidelines. Premium may change if you make a policy
change.</span><b><o:p></o:p></b></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-31714750399790393322012-01-20T12:26:00.000-08:002012-01-20T12:27:02.293-08:00Guarding Your Investments<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><b>About 80 million baby boomers are
getting ready to retire in the next few years. Are you one of them? If so, Serfass Insurance has plenty of
options for your retirement needs, including traditional IRAs, Roth IRAs,
annuities, and 401(k)s. It’s never too
late to start preparing for retirement, and we can help.<o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><b>Have you chosen a life insurance
policy? Picking a policy can be a major
decision, but Serfass Insurance<i> </i>has
affordable options for everyone. Depending on your age and situation, we can help figure out the best plan for
you and your family. <o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><b>Do you need help with retirement
planning or picking a life insurance plan? If so, don't hesitate to <a href="mailto:serfass@ptd.net">contact us</a> <i>.</i> We’ll help you
figure out the best plan for you. And if you know anyone who needs help with
retirement planning, send them our way. We’ll take care of them. <o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><b><br /></b></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><b><br /></b></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
</div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><b>“Not all companies are licensed or operate in all states.
Not all products are offered in all states. Go to erieinsurance.com for company
licensure and territory information.”</b></span><o:p></o:p></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-34580838847137748782011-12-21T12:05:00.000-08:002011-12-21T12:06:36.950-08:00Snowflakes<br />
<div class="MsoNormal">
<span style="font-size: 12pt;">We
all know that no two snowflakes are alike. But since snowflakes tend to melt
pretty quickly, it’s more <span style="font-family: inherit;">important to remember that no two people are alike.
For instance, some people love to talk on the phone, while the mere thought of
a phone chat makes others turn green. Many people prefer to do everything on
the computer, while some like an old-fashioned face-to-face meeting.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit; font-size: 12pt;">And
that’s cool with us. You can get in touch with us any way you want. We’re
always here for you, to answer questions about your policy, make a change to
your coverage, or file a claim. Personalized attention is never more than a
phone call away.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><span style="font-size: 12pt;">But
if you prefer a cruise down the information superhighway instead, we can help
with that, too. Erie Insurance agents can be reached via e-mail (but remember,
never send us private information this way). If you prefer to the
do-it-yourself route, you can file claims online at </span><a href="http://www.erieinsurance.com/"><span style="font-size: 12pt;">http://www.erieinsurance.com</span></a><span style="font-size: 12pt;">, look at Frequently Asked Questions, get an auto
quote, or pay your bill with a few clicks of your mouse. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit; font-size: 12pt;">You
should never dread getting a call from your insurance agent. So let us know:
how can we contact you? We’ll listen.<o:p></o:p></span></div>
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<span style="font-size: 12pt;"><br /></span></div>
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<span style="font-size: 12pt;"><br /></span></div>
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</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“Not all companies are licensed or operate in all states.
Not all products are offered in all states. Go to erieinsurance.com for company
licensure and territory information.”<o:p></o:p></div>
<br />Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-89658890576244969302011-12-02T12:42:00.001-08:002011-12-21T12:06:53.191-08:00Talk To Us<span style="font-family: inherit;">No one liked taking tests in school:
there was the studying beforehand, the stress during -- and the worst part --
waiting for results. But when you finally got that paper back with your grade
scrawled on the top, you knew where you stood: what you knew, what you didn’t
know and where you had to improve.</span><br />
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: inherit;">Most of us don’t sit down and take
tests like this anymore, but it’s still important to know how we’re
doing—especially if you own a small business like Serfass Insurance<i>. </i>We do our best to help clients like you
every day. We try to make your life easier by offering the best possible
coverage with the best possible personal service to back it up.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: inherit;">How are we doing? Are you getting the
service you expect<i>?</i> Are we exceeding your expectations, or falling just a little
short? We want to know. <a href="mailto:serfass@ptd.net">Click here</a> to send us your thoughts, or pick up the phone and call us at 610-681-5785<b> </b>anytime, and tell us: How are we
doing?</span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: inherit;">If you feel we’re earning our A—thanks!
The next time someone asks you “Hey, do you know anyone who can help us with
our insurance?” maybe you’ll keep us in mind and tell them about Serfass Insurance<i>.</i><b> </b>That’s the best test grade we could
ever have.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<span style="font-family: inherit;"><br /></span><br />
<span style="font-family: inherit;"><br /></span><br />
<span style="font-family: inherit;"><br /></span><br />
<span style="font-family: inherit;">“Not all companies are licensed or operate in all states. Not all products are offered in all states. Go to erieinsurance.com for company licensure and territory information.”
</span></div>
<div class="MsoNormal" style="margin-top: 12.0pt;">
<br /></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-67137024092779539702011-11-17T12:46:00.001-08:002011-12-02T09:07:25.108-08:00An Ounce of Prevention<div class="MsoNormal">
<span style="font-family: Calibri, sans-serif;">Turns out, your mom was right when she always said “an ounce
of prevention is worth a pound of cure.” Whether you’re maintaining your home
or your car, a few easy preventative steps can keep your home in tip-top shape,
and your car purring like a kitten.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: Calibri, sans-serif;">Home
Maintenance:<o:p></o:p></span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-family: Calibri, sans-serif;">Clean
up any water spills immediately to prevent mold growth. Exhaust fans can
help draw out excess moisture as well.<o:p></o:p></span></li>
<li class="MsoNormal"><span style="font-family: Calibri, sans-serif;">Even
if you think you live in a safe town, lock your doors and windows at night
and when you leave. It’s a tiny step that can keep you safe just in case
someone with sticky fingers slides into town.<o:p></o:p></span></li>
<li class="MsoNormal"><span style="font-family: Calibri, sans-serif;">Only
you can prevent house fires. All right, it’s not exactly how the saying
goes, but by making sure that your smoke alarms are in working order, and
that you have fire extinguishers strategically located, you can greatly
reduce your chance of serious house fires.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: Calibri, sans-serif;">Auto
Maintenance:<o:p></o:p></span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Change your oil regularly</span></b><span style="font-family: Calibri, sans-serif;">.
Oil keeps your engine lubricated, reduces friction and reduces nasty
sludge from building up in your engine. Regular oil changes can keep your
car running better for longer.<b><o:p></o:p></b></span></li>
<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Replace your windshield wipers
every six months</span></b><span style="font-family: Calibri, sans-serif;">. If you see streaks on your windshield
or hear strange squeaking sounds, it’s time for a new set of windshield
wipers. A new set of wipers can significantly improve your vision during
bad weather, which might make all the difference in the world.<b><o:p></o:p></b></span></li>
<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Rotate your tires</span></b><span style="font-family: Calibri, sans-serif;">.
Your front and rear tires wear differently, and rotating them can help
increase their lifespan and prevent blowouts. Every car is different, but
many tire manufacturers recommend rotating your tires every 6,000-8,000
miles.<b><o:p></o:p></b></span></li>
</ul>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: Calibri, sans-serif;">By following these simple steps, you can reduce your chances
of car and home trouble, and save yourself time, hassle and money. Want another
way to save those things? Bundle your insurance with <st1:place w:st="on"><st1:city w:st="on">ERIE</st1:city></st1:place>. By covering your home and car both
through us, you’ll pay less, and have the peace of mind of having just one
insurance Agent to turn to whenever the need strikes. Call us to learn more.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span style="font-family: Calibri, sans-serif;"><br /></span></div>
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<span style="font-family: Calibri, sans-serif;"><br /></span></div>
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</div>
<div class="MsoNormal">
<i><span style="background-attachment: initial; background-clip: initial; background-color: yellow; background-image: initial; background-origin: initial;">“All
insurance products are subject to terms, conditions and exclusions not
described here; we can answer any questions you may have.”</span><o:p></o:p></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-83603704794091206672011-11-04T12:26:00.000-07:002011-12-02T09:08:24.499-08:00Trying to Save Money? Avoid these Mistakes<div class="MsoNormal">
With nearly one in 10 Americans out of work, and others
forced to make ends meet with less money, many people are looking for ways to
cut costs. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There are many ways to save on home and auto insurance. Be
careful, though, not to make mistakes that could result in your being
dangerously underinsured.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“When money is tight, it’s extremely important to be
financially protected against a catastrophe with the right amount and type of
insurance,” said Jeanne M. Salvatore, senior vice president and consumer
spokesperson for the <a href="http://www.iii.org/">Insurance Information
Institute</a> (I.I.I.). “By taking a few simple steps, it is possible to cut
costs and still be protected should disaster strike.”<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
According to the I.I.I., these are the five biggest
insurance mistakes that people often make:<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>1. Insuring a home
for its market value rather than for the cost of rebuilding.</b> When real
estate prices go down, some homeowners may think they can reduce the amount of
insurance on their home. Insurance is designed to cover the cost of rebuilding,
not the sales price of the home. You should make sure that you have enough
coverage to completely rebuild your home and replace your belongings. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i>A better way to save:</i>
Raise your deductible. An increase from $500 to $1,000 could save you up to 25
percent on your premium payments.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>2. Selecting an
insurance company by price alone.</b> It is important to choose a company with
competitive prices, but also one that is financially sound and provides good
customer service. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i>A better way to save:</i>
Check the financial health of a company with independent rating agencies. You
should select an insurance company that will respond to your needs and handle
claims fairly and efficiently. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Financially strong insurers like Erie Insurance have the
financial wherewithal to ensure that payment is made when it’s due. <st1:city w:st="on"><st1:place w:st="on">ERIE</st1:place></st1:city> has an A.M. Best
rating of A+ (superior) with a stable financial outlook. Additionally, <st1:city w:st="on"><st1:place w:st="on">ERIE</st1:place></st1:city> ranks among the 50
top performing insurance companies, according to the Ward Group, which analyzes
the financial performance of 3,000 property-casualty companies. <st1:city w:st="on"><st1:place w:st="on">ERIE</st1:place></st1:city> has also won awards
for customer satisfaction and claim service by independent organizations. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>3. Dropping flood
insurance.</b> Damage from flooding is not covered under standard homeowners
and renters insurance policies. Many homeowners are unaware they are at risk
for flooding. Coverage is available from the <a href="http://www.floodsmart.gov/">National Flood Insurance Program</a> (NFIP),
as well as from some private insurance companies. Erie Insurance offers coverage through
American Bankers. <o:p></o:p></div>
<i>A better way to save:</i> All types of
homes, including condominiums, are eligible for flood insurance. You can even purchase
flood insurance to protect your contents if you rent your home. It’s a good
idea to start the process as soon as you can because most flood insurance
policies have at least a 30-day waiting period before they take effect. If you’re
already living in a flood zone area, <a href="http://www.floodsmart.gov/floodsmart/pages/preparation_recovery/before_a_flood.jsp">look
at mitigation efforts</a> that can reduce your risk of flood damage. Before
purchasing a home, check with the NFIP to determine if it’s in a flood zone; if
so, consider a less risky area.<o:p></o:p><br />
<div class="MsoNormal">
<b>4. Only purchasing
the legally required amount of liability coverage for your car</b>. In today’s
litigious society, buying only the minimum amount of liability coverage means
you are more likely to have to make out-of-pocket payments — and those costs
may be steep.<o:p></o:p></div>
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<i>A better way to save:</i>
The insurance industry and consumer groups generally recommend a minimum of
$100,000 of bodily injury liability protection per person and $300,000 per
accident. Also, consider dropping collision and/or comprehensive coverage
on older cars worth less than $1,000.<o:p></o:p></div>
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<b>5. Neglecting to buy
renters insurance.</b> A renters policy covers your possessions and additional
living expenses if you have to move out due to a disaster. Equally important,
it provides liability protection in the event someone is injured in your home
and decides to sue. <o:p></o:p></div>
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<i>A better way to save:</i>
Look into multi-policy discounts. Buying several policies with the same
insurer, such as renters, auto and life will generally provide savings. <o:p></o:p></div>
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<span style="font-family: 'Times New Roman', serif;">For more information about how you could save money on
your insurance policies, <u><a href="mailto:serfass@ptd.net">contact our agency</a></u>. We can answer your questions and review your
insurance coverage needs.</span><br />
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<i>Not all companies are licensed or
operate in all states. Not all products are offered<o:p></o:p></i></div>
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<i>in all states. Go to erieinsurance.com
for company licensure and territory<o:p></o:p></i></div>
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<i>information.<span class="Apple-style-span" style="font-size: x-small;"><o:p></o:p></span></i></div>
</div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-89892160317967685592011-10-28T11:03:00.000-07:002011-12-02T09:08:37.346-08:00Human Happens<div class="MsoNormal">
You probably come to a full halt at stop signs, always use
your turn signals and never speed through a yellow light. But even the best
drivers all have one thing in common: we're all human, and humans make
mistakes.<o:p></o:p></div>
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Maybe you forgot to look both ways before making that right
turn on red, or you were following the car in front of you just a smidge too
closely. It happens to the best of us. With most auto insurance companies, one
human slip-up might be enough to send your premiums sky high. Luckily, Erie
Insurance isn't like most insurance companies.<o:p></o:p></div>
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We offer two different types of accident forgiveness. <b>First
Accident Forgiveness</b> lets you off the hook for your first at-fault
accident, with no surcharge. The second is called <b>Feature 15</b>. This special forgiveness means that after 15 continuous
years of holding your car insurance with ERIE, you'll never get surcharged for another
at-fault accident again. It's just our little way of rewarding your loyalty.<o:p></o:p></div>
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So keep your eyes on the road, your hands on the wheel and
your head in the game. We never want you to have an accident. But just in case
you, we'll help get you back on your feet as soon as you can.<o:p></o:p></div>
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Call us today to learn about how accident forgiveness and
other discounts and extras can save you money on your auto insurance.<o:p></o:p></div>
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<i><span style="background-attachment: initial; background-clip: initial; background-color: yellow; background-image: initial; background-origin: initial; font-family: 'Times New Roman', serif;">“All insurance products are
subject to terms, conditions and exclusions not described here; we can answer
any questions you may have.”</span></i></div>
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<br /></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-37273827154522459192011-10-21T08:38:00.000-07:002011-12-02T09:08:48.031-08:00Friend and Foe<div class="MsoNormal">
<span style="font-family: Calibri, sans-serif;">Fire is man’s oldest ally -- and our oldest enemy. We use it
for cooking, for warmth, for electricity and light, but sometimes, it can turn
on us. More than 3,500 Americans die every year in house fires, and more than
18,000 are injured. Take the time to protect your family and your home from
fire damage with a few simple tips:<o:p></o:p></span></div>
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<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Electrical fires</span></b><span style="font-family: Calibri, sans-serif;">:
A little common sense can go a long way in keeping your home safe from
electrical fire. Don’t overload circuits, and immediately unplug any
device that sputters, sparks or smokes. Don’t run cords under rugs or
other flammable items.<o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Kitchen fires</span></b><span style="font-family: Calibri, sans-serif;">:
Fire cooks our food, but it can all too easily get out of hand. Make sure to
never leave a pot on the stove unattended, and keep towels and other
flammable items away from burners. Remember that if you have a grease
fire, adding water to the flames will only make the problem worse. Keep an
approved chemical fire extinguisher in easy reach.<o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: Calibri, sans-serif;">Smoke alarms</span></b><span style="font-family: Calibri, sans-serif;">:
Having a working smoke alarm in your house can double your chances of
survival in a fire. Test the alarm every month, and make sure it always
has fresh batteries. A great way to remember to change the batteries is to
change them when you change your clocks for Daylight Saving Time.<o:p></o:p></span></li>
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<span style="font-family: Calibri, sans-serif;">These few simple tips can keep you and your home safe from
the ravages of fire. Call us today for more information on fire safety—and how
you can receive discounts for being fire wise. We can also talk about bundling
in your auto policy, and saving you even more money—and peace of mind.<o:p></o:p></span></div>
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<span style="font-family: Calibri, sans-serif;"><i><span style="background-attachment: initial; background-clip: initial; background-color: yellow; background-image: initial; background-origin: initial; font-family: 'Times New Roman', serif;">“All insurance products are
subject to terms, conditions and exclusions not described here; we can answer
any questions you may have.”</span></i></span></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-12316806577973806092011-10-14T13:13:00.000-07:002011-12-02T09:10:46.812-08:00Hit by an Uninsured Driver. Now What?<br />
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You try to do everything by the book, but not everyone does.
You do your best to protect yourself and your vehicle with auto insurance, but
uninsured drivers are out there every day. A 2011 study by the Insurance
Research Council estimates that 1 in 7 drivers are uninsured. So chances are
pretty good that you might wind up in an accident with a driver with no
insurance. What happens now?<o:p></o:p></div>
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Luckily, you can protect yourself with Uninsured Motorist
Coverage. This add-on policy is exactly what it sounds like: extra coverage
that makes sure you aren't left holding the bill if you're injured in an
accident with an uninsured driver. Expenses for injuries from car accidents can
add up quickly, and without insurance, the financial hardships can be tough to
overcome.<o:p></o:p></div>
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Another add-on is Underinsured Motorist Coverage. Some
drivers meet the minimum state requirements for insurance, but the payouts are
too small to help you in the case of serious injuries. That's where ERIE's
coverage comes in, making sure that you get just compensation for your
injuries—even if the other driver’s insurance isn’t sufficient to make that
happen. <o:p></o:p></div>
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We're just doing our best to look out for you. If you have
any questions or are interested in adding uninsured or underinsured coverage to
your policy, let us know, and we'll be glad to walk you through the whole
process. Stay safe out there!<o:p></o:p></div>
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<i><span style="background-attachment: initial; background-clip: initial; background-color: yellow; background-image: initial; background-origin: initial; font-family: 'Times New Roman', serif;">“All insurance products are
subject to terms, conditions and exclusions not described here; we can answer
any questions you may have.”</span></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-53176627352341039772011-10-10T08:47:00.000-07:002011-12-02T09:10:38.789-08:00What to Do After an Accident<div class="MsoNormal" style="margin: 0in 0in 0pt;">
The screech of tires. The shriek of brakes. The tinkle of broken glass. These aren't sounds that anyone wants to hear, but car accidents are part of modern life. How you react after an accident can make the process of getting back on your feet a lot easier. So keep calm and start picking up the pieces. Here’s a checklist to keep in mind:</div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Get out of the way--: </b>If the accident happened in the middle of the street, move to the shoulder or another safe location to check the extent of damages.</div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Check for injuries: </b>Are you okay? Your passengers? The people in the other car? Safety should be your number one priority. If you're in doubt, call 911.</div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Call the police if necessary: </b>If there are injuries, extensive damage, property damage, or you need help moving your cars out of the roadway, call the police. Afterward, make sure you get a copy of their report.</div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Exchange insurance information: </b>So you can make a claim, make sure you get the other driver's name, phone number, address, license plate number, make, model and year of the vehicle, and insurance number. No need to discuss who's at fault in the accident. The claims investigation will clear that up. </div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Document: </b>Take careful note of the scene. If you have a smart phone or camera with you, pictures can be a huge help. If there are witnesses, don't interview them yourself—just get their name and number.</div>
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<span style="font-family: 'Wingdings 2';">ñ<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><b>Call your Agent:</b> Call us any time, and we'll get the ball rolling on your claim right away.</div>
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And that's it—we'll take it from here. By keeping a cool head and following these simple steps, you'll have a great foundation to a quick, painless claim. Have other questions about what to do after an accident? We're always here to help.</div>
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<i style="mso-bidi-font-style: normal;"><span style="background-color: yellow;"><span style="background-attachment: initial; background-clip: initial; background-color: yellow; background-image: initial; background-origin: initial;">“All insurance products are subject to terms, conditions and exclusions not described here; we can answer any questions you may have.”</span></span></i></div>Serfass Insurance Agencyhttp://www.blogger.com/profile/01427805788403670263noreply@blogger.com0tag:blogger.com,1999:blog-3033484694290380801.post-78256397724412901082011-09-29T12:40:00.000-07:002011-12-02T09:10:30.174-08:00Seriously Good Insurance<div class="MsoNormal" style="margin: 0in 0in 0pt;">
You gotta love the Super Bowl. Not only do you get the gridiron excitement of football, you also get the best commercials the year has to offer. There are funny ones advertising beer and snack foods, touching ones that remind us of our childhood, and of course insurance ads.</div>
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Turn your TV to any channel, any time of the day or night, and wait for the commercial break. Odds are good you'll see an ad for an insurance company. According to <i style="mso-bidi-font-style: normal;">Ad Age</i> magazine, insurance companies spent $4.15 billion on advertising in 2009 alone. That's more than the gross national product of Barbados. </div>
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But chances are you haven't seen a whole lot of ads for Erie Insurance. We’re not about funny advertising. We’re about seriously good insurance. We know that if we give you amazing, personalized service, you'll tell your friends about us. And they'll tell their friends. And that's ultimately better than all the ads in the world. </div>
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So next time you see a funny ad for an insurance company, consider this. At Erie Insurance, we put smiles on our customers’ faces by delivering the best service in the industry. No joke. </div>
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