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2017 Newsletter Feb Final2

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T O D D & A M Y M A R A Z I TA’ S<br />

THE “WOW” EXPERIENCE<br />

PROTECTING WHAT MATTERS MOST SINCE 1960<br />

From Our Staff To YOU...Happy Valentines Day!<br />

Ring Shopping…<br />

Things Guys Need to Know!<br />

Valentine’s Treat


MUST READ:<br />

The Client Of The Month Is ...<br />

Welcome to the “You May Not Be Properly Covered If”<br />

section. Each edition will feature a few exposures that are<br />

common gaps in insurance programs. Be sure to read each<br />

one, and give us a call if you have any questions about<br />

your coverage.<br />

You may not be properly<br />

covered if…<br />

<br />

<br />

<br />

<br />

You belong to a condo or homeowners association and<br />

do not have Loss Assessment coverage.<br />

You get into an accident and need a substitute car and<br />

don’t have Rental Reimbursement.<br />

You do business over the internet and do not have<br />

Cyber Liability.<br />

You have a business operated from your home and do<br />

not have business protection.<br />

Have you been in for an account review recently?<br />

Be sure to schedule one with us especially if you have<br />

any recent changes in life (marriage, job change, new<br />

purchase, etc.). Call 269.782.2123 today!<br />

Ring Shopping: A Guy’s Guide<br />

1. Budget - Set a clear budget before shopping. You need to be<br />

realistic about what you can afford.<br />

2. Avoid Getting Ripped Off - When seeking a reputable jeweler,<br />

consider: Credentials and certifications, read online reviews, and<br />

BBB ratings.<br />

3. Finding the Right Style - Take a look in her jewelry box, watch<br />

what she wears or ask her friends.<br />

4. The Four C’s - Cut, color, carat (weight), and clarity.<br />

5. Shape Does Matter - Round cuts are the market leader, but don’t<br />

exclude princess, oval, as her and emerald cuts.<br />

6. Protecting Your Investment - Since an engagement ring will be<br />

something she wears forever, you’ll want to make sure it’s protected<br />

as well. Options include getting a replacement insurance policy<br />

through your jeweler or adding its value to your home or rental<br />

insurance.<br />

Thank YOU Paramount Plastics, Elkhart, IN<br />

Pictured Pat Stover, Controller with Commercial<br />

Protection Leader/Owner Amy Marazita<br />

Thank You Paramount Plastics<br />

For Your Business!<br />

An Attitude of Gratitude<br />

Bonnie Ferrier<br />

Kathleen Thallemer<br />

Glenn Millin<br />

Troy Styx<br />

Megan Rick<br />

Michael Richmond<br />

Michelle White<br />

Allen Stanton<br />

Royce Dunnuck<br />

Sue Sampsell<br />

Tammy Williams<br />

Andi Walling<br />

Michael Carroll<br />

Henry Clark<br />

Thank You!<br />

A referral is the highest compliment you can give<br />

us… and to show our appreciation, we want to<br />

give something back to you and to our local<br />

foodbank for the homeless!<br />

DONATION CORNER!<br />

$119 YTD To Our<br />

Local Food Banks!<br />

**$8.50 For Every Client Referral<br />

MISSION STATEMENT<br />

“The mission of John Scott Insurance is to honor God by providing quality insurance protection,<br />

establishing a successful partnership with each client and insurance company, and providing<br />

a dependable and friendly customer experience.”


Policy Deductible Increases:<br />

The Safer Way To SAVE Premium Dollars<br />

Money is still tight for many Americans, meaning most are still<br />

looking to save when and where they can. Your insurance policies<br />

might be a place to cut costs. However, you need to be careful<br />

where and how you choose saving money in this area so that you<br />

do not jeopardize the needed protections offered by your policies<br />

coverage.<br />

Two typical areas that many of our clients inquire about are<br />

reducing the dwelling or liability limits on their Homeowners<br />

policy and the liability limits on their Auto policy.<br />

Cutting the liability limits on these policies leaves you highly<br />

vulnerable to risk and most likely will not save you much money<br />

over the long run. It really isn't worth it when you stop to think<br />

about how much you could lose if you were sued after someone<br />

was injured in your home or resulting from an auto accident.<br />

A much more prudent way to decrease your premiums is by<br />

increasing the deductibles for your policies. A deductible increase<br />

from $250 to $500 could save you up to 5% to 15% on your<br />

Homeowners premium. Raising the comp & collision deductibles<br />

on your Auto insurance policy to $500 or $1,000 dollars could<br />

provide you a nice savings as well.<br />

Some consumers get nervous about not having the $500 to cover<br />

their newly raised deductible should they need to file a claim.<br />

Since the situation doesn't involve thousands of dollars in<br />

difference, it's likely to be just as difficult for most people to come<br />

up with $500 as it would be $250. The only difference will be that<br />

the extra premium savings can be saved and set aside to cover the<br />

higher deductible for any future claims. In most cases, the<br />

additional $250 could be saved in less than 24 months.<br />

If you're nervous about taking the larger leap to a $1,000<br />

deductible, then you can always take a slow and steady approach.<br />

You might increase your deductible to $500 first. You can open a<br />

savings account for the premium dollars you'll save each month<br />

from having a slightly higher deductible. Although it might take<br />

some time, you can eventually raise your deductible to $1,000<br />

when you have saved $500 to $750 dollars in the account.<br />

Unlike lowering limits, deductible raises can save you money<br />

without placing you at a greater financial risk.<br />

If you have any questions about your insurance policy deductible<br />

and how much savings are available, call us today at<br />

269.782.2123. We are always here to help you.<br />

Thank you for the opportunity to protect and serve you!<br />

We Support Our<br />

Troops!<br />

On Fridays we wear<br />

Red, White, and Blue!<br />

Leader Spotlight<br />

Meet Nikki Reed,<br />

Personal Protection Leader<br />

Favorite Book<br />

The Notebook by Nicholas Sparks<br />

Favorite hobbies:<br />

Attending Kids Sporting Events<br />

Someone I admire:<br />

My Mother<br />

I’m most proud of:<br />

My 4 Children<br />

Nikki has been a valuable part of our<br />

Protection team since 2016.<br />

Call today and say hello!<br />

Downloaded Our Mobile App TODAY!<br />

Now you can access and manage your insurance<br />

protection program from the convenience of your<br />

smartphone. Simply…<br />

1) Download the App<br />

2) Click Register<br />

3) Select John Scott Insurance<br />

John Scott Insurance<br />

What you can do with our App:<br />

Quick Access to Agency<br />

Contact Information<br />

Save a Copy of Your Auto<br />

Proof of Insurance<br />

Easy and Convenient<br />

Submission of Policy Changes<br />

and Claims.<br />

Ability to Pay Your Bill Online<br />

Auto Accident Claim Kit! Every Household Driver<br />

Needs This!<br />

Effortless Property/Home Inventory Tool for Policy<br />

Reviews, Claims, and Estate Planning<br />

Important Agency Alerts and Notifications<br />

This mobile service is free to our valued clients and<br />

friends. Download Today:


JOHN SCOTT INSURANCE<br />

Protecting What Matters Most<br />

105 Commercial Street • Dowagiac, MI • 49047<br />

PRESORT STANDARD<br />

U.S. POSTAGE PAID<br />

Permit No. 02<br />

Dowagiac, MI 49047<br />

After Hours<br />

EMERGENCY CLAIMS<br />

Hotline<br />

269-782-2123<br />

269-695-1200<br />

Providing 24/7/365 Service<br />

“You have helped us tremendously financially.<br />

Our auto insurance has been nearly cut in<br />

half due to the research of the employees.<br />

Thank you so much.”<br />

Brian & Vanessa Rudlaff, Niles, MI<br />

With Gratitude We Thank Our<br />

Referrer Of The Month Winner<br />

Bonnie<br />

Ferrier<br />

Congratulations & Thank You to<br />

Bonnie Ferrier of Niles, MI<br />

As our Referrer of the Month!<br />

As the winner of our monthly drawing she received a<br />

FREE $50 gift card to a restaurant of her choice!<br />

EVERY referral earns an entry into our...<br />

Monthly, Quarterly, and Grand Prize Drawings!!!<br />

Have Someone Call 800.810.2123 or<br />

Visit www.ReferralsRock.com Today!<br />

Ingredients<br />

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<br />

Red Velvet Cupcakes<br />

1/2 cup butter<br />

1 1/2 cups white sugar<br />

2 eggs<br />

1 cup buttermilk<br />

1 fluid ounce red food coloring<br />

1 teaspoon vanilla extract<br />

1 1/2 teaspoons baking soda<br />

1 tablespoon distilled white vinegar<br />

2 cups all-purpose flour<br />

1/3 cup unsweetened cocoa powder<br />

Directions:<br />

1. Preheat oven to 350 degrees F (175 degrees C). Grease<br />

two 12 cup muffin pans or line with 20 paper baking cups.<br />

2. In a large bowl, beat the butter and sugar with an electric<br />

mixer until light and fluffy. Mix in the eggs, buttermilk, red<br />

food coloring and vanilla. Stir in the baking soda and<br />

vinegar. Combine the flour, cocoa powder and salt; stir<br />

into the batter just until blended. Spoon the batter into the<br />

prepared cups, dividing evenly.<br />

3. Bake in the preheated oven until the tops spring back<br />

when lightly pressed, 20 to 25 minutes. Cool in the pan set<br />

over a wire rack. When cool, arrange the cupcakes on a<br />

serving platter and frost with desired frosting.

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