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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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.