First Pioneer Insurance Agency has achieved the On Your Side® Master Farm Certification designation from Nationwide Agribusiness Insurance Company, Des Moines, IA. Master Farm Certification is the next step in Nationwide Agribusiness’ On Your Side Farm Certification program. Farmers can depend on a Master Farm Certified agent to have an in-depth understanding of their farming operations, provide detailed risk assessments, educate them about exposures, match coverages to meet their needs, and provide professional, knowledgeable service.
“We’re excited First Pioneer Insurance Agency has become Master Certified,” said Clayton Evans, Agency Vice President. “We have made a commitment to help protect farmers with the highest levels of professionalism and service. Master certification tells our farmers that we’ll keep investing in training to be sure we’re positioned to help protect them now and into the future.”
The Master Farm Certified designation is also in ...
Read the rest of entry »
We have officially kicked off our 4-H Facebook Event where we are giving 4-H’ers across North Carolina a chance to receive a $500 donation for their 4-H project or activity! This event is open to all active NC 4-H members currently working on a project or activity.
To enter 4-H’ers or their parent/guardian’s simply need to email michellev@pioneerinsurance.com a photo of their project along with their name, county, and a brief description of what they’re working on. If the 4-H’er is under 18, please include the parent/guardian consent to participate. We will then load it on our Facebook page where they can have family and friends “like it”. The photo with the most “likes” on March 30th will receive a $500 donation to use toward their project or attending 4-H camp this summer!
For every “like”, we will also donate $1 towards sending kids to 4-H camp (up to $1,000). Entries will be grouped by county, and the money ...
Read the rest of entry »
Valentine's Day is special holiday celebrated by millions of Americans every year, unfortunantely it can be a dangerous holiday for their pets. These are a couple of tips to reduce risk of illness or injury to your pet.
Pet-proof Bouquets
Many feline owners are not aware that lilys are potentially fatal if ingested. If your cat is showing systems of an as stomach upset, vomiting or diarrhea they need to be given medical attention in the case of lily poisoning. Consult an online toxic/nontoxic plant guide if you know that the recipient you are sending flowers too is a cat owner.
Stay off the Sweets
Pet owners should also know that chocolate can also potentially harm your pet. Baker’s, semi sweet, milk and darker chocolates contain methylxanthines, a caffeine stimulant that can pose a risk to your pet’s gastrointestinal, neurologic and cardiac systems. Vomiting or diarrhea, hyperactivity, seizures and an abnormally elevated heart rate are symptoms that your pet may have ingested chocolat ...
Read the rest of entry »
It is important that you know your rights and limitations of coverage as defined in your health insurance policy. It is your insurance provider’s job to know the laws, wordings, restrictions and regulations that may impact your policy. This is not an exhaustive list of terms and lingo you may come across in your policy. If you want to get the most out of your policy be sure that you are familiar with these terms so that you can effectively communicate with your insurer and healthcare provider.
Traditional Health Insurance- a type of health insurance policy where the policyholder is cover by their insurer to choose any physician or hospital they would like the receive treatment at.
This means that typically their premiums will be higher than other types of health insurance plans.
Short-Term Medical Insurance- is an inexpensive type of insurance that runs for a period of time up to six months. This type of insurance often has stricter pre-existing medical conditions limits and doesn’t cove ...
Read the rest of entry »
Understanding life insurance can be difficult at best, and we all know how imperative it is to have life insurance. There are several types of life insurance and terminology used in each that are often different across the board. When making such an important decision with deciding what insurance policy is best for your needs you need to know exactly what your coverage includes and address any questions you may have.
Beneficiary- individual(s) designated to receive the death benefit in the event of the insured person's death
Cash (Surrender) Value- money accumulated in a Life Insurance policy while the policy is in force
Convertible Term Insurance- type of Term Life Insurance can be converted into a Whole Life Insurance policy or a Universal Life Insurance policy without evidence of insurability
Death Benefit- sum of money paid to the beneficiary upon the insured's death regardless of the cause of death
Dividend- additional monetary value you can receive from Participating Whole Life Insurance policy th ...
Read the rest of entry »
Every homeowner should understand their Homeowners Insurance policy in terms of its exclusions and extent of coverage. It will help your insurance agent if you are familiar with your policy and able to ask them any questions you may have about changes when you are reviewing it.
Homeowners Insurance (also known as Home Insurance, Hazard Insurance, HOI) - is a type of insurance that protects the insured property against losses. Most often those losses occur from disasters such as fire, lightning, storms, explosions as well as theft or vandalism
Personal Property- is defined as any property of an insured individual other than real estate. Include: personal effects, movable property, personal goods and chattels. (jewelry, equipment, cars, furniture, and pets)
Real estate- is defined as any land, permanent buildings on the land
Appraisal- is an evaluation of a claim by an authorized expert whose job it is to decide the property value or damaged property value
Cancellation- is the termination of a home insur ...
Read the rest of entry »
These are some commonly used terms with definitions that you may come across when looking at your car insurance policy. Today is the first day of our Insurance Lingo Series, tomorrow we will be covering some Home Insurance Lingo. Check back each day this week for more information!
Benefit- is the amount of money an insurance company pays you or the beneficiary when you file a claim due to an accident
Bodily Injury- type of liability within Car Insurance. It covers medical and rehabilitation expenses for injuries the policyholder causes to another party.
Claims Adjuster- someone whose job is to investigate the claim, i.e. evaluate the damage caused to property or people when an insurance-related accident occurs and then make recommendations upon the findings.
Collision- type of Car Insurance, protects against damage or loss resulting from any collision with another car or some object, independent of whether it was the insured person's fault or not.
Comprehensive- type of Car Insurance, offers prot ...
Read the rest of entry »
Navigating the insurance world can often be a challenge. It is compounded upon when you have difficulties understanding the terminology in your policy. As insurance agents it is our job to make sure that you fully understand your coverage and answer any questions you may have. You may at times want to refer back to your policy in regards to a claim or a change that may need to be made. This week we will be posting a new blog each day going over some “Lingo” that you may be unfamiliar with. This will not be an exhaustive list and may not exactly apply in the same way to your insurance policy to be sure you should always check with your agent. Our agents can be reached at 800-547-1495.
Tuesday, February 7: Auto Insurance Lingo
Wednesday, February 8: Home Insurance Lingo
Thursday, February 9: Health Insurance Lingo
Friday, February 10: Life Insurance Lingo
Be sure to check back each day for the update and add us to your favorites for future reference!
Sunday, February 5th wraps up National Football League’s 2011 season with Super Bowl 46. Considered one of the most watched American television broadcast, Super Bowl 46 ensues gatherings, social events and a significant amount of chips and dip. As many people begin planning their Super Bowl activities, you as a party go’er or party thrower should keep in mind a few risk of the party that you may not realize until after the potential damage is done.
Limit the booze: A staple of most Super Bowl parties is intoxicating beverages of some sort. No matter the beverage you choose, there have got to be limits, and here’s why: as a homeowner you are ultimately accountable for any accidents that take place caused by over consumption of your guests. Seems hard to believe but there have been many lawsuits brought against hosts who served alcohol to a guest who over-consumes and later experienced an accident or injury. So keep a responsible eye on your visitors and don’t be anxi ...
Read the rest of entry »
The Punxsutawney Groundhog Club revealed earlier this morning in central Pennsylvania that Punxsutawney Phil saw his shadow, thus calling for six more weeks of winter.
What Does This Mean For Winter Weather?
Groundhog Day has remained a celebrated tradition in the U.S. for many generations. As February approaches, many individuals begin to yearn for the warm spring and summer months ahead. To determine a time frame until this luscious weather returns, many folks resort to the Groundhog for answers.
For decades, many people have believed that animals have had a keen sense with Mother Nature, so much so that many depended on animals such as Groundhogs to predict weather changes and patterns. Although the accuracy of the Groundhog’s predictions has not exactly been proven, the tradition still stands strong today.
February 2nd is the one day of the year when the sleepy little animal will come from his burrow to check on the weather conditions outside. As most people are aware this is more popul ...
Read the rest of entry »