What Health Factors Determine Your Life Insurance Rates

Tuscaloosa, AL is the site of our robust facility filled with agents who are eager to make your acquaintance. You may wonder how we manage at TCU Agency to be so attentive to the details of your policy. It is because we understand that your time is valuable, so we are diligent and we get it right the first time. 

Many commercials for insurance products that you view on television or the internet today boast about having no health questions. This is a facet of life insurance that heavily relies on individual preference. To ask or not to ask is solely based on the insurance product that you are interested in purchasing as well as the agency you are doing business with.

Asking health questions or perhaps even having new clients complete a medical screening is not a bad idea. It protects you and sometimes you may find out about a health problem you were not aware of.

Smoking of tobacco products will undoubtedly translate to higher premiums no matter which company you do business with. This is the case whether or not the cigarette smoking is proving to be detrimental to your health. This truth is one of the top reasons people decide to stop smoking. 

Some other medical conditions which may determine a higher premium rate are certain cancers, blood disorders, immune system deficiency disorders, and hypertension.  The reasoning is simple – these serious disorders may lead to untimely death thus the higher premium rates.       

Next time you are in Tuscaloosa, AL come into the TCU Agency office and see for yourself. Our kind and conscientious staff will show you we mean business when it comes to serving you and your insurance needs with strength, vitality, and quality. Speak to an agent today to make certain you have sufficient life insurance coverage.  

5 Steps to a Cooler Home This Summer

As much as you look forward to outdoor fun in the sun this summer, keeping your Tuscaloosa, AL home cool and comfy without paying high energy bills can be a challenge. Here are a few ways you can beat the heat of summer without straining your budget.

Sunlight

Limit the amount of sunlight entering your home to maintain a cooler environment. Closing curtains or lowering blinds will help block out sunlight during the heat of the day. For a long term solution, consider planting shade trees at strategic locations on your property to keep your home cooler in summer.

Programmable Thermostat

Invest in a programmable thermostat. This device will automatically adjust your home’s interior temperature to coincide with your comings and goings, so you benefit from a cool home at less cost. 

Ceiling Fans

Combine the use of ceiling fans with your AC system to keep your home cooler during the heat of summer. By setting your fans to revolve counterclockwise, you’ll get the cool breezes you desire.

AC

Have your AC serviced before summer hits in earnest to ensure you get maximum performance for the season. Annual AC maintenance and repair will extend the lifespan of your unit so you and your family can enjoy cool and comfy summers for years to come.

Oven

Limit the use of your oven during summer to reduce heat input into your home environment. Summer’s a good time to brush up on your outdoor grilling skills and experiment with new meal plans that minimize oven use for the season.

As summer approaches, you may also want to review your home insurance policy with TCU Agency, Tuscaloosa, AL, to ensure it’s up to date with your current needs. For changes or updates to your insurance coverage, talk to a TCU Agency representative today.

Am I ready for commercial insurance for my Tuscaloosa business?

When you first start a business, you know that you are eventually going to have to invest in a commercial insurance policy. But when? For some businesses, the answer is: right away. If you’re investing in a restaurant venture, for instance, then you need to make sure you’re fully insured from the start. On the other hand, if you don’t have a physical location in Tuscaloosa, AL for your software startup, if it’s just you and a friend writing code in a garage, when do you call TCU Agency about a commercial policy?

A basic rule of thumb for buying commercial insurance: You don’t absolutely need coverage until your business consists of more than you can comfortably afford to lose. If your business consists solely of a laptop and a half-finished phone app backed up on a dozen thumb drives and cloud servers, there’s not much need for commercial insurance just yet.

But, you might need a commercial policy a lot sooner than you think. Once a month in the early days of your startup, you should take stock of your assets. You can build an office faster than you think. You might have one camera and a green screen for your home video studio, but that quickly becomes several cameras valued at a few grand, top of the line audio equipment and a high-powered PC for doing CGI and video editing.

You want to add all of that up, look at the total, and ask yourself: If all this stuff gets damaged in a flood or a fire or something, can I replace it on my own dime?

If the answer is no, give TCU Agency a call and ask about commercial policies for your Tuscaloosa, AL business.

Things to Do to Your Vehicle Before a Road Trip

It is the time of year that people start to take road trips. There are so many great places that are within driving distance from Tuscaloosa, AL so it makes sense that people in the area go on a lot of road trips. Before you get started on your road trip, however, you should make sure that your vehicle is ready for the trip. Use these tips from TCU Agency to make sure you do everything you can to prepare your car for a road trip. 

  • Get your oil changed. Before you go on any lengthy road trip, you should make sure that your oil has been changed and is at the optimum level. You can take it to your closest body shop to have this done. 
  • Get your tires inspected. You want to ensure that your tires are in great condition for the road trip. Look for any signs that your tires are worn down. If they are, you should get some new ones before you hit the road. 
  • Get your brakes checked. Along with your tired, you should also get your brakes checked to make sure they are in great shape. The colder weather can do some damage to your brakes so you should make sure they are ready to go for the summer. You can get this looked at while you are getting your oil changed.

Imagine all of the great places you can go to now that your car is ready to go! Just make sure that you have a great auto insurance policy in place to further protect you. To make sure you have a good policy in place or to get some quotes, be sure to reach out to TCU Agency, serving Tuscaloosa, AL, today. 

Do Teen Drivers Need to be Insured on All Cars in the Household?

Teen drivers are a tricky subject and most insurance holders are not all that certain about how to insure these drivers. It is important to keep in mind that you should have your teen driver insured properly to help protect you, the other driver, and your teen in the event of an accident. If you are living in the Tuscaloosa, AL are, the agents with TCU Agency can better explain how to properly insure your teen driver.

When it comes to adding drivers to cars, generally you can get away with only insuring drivers on the cars that they primarily drive. This means that you do not have to insure your teen driver on each and every car that is on your policy or in your household but rather, just on the car that the teen driver is the primary driver.

In most cases, a teen driver is going to have their own car or have one car that they drive primarily and that is the most important car to have the driver listed on. If you have a teen that drives all the cars in the household, you may want to insure them as a driver on all of them. Another great rule of thumb to remember is that if the driver is insured on the policy and they have permission to drive another car on the policy that they are not listed as the primary driver for, they are still going to be covered.

Most policies are concerned mainly with making sure that drivers are listed somewhere on the policy even if they are not primary drivers. For those that are in the Tuscaloosa, AL area, the agents with TCU Agency can explain in depth how to make sure your teen is fully covered on your policy.  

Why You Should Shop Around for a Home Insurance Policy

When you need a home insurance policy, you may be tempted to call an insurance company, get a quote and then sign up with that company if the quote sounds reasonable. However, it is recommended that you obtain quotes from at least three insurance companies before signing up. There are many benefits to shopping around before signing up for a home insurance policy. Here are two of those benefits.

Price Benefits

One of the major reasons why you should shop around for a home insurance policy is because the price of a policy can drastically vary from one company to another. However, if you do not take the time shop around, you may not realize it. This can cost you hundreds or even thousands of dollars each year. Always take the time to get quotes for various policies to help you find a fairly priced policy.

Policy Benefits

The other reason why it is important to shop around when you need a home insurance policy is because policies themselves can vary from company to company. What is covered, the deductible and how claims are handled can all vary from one company to the next. Unfortunately, you may get a policy that does not best fit your needs if you do not take the time to shop around. As such, in addition to paying attention to price, always pay close attention to what the wording in the policy itself so you know what you are getting for the price.

If you are in the process of shopping around for a home insurance policy in the Tuscaloosa, AL area, be sure to contact TCU Agency. Our company can help you with all of your insurance needs, including home insurance. Call us now to get started on the process of getting you a quote.

4 Reasons to Reconsider Home Insurance in Tuscaloosa

There are certain things in life that you know you need to have, but rarely ever really think about. Home insurance is likely to be one of those things. There are so much more immediate concerns of the day that it probably just doesn’t cross your mind. TCU Agency wants you to know why you may want to rethink that.

1. You Never Know

Days start off one way and then quickly take a turn for the worst. If you come home to a ransacked house in Tuscaloosa, AL, do you know what your insurance policy will cover and what it won’t? Will the property damage be something you have to pay for on your own or do you have the right policy?

2. Policies Are Customized to You

Did you just put in rare plants in your garden? Did you buy a new piece of art in the past few months? You may have more reasons to update your policy than you think. And the best part is that you get to dictate the terms and the amounts in most cases.

3. This Is Your Property

And you likely worked hard to buy it. It’s worth giving it your full attention when it comes to protection, and it’s why you should consider home insurance to be a benefit rather than a burden.

4. It’s the People You Work With

You may be surprised at just how much finding the right agency can help. TCU Agency is here for those in Tuscaloosa, AL to make your home insurance much easier with friendly agents and helpful advice. We’re here during the good times and the bad, so give us a call today if you’re looking for a quote or hoping to get a new policy.

3 Things All Homeowners Need to Know About Home Insurance in Tuscaloosa

Tuscaloosa, AL truly has some wonderful homes and grounds in the area, so it makes sense that the whole neighborhood would want to preserve its beauty. It’s easy to do when you understand more about how home insurance works to make a difference in communities. Learn more about what you need to know about cost, extra considerations and finding the right team to partner with.

1. Never Compare

It’s normal to compare how you’re dressed about how other people are dressed at a formal event, but that same principle does not extend to insurance. In fact, each individual’s policy is based specifically off of their lifestyle and background, so just because your neighbor paid the same amount for their property, it doesn’t mean that you’ll be paying the same amount for your premium.

2. Start Asking Questions

Maybe you moved into your house five years ago, and since then you bought a TV, diamond ring and added a few appliances along the way too. You should be calling your home insurance agency when you do these things, since you may not get as much help as you like should those new things be destroyed in a natural or man-made disaster.

3. Finding a Partner

The last thing you need is to shell out cash straight from your wallet just because your dog was frightened by his own shadow and knocked over your antique lamp. We serve the people of Tuscaloosa, AL, and we don’t want you to be caught off guard for any reason. Whether you’re looking for a new quote or you just want to find out how your coverage works in the real world, give us a call for more information.

 

Kind, Compassionate, Insurance Agents – What a Relief!

When you just experienced a major disaster you need to reach out to hear a kind voice and have an insurance agent that understands what you are going through. There is an old saying, that you only really know who your true friends are when you go through a major life challenge. The same thing can be said about your insurance coverage. You only know how good it really is, if you experience a disaster. 

The Tuscaloosa, AL Emergency Management Agency notes that Tuscaloosa, AL has a history of severe weather that includes thunderstorms with high winds, lighting, and dangerous tornados. A really bad tornado hit the area on April 27, 2011, destroying about 12% of the city, killing 44 people, and injuring hundreds. It caused $1.5 billion in damages. The last time such a bad tornado hit was in 2000. Another time was in 1997 and a huge cluster of tornados hit in 1932. This one in 2011 certainly caught many people unprepared.

At the TCU Agency, we know how important it is to be responsive to clients needs in such a disaster, process claims quickly, and give our clients a shoulder to lean on, or cry on, if need be. Who knows when such a horrible natural disaster might hit again? 

It is a good idea to check in with your agent at the TCU Agency, at least once each year, to review your home insurance for adequate coverage. It is important that the coverage is in alignment with current replacement costs. You definitely need an update if you made any renovations or did any remodeling, since the last time you had an insurance review.

We hope you never need to call upon us because of a major disaster. However, if you do, will we be there ready to help.

You Can Get Good Home Insurance From a Tuscaloosa, AL Agent

If you want good home insurance in the Tuscaloosa, AL area, one of the best ways to get what you need is to choose a good insurance agent who can help you through the process. That can give you options from start to finish, so you get the policy that is really going to be right for your home. There are many companies that offer homeowners insurance policies, but when you work with the independent agents from the TCU Agency, you have the opportunity to find out about a number of different policies from companies that can help you protect your home.

You do not need to spend your time going around to a lot of different insurance companies, giving them your information and waiting on quotes. With one call or visit to an independent agent, you can make sure you get the policy you need at a price you want. Your budget and your home will thank you, when you know you are covered by a policy that will really give you what you need. When you have a trusted agent, another benefit of the situation is that you have someone to work with as your homeowners insurance needs change.

By working with the TCU Agency on your Tuscaloosa, AL home insurance policy, your peace of mind will be assured and you will not have to worry about whether the coverage you have is enough to protect your home in case of a loss of some type. Your home is an investment, and protecting it is an important way to make sure your finances are also protected, both now and in the future. With a good relationship with your independent insurance agent, you have less to worry about and can get the coverage you need at a price you feel good about.