Moyer & Moyer Insurance Blog

BJ Moyer

4 Night Driving Dangers and How to Cope with Them

night driving dangers
Driving after dark brings challenges that daytime driving does not. But, we can't always stay put when the sun goes down! There are a few simple ways you can keep yourself -- and others -- safe on the road, no matter how late your next car trip lasts. Here is a look at some common night driving dangers and tips for staying safe when driving at night. Night Driving Danger #1: We Aren't Cats It's simply more difficult for the human eye to see at night. Your vision is compromised by the lack of natural light, making street signs, other cars, pedestrians and animals very difficult to see. The lack of light also affects your depth perception, and it becomes more difficult to tell how far away you are from other cars or objects. You can adjust to (and respond better) to many of these challenges by simply reducing speed and staying...
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BJ Moyer

Keeping Church Safe During Winter Weather

church winter safety
Although it technically only became winter at the end of December, it’s been cold (on and off) for a few weeks now. Ensure your building, your communication systems, your staff, and your members are ready for whatever the season may throw at you.  Start thinking in terms of prevention and risk management. Facilities For your facilities, ensure a plan is in place to manage structures and grounds in the event of closure. For example, even if you must cancel a service due to weather, it is vital that the building is warmed to the point that pipes won't freeze. This is where the ability to control your church's thermostats and zones remotely can come in handy. Ensure that you have an adequate supply of de-icing materials for walkways, plenty of shovels, and a schedule of personnel (with backups for cancellations) to clear them. Keep doorways clear and as dry as possible....
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Becky Moyer

Life Insurance for Church Personnel and Members

home insurance policy
The main purpose of life insurance is to replace lost income or expertise if an individual dies too soon. This is usually equated to the breadwinner of a family, but it can also apply to the spiritual leader of a church or religious organization. How Does It Work? If the head of a family or breadwinner dies prematurely, the life insurance can "fill the gap" by providing cash to replace the lost earnings of the breadwinner. This is if there are small children involved. In the case of a religious leader in a church such as a pastor, for example, the cash from the life insurance could be used to offset decreases in church income, a search for a new pastor, and a number of other financial shortfalls that may occur due to the loss of such an individual. Types of Life Insurance Term Life Insurance  is the least expensive in...
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BJ Moyer

Car Insurance Coverages You Shouldn't Ignore: Emergency Roadside Assistance

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An emergency roadside assistance program is one of the car insurance coverages you shouldn't ignore. It can be invaluable in providing peace of mind to motorists. Although the term calls to mind cars with raised hoods by the side of the road, insurance policies that offer emergency roadside assistance provide a range of services for motorists stuck for one reason or another. Services provided by emergency roadside assistance include locksmiths coming to help if you’re locked out, flat tire repair (or free change to your spare), jump starting a battery that’s gone dead, either as a result of age or lights left on, gas or oil provided if lack of either one has caused an emergency, and free towing up to policy limits. Many plans offer even more benefits. Some will include emergency assistance for bicycles, especially if you’re a bicycle commuter. Others will provide benefits for a rental car or...
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BJ Moyer

Why It’s a Good Idea to Have Renters Insurance

renters insurance
Many renters don’t have renters insurance . In fact, while 96% of home owners have home insurance, it is estimated that under 50% of renters do. Why? Well, many renters entertain a major misapprehension: that a landlord’s policy protects them. It doesn’t. Any landlord’s insurance policy is designed to protect what the landlord owns. It will protect the outside of the building. It will also protect anything the landlord owns inside, from walls to fixtures to appliances. But it will not protect a renter’s furniture, clothes, personal items, or computer. Many renters also don’t have a renters insurance policy because they don’t think anything will happen to their things. Far from thinking that a landlord’s policy protects them, they understand that it doesn’t, but don’t believe that their stuff is subject to damage. The problem is, everything is subject to damage. As careful as individual renters may be, the building could...
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BJ Moyer

The Power of 1... Why Customer Service is Our #1 Priority

customer service
As you and your faithful flock rise every day, the devoted staff at Moyer & Moyer  awake and look to serve each and every one of our customers. We view every interaction with you as an opportunity to make you feel special and leave no doubt as to who you look to for church or personal insurance. From the first moment of contact, our staff will take notes of all of your wants and needs. You will never feel like you are just another number when you work with us. Moyer & Moyer faithfully vows to always put you first. We realize life has its challenges for all folks, that is why we emphasize our service with a smile. Taking time to thoroughly answer any questions, paying attention to every last detail, and leaving you not just happy, but ecstatic, demonstrates just how we would like to be treated.  By extending...
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BJ Moyer

Getting the Best Value on Personal Insurance Products

personal insurance value
Everyone loves getting a great deal and of course, you want the best deal possible when buying personal insurance products . However, whether it is rental, auto, long-term care insurance or some other type of insurance; you should keep in mind that cheaper does not always mean better. There are a number of factors to consider when looking for the best value in insurance including: Reputation: What kind of reputation does your insurance company have when it comes to customer service? This includes such things as how a company handles and responds to customer complaints. One great resource for checking on a company's reputation is the Better Business Bureau. Financial Stability: You want an insurance company that is going to be around for you when the going gets tough, including times of crisis when you need your claim paid fast. Insurance rating organizations such as A.M. Best can give you an...
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BJ Moyer

Home Insurance: A Guide to Understanding your Policy

home insurance policy
Deciphering all the information in your homeowner’s policy can seem a little overwhelming at first glance. Once you realize that most home insurance policies are laid out in a similar manner, making sense of it becomes a little easier. Here is some information you need to know that will help you with understanding your policy .   Declarations Page The declarations page or “dec sheet” summarizes your coverage and “declares” certain key points. This page contains vital information such as: Your insurance policy number   Policy period   Address of the covered property   Amount of coverages and deductibles   Amount of your premium, including any discounts that have been applied Definitions Section As with any legal document, the terms depend a great deal on how certain words are defined. The definitions section of your policy includes some key words and phrases that can be used to resolve any issues that...
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BJ Moyer

GuideOne Foundation Scholarship Program

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Supporting Future Religious Institution Leaders In 2014, the GuideOne Foundation created an annual scholarship program for individuals pursuing a career in ministry. As one of America’s leading insurers of churches, GuideOne Insurance believes it is important to support the future leaders of our nation’s religious organizations as they prepare to enter ministry. To do that, the company will be awarding four $2,500 scholarships in 2016 to students who meet the following criteria: Junior and senior religious studies students, graduate religious studies students and any individuals in seminary are eligible.   Student must be attending accredited colleges, universities or seminaries within the United States and District of Columbia.   Minimum cumulative grade point average of 3.25 is required.   Official or unofficial transcript and one letter of recommendation are required.   Applicant is required to submit an essay that explains why they chose to pursue their degree and how they plan to...
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Becky Moyer

Transforming Your Church Into An Emergency Shelter

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Weather has a significant impact on our daily lives. Natural disasters, however, have the ability to change our lives in an instant. In many cases, numerous people are left without resources or even homeless. While offering such a service is a tremendous act of compassion, please be aware that additional risks are associated with providing an emergency shelter including the following: Increased potential for fire due to strain on the buildings electrical system, cooking of food as well as the potential of smoking by occupants;   Additional strain on the plumbing facilities;   The number of exits in the building may not be adequate, and/or exits may lack proper signage and emergency lighting;   Greater chances of property damage or personal injury due to accidents, unruly guests, or human error;   Greater chances of theft due to increased public access to the building; and   The possibility of communicable disease and/or...
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