Moyer & Moyer Insurance Blog

Becky Moyer

Life Insurance for Church Personnel and Members

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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...
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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...
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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...
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BJ Moyer

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

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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...
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BJ Moyer

Getting the Best Value on Personal Insurance Products

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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...
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BJ Moyer

Home Insurance: A Guide to Understanding your Policy

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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...
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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...
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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...
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Becky Moyer

The Church Network

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The Church Network - Don't Go It Alone   Good morning!   We hope all of you enjoyed a relaxing weekend!  It looks to be another beautiful week!  God is so good!    Attached please find information regarding an upcoming workshop sponsored by The Church Network , previously the National Association of Church Business Administrators.  Technology and social media are changing rapidly making IT even more crucial for churches. In this workshop, Nick will talk about where IT is heading to help churches make decisions that will save money, facilitate ministry and reduce stress.    You will need to register directly with The Church Network for this workshop. You do not have to be a member of the local chapter of The Church Network to attend; however, there is a significantly discounted price to attend the seminar for those who are members. Also attached is a membership form if anyone...
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BJ Moyer

GuideOne Foundation Scholarships

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Supporting Future Religious Institution Leaders Last year, the GuideOne Foundation created a new 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. In 2015, the program has returned, and four $2,500 scholarships will once again be awarded to students who meet the following criteria: Junior and senior religious studies students, graduate religious studies students and any individuals in seminary are eligible.   Students 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...
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