Hummel Insurance Services Inc

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With Halloween coming up, what could be scarier than a good ghost story? How about not being properly protected at the time of a loss? Or having your identity stolen? The former usually occurs because of lack of communication between you and your agent or company or perhaps because of assumptions that have been made. Simply assuming you have coverage can be a critical mistake. One of the biggest assumptions that people tend to make is regarding your auto coverage when you buy a different vehicle. You may assume you have automatic coverage and not be too concerned, but believe me; your car dealer and lender are concerned about your coverage, especially before you drive that shiny new model off their lot. They want to make sure their interests are protected in case you have a wreck on the way home in that new car or pickup. The trouble is many car dealers, lenders and sadly even a lot of insurance agents don’t really understand the

When you stop to think about it, buying insurance is a lot like going to the dentist. For one thing, you never really think about it until you need it. I mean when was the last time you sat down and thought to yourself, “Hmm, I wonder what I should be doing today to make sure my teeth stay in good condition?” Likewise, most people don’t think to themselves, “Hmm, I should really call my insurance agent today and see what steps I can take to protect my assets.” Not that either one of those thoughts wouldn’t be good to think about from time to time, but realistically, we often times don’t think about protecting either our teeth or our assets until something happens that makes us wish we had been thinking about them. Related to this is a question we get from time to time is about Dental Insurance. To be honest with you, I’ve never been a big fan of Dental Insurance for several reasons. Let m

But what if the finacial detour is more serious, such as with the death of a main breadwinner in the family? Of course, the best way to protect against that is with the purchase of life insurance. But what kind? Keep in mind that there are two major types of life insurance: Permanent and Term. Permanent Life Insurance (usually Whole Life or Universal Life) is designed for permanent or very long-term needs while Term Life Insurance is designed to protect you for temporary needs, such as mortgage or debt protection or supplemental coverage while you have dependent children for instance. In other words, you buy Permanent Life Insurance because you know you will use it in the future, but you buy Term Life Insurance in case you need it. You're buying

Well it looks as of we are fully into the new season. No, I’m not talking about spring or summer, but road construction. Between Oakland and Cedar Rapids there are at least 4 or 5 separate construction zones closing a lane of traffic for several miles. Sure, that is inconvenient, but road construction is necessary to maintain and keep our streets, highways and interstate highways in good condition. They didn’t just build the interstate once and figure that it would last forever. It must be maintained periodically – sometimes proactively, but sometimes it doesn’t occur until after the condition of the road has deteriorated significantly. Life can be like that – things can be humming right along smoothly when all of a sudden, BAM, we hit road constr

Let me tell you about Bill. Bill is a successful young man whose business has really started to take off. He is experiencing growth virtually every month and as a consequence of that growth, he has taken his business to the next level and really expanded it. Trouble is, expansion can get pretty expensive and he has had to borrow a fairly substantial amount of money. This fact has him concerned that if something should happen to him, his wife (who has no involvement in the business) could end up getting stuck paying off that loan.

As the new year dawns, now is an appropriate time to be reminded that we all need to be prepared for the different things that life throws at us. Certainly one way to do that is by transferring the risks that we all face to an insurance company(s). And that is really all an insurance policy amounts to. In exchange for a periodic payment of money, the insurance company agrees to step into your shoes and assume the risk that you are trying to avoid. It doesnt matter if that risk is from your house burning down or the risk that you will cause an automobile accident, the principle is the s

Of course all the talk these days centers around the stock market and the economy and everyone has an opinion on who's to blame, who has the best solution, what to do, what not to do, and so on and so forth. The person who handles my investments sees a lot of similarities in the market and other situations today as during a certain period of time in the 1990's. I only bring this up because history tends to repeat itself from time to time.

We are pleased to announce that we have become a Solutions agency. What does this mean to you, our customer? It means that we have committed to raise our standards to the highest level possible to make sure that you are properly protected, that you have a unique experience in dealing with us, and that you receive the ultimate in customer service.