DO YOU UNDERSTAND HOW HOME INSURANCE PREMIUMS ARE CALCULATED?

36905823_1085694898253899_8915049150857347072_o.jpg

How insurance premiums are determined can vary from insurance company to insurance company, however, most companies will implement the following when deciding what to charge you for your home insurance.

  1. Location - Insurance companies will take into consideration the crime rate in your

  2. Neighborhood, how near your house is to the fire station, and the chance for "act of God “claims.

  3. Type of construction - whether your house is made of wood, stucco siding, brick, or stone.

  4. When your home was built - new homes usually qualify for reduced cost.

  5. Amount of coverage - the amount of coverage you purchase on your home, the contents of the home, and the liability limit will be factors in the price of your policy.

  6. How is your Homeowners Premium Determined?

  7. Loss assessment - how your policy will pay for your home in the occurrence of a claim, whether it will pay the actual cash value or the amount it costs to replace the contents lost.

  8. Deductible - how much of a loss you are willing to pay before your coverage starts. If you have a mortgage on your home, the maximum amount of your deductible will often be set by your lender.

Click here to receive your homeowners quote!

It’s more important than ever to prepare for any risks from hurricanes, floods and other disasters. Here are some ways to prepare in advance:

- Learn what types of disaster are most likely to affect your business. 
- Look over your insurance policies to see if there are any gaps in coverage. For example, some policies only provide coverage if a business is physically damaged.
- Plan ahead for what your business will do if a disaster forces it to close for an extended period.

Call us today at (504) 416-0237 or visit www.apronagencies.com.

Apron Agencies, "Like momma in the kitchen, we've got you covered."

APRON AGENCIES HAS TEAMED UP WITH CAM’S AUTOMOTIVE SERVICES TO OFFER YOU SAVINGS!

autos-3291379_1920.jpg

Save up to $75 on your next auto repair!

Call for a quote today on your automotive or household insurance and receive a coupon for up to $75 towards automotive repair services at Cams Automotive. $25 towards services if you receive a quote auto insurance and an additional $ 50 towards repair services if you receive a Household Insurance Check Up. Call Apron Agencies today at (504) 416-0237.

Mel+Photo+.jpg

It is my # 1 goal to give you the best insurance for the best price!

download2.png

CAM’S AUTOMOTIVE

For 25 years we have been repairing automobiles from brakes to paint. Call us today for a free estimate 504-461-9838 or email us at shop@CAMSAutomotive.com

Apron Agencies.jpg

ARE YOU CYBER SECURED?

39760734_1134543423369046_7087652557681590272_o.jpg

As reliance on technology continues to increase, new exposures continue to emerge. As your business grows, make sure your cyber liability coverage grows with it. Cyber liability insurance is specifically designed to address the risks that come with using modern technology; risks that other types of business liability coverage simply won’t.

The level of coverage your business needs is based on your individual operations and can vary depending on your range of exposure. Apron Agencies, LLC. is here to help you analyze your needs and make the right coverage decisions to protect your operations from unnecessary risk. Call us at (504) 416-0237 or visit www.apronagencies.com.

Apron Agencies, "Like momma in the kitchen, we've got you covered."

ARE YOU PART OF THE 25% OF BUSINESSES THAT NEVER REOPEN FOLLOWING A DISASTER?

43823273_1166235920199796_1078175080652996608_o.jpg

Business Interruption Insurance has evolved into an essential risk transfer tool for all industries. Coverage provides resources that aid in recovery and can help get a company back on its feet quickly.

According to data from the Institute for Business Home and Safety, Business Interruption Insurance doesn’t just assist small businesses in meeting payroll and bills during a crisis; it also helps larger companies provide employees and shareholders peace of mind. Of course your shareholders want to make sure your business’ profits are protected in case of fire, hurricane or other disaster.

Don’t wait until your business experiences a significant loss to consider this vital business insurance protection! Contact Apron Agencies, LLC. at (504) 416-0237 or visit www.apronagencies.com and we will help fit this type of coverage into your overall business insurance portfolio.

MEDICARE OPEN ENROLLMENT PERIOD FOR 2019 IS 10-15-18 to 12-07-18!

For 2019 Medicare coverage, open enrollment will run from October 15, 2018, to December 7, 2018. This is a time sensitive opportunity for you to choose between traditional Medicare or a Senior Health Plan which could include, Medicare Supplement,  Medicare Advantage, or a Prescription Drug Plan – WITHOUT ANY MEDICAL UNDERWRITING.

My name is Mel Leveque. I am a licensed, independent, insurance agent and the owner of Apron Agencies, LLC.  My goal is to educate you on all of your MEDICARE options, while helping you choose the best coverage available at the least possible cost to you and your family. Here are 5 things you need to know about Medicare Enrollment:

1.       Your Initial Enrollment Period (IEP) for enrollment is a 7-month time frame (3 months before your 65th birthday, the month of your birthday and three months after your birthday month). If you are eligible for Medicare due to disability, your IEP is based on your disability date. The only time you can make changes after initial enrollment is during the Open Enrollment Period.

 2.       There are 2 pathways to enroll in Medicare: 1) Original or 2) a Senior Health Plan such as:  Medicare Supplement, Medicare Advantage. or a Prescription Drug Plan.

 3.       Medicare Advantage Plans: These plans are managed by health insurance carriers. Locally, your options include Humana, Peoples Health, United Health Care and Blue Advantage and various other carriers.  

You have a choice of Senior Health Plans Medicare Advantage plans.  Need help understanding your options?  Call us at 504-416-0237 today!  We will be happy to help you navigate through all your Medicare options, Parts A, B, C and D, as well as Medigap Supplement plans.