While the push for universal healthcare is not quite there, it is important that every person have health insurance.  Having even basic health insurance can protect you from unanticipated health bills.  Even if you have a job that doesn’t provide health insurance, you can still get it at an affordable rate.  PoliSeek will help you to find the best health insurance at an affordable rate to meet your needs.  We partner with many different providers to ensure we are giving our customers the best possible prices.  Our health insurance products include:

 •            Insurance for individuals and families
•             Short term disability
•             Health savings accounts (HSA)
•             Prescription drug discounts
•             Student health care
•             Short term health insurance 

Not having any health insurance can leave you finically liable in the event you should incur a medical expense.  When bills add up because of medical problems, this puts stress on you and your family.  The number one cause of bankruptcy in the United States is due to medical related expenses.  If you are in need of health insurance, contact one of our health insurance specialists at http://PoliSeek.com . Call 866-540-7335 or request a free quote at http://www.poliseek.com/health-insurance .

Owning a motorcycle gives people the freedom to explore places in a completely different way.  Riding one gives you a sensation that only other motorcycle riders can experience.  As a rider, you understand the risks and responsibilities that go along with owning and riding a motorcycle.  Being a responsible rider means having your insurance up-to-date to protect your well being and the well being of others with whom you share the road. 

That being said, have you ever taken a ride with a passenger sharing the freedom with you?  Do you know if you have guest passenger liability coverage?  If you don’t then you are not completely protected.  In the event of an accident, you will be covered, your passenger may not.  Some liability coverages will have guest passenger coverage within it, but some won’t.  Check your current policy to see if your passengers are covered if you take them for a ride.  If it doesn’t, you will want to purchase extra insurance before you take any rides with a passenger.

Poliseek wants to make sure that you are safe when you ride, so we offer many different types of policies to fit your needs.  For more information on passenger liability coverage, please contact one of our specialists today.

Do you own a pick-up truck that is larger than one ton?  If so, do you have the proper medium duty truck insurance?  If not, you could be putting yourself and others at risk.  These types of vehicles are more expensive to operate and maintain, so therefore, you should have the correct policy to cover it.

Unlike other insurance companies that can offer heavily modified auto insurance policies, or expensive business insurance policies, PoliSeek will work with its network of providers to offer you an insurance policy specifically for your medium duty truck.  Along with specialized coverage, we can offer you discounts on your policy if you have some of the following:

 •            RV Association membership
•             Safe driving course completion
•             Your truck is equipped with DRL’s (Daytime Running Lamps)
•             Anti-lock brakes
•             Has a theft deterrent system

If you need to purchase a new medium duty truck insurance policy or are thinking about switching, please contact a PoliSeek representative to help you determine the amount of coverage that is right for you!

For a large portion of the population, a home is the most precious and most expensive asset that needs to be protected.  If your home is damaged or completely destroyed in a catastrophe, how will you afford to repair and rebuild your home?  Having the proper homeowners’ insurance policy will help you to recover in the event that something happens to your home.

The basic homeowners insurance policy provides protection if your property is damaged by fire, severe storms, tornados and/or hurricanes. Damage to your property, possessions and home are primary elements to be covered. The most important aspect, however, is the amount of coverage provided.  In many cases, homeowners insurance will also contain liability insurance to protect non family members that may be hurt on your property.

 With homeowners insurance, it’s also important to making sure that you have a large enough policy to cover your home and possessions in the event of a total loss.  People often do not purchase enough insurance, and as a result, are left with expenses to replace items they thought were covered by their standard policy.  When you purchase homeowners insurance, it is essential to estimate your property and possession value accordingly to ensure that you have the appropriate coverage.

 For more information on homeowners insurance, please contact one of our specialists at www.PoliSeek.com.

Making changes to your policy does not have to be difficult, as long as you have the right company behind you.  So many people try to save money by going with a second rate insurance agent.  What they then notice is that when they try to make any changes to their policy, it is either very difficult, or will cost them extra.  At Poliseek.com, making changes to your policy can be quick and easy.  If you need to talk to a representative, one is always available. 

If you just need to make quick changes to your policy, Poliseek.com offers an online interface that can help you make the changes you need.  Simply visit http://www.poliseek.com/service and a host of options are there for you.

On this page you can do the following:

•             Add or change a driver
•             Add or remove a vehicle
•             Change and manage your policies (Auto, Home)
•             File a claim
•             Make a payment

 If you need to do something, or need an answer for something that is not seen in the main section, you can visit the frequently asked questions page, http://www.poliseek.com/questions, or if you still need further assistance, you can use the contact page, http://www.poliseek.com/contact to find the appropriate number to call.

Rest assured that PoliSeek.com is devoted to customer service and wants to make purchasing and managing insurance policies an enjoyable experience.

Owning a motorhome is a great way to travel and see the country. You have the freedom to go where you want and stop where you want even if there are no hotels or other accommodations available. New motorhomes can be expensive; however, so buying a new one isn’t always possible. When this is the case, some people will turn to converting an old bus into a motorhome. 

People convert buses into motorhomes for all types of reasons. Some do it for camping and hunting, while others do it so they can travel more comfortably. The one thing they all have in common is that it can be difficult to insure these converted vehicles, especially if the bus being converted is more than 20 years old. If this is the case for your bus, you may be required to have a mechanic inspect it to verify that it is safe and operational. Older vehicles do not have the safety features or reliability of current models, so insurance companies are especially cautious. 

The best thing you can do if you have converted or are thinking about converting a bus into a motorhome is talk to your insurance company. PoliSeek is available to discuss your bus conversion insurance needs and provide you with a free quote based on your unique circumstances.

What is Commercial Auto Liability Coverage?
Commercial Auto Liability Coverage provides protection for any company owned or leased vehicle.  Polices can cover collision and damage protection, as well as coverage for property and personal injury.

Why do I need Commercial Auto Liability Coverage?
Just as you would have personal auto insurance, you will need policies to cover your pool of commercial vehicles.  In the event that you or any of your employees are in an accident while driving a company vehicle, you will need to be covered should there be any damage or injury to all parties involved in the accident.  It is especially important when it is a business vehicle, because if there is a lawsuit involved, the suing party may be able to go after your company’s assets, leaving you in a very tenuous position. 

What are the basics of Commercial Auto Liability Coverage?
When you are looking for commercial auto coverage, you will find that a lot of the same principles apply which would also apply to buying personal auto insurance.  You will want to make sure you have the right amount of coverage in six basic areas.  These include:

•           Bodily Injury Liability
•           Personal Injury Protection
•           Property Damage Liability
•           Collision
•           Comprehensive
•           Uninsured Motorists.

For more information about commercial auto liability coverage and other types of policies, please complete an online insurance quote at PoliSeek.

For most people traveling in an RV, a typical RV insurance policy will be sufficient.  But, for those who use spend more than 150 days in, or use their RV or motorhome as a primary residence, additional insurance is needed to cover added liability. 

Purchasing full timers insurance is essentially like buying a homeowners insurance policy.  When a person claims their RV as a primary residence, there are certain liabilities that will need to be covered.  Full timers insurance will give the owner added coverage against personal liability.  This type of coverage will protect visitors to your campsite.  If they were to get hurt at your campsite, or stepping out of the RV, a regular policy may not cover them. 

Additionally, if you rent a storage unit to keep items that will not fit into your RV, full timers insurance can protect those items in the event of damage or theft.  Standard RV policies will not cover items outside the vehicle. 

If you are planning on making an RV your permanent residence, it is a good idea to look into full timers insurance.  The added security and coverages far out surpass the minimal incremental expense incurred.  For more information about full timers insurance, please contact a PoliSeek sales representative at 866-500-7335.

A multi-car discount is offered by virtually all auto insurance companies.  It applies to all coverage on the policy and may save you between 10% and 20% off of your premium.  The basic requirement is that there must be more than one vehicle insured on the same policy.  Other requirements vary by company and may include:

1.  The vehicle is owned by and principally operated by the policyholder or a member of his/her family.

2.  The vehicle is garaged (kept) at the same address as the other vehicle.

3.  The qualifying vehicle is not a trailer.

There are even some carriers that will give the discount if one vehicle is a home and the other is garaged at college with a child of the policyholder.

As the definition of “family” changes in our society the insurance industry has reacted.  It has been seen where companies which previously required ownership of both vehicles by the policyholder abandon this rule and permit a multi-car discount when two adults are living together, both with their own vehicle.  In the past, not only would they not get the discount, it was difficult to find a company willing to insure them on the same policy.

Having recreation vehicles, such as ATV’s or motorcycles, means that you need a way to take them from place to place. The best way is by having a toy hauler. These trailers can contain all the amenities that you need to have a fun-filled weekend in the outdoors. Some have on-board fuel stations, room for extra tools, parts and more. Above all, these trailers protect your recreational vehicles while traveling, or while they are not in use.When you purchase a toy hauler, you will want to make sure that you insure it to cover things that might occur during the course of ownership. Below are some of the basics that you will want to make sure your policy includes. A good coverage to have is Contents Coverage – this covers the items within the toy hauler in the event that the whole unit is damaged. A basic toy hauler policy may only cover the actual vehicle and not the contents within it.

It is important to talk to your insurance provider about the specific needs you have with a toy hauler. Be up front about the amount of money that you have invested in the toy hauler and what you plan to haul with it. Only with this information can an insurance company give you an accurate quote.