What is an Umbrella Policy and Why Do I Need One?

Have you heard of an umbrella policy?


You can gain extra peace of mind with an umbrella policy. What an umbrella policy does is provide you with extra liability protection.


This can be a very important insurance policy to have, because it will cover you for liability beyond the limits of any personal insurance policies you may have, such as auto and home.


It’s more common than you may think to be sued for car accidents and accidents that happen in your home and on your property. Many people are shocked to find they are being sued for a million dollars or more due to events that they may not even be directly responsible for.


Consider some situations that may lead to being sued beyond the limits of any insurance policies you may have:


  • You’re at fault in a car accident. The legally mandated state minimum for auto insurance that you have is not enough in liability coverage to pay for extensive car repairs or replacement for the other driver, as well as the medical bills of any occupants.


  • You make a right turn in your car, not even seeing the pedestrian that suffers severe and disabling injuries.


  • Your next door neighbor’s child is playing ball in the yard next to yours. A chain link fence separates the two yards. The ball goes over your three to four foot fence. The child tries to retrieve it by coming in the entrance, but you have it locked. The child then decides to climb over your spiked fence to retrieve the ball and gets seriously injured. Among the injuries possible are falling while foot stuck in fence and breaking a bone, slicing an arm or leg open, and/or becoming impaled on the spikes.


  • Your neighbor’s child or pet runs onto your unfenced property, unaware that you are trying to trap a nuisance animal and gets seriously injured.


  • You have a fenced in yard and even a sign that says beware of dog, but a door-to-door frozen meat salesmen or a child selling cookies ignores it and gets mauled by your dog.


  • You’re hosting an after dark party and your neighbor takes the shortcut to her home when it’s time to leave. The shortcut just happens to be on the dark side of your house through some privacy trees, and steps into a huge unexpected hole in your yard, breaking her leg.


  • You didn’t have your icy sidewalk cleared and someone slips and falls.


Does your policy cover you for $800,000 if someone slips and falls on your sidewalk or $3,000,000 to cover the pedestrian?


In addition to providing liability coverage for when you’ve reached your home and auto limit, an umbrella policy can also protect you in other ways. For instance, if there is a fire in your home and your homeowners policy doesn’t cover the massive quantity of product marketing merchandise you have stored in your garage for your client, an umbrella policy may cover your liability.


Umbrella policies can also provide liability coverage for your boat and rental properties, as well as cover loss assessments.


Contact Yeager Insurance at 304-757-5964 to protect yourself financially from liability beyond what your home and auto coverage limits. Ask us about an umbrella policy today!


A Look at Risky Teenage Driving Behavior

Most everyone knows that teenage drivers are the most expensive to insure. There’s a reason for that and it’s that teens engage in more risky driving behavior than any other group.

As parents, there is something you can do to help. Talk to your teens about risky teenage driving behavior. Even if it seems like they are not listening, they are, and it’s worth taking the time to talk about.

Here’s what to talk about:

  1. Passengers

It’s a well known fact that teenage risky driving behavior is kept in check when parents and other adults are in the passenger seat. It’s only when other teenagers are in the passenger seat that risky driving increases. This is due to both peer pressure to speed, drink while driving, etc and wanting to impress friends with risky behavior. Combine peer pressure and the desire to impress with a lack of experience and it’s a dangerous combination. Many parents combat this by limiting or refusing to allow their teenage drivers to have friends in the car and it makes sense because with each additional teen in the car, the risk of an accident occurring is significantly higher.

1 teen passenger in the car is 30% higher

2 teens is 69% higher

3 teens is 120% higher

4 teens is 186% higher

So, if you have one teen driver and four teen passengers, the driver is 186% more likely to have an accident.

  1. Drunk Driving

Car crashes are the leading cause of death for teenagers. Not only that, but the amount of car crash fatalities for teens exceeds all the other leading causes of death combined. Fatal crashes involving underage drinking make up almost 20% of all fatal crashes involving alcohol. Drunk driving destroys a lot of families every year, and not just for the drunk driver and their passengers, but also for fatal crashes involving two or more vehicles.

  1. Distracted Driving

There are many different types of distracted driving that teenagers engage in, such as “fooling around”, goofing around, texting, arguing, making calls, and focusing more on talking than on driving.

In many states including WV, not only is texting and making calls dangerous, it is also illegal.

  1. Seat Belts

Many teens do not wear seat belts. This is for a variety of reasons, such as rebellion, looking cool to their friends, and unfortunately for some, because it was never enforced by their parents. The use of seat belts drastically reduce the risk of fatalities in vehicle crashes.

In addition to talking to your teen about the effects of passengers on risky behavior, drunk driving, distracted driving, and seat belts, perhaps the best thing you can do to influence the driving behavior of your teen, is to be a good role model yourself. That means that you avoid speeding, drunk driving, texting and talking on your cell phone, and other distractions. It also means you always wear your seat belt and enforce the rule for passengers.

Contact Yeager Insurance today to see how we can help with your families car insurance needs at 304-757-3900 or request a Free Quote now.

What is your plan for long-term care?

It’s an ugly conversation. The discussion of late-in-life health problems, assisted living, and even the faintest possibility of nursing care shuts so many of us down that one study reveals 93% of American households never talk about long-term care.

Consider that for a moment. Almost every family has at least one member in skilled or nursing care. Almost 70% of Americans will personally experience their own long-term care event with an average length of 2.3 years. The federal government’s single largest expenditure for Medicaid is long-term nursing care for the poor and elderly, and costs for mediocre care could approach six digits within a generation. Yet almost no one spends as much time planning for long-term care as it takes to read this short blog entry.

Unfortunately, most are destined for Medicaid as their only hope. Since few think of government control over their finances and medical decisions as a desirable solution, what other help for long-term care is there? Competition and experience in underwriting has made long-term care health insurance more affordable, yet new developments allow families to plan for the worse without devoting hundreds of dollars each month to premium. Savvy companies like TransAmerica offer affordable insurance policies with living benefits, accessible to clients with declining health so they can afford care or want to ensure they enjoy the time they have left with family. New developments in fixed-indexed annuities allow mature adults to build money for retirement with provisions specifically intended to fund better long-term care planning than they could previously afford.

If you haven’t made a long-term care plan yet, your current plan is to spend down your estate until Medicaid takes over. This leaves you with little control over your finances and decision-making. If you’d like a better plan, reach out to an experienced agent at Yeager Insurance and ask what approach might be more suitable for you.

March 04, 2014

Snow and ice are inevitable during the winter months, and they can wreak havoc to a car. This current season has been one of the toughest winters West Virginia has seen in a while, and Yeager Insurance wants to make sure your car is protected. It’s a good time to inspect your car for any issues that may have occurred during the last few storms, and prepare for any lingering ones that may hit as the season comes to a close.

The first thing you need to do is remove any road salt from your car. While a necessity for safe travel conditions, road salt is one of the most corrosive substances your car comes in contact with. If left on the body or undercarriage of a vehicle, road salt promotes rust, destroys the finish, and can affect the vehicles mechanics. Pick a day where the temperature is over 40 degrees and run your car through the car wash. Because winter isn’t quite over yet, make sure to open and close all the doors and trunk to prevent freezing, just in case the temperature drops overnight.

The second thing is to check your tires. The snow is starting to melt, but the potholes are getting bigger. Sometimes unavoidable, potholes play a major factor in damage to a tire. From bent rims, punctures and tread loss, to full on shock and strut damage, potholes are pretty much guaranteed to be found on post winter roads.

It’s important to check your tires for low pressure readings. Tire pressure can drop in cold temperatures, and unless your car has an automatic sensor, you may not be aware of the change. Keeping your tires inflated to the correct PSI will extend the life of your treads, maintain gas mileage, and ensure braking reliability. While down there, check your tires for any built up snow or ice that may impede performance.

It’s also a good idea to give your car an overall quick tune up. Check the fluid levels, replace the wiper blades, and check the car’s air filters. With spring approaching, transitioning your car from winter conditions is a necessary step to extend the life of your vehicle. Having a mechanic check your car for any signs of winter wear is always a great idea. This way, should any issues present, you can get a head start on correcting them.

The sunshine and nicer weather is coming. As soon as it does, you’ll want to get out and apply a coat of wax to your vehicle to provide additional protection. Also, give some love to the interior of your car, which has seen its share of muddy boots and snowy shoes.

You rely on your car every day, so giving it a little extra attention during the winter is crucial. Regular winter vehicle maintenance can ensure that your vehicle will be around to see next winter.

WHO Says: Say No To Tobacco!

We are fairly certain you’ve heard this before: Tobacco is a leading cause of death and illness around the world, killing nearly 6 million people a year—5 million of whom are direct tobacco users and more than 600,000 are those exposed to second-hand smoke. This is precisely the reason why the World Health Organization (WHO) finds the need to highlight the health risks related to tobacco use and advocate for effective policies to greatly reduce tobacco consumption worldwide. Every year, they’ve marked a date for the World No Tobacco Day movement, and it happens every 31st of May.
Yeager Insurance joins WHO in their advocacy, and wish to help educate everyone about tobacco and its harmful effects to one’s health. Did you know that tobacco use caused 100 million deaths in the 20th century, and may cause about one billion deaths in the 21st? There are a lot more information you might not have heard. Take a look:


○ Heart disease (coronary artery disease, increased risk of heart attack and stroke)
○ Cancer (lungs, larynx, pharynx, oesophagus, liver, etc.)
○ Emphysema
○ Bronchitis
○ Chronic airway obstruction


○ 5 million deaths per year, worldwide; projected to rise to an annual 8 million deaths by 2030 according to current trends

○ In the United States, smoking is held responsible for one in five deaths (resulting to about 443,000 deaths per year, 49,000 of which result from second-hand exposure)

○ On average, smokers die 13 to 14 years earlier than nonsmokers

If you are a smoker who wants to quit or know of someone who does, how do you begin? Lots of research has been done with this objective in mind, resulting in a lot of products and programs that promise to help one kick the habit, most of them readily available to the public. Reader’s Digest has published a helpful article on the subject that you might want to read and ponder. Help keep the world smoke-free! Happy World No Tobacco Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

7 StepsTo Keep Your Pool Safe And Clean

If your indoor pool is only frequently used by members of your family, should you still clean it regularly?

The answer is YES. Pools are open water systems that are exposed to different elements such as rain, debris, insects, fallen leaves—some of which can eventually decompose and attract bacteria. Did you know that waterborne illnesses like cholera, gastroenteritis and typhoid are most commonly spread through pool water?

We at Yeager Insurance believe that “Health is Wealth,” and we want you to protect your family’s wealth by taking initiative. In this case, take it upon yourself to maintain the safety and cleanliness of your home’s indoor pool. Let us offer you these 7 steps to make sure your family is safe the next time they take a plunge!

ONE: Remove any and all debris.
Use a skimmer to skim all floating debris from the water and dispose the waste to prevent it from getting blown back into the water. Should there be trees/vegetation nearby that shed leaves and flowers into the pool, try trimming them from time to time.

TWO: Set up the vacuum.
Reach for the nozzles of the return jets on the sides of the pool and direct them downwards. Connect the vacuum to the hose and prop up the pole so that the vacuum head is suspended over the water. Use one of the jet nozzles to fill the hose end until water pours out of the vacuum. When full, dip the vacuum head and clamp a hand over the hose until you are able to connect it at the skimmer.

THREE. Proceed with vacuuming the pool.
Move the vacuum slowly across the water (pretty much like you operate a lawn mower) in overlapping parallel lines. Brush any algae off the sides of the pool with a nylon brush on the vacuum pole. You can use a stainless steel brush for concrete surfaces.

FOUR: Adjust and correct chemicals.
Make it a point to test and correct pool chemicals every week if possible. Use muriatic acid to adjust pH if it’s above 7.6, or soda ash product it it’s under 7.4. Should the chlorine be below 1 part per million (ppm) or alkalinity be less than 90ppm, “shock” the water by dissolving chorine and alkalinity increaser like baking soda in a bucket of water and toss it in.

FIVE: Backwash the filter.
Redirect the waterflow by turning the filter valve to backwash, and wait for the filter to collect all the dirt it can manage. Remember to empty the filter every other week, and replace every few years.

SIX: Clean the filter.
Shut the system off and close the skimmer valve in front of the pump to hold the water in place—do this so that you won’t have to reprime when it starts up again. Afterward, unscrew the trap’s cover and empty the basket into a garbage bin.

SEVEN: Add chlorine to the system.
The chlorinator is a tubelike tank next to the filter and you can use it to introduce chlorine in the form of slow-dissolving sticks into the pool. Read the packaging and calculate the number of chlorine sticks you would need for your pool, based on the water volume.

Are these 7 steps too complicated for you? Of course there is always the option to have your pool regularly cleaned and maintained by professional pool cleaners. The most important thing to note is that keeping your indoor pool maintained well will help you and your family avoid harmful diseases in the long run. So keep that pool safe and clean, and get through the summer months swimmingly!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

National Employee Health and Fitness Day

Is It Possible To Keep Fit At The Workplace?

The National Employee Health and Fitness Day—established in 1989 and celebrated every third Wednesday of May—is a national health observance which was created to promote the benefits and advantages of physical activity in the workplace. In this day and age, employees experience higher stress levels and the sad fact is that as stress levels increase, health levels decrease. This is the main reason why Worksite Health Promotion, or programs encouraging employees to pay attention to both their physical and mental health, has continued to become popular among companies.

Yeager Insurance is expanding into the St. Albans area soon, and we understand the importance of workplace health.  As we grow to provide insurance to Putnam County and now Kanawha County in West Virginia, we realize the people in our company need the opportunity to stay healthy and mobile.

As an employer, what do you do to help keep your employees healthy? Here are some ideas:

Facility Installation — Should your company have an ample budget for it, provide your employees with on-site facilities for physical activities (i.e., a small gym or game room).

Work Hour Flexibility — In conjunction with the first item, allow your employees to take breaks and participate in physical activities.

Promote, Promote, Promote! — Encourage your employees to engage in physical activity such as walking or riding a bicycle to work, or taking the stairs as opposed to riding the elevators. It’s also suggested you offer certain services such as bicycle storage and shower/changing facilities.

As an employee, do you find there’s not enough time in the day to be physically active because of your work schedule? Try these:

The Daily Commute — If you’re living nearby and can afford to walk or ride a bicycle to the office, then by all means do so! Burn some more calories and keep yourself limber by taking the stairs every once in a while.

Fitness Breaks — Instead of leaving your workdesk to hang out at the lounge with a snack, use your break to do a little brisk walking or some gentle stretching. Keeping fitness equipment (i.e., small hand weights or stretchy cords) nearby will allow you to utilize them between tasks.

Get Co-Workers To Join You — Get a group of co-workers you could talk into taking lunchtime walks, and hold each other accountable for exercising regularly. You can even forge new friendships this way!

Do remember that commemorating National Employee Health and Fitness Day just once a year doesn’t mean you should only mind your (and your employees’) healths for a single day. There is, after all, that saying that goes “Health is Wealth,” and you want to be wealthy for the rest of your life!

Happy National Employee Health and Fitness Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

Credit-Based Insurance Scores Explained

Yeager Insurance, like most insurance companies, uses many factors to price your insurance, including your driving record, your claims history, the type of home or vehicle you own, and your credit-based insurance score.

What is a Credit-Based Insurance Score and Why Does it Matter?

Your credit-based insurance scores is not the same as your personal credit score, nor is it a measure of your credit worthiness. The credit-based insurance scores is a number that measures your likelihood of having an insurance claim. Studies have shown that consumers with higher credit-based insurance scores have fewer and less severe losses. For this reason the credit-based insurance scores is useful as a rating factor, but it is only one of many that are used.

Because your personal credit history affects your credit-based insurance scores, it is important to regularly review it and make sure that it is accurate. The Fair Credit Reporting Act (FCRA) allows you to order one report for free from each of the major credit reporting agencies each year. You may also purchase a “3-in-1 report” to review your scores from all three major credit bureaus—Equifax, Experian, and TransUnion.

Credit Rules Vary by State
Most states have rules about how credit information can be used in insurance. Contact your state’s Department of Insurance for the latest information on your state’s rules.

Credit Report Errors
If your credit record is incomplete or has an error, ask the credit reporting bureau to make the corrections. If they do they will notify you in writing. Then you can let us know if you want your policy number updated by providing a copy of the notice with your name and policy and mailing it to: Safeco Imaging Center, PO Box 515097, Los Angeles, CA 90051-5097.

Dark Chocolate for a Healthy Valentine’s Day!

Indeed we have entered that time of the year when people practice their creativity in showing affection to their beloved, and even in this era of electronic mail and text messages, the act of giving the person you love chocolates hasn’t yet been considered a thing of the past. Why should it be, when chocolate is one of the best things in the universe?

It’s not as thrilling for the health conscious, however, to receive a lot of chocolate for Valentine’s, but there is always that option to send your loved one the healthy kind: dark chocolate. Recently, it has been discovered that eating dark chocolate could be beneficial to one’s health as well! Let’s see these facts:

Fact #1: Dark chocolate is good for your heart.

According to some studies, eating a small amount of dark chocolate twice or thrice a week may help lower your blood pressure. This is because dark chocolate improves blood flow, and additionally helps prevent blood clots to form. Having dark chocolate every now and then is also found to possibly help prevent hardening of the arteries or arteriosclerosis.

Fact#2: Dark chocolate is good for your brain.

Dark chocolate contains several chemical compounds that can create a positive effect on an individual’s mood. It contains phenylethylamine, or PEA. It is the very same chemical our brains create in the midst of feeling in love, and PEA makes the brain release endorphins, so eating dark chocolate can make a person happier. A mild stimulant, caffeine, may also be found in dark chocolate.

Fact#3: Dark chocolate is high in vitamins & minerals.

Dark chocolate contains high concentrations of potassium, copper, magnesium and iron. Copper and potassium help prevent against cardiovascular ailments and stroke while the iron fights against iron deficiency anemia. Meanwhile, the magnesium helps us avoid type 2 diabetes, high blood pressure and heart disease.

Fact#4: Dark chocolate has theobromine.

Theobromine, known to harden the tooth enamel, is also found in dark chocolate. This means that unlike other sweets, dark chocolate lowers one’s risk of getting cavities. (Of course you would still need to practice good oral hygiene for best results.)

Fact#5: Dark chocolate helps control blood sugar levels.

Flavonoids in dark chocolate help reduce insulin resistance, helping yours cells function normally so that it will regain the ability to use the body’s insulin efficiently. Additionally, dark chocolate also has a low glycemic index, and wouldn’t cause your blood sugar levels to spike.

Fact#6: Dark chocolate has a lot of antioxidants.

Antioxidants help your body get rid of free radicals which cause damage to cells. Free radicals can also speed up the aging process as well as cause some cancers, so eating food with a lot of antioxidants can slow an individual’s aging process as well as protect them from cancer.

While we have listed several advantages to consuming dark chocolate, you should also bear in mind that chocolate is high in fat. It’s always wise to still keep track of your calorie intake to keep yourself a healthy, balanced person.

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.


Keep Your Home Safe This Christmas Season

‘Tis the season to be jolly, and as per tradition, you may have already noticed the gradual glowing of your immediate surroundings. Homes, offices and commercial establishments may have begun decking their halls with more than just boughs of holly, and we’re guessing you yourself may be doing the same. Before you haul that new Christmas tree in or hang a bunch of running lights by your window, though, bear in mind that these very same decors can increase the risk of fires.

According to data from the National Fire Protection Association (NFPA) and the U.S. Fire Administration (USFA), an estimated 240 home fires involving Christmas trees and another 150 holiday lights-related home fires occur every year. All in all, these result in 21 deaths and $25.2 million in direct property damage. Keep your home and family members safe this Christmas by taking note of these safety tips.


Does your household have a natural tree included in this year’s festivities? If so, then remember this very important note: Keep the tree watered.

Yearly, Christmas trees account for a lot of fires because typically, electrical shorts or open flames from candles, lighters or matches can start tree fires. While well-watered trees aren’t a problem, a dry and neglected tree can be. Also keep in mind that when selecting trees, needles that are green and hard to pull back from the branches should be taken into consideration. If the tree has been freshly cut, make sure that the needles do not break, and its trunk should be sticky to the touch. To test if the tree is old, bounce the tree trunk on the ground. If a lot of needles fall off, it means that the tree has been cut for too long and dried out, and could be a fire hazard.

When put on display, be careful not to put your tree near a heat source because it will dry the tree out and cause it to be more easily ignited. It also helps to take note of how long you’ve put your tree up. Don’t put it up too early, and don’t leave it longer than two weeks. Again, keep the stand watered at all times.

When disposing of your tree, never put branches or needles in a fireplace or wood-burning stove. The best way to dispose it is to take it to a recycling center or having it taken away by a community pick-up service.


Before putting up your holiday lights, inspect them well for frayed wires, bare spots, excessive wear and other signs and signals indicating that you need to have them changed. Check your power supply too, and make sure you don’t overload your electrical outlets with too many light strands/decors. Check the wires periodically once installed. They shouldn’t be warm to the touch.

If possible, avoid the use of lit candles. Nowadays, there are battery-operated flameless candles which look and smell like real ones, so consider using those. However, if you do use lit candles, make sure they are installed in stable holders and are placed in areas where they cannot easily be knocked down. Never put lit candles on a tree, and remember not to leave them lit when you are going to bed.

It is advisable to have working smoke alarms in your home to alert you in case something goes wrong. Have them checked and keep them equipped with fresh batteries at all times. It also helps for every member of the family to know what to do, who and how to call in case of a fire. Enjoy the holidays and all the glad tidings it brings, and may you all have a safe and warm Christmas!


Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.