Insuring Personal Electronic Articles (SmartPhone & iPhones)

iphoneA policyholder that lost his iPhone unfortunately found out that a homeowners’ policy usually does not cover losing or misplacing an iPhone (or any electronic device).  Contrary to what the Apple and ATT representatives said in comfort when the iPhone was reported missing, it is NOT covered most the time if you lose, misplace or break it.

Homeowners’ policies do cover electronic devices (including the iPhone) for such losses as fire, theft—but just losing or misplacing an iPhone is not covered.

If the iPhone was covered under one of the above perils the deductible (usually around $500 to $1,000) would apply.

So how can we go about getting electronic devices covered without having to first meet a deductible? Insurance for electronic devices can be added  to the homeowners’ policy like we do for jewelry, cameras, coin collections and firearms. The cost usually is approximately between $30 and $50 per year and varies per company.  Most all of our partner companies allow us to individually list and insure these electronic devices.  Once an item is scheduled on a homeowners’ policy no deductible will apply to the loss.

One of our partner companies, State Auto, offers and endorsement to the homeowners’ policy that provides this coverage, plus many other coverages.  Their coverage has no deductible and no hassle, plus it doesn’t go against your homeowners’ insurance if you have a claim.  State Auto’s “Prime of Life” coverage is free for Auto & Home customers over the age of 45 and is available for approximately $60 a year ($5 a month) for those under 45.  All of your phones would be covered with this, so if you are currently paying for cell phone coverage with your wireless provider this could be potential savings for you.

Did you know:

  • 35% of Americans owned a SmartPhone in 2011. Just 4 years later that figure is now 71%.
  • 92% of Americans have a cell phone of some kind… including 75% of people over the age of 65.
  • in 2005 only 6% of people aged 50-64 used Social Media. Just 10 years later it’s now 70%.

Please contact us if you would like more information about scheduling coverage for your electronic equipment.

InsWeb Blog about this issue

[VIDEO] Blues and Barbecue, Milkshakes and Magic (2015)

We had a great time volunteering with fellow Independent Insurance Agents at the Java Shake booth for our local WC Handy Blues and BBQ Festival that is going on this weekend (June 18 to June 20, 2015).

Yes, Norris Priest was showing magic tricks!  Watch the video below.

Electronics Recycling in #HendersonKY

hestcDo you have an old computer, stereo, or appliance that you are about to toss?

Henderson has a better solution to dropping it off at the landfill or placing it in the trash.

The Hugh Edward Sandefur Training Center offers to take most computer equipment and common household electronics/appliances. The items are disassembled and separated into different categories where they are sent off to recycling facilities.

They are located at 1449 Corporate Ct., just off of Sand Lane.  Phone 270.827.2401

It is recommended that you call ahead to arrange a drop off time.

Tree Safety in Storms

A single weak or diseased tree can cause danger to your home or family, and may even knock out power to your neighborhood. A Travelers Safety Specialist shares information and tips to help keep your property safe.

Start of Summer Safety Tips

Burning Down the House’ Should Be Party Soundtrack, Not Your ResultQuick question: What national event will be celebrated by millions of Americans on Memorial Day weekend?

Hint: It involves major partying, extreme danger, risk of major injuries, and bone-crushing crashes.

Another hint: “Gentlemen, start your…”  GRILLS!

Yes, friends, this year May 28 is the official kickoff to outdoor BBQ season. Maybe you were thinking the Indianapolis 500? Hah! When it comes to thrills and danger, nothing trumps a fired up, hard-partying bunch of folks gathered round the grill. Add in a pool or a crowded deck or balcony, and keep those ambulances and your homeowners insurance on call.What can go wrong?According to the National Fire Protection Association, here is the cookout track record from the last five years:
  • U.S. fire departments responded to an average of 8,200 home fires involving grills, hibachis or barbecues per year, including an average of 3,400 structure fires and 4,800 outside fires. These 8,200 fires caused an annual average of 15 civilian deaths, 120 civilian injuries and $75 million in direct property damage.
  • More than one-quarter (29%) of the home structure fires involving grills started on a courtyard, terrace or patio, 28% started on an exterior balcony or open porch, and 6% started in the kitchen.
  • In 50% of the home outdoor fires in which grills were involved, 55% of the outside gas grills, and 36% of gas grill structure fires, the fire started when a flammable or combustible gas or liquid caught fire.
The good news? That homeowners policy recommended by your Trusted Choice® independent insurance agent will cover accidental damages such as the above whether you burn down your house or the whole neighborhood. It also will respond for liability arising from that party near the pool or the deck or balcony that collapses under the strain of all those partying guests.But you, we, your guests and we really would prefer no fire or hospital trip, so here are a few safety and prevention tips:Grilling Safety
  • Grills are for outside, only. Never barbecue in your trailer, tent, house, garage, or any enclosed area. The carbon monoxide also may accumulate and kill you.
  • Use in well-ventilated area. Avoid fire hazards as well as potentially fatal carbon monoxide poisoning by setting up your grill in an open area that is away from buildings, overhead combustible surfaces, dry leaves, or brush. Be sure to avoid high traffic areas and be aware of wind-blown sparks.
  • Keep grill stable. Be sure that all parts of the unit are firmly in place and that the grill can’t be tipped over.
  • If electrically-operated accessories are used (rotisseries, etc.), be sure they are properly grounded in accordance with local codes. Electrical cords should be placed away from walkways or anywhere people can trip over them.
  • Use barbecue utensils with long handles (forks, tongs, etc.) to avoid burns and splatters.
  • Wear clothing that does not have hanging shirt tails, frills, or apron strings that can catch fire, and use flame-retardant mitts when adjusting hot vents.
  • Use baking soda to control a grease fire and have a fire extinguisher handy. A bucket of sand or a garden hose should be near if you don’t have a commercial extinguisher.
  • Never leave a grill unattended once lit.
  • Don’t allow anyone to conduct activity near the grill when in use or immediately following its use. The grill body remains hot for as long as an hour after being used.
  • Never attempt to move a hot grill. It’s easy to stumble or drop it and serious burns could result. 
Pool Party SafetyMake sure there’s a phone nearby. In the event of a life-threatening emergency, having a point of contact within arm’s reach could very well be the difference between life and death.
  • Designated a “guard.” When children are in the pool, make sure there’s always an adult supervising. If there’s more than one adult, they can alternate lookout shifts. Anyone who’s “on duty” should refrain from consuming alcoholic beverages.
  • If you’ll be playing any games during the pool party, hold them at a considerable distance from the water to prevent accidental falls.
  • Keep plenty of sunscreen, towels, and extra T-shirts on hand to protect tender skin from getting burned by UV rays.
  • Anyone with a swimming pool on the premises should be fully trained in CPR (cardiopulmonary resuscitation).
  • Instruct swimmers to remain clear of any pool drains or filters that may pose hair-catching hazards.
  • Make sure that all standard rescue equipment, such as flotation devices and safety poles, are nearby during your summer party. Although these tools should be easily accessible, they shouldn’t be kept in a place where children could be encouraged to use them as toys.
  • When serving poolside meals or drinks at your summer party, use plastic glasses and tableware rather than glass, as the latter potentially could shatter and fall onto the pool deck or into the water.
  • Nothing boosts the energy of a pool party like summer music, but be sure that all CD players, stereos, and other electronics are kept at a safe distance from the water to prevent electrocution.
  • In the event of a thunderstorm, evacuate the pool and move the party indoors.
  • Restrict diving to designated areas with sufficient depth and proper diving boards. Never let anyone dive off the edge of the pool or into shallow areas.
And to be certain your current homeowners coverage limits are equal to your grilling ambitions, talk with us here at Vaughn Insurance Agency about any questions you might have preventing summer time claims situatations.This article was written by our Trusted Choice® partners.Our offices will be closed Memorial Day however our phones are answered by a licensed insurance professional, please contact us if you need claims or policy service.
original post 5/25/201206, 6/8/14

Backup of Water/Sewer and Sump Pump Overflow

There are many endorsements that can be added to a homeowner’s policy.  One being Backup of Water / Sewer – Sump Pump Overflow.  This coverage is not automatically included under a standard homeowner policy, but can be added back in with this endorsement.  The limits usually go in $5,000 increments with some companies offering as much as $50,000 or more.


Photo courtesy of Midwest Basement Tech.


This coverage can be critical for homes with a basement, whether finished or not.  However, a home without a basement can also have a potential back up of water or sewer.


Please email or call our office to discuss this or any coverage for your home, auto, life, health or business insurance.  We appreciate your business.


Have you had a backup of water / sewer or sump pump overflow?

kynect Open Enrollment Ended February 15, 2015

Open enrollment for 2015 for kynect Kentucky’s Healthcare Connection ended February 15, 2015.  Open enrollment will open again on November 1, 2015 till January 31, 2016.

If you have a life event, you will qualify for Special Enrollment.

Open Enrollment ended on February 15th, 2015, meaning that the only way to buy health insurance is through a Special Enrollment Period.

Special Enrollment Periods are a 60-day window during which you can buy insurance that is triggered by one of the following events:

  • Losing Coverage
  • Losing your job
  • Employer dropping coverage
  • Losing Medicaid/CHIP eligibility
  • Turning 26 and losing parent’s plan
  • Moving or relocation
  • COBRA expiring

Life Events

  • Having a baby
  • Becoming a citizen
  • Getting married
  • Getting divorced
  • Getting out of prison/jail
  • Adopting a child
  • Placing a child for adoption
  • Gaining status as a member of an Indian tribe

We will be glad to help you here at Vaughn Insurance figure out Kentucky kynect Health Insurance.

Ways to get help: 



Holiday Safety Tips

While the holiday season is a time to be thankful for all that we have and the time for giving to others, unfortunately  it is also a time for extra diligence to protect yourself from becoming a victim.

bad-santaIt is important to be vigilant and make good decisions during the holiday season.  Below is a list of suggestions provided by Officer Jennifer Richmond of the Henderson Police Department. to help protect you and your property, which we have tweaked.

  1. Do not leave your vehicle running while unattended.
  2. Do not leave purses, electronics or other items of value in your vehicle in plain sight.  Place them in the trunk if possible and make sure your doors are locked.
  3. Do not leave your purse in your shopping cart unattended and always hold onto it. My wife uses the buckle on the cart to buckle in her purse. Here is another idea to secure your purse, the PersLock.
  4. If your Christmas tree is situated in front of a window, do not put all the gifts on display where they can easily be seen by someone looking through the window.
  5. Keep an eye on your children at all times when shopping.
  6. Be aware of your surroundings when going to/from your vehicle.  Know where your car keys are and possibly have them in your hand.  The keys could be a self defense tool, along with the alarm/panic button on your key fob.
  7. Park in a well lit area.
  8. Beware of con-artist who may try to distract you in order to steal from you.  Sometimes they work in teams with one distracting you while the other steals from you.
  9. Do not carry large amounts of cash when shopping or overload yourself with packages.

If you witness a crime or become a victim it is important to report this to the local police as soon as possible.  Don’t try to be a hero.  No personal property that you have is worth risking your own safety.  Be a good witness and pay attention to details.  This will help the police catch the offender.

If you wish to have personal protection, Kentucky is one of the states that offer a conceal carry deadly weapon permit.  Click here for additional details.

Drivers Training Classes: Is it important for my Teen Driver to take?

This is a very common question that our agency is often asked. We will try to explain our position.

Would it be beneficial in terms of premium savings to have our teenage driver enroll in the local driving school?

You will not recoup the amount of the class tuition in discounts the first year for taking driver’s training. However, you will keep this discount for several years, so the savings over time will accumulate.

With that being said. We have seen statistics showing that young drivers that have been through a driver’s training school are less likely to have auto accidents. So, if you can decrease their probability of having an accident and you having to pay a deductible, you come out ahead having your teenage child take driver’s training. More important than discounts and deductibles is the safety and welfare of your child and those that may be riding with them. If the class will keep them safe, it is priceless.


We understand that some students have a school work load that doesn’t allow them much extra time for taking a driver training course. If it becomes an issue with time and your teenage driver needs to spend more time on school work, you both will have to decide if there is enough time for the driver training course. With safety and education in mind, we hope you can find the time for both.

In Henderson KY we recommend Pascal Bensons Driving School.

Another blog we have written about Teen Insurance.

Did a professional drivers Training course make your teenager a better driver?

original post 9/30/2009

Deer Insurance?

We here at Insurance see lots of deer claims starting now.  They can really cause some damage to your vehicles.

Remember that deer claims fall under comprehensive coverage (sometimes referred to as “other than collision coverage”) which is optional coverage that is part of physical damage to your covered auto.  If you don’t hit the deer but run off the road to miss the deer, those claims fall under collision coverage which is also optional coverage that is part of physical damage to your covered auto.

Your deductibles for comprehensive and collision may be different, so depending on if you hit the deer or not, may affect how much out of pocket expense you have.  Also if you don’t hit the deer, but swerve to miss it and damage your auto, some companies will charge you for an at fault accident since it is paid out under the collision portion of your policy which can increase your premium.

Let us know if you have some questions about auto accidents involving deer.

(original post 9/30/2010, 10/29/2012 & 11/08/2013)

Vaughn Insurance Agency Co • 315 N Main St, Henderson, KY 42420 • 270.827.3505 •Trusted Choice | Privacy Notice
We are licensed to write insurance in the following states: Kentucky, Indiana & Illinois