Movie Claim Monday- Beauty and the Beast

Movie Claim Monday Beauty and the Beast

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

This week’s movie claim Monday is on Disney’s Beauty and the Beast** (the new one), simply because the writer of this blog has a two year old and that is the only movie we have been watching for the past month.  Disregarding the fact that this is taking place in revolution-era France, there are a few parts in this movie that the insurance agent in me kept noting:

-During the Gaston song, Gaston uses his gun and shoots the ceiling.  Would the business insurance cover that?  Maybe—it could be considered vandalism.  But if he owns the tavern, as it seems that he might, then no, because he (the owner) is knowingly damaging his own property.

-In terms of homeowner’s insurance, would the castles crumbling walls be covered?  Nope.  Though it is due to magic, I still think it is wear and tear and that is never covered by any homeowner’s insurance.

-Lastly, would the enchanted objects need life insurance or would they just be considered personal property?  Not like they’re constantly being destroyed or anything, but near the end Chip almost gets smashed to smithereens, and I just have to wonder if and how he would have been covered.

 

 

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR.  Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

**All characters described and mentioned are copyrighted by Disney

Employee Spotlight Shane Neal

Employee Spotlight Shane NealThis month’s employee spotlight is on our fabulous producer Shane Neal.  Shane has been in the insurance industry for 15 years, specializing in commercial insurance and contract bonds.  He has been married to his beautiful wife Christa for 23 years, and they have 6 children.  When he’s not working, Shane likes to fly fish, go backpacking, and do wood work.

We asked Shane for some interesting facts about himself and he did not disappoint.  Shane has flown a plane, is an Eagle Scout, has a Welsh Corgi named Charlie (who is too cute for words!) and bred and trained quarter horses when he was younger.  Shane is such a fun guy and we love having him on our team!

Five ways to get your car stolen

five ways to get your car stolen

 Five sure-fire ways to get your car stolen

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.

 

At Brown & Brown Insurance of , we don’t want you walking out your door to an empty driveway or leaving {local mall} only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes.

 

  1. Leave your car running … and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail.
  2. Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
  3. Put valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination.
  4. Leave your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set.
  5. Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker.”

 

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!

Contact Us!

At Brown & Brown Insurance of New Mexico, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505-592-2500 or send us a note at info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Content provided by Safeco Insurance

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