|
Help Us Fill Our Holiday Donation Basket
During the month of December, we are collecting new gloves and mittens to donate to charity. You can help us fill our Holiday Donation Basket. For every new "Like" on our Facebook page during the month of December, we will place a pair of gloves or mittens in our basket. Tell your friends to "Like" us and help us fill our Holiday Donation Basket. We also invite you to visit our office to make your donation of gloves or mittens in person. Let's bring warmth and good cheer to those in need this holiday season!
|
Quick Links  421 N. Market Street Wooster, OH 44691 (330) 264-6603 Homer Yost Agency Website
|
|
Did you know Homer Yost Agency has a Sister Company?
Brooker Financial Corp. is a full service mortgage company with expertise in all areas of mortgage lending.
If you are looking to buy a new home or refinance your current home, Brooker Financial Corp. can help.
For more information, click on the link below, or call Andy Morean at
(866) 537-2476
Brooker Financial Corp. |
Quick Links Follow Homer Yost Agency on Facebook! 
|
|
From All of Us at Homer Yost Agency, We Wish You a Joyous Holiday Season and a Happy New Year!
|
|
|
Welcome to the Homer Yost Agency Herald, a quarterly publication dedicated to providing timely information and tips to insure a better life! |
|
|
Consider an Annuity
It Could Bring Stability to Your
Savings Plan
With today's economic challenges, it is hard to earn a decent return on your retirement savings. You may prefer the safety of certificates of deposit over the volatility of the stock market, but interest rates are at an all-time low. Consider adding an annuity to your savings plan. Some advantages of annuities are:
- income tax is deferred on annuity earnings until they are withdrawn from the policy;
- annuity income payments can be designed to fit specific needs;
- annuities avoid probate and pass directly to the named beneficiary without surrender charge.
The companies we represent offer annuities with competitive interest rates with a minimum guaranteed rate for the life of the contract. With the current market environment, an annuity with a financially sound life insurance company could bring stability to your savings plan. Call us for more information and to see if an annuity fits your savings needs. |
| Technology Creates Greater Need for Personal Injury Coverage
The term "personal injury" may bring to mind images of bodily injury such as a broken arm or leg. However, under a homeowner's policy its meaning is clearly different. Under a homeowners policy "personal injury" is a type of liability meaning injury arising out of one or more of the following offenses: false arrest, detention or imprisonment; malicious prosecution; wrongful eviction; oral or written publication of material that slanders or libels a person or organization; oral or written publication of material that violates a person's right of privacy.
In this day of technology driven communication through mediums such as Facebook and Twitter, there is increased risk of you or a family member finding themselves involved in a communication where a "personal injury" has been committed or perceived to be committed. In order to have protection under your homeowner's policy for this type of liability, you need a special endorsement added. Personal injury liability coverage is very affordable. Including this coverage under your policy will give you added peace of mind in this age of "posts" and "tweets".
|
|
Ask Anne
Frequently Asked Insurance Questions
Q. Should I schedule jewelry on my Homeowner's Policy?
A. Homeowners policies commonly limit the amounts paid for theft of jewelry. Additionally, the covered causes of loss to jewelry are limited under the standard homeowner's policy. Scheduling jewelry provides broader protection - for example covering "mysterious disappearance", flood and earthquake. There are very few excluded causes of loss applying to scheduled jewelry (e.g. wear and tear; gradual deterioration; insects or vermin; war or nuclear hazard). We recommend scheduling your valuable jewelry. |
Health Care Reform Update  With the enactment of the Affordable Health Care Act, significant changes to the health care and health insurance industries will be implemented over the next several years. Each quarter in the Homer Yost Herald, we'll answer a question relating to health care reform to help you understand the various changes brought on by the new legislation. Q. How does the Affordable Health Care Act affect the annual and lifetime dollar limits on the benefits I receive under my insurance plan?
A. Before the new health care law, many health plans set an annual dollar limit on your covered benefits. Many plans also set a lifetime dollar limit on what they would pay for your covered benefits during the time you were enrolled in the plan. You were responsible for paying the cost of all care exceeding those limits. The Affordable Care Act restricts and phases out annual dollar limits that all job related plans and individual health insurance plans can put on most covered health benefits. Beginning January 1, 2014, no annual dollar limits are allowed on most covered benefits. The lifetime dollar limit on most benefits is prohibited in any health plan issued on or after September 23, 2010. |
|
|
|
|
