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~Alex Hastings~
Hastings Insurance Solutions LLC
~Guide One~

872 Tanglefoot Ln
Bettendorf IA 52722

563-355-0262 Office
641-494-9494 Cell
855-355-0262 Fax







ramsey 2

Are You Making a Mistake with Your Homeowners Insurance?

Buying a home is a big commitment, and you owe it to yourself to protect it. Before you make a decision on which policy to buy, it pays to be informed.

Get up to speed by requesting my free guide, "What You Need to Know Before Buying Homeowners Insurance."

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Quick Quiz

Each month I'll give you a new question.

Just reply to this email for the answer.

Until when was it technically illegal for Parisian women to wear trousers?
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Recipe: Parmesan Chicken

  • 3 tablespoons butter
  • 6 skinless chicken cutlets
  • 2 teaspoons dried oregano
  • 1 teaspoon salt
  • 1 teaspoon paprika
  • 3 tablespoons grated Parmesan cheese
Preheat oven to 400 degrees.

Melt butter by placing it in a shallow baking dish in the oven for about five minutes. Remove dish from oven. Add chicken to the hot butter, sprinkle with half the oregano, salt, and a light dusting of paprika.

Cover dish with foil and bake for 10 minutes. Remove from oven, turn the chicken over, and spoon butter over chicken. Sprinkle with remaining oregano, salt, paprika, and Parmesan.

Continue baking uncovered for 10 minutes. Remove from oven and allow to rest 5 minutes before serving.
Worth Quoting

This month, some famous quotes on the topic of laughter:

Laughter is the sun that drives winter from the human face.

Victor Hugo

A day without laughter is a day wasted.

Charlie Chaplin

The person who can bring the spirit of laughter into a room is indeed blessed.

Bennett Cerf

There is little success where there is little laughter.

Andrew Carnegie

The human race has one really effective weapon, and that is laughter.

Mark Twain

Laughter is the closest distance between two people.

Victor Borge

E-mail me directly for anything, expertinsurancesolutions@gmail.com
PLEASE do NOT reply to these, as the server won't always fwd to me.

Have Happy END of Winter and Thanks for reading.

Inside Your Newsletter this Month...
Smart Homes May Lead to Reduced Premiums

When the auto industry introduced smart cars, the insurance industry had to figure out how to insure them.

Luckily, engineers intended smart cars to be safe cars. Recently, the 2014 Smart Fortwo and the Scion iQ received "Good" scores in three out of four crashworthiness tests conducted by the Insurance Institute for Highway Safety (IIHS).

This certainly makes drivers and insurance agents happy, but smart technology isn't limited to the roads. One of the next innovations many people want to take advantage of is smart homes.

According to a survey recently conducted by Harris Poll for Lowe's, most Americans crave the ability to control things in their home by accessing their phone. Sixty-two percent of those polled felt that a smart home was crucial for "monitoring safety and security."

Cranky morning jokes aside (e.g., How does turning on your coffeepot from the comfort of your bed make you safer?), some smart home features are designed for convenience and others for energy efficiency.

Is the ability to remotely adjust the coffeepot or the thermostat likely to impact your insurance? Probably not.

However, some smart home features will. In fact, your insurance rates may drop significantly if, for example, your home comes equipped with moisture sensors located near sinks and toilets (think flood avoidance).

Or, what if your built-in security system is able to notify you via a phone app as soon as something goes wrong at home, such as a break-in?

Other apps allow you to lock your door from afar. And Nest-a company heavily involved in designing smart technology-has just released an advanced fire alarm that alerts you at the first sign of smoke and senses carbon monoxide.

If you're considering purchasing a smart home or making smart upgrades to your current home, make a note to e-mail or call us. Even if the savings are a few years away.

How to Change Those Red Lights to Green

LightsEver wish you could cut your bike commute? Hey...that would be magic. But who needs magic? Veloloop, the latest in bike gadgetry, may do just that.

Invented by an avid cyclist who was sick of getting stuck in traffic, Veloloop is a metal ring that attaches to your bike and claims to turn red lights green.

Today’s roads have electronic sensor systems buried under the surface to keep cars from waiting too long at red lights. These sensors detect the presence of iron (in steel) in vehicles and maintain traffic flow by keeping cars moving. But bikes? Not so much, as they don’t contain sufficient metal.

According to an article in The Atlantic’s Citylab.com, Veloloop uses a patented circuit, detects when you reach an intersection, triggers the sensor...and, best of all, let’s you know it’s done.

Is it the answer? At press time, the cyclist/inventor was still seeking funding. But ask any frustrated cyclist whether the idea of turning red lights green is a good one; chances are the answer will be a resounding yes. It bodes well for Veloloop.

March's Smile: Laughter in the Headlines

Headlines We all know headlines can invite you into an article or put you off reading it. But double up with laughter? More often than you might think. Take these examples...Please!

"Bugs flying around with wings are flying bugs"

"Threat disrupts plans to meet about threats"

"Bridges help people cross rivers"

"Bill would make it illegal to break rules"

Then there are the "ironics," like:

"Missippi's (sic) literacy program shows improvement," and "Dam road sign keeps disappearing"

And last, but certainly not least, there's this effort: "Total lunar eclipse will be broadcast live on Northwoods Public Radio"...Huh?

4 Myths About Rental Insurance And Why They’re Wrong

When buying a home, you must buy homeowners insurance to satisfy mortgage lenders. But when you're renting, it's different. Many landlords don't require renters insurance, so many renters just go without. According to the Insurance Information Institute, "only 35% (of renters) have insurance." Why? Well, it might have something to do with these four myths:

Myth #1: "My landlord's insurance will cover damages": A landlord's insurance policy will provide coverage for any damages that occur to the building, but not to your possessions.

Myth #2: "My possessions aren't valuable": Many renters sell their possessions short. Add up what it would cost to replace everything you own. Chances are it will amount to thousands of dollars. And while your furniture may be old, you'll spend big bucks replacing it (not to mention your electronics). Renters insurance can help cover losses after a disaster.

Myth #3: "Renters insurance is too expensive": The amount of renters insurance you purchase is your call. But you'll want to purchase enough to cover all your belongings, and that can be considerably less than you might expect.

Myth #4: "I don't need liability coverage as a renter": If someone injures himself or herself in your apartment, you could be sued. Renters insurance will cover your legal expenses, as well as medical bills, in this situation.

As with homeowners insurance, not all renters insurance policies are equal. Talk to your insurance agent; he or she will explain different policies and help you select the one that's best for you.


This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale....
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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