Cities IG - 2-10-24

None

Episode Transcript

(00:00):
Next up this Saturday Morning, Knowledgeis Power, hosted by Rob Kane of
Cities Insurance Group. If you havea question for Rob and would like it
answered on an upcoming show, emailhim at r Kane at CITIESIG dot com.
And now Rob Kane, good morningand welcome to our show. This
is Rob Kane and Lindsey and KenleyWashington, so happy to be here with

(00:23):
you today. So we just hadour February meeting, which was a nice
success. Nice to be back inthe game out there at Kside, And
we typically would do this the firstWednesday of the month, you know,
assuming there's not something else going on, and it's really just educating people on
how Medicare works in general. Wetry not to talk about any individual companies

(00:47):
or that type of thing, justtry to give you a good idea on
the basics parts A, B,C and D you know, medicaures supplements,
Medicare managed drug programs, and allof the changes that are going on
this each each an individual year.So again, if you know someone that
needs to attend that type of event, please have them give us call five

(01:07):
sixty three three five nine oh eightfive four love to get them set up
on The next meeting that'll be comingup in March be March sixth at six
pm out at the k site.Happy that their flooding is over and we're
able to get back in and usethe facility. So yes, very exciting.
So again, turning sixty five meetingsare always great to attend a little

(01:32):
bit ahead before you're turning sixty fiveand need to make that decision, just
so you can get some of yourgeneral questions answered. And then lots of
times people come in and meet withRob one on one to make the selection
and get more of those specific questionsreviewed and answered. So again we're happy
to get you on the RSVP listor schedule one on one meeting with Rob
five six three three five nine eightfive four. Just go ahead and take

(01:55):
this quick break and we'll come back. I got some hom and audo stuff,
some more player things to talk about. Hi, this is Rob Kain,
and I just want to remind youit's all there in Leclair. It's
been over a decade strong for oneof television's most popular history loving partnerships.
American Pickers may be the hit showon the History Channel, but Antique Archaeology

(02:17):
holds a special place in the heartsof Leclair locals, including show host Mike
Wolfe. For him, the mostbeautiful aspects of picking are usually the least
attractive. We're talking dirty fingernails,rust covered metal, and even those tough
negotiations with strong willed owners and collectors. All these bits and pieces work together
to create this everlasting story of howclosely tied are present is to history's past.

(02:43):
That's right, it's all there inLeclair. We can't wait to see
you. When it comes to choosinga Medicare plan, Blue is affordable,
Blue is Convenient, Blue is StayingHealthy. Blue is a Medicare advantage plan
from well Marke Advantage Health Plan.Need help finding the right plan, call
Rob Kain with Cityas Insurance Group inLeclaire at five six three three five nine
zero eight five four. Rob Kineis a local authorized independent agent for well

(03:07):
Marke Advantage Health Plan. To beeligible, you must reside in the service
area of the plan. Well MarkeAdvantage Health Plan Inc. Is an independent
licensee of the Blue Cross and BlueShield Association. Hi, this is Rob
Kane and I just want to remindyou it's all there in Leclair. Let's
cruise in Leclair. Come explore themighty Mississippi River in style, comfort and

(03:27):
convenience. The Twilight, at onehundred and twenty six feet in length,
has the power and accommodations to makeyour next freshwater cruise one to remember.
From one and a half hour cruisesto a two day trip, you'll find
a package that's perfect for your nextvisit to Leclaire, Iowa. Coveted as
the most elegant riverboat to be launchedin the last one hundred years, the
Twilight was carefully designed and built byCaptain Dennis Strone to replicate the lavish steamboats

(03:52):
popular in the Victorian era. Aroundits stern and high attention to ourn a
detailing please up your classic riverboat experiencemile after glorious mile. You'll enjoy the
best of the Mississippi with all theease of modern amenities. Book your Twilight
Riverboat crews in Leclair today. Allright, welcome back. This is Rob
Kane and Lindsay and Kenlly Washington.Happy to be here with you today.

(04:15):
So yeah, like Lindsay said,you're going to touch based on some Leclair
stuff, home on auto stuff.But speaking of the like Leclair, Leclaire
Chamber. We had our annual dinnerevent the twenty seventh of January and that
was a good event. We heldit out at Steventon's and of course the
food was fabulous. It's always goodattendance. Everything went really good. We

(04:36):
weren't able to sell the donated setof braces. There is a minimum on
that, so unfortunately we didn't getthat done this year. But you know,
it's not every year that someone inthe group needs a set of braces
or themselves or their kids. Now, of course I'm focusing those of you
who have listened to the show forill know, I you know, volunteer

(04:58):
time with Mississippi Lli Sportsmen as wellas the Claire Chamber. And now that
event's coming up March second, outof the Fairgrounds, and you know,
that's always a great event. Wealways have, you know, a little
over three hundred people generally attend.We give away thirty guns, we have
live auctions, silent auction items,you know, raffles, just all kinds

(05:24):
of fun stuff going on with that. Again, if you'd like information,
I like to get a ticket form, you know, give me a call.
I'm sure we've got it posted upon the website. Or website on
Facebook, you know, keep aneye up for that Mississippi Valley sports men
not sportsmen. But yeah, otherthan that, that's a great event where

(05:45):
you know, collecting donations if youwork with a company or have something you
would like to donate. I hada goal one of my customers donated for
large eagle prints, you know,if they were framed up and everything that
she didn't want anymore. So anythinglike that is well appreciated. We do
have donation forms, you know,if you do want to make a donation,
you know, for your taxes,just like because if you're donating it

(06:08):
to goodwill or whatnot. So again, excited about that. We're Lindsay's going
to talk a little about some homeaudo stuff for you as well. But
yeah, if you want information onthat, give me called five six three
three five four. Yes. SoHome and Auto has been a wild ride

(06:30):
for the last twelve months. We'vebeen seeing drastic changes in coverages and premiums
available. So just kind of wantedto touch base and review with people.
I am busy working on requoting.I would say probably eighty percent of my
customers they typically are calling with theirrenewal increases and we are shopping around.

(06:53):
With that being said, maybe aboutfifty to fifty right now that we're able
to move them and find some savingswithout adjusting coverages. So a lot of
carriers have put in place with newbusiness higher minimum wind in hail deductible requirements.
So typically in years past, Iget issue a home with one thousand

(07:15):
dollars all perils deductible and one thousanddollars wind in hail deductible. Not all,
but most carriers are implementing a percentageand or a twenty five hundred dollars
wind hail deductible. And that's justdue to the drastic amount of claims that
we have had that are related towind and hailstorms over the last two,
three, four or five years herein the Midwest. Again, I know

(07:36):
if touch based on it for theMidwest is the highest paid insurance claims region
simply due to our drastic or greaternumber of storms, the frequency, and
how widespread they are. So whenthat windstorm comes through, it's sweeping across
all of Iowas or we're seeing lossesacross the entire state, versus typically most

(07:58):
people are gonna think that, youknow, Florida has the hig is paid
claims because those hurricanes, and yes, those individual losses may be higher,
but due to the frequency and amountof damage that we're getting here in the
Midwest, we are much higher totalpayout claims in our region. This for
this region. So with that beingsaid, we are having drastic changes in

(08:20):
premiums and coverage options availability. Soagain, take a look at your renewals.
Some companies are implementing certain changes atrenewal. You also may see so
double check your deductibles haven't changed.You also may not see any change in
your inductible, but just a hugeincrease in premium, So that may be

(08:41):
an indicator to you to look toadjusting that deductible. So again, typically
the higher the deductible, the higherthe deductible, the lower the premium.
So if you've got a huge rateincrease but you're still carrying, you know,
a thousand, a thousand deductibles,you're getting quotes. You're not finding
any sea keeping a thousand thousand deductibleto compare. Call your current carrier,

(09:05):
have them quote you with taking oneor both of those deductibles a step higher.
Typically you're gonna be able to gofrom like a thousand to fifteen hundred
and then maybe to two thousand,if not to twenty five hundred. Play
around with those and see if thecost savings is worth making that adjustment.
I've reviewed with a few different customers, you know, adjusting deductibles, and
sometimes you know you're saving a couplehundred bucks a year, sometimes you're saving

(09:28):
quite more. And if you're nottaking too big of a jump from deductible,
you know, a couple of yearsno loss, you're gonna eat up
that savings towards your deductible, soyou'll be breaking even in the long run.
So again, those are some optionsavailable on the auto. It's not
as rough currently, and we areable to find a little bit of savings

(09:48):
on auto here and there, Soagain take a look at that. If
you have not completed or participated inone and you're not able to find savings,
inquire if your current carrier has adriving program. A lot of these
driving programs may give you an initialdiscount just we're en rolling, maybe ten

(10:09):
percent, So you know, ifyou're looking at a one thousand dollars policy,
a ten percent discount is going tobe one hundred dollars off, which
is you know, a pretty goodchunk of change if you're looking at like
a six month thought of so definitelyinquire about those. Some not all programs,
but some carriers have programs that donot negatively impact you, so you

(10:31):
know, you complete it for sixtyninety days and get your results and it
will not negatively impact you. Thereare some programs that do not impact you
negatively and it's simply a participation discount. So as long as you are participating
and providing that data, you'll beable to retain that discount. Some programs
are the better you drive, thebigger the discount. So one of my

(10:54):
carriers, for instance, you participate, you get an initial five percent discount,
you complete after I believe there's asixty day program. You get your
score, and then you qualify forup to a forty percent discount. And
with this, once completing this program, that forty percent discount or whatever discount
and qualify for stays on your policyfor the life of the policy, so

(11:18):
it does not drop off. Soeveryone know you're going to continue to get
a base rating, potentially an increase, but then you're going to get that
forty or thirty five or twenty percentdiscount on top of whatever that rate increase,
so it will always retain on thepolicy, which can be very helpful,
especially when we're getting into years likethis year where it's just rough across

(11:39):
the board. So again there aresome options. Again, don't be afraid
to ask for you know, homea audo quotes together. But also and
when I'm running into quite a bitright now, i have one carrier that
is doing very well on homes inIowa particularly, and another carrier that's doing
very well on auto, and sowhat we're having or seeing a lot is

(12:01):
breaking up the home an auto toget the most saving currently because even the
bundled discount is not overall a win. So there are options. You just
have to play with numbers to readjustand reset and refigure what the best setup
is for you. Again, don'tincrease your deductible if you're not comfortable with
that amount. So don't take yourdeductible from five hundred to one thousand if

(12:26):
you're not going to be prepared tohave a thousand dollars portion of covered if
you have a loss. So definitelytake a look. If you have questions,
give us a call five six threethree five nine zero eight five four.
We're always happy to take a lookshop around see what is available or
what we can find for you.So now into some fun stuff, because
I did want to take a momentto kind of talk about what's going on

(12:50):
in the Claire. We do havea very fun weekend going on the weekend
after Valentine's Day, So it isthe Leclair Cocoa Crawl, and what you
can expect during the Month of Loveis all things chocolate. To pamper your
loved ones and yourself. Find somefree chocolate samples, purchase full sized offerings,

(13:13):
and enjoys shopping specials at participating businesses. There are quite a few shops
that are doing something so I'm goingto start reading those again. Just remember
if you must be twenty one orolder to enjoy any alcoholic beverage samples or
discounts. So Aunt Pattie's is goingto sample their new chocolate Charity Dip mix

(13:35):
and has special on chocolate items.Bella has a buy one, get one
free on their chocolate drinks, plusa buy one, get one free on
fireside cannisters. Cody Rogue Coffee isoffering Scotcherrous samples, which are one of
my favorites. The Crane and Pelicanhas had raped desserts and that offers good
from eleven am to two pm.Ember On. The Hell is giving a

(13:58):
free packet a cocoa of choice madeby Treehouse Originals with any purchase while supplies
last. Heavy Joe's Pizza and iceCream will have dollar scroups of their chocolate
ice cream, rich milk ice creamwith chocolate flakes, chocolate fudge filled cows,
and scrolls of chocolate cookie crunch.Ginn It in June, which is

(14:18):
one of the newer stores here andone of my favorites, has Molly's Cupcake
pop up with lots of chocolate optionsand grab a free chocolate candy too.
Le Claire Olive Oil Company has freesamples of some treats and their delicious olive
oils and balsamic vinegars. A MissipyCottage Antiques has free delicious chocolate chunk oatmeal

(14:39):
pecan cookies. The Nest, againone of my favorite places to get snack
items in general, has Flairerty's Chocolatepop up with free samples of Heaven and
Earth is giving away cocoa for twomixes to the first fourteen seals and is
passing out lind Truffles all weekend.Potter's House has free samples of their homemade

(15:01):
Macadamian Nut Turtles. Shameless Chocolate Halichas free samples of their homemade Macadamian Nut
Turtles and the Hot Chocolate with homemademarshmallows. You can also purchase a hot
Coco kit to be made at home. What Barbecue and Bar has samples of
Fantasy Cake Fantasies by Ashley and thoseare very very good cakes. Of had

(15:24):
those down at What Barbecue before.So again, this event is going to
be happening February seventeenth, that isone pm to three pm. Again,
the shops, mostly on the maindrig here all have something going on,
something fun, exciting if you're lookingfor something to do to get out of
the house next weekend. So again, the Claire's got lots going on.

(15:48):
If you want more information on anyof that, you can always go to
the the clear page. I alwaysjust you know, google Laclear Events.
It usually pops up pretty quickly andthen I'm able to go through selects what
fun activities I want to undertake inLeclaire for the day. Again, that
is happening next Saturday one to threepm. I'm going to take a quick

(16:10):
break, touch my breath, andwe'll come back and kind of wrap it
up. Hi, this is RobKane, and I just want to remind
you it's all there in Leclair.Bella is the best place to go when
you need that special gift. Forany occasion, your eyes will feast on
things you've never seen before as youwrestled with whether to buy your loved one
a gift or splurge on yourself foronce. Bella is located in Leclaire,

(16:32):
Iowa, right on the Mississippi.It offers exceptional views of the Mississippi River
and in good weather, offers greatseats out on their deck and tasty drinks
with a relaxing atmosphere to take itall in. They're open ten to five
every day except Sundays, where youcan browse and buy from twelve to five.
Come and taste the hot sauces createdby a veteran, with part of
the proceeds going to military and veteransaffairs. They're packaged in a hand grenade

(16:56):
and boxed a three star General box. Or pick from the many Swedish dishcloths
that make doing kitchen duties so muchbetter by not having that nasty rag or
sponge. Be it the ready atyour sink, dishcloths that don't get that
nasty smell. Who knew Bella does? That's right, it's all there in
Leclair. We can't wait to seeyou. Signing up for Medicare doesn't have

(17:18):
to be complicated. With well MarkedBlue Cross and Blue Shield, you can
get all of your health insurance needsin one place. Wellmark offers hassle free
Medicare supplement plans, option, dentalcoverage and more. Call Rob Kine with
Cities Insurance Group in Leclaire at fivesix three three, five nine zero eight
five four to choose coverage that nineand ten stay with year after year.

(17:38):
Rob Kin, your local health insuranceexpert, is available to answer all of
your questions. Call today. RobKin is a local authorized independent agent for
well Marked, Blue Cross and BlueShield of Iowa. To be eligible,
you must reside in the service areaof the plan. Well Marked Medicare Supplement
insurance plans are not affiliated with anygovernment agency. Hi, this is Rob

(18:00):
Kane, and I just want toremind you it's all there in Leclair.
You guessed it. Cody Road andthe Cody Road Historic District honors the namesake
of the iconic William Buffalo Bill Cody, an American soldier, bison hunter,
and showmen with national notoriety today.Over sixty structures create the Historic District in
Leclaire, Iowa, a nine blockstretch of US sixty seven reaching all throughout

(18:23):
our rivertown both picturesque views of themighty Mississippi River. This district contains both
residential and commercial structures filled with someof the best eateries, boutiques, gift
shops, museums, and historical sitesfound in Leclare, Iowa. On your
visit, you'll find a healthy mixof old timey appeal in the rustic downtown
buildings and modern dwellings with glass frontsand large parking lots for visitors. So

(18:48):
yes, there's a little something foreveryone. That's right. It's all there
in Leclair. We can't wait tosee you all right, Welcome back guys
again. This is Lindsay Washington here, Rob and Kenley are taking a quick
little break. We have a meetingcoming up for turning sixty five and understanding
your options, and that is atCaseide and that is going to be Wednesday,

(19:11):
March sixth at six pm. Ifyou would like to attend that meeting,
give us a call five six threethree five nine oh eight five four.
We will be happy to get youon our list to attend the event.
And again, no sales are done. We don't talk any specific companies.
We are simply going over how medicareworks when you turn sixty five.

(19:33):
It's a little bit different than whatyou're kind of used to, so it's
definitely worth attending the class usually aboutan hour give or take depending on how
many questions there are, so feelfree to come enjoy listening and hearing all
about medicare with Robitt Kaseide. That'sWednesday, March sixth at six pm.

(19:55):
Give us a call five six threethree five nine oh eight five four and
we'll be happy to get you onthe line. Also, if you're getting
those home and auto renewals and youwant to just check and see if you
can find any savings, we arehappy to give you a quote. Again,
we have ten different carriers, sowe'll run you through everybody, figure
out what the best setup is andif there's any savings without losing any coverage.

(20:15):
Five, six, three, three, five, nine and eight five
four happy to review that information withyou. Again, we are very excited
for the Mississippi Valley Sportsman event that'scoming up, and that takes place the
first Saturday of March, so Marchsecond. And if you're wanting to donate
anything, again, the Mississippi ValleySportsman is a local organization. All fund

(20:36):
stay local. They donate to greatconservation causes here in the Quad City area.
If you are wanting to attend theevent, or you're wanting to donate
an item, a basket, funds, anything like that, we are happy
to do that again. The KidsTrap Clubs are great recipients of donation,
usually annually, so we enjoy havingthe kids there. It's a great event,

(20:59):
great food, fun games, chanceto win lots of prizes. Oh
sorry, not games, raffles,tons of raffles. Chance to win lots
of good stuff. So if youwant to get a ticket form, we
can email that to you. Factsit get a copymailed out to you if
you're not already on the mailing list. Five six, three, three,
five nine, eight five four.Hope you guys have a great weekend.

(21:22):
And again, if you need anything, you know where to find us out
here in Montclair. Have a greatweekend. Thank you for listening to this
week's edition of Knowledge Is Power withyour host Rob Kine. If you have
a question for Rob and would likeit answered on an upcoming show, email
him at r Kane at citiesig dotcom. Please tune in again next Saturday morning.