Insurance Tips

With everything that has happened over the past year, one thing many of us have learned is to be prepared! You never know when a disaster, such as a fire, is going to strike and making sure your family has a plan is important. With that in mind, is your family prepared should a fire happen? While everyone should have smoke detectors and carbon monoxide detectors, not everyone actually prepares their family with a plan in the event of a fire. Let’s discuss what you should do to prepare: Create an escape plan for each room and discuss possible alternatives. Have a location outside whereRead More →

With life insurance, there are essentially two different policies which are term life and whole life. We wanted to review the two different policy options. Term Life Insurance Term Life Insurance is in essence its name, it lasts for a certain amount of time and then expires at the end of the term. Should you die before the term is up, your beneficiary would receive a death benefit. The money you pay into your term policy goes towards the death benefit. Term Life Insurance is more affordable than whole life and the premiums are generally a lower cost. Should you live past the length ofRead More →

Have you ever been on the road and saw a vintage or classic car going past you? It’s enough to make you turn your head and lose focus for a second or two. If you’re looking to purchase a classic car, you need classic car insurance. We want to run through how it’s different from average automobile coverage and what it covers. Classic car insurance was specifically created to cover the big investments owners may put into their classic vehicles. Although, classic car insurance has certain requirements that must be met to have it available at your disposal. A few of the requirements will include:Read More →

The cold, winter months can bring snow, ice, and sleet, all of which can cause havoc for drivers. It is important to be prepared and know the basics of driving in bad weather. In this month’s blog, we wanted to review some driving tips. Adjust Your Speed When the roads are slippery and slick, it’s important to keep an eye on your speeds. Adjust them accordingly and if you’re on a multiple lane highway, avoid passing other cars at accelerated speeds. If You Can, Don’t Stop This does not mean run through red lights or stop signs. But if you can avoid completely stopping andRead More →

When was the last time you reviewed your insurance coverage? If it’s been a while, now may be the time to review. Here is why… Lower Rate It is always encouraged to review your insurance and price shop to find out if there may be a better price out there. With insurance, most times, every year it will go up in price. Because of this, coming in as a new customer with a different insurance company could help reduce your rate. Coverage Isn’t Enough Have you done remodeling or additions to your home? If so, you need to review your insurance. Renovations can increase theRead More →

Due to COVID-19, many more individuals will be doing their holiday shopping online. Chances are, many more scammers or identity theft issues may happen. Now more than ever, being aware of the sites you are shopping on is important. Let’s review a few things to be aware of with online shopping. Is the site secure? The first thing you want to check when coming onto a site is that it is secure. You can determine that by checking if the padlock is closed at the front of the URL and it says HTTPS, not just HTTP. If the padlock is not closed and there isRead More →

While Halloween may seem different this year, you can still help your children have fun. Here are a few ideas for those who want to take their children trick-or-treating and those who want to brighten kids’ days by still having trick-or-treaters. Trick-Or-Treating If you wish to keep things safe, stick to only going to houses of individuals you know. Before you head out, check with those individuals to make sure they are home. If you’re out trick-or-treating in town, keep a safe distance from other trick-or-treaters and wait for any group ahead of you to leave a house before you approach. Keep sanitizer on handRead More →

Fall is here and with that comes the perfect time to complete some home improvement tasks. Here are a few you may want to complete, if you haven’t already. Windows Inspect the weather stripping and caulk around your windows, if you find that it needs some attention, be sure to take care of it. Also, be sure to give your windows a good washing. If you need new windows, make sure to get them replaced before it gets too cold as you don’t want your heating bill to go up from old, inefficient windows. Heating System & Chimneys If you have a chimney, be sureRead More →

Did you know that homeowner’s insurance does not cover damage from flooding? It’s almost crazy to hear, knowing how common flooding can be. Fortunately, there is the option of flood insurance. Unfortunately, to insurance companies flooding is a gradual event, which won’t happen in a matter of a few seconds. Although you may wake up to your basement flooded, it takes a period of time for this to occur, which is why insurance companies won’t view it the same as a fallen tree or break-in. If you want to try to prevent floods from becoming a bigger problem, there are minimal solutions such as floodRead More →

While this summer hasn’t been as wet as last summer, you still need to watch out for those summer storms. Driving in bad weather can be nerve-racking and can end up causing an accident if you aren’t careful and aware of your surroundings. Here are a few tips on how to drive safely in wet conditions. Make Sure You Have Good Tires Driving in wet weather conditions with bad tires can only make the possibilities of you getting into a car accident worse. Doing regular check-ups of your tires as well as maintaining them with regular rotations will help extend the life of the tiresRead More →