Information and general advice for individuals.

Spring Cleaning and Home Safety

As the weather warms up, we are in the middle of spring. Spring can be a great season full of baseball games, rain showers, and fresh flowers. However, spring also brings with it the damage that winter left behind. Snow and ice can damage your property and it is important to do some cleanup and get ready for the warmer weather. As you spring clean your home, keep the following tips in mind. Clean up Your Yard Yard maintenance can make a large difference in the safety of your property. You should trim [...]

2019-05-01T16:12:28+00:00May 11th, 2019|

Long Term Care Insurance, Do You Need It?

Have you ever thought about what will happen in the future? Often times, as people get older, they can require a little bit of help with everyday tasks. Have you ever thought about who will assist you with these tasks? Who will help to take care of you if you need assistance? How will you pay for these services and this assistance? Long term care insurance can be used to cover a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing, or [...]

2019-05-01T15:33:30+00:00May 4th, 2019|

Cyber Insurance and Everyday People

We live in a technology world. Most people rely on technology to live their everyday life.  Whether it is getting news on our computer, purchasing items online, or using social media sites on our Smart Phone; the average American spends at least 8 hours a week of screen time online.  It is an exciting time to be alive; however, it also a scary time. With increasing technology use comes increasing threats. The technology we all rely on every day gives us a window to the outside world, but it also gives the outside [...]

2019-04-18T14:18:31+00:00April 20th, 2019|

What To Look For In An Insurance Provider

Whether it is your first-time purchasing insurance or you are looking for a new agent, choosing your insurance agent can be difficult. You probably have a list of priorities when it comes to your insurance coverage, you want to find someone who will work with you and explain all your coverage options. You also want to find someone who can offer you the right products and services to meet your needs. With so many options out there how do you pick one and be confident with your choice? Following is a list [...]

2019-02-15T10:04:42+00:00February 15th, 2019|

My Term Life Insurance Policy is About to Expire… Now What?

If you are like most people who purchase life insurance, you likely chose to purchase term life insurance over a permanent policy such as a whole life policy or universal life policy. There are distinct differences between term life insurance and permanent life insurance and reasons to purchase each. If you have a term policy, there will come a time that it will “expire” and decisions must be made. Does a Term Policy Ever Expire? Technically… yes. But it probably doesn’t expire (meaning that you have no option to remain covered) until [...]

2019-02-15T09:52:44+00:00February 15th, 2019|

10 Quick Tips for Car Care for Cold Winter Weather

With this incoming cold weather, one of our staff members, Amanda Alexander, who worked in the car industry for 15 years, shares her top 10 advice tips that vehicle service advisors give to their customers: Get your battery checked. The number one symptom we see with cold weather is vehicles not starting in the morning. Car manufacturers recommend changing a car battery every 3 years, so if your battery is older than that, make a quick trip to a local auto parts store or your garage to have your battery checked. When [...]

2019-01-30T16:20:54+00:00January 30th, 2019|

Car Accident! Now what?

Imagine this. You are driving down a country road on a warm summer night. It is dark out and you are on your way home from a great night of hanging out with your friends. You are about to take a turn when SMACK you are hit by an oncoming car. You and the other party both come to a stop and thankfully you are both okay minus a few scratches, bumps, and bruises. However, the cars do not look good. You have officially been in a car accident. What now? Check [...]

2019-01-22T08:54:40+00:00January 12th, 2019|

Frozen Pipes and How To Protect Yourself

Colder temperatures can freeze pipes, creating disastrous property losses and wreaking havoc on your life. Frozen pipes can lead to expensive damages and depending on the extent of the damage it could force you to temporarily close your business resulting in loss of income. Systems that are at risk of freezing in colder weather include fire protection equipment and piping, heating, ventilation, and air conditioning equipment, compressors and piping, water and sprinkler mains, valves, and sanitary systems. It is not just the colder states that are affected, moderate climate states can be [...]

2019-01-22T08:55:28+00:00January 5th, 2019|

The Ultimate Cheat Sheet on Winter Home Safety

Winter is upon us once again and that means holiday time with our family, hot cocoa and a warm cozy fire, and playing in the snow. While all of that may seem great, it is important to remember that winter also brings with it many hazards around your home. Whether it is a frozen water pipe bursting and flooding your home or basement or an ice dam in your gutter causing water damage to your walls, it is important to know how to protect your home against winter’s dangers. Outside Clean out [...]

2019-01-22T08:55:56+00:00December 22nd, 2018|

Why You Should Spend More Time Thinking About P&C Insurance

With the year winding down and everyone thinking about what the new year will bring, what a better time to reconsider your insurance coverages. It’s a great time to make sure that you and your assets are covered in the event that the unexpected happens. One type of insurance that often gets overlooked is Property and Casualty Insurance. Property and casualty insurance in its simplest form is designed to protect you and the stuff you own. Property insurance is straightforward, in the event of an unexpected loss it provides coverage for things [...]

2019-01-22T08:57:06+00:00December 15th, 2018|