Protect Your Assets with Umbrella Insurance

teenage party photo
Imagine you’re out of town and your teenage children host a party where drinking is involved. Some kids drink too much, trip, and seriously injure themselves. Their parents sue you. A house party could end in a costly lawsuit. That’s where umbrella insurance comes in. Umbrella insurance provides coverage for liabilities that exceed the normal policy limits of your car, homeowner’s, or watercraft insurance. It covers the injuries and damage to other people and their property—and not just w...
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Floods Require Protection Beyond Homeowner’s Insurance

flooded kitchen photo
There’s a lot that your typical homeowner’s insurance policy will cover—fires, hurricanes, lightning strikes, and other disasters. But floods aren’t one of them. Just 1 in. of water in your home could cost you $25,000. The problem is floods are the “most common and costly natural disaster,” according to the Insurance Information Institute, which says that 90 percent of all natural disasters involve some kind of flooding. Over the last four decades, flood-related damage has caused over $26...
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Here’s Why Everyone Needs Life Insurance

Who needs life insurance?  Answer: Just about everyone.  If you’re just married and have kids, life insurance will ensure your spouse and children are provided for. If you and your spouse just bought a house, life insurance means that the mortgage payments will continue and your spouse won’t lose your house. If you are a small business owner, life insurance extends similar protections over your partners and employees.  If you’re concerned about leaving your debt to a...
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Ice Dams Can Be Disastrous, But You Can Prevent Them

When it comes to winter weather, the only thing worse than the snow and the cold is ice. We tend to worry most about ice when it comes to road conditions and walking out to our cars, but ice can also do serious damage to our homes in the form of ice dams.  And yes, they are as bad as they sound.  Ice dams form when heat evaporating from your roof melts the snow on top of it. When the snow refreezes, it becomes an ice dam, usually forming at the edge of your roof. Ice dams ca...
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Winter Weather Can Damage Your House. Here’s How to Stop It

house gutter ice dam
Winter weather can do a number on your house. From flooding due to ice dams, to roof damage from snow and ice, there’s a lot that can go wrong during the winter. Fortunately, there are some simple low-cost things you can do to protect your home from Mother Nature’s fury. 1. Outside faucets. Drain outside faucets and then turn them off from the inside. Also, make sure your hoses are drained and disconnected. And, if you have a sprinkler system, blow compressed air through it to void any ...
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Winter Driving Putting You Edge? Here Are Some Safety Tips

driving in the snow
Being on the road when there’s ice or snow can rattle the best of us. In the moment, it can be hard to know what to do if you start to skid or feel like you are losing control. That’s why it’s best to be informed and prepared beforehand. We hope these tips make this winter a little safer for you. One easy way to remember how to stay safe is the acronym ADC: Stay ALERT. Slow DOWN.Stay in CONTROL.  Staying alert Be mindful of road conditions. Remember, it takes ...
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How to Prevent Cooking Fires on Thanksgiving

Cooking for Thanksgiving can be an exhausting and daunting task. It can also be hazardous.  Thanksgiving is the top day of the year for cooking-related fires, according to the National Fire Protection Association. In 2018, there were 1,630 fires caused by home cooking on Thanksgiving.  Here are some tips to keep in mind to make sure that your Thanksgiving is safe:  1. Closely monitor your food. Don’t leave the kitchen when you have something on the stove—or have some...
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Tips for Fall Home Improvements

Fall is one of the best times to make home improvements. The weather has cooled but it isn’t cold yet. There is still some light in the evenings. And, perhaps most importantly, winter weather is on its way. Taking care of the small things now can prevent big problems in the future.  The gutters. This is one of the most important things you can do. Clogged gutters are much more than just an annoyance. According to House Beautiful, thousands of gallons of water from your roof drain th...
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Ways to Save on Homeowners Insurance

We all know how expensive homeowners insurance can get. According to Policygenius, the average premium runs at about $1,200 a month, although that varies by state and home.  Fortunately, there are things you can do—beyond just being a good shopper—that will help you save money on homeowners insurance. Here are a few places to start.  1. Don’t count the land. If a fire or tornado levels your house, you’ll have to rebuild everything. One thing that you’ll still have, however, ...
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How to Hurricane Proof Your Home

Sometimes, it feels like we are powerless against the full fury of Mother Nature. When a severe storm is barreling up the coast, with hurricane force winds, heavy rains, or deep snowfall, there is only so much we can do. But, that doesn’t mean we can’t do anything. In fact, there are a number of home improvements and maintenance you can do to mitigate damage during a hurricane or severe storm.  Cover gaps in your roof. The typical roof has gaps under the shingles which can leave you...
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