Preventing Ice Dams on Homes UNDERSTANDING HOW ICE DAMS FORM When heat from the interior of a house with a sloped roof escapes into the attic space, it warms the underside of the roof. Meanwhile, the roof eave outside the heated space remains a colder temperature. As snow accumulates on the rooftop, it melts over […]
Not only is distracted driving dangerous for individuals, but there is a growing concern among business owners and managers that they may be held liable for accidents caused by their employees while driving and conducting work-related conversations on cellphones. Under the doctrine of “vicarious responsibility,” employers may be held legally accountable for the negligent acts […]
We are frequently asked what consumers can do to lower their homeowners insurance premiums. The following tips will hopefully help provide some guidance on saving money without sacrificing coverage: 1. Raise Your DeductibleDeductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according […]
As we’re now in the middle of winter, we know that a variety of problems can arise during these months due to the weather. The importance of maintaining your home during these months can protect you from potentially large insurance claims. For example, did you roof damage accounts for almost 50% of all homeowners […]
With winter quickly approaching it won’t be too long before the freezing weather and snow are here. As the primary months when consumers crank up their furnaces and portable heaters, November, December, and January account for nearly two-thirds of all non-fire carbon monoxide (CO) related deaths. In fact, according to the Center for Disease Control, […]
Did you know that over $2 billion will be spent on Halloween candy this year? Or how about $330 million on just pet costumes? We know that Halloween is one of children’s favorite holidays. The chance to dress up in a costume and fill bags with candy is a sure way to excite any youngster. […]
Did you know almost 60% Americans don’t own any type of life insurance policy? This is according to the latest study done by the Life and Health Insurance Foundation for Education (www.lifehappens.org). Life insurance allows your spouse and/or family to receive money to help offset funeral expenses, lost income, and future financial needs. Purchasing the […]
One of the biggest concerns we have as insurance agents is ensuring your home has the right type of coverage and limits to ensure you are properly protected. Being properly insured and knowing the value of the home and possessions can provide some peace of mind during what could be an extremely stressful period. We […]
Insuring Jewelry Knowing how much personal property coverage you have on your homeowners or renters policy is a good place to start with insuring jewelry. Most of the time, you’ll be covered up to a certain limit if it is stolen ($2,500 total). But with the average value of an engagement ring in the US […]