Atlantic Insurance Group Agency Inc

5 Ways to Cool Your Home This Summer

Sun, 20 Jul 2025 19:27:09 GMT

Summer can be a challenging time to keep your home comfortable, especially if you don’t have central air or ceiling fans in each room. But even if you do have those amenities, you probably still want to keep your utility bills as low as possible.

And, since people had to grapple with this problem long before air conditioning was invented, let’s take a look at five tried-and-true tips for keeping the heat out during the warmest months of the year.

Limit your use of appliances.
There’s a reason soups and casseroles are cold-weather foods and pasta salad is for summer: No one wants to use the oven when it’s already hot outside. Instead, cook with a grill or air fryer, or eat foods like sandwiches and salads, which don’t need heating.

Try to limit your use of other appliances, too, such as the dryer or dishwasher. Run them at night or early in the morning, when temperatures are a bit lower.
Cover windows during the day.
While it’s nice to have sunlight coming through your windows, it can also increase the room’s temperature. Use curtains or blinds to keep heat out during the day, then you can open windows at night for airflow.
Check your insulation.
Insulating doors and windows isn’t just for the cold. In summer, it can keep hot air from leaking in through the cracks. If you do have air conditioning, insulation will help you cool your home more efficiently.
Add shade to your yard.
Adding shade to your yard in the area around your home will help reduce direct sunlight and the heat coming in from outside. You could add an awning or plant trees. Plus, having more shade can help you enjoy your outdoor space.
Leverage portable fans.
Sometimes a simple technology can be surprisingly effective. Use a box fan in the window to draw cooler air in at night or blow hot air out during the day. A portable fan can also help keep the air moving and cool off any room.

Any significant changes you make to your house could affect your insurance coverage. Reach out if you have questions about your homeowners insurance.

Your Guide to Safe Grilling Practices

Sun, 06 Jul 2025 19:22:48 GMT

From weekend barbecues to simple dinners during the week, grilling is a beloved summer staple for many.

However, firing up your grill — whether it’s gas or charcoal — can also bring the risk of injury and other hazards. Protect yourself, pets, children and anyone else around by brushing up on safe grilling practices.

Whether you’re a seasoned griller or new to the practice, keep reading for some of the best tips on food safety, fire prevention, grill maintenance and more.

Practice good food safety habits.
Grilling outside during the hottest months of the year can put your food at risk of unsafe temperatures. Separate raw meat from cooked meat and other food at all times with different plates and utensils. Make sure food doesn’t sit out for more than one to two hours, depending on the temperature. You can always store perishable items in a cooler to keep food fresh until it’s time to eat.

Prevent fires and injury.
Only grill outdoors, away from building structures and tree branches. Avoid covered porches and balconies, as well as fire escapes. Keep young kids and pets away from the grill when it’s in use, and never leave a hot grill unattended. You should also avoid getting too close to open flames or hot surfaces.

Maintain your grill and be careful with fuel.
Check your propane tank for leaks before each use. A simple way to do this is by applying a soapy water solution to the hose and watching for bubbles. If you have a charcoal grill, be careful with lighter fluid — only use the kind approved for grilling and never use it on hot coals.

After grilling, make sure the gas is turned off and there are no lit coals, depending on your grill type. Clean your grill and surrounding surfaces after each use to avoid contamination and grease buildup.

Do you have questions about your homeowners insurance? Get in touch for assistance.

How to Lower Expenses as a Homeowner

Sun, 15 Jun 2025 19:18:39 GMT

Owning a home can be costly, but that doesn’t mean that every expense is completely out of your control.

Regardless of where you live or the type of house you have, there are small changes any homeowner can make to reduce costs. Over time, these little differences can make a big impact.

From interior improvements to homeowners insurance updates, here are some tips for cutting expenses around your house.

Reducing Costs Across Your Home

These whole-home changes can help you reduce your utility bills and other expenses.

Replace incandescent light bulbs with LEDs, which use about 75% less energy and can last up to 25 times longer. You’ll save on electricity, and you won’t need to buy new light bulbs as often.
Seal doors and windows to improve energy efficiency and increase comfort. If you can see light beneath your door, that means air is going in and out as well.
Adjust your water heater temperature to 120 degrees, as opposed to the 140-degree default. This will impact your utility bill every time you shower, run the dishwasher or do a load of laundry with warm water.

Lowering Expenses Room by Room
In addition to across-the-board changes, you can make small changes in specific rooms.

Kitchen: Wait to run your dishwasher until it’s full, and skip the heated drying cycle. Use dish towels, cloth napkins and microfiber cloths instead of paper towels and napkins. A reusable mop will also save you money on buying disposable mop pads.
Laundry Room: Wash clothes and linens in cold water unless something needs to be disinfected. Consider air drying your laundry instead of running the dryer for each load.
Backyard: Native plants and perennials can make for attractive landscaping without the annual cost of buying new plants or using a lot of water. Also consider using solar-powered lights in your garden instead of electric ones.

Saving on Home Insurance
You may also be able to save on your homeowners insurance by bundling it with auto coverage or taking steps like installing a security system.

If you have questions about your insurance policies, reach out so we can review your coverage and see if it needs any updates.

Ready to break your bad driving habits?

Fri, 06 Jun 2025 19:11:39 GMT

The longer you’ve been driving, the more automatic it feels due to muscle memory. Whatever your good or bad driving habits, you probably don’t even notice them.

That means that almost all drivers can benefit from a refresh every so often. Whether it’s letting distractions steal your attention or leaning too much on safety features, bad driving habits put you and others at risk.

Use this guide to develop better habits and reduce the likelihood of tickets and collisions.

Mistake #1: Relying Too Heavily on Technology
Technology can be great, but it’s risky to rely solely on blind-spot monitoring, lane departure warnings and backup cameras. Use your senses to drive safely, and let technology be a backup.

Mistake #2: Assuming Other Drivers Are Paying Attention
Be alert to the signs of impaired or distracted drivers: wandering out of their lane, braking erratically, driving too slowly and other reckless behaviors that stem from inattentiveness.

Mistake #3: Driving While Tired, Upset or Distracted
Driving while tired can be just as dangerous as driving while intoxicated, in terms of the effect on your judgment and reaction time. That goes for driving when you’re very upset, too.

External distractions, like texting, should also be avoided. Even fiddling with the radio or using GPS can take your eyes off the road at a crucial moment, so try to only make adjustments when the vehicle is stopped.

Mistake #4: Reckless Driving
When you’re running late or feeling stressed, it’s tempting to engage in reckless driving behaviors such as running traffic lights or stop signs, speeding, weaving in and out of lanes and more. Take a deep breath and remind yourself it’s not worth it.

Mistake #5: Ignoring Warning Lights
While this isn’t directly about driving, it is something drivers should remember. Warning lights exist for a reason. If you see the tire pressure light, check engine symbol, low fuel warning or any other alerts, don’t ignore them. You may save money if you address the issue right away.

Reach out if you have questions about your auto insurance or need to make changes to your coverage.

Bicycle Safety: 5 Tips You Should Know

Fri, 23 May 2025 18:58:49 GMT

Whether you’re doing it for fun or transportation, there are many benefits to riding a bike. It’s good for the environment and adds physical activity to your day.

Now that the weather is warmer, bike rides may become more popular for all ages. However, there are also hazards to look out for depending on where you ride your bike. Even with dedicated bike lanes, there are other cyclists to share the road with, as well as pedestrians and cars.

To keep yourself and others safe, brush up on your bicycle safety knowledge — and the insurance coverage available to you.

Bicycle Safety Tips

Always wear a helmet. Make sure it fits snugly, and choose the appropriate type (recreational, road or mountain bike) to match the type of cycling you enjoy.
Follow the rules. When riding in traffic, you should follow the same rules as cars: Obey stop signs, traffic signals and lane markings. Ride in the same direction as traffic instead of against it.
Signal your turns. Use hand signals to let fellow road users know when (and where) you’re turning.
Make yourself visible. Bright clothing, safety vests and front and rear bike lights will help others see you, especially at night or in low-light conditions.
Be aware of your surroundings. Just as you would when driving, avoid distractions when riding your bike. Keep your eyes and ears open for other cyclists, cars and pedestrians.

Insurance Coverage for Cyclists

Check your homeowners or renters insurance policy to see if it offers protection. If your bike gets stolen from your home, it may be covered under personal property loss, and you may also have liability coverage for causing injury or property damage while riding.

If you ride your bicycle a lot or have a high-end model, you may want to consider stand-alone bicycle insurance. These policies offer coverage for theft, accidental damage, medical bills and more.

Finally, when riding rented bikes, ask the rental company if they provide insurance (and check your own insurance policy).

Do you have questions about bicycle or other types of insurance? Get in touch for help.

What to Know About Buying a Car in 2025

Fri, 09 May 2025 02:34:10 GMT

Is your current vehicle nearing the end of its lifespan?

Today’s cars tend to stay on the road longer, but no vehicle lasts forever. If you’re planning to buy a new or pre-owned car this year, this guide will help you know what to expect.

From current market conditions to trends in pricing, features and more, here are the top car-buying trends for 2025.

Market conditions offer reasons for optimism.
Market conditions in the auto industry can fluctuate depending on factors such as supply chains, interest rates, and more.

In 2025, buyers can feel cautiously optimistic about the vehicle market. Supply chain issues have been easing, and trade-in values remain strong. After recent Federal Reserve rate cuts, buyers may be able to obtain better interest rates on auto loans, reducing the cost of buying. Tariffs could complicate the supply chain yet again, but those ripple effects may take a while to see.

Prices have been falling.
The average cost of a new car was $48,641 as of January 2025 , down 2.2% from December 2024. Supply has been growing for the past few years and overstocked dealerships are offering more incentives. If you have a specific make and model in mind, it can pay to shop around for the best deal.

Prices for used cars were also down as of January, with an average cost of $25,128, about 2% lower than last year. However, supply remains an issue in the used-car market due to production drops during the height of the pandemic.

Safety is top of mind.
Most new cars come with plenty of safety features, including advanced driver assistance systems (ADAS) that use safety technologies such as automatic emergency braking, blind-spot monitoring, lane-keeping systems and adaptive cruise control.

Buyers still love SUVs and EVs.
The most popular types of vehicles this year are SUVs and electric vehicles. Average EV prices are down slightly, though they remain higher than standard vehicles. Buyers seeking more bang for their buck are driving demand for compact vehicles, including compact and subcompact SUVs.

Do you have questions about how buying a new car may affect your insurance? Reach out for help.

6 Tips for Pest Control and Prevention

Fri, 25 Apr 2025 02:30:12 GMT

Flooring can make or break an entire room. For example, older carpeting can make a living room look smaller or less inviting, while newer hardwood flooring can open up the same living room and make it feel welcoming.

Whether you’re making major renovations to your home or just want to change up the floors in one or two rooms, this guide can help you choose the right flooring materials for your needs, budget, and stylistic preferences.

Tile
Ceramic or porcelain tile is a classic floor choice for kitchens, bathrooms, and entryways because it’s waterproof, durable, and easy to clean. There are also a variety of colors and styles to choose from. However, tile can feel cold, and it’s prone to cracks or chips from dropped objects. Generally, ceramic is more affordable than porcelain.

Carpet
Carpeting can be a comfortable flooring choice for bedrooms and living areas. It’s relatively inexpensive, and there is a range of colors and materials to choose from. However, the carpet also shows wear and tear, including hard-to-remove stains.

Hardwood
This is a timeless choice for living rooms, dining rooms, and hallways. Many older houses come with hardwood flooring, which can be refinished to look like new. Installing new hardwood floors can be expensive, but there are budget-friendly manufactured options. These floors do require regular cleaning and protection, as they can be easily scratched and scuffed from furniture, children, and pets.

Vinyl
Vinyl is a popular flooring option for kitchens, bathrooms, and other high-traffic zones. With many styles to choose from, vinyl can mimic the look of wood or stone, plus it’s waterproof, long-lasting and inexpensive compared to other flooring options. Vinyl floors are easy to install, but they may not add much value to your home.

Laminate
Like vinyl, laminate flooring is affordable and made to resemble more expensive flooring options. However, it isn’t as durable, particularly in moisture-prone rooms like bathrooms or kitchens.

If you’re curious about how renovations could impact your insurance coverage, reach out so we can discuss your situation.

How to Renew Your Garden This Spring

Fri, 11 Apr 2025 02:25:06 GMT

If you’re curious about how renovations could impact your insurance coverage, reach out so we can discuss your situation.

Keep Your Essential Documents Secure

Fri, 21 Mar 2025 02:17:50 GMT

In the past few years, credit card balances have trended upward nationally.

While debt may be an unfortunate fact of life, there are steps you can take to improve your finances. Paying down debt takes time, but you’ll feel less stressed if you can maintain control over your budget and build your savings instead of making debt payments.

Whether you’re struggling with credit card balances, medical debt or loans, these tips could help you create a solid foundation for your financial life and find an approach to managing debt that works for you.

1. Start budgeting.
Making a budget is the first step towards getting — and staying — out of debt. Sticking to a budget will help you track the money coming in and going out of your accounts so you can avoid overspending. You can categorize your expenses and identify what to cut back on. You can also use your budget to determine how much debt you can pay off each month.

2. Choose a debt payoff method.
It’s natural to feel overwhelmed by debt. If you don’t know where to start, consider using one of these two popular payment approaches:

The Snowball Method : Start with your lowest balance and throw everything you can at it while making the minimum payment on everything else. This approach helps you reach your first “win” faster, which can motivate you to keep going.

The Avalanche Method : Start with the loan or credit card that has the highest interest rate. This method may take longer to clinch your first victory, but it will help you save on interest in the long run.

3. Get help from a professional.

If you can’t or don’t want to do it alone, consult a professional for help.

Credit Counseling : You may find this through a nonprofit organization with certified counselors. You can discuss your finances, then they can help you make a plan for paying off debt and gaining control of your money.

Debt Consolidation Services : Also known as debt relief, these companies could help you consolidate multiple balances into a single payment. They may also negotiate with your creditors to pay off your debt for less than you owe, but be sure to use a reputable company.

Financial Planners : If you’re looking for a long-term guide, financial planners can help you manage your budget, savings and debt to support your goals.

Managing debt takes time, but it’s worth it.

If you have questions about your homeowners, renters or auto insurance (financial or otherwise), reach out today.

What should you do after a car accident?

Fri, 07 Mar 2025 20:52:33 GMT

Getting into a collision can be shocking and scary — and, unfortunately, most people will experience at least one in their lifetime.

While you can hope for the best, it’s also helpful to prepare for the worst-case scenario. Familiarize yourself with what to do following an accident so you can try to stay calm and collect the information you need if it happens.

From checking on yourself and your passengers to filing a claim, here’s what you need to know about dealing with an accident.

Make sure everyone’s okay. Examine yourself and any passengers for cuts, bruises, and other injuries. Take a moment to check for pain in your neck, shoulders, and other parts of your body.
Move your vehicle. If you’re able, pull onto the shoulder to be safer and avoid blocking traffic.
Call emergency responders. Dial 911 to report the accident and any injuries. The operator will dispatch emergency services as needed. It’s important to get a police report for your claim to provide evidence.
Exchange information with the other driver. Regardless of how the accident happened, it’s good practice to exchange information with the other driver. Take pictures of their driver's license, insurance card, and license plates to help support your claim.
Don’t assume fault. When talking to the police, the other driver, and witnesses, watch your words. You can answer the officer’s questions about what happened, but you don’t want to say you were at fault. The insurance investigation will make that determination.
Take photos of the scene. This is another crucial step for your claim. Take pictures of your vehicle and the other car(s), as well as any visible injuries you and your passengers sustained.
File an insurance claim. Finally, get in touch to start the claim process. If you need to seek medical treatment after the accident, keep a record of that. If your vehicle wasn’t towed from the scene, you can decide whether to take it to a body shop of your choice or an insurer-recommended one.

Reach out if you need to file a claim, update your coverage, or have questions about your policy.

Let's Compare 5 Home Flooring Options

Fri, 21 Feb 2025 20:44:50 GMT

If you’re curious about how renovations could impact your insurance coverage, reach out so we can discuss your situation.

Your Guide to Renters Insurance Basics

Fri, 07 Feb 2025 20:26:28 GMT

Renters may be required to get a renters insurance policy. And even if it isn't, it’s a good idea to have renter's insurance to protect yourself against financial losses from property damage.

Your landlord’s insurance covers the building and grounds, but it won’t help with your possessions. Is renters insurance new to you? Let’s break down the basics and answer some questions you may have.

What does renters insurance cover?
There are three categories of renters insurance coverage:

Personal Property: Thi s includes furniture, electronics, clothes, and other possessions that are stolen or damaged by fire and other covered disasters.
Liability Protection: If a guest in your rental home gets injured or suffers property damage, liability protection can help pay for medical bills, lost property, and legal fees.
Additional Living Expenses: If you can’t stay in your rental home because of a covered disaster, this may help cover temporary costs of living such as a hotel room, meals, and other expenses.

What doesn’t renters insurance cover?
While renters insurance is fairly comprehensive, there are limits. Your coverage typically won’t include:

Property damage or loss from floods, earthquakes, and other disasters not listed in your policy.
Higher-value possessions such as jewelry, antiques, and artwork.
Damage to the building or its systems, such as a sewer backup into your home. This is the landlord’s responsibility and should be covered by their policy.
Damage or loss from your own deliberate acts or negligence.
Pest infestations, such as mice or bedbugs.

Of course, it’s always best to review your renter's insurance policy to confirm what is and isn’t covered. You may be able to get additional coverage or a separate policy.

How much does renters insurance cost?
It usually costs about $15 to $30 a month for the peace of mind renters insurance brings. Reach out to get a quote based on your location, the number of belongings you need covered, and your deductible.

How much coverage do you typically need?
To calculate your coverage needs, estimate the total replacement cost of all your belongings. This will tell you how much property coverage you need. We can work together to determine your liability and living expenses coverage, too.

Do you have questions about your insurance coverage? Get in touch today for help.

Is it time for an insurance check-in?

Fri, 31 Jan 2025 00:02:40 GMT

When was the last time you reviewed your homeowners and auto insurance policies?

If it’s been more than a year, it may be time to check-in. Both large and small life changes can affect your coverage needs, but it’s easy to forget in the bustle of everyday life.

January is a perfect time to sit down with your policy documents or reach out so we can discuss the state of your coverage. Not sure if a check-in would benefit you?

Benefits of Reviewing Your Policies

Savings: Checking in can make you aware of certain discounts you may qualify for. Maybe you’ve maintained a record of safe driving or installed a home security system, which could both lower your premiums in some cases.
Information Gathering: Do you have an up-and-coming teen driver or a large home renovation in the works? Let’s talk about these life changes before they happen, and look at how they may impact your coverage and premiums.
New Asset Protection: Purchasing a new car or other large asset, such as luxury jewelry, artwork or antiques, may require updates to your insurance policy.

When to Update Your Coverage

Home Renovations: Finishing your basement, building an addition to your house or adding outdoor structures will likely require changes to your coverage. It’s important to have enough coverage for the updated replacement cost of your home.
Life Changes: Getting married or divorced, having a baby, moving or having a child reach driving age are all life events that should prompt a discussion about your coverage needs.
Car Finances: Buying a new car, getting a new auto loan or paying off your current loan can have implications for your car insurance. Reach out to make sure you have the right policies.
Homebuying: A home purchase usually requires a new or updated homeowners insurance policy. You may be able to bundle your home and auto coverage for potential savings.

A new year can be a great time to check in about your insurance coverage. Get in touch to review your current policies and discuss whether changes are needed.

How to Practice Home Office Safety

Fri, 24 Jan 2025 23:56:09 GMT

Working remotely can offer many benefits, but have you thought about the safety of your home office?

Whether you work from home every day or on a hybrid schedule, it’s important to make sure your workspace is safe and secure.

From pets and children who may wander into your home office to cybersecurity threats, take these five steps to protect yourself, your equipment and your household.

Be careful about cord-related hazards. Cords can create a tripping hazard, and the more you have, the more dangerous it may be. You can purchase cord organizers to keep them organized and out of sight. To prevent electrical hazards, check for and replace frayed wires, and unplug equipment when it’s not in use.
Practice fire safety. Make sure your home office is equipped with a smoke detector and fire extinguisher. Always blow out candles and turn off space heaters and other electronics before you leave the room.
Childproof your workspace. Remember that viral clip of “BBC Dad” getting interrupted in his home office? Kids love to explore, so consider keeping your home office locked or childproofing it by securing tall shelves to the wall and keeping sharp objects and cleaning supplies out of reach.
Take care of your physical health. Sitting at a desk all day isn’t the best for your body. Keep a water bottle on your desk to stay hydrated, and take breaks to stretch several times a day. You may also want to get a standing or treadmill desk.
Follow cybersecurity tips. I t’s important to protect yourself and your company from phishing scams and malware. Do so by using strong, unique passwords for every account, opting for multifactor authentication where possible, installing a firewall and keeping your antivirus software updated. Be careful with email: Don’t open attachments or click on links in emails you weren’t expecting.

These tips can keep your home office safe, secure, and comfortable. Do you have questions about your homeowner's insurance? Reach out for help.

5 Steps to Take for a Clean Car Interior

Fri, 06 Dec 2024 19:19:46 GMT

Keeping your car neat and tidy can be hard, especially if you have kids or pets. If you’re not careful about eating and drinking in the car, spills and crumbs can leave a permanent stain.

And this time of year can present even more challenges to a clean vehicle. Winter weather like snow, ice and freezing rain can leave the floor (and seats) of your car wet and grimy.

Follow these five tips to keep the inside of your car clean, even when the weather is working against you.

Declutter the interior and trunk. Cars tend to be a catchall for your belongings. Follow the rule of carrying out what you brought into your vehicle as often as possible. Once a month or so, take time to declutter everything, including the trunk.
Protect the floors. Keep carpet and floor mats from being damaged by wiping up mud, slush and road salt after using your vehicle. Consider buying all-weather mats, which offer more protection and are easier to clean.
Dust surfaces. Keep wipes or microfiber cloths in your car so you can easily clean dust and grime from the dashboard, steering wheel and surfaces.
Clean and vacuum seats. Whether fabric or leather, regular use can cause wear and tear to seats. Protect them with conditioners and vacuum them regularly to keep dirt from building up.
Prevent food and drink spills. As the saying goes, an ounce of prevention is worth a pound of cure. Try to avoid eating and drinking in the car. If you have to do it, try to use spill-proof containers and steer clear of messy foods.

Following these tips can help you keep your car clean this winter and all year.

If you have any questions about protecting your car with insurance, reach ou t for help.

Tips for Paying Off and Managing Debt

Fri, 22 Nov 2024 19:11:54 GMT

In the past few years, credit card balances have trended upward nationally.

2. Choose a debt payoff method.
It’s natural to feel overwhelmed by debt. If you don’t know where to start, consider using one of these two popular payment approaches:

3. Get help from a professional.

If you can’t or don’t want to do it alone, consult a professional for help.

Financial Planners : If you’re looking for a long-term guide, financial planners can help you manage your budget, savings and debt to support your goals.

Managing debt takes time, but it’s worth it.

If you have questions about your homeowners, renters or auto insurance (financial or otherwise), reach out today.

How to Declutter Your Home in 7 Steps

Fri, 08 Nov 2024 19:01:09 GMT

Were you part of the decluttering craze ushered in by Marie Kondo in the 2010s? You might remember people trying to decide what sparked joy and getting rid of everything else.

Minimalism may be losing steam, but it’s still good to reduce clutter. Messes can be stressful and distracting to look at, but they can also be dangerous. Overstuffed shelves can tip over or items can fall off and hit someone, while floor clutter can be a tripping hazard.

The following steps can help you find a decluttering routine that works for you.

Start small. Clutter can feel overwhelming. Consider starting with just a single shelf or drawer. You can also start small by setting a timer for 15 to 20 minutes and working until that time is up.
Set achievable goals. Let’s face it; you’re not going to declutter your entire house on one Sunday afternoon. Set a realistic goal, such as making it through one room a week, so you will feel motivated by the win and keep going.
Use the "four-box method." Making decisions about what to get rid of can be the hardest part of decluttering. Try to go with your gut, placing items in boxes labeled "keep," "donate" "sell," and "trash" to make it easier to get everything to its destination.
Follow the “one-in, one-out” rule. Buying something and bringing it home is easier than sorting through your stuff later. Give your household a rule: If they want to bring something new home, they have to give away a similar item.
Find storage solutions. Once you’ve decluttered a room, make it easier to find and put away the things you’re keeping. Shelves, bins, baskets and other organizing tools can help you store your belongings in an attractive and functional manner.
Set a schedule. Make decluttering a regular habit and get your whole household involved. Figure out where you tend to gather clutter and pick a time each week to deal with these areas.
Tackle digital clutter. Photos, videos and other files may not be a tripping hazard, but they can clutter up your devices, making it harder to find the things you want to keep. And if you’re paying for cloud storage, you could save money by getting rid of things you don’t want or need.

Do you have questions about keeping your property safe with homeowners insurance? Please reach out so we can talk about your policy.

A Guide to Fire Safety and Prevention

Fri, 25 Oct 2024 19:40:05 GMT

Fire safety is important all year round, but it should be on the top of your mind throughout the fall and winter months.

Between more indoor cooking, earlier sunsets, and colder weather, there’s a higher risk of danger from fires and electricity.

Good habits are important so you can enjoy this time of year safely. Whether using fireplaces, space heaters, candles, or kitchen appliances, keep reading for some essential tips to protect yourself and your property.

Fireplaces and Space Heaters
The most important tip is to never leave fires or heaters unattended. Before you leave a room, turn off the space heater and extinguish any embers from a wood-burning fireplace.

You should also keep any combustible materials at least 3 feet away from a space heater or fireplace, and place space heaters on level surfaces to prevent tipping.

Finally, when purchasing a new space heater, look for automatic shut-off and other safety features.

Candles
Consider flameless candles if you’re just looking for ambiance. As mentioned above, when using real candles, always blow them out before leaving the room.

Keep candles, matches, and lighters away from kids and pets.

Cooking and Kitchen Appliances

Always stay nearby and watch over the stove, oven, and other appliances when cooking. Keep flammable towels and curtains away from heat sources, too.

If a grease fire erupts, don’t use water. Cover the pan with a lid and use a compatible fire extinguisher .

Regular maintenance and cleaning can remove grease buildup and help prevent fires. It’s also good to inspect appliances and cords for damage to avoid electrical issues. Make repairs or replacements as soon as possible; don’t continue to use damaged appliances.

Be sure to check the smoke and carbon monoxide detectors in your home monthly, and replace batteries or unresponsive devices as needed.

Get in touch if you have questions about your homeowners' insurance policy and protecting your property.

Do you need to change your auto policy?

Fri, 11 Oct 2024 19:25:40 GMT

For most Americans who drive a car, auto insurance is part of life. You might not even think about it very often — until you need it.

However, just as your policy or premium may change from time to time, there are also some life changes that require you to update your insurance coverage.

Here are four common reasons you should get in touch to update your auto policy.

Moving
Where you live can affect your car insurance premiums. Are you moving to a new city or state? Venturing out to the suburbs or even a rural area? You’ll want to update your car insurance, which may even save you money.

If your move involves buying a new house, reach out about bundling your car and homeowners insurance to make things simpler.

New Driver
Getting your first driver’s license is an exciting milestone. If you have a new driver in your household, you can add them to your existing auto insurance policy. Your teen may even qualify for a discount based on good grades or other factors. We can review your options together.

Marital Status
If you’re getting married, you and your spouse may be able to save by having both of your cars on the same policy.

On the other hand, you may be looking for your own policy after a divorce, so you can get in touch for a quote.

Retirement
Retiring often means the end of your daily commute. You may be able to switch to a low-mileage policy and see your premiums go down.

If you have questions about your auto insurance or need to update your information, reach out for help.

Comparing 4 Types of Roofing Materials

Fri, 20 Sep 2024 19:11:23 GMT

Replacing your roof may not seem like the most exciting home project, but it is a necessity if you’ve been in your home for a while.

When choosing your roofing materials, you may have more options than you know. Some of the most popular materials include asphalt, metal, wooden shakes and clay tiles.

Let’s take a look at the pros and cons of each option to help you make the best decision based on your aesthetic preferences and practical concerns around cost, durability, life span and maintenance.

Asphalt Shingles
This is the most popular type of roofing material.

The advantages of asphalt shingles include affordability, ease of installation, fire resistance and multiple color options and styles.

On the other hand, asphalt shingles have a shorter life span than other roofing materials. They need regular maintenance and can be damaged by wind or hail. They’re also less eco-friendly than other options.

Metal Roofing
Metal roofing adds a sleek, contemporary look to your home. These materials can include steel, aluminum and copper.

Metal roofs are known for their durability in the face of extreme weather. They also reflect heat, helping to keep your house cool in the summer. A low-maintenance option, metal roofs also last longer than other types.

The primary downside to metal roofing is its higher cost, plus they can be noisy during rain and hail unless you add insulation.

Wood Shakes
This type of roofing material is handmade and a little rough-looking compared to machine-cut wood shingles. Wood shakes can add a classic, charming look to your home.

This material is eco-friendly, has aesthetic appeal, insulates well and is fairly durable.

Unfortunately, wood shakes are not very fire resistant unless specially treated. Additionally, they can be expensive and require more maintenance than other roofing options.

Clay Tiles

This type of roof often appears on stucco homes and is associated with Spanish or Mediterranean design.

The benefits of choosing clay tiles for your roof include curb appeal, energy efficiency, fire resistance and a long life span.

However, clay tiles can be broken in a severe storm, they are expensive to install and their heavy weight requires reinforcement.

Choosing the right roofing material can help protect your home and increase its value.

Whether or not it’s time to replace your roof, we can discuss any questions you may have about your homeowners' insurance coverage, so reach out today.

10 Homeowners Insurance Terms to Know

Fri, 06 Sep 2024 19:05:10 GMT

Understanding your homeowners insurance policy can feel overwhelming, especially if you’re a first-time homeowner. Terms like “open perils” and “indemnification” aren’t necessarily used every day. But it’s important to know what your policy says so that you know what’s covered (and what isn’t).

Let’s define 10 insurance terms you may not be familiar with, working together to ensure you can read your policy confidently.

Named or Covered Perils: These are the risks or causes of loss covered by your homeowners' insurance.

Open Perils: Also known as comprehensive coverage, this type of home insurance policy covers all losses or damages to your property except for exclusions specifically named in the policy.

Subrogation: Subrogation is when your insurer seeks reimbursement on your behalf from another person whose negligence caused damage to your property.

Indemnification: This is the principle of compensating policyholders for a covered loss.

Replacement Cost: This refers to the cost of replacing or repairing your home based on current prices for labor and materials.

Declarations Page: This is the front page of your policy, and it provides basic information: the policyholder’s name, the covered property,homeowners' and the premium and coverage amounts.

Rider: Also called an endorsement, this is an addition to your standard homeowners insurance policy to add coverage for extras such as valuable jewelry, expensive artwork, or antiques.

Personal Umbrella Policy: This policy offers additional liability coverage for your personal assets if an accident on your property exceeds your current coverage limits.

Loss of Use: If you have this type of coverage, it means you’ll be reimbursed for the expenses associated with temporarily moving out of your house as a result of damage caused by a covered loss.

Exclusion: This is any peril not covered by your policy, like flood or earthquake damage, intentional neglect, and more.

Have questions about your policy? Get in touch today.

5 Tips for Extending Your Car's Life

Fri, 23 Aug 2024 19:33:03 GMT

There are many reasons to keep your current vehicle for as long as possible. Maybe your car feels like an extension of yourself, and you don’t want to part with it. Or, because buying a new car can be an expensive undertaking, you might be waiting for interest rates or prices to fall.

Whatever your rationale for getting more out of your car, you can use these tips to help extend your vehicle’s life span and keep it in the best possible condition.

Keep it clean, inside and out.
Washing your car isn’t just about aesthetics. Dirt and grime can damage the paint, which can lead to rust. This is especially true with cold winters and salted roads. You should also keep the inside of your car clean to prevent wear and tear, odors and other issues.
Get regular maintenance.
This is probably the most important thing you can do to extend your car’s life span. Regular maintenance keeps your car running smoothly and could help you catch small problems before they turn into bigger issues. You can follow the manufacturer’s recommended maintenance schedule.
Change fluids as needed.
Whether you do it yourself or go to a mechanic, it’s important to check fluid levels and change them routinely. Check your engine oil, transmission fluid, coolant, brake fluid and power steering fluid to protect your car’s systems.
Care for the tires.
How often do you check your tire pressure? Underinflated tires wear out faster and can hurt your fuel efficiency. In addition to maintaining your tire pressure, you should also rotate them as recommended to keep the wear even. Of course, you’ll also want to replace tires before they become worn to avoid a safety issue.
Pay attention to warning signs.
When you see warning lights, follow up on the problem as soon as possible. Check your dashboard, but also use your senses to catch unusual sounds, vibrations or smells. Having these things checked out by your mechanic can save you from costly repairs down the line.

Reach out for help if you have questions or need to update your car insurance.

Are you thinking of buying a boat?

Fri, 09 Aug 2024 19:25:42 GMT

If you live near a body of water, having a boat could provide lots of summer fun, like fishing, water sports and simply hanging out with friends and family. In some places, boating can even be enjoyed during other seasons. If you love boats and have always wanted one of your own, buying a boat may be worth it regardless of how often you can use it.

Of course, as with any vehicle, it’s important to consider safety when buying and using a boat. Keep reading to learn more about buying and owning a boat.

Financing

A boat is a large purchase. If you can’t pay in cash, you may be able to get a new or used boat loan from a bank, dealership or other lender. It’s a good idea to get preapproved so you know how much you can borrow and what interest rate and monthly payment you can expect. You can consider buying in the fall or winter, when demand (and prices) might dip.

License, Registration and Insurance
Similarly to car ownership, owning a boat requires a license and registration. To get a license, you’ll need to take a safety course and pass the exam. You can look up state requirements for boat licensing and registration. Make sure to test drive your boat on the water before bringing it home, too.

While not required in every state, boat insurance is still a good idea to protect your investment. It can provide coverage for theft, accidents or damage from a covered peril. You can also get liability coverage in case you cause any accidents or damage.

Maintenance and Storage
You should also factor in the ongoing costs of maintenance and storage. You can ask the seller about maintenance for the type of boat you’re interested in, and you can also do research online.

You can store your boat at your house, on the water or on a trailer. You may also need to store it somewhere for the winter. If you can’t (or don’t want to) keep your boat at home, you can look for space at a marina.

Do you have questions about insuring a boat or other vehicle? Reach out today for help.

Your Guide to Parking Lot Safety

Fri, 19 Jul 2024 19:10:23 GMT

Parking lots are a fact of life, but they can be dangerous for drivers and pedestrians alike. Thousands of crashes occur each year in parking lots and garages, resulting in injury, death and damage to vehicles.

Whether you’re driving or walking through a parking lot, it’s important to curb bad habits and minimize the danger to yourself and others. Check out some parking lot safety tips below to protect everyone in the lot or garage.

1. Don’t use your phone.
Phone usage is a big cause of distracted driving. Resist the temptation to make calls or check notifications while entering the lot, looking for parking and leaving the lot. Looking down for even a few seconds could cause you to lose sight of a pedestrian or another car.

2. Stay aware of your surroundings.
The bigger the parking lot, the busier it may be, with intersections and traffic going in multiple directions — and other drivers may not be following the rules. Always follow directional signs and markings, stay in your designated lane and don’t cut through parking spaces. Be aware of the other cars and pedestrians around you.

3. Drive slowly.
It’s best to keep your speed below 15 mph, which gives you more time to react. You never know if another car will suddenly pull out in front of you or if a child could dart through the parking lot.

4. Park safely to protect your car.
Large parking lots, such as those at malls, can offer plenty of opportunity for thieves. To protect your car and your belongings, look for well-lit spots as close as possible to where you’re shopping. Always lock your vehicle and store valuables or recent purchases out of sight.

Safety should always be a top priority. Reach out if you have questions about your auto insurance coverage.

Determining Your Homeowners Coverage

Fri, 05 Jul 2024 19:00:34 GMT

Do you know how much homeowners insurance you have? Is it enough to cover the cost of repairing or replacing your home if something happens?

Many homeowners get a policy without thinking too much about the differences between replacement cost, actual cash value and market value.

However, these three kinds of costs can help you determine the amount and type of homeowners coverage you need, since it varies based on your property type, financial situation and more.

Replacement Cost
This refers to the price of rebuilding your home at today’s construction and labor costs. It’s usually less than your home’s market value, as it doesn’t include the price of the land your home sits on. Replacement cost also doesn’t deduct for depreciation. There are a variety of factors that determine replacement cost, including your home’s size and age, custom features and garage or basement space.

Actual Cash Value
Actual cash value generally applies to personal belongings inside your home with a reduction based on depreciation. In the event that they are lost or damaged in a covered peril, you would be reimbursed for the item based on factors like age and condition — meaning it’s typically less than replacement cost.

Market Value
What would your house likely sell for in the current real estate market? That’s the (aptly named) market value. This includes the structure and the land it sits on, which is why market value may be higher than replacement cost. Of course, it can fluctuate based on demand for homes in your area, interest rates and the condition of your property.

Figuring out estimates for each of these costs can help you determine the level of homeowners insurance coverage you need. If you need help with it, don’t hesitate to get in touch .

Do you need storage unit insurance?

Fri, 21 Jun 2024 20:21:29 GMT

Do you rent a self-storage unit? If so, you might be storing belongings during a temporary relocation or using it as a more permanent solution for items you don’t have room for at home.

Either way, you may wonder if your property is protected in the event of theft, natural disaster or other damage.

Let’s take a look at storage unit insurance options and other considerations for your unit.

What is storage unit insurance?
Protection for belongings you keep in a storage unit may be included in your homeowners or renters insurance. It would fall under personal property coverage for clothes, appliances, electronics, furniture and more. Get in touch if you’d like to review your policy details for covered perils and coverage limits on “off-premises” belongings. Storage unit insurance can also be purchased as a stand-alone policy.

You should also look into what coverage your self-storage facility offers. Look at the small print to understand what is and isn’t covered.

When do you need storage unit insurance?
This type of coverage comes in handy if personal belongings in your storage unit are stolen or damaged in a fire, flood or other natural disaster. Depending on the value of your items, you may want to purchase additional coverage.

Should you keep a storage unit inventory?
Just as you maintain a home inventory, a storage unit inventory can also help you keep track of your belongings and their value in case you need to file a claim. Create a list of items and their replacement value, along with any other information you can provide (such as receipts, appraisals, serial numbers on electronics, etc.).

Do you need help with coverage for your storage unit? Reach out today.

How to Create Your Home Inventory

Fri, 07 Jun 2024 20:17:08 GMT

Maintaining a home inventory is an important part of keeping your homeowners or renters insurance updated — and ensuring you have sufficient coverage.

It can be difficult if you wait until something happens to your home to try and remember what you own and its value. Instead, it may be a good idea to create a home inventory that could make the claims process easier if disaster strikes.

Find out more about why a home inventory is important and how to make your own:

What is a home inventory?
A home inventory is a list of your possessions and their estimated or appraised value. You may also want to include photos and receipts.

Having a home inventory will make the process of filing a home insurance claim easier in the event of an emergency, like a covered natural disaster or theft. You can refer to your list instead of trying to remember each item in your house when you’re already in a stressful situation.

How do you create a home inventory?
Prevent yourself from being overwhelmed by breaking it down by room and category. For example, you could start in the living room with categories like furniture, art and electronics. Cover high-cost items first, as these will be your top priorities to replace. You can estimate the worth of items you own or have certain valuables professionally appraised. As you make purchases, save receipts to record the value of new big-ticket items.

You can use an app or spreadsheet to keep your inventory organized. Record the serial numbers of electronics and appliances, and consider taking pictures for further documentation.

How often should you update your inventory?
Find a safe place to keep your home inventory, and update it quarterly, annually, twice a year or when you make a new large purchase — whatever works for your schedule. Put it on your calendar or set a reminder so you don’t forget.

Creating a home inventory can also make you wonder if you have the right home insurance coverage. Please feel free to reach out if you have questions about your policy.

Home Updates to Age in Place Safely

Fri, 24 May 2024 19:08:29 GMT

Would you prefer to stay in your current home in the long term? Aging-in-place is a growing trend among homeowners who want to stay put instead of downsizing or moving into a retirement community.

There can be many benefits to staying where you are, including proximity to loved ones, doctors, and other routines. However, you may need to update your home to address safety concerns.

Here are five universal design features to consider for staying in your home.

1. One-Floor Living
Having everything you need on one floor makes it easier to navigate your home. Eliminate the risk of falling on stairs or worsening joint issues by ensuring the first floor of your home includes a bedroom, bathroom, kitchen, and laundry room.

2. Accessibility in the Bathroom
Slippery surfaces can lead to a fall, so consider safety measures like:

A walk-in shower, which is easier to enter.
A walk-in tub if you enjoy soaking in a bath.
Grab bars next to the toilet and on the shower wall (in case you slip or lose your balance).
A shower seat, handheld shower head, and a riser seat for the toilet.

3. Widen doors and hallways.
This may not be the first thing you think of when considering age-in-place updates, but increasing the width of doors and hallways in your home will create space for walkers and wheelchairs. Aim for hallways that are at least 3 feet wide, with room to turn around.

4. A Safer, More Secure Front Entrance
It’s natural to focus on the interior of your home, but don’t forget the exterior. You may want to install a ramp, additional lighting, a smart doorbell, and a home security system.

5. Smart Interior Lighting
Good lighting helps you see where you’re going and what you’re doing. Motion sensor lighting or lights you can control with your smartphone could save you from walking to the switch when you enter and leave a room.

Have questions about how updates can affect your home insurance coverage? Reach out so we can discuss your policy.

Ready to debunk 4 common credit myths?

Fri, 10 May 2024 18:58:45 GMT

Credit is an important financial factor in modern life, necessary for making large purchases and borrowing money.

What many people don’t realize, though, is that your credit score can also affect things unrelated to loans, like your insurance coverage and rates. That’s why it’s essential to know what impacts your credit history and score (and what doesn’t).

Read this to learn the truth behind four common credit myths.

Myth #1: Carrying a credit card balance will improve your score.
While debt utilization (the percentage of your total available credit in use at any given time) matters, carrying a balance won’t necessarily help your score — and could hurt it. Carrying a balance also means having to pay interest on it, which is why paying off your card’s balance in full each month is best if you can manage it.

Myth #2: Checking your credit history will lower your score.
When you apply for a loan and the lender checks your credit, that’s a hard inquiry, which can affect your score (especially if multiple credit checks happen within a short period). But you can make a soft inquiry to check your own credit report and score without penalty.

Myth #3: Closing a credit account will improve your score.
The age of your credit accounts and your credit utilization ratio are both factors in calculating your score. Closing a credit card, especially a longtime account, can actually hurt your score temporarily. It’s generally better to leave a credit card open and unused than to close it.

Myth #4: You can quickly improve your credit.
Unfortunately, there’s no quick fix for your credit history. Certain events, like bankruptcy or foreclosure, may stay on your credit report for years. Other factors, like high credit utilization, simply take time to improve. But the upside is that you can rebuild your credit over time with sustained effort and good habits.

Get in touch if you have questions about your insurance policy or need to make changes to your coverage.

How to Protect Your Car From Break-Ins

Fri, 19 Apr 2024 17:20:24 GMT

Car thefts and break-ins are nowhere near as common as they were in the early 1990s or 2000s , but they do still happen sometimes. Having your window smashed or your car stolen isn’t just an inconvenience; it can also be expensive to repair or replace.

So, what can you do to protect your vehicle from a break-in? Read this for eight ways you could protect your car, its parts, and your belongings.

Keep windows closed and doors locked. No matter where your car is parked, double-check that doors and windows are closed and locked before you walk away. This can protect it from thieves who count on cars being unlocked.

Don’t leave your keys in the car. Leaving keys in your car, whether it’s off or idling, is an invitation to thieves. And if you have other keys on the ring, those spaces are also vulnerable to theft.

Keep valuables out of sight. As with keys, you don’t want to leave belongings visible in your car, including your phone, laptop bag, or other items someone might want to take.

Be careful about parking. Park in well-lit areas. The visibility can help to ward off criminals who don’t want to get caught breaking in.

Protect your car’s wheels. Yes, sometimes thieves will leave your car but run off with the wheels. Protect yourself with lug nut locks to prevent their quick removal.

Use security cameras at home. Whether you park in your garage or driveway, installing a visible security camera can be a theft deterrent. If something does happen, you’ll have caught it on video.

Prevent catalytic converter theft. While not every make and model is a target of this kind of theft, it’s an expensive repair if it happens to you. You can set your car alarm to respond to vibrations or ask your mechanic to install a lock or shield.

Make sure you have enough auto insurance. Having comprehensive coverage will help ensure you’re compensated for your loss if your car is stolen.

If you have questions or want to update your insurance policy, reach out today.

How Home Insurance and Warranties Differ

Fri, 05 Apr 2024 18:51:41 GMT

When it comes to taking care of your house, you may be familiar with the concepts of homeowners insurance and home warranties. But do you understand the primary differences between these two types of coverage?

If you’re not sure whether you should have homeowners insurance, a home warranty, or both, keep reading to learn more about each — including how they differ and what they do (and don’t) cover.

What is a home warranty?
A home warranty is a service contract covering normal wear or the breakdown of your home’s internal systems, such as electric, plumbing and HVAC, as well as appliances like the fridge, dishwasher and oven. They may come with a new home, but you could also purchase one after moving into an existing one.

Every home warranty can have slightly different terms, so make sure you understand what is covered and what isn’t, any coverage limits, and whether a deductible or trade call fees apply.

What is home insurance?
A homeowners insurance policy covers certain damages to and loss of your dwelling, personal belongings, and any other structures on your property due to a covered peril. Your policy may also pay for the medical bills of people who are injured on your property or help cover the cost of temporary relocation while your home is being repaired or rebuilt.

Home Warranty vs. Insurance
So what are the main differences between them?

A home warranty is optional, whereas homeowners insurance is usually required if you have a mortgage.
Insurance is for covered perils, such as fires and other unexpected events, while a warranty is for normal wear and tear.
A home warranty covers the interior of your home, whereas home insurance covers internal and external damage.

Whether you need both types of protection will depend on your situation, such as your emergency savings and your home’s age. Always read your policy or warranty carefully to make sure you understand what is and isn’t covered.

Reach out if you have questions about your home insurance coverage.

Why You Should Have an Emergency Fund

Fri, 22 Mar 2024 18:44:52 GMT

According to a 2023 survey, 63% of workers said they would be unable to cover a $500 emergency expense.

This means a majority of Americans don’t have an emergency fund, which is a savings account with roughly three to six months of living expenses set aside for unexpected expenses.

If you can, you should be working on building emergency savings. Even a small amount can add up over time. Learn about the most common reasons to tap your emergency fund.

Job Loss
Losing your job can be financially devastating, especially if you’re the primary earner in your household. Even if you qualify for unemployment benefits, emergency savings can help you keep up with bills.

Emergency Home Repairs
Homeowners can plan and budget for routine maintenance and repair tasks, but expensive repairs may arise suddenly. For example, a storm blows through and knocks a tree branch onto your roof or floods your basement. Whatever happens, it helps to have emergency savings to cover the cost without going into debt.

Major Car Repair
As with your house, your car doesn’t always give a warning before breaking down on the highway. Whether you have trouble with your brakes, engine or tires, having money saved up can get you back on the road.

Medical Expenses
Nearly half of American workers are enrolled in a high-deductible health plan, according to the most recent federal data . This can result in costly bills if you or one of your dependents has an injury or needs diagnostic testing. If you have access to a health savings account, you can save for medical expenses with pretax dollars. If not, your emergency fund will come in handy.

Do you have questions about your insurance coverage and how it could help you save in case of property damage? Get in touch to talk about your policy.

Get Your Property Ready for Spring

Fri, 08 Mar 2024 18:37:43 GMT

As your home begins defrosting from winter’s chill, it’s a good time to get everything ready for spring.

Take advantage of the burst of energy you get from spotting that first flower or songbird to deep clean and maintain your property, from the bedrooms to the backyard.

Does your home need some upkeep? Continue reading for five tasks that should be on every homeowner’s seasonal to-do list.

HVAC Readiness
Whether you have central air or use window units, you should:

Inspect panels to ensure they’re still secured and undamaged from the winter.
Remove debris such as leaves, twigs and grass from the compressor.
Replace the air filter.

Consider scheduling a professional tune-up visit if you’re unsure what shape your system is in.

Tree Trimming
Prune and trim shrubbery and trees as needed. This will boost the appearance of your landscaping and protect your home by keeping overgrowth away from doors, windows and HVAC units.

Look for trees that have been damaged or died over the winter. You may need to have them taken down to prevent risks to your property (or a neighbor’s).

Cleaning and Decluttering
Now is the time to donate or sell unwanted items, dust and mop your whole home, wash your porch or deck, and finish other seasonal or annual cleaning tasks.

Roof and Gutters
Check for buildup in your gutters, make sure downspouts are pointing away from your home, and look for holes or cracks. If you don’t feel comfortable cleaning your gutters, you can hire a professional.

You should also survey your roof to see if there are any damaged or missing shingles, and contact a roofing expert if there are repairs to be made.

Drain Your Water Heater

Sediment can build up in your water heater, which reduces efficiency. Draining and flushing it once a year can help the unit last longer, and it may also reduce your utility costs.

If you’ve got questions about home upkeep or your homeowner's insurance policy, get in touch today.

Does your car need a new battery?

Sat, 24 Feb 2024 01:10:01 GMT

Your car’s tires can dramatically impact the safety and efficiency of your vehicle, especially in bad weather. Worn-out tires could make your car harder to handle, lower your gas mileage and increase your stopping distance. It’s also uncomfortable to drive a car with tires that need to be replaced.

Generally, you should replace your tires every six years (and no longer than every 10 years). But you should also check for wear and tear. Learn how your tires get worn out and what signs to look for.

How do tires get worn out?

The primary things that wear down and damage your tires include:

Time. The more you drive, the more the rubber gets degraded and the tread wears down.
Potholes and curbs. Hitting a pothole or a curb can cause a crack in your tire. If you don’t repair or replace it, you may end up with a blowout.
Lack of maintenance. If your tires are under- or over-inflated, they will wear unevenly. Getting regular tire rotations can improve their performance and extend their lifespan.
Environmental factors. UV exposure, temperature and other environmental factors can wear down the rubber and cause cracks or separation of the tread.

What are some signs that your tires need to be replaced?

As mentioned, six years is the rule of thumb for tire replacement, but your tires may need to be switched out sooner. Look for:

Worn-out treads. Use a penny to check your tire tread depth. It should never be less than 2/32 of an inch.
A bubble on the sidewall. Usually the result of hitting a pothole or curb, this can lead to a dangerous blowout.
A shaking car. This could mean your tires are out of balance, so bring your car to a mechanic to get checked out.
A tire pressure leak. If you keep getting alerts that your tire pressure is low, it may be time for a replacement.

Do you have questions about your car insurance and what it covers? Get in touch for a chat.

Renewable Energy Systems for Your Home

Fri, 09 Feb 2024 19:06:56 GMT

Are you deciding between renovating your current house and finding a new one?

Most homeowners would probably love to reduce their utility bills while making a positive impact on the environment. Does that sound like you?

Good news: Installing a renewable energy system in your home can provide clean electricity and heat while lowering or eliminating your energy bills. However, there are upfront costs and other considerations involved.

Want to learn about your options for renewable energy systems?

What are the options for renewable energy?

Solar: Installing solar panels can provide a reliable, environmentally friendly source of electricity.
Wind: If you have acres of land, a wind system is a cost-effective way to power your home.
Microhydropower: Do you have water on your property? This type of renewable energy system uses a pump, turbine or waterwheel to generate electricity from water.
Geothermal: A geothermal HVAC system can heat and cool your home by using the temperature just below the earth’s surface.
Hybrid Systems: Combining wind and solar for your renewable energy system can help alleviate outages when one or the other isn’t producing as much power.

What to Consider Before Installing a Renewable Energy System

Check with local and state governments for any regulations you need to follow. The company you choose for installation should also be able to help you research and understand:

Building codes.
Easements.
Local covenants and ordinances.
Technology-specific requirements.
Whether to use a grid-connected or stand-alone system.
Property and insurance costs.
Selling energy back to the grid.
Tax credits.

How to Determine Your Electricity Needs

Be sure you know how much electricity you’ll need your system to generate by calculating your current consumption. You may be able to get this information from your utility company or renewable energy company.

You can also get a close estimate by multiplying the wattage of each appliance in your home by the approximate number of hours it’s used per day.

Reach out if you have questions about how your homeowner's insurance policy may be affected by the installation of a renewable energy system.

6 Home Projects That Can Boost Value

Fri, 19 Jan 2024 14:40:54 GMT

Are you deciding between renovating your current house and finding a new one?

Rising interest rates have made some would-be buyers and sellers reconsider — and if you decide to stay put, you may want to modify your home to better fit your lifestyle.

You should base your renovation decisions on what will most enhance your comfort and enjoyment of the home, especially if you’re not planning to sell anytime soon. But it doesn’t hurt to also consider the potential return on investment (ROI) of your project. Here are six home updates that could also boost your home’s value.

Updated Flooring
You may just want to refinish hardwood floors, or you could swap one flooring material for another.

Outdoor Space
A new deck, patio, or porch can add new living space to your house — especially if it’s enclosed or covered. It also enhances your backyard, offering a place to relax, enjoy a meal, or entertain guests.

Kitchen Improvements
You don’t have to do a complete kitchen remodel to see a positive ROI. Smaller improvements such as cabinet refacing, new cabinet hardware, a granite countertop, or new appliances can also boost the aesthetic of your kitchen and your home’s value.

Finished Basement
Do you need more space? You might be able to add living space to your home if you have a basement to finish. You could make it a bedroom, home office, playroom, or gym — the options are nearly endless.

Energy-Efficient Upgrades
Installing solar panels, switching to an electric heat pump, and replacing older windows can all save you money on utility costs while increasing your home’s value to future buyers.

Neutral Paint Colors
A fresh coat of paint gives the interior of your home an instant lift. A light, neutral color palette is the best choice for ROI because it appeals to the largest number of people.

Are you curious about how home improvements could impact your insurance policy? Get in touch today.

12 Tips for Staying Safe This Winter

Fri, 05 Jan 2024 19:39:13 GMT

No matter what else winter may bring, you’re probably experiencing lower temperatures this time of year.

That’s why this season can bring a specific set of challenges for your home and car. Snow and ice, heating systems, fire safety, pipes and tires should all be top of mind during the colder months.

Keep reading for 12 tips on staying safe at home and on the road when the thermostat is at its lowest.

Stay Safe and Warm at Home

Heat : Have your heating system inspected or serviced annually. If you have a fireplace, have it and the chimney professionally cleaned before you light your first fire.
Smoke and Carbon Monoxide Detectors : Make sure they are all working; if not, replace the batteries or install replacements.
Gutters : Keep them as clear as you can throughout the cold weather season.
Snow and Ice : If you get snow or ice, make sure to clear your sidewalk, driveway and entryway as soon as possible to prevent falls.
Temperature : Even when you’re not home, keep your thermostat high enough to prevent the pipes from freezing (no lower than 55 degrees).

Drive Safely This Winter

Road Conditions : Adjust your driving to the weather. Slow down (or stay home) if it’s snowing or the roads are icy. Don’t use cruise control on slippery roads.
Emergency Kit : Keep bottled water and snacks, a blanket, extra clothing, a flashlight and whatever else you may need if you get stranded in bad weather.
Cover : If possible, keep your car in the garage or under a carport to save yourself the trouble of cleaning snow and ice from your vehicle.
Tires : Before you drive in winter weather, check the treads and tire pressure to make sure your tires are in good condition.
Battery : Cold weather can cause your battery power to plummet, so test it before any long drives.
Wipers : Check your blades and replace them if necessary. You may even need winter wiper blades .
Gas : Keep your car’s tank half full to prevent the gas line from freezing.

If you have questions about winter safety or your insurance policies, reach out today.

When should you file an insurance claim?

Fri, 08 Dec 2023 22:11:35 GMT

No one wants to be in the position of filing a car or home insurance claim, but it may be necessary from time to time.

Whether your home sustained damage or you were in an accident involving another vehicle, filing a claim starts the process of getting reimbursed. This may include repair costs, the value of lost or stolen property, or associated expenses (such as a rental car or hotel stay).

Keep reading to learn when you should or shouldn’t file a claim and how the process works.

When should you file a claim?
Generally, it can be a good idea to file a claim on your homeowners or car insurance if:

The damage is covered under your insurance policy.
Someone was injured.
The other driver is at fault, or the fault isn’t clear.
Your home or vehicle is a total loss.
Your car was damaged by something other than an accident, and you have comprehensive coverage.

When is it not necessarily worth it to make a claim?
There are times when you may not benefit from filing an insurance claim; for example, if the damage to your car or home isn’t covered by your policy. Additionally, if the damage is so minimal that it doesn’t meet your deductible or isn’t worth potentially higher premiums, you may not want to make a claim. Filing several claims in a short time frame could result in higher rates.

How to File a Claim
If you do decide to file a claim, it’s important to do so as soon as possible. You should provide photos and relevant details and respond to requests for additional information.

Call the police if you’ve been in a car accident or if your home has been burglarized. Obtain a copy of the police report to submit with your claim.

Stop using the damaged vehicle (or part of your home) until it can be inspected. You don’t want to cause further damage while your claim is active.

Reach out if you have questions about your insurance coverage.

Do you know when to replace your tires?

Fri, 24 Nov 2023 12:42:48 GMT

How do tires get worn out?

The primary things that wear down and damage your tires include:

Time. The more you drive, the more the rubber gets degraded and the tread wears down.
Potholes and curbs. Hitting a pothole or a curb can cause a crack in your tire. If you don’t repair or replace it, you may end up with a blowout.
Lack of maintenance. If your tires are under- or over-inflated, they will wear unevenly. Getting regular tire rotations can improve their performance and extend their lifespan.
Environmental factors. UV exposure, temperature and other environmental factors can wear down the rubber and cause cracks or separation of the tread.

What are some signs that your tires need to be replaced?

As mentioned, six years is the rule of thumb for tire replacement, but your tires may need to be switched out sooner. Look for:

Worn-out treads. Use a penny to check your tire tread depth. It should never be less than 2/32 of an inch.
A bubble on the sidewall. Usually the result of hitting a pothole or curb, this can lead to a dangerous blowout.
A shaking car. This could mean your tires are out of balance, so bring your car to a mechanic to get checked out.
A tire pressure leak. If you keep getting alerts that your tire pressure is low, it may be time for a replacement.

Do you have questions about your car insurance and what it covers? Get in touch for a chat.

5 Tips to Improve Safety in the Kitchen

Fri, 10 Nov 2023 16:36:29 GMT

Fall and winter often bring full houses and big, home-cooked meals. If you expect to have guests — especially pets and kids — in your house, it’s an important time to revisit kitchen safety best practices.

Read this to refresh your knowledge of common kitchen dangers and how to prevent them. Then you’ll be ready to put on an apron and prepare that recipe you’ve been saving for a special occasion.

Use and store knives safely.
A sharp knife is an essential cooking tool; however, you can cut yourself if you don’t use your knives properly. When chopping foods, keep the sharp edge of the knife pointing down toward the cutting board, away from yourself.

Store knives out of children’s reach in a knife block, hung on a magnetic strip or in a drawer with a safety latch.

Prevent kitchen fires.
Never leave your stovetop unattended while cooking. This common mistake is one of the main causes of kitchen fires. Keep flammable items away from the stove, too.

Keep water away from electrical outlets.
Cooking and baking inevitably involve water and electric appliances. Stay safe by keeping plugged-in appliances and tools away from your sink, and dry your hands completely before handling electric tools. All outlets near a water source should be GFCI outlets .

Keep kids and pets out of the kitchen.
When you’re using your kitchen, running children or animals could trip you — or they could fall or bump into something. When little ones or pets do come into the kitchen, do your best to keep an eye on them to prevent harm.

Ensure that food is cooked properly.
Undercooked food (including meat, poultry, seafood, and eggs) can make you sick. You can use a food thermometer to make sure the internal temperature is safe. Make sure to thaw or marinate foods in the refrigerator instead of on the counter, and refrigerate leftovers promptly.

Get in touch if you have more questions about home safety or your insurance coverage.

How to Keep Your Teen Safe on the Road

Fri, 20 Oct 2023 12:37:40 GMT

Is your teenager ready to get a driver’s license?

This is an exciting milestone, but it’s also natural for parents to worry about their child’s safety on the road. And, as with other important topics, you are your teen’s best mentor for safe driving.

By talking honestly with them, ensuring their car is safe to drive, and setting a good example yourself, you can help set your child up for driving success.

Keep reading to learn four things teen drivers should know to keep themselves safe while driving.

Don’t use your phone while driving.
Talk to your teen about the importance of keeping their phone out of sight and out of mind while driving. The danger of texting while driving may be well-known, but even hands-free and voice-recognition technologies can pose a hazardous distraction. It’s always best to pull over safely before sending a text or making a phone call — and parents have to set that example, too.

Don’t eat or drink while driving.
Drivers (especially inexperienced ones) need their hands on the wheel and their eyes on the road. Fiddling with food and beverages may seem harmless, but it can be just as distracting as using a phone.

Don’t drive at night.
Driving in the dark can be dangerous for drivers of all ages. Headlights provide some visibility, but on many roads, everything outside your headlight beams is harder to see and react to. Teen drivers should avoid driving after dark until they’ve gotten more experience behind the wheel.

Know your state’s laws.
Many states now have a graduated driver’s license policy, which is a three-part process for receiving an unrestricted driver’s license at age 18. If your teen has a learner’s permit or junior license, make sure they know the rules. These laws could include limits on the number or age of passengers, whether there’s a curfew and more.

Curious about how a teen driver will affect your car insurance? Reach out so we can discuss changes to your policy.

Curious about identity theft coverage?

Fri, 06 Oct 2023 14:48:36 GMT

It’s somewhat common to be notified that your bank, email provider, favorite retailer, or other company has experienced a data breach.

How will you know if your identity is being used to open fraudulent credit accounts? This is where identity theft insurance and protection come in.

With this, you can get alerts about suspicious activity, reimbursements for the costs incurred via identity theft, and support through the process of recovering your identity. Keep reading for everything you need to know about identity theft insurance, what it covers, and how it works.

What is identity theft insurance?
This type of policy provides certain financial protections if your identity is stolen. It usually covers the costs associated with restoring your identity. In some cases, you may also be reimbursed for any money you lose due to fraudulent or unauthorized transactions.

Your policy may also include credit monitoring to alert you to suspicious activity as soon as possible, as well as identity restoration services to help you recover and restore your stolen identity.

How much does it cost?
Identity theft insurance tends to be relatively affordable, typically costing less than $60 annually . There may be an out-of-pocket deductible before your coverage kicks in.

How does it differ from identity theft protection?
Identity theft protection services can help reduce your risk of identity theft, alert you to suspicious activity, and help you recover from fraud, while identity theft insurance helps cover the associated costs.

Each identity theft protection service and insurance policy can be a little different, so review your options to find the combination of features you need. You may end up purchasing both to get the full suite of services and coverage.

Do you have questions or want to adjust your insurance coverage? Get in touch today.

How to Tell if Your Car Needs Repairs

Fri, 22 Sep 2023 11:54:12 GMT

Keeping your vehicle in good condition is essential to your safety. Plus, a well-maintained car can help you save money in the long run.

That’s why it’s important to get regular service for your vehicle, such as inspections, oil changes, and tire rotations.

But you should also know the signs that something may be wrong — when it’s time for a professional to look at your car for anything beyond regular maintenance.

You hear strange noises while driving.
If you’re driving down the road in a car that’s making knocking, squealing or grinding sounds, it’s probably time to call a mechanic. Strange noises can be an indication of malfunctioning spark plugs, low octane or brake issues.
Your dashboard lights are on.
You don’t want to ignore the “check engine” symbol or any other dashboard warning lights. It could be something small, but it’s best to find out and resolve the issue sooner rather than later.
You can feel vibrations.
Feeling your steering wheel, gas pedal, or seat shaking or vibrating is not normal. This could indicate a problem with your car’s tires, brakes, or suspension system. And the more your car bounces around while you drive, the harder it can be for you to keep control of the steering wheel.
Your windshield has a chip or crack in it.
We’ve all been there: One day you look up and notice a small chip or crack in your windshield. Don’t ignore it — that small crack could become bigger, and repairing a small chip is less expensive (and less dangerous) than replacing your whole windshield.

Reach out if you have any questions about car care or your auto policy.

4 Considerations for a Home Project

Fri, 08 Sep 2023 14:43:32 GMT

When it comes to home repairs and renovations, it can be difficult to know what you can accomplish on your own — and which projects are best handled by a trained professional.

Costs, safety, time, and the finished product are all things you should plan around. Consider the pros and cons of doing it yourself versus hiring a professional for a project.

You may be able to do smaller things on your own, but some jobs are better left to an expert.

What’s the time commitment?
Thanks to online tutorials, you have access to near-infinite home repair knowledge. But how much time do you actually have to put that information into action?

Before starting a DIY project, make sure you can complete the work within your target timeframe. For example, if you need to get a nursery ready before a new baby is born, can you expect to meet that deadline? Are you okay with spending so much of your spare time on it?

How much will you save?
Since you’re not paying someone else for their labor, you should be able to save a ton of money on your home project, right?

The answer isn’t always that simple. For example, do you already have the tools and materials you need? You can always get a few quotes to compare the expense of hiring a professional.

And keep in mind that you may have to hire a pro if there are issues, meaning extra spending on top of the money you’ve already invested into it.

Is safety an issue?
A good rule of thumb is that any project requiring a permit might be too big or too risky to DIY. This includes electricity, plumbing, digging, and structural changes. It’s not worth the chance that a mistake could hurt you or make your home unsafe.

Can you accept “good enough” instead of perfect?
Let’s face it: Sometimes a finished DIY project doesn’t look as good as if a contractor did it. If you want a renovation to come out perfectly (or if you want to sell your home quickly), consider hiring a professional.

Have questions about your home insurance and how your coverage can be affected by renovations? Reach out for assistance.

Your Fall Home Maintenance Checklist

Sat, 26 Aug 2023 05:03:39 GMT

Is your home ready for cooler weather? As summer winds down, it can be a good time to check seasonal home tasks off your list.

Then you can kick back and enjoy your home with whatever makes you feel like fall — decorating with pumpkins, drinking seasonal beverages or other activities.

Complete these six maintenance chores before fall and winter arrive to get your home ready for the changing seasons.

Clean your gutters.
You should clean out the gutters twice a year to prevent clogs. Clear gutters keep water flowing away from your house, which helps prevent exterior damage.
Get your heating system serviced.
It’s a good idea to schedule an annual furnace or HVAC inspection and cleaning. Catching a small issue early could prevent a larger repair down the line. You also don’t want to discover that the heat isn’t working when you need it most.
Have your chimney cleaned .
If you have a fireplace (gas or wood-burning), schedule an appointment with a professional chimney sweep before lighting the first fire of the season.
Prepare pipes and garden hoses.
Water left in outdoor pipes and hoses could freeze and cause damage over the winter. Drain and disconnect garden hoses and cover external faucets to protect them from low temperatures.
Inspect fire extinguishers, smoke alarms, and carbon monoxide detectors.
Replace dead batteries and any devices that are more than a decade old. If you have a fire extinguisher in your kitchen, make sure the pressure gauge is charged, the lock pin is in place and the discharge nozzle is clear.
Seal leaks around windows and doors.
Keep cold air out and warm air in. Sealing leaks will make your home stay at a more comfortable temperature, and it can also help lower your energy bills.

Maintaining a safe home is important no matter the time of year. If you have questions about your homeowner's insurance, you can always get in touch to ask about your policy.

Helpful Home Projects for Dog Owners

Sat, 12 Aug 2023 02:57:49 GMT

August is National Dog Month, and more than 65 million households in the U.S. have dogs. What better way to celebrate the special bond between canines and their people than by making your home more accommodating?

Whether you’re a longtime dog lover or getting ready to bring home your first puppy, a few small tweaks can make your house more comfortable and accessible.

Don’t overlook these updates that can make life easier for both you and your dog.

Install doggy doors.
Save yourself the trouble of opening the door every time your dog wants fresh air or needs to use the bathroom. A pet door can give your pets access to the backyard when they need it. A doggy door is typically an inexpensive addition, especially if you can install it yourself.
Build or buy ramps.
Whether you have a small dog or one who is getting older, ramps make it easier for them to navigate stairs and other obstacles. Pet ramps can vary in price, but exterior porch ramps and those replacing small interior steps can be a great way to update your home for accessibility and aging in place as well.
Add a bathing station.
Dogs often get dirty, and professional grooming can be expensive. You can bathe and groom your dog at home by adding a bathing area just for your pup: Consider turning a laundry room or mudroom into a dog-sized shower to keep the mess to a minimum.
Choose durable and easy-to-clean flooring.
If you want to update your flooring, vinyl, hardwood and tile are all popular options for dog owners. These choices are generally durable and easier to keep clean than carpet. Vinyl is usually affordable to install, while hardwood floors are pricier and tile flooring prices can vary widely.

Are you planning to renovate your home for any reason? Get in touch to review or change your homeowners' insurance coverage.

4 Ways to Make Your Home Safe for Kids

Fri, 21 Jul 2023 15:49:32 GMT

Whether you’re welcoming a new addition to your family or have guests with little ones coming to stay, safety should be top of mind.

Babies and toddlers are notorious for their curiosity and propensity for mischief, but you can protect little ones from harm by baby-proofing your home.

Keeping small children safe from electricity, water temperature and more is simple when you follow these four steps.

Cover electrical outlets.
As babies gain mobility, electrical outlets become a hazard. Use outlet covers to protect children from sticking their fingers or toys into outlets. Keep cords out of reach, too, so crawling babies can’t pull a lamp or other item down — or get tangled in the cord themselves.
Block stairs and other hazard areas with gates.
Babies and toddlers often run the risk of falling down stairs or getting into trouble in certain rooms. Install safety gates at the top and bottom of any stairs in your home, as well as to block off the kitchen or other parts of the house you don’t want children to wander into.
Set your water heater to less than 120 degrees Fahrenheit.
If a toddler were to get into the bathroom or kitchen and turn on the faucet, they could accidentally burn themselves. Protect curious children from this hazard by keeping your water heater’s temperature set below 120 degrees Fahrenheit.
Keep furniture from tipping.
Heavy furniture — as well as televisions, lamps and even artwork — can seriously injure children in your home if tipped or pulled down. It’s best to anchor or wall-mount as much furniture as you can. You may also want to consider putting away heavy items, such as lamps or vases, until your child and other children in your home are older.

If you have questions about updating your home or your insurance policy, reach out so we can discuss them.

5 Tips for Washing Your Car at Home

Fri, 07 Jul 2023 19:50:51 GMT

When was the last time your car got a proper cleaning? You don’t have to go to a car wash to get your vehicle sparkling, but you do need to know what you’re doing.

Washing your car at home may seem like a simple chore, but it can be surprisingly easy to make mistakes that could harm your vehicle’s paint.

Gather the right supplies and follow these five recommendations for washing your vehicle correctly.

Use the proper materials.
As with any household chore, the right tools can make all the difference. For car washing at home, try to have:

A variable-nozzle hose.
Soap made for cars.
Several microfiber cloths.
Buckets (one with clean, soapy water and one for rinsing dirt out).
A vacuum for the interior.
Rubber gloves.
Wheel and window cleaners.

Don’t wash in direct sunlight.
Washing your car on a sunny day may cause the shampoo to dry too fast, which can leave streaks or spots behind. It’s best to wash your car in a shady spot or wait for a cloudy day.

Start at the top.
Hose your car off first, then work your way from top to bottom. Soap your car with a soft cloth, and rinse it in sections. Don’t forget to wipe down your windshield wipers, too.

Dry with a microfiber cloth.
If you air-dry your car, it will leave streaks. You need to hand dry it, but regular household towels are too abrasive for your car’s paint, so pick up some microfiber cloth or chamois instead. This will keep your vehicle looking great after all your effort.

Use separate cleaning materials for the body and tires.
The tires are the dirtiest part of your car, so wash them last — separately from the rest of your car, and use a cleaning solution specifically for tires.

It’s important to take care of your vehicle. Do you have questions about auto coverage? Reach out today.

The Truth Behind 5 Car Insurance Myths

Fri, 23 Jun 2023 14:22:13 GMT

Have you always thought the color of your car affects your premium? Or that one traffic ticket could send your insurance costs skyrocketing?

These and other assumptions about car insurance may be common, but they aren’t accurate.

Keep reading to learn the truth about these five popular auto insurance myths — then you can make more informed decisions about which vehicle to buy next or what kind of coverage you need.

Myth #1: Car color impacts your premium.
Have you avoided buying a red car because you thought it would be pricier to insure? Luckily, car color doesn’t factor into your policy premiums. What’s important when it comes to insurance is the cost of repairing or replacing your vehicle after an accident, and the hue isn’t a factor.

Myth #2: Personal insurance covers business use of the car.
Whether you’re self-employed or drive for a ridesharing company, personal car insurance isn’t sufficient. If you’re using your vehicle for commercial purposes, reach out to make sure you’re properly insured.

Myth #3: Your credit score doesn’t affect your insurance.
Your credit score is one factor (among several) that may be used to determine your reliability. Too many negative events on your credit history can result in higher premiums.

Myth #4: Traffic violations automatically increase your premium.
One minor traffic ticket won’t necessarily increase your insurance expenses; however, a record of violations or a few severe ones could result in higher premiums.

Myth #5: Another driver in your car is covered by their insurance.
Auto insurance follows the car, not the driver. If a driver who isn’t on your policy uses your car, your insurance will still be the primary one used to cover any damages. It’s best to review your auto policy before letting anyone else drive your car.

Get in touch if you have questions about your car insurance coverage.

How to Care for Your Home's Foundation

Fri, 09 Jun 2023 18:17:58 GMT

When was the last time you took a look at your home’s foundation?

Maintaining a solid foundation is crucial to ensure the safety and stability of your property — and making prompt repairs will protect you from larger, more expensive problems down the road.

Regardless of the age of your house, inspecting the foundation should be part of your annual to-do list. Here are five things you can do to avoid damage and maintain a solid foundation.

Check for signs of foundation damage.
Inspect the exterior of your house for large cracks in the foundation. Inside, look for crumbling, bowing or sagging walls. Diagonal cracks on interior walls and cracks in the floor or ceiling can also indicate foundation problems. If you spot issues, it’s best to call an experienced professional for repairs.

Keep water from pooling around the foundation.
Too much water can cause foundation upheaval. Make sure you have proper drainage in the form of gutters, downspouts, downspout extensions and soil sloping to carry excess water away from the foundation.

Keep the soil moist.
While you don’t want to drown your foundation in water, you also don’t want clay-rich soil to get too dry, potentially causing cracks in your foundation. If you live in a dry climate or have dry seasons, you want to keep the soil moist enough to prevent contraction.

Control vegetation near the foundation.
Attractive landscaping adds to your home’s curb appeal, but stick to smaller plants for gardens that border your home’s foundation. Tree roots can cause problems with your foundation, so it’s best to plant trees in other areas of your yard.

Repair any damage promptly.
When it comes to home maintenance, whether with your foundation or something else, catching and repairing problems as soon as possible can save you money and headaches in the future.

Do you have questions about maintaining your home or your insurance coverage? Reach out today.

Solving a Pest Problem in Your Home

Fri, 19 May 2023 18:43:29 GMT

Do you have uninvited guests in your home? Depending on where you live, pests could be a year-round or seasonal issue, but they are never welcome. Nothing shatters your sense of peace and comfort in your home like discovering mice, termites, ants or other pests looking for food and shelter.

Luckily, there are tried-and-true methods for dealing with bugs and rodents in both the short and long terms. Keep reading to discover the best pest control solutions for your home.

Short-Term Pest Control Solutions
Once you’ve spotted signs of an infestation in your home, here’s what you can do to control the problem immediately:

Use poison and traps to eliminate ants, roaches, flies, mice or whatever pests you’re dealing with.
Treat your pets with flea medicine.
Seal entry points to keep bugs and rodents out.
Keep your home clean, and don’t leave food out.
Remove standing water that could be a breeding ground for mosquitoes.

Long-Term Pest Control Solutions

Once you get things under control for now, you’ll want to address the root cause to keep pests away for the long run.

Fix moisture issues or leaks that may be attracting pests.
Patch up cracks or gaps in your home’s structure.
Insulate your attic to keep mice and other rodents from getting in.
Proactively schedule regular pest inspections and treatments.

While no one enjoys dealing with pest issues, regular maintenance and prevention can help keep your home a haven — but only for you and your human guests.

Have questions about homeownership or insurance? Reach out so we can discuss your coverage.

A Homeowner's Guide to Safe Digging

Fri, 05 May 2023 17:33:47 GMT

Are you planning a backyard project?

With spring here and summer on the horizon, many homeowners are ready to spruce up their backyards or take on a big project.

If you’re ready to plant new trees, build a deck or patio, add a pond, or do anything else that requires digging, make sure you know where underground utilities are before you break ground.

Keep reading to learn who to call before you dig, how to identify different utility markings and how to keep yourself safe during an excavation project.

Call 811.
This is the national call-before-you-dig number. You or your contractor should call 811 to request the marking of buried utilities so you don’t accidentally damage an underground utility line. You can also contact 811 online through your state’s website.

Understand the different colors.
Once the buried utilities in your yard are marked, you may see different color markings. Here’s what they mean:

Red: Electric lines or cables
Yellow: Gas, oil, steam or petroleum
Orange: Communication or alarm lines
Blue: Potable water
Purple: Reclaimed water or irrigation
Green: Sewers and drain

Stretch your body before digging.
If you’re doing your own backyard digging project, make sure to stretch and warm up before you get started. Otherwise, you risk injuring yourself.

Use the right equipment.
Are the hand tools in your shed or garage enough, or do you need to rent equipment for your project? Do your research before you begin so you have the proper tools.

Contractors should be insured and bonded.
If you’re hiring a contractor for your digging or excavation project, check that they have insurance and are bonded. This protects you if they don’t finish the project or cause damage to your property.

If you accidentally hit a utility line while digging, call 911. And if you have questions about your home insurance, reach out for answers.

Common Sense Home Security Essentials

Fri, 21 Apr 2023 18:46:18 GMT

Is your house as secure as it could be?

With so much technology in the home security space, it can be easy to overlook commonsense tactics that protect your home. Simple measures are often the most effective, from exterior illumination to reinforcing doors and windows.

Here’s a list of home security essentials every homeowner should implement.

Choose a security system.

Options range from DIY security cameras to professional monitoring systems. Consider the upfront and monthly costs of different security systems.

You can also add smart-home abilities and smoke and carbon monoxide monitoring.

Generic security and “beware of dog” signs may also deter burglars.

Lock doors and windows.

You may be surprised by the number of home burglaries involving an unlocked front door or open window.

Take inventory of your windows and doors: Are any locks broken? Do any doors need to be reinforced or replaced? When moving into a new home, it’s always a good idea to change the locks so you can be sure you’re the only one with a key.

Store spare keys in a lockbox and place the box in an inconspicuous location that only you know how to find.

Light up your home’s exterior at night.

Someone looking for a house to rob will prefer the cover of darkness. So, you can scare off would-be burglars by investing in outdoor lighting.

Whether you opt for motion-activated or solar-powered lights, keep your open areas and paths well-lit. You can also use a timer or smart light bulbs to control when your outdoor lights are on and off.

Store valuables in a safe.

While plenty of big, fancy, and expensive models are on the market, a small safe works fine for most valuables. Be sure to bolt your safe to the floor or wall. Wall safes can also be covered with artwork or framed photos.

Have questions about your home insurance? Just reach out to us for help.

How to Tell if You Need a New Roof

Fri, 07 Apr 2023 18:40:35 GMT

When was the last time you looked at your roof? Most of us take for granted the shelter a roof provides … until something goes wrong.

While a typical roof can last as long as 25 to 30 years, individual shingles may fall apart, and small leaks can occur in the meantime. With spring in full bloom, April is a good month to examine your roof.

Here are six signs that your roof needs repair or replacement.

1. Missing or Cracked Shingles

A missing shingle means the adhesive holding shingles in place has started to weaken and separate. Cracked shingles are the result of expansion and contraction in hot and cold temperatures.

Either situation means the structural integrity of your roof may be compromised and puts you at risk for water damage to your home.

2. Water Damage

If your roof has sagging or bulging areas, it could be a sign of a weakened roof deck, which can be caused by water damage or rot. Water stains and noticeable leaking in your attic are signs of water damage to your roof. This is usually due to missing or damaged shingles.

3. Age of the Roof

Look at your home inspection report or home improvement records to check the age of your roof. If it’s been more than 20 to 25 years, it’s probably time for a new roof.

4. Algae or Moss Growth

Seeing green on your roof is an indicator that it’s retaining moisture, which can cause damage over time. You can use a removal service or clear the moss yourself, using a stiff brush.

5. Light Shining Through

If you can see daylight through your roof, this is probably the clearest sign of damage that needs to be immediately repaired.

6. Granules in Your Gutters

While it’s normal for some grit or granules to fall off your shingles, excessive amounts of grit in your gutters may be cause for concern. This could be a sign that your shingles are breaking down, which is another indicator that your roof needs to be replaced.

Have questions about your home insurance coverage? Just reach out to get help.

Why bundle your home and auto policies?

Fri, 24 Mar 2023 18:33:07 GMT

Are you missing out on savings? If you have insurance policies with more than one company, the answer is most likely yes.

The commercials are true: Bundling insurance policies is often cheaper and more convenient when done with a single insurer. But why?

While bundling may not be right for everyone, here is the how – and the why – on insurance bundling. Then you can make your own decision.

What does it mean to bundle my home and auto insurance?

Bundling your home (or renter’s) and auto insurance means getting both policies from the same insurer. You can ask for a quote to see your potential savings before you make a switch.

1. Save money when you bundle policies.

You probably have to have home and auto insurance anyway, so you want to get the best possible deal on your coverage. You may be eligible for a multipolicy discount when you get more than one insurance policy from the same company. This is in addition to any other discounts you receive, such as for a good driving record.

2. Simplify payments and organization.

Bundling your insurance coverage can help you simplify with one monthly payment instead of several. It’s also easier to keep up with your policies when you can view all your insurance documents in one place. Check your coverage, ask a question, and file a claim — all from the same online portal or mobile app. If your insurance needs to change in the future, you just have one phone call to make.

3. Increase your convenience as a customer.

If you file claims often, it's better to have a company that knows and values you as a customer. And even if you don’t file many claims, holding multiple policies with a single insurer gives more business to a company that has given you superior customer service in the past.

If you have any questions, reach out for help.

Spring Cleaning Tips for Your Home & Car

Fri, 10 Mar 2023 19:12:21 GMT

When you think of spring cleaning, what comes to mind?

For many people, a seasonal deep clean is associated with the home. However, many of the same tasks on your spring cleaning checklist for your home can also be used for your vehicle. After all, dirt gets tracked in and clutter accumulates in both your house and car. Why not give them the same seasonal scrub?

Check out five spring cleaning tips to help you tidy both your house and your car this season.

Declutter

First, get rid of what doesn’t belong. To declutter your car and the rooms in your house, make three piles: keep, donate and trash. If you feel overwhelmed, try tackling it in small batches, such as 15 minutes a day.

Organize

Once you’ve gotten rid of things you no longer want or use, it’s time to organize what’s left. For your house, this may look like new storage bins, shelving or filing cabinets.

In your car, use bins to store emergency gear, reusable grocery bags, sports stuff, snacks or anything else you regularly keep there.

Dust and Vacuum

Getting organized will free up surfaces and floors to be dusted and vacuumed. Start with dusting, working your way from high to low. Then vacuum floors and upholstered furniture. In your car, don’t forget to get on and under the floor mats.

Clean inside and out

In your home, mop tile floors and clean wood floors. Scrub bathrooms and the kitchen. Don’t forget about the windows, especially the exteriors. Break out that pressure washer.

You can take your vehicle to a car wash or do it yourself at home. Depending on the condition of your car’s seats, you may also want to use an upholstery cleaner and odor eliminator.

Deodorize

A pleasant scent makes any space feel cozier. In your car, you could hang an air freshener, spray a favorite scent, or diffuse essential oils. In your home, use candles (though never unattended), sprays, essential oils or plug-in scents to keep your space smelling good.

Have questions about your home or auto insurance? Reach out for help.

What pet damage does insurance cover?

Fri, 24 Feb 2023 20:08:09 GMT

Pets are a part of the family for many homeowners and renters, but they’re a big responsibility and can also be expensive.

One of the most important things for pet owners to understand is what pet-related damages your insurance policies cover.

Keep reading if you want to learn more about why you need to declare your pets on your homeowners or renters insurance — and why liability coverage, which is different from medical pet insurance, is so important.

Q: Does my homeowners insurance policy cover damage caused by pets?
A: The first step is to be upfront about any pets in your home. Otherwise, you may not be eligible for coverage if your pet hurts someone or damages their property. The liability and medical payment part of your policy would cover this type of incident.

Homeowners insurance usually doesn’t cover any damage your pets cause to your property, such as furniture or electronics.

Q: Does renters insurance cover pets?
A: It’s likely that your renters policy may also offer liability coverage for the types of damage mentioned above. Check your policy for specifics, and reach out with any questions.

Q: Does insurance cover dog bites?
A: If your dog bites someone on your property, the personal liability and medical payment coverages in your insurance policy may cover it. However, additional exclusions or higher premiums may kick in if this happens.

Q: Are any pets excluded from coverage?
A: Your coverage may be limited when it comes to certain dog breeds that are considered high-risk. Exotic or backyard animals are less likely to be covered, but it depends on the specifics of your policy. Let’s discuss it so you know what impacts your coverage.

Q: Will homeowners insurance pay for veterinary bills?
A: Homeowners insurance only covers damage caused by a pet to other people and their property. If your pet is injured during such an incident, you would have to cover the vet bills on your own. However, pet insurance for veterinary coverage does exist as a separate purchase.

Do you have questions about your homeowners or renters insurance? Get in touch today for answers.

Does your car have an emergency kit?

Fri, 10 Feb 2023 19:19:01 GMT

Are you prepared for a roadside emergency?

All it takes is bad weather, an accident or a flat tire to leave you stranded. You could be commuting to work, taking a road trip or visiting friends and family.

Be ready for the worst-case scenario with a vehicle emergency kit. Whether you can get back on the road or need to wait for help, these five items will help you stay safe (and as comfortable as possible) in the meantime.

Road Flares
Flares alert other drivers that a disabled vehicle is ahead. This can protect you from getting hit if there’s a narrow shoulder, it’s dark outside or you’re in a low-visibility spot. Choose from traditional flares that ignite like a match or battery-powered LED flares.
Jumper Cables
Use another vehicle or a portable jump starter to jump-start a dead battery with these. Read your vehicle’s manual to know where your battery is located, if any specific instructions should be followed, and whether or not jump starting is recommended.
Car Chargers
If you need to call for help or use the flashlight on your phone, you don’t want to discover your cell phone is dead. It’s also a good idea to keep a portable charger or power bank on hand if you can’t use a plug-in charger because your car battery is dead.
Blankets and Warm Clothing
Being stranded in the cold isn’t fun — and it could be dangerous. If you can’t run your car’s heater, have blankets and a spare sweatshirt, hat and gloves on hand to keep you warm until help arrives.
Snacks and Water
You could get hungry if you have to wait a while for the road to clear or for help to arrive. Keep protein bars and other shelf-stable snacks, as well as bottled water, in your vehicle.

Staying safe and being prepared are important while you’re on the road. If you have questions about your car insurance coverage, reach out to get answers.

How Should You Deal with a Hit-and-Run

Sat, 21 Jan 2023 02:08:37 GMT

Getting hit by another driver is scary enough, but a hit-and-run accident is perhaps the most stressful of all.

Without talking to the other driver, you don’t really know what happened — or if they have insurance.

Hopefully it never happens, but knowing what to do after a hit-and-run will prepare you if it does. Keep reading to learn the steps to take if another driver hits you and leaves the scene.

Make sure you’re safe and unhurt.
Safety should be your priority after any car accident. Check yourself and any passengers for injuries. Call 911 if you need serious medical assistance. Then, move your vehicle onto the shoulder if possible. If your car isn’t driveable, at least get yourself and anyone you’re with onto the shoulder if it’s safe to do so.
Call the police and don’t leave the scene.
Even if you are uninjured and your car isn’t badly damaged, you have a legal responsibility to stay at the scene. Call the police to report the accident and ask for a copy of the officer’s report; you may need it to support your insurance claim.

Most importantly: Don’t try to pursue the driver who hit you.
Take photos of the damage.
Again, only if it’s safe to do so, take pictures of the damage to your car. These may be helpful for the police report and will also be good to have when filing a claim.
Write down any information you have on the car or driver.
Don’t rely on your long-term memory — write down everything you observed about the other car, such as the vehicle make and model, color, distinctive features, and the direction they fled.

And if any witnesses stop to help, ask them to give a statement to the police.
Call the insurance company.
After the police finish their report, call to start the claim process. It’s best to get in touch as soon as possible after the accident.

Have questions about your coverage or making claims? Reach out so we can chat.

Why You Should Do an Annual Check-In

Sat, 07 Jan 2023 01:58:37 GMT

When was the last time you gave your home and auto insurance policies an annual checkup?

A lot can happen in a year, and reviewing your current coverage is worthwhile to see if anything needs to be updated or changed.

Keep reading to learn why you should check in on your policies.

Major Home Renovation

If you added on to your home, upgraded the kitchen and bathrooms, or made any other big changes to the property, make sure you have enough dwelling coverage to rebuild your newly remodeled home.

Even if you’ve only done minor renovations, rising construction labor and materials prices could mean that your coverage wouldn’t be enough to rebuild your home in its current condition. In that case, you’ll want to increase your coverage to avoid having to foot some of the bills yourself.

Addition of Valuable Objects

Have you purchased or inherited valuable artwork, antiques or jewelry in the past year? It’s time to update your home inventory and see if you have the proper policies to replace the value of the items inside your home. And if you added a home security system to protect your valuables, you may be eligible for a discount.

Change in Marital Status

Did you get married recently? You could be eligible for a discount if you bundle home and auto insurance policies with your new spouse.

If you got divorced or your spouse has passed, you can no longer be on a joint car or home insurance policy with that person. Reach out to get a quote for your own policy.

Payments on an Auto Loan

Review your auto insurance coverage to see if it still meets your needs. For example, if you’ve paid enough of your auto loan down, you may no longer need gap insurance. If you’ve changed jobs and are doing less driving, you may be able to get a discount.

Do you have questions about your coverage? Reach out so we can discuss your insurance needs.

A Guide to Non-Owner Auto Insurance

Sat, 10 Dec 2022 01:47:41 GMT

Do you drive other people’s vehicles regularly? You can’t count on being protected by the owner’s car insurance policy.

Whether you borrow vehicles from family and friends, rely on car rentals, or use a car-sharing service, you may need a non-owner car insurance policy to cover you in case of an accident.

Want to learn more about non-owner coverage so you can get on the road with peace of mind?

Q: Can I get auto insurance if I don’t own a vehicle?
A: Non-owner auto insurance offers liability protection to drivers of cars owned by others. Whether you’re in a rental or borrowing a ride from someone you know, you can be covered in case of an accident. This is helpful when the car owner’s policy has low liability limits or doesn’t cover you as a driver.

Q: Who should have non-owner auto insurance?
A: If you don’t own a car but drive frequently, you may need it to avoid financial liability in an accident. Do you regularly rent cars? It may be more cost-effective to have a non-owner’s policy than to pay for temporary rental insurance each time.

If you’re working toward getting your driver’s license reinstated, you may be required to maintain auto insurance coverage (even if you don’t own a car). And suppose you’ll be without a vehicle temporarily after selling your car. In that case, you may want to keep a non-owner’s policy to avoid being penalized later for a lapse in coverage.

Q: What does this type of insurance cover?

A: Non-owner auto insurance primarily offers liability coverage for the financial costs of any property damage or bodily injury you may cause while driving. Your policy may also cover for uninsured or underinsured drivers, medical payments and personal injury protection.

However, this type of insurance does not offer collision or comprehensive coverage.

Please reach out if you have questions about your auto insurance coverage.

What's a Home Insurance Binder?

Sat, 26 Nov 2022 01:43:22 GMT

When you think of binders, you may think of school or work. But home insurance?

Yes, a home insurance binder is a real (though temporary) thing. You can think of it as a temporary driver’s license that gets you on the road while you wait for your permanent license to arrive. Insurance binders provide proof of your coverage until your complete policy is done.

Learn more about what a home insurance binder is, why you need one, what’s included and how long it lasts:

What is a home insurance binder?

A home insurance binder is a temporary document that serves as proof of your policy until the underwriting process is complete. They provide details on your coverage. When you receive your complete policy, you no longer need the binder.

Why would you need one?

When you apply for a mortgage, you have to show your lender that you’ve purchased homeowners insurance. A home insurance binder provides proof of coverage until you receive your full policy.

What’s included in a homeowners insurance binder?

This is what you’ll typically find in a home insurance binder:

How long the policy lasts
Information about your insurance company
Deductible, coverage amounts and limits
Type of policy
Hazards you’re protected against (such as weather-related damage, theft and vandalism

Does a home insurance binder expire?

Insurance binders are generally valid for about a month. Once you receive your final policy with its declaration page, you no longer need the binder.

Have questions about your home insurance? Reach out so we can chat.

Does your Massachusetts Home Insurance Cover Oil Tank Leaks?

Sat, 19 Nov 2022 15:35:09 GMT

Important Information if You Have Oil Heat

Home oil tanks contain hundreds of gallons of home heating oil. If your home heating oil tank leaks, it can cause extensive damage to your home, possessions, your neighbors’ property, and even the environment. A February 2022 news story in Massachusetts about a young family whose home heating oil tank leaked and caused thousands of dollars in damage has many Massachusetts homeowners concerned about their home insurance, and if it provides coverage in the event of an oil tank leak.

All oil tanks and systems in homes have the possibility of leaking, regardless of their age or any upgrades. According to Safety Insurance, “most home heating oil spills and leaks result from the delivery or supply line that carries home heating oil from the storage tank to the furnace.” (1)

The cost to remediate a residential oil spill is expensive and depends upon how many gallons have spilled, how long the spill was allowed to continue, whether the concrete and/or ground below the tank has been affected, whether a water supply or neighboring property was affected, and other factors. Oil spill remediation costs can range from $15,000 to more than $150,000, which causes immeasurable stress and jeopardizes a homeowners’ financial stability.

Whether your home has an above-ground or underground oil tank, it’s important to know what your homeowners’ insurance will or will not cover.

Does My Home Insurance Cover Oil Tank Leaks?

Most standard Massachusetts homeowners’ insurance policies provide coverage to repair or replace your home and its contents in the event of damage caused by fires, lightning strikes, windstorms and hail, theft or vandalism. However, there are some losses not covered by home insurance without a supplemental policy. Unfortunately, Massachusetts home heating oil tank leaks fall into this category.

Most homeowners’ policies don’t cover remediation for oil leaks without the purchase of the additional oil tank leak coverage, because of pollution exclusion provisions.

(The formal name for the “oil tank leak coverage” on insurance policies is “Escaped Liquid Fuel Endorsement.”)

A law was passed in 2008 in Massachusetts that requires:

The installation of either an oil safety valve or an oil supply line with protective sleeve on systems that do not currently have these devices: and
Insurance companies that write homeowner policies to offer coverage for leaks from heating systems that use oil.(2)

Unfortunately, few homeowners know about this law and have not invested in the optional, yet very important, Escaped Liquid Fuel Endorsement. In fact, environmental law attorney Susan Crane said only “7% of Massachusetts homeowners who heat with oil have the coverage.”

What is the Cost of Adding the Escaped Liquid Fuel Endorsement to my Homeowners Policy?

It’s important to note that the cost and coverage of this endorsement varies by insurance company and by the individual terms of the policy.

However, in most cases $100,000 worth of coverage is available for as little as $87–$100 annually. When weighed against what could be substantial clean-up and liability costs (which will total in the tens of thousands, if not hundreds of thousands) in the event of a leak, the cost of the coverage is nominal.

How Can I Add the Endorsement?

The endorsements that can be offered are based upon tanks and fuel oil systems complying with the Massachusetts “Homeowner Oil Heating System Upgrade and Insurance Law” (Chapter 453 of the acts of 2008, amended 2010) (3). The steps to add the Escaped Liquid Fuel Endorsement will differ depending on your specific insurance company, but most require the following to add the endorsement:

You must have either a non-metallic sleeve around the pipe that feeds the burner or a safety valve to prevent leaks
You must have a visual inspection of the fuel supply lines for the heating oil storage tank completed by a certified oil technician. The oil technician must then sign and date a certificate of compliance Form 1A.

After these steps have been completed, your insurance agent can then add the coverage to your existing homeowners insurance policy.

What Does the Escaped Liquid Fuel Endorsement Cover?

The coverage provided by the endorsement will vary depending on the insurance company that underwrites your homeowners’ insurance. Typically Escaped Liquid Fuel Endorsements can provide coverage for:

The expense of cleaning, decontamination, and/or remediation of your property.
The cost of damage caused to your property by the sudden and accidental overflow/escape of fuel oil from an oil tank or supply lines connected to your heating system.

Most escaped fuel endorsements do not provide coverage for:

Loss or damage resulting from repeated escape/overflow of oil.
If damage occurs while the building is under construction or,
If damage occurs while the building is vacant.

Steps to Help Mitigate or Prevent Home Heating Damages and Oil Tank Leaks

According to Safety Insurance, homeowners should take the following preventive maintenance measures:

Install smoke detectors and carbon dioxide detectors in your home and change the batteries (if applicable) each year
Keep the area around the heating system clear of debris and flammable materials
Have annual maintenance for both your heating furnace and oil tank to prevent future problems
Install an automatic shutoff valve
Replace the fuel supply line with one encased in a non-metallic protective sleeve

Home heating oil leaks are not only be stressful, but can also be extremely costly to remediate, cause environmental damage, and the fumes from escaped fuel can pose significant health risks to homeowners and their families.

We can review your current homeowners’ insurance to ensure sufficient coverage in the event of an oil heat related loss or make recommendations for adding the Escaped Liquid Fuel Endorsement to your policy. In addition to home insurance, Atlantic Insurance has provided car insurance, condo insurance, business insurance, as well as life insurance to thousands of Massachusetts individuals and families since 1993. Look to Atlantic Insurance for broad coverage, competitive rates to suit a variety of budgets, and the local, friendly, and compassionate insurance support you deserve.

Please call us at 617-698-2200 if you want to talk more about adding oil tank leak coverage, aka Escaped Liquid Fuel Endorsement, to your homeowners policy.

Sources:

Safety Ideas for the Holiday Season

Fri, 11 Nov 2022 19:37:47 GMT

Are you planning to travel or host a gathering this holiday season? While there’s plenty to look forward to this time of the year, unfortunately there’s also a spike in fires, car crashes and other accidents.

As you plan holiday travel or make a to-do list for hosting friends and family at your house, brush up on these safety tips as well:

Home Safety Tips

Don’t leave the stove or fryer unattended. Avoid cooking fires by keeping an eye on in-progress dishes.
If you’re leaving town, tell a trusted neighbor. They can keep an eye on your house and collect your mail.
Use holiday lights with care. Check whether lights are for indoor or outdoor use. Make sure you replace older strands of lights and don’t string lights on a metal tree.
Keep an eye on candles. Place candles on sturdy surfaces, and don’t leave them alone. Alternatively, consider fake candles.
Check your smoke detectors. Replace the batteries as needed.
Seal windows and doors. Keep water from getting in through cracks in your windows, walls or doors.
Schedule a fireplace inspection. If you have a fireplace, it’s a good idea to have a chimney sweep clean and inspect your fireplace.

Vehicle Safety Tips

Don’t drive while impaired. Have a designated driver in your group, or take a taxi or rideshare home. Remember that driving drowsy is also unsafe.
Avoid distractions. Put your phone away when behind the wheel. Keep children and pets restrained.
Be prepared for inclement weather. Check the forecast before leaving, and make sure you have a windshield scraper if snow, sleet or ice is coming.
Keep emergency supplies on hand. If you get stranded in bad weather or have to wait for roadside assistance, you might need blankets, bottled water, snacks or a flashlight.
Get your car serviced. Have your mechanic check out the tires, brakes and other important components at your next oil change — before traveling for the holidays.

Have questions about your home or auto insurance? Reach out anytime. We’re happy to help.

Emissions Testing: Covering the Basics

Fri, 21 Oct 2022 18:18:34 GMT

If you live in a state that requires safety inspections and emissions testing, you may view this annual chore as an inconvenient but necessary part of car ownership.

But do you ever wonder about the purpose of emissions testing and safety inspections? What happens if you fail?

Keep reading to learn the basics of emissions testing and why regular inspections are important:

What’s the purpose of emissions testing?

Emissions testing ensures that your vehicle meets the standards set by the Environmental Protection Agency (EPA) to minimize air pollution. Specifically, the purpose of this test is to measure levels of carbon dioxide, hydrocarbons, carbon monoxide and other emissions.

Are emissions tests required?

Emissions testing is required in a majority of states, but not every single one. Requirements vary by state (and sometimes by city). The age of the car can also be a factor. If you’ve recently moved to a new state, check with the DMV to find out what is required.

Do all vehicles have to get tested?

In general, fully electric vehicles (EVs) will always be exempt from testing because they don’t emit pollutants. Hybrid vehicles may still need emissions testing because they run partially on an internal combustion engine.

Check with your DMV before purchasing a new type of vehicle. Reminder: Emissions testing requirements vary by state and city.

What happens if your vehicle fails emissions testing?

Unfortunately, you will have to repair the issue and take the emissions test again. There may be a grace period in which you can keep driving, but you’ll ultimately need to pass the emissions testing so your vehicle can stay legally registered.

These are the most common reasons for failure:

Levels of hydrocarbon or carbon monoxide are too high.
An exhaust sample couldn’t be taken due to another issue.
The on-board diagnostics (OBD) isn’t working.
Loose gas cap.

If your vehicle fails an emissions test, your mechanic can identify the necessary repairs.

Have questions about your car insurance? Get in touch anytime.

Does home insurance cover plumbing?

Fri, 07 Oct 2022 17:46:15 GMT

What’s one of a homeowner’s greatest enemies? Water (where it shouldn’t be).

When water enters your home, it can quickly cause a lot of damage. So, it’s important to understand which types of plumbing issues and water damage are covered by your home insurance policy.

Learn about the types of insurance for water damage as well as what is and isn’t covered:

Likely Covered

When it comes to coverage of water damage, the key indicators that an issue is likely covered are sudden and accidental.

Coverage of water damage would fall under dwelling coverage (the structure of your home) or personal property coverage (your belongings). A deductible and coverage limits may apply to personal property coverage — review your policy or contact us with questions.

Examples of water damage that are likely covered include:

A burst pipe or water heater ruptures.
Soaked drywall or ceiling.
Wet belongings such as a mattress, television or laptop, or furniture.

Something like mold cleanup may be covered.

Not Covered

On the other hand, water damage caused by issues that are not sudden or accidental, such as delayed maintenance and neglect, will not be covered. And homeowners insurance only covers the damage caused, not the source of it. You’ll have to replace or repair pipes and appliances yourself.

Examples of water damage that isn’t covered include:

Replacing or repairing the source of water damage, such as the pipe, water heater, etc.
Normal wear-and-tear.
Negligence or poor maintenance, such as not fixing a leaky toilet, dishwasher or fridge.
Flooding and sewer backup. (You’d need to purchase flood insurance separately or add water backup coverage to your existing homeowners insurance policy.)

Have questions about your homeowners insurance? Just reach out, and we’ll be happy to help.

10 Home Insurance Terms to Know

Fri, 23 Sep 2022 17:39:43 GMT

Are you a home insurance expert or does the industry’s jargon leave you scratching your head?

Unfortunately, if you don’t understand everything that’s in your homeowners insurance policy, you could be vulnerable to expensive mistakes or unpleasant surprises later on. We’re here to help.

Keep reading for our list of 10 important, uncommon, and often misunderstood home insurance terms to know about.

1. Adjuster: The claims adjuster investigates your claim, collects evidence and determines how much to pay for the property damage or total loss.

2. Declarations Page: This is the front page of your homeowner’s insurance policy. A declarations page summarizes basic information about your policy such as the policyholder, the home covered, and your coverage and premium amounts.

3. Indemnification: The compensation for your homeowners insurance claim.

4. Loss of Use: Coverage that pays additional expenses when a policyholder has to move out of their residence while repairs are made as a result of damage caused by a covered loss.

5. Negligence: A failure to take reasonable care or otherwise prevent damage to your home and property.

For example, you neglect to shovel the snow from your sidewalk and a neighbor injures themselves. Or, you don’t take a dead tree down and it falls on your property or your neighbor’s.

6. Occurrence: A single event or series of exposures that cause an injury or damage to your property. Examples include break-ins, fires, burst pipes and more.

7. Personal Umbrella Policy: An optional, additional liability coverage for your personal assets in the event of an accident on your property that exceeds the limits of your current homeowners coverage.

8. Replacement Cost: The actual cost of replacing your home and property in the event of damage or complete destruction. Replacement cost is different from the current market value of your home.

9. Scheduled Personal Property: If you have high-value personal property such as jewelry, artwork, antiques and more, this type of coverage can be added to your homeowners policy.

10. Subrogation: When someone else’s negligence leads to damage to your property (such as a neighbor’s tree falling on your roof), you can ask your insurer to settle the claim for you. Subrogation is the process of seeking payment recovery for you.

Have questions about your homeowners insurance? Just reach out, and we’ll be happy to help.

Insurance Add-Ons for Homeowners

Sat, 10 Sep 2022 02:46:22 GMT

Does your homeowner’s insurance protect against all the possible threats to your property? If you’re worried about something that isn’t covered, you may be able to add it on. An insurance add-on, also known as a rider or endorsement, is an optional addition to your policy.

It’s a good idea to review your current policy to get clear on the types of damage you’re insured against. Learn about a few popular insurance add-ons to see if any of them make sense for you:

1. Sewer Backup

Having your sewer back up into your sink, toilet or drain is no fun. In addition to the ickiness factor, the repair bill can be expensive. You need a plumber to unblock the sewer, and you’ll probably have a mess to clean up.

Adding a sewer backup rider to your homeowner’s coverage will cover the costs associated with repairing the problem, replacing damaged belongings and removing wastewater from your home.

2. Home-Based Business

Do you run a small business out of your personal residence? Instead of purchasing a commercial insurance policy, you can add a home-based business rider to your policy. This will protect the personal belongings in your office space and cover any medical bills for business visitors who are injured on your property.

3. Swimming Pool

When it comes to home pools, you should check your existing coverage to see if damage to the structure of your pool is covered. If guests injure themselves in or around your pool, it’s likely not covered by your standard homeowner’s policy. You’ll have to add injury coverage as a rider.

4. Earthquake

As with hurricanes and floods, earthquakes are a type of natural disaster that require additional coverage. An earthquake rider will cover the costs of repairs and debris removal in the wake of an earthquake. In addition to your home, earthquake coverage protects other structures on your property such as a garage, shed, deck, etc.

5. Umbrella Coverage

This is a type of personal liability insurance that protects you and your family from major claims and lawsuits. Umbrella coverage may extend to other homes you own, as well as your vehicles and any watercraft.

Have questions about insurance add-ons? Just reach out, and we’ll be happy to help.

What's a reconstruction cost estimate?

Sat, 20 Aug 2022 02:41:18 GMT

If your home is destroyed by a fire or other catastrophe, will you be able to rebuild it?

You may not know that your home’s reconstruction cost is already set in your insurance policy. With construction prices trending upwards, it’s a good time to check your coverage limit and increase it if necessary. Otherwise, you’ll have to cover any gap from your own pocket.

Learn what a reconstruction cost estimate is and how to calculate it for your home.

What is a reconstruction cost estimate?

Your reconstruction cost estimate (also known as your dwelling coverage limit) is part of your homeowner’s insurance policy. It refers to the cost of rebuilding your home and any attached structures as they were before a total loss.

The most important thing to know about a reconstruction cost estimate is that it’s not the same as your house’s current market value.

How is it calculated?

The simplest way to determine your home’s reconstruction cost estimate is to look up the average per-foot rebuilding costs (labor and materials) where you live. Multiply that per-foot cost by the square footage of your home and any attached structures.

Reconstruction Cost Estimate vs. Home Appraisal

A home appraisal looks at the real estate market in your area and comparable properties to determine a sale price for your house based on its location, condition and other relevant factors.

In contrast, a reconstruction cost estimate is solely about the price of labor and materials. If you had to build your home from the ground up, to resemble its current condition, what would it cost?

It’s important to choose the right amount of dwelling coverage, or you could be left with out-of-pocket costs for the difference between your coverage limit and the actual reconstruction cost.

What’s the difference between a reconstruction cost and a replacement cost?

The replacement cost for your home refers only to the price of labor and materials. Reconstruction cost accounts for additional costs related to rebuilding such as demolition, debris removal, and more.

Have questions about your dwelling coverage limit? Just reach out, and we’ll be happy to help.

Insurance Explained: "Acts of God"

Fri, 05 Aug 2022 13:37:02 GMT

“Act of God” is a commonly used insurance term, but you may not know exactly what it means. When it comes to weather and other unpreventable events, it’s important to understand acts of God so you can protect your property by making sure you have the right insurance coverage.

Keep reading to learn what an act of God is, the types of events that qualify and how it all factors into home and auto insurance policies.

What does “act of God” mean?

Simply put, an act of God (in property and car insurance policy terms) refers to events, such as extreme weather, that are out of your control.

If it’s something you can’t prevent, it’s likely an act of God.

What types of events qualify as an act of God?

Examples of acts of God include windstorms, lightning strikes, hail storms, wildfires, hurricanes, tornadoes, floods and earthquakes. However, not every act of God is included in a standard insurance policy. You may need additional coverage.

Does auto insurance cover acts of God?

Car insurance will cover acts of God if you sign up for comprehensive coverage. This type of auto insurance covers natural disasters as well as other types of damage not caused by a collision. For example, if your car is vandalized or an animal runs out in front of you, comprehensive coverage can help you pay for repairs or a total loss.

What about home insurance?

A standard homeowners policy usually covers some acts of God. Flooding and earthquakes are two common exceptions. If you live in a flood zone or an area prone to earthquakes, you’ll need separate coverage for those natural disasters.

Is an act of God the same as a force majeure?

The two terms are similar; however, the term force majeure is more commonly used in business and construction contracts. It refers to unforeseeable circumstances that prevent a contract from being fulfilled.

Have questions about your insurance coverage for acts of God? Just reach out, and we’ll be happy to help.

What to Know About Solar Panels

Fri, 22 Jul 2022 13:31:38 GMT

Are you considering a solar panel system for your home? While the most obvious benefit is saving money on electricity, you can also feel good about helping the environment. And, if the electric grid experiences a temporary failure, you can continue to generate electricity from your solar panels.

Of course, there are also a few things to know before deciding on solar panels. Learn about leasing versus buying, maintenance, and how to insure solar panels:

Lease vs. Buy

When you lease solar panels, the upfront cost will be lower. The leasing company may also cover maintenance, repairs and insurance for your solar panel system.

Buying solar panels may increase the value of your home. You may also qualify for the federal solar tax credit, but don’t wait too long — this tax credit is scheduled to end in 2024.

Benefits

Decrease or eliminate electric bills
Earn federal, state and local tax credits and rebates
Potentially increase your home’s value
Not dependent on the electric grid

Maintenance

Solar panel systems are low-maintenance. You do have to give them a light cleaning every so often to prevent leaves and dirt from blocking the sun’s rays.

Insurance Coverage

Are solar panels covered under a homeowners policy? Solar panels are generally considered a permanent part of your property, so most homeowners insurance policies include solar panel coverage.
Do you need to adjust claim limits or add a separate policy? Check your policy to see if solar panels are already covered. If so, you don’t need a separate policy. You may want to adjust claim limits if you don’t have enough coverage to pay for repairs or replacement of the solar panels.
What about leased solar panels? Ask the leasing company if they have their own insurance or want you to insure the panels.

Have questions about your insurance coverage for solar panels? Just reach out and we’ll be happy to help.

6 Motorcycle Safety Tips for All

Fri, 08 Jul 2022 18:53:47 GMT

Motorcycles can be a blast, but unfortunately, there’s rarely a “minor accident” for a motorcycle rider. And with the summer season comes more bikes on the road. Whether you’re a rider yourself or know someone with a bike, we’ve got a few tips for riders and drivers to help prevent accidents:

For motorcyclists:

Make sure you’re prepared for a safe ride and look out for yourself on the road.

Attend a safety course. Learn something new or refresh your knowledge. Motorcycle safety courses cover things like what to do in tricky situations so you’re prepared with skills and good judgment.

Wear proper gear. Whether it’s state law or not, you should always wear a DOT-approved helmet. Other essential protective gear includes goggles (if your helmet is open-faced), a leather jacket, leather pants or chaps, boots and nonslip gloves.

Err on the side of caution. Don’t rely on your mirror at intersections and when changing lanes. Turn and look over your shoulder first. And always be on the lookout for gravel or other hazards.

For motorists:

Share the road with motorcyclists to help ensure everyone gets home safe.

Always double-check for motorcycles. A motorcycle is smaller than your vehicle, so it’s harder to spot when merging or changing lanes. Always double-check your blind spot. And when you’re making a turn, always look twice for approaching motorcycles.

Leave extra space on the road. Stay in your lane at all times — never try to share a lane with a motorcycle. Give them extra room when passing and maintain a safe following distance.

Use your turn signal. Always signal your intention to turn or switch lanes when there’s a motorcycle behind you, just as you would for another vehicle. Also pay attention to motorcyclists’ signals and slow down, leaving extra room between you and the bike.

Have questions about your car or motorcycle insurance policy? Just reach out and we’ll be happy to help.

Why It's Important to Do a Home Inventory

Fri, 24 Jun 2022 18:48:47 GMT

Have you ever had to make a claim on your home insurance? If your home sustains damage or theft, you will probably already feel stressed when you file a claim with your home insurance company.

While it’s natural to feel overwhelmed when dealing with a major home problem, you can do something now to make the claim process go more smoothly. Learn why a home inventory is important and how to make your own.

What is a home inventory?

A home inventory is simply a list of your possessions along with the estimated or appraised value of each item.

Why is it important?

Creating a home inventory now, before you find yourself needing to file a claim, will make the process easier. When we’re overwhelmed or stressed, it can be hard to think clearly.

To make a claim, you’ll need documentation stating the value of each item you lost. This can be hard to do without an itemized list. Making a home inventory now will help your future self and ensure the success of your home insurance claim.

How to inventory your home:

Go room by room. Breaking the list down by room should feel easier and help you stay organized. Working within categories like furniture, jewelry, antiques or art, list your belongings in each room.

Keep receipts. When you make a large purchase, such as a couch or electronic device, save the receipt to document the value.

Prioritize the most expensive items. Begin with your most valuable possessions, as these will be the most important to replace after a fire, burglary or other damage.

Do your best to estimate. Sometimes it will be easy to determine an object’s value, such as having a piece of jewelry appraised, while other times, you just have to make your best guess. Don’t sweat it too much.

How often to update your inventory:

Keeping your home inventory updated will make it more accurate if the time comes when you need to file a claim. You can do this as often as it makes sense: quarterly, annually or just when you make a new purchase.

Creating a home inventory can also make you wonder if you have enough or the right home insurance coverage. Have questions about your insurance policy? Just reach out, and we’ll be happy to help.

What happens if your car is totaled?

Fri, 10 Jun 2022 11:11:46 GMT

Are you prepared to deal with a total loss of your vehicle?

Hopefully, if you ever end up in an accident, no one gets hurt and your vehicle can be easily repaired. However, sometimes the cost to repair your car is more than its market value. In this case, your vehicle is a total loss.

A total loss can also occur when the difference between a repair estimate and the car’s value is too close. Learn what it means if your car is totaled and what happens next:

What does a “total loss” even mean?

Your vehicle is considered a total loss if it isn't repairable or the repairs cost more than what the vehicle is worth. There are a variety of factors that go into the total loss decision. For example, the older your car is and the more miles it has, the less its market value will be. And digital technology in newer cars can also make repairs more difficult and expensive.

What type of insurance coverage covers a totaled car?

These two types of insurance policies will pay out your car’s Actual Cash Value (ACV) if it’s totaled.

Comprehensive Coverage: Covers damage or total loss caused by something other than a collision with another vehicle such as fire, fallen trees, etc.

Collision Coverage: Covers damage or total loss caused by an accident with another car.

What if you have a lien on the vehicle?

If you are still paying off a loan on your car, the insurance company will pay that lien first and then send any remaining money to you. If you owe more for your vehicle than its ACV, you’ll have to pay the difference unless you have gap insurance. (Gap coverage pays the difference between your vehicle’s ACV and its lien when the car is totaled.)

What should you do if you think your car has been totaled?

File a claim, and an adjuster will assess the damage or review your repair shop estimate. Once market value is determined, you will either be offered a payout to repair the car or notified that your vehicle is a total loss. When you accept the total loss settlement, you have to sign your vehicle over to the insurance company.

Have questions about your insurance coverage? Just reach out. We’re happy to help.

Can home insurance help with repairs?

Fri, 20 May 2022 11:05:45 GMT

Are you financially prepared for a big home repair? Maintaining a home can be expensive, especially if it’s an older build or if something goes wrong with a major system.

If you’re wondering whether your homeowners insurance policy can help you with the cost of maintenance and repairs, the answer is that it depends. Keep reading to learn about the types of damage home insurance does and doesn’t cover, as well as the optional home repair coverage you can add.

What types of damage does home insurance cover?

Check your homeowners insurance policy to see what types of losses are covered. If a covered loss does occur, your insurer would generally pay for the cost of repairing the damage. Examples of covered losses include:

Fire or smoke
Wind, hail or snowstorms
Explosion
Frozen pipes
Vandalism

What kinds of home repairs are usually not covered by insurance?

When it comes to routine maintenance that stems from normal wear and tear, you will typically need to pay for the repairs yourself. This includes replacing old or broken appliances. Examples of common repairs that aren’t covered by insurance include:

Caulking windows and doors
Repainting
Replacing doorknobs
Interior and exterior painting
New carpeting
Gutter cleaning
Dryer vent cleaning

What is home repair insurance?

If you’d like to have additional protection against the cost of repairing major home systems and appliances, home repair insurance could be a good option.

Home repair insurance is an optional type of coverage that provides a certain dollar amount for repairing or replacing things like:

Mechanical items such as ceiling fans
Indoor plumbing systems
Most appliances
Electrical systems
HVAC systems and furnaces

Have questions about your insurance coverage? Reach out anytime.

Tips for Selling or Trading in Your Car

Fri, 06 May 2022 04:31:34 GMT

Whether you’re selling your car to a private buyer or trading it in, you want to recoup as much money as possible. But how do you know you’re getting the best deal?

As with buying a car, preparation is everything. The more you know about the process and the market value of your vehicle, the more confident you’ll feel going into it. Confidence and knowledge usually lead to a more successful outcome.

Keep reading to learn how to research your car’s value, prepare it for sale or trade-in and end up with a satisfying deal.

Things You Should Do for Either Type of Sale:

Know the market: What price point are similar vehicles selling for? Kelley Blue Book is a reliable source for estimating your car’s value. You can also browse listings on Craigslist, Autotrader and Facebook Marketplace to get a sense of the market.
Is your make and model in demand? Current listings will show you whether there is already plenty of inventory for similar vehicles to yours. If not, you may be able to command a premium if your type of car is in demand.
Make sure your car is clean and presentable. If you want to get the best possible price for your vehicle, you should make it look as attractive as possible.

Tips to Prepare for Private Sale:

Check the rules for a private sale in your state.
Take quality photos of the interior and exterior.
Write an honest description of your vehicle’s condition and options.
Show your car and allow test drives with safety in mind. Meet in a safe area and bring someone else with you.
Gather the relevant paperwork such as your car title and service records.
Accept only trusted forms of payment such as cashier’s checks or P2P payment apps.

Tips to Prepare for Trading In:

Consider fixing mechanical problems beforehand or they will reduce your car’s trade-in value.
Shop around for the best value. Get offers in writing from several different types of dealerships.
Negotiate the trade-in amount in a separate transaction. This will prevent the dealer from tying the purchase price of your new vehicle to the trade-in value of your current one.

Have questions about your insurance coverage? Just reach out. We’re happy to help.

7 Ways to Make Your Home Safer

Fri, 22 Apr 2022 04:26:44 GMT

Hopefully you enjoy your home, but the most important thing is that your home is safe. From accidents to mechanical issues, there are a number of hazards that can occur around the house. But most issues can be addressed with some planning and regular maintenance.

Want to make sure you’re doing everything possible to keep you and your family safe? Here are a few ways to prevent hazards at home:

1. Purchase a sturdy step stool.

When you need to get something from a higher cabinet or shelf, use a good quality step stool instead of a chair to reduce your risk of falling.

2. Make sure your wiring is up to code.

Have a licensed electrician inspect your home’s wiring, especially if you live in an older home, to prevent accidental fires. You should also have GFCI outlets in your kitchen and bathroom.

3. Follow best practices for fire extinguishers.

Check the pressure level and replace fire extinguishers every 12 years.

4. Clean your dryer vent.

Schedule professional cleanings once or twice a year, and clear the lint filter yourself between loads.

5. Use nonskid mats and rugs.

Nonslip mats are great for the bathroom. For area rugs in the rest of the house, use nonskid mats underneath.

6. Lower your water heater.

Set the temperature to about 120° F to prevent scalding.

7. Kid- or pet-proof as needed.

Make sure cleaning solutions, medication and vitamins are stored in a safe area.

Have questions about your insurance coverage? Just reach out and we’ll be happy to help.

4 Tasks to Keep Your Car in Good Condition

Fri, 08 Apr 2022 18:57:32 GMT

With car inventory at a low point, keeping your vehicle running is especially important. Regular maintenance goes a long way to extending the lifespan of your car. While some jobs are best left to the professionals, there are some things you can do at home to save on maintenance bills and keep your car ready for the road.

Change the wiper blades. Windshield wiper blades should be replaced once to twice per year. Your car’s manual or a quick online search will give you simple instructions for removing and replacing the blades for your specific vehicle model.
Replace the air filter. Mileage and the types of environments you drive in typically dictate when it is time to replace your car’s air filter. A quick look under the hood will allow you to swap out the old filter for a new one.
Touch up chipped paint. Small paint chips happen to most cars. If left alone, the chips can lead to rusting. Rather than paying for a paint job, car owners can buy car touch-up paint and brushes for an at-home job.
Deep clean the interior. Keeping your car clean can increase its value if you ever decide to sell it. You can vacuum the interior, use a toothbrush to clean out all of the small crevices and wash your floor mats outside with your garden hose.

You can do a lot for your car at home, but don’t assume you can do everything. If you suspect your car needs repairs or maintenance on components like the brakes or the suspension, it is best to talk to a professional mechanic.

You invest the time and money into maintaining your car to ensure it lasts for as long as possible. It is important to protect that investment with auto insurance. Get in touch to talk about what kind of coverage makes the most sense for you.

5 Home Maintenance Tasks to Do for Spring

Fri, 25 Mar 2022 18:53:14 GMT

With spring on the way, it’s time to think about protecting and maintaining your most valuable investment: your home.

It’s a good idea to give your house a thorough cleaning and inspection inside and out, both to refresh your space and to spot any potential problems.

Ready to get started? Be sure to add these five basic maintenance tasks to your spring checklist.

Examine Your Roof

Winter weather can take its toll on your roof. First, check for loose or damaged shingles, animal nests, loose metal strips, cracked caulking, signs of fungus or algae, and damage to the chimney exterior. Address smaller issues now before they turn into big problems later, and be sure to hire a professional if you’re not comfortable with ladders and heights.

Clear Out the Gutters

Again, this could be a DIY project depending on your skill level, or you could hire a professional cleaning service. Remove all debris from your gutters, then check for leaks. Finish by power-washing to clear out any remaining dirt.

Check for Cracks in the Foundation

Unfortunately, routine caulking isn’t always enough to prevent masonry cracks in your foundation. Hire a specialist for epoxy injection that will chemically bond the cracks.

Reseal Windows as Needed

A leaky window is bad for your energy bills. If the weatherstripping has been compromised or the caulk is cracked, make any needed repairs.

Get an HVAC Inspection

Along with changing the filters regularly, have a professional come out for a tuneup every year.

Spring is also a good time to check your homeowners insurance to make sure you have enough coverage. Reach out today if you have questions about your policy.

5 Tips to Help You Save Money on Gas

Fri, 11 Mar 2022 23:47:05 GMT

Owning a car comes with ongoing expenses, but if you’re strategic, you can find ways to save here and there.

Keeping up with maintenance is one way to avoid expensive repairs, and defensive driving can help you avoid wrecks.

When it comes to the necessary (and often painful) experience of filling up your gas tank, there are ways to save here, too.

Look over these money-saving tips if you’re looking to keep your fuel costs as reasonable as possible.

Take advantage of rewards programs. Gas rewards and loyalty programs allow you to earn points that can add up to free gas and other perks, and these programs are free to join. When picking one out, think about which gas station you use most often.
Check for cash-back options. Take a look at your credit card’s rewards. Does your card have cash-back rewards for filling up on gas? If not, you could research other cards and consider applying for one that does.
Try out carpooling. If you usually drive to and from work every day, talk to your coworkers. Does anyone have a similar commute? Could you take turns driving? If you are ferrying your kids to and from school and activities, talk to the other parents. You might be able to organize a carpooling schedule.
Plan your routes. With smartphones, it’s easy to plan your trips before you start driving. Select the most efficient ways to cut down on mileage and the number of times you’ll need to fill up.
Bundle your home and auto insurance. Bundling your home and car insurance won’t make gas any less expensive, but it can potentially lower the amount you spend on car insurance. A lower car insurance rate can help to offset the steep price of gas.

Do you have any questions about your insurance options? Reach out to make sure you have the coverage you need.

3 Home Renovations to Consider This Year

Fri, 25 Feb 2022 23:42:03 GMT

Have you been thinking about taking on a home renovation project?

Whether you want to boost your home’s value, make it more comfortable or find peace of mind with safety and security upgrades, now is a good time to get started.

Here are a few popular home renovations for 2022. Which ones are at the top of your list?

Fresh Colors

If you want to make a noticeable change without tearing down any walls or spending too much time or money, refreshing your home with paint could be the answer. Check out the major paint companies’ colors of the year for inspiration and consider painting an accent wall, your kitchen cabinets or your home office.

New Windows

New windows can give your home a facelift, reduce the noise from outside and make your room brighter. On a more practical note, they can also help keep the cold and heat out and reduce your energy bills.

Need a more affordable alternative to completely replacing your windows? Energy-efficient window coverings can add to your long-term savings and comfort.

Safety Features

Now more than ever, many homeowners are focused on feeling safe and comfortable at home. Weather-resistant upgrades or new roofing could help you protect your property from the elements, while innovations in smart technology can make your home more secure.

Note: Some of these upgrades can also lead to homeowners insurance discounts.

Even if you don’t have plans to renovate or improve your home this year, reach out anytime to make sure you have enough property coverage in place.

How Umbrella Insurance Can Protect You

Fri, 11 Feb 2022 12:59:59 GMT

Your auto and home or renters insurance is there to protect you in the event of an accident — but are you sure you have enough liability coverage?

Adding an umbrella policy, which goes above and beyond existing policies, could be a smart decision.

Learn more about an umbrella policy, including examples of when you might need one and how to get started.

What is umbrella insurance?

Umbrella insurance provides extra liability protection on top of what your automobile, homeowners or renters policy covers.

For example, if someone sues you for a covered event and the loss exceeds your policy’s liability limit, your umbrella policy can cover those extra expenses.

What does umbrella insurance cover?

Here’s another example: You’re driving home when a cyclist swerves out of the bike lane — and you can’t react fast enough to avoid hitting them.

The cyclist sustains injuries and sues for medical expenses and lost wages. Unfortunately, your auto insurance policy maxes out in liability coverage, and the cyclist is seeking payment. Fortunately, you have an umbrella policy, so you don’t have to worry.

Not only will an umbrella policy help in a situation like this, you’ll have the same benefits if someone is injured while visiting your home.

Who needs umbrella insurance?

Umbrella insurance can be a valuable tool if you have assets to protect.

It can also provide quite a bit of coverage relative to the price, because you may need to carry the maximum liability coverage available for your auto, homeowners or renters policy before you can purchase an umbrella policy.

Get in touch today to discuss adding an umbrella policy or anything else.

3 Trends in Car-Buying You Need to Know

Fri, 21 Jan 2022 13:02:47 GMT

Let's face it: Buying a car has never been easy.

If you're looking for a better way to shop for a new vehicle, you'll want to learn about recent trends in car-buying that may be changing the market for good.

Here's what to know about today's hot car market and what these changes can mean for your auto insurance policy.

3 Car-Buying Trends to Know

1. There's a chip shortage.

Computer chips, wiring harnesses, plastics and glass are in short supply — and some experts expect this shortage to continue through 2022. Prices may continue to be high because of the reduced supply in new vehicles.

2. Used cars are in high demand.

With fewer new cars available, used vehicles are becoming more popular. Prepare for a competitive market: You may have to search longer, pay more and make faster buying decisions compared to a couple years ago. If you have good credit, low-rate financing can help alleviate sticker shock.

3. It may be easier to buy a car online.

Online car sellers can spare you a trip to a dealership. Car vendors are increasingly offering to let you view detailed photos, make a purchase and fill out car-buying paperwork online. Some sellers even offer fixed prices, so there's no stressful negotiation process or uncertainty about what you'll pay. You may even be able to have your new car delivered to your home.

What does this mean for your auto insurance?

Since most cars are more expensive now, there's a possibility that your premiums could be a bit higher. Also, if you buy a car and already have auto insurance, you’ll have a short grace period to add your new vehicle to your policy.

Reach out anytime to update your coverage, ask questions about your insurance or discuss anything else.

What Basic Homeowners Insurance Covers

Fri, 07 Jan 2022 20:24:27 GMT

Do you know what’s covered by your homeowners policy? Or that you can purchase additional coverage for more protection?

Even if your current policy meets your needs, it’s always a good idea to learn about your options, especially as we start a new year.

Here’s what you should know about standard homeowners insurance (and when you might need to supplement it).

What does standard homeowners insurance cover?

Structure of the Home: If a tree falls onto your property, for example, your policy may cover the damage.
Personal Belongings: Also known as contents coverage, your policy may help replace items (such as furniture) after a loss.
Liability Coverage: If someone slips on your porch and hurts themselves, your policy may protect you financially.
Additional Living Expenses: If extensive damage keeps you from living in your home, your policy can help you afford short-term housing during repairs.

If you’d like a more detailed list of what’s covered by your policy, reach out anytime.

Do you need additional coverage?

Every home is different, which is why it’s important to carefully review your options to make sure you’re considering your property’s unique needs.

Your policy may not cover:

Flooding: You’ll need a separate policy for flood insurance.
Property Wear and Tear: Protect your home by completing regular maintenance, because a poorly maintained structure may not be covered by your policy.
Jewelry: You can purchase a rider to cover valuable pieces like wedding rings or family heirlooms.
Collectibles: Do you have valuables or vintage items? Ask about special coverage.

While typical homeowners insurance offers many benefits, additional coverage can help give you and your family more peace of mind.

Do you have any questions? Or are you ready to check in about your 2022 coverage needs? Get in touch today.

Year-Round HVAC Upkeep Tips to Know

Fri, 10 Dec 2021 01:23:21 GMT

Does your policy cover your HVAC system? Your insurance may only cover damage due to unexpected hazards, not normal wear and tear. That means it's up to you to keep your system in good shape.

Regular maintenance can keep your unit running safely and smoothly and save you the cost of a repair bill. Learn which HVAC tasks you can do yourself and when you might want to call in a professional.

And if you want to know more about your coverage (or what you can add on), reach out anytime.

The Benefits of Maintaining Your HVAC System

Routine inspections can identify minor problems before they become more significant issues. For example, if your air conditioning system is low on refrigerant, it's better to find out you have a slow leak and get it fixed before the system fails on a warm day.

Maintenance Tasks You Can Do Yourself

Check your air filters and replace them as needed. Dust buildup can cause increased energy usage, a shorter equipment life span and more frequent breakdowns due to poor airflow and overheating.

Filters usually need to be replaced every one to three months, depending on the filter quality, your home's air quality and how often you run your system.

When to Call in a Pro

It's best to have your system professionally serviced at least once a year. An expert has the tools and experience to test and maintain your unit for safety.

Plus, a pro can access systems in challenging locations like a cramped attic and perform tasks such as:

looking for leaks, cracks and corrosion
cleaning dust, dirt and debris
lubricating moving parts
checking electrical connections
calibrating the thermostat

If you know someone who may need a friendly reminder to get their HVAC system serviced, feel free to share this newsletter with them.

We're always here to help if you have questions about protecting your property or vehicle.

4 Easy Solutions for a Cluttered Space

Tue, 09 Nov 2021 00:49:13 GMT

Have you been meaning to give your space a deep clean? Do you want to get more organized before the holidays? It might be time to declutter.

And cleaning up around the house doesn’t have to be an overwhelming project. You can take your time going room by room to purge and put away all your belongings slowly.

Not sure where to start? Follow this guide to decluttering your home.

Start Small

First, remember to take it one step at a time.

Set a timer for 30 minutes, then focus on one area of your home. Maybe you’ve been meaning to clean up your entryway or reorganize your closet. Work only in your chosen space instead of trying to tackle your whole house at once.

Sort and Label

Once you’ve picked your area, sort your items into three piles:

Keep what you need, such as important documents and sentimental items
Donate what you don’t use, including clothing and furniture
Toss or repurpose broken and torn items

Get Organized

After you’ve made your donation pile, it’s time to organize what’s left behind. This could require new shelving or storage baskets. The important thing is that you’re able to find your belongings (and keep them organized) more easily from now on.

Clean Up

Nothing feels better than a newly decluttered home. Sweep or vacuum the floor, clean surfaces and organize as you go through each room.

A decluttered home is more comfortable and may be easier to maintain. After tending to your space, you might also work on updating your home inventory list.

Have questions about your insurance policy or anything else? Reach out today.

How to Protect Your Car from a Break-In

Fri, 05 Nov 2021 02:17:22 GMT

Unfortunately, car break-ins happen, but you can take steps to minimize your risk and keep your vehicle and belongings safe.

By taking a few minutes to review these tips now, you could avoid the hassle of repairing (or replacing) your car later.

Here are 10 smart ways to keep your vehicle safe from theft.

Don’t Make a Break-In Easy

Lock your car and never leave it running unattended, even if you’re just heading inside your home for a minute.
Close your windows and sunroof when you’re not in the car.
Take your key fob with you, and don’t leave a spare house or car key hidden in your vehicle.

Plan Ahead (Even in Your Neighborhood)

Stow valuables in your trunk.
Avoid driving or parking in high-crime areas. If you’re driving to an unfamiliar destination, research your route ahead of time.
Seek out well-lit parking spots, garages and lots. And if you park in your driveway at night, consider installing a motion-sensor light.

Hide What’s Important

Don’t leave anything a thief might want, including spare change, shopping bags or other personal belongings.
Take your garage door opener, wallet, purse, phone and keys out of your car. If necessary, hide your items — but not in an obvious place like the center console.
Keep your vehicle title in the house and your registration in your wallet.

What to Do After a Crime

If you’re the victim of a vehicle break-in or theft, take photos of the damage, file a police report, and reach out for help filing an insurance claim.

We can also help you be more proactive. Get in touch to learn about additional coverage for your vehicle or home.

5 Essentials for a Home Emergency Kit

Sat, 23 Oct 2021 02:23:32 GMT

If you ever needed to evacuate or shelter in place, would you be prepared?

You can't always predict things like severe weather or power outages. But you can prepare for the unexpected by packing a home emergency kit for you and your family.

Review this list of must-have items, then get in touch to make sure your home has enough coverage to bring you peace of mind.

First-Aid Kit: In addition to bandages, gauze, antiseptic and petroleum jelly, keep an extra supply of pain relievers, stomach soothers and prescription medications for all the people and pets in your home.
Radio: A battery-powered or hand-crank radio (preferably with charging capability) may be good options. A radio may be the best way to get local news in an emergency that affects cellular and internet services.
Lights: A flashlight will do, but a headlamp or lantern can also be helpful. Make sure to have extra batteries and backup lights, such as candles and lighters or waterproof matches.
Water and Nonperishable Food: Pack at least three days' worth of water and nonperishable goods. Protein bars are compact and may provide you with more energy. And don't forget about food and water for your pets.
Miscellaneous Items: Cash, personal documents and paper maps might not seem essential now, but they could come in handy. Other nice-to-have items include duct tape, cleaning products and a multitool.

Together, we can make sure you have the right protection for your home and car so your losses are limited in case of unexpected events.

Reach out if you have questions about what's covered in your policy or anything else.

6 Steps to Take after a Car Accident

Sat, 09 Oct 2021 02:14:44 GMT

We never expect to get in a car accident. And even though accidents are common, they feel like a big deal when they happen to us.

It’s natural to experience shock, anger, fear and other emotions in the moment and after the fact. But, preparing in advance can help make a collision more manageable.

If you're ever involved in a car accident, taking these six steps can help you better handle the experience.

Step 1: Make sure no one is hurt.

Call 911 if you, another driver, any passengers or any bystanders need immediate medical attention.

Step 2: Keep everyone safe.

The accident scene can be a hazard for other drivers. If the collision is minor, move the vehicles to the side of the road or the nearest parking lot. If the accident is major, carefully exit your car and walk to a safe place.

Step 3: Call the police.

Ideally, law enforcement will come to the scene quickly and take an official report. However, the local police department may not have the resources to respond to a minor accident, in which case you can file a police report yourself later.

Step 4: Gather necessary information.

Use your phone's camera or a pen and paper to note the other driver's name, address, phone number and insurance information. Record the other vehicle's license plate, vehicle identification number, make and model.

Step 5: Document the accident.

Take photos, videos and voice recordings to capture vehicle damage, road conditions and any details you remember about the events leading up to the crash.

Step 6: File a claim.

Get in touch as soon as possible to get your claim started. We can work to get your car repaired or replaced and minimize the disruption to your life.

Reach out if you have questions about your accident coverage or anything else.

Get to Know 3 Home Security Innovations

Fri, 24 Sep 2021 02:35:22 GMT

Do you ever leave your home and second-guess if you locked the front door? When you're in a rush, security isn't always the first thing on your mind.

We all want to protect our homes and our valuables from a break-in. And you may already have a home security system, but do you know about the latest technology that could make your property more secure and easier to manage?

Here's a look at three recent innovations in home security.

Secure Home Access: Now, you can unlock your front door with your fingerprint. Smart locks aren't inherently more secure than regular locks. But if you often forget to lock up, a smart lock's programming and accessibility through your smartphone can help you keep your home more secure (and you don't have to worry about anyone guessing your PIN).
Compatible Smart Home Devices: If you find it annoying to have one app to control your thermostat, another for your light timers, and another for your alarm system, know that improvements are on the way. A project called Matter, set to launch before the end of this year, should allow consumers to operate more devices using a single system.
Intruder-Sensitive Cameras: Some outdoor security cameras can tell the difference between someone who is just going for a walk down your street or delivering a package and someone who is hanging around for too long. The camera can sound a warning tone to scare off potential criminals and send a lurker alert to your phone.

A home security system could make you eligible for a property insurance discount, too. Get in touch today to discuss your policy or anything else.

4 Times to Lean on your Emergency Savings

Fri, 10 Sep 2021 02:28:19 GMT

Even a perfectly planned budget can be thrown off track by a surprise expense. That's why you've carefully set aside savings in your emergency fund.

But what kind of situation can warrant dipping into that fund? Since you've dedicated that money to emergencies, you owe it to yourself to make sure you spend it wisely.

From unexpected car repairs to home maintenance, here's when you should use your savings.

Job Loss

If you unexpectedly lose your job, you still need to pay the bills. Your emergency fund provides you a cushion to keep up with your expenses as you decide what's next for your career.

Car Issues

What happens if your car breaks down? First, you'll need to pay your car insurance deductible and figure out any additional expenses related to repairs and a rental. Then, your savings can keep you on the road while your vehicle is in the shop.

Home Damage

Storm or flooding destruction to your home may require repairs as soon as possible. Your emergency fund is there to cover your home insurance deductible and any additional expenses related to the damage.

Where Not to Spend Your Emergency Fund

Remember: Not every unexpected expense counts as an emergency. For example, if you have the opportunity to go on an exciting trip or decide you want to upgrade your phone to a new model, it probably doesn't make sense to pay for those purchases from your emergency fund.

In addition to your savings, you have insurance to help protect your belongings and your financial security.

Get in touch to talk about your car and home coverage. Together, we can discuss your benefits and any potential updates.

5 Common Car Insurance Myths and Facts

Fri, 20 Aug 2021 12:57:47 GMT

Maybe you’ve heard that people who drive red cars get pulled over more, so insurers charge them higher rates. Or that if you let someone else drive your car, their policy will cover an accident.

Well, when it comes to auto insurance, you shouldn’t always believe what you hear.

Get the facts about common car insurance myths, and reach out to make sure you have the coverage you need.

Myth #1: A ticket automatically increases your rate.

A moving violation doesn't have to increase your insurance rate unless it's a frequent occurrence. You may be able to take a driving course to maintain your rate and even pay less for your ticket.

Myth #2: Car color affects your insurance rate.

The truth is that the color of your vehicle most likely doesn’t affect your premiums. However, there are special cases where color can raise the value of your car — like a custom paint job — which could potentially increase your rates.

Myth #3: Older cars need less coverage.

If you don't have a loan on your car, you may not have to carry comprehensive and collision coverage, only the liability coverage required by the state. But you may not want to drop or lower your optional coverage if your car still has significant value, as it would be pricey to repair or replace.

Myth #4: Someone borrowing your vehicle is covered by their own insurance.

Laws vary by state, but usually the insurance covers the vehicle. Before you drive someone else's car, verify that it's insured. Don't assume that your own policy will cover an accident.

Myth #5: You only need the auto liability insurance that's required by law.

It's smart to buy more than the minimum, because personal liability for an at-fault auto accident can be expensive. Adding a personal umbrella policy for additional coverage can be a wise decision, especially when you have assets to protect.

Get in touch today with any questions you have about your policy.

Home Upgrades That Can Affect Your Rates

Fri, 06 Aug 2021 12:51:51 GMT

Renovating your property has some serious perks, such as creating more space or updating your amenities.

Some upgrades, such as a new roof or security system, can even reduce home insurance costs. While others — like a pool — can have the opposite effect.

Before you take on your next home improvement project, here’s what you should know about how renovations might change your premiums.

Swimming Pool: Pools generally fall under “other structures” in your homeowners policy. But you may need to purchase additional liability coverage to manage the increased risks that come with owning a pool.
Home Additions: Maximizing the livable square footage of your home by finishing the basement, adding another bedroom or enclosing your patio might raise your premiums. That’s because you may need to increase your insurance limits to account for the value these changes can add.
Roof Renovation: When you get a new roof, your premiums may go down simply because your roof is new. Also, you may be eligible for a premium discount if you install an impact-resistant roof because they’re less likely to be damaged by high winds and hail.
Security System: A home security system should decrease possible theft and damage losses from a break-in. The discount you may receive on your homeowners insurance premiums can help offset the new system’s cost.
Plumbing and Electrical: Replacing old plumbing and electrical systems can make your home safer and make you less likely to file a claim. As a result, your insurance premiums may go down slightly. Having a professional install a home generator that keeps your electricity on during an area-wide outage could also qualify you for a discount.

Curious about which changes to your home could increase or decrease your premiums? Get in touch with questions or to talk about your policy.

How to Avoid 3 Summer Driving Mistakes

Fri, 23 Jul 2021 15:31:56 GMT

Summer is the perfect time for a road trip. Whether you’re getting away to the nearest lake or crossing state lines to visit friends or family, you want to get there safely.

Here’s a quick refresher on how you can prevent common driving mistakes and make sure you have a smoother trip.

3 Mistakes to Avoid

1. Not inspecting your tires.

If you drive a newer car, the instrument panel might notify you when your tires need air. If not, use a tire pressure gauge to check. Low pressure plus hot weather can cause a blowout, especially under the added weight of luggage and passengers.

Equally important, check your tires’ tread depth. Worn tires make it harder to brake, especially on wet roads. Better yet, ask your mechanic to make sure your car is in top shape before you leave.

2. Forgetting to pack a car emergency kit.

Even with a recently tuned-up vehicle, things can happen that may leave you stuck on the road longer than you planned. A car emergency kit can help you handle these incidents with less stress. Include plenty of food and cold water for people and pets, plus items like jumper cables, a functional spare tire and a working flashlight.

3. Skipping a traffic check before you head out.

An app like Google Maps can tell you if there’s a major traffic jam in your way. Be prepared to plan an alternate route or adjust your schedule if necessary. After all, no one likes getting stuck in bad road conditions

Another common driving mistake is not having enough insurance coverage. Before you hit the road, reach out to make sure you’re fully protected.

How to Protect Your High-value Items

Fri, 09 Jul 2021 15:24:14 GMT

You've probably thought about what would happen to your home in the event of a disaster, but have you considered your personal belongings?

Fortunately, whether you're a homeowner or a renter, your insurance policy has you covered. The question is whether your current personal property coverage is enough.

If your possessions have multiplied over the years — or if you own special, high-value items — you may need additional protection.

What’s personal property coverage?

Personal property coverage, or contents coverage, protects your belongings, including furniture, clothing, jewelry, appliances, electronics and art. It insures the stuff that’s not part of your home’s structure (or permanently attached to it) against theft and accidental physical damage or destruction.

Personal property coverage also protects your belongings when you’re traveling or doing things around town.

How much coverage do you have?

Every policy will be different. For home insurance, your personal property limit is usually 70% of the insured dwelling value. In some cases, it can be more or less depending on your home.

If you rent your property or if you own a condo, it’s easier to tell how much coverage you have because your policy doesn’t cover the building. (The landlord’s or condo association’s policy covers that.)

Check your policy’s declarations page or get in touch if you’re unsure about your current coverage.

Should you increase your personal property coverage?

You may want to purchase extra personal property insurance through a rider or scheduled coverage if you own the following items:

Valuable jewelry
Expensive electronics or musical instruments
High-value art or collectibles
Home gym equipment
Medical devices

Are you wondering whether something you own is valuable enough to warrant additional coverage? Reach out anytime.

7 Simple Ways You Can Cut Costs at Home

Fri, 25 Jun 2021 23:08:24 GMT

Are you looking for ways to save more money?

You’re not the only one. Luckily, you can do a few simple things to cut costs — especially when it comes to your home.

Give these ideas a try and let us know if you have any other clever, budget-friendly tips that have worked for you.

1. Get your kitchen in order. Plan out meals in advance and shop accordingly. To cut down on waste, don’t buy ingredients you don’t need, learn the truth about expiration dates, and compost your food scraps.

2. Conserve energy. In addition to turning off the lights when you leave a room and using cold water to wash your clothes, focus on energy efficiency when buying new appliances and make sure your home is well-insulated.

3. Set maintenance reminders. Adding a recurring event like “change the air filters” or “check the roof and gutters” to your phone or Google calendar can help you keep your home in good shape and avoid expensive repairs.

4. Try online marketplaces. Hop on Facebook Marketplace or Nextdoor to scour local deals for used items and sell or donate things you aren’t using.

5. Try out DIY projects. Small do-it-yourself projects can add up. For example, patching a hole in your kid’s jeans is much cheaper than buying a replacement pair, and planting an herb garden can save you a few dollars at the store each month.

6. Wait before you buy. Wait a few days before making an impulse purchase. Reevaluate whether or not you really want or need it and check for upcoming deals or sales.

7. Review your insurance rates. Take a look at your vehicle and home insurance policies and make sure you have the right coverage. Sometimes life changes can lead to a lower premium.

Do you have any questions about your coverage or anything else? Reach out anytime.

5 Common Car Noises and What They Mean

Fri, 11 Jun 2021 22:48:11 GMT

Your dashboard is filled with icons and alerts that can tell you when your vehicle needs attention. Some of these notifications are more serious than others, but it’s a good idea to know what they all mean.

But your dashboard isn’t the only way to tell if something is wrong. Sometimes you need to rely on your senses, which is why it’s also important to listen to the sounds your vehicle makes.

Have you noticed any clunking, grinding or high-pitched squealing lately? Here’s what some of these odd noises might mean.

Squealing when you start the car. A high-pitched squealing noise that happens when you start your car could indicate a worn serpentine belt.
Grinding when you brake. A grinding noise when you brake typically means that your car’s brakes need to be serviced or replaced.
Humming when you accelerate. A humming noise when you step on the gas could point to a wheel bearing issue. This kind of noise may also be related to the engine.
Clicking when you turn. If you hear a clicking or maybe a popping noise when you make a turn, parts on your car’s front axle may need to be replaced.
Clunking while you drive. A clunking noise coming from underneath your car as you drive could be caused by a few different things: an issue with the suspension system, shock absorbers or the rods and pistons.

Ask Your Mechanic

These warning noises may help you diagnose the problem, but this list is by no means comprehensive. If you hear something unusual, always ask a trusted mechanic as soon as possible. Ignoring a strange sound can mean more expensive repairs down the road.

Have questions about your coverage? Reach out anytime.

6 Ways to Refresh Your Outdoor Space

Fri, 21 May 2021 14:05:03 GMT

Are you ready to spend more time outside? As the weather warms up, you can shift your eye to home improvements for your outdoor space.

A welcoming area can be the perfect place to relax during spring and summer days. And not only can upgrades increase your home's value, but they can also inspire you to keep up with regular maintenance.

From entertaining to unique lighting, here are this year's trends in outdoor living.

Lighting: Sunset doesn't mean you have to go inside. Use accent lighting to warm and brighten your outdoor space under the night sky.
Pergolas: Want to add something functional and elegant to your home? A pergola creates a defined space ideal for al fresco dining. You can lounge outside for hours under the shade of this structure.
Relaxation Areas: Does your porch or patio need a refresh? Swings, outdoor couches and potted plants can create inviting outdoor areas for relaxation.
Outdoor Entertaining: A movie projector and weather-resistant speakers can be the perfect way to enjoy warm summer nights.
Gardening: While flowers bring a splash of color to your yard, you may also want to consider more functional projects. Growing herbs and vegetables can be a satisfying hobby, particularly if you like to cook at home.
Year-Round Enjoyment: With all the hard work of getting an outdoor space ready for spring and summer, you may be wondering how you can enjoy the area for longer. Additions like fire pits and outdoor heaters can come in handy when the weather becomes chillier once again.

Want to make sure you have the right protection for your property? Or are you looking for more home improvement inspiration? Get in touch today.

How Moving Can Impact Your Coverage

Fri, 07 May 2021 15:45:41 GMT

Are you prepping for a move? You might be wondering if you should make any changes to your home or auto insurance.

While updating your paperwork might not be your top priority right now, doing so can keep you and your belongings protected during and after your move.

You can start by adding your new address to your policy. Here are some other key things to consider.

Home

Your homeowners insurance premiums will differ when you move, even if you’re staying in the same area. Changes in home size, construction materials, natural hazards and property crime rates all affect policy costs. Reach out about your premium ahead of your move so you can budget accordingly.

Possessions

Consider whether you have enough coverage for all the furniture, electronics and other items you acquired since you purchased your policy. It’s easy to underestimate the value of your stuff.

Also, replacement cost coverage is more valuable than actual cash value coverage and may be worth the upgrade if you don’t have it already.

Are your belongings covered while moving? Consult your policy or get in touch to find out. You may be able to purchase coverage from your movers or add it to your policy if you need it.

Auto

Your auto insurance premiums could also increase or decrease when you move. The risks of driving in your new location and parking at your new home may change because the weather, traffic and crime may be different.

If you’re moving states, premium changes can be more pronounced. One reason is that minimum coverage laws vary by state. Changing location also means you’ll need to re-register your vehicle.

Finally, avoid changing or canceling your current policies too early so you don’t have gaps in your protection.

Do you have questions about your coverage while moving? Get in touch today.

5 Tips for a Great At-home Car Wash

Fri, 23 Apr 2021 13:57:56 GMT

How clean is your car? If you don’t wash it regularly, you could end up with costly maintenance and safety issues.

You might occasionally run your vehicle through a car wash. But there are benefits to doing the job yourself — including preserving the paint and being able to get into every nook and cranny.

Ready to get started? Follow these five tips to wash your car thoroughly and correctly.

Wait for the right weather.

Instead of washing your car on a sunny day, wait for overcast skies or park in a shady area. Direct sunlight can dry the soap too quickly, leaving streaks and spots behind.
Work from top to bottom.

Hose off your car first, and then use a soft sponge to apply auto shampoo. Starting at the top, wash and rinse your vehicle in sections such as the roof and windows, rear, sides and front. When you get to the front, take a rag and wipe down your windshield wipers.
Don’t forget the wheels and undercarriage.

Your wheel wells and bottom framework can collect dirt, grime and debris. Use a scratch-proof brush and a gentle cleaner for these areas.
Dry with a microfiber or chamois cloth.

Letting your car air dry will leave streaks. Seal in the hard work you just did by carefully hand drying the exterior and windows.
Finish with wax.

This extra step gives your vehicle a cleaner finish, protects against the elements and makes it easier to clean next time.

A clean car is a comfortable car, and a well-maintained one retains its value longer. Do you have questions about your auto insurance policy? Reach out anytime.

How to Identify and Prevent Roof Leaks

Fri, 09 Apr 2021 13:06:17 GMT

Whether you’re a homeowner or a renter, a damaged roof can be a precursor to leaks that can affect your walls, ceiling, insulation and belongings.

Roof leaks can even lead to mold growth, which is not only unsightly but harmful to your health.

Here’s what you should know about the signs and causes of a leaking roof — and how to fix any problems.

Causes of Roof Leaks

Your roof employs several materials designed to keep out moisture. Routine wear or sudden damage can prevent your roof from doing its job.
Points of failure include missing or cracked shingles, missing or damaged flashing or vent pipe coverings, and gaps or cracks in caulk or sealant. Faulty window flashings and clogged gutters can also cause water to leak into your home.

Signs of Leaking

Bubbling paint, stained ceilings or walls and mold growth in places that shouldn’t be wet can all signal a roof, window or wall leak. In the attic, wet spots or mold growth on roof decking or insulation can also indicate a leak.

How to Prevent Leaking

To minimize your risk of needing an expensive repair, conduct an annual roof inspection from the ground using binoculars or a camera’s zoom lens, or hire a professional if you can’t get a clear view.
Avoid climbing on your roof — you could damage your property by walking on it. If you’re a renter, report any signs of a possible leak to your landlord immediately.

Changes in weather can impact your property, and water damage is a common issue year-round. Contact us anytime with questions about how and if your homeowners or renters insurance covers leaks.

Life Changes That Affect Your Insurance

Fri, 19 Mar 2021 12:58:22 GMT

Your needs can change as you encounter different milestones. Has your insurance coverage kept up with your life?

If you've experienced a big shift or have something planned for the future, you may need to adjust your policy accordingly.

Want to make sure you have the right protection? Review this list of events to see if you should make updates to your insurance coverage.

New Employment: Are you working from home due to the pandemic? Lost your job or found a new one? Any time your commute changes, you should update the mileage on your car insurance policy.
Change in Marital Status: Have you gotten married or divorced recently? You might need to edit your homeowners insurance if you moved to a new address. And with your auto coverage, you can add your new spouse or remove your ex-spouse as well as their vehicle.
Purchasing Property: Whether you're buying your first home or your next one, you'll need a homeowners policy. And if you're relocating to another city or state, your auto insurance may be affected as well.
Having or Adopting Kids: From babies to new teen drivers, kids can change what you need from your car insurance. Get in touch if you have questions, want to adjust your coverage, or if you're ready to put your teen on your policy.
Reaching Retirement: Winding down from the nine-to-five can bring on some shifts, including how much you drive and whether you're planning to move. Together, we can discuss your next steps and make updates to your coverage.

Life is full of changes. Reach out today to discuss your recent or upcoming milestones.

6 Maintenance Tasks You Shouldn't Delay

Fri, 05 Mar 2021 14:57:06 GMT

The spring season calls for refreshing and maintaining your most lived-in spaces, including your home and car.

Taking care of basic maintenance tasks can also help you avoid dealing with expensive repairs in the future.

In other words, now is the perfect time to make sure your property is in tiptop shape. Here are six essential car and home tasks to have on your radar.

Car Maintenance

First, check your vehicle's service schedule. That way, you'll know when and how often your car needs certain repairs, including:

Oil Change: Check with your mechanic, but most people advise replacing engine oil every 3,000 miles. Delaying this can result in damage to your engine.
Tire Rotation: Like an oil change, see if your tires should be rotated every 3,000 miles to prolong their use and save you money on future replacements.
Worn-Out Parts: Using old wiper blades, engine air filters and brake pads can lead to bigger problems later on. Replace these as needed to avoid damage to your vehicle.

Home Maintenance

Do you want to avoid expensive home repairs in the future? Here's what the experts suggest.

Roof Inspection: Have a pro check leak-prone areas such as the attic, chimneys and skylights to catch a problem before it affects your home's entire roof.
Gutter Cleaning: Clogged gutters can cause water damage to your roof. You can clean out this area yourself or hire someone, depending on the size of your home.
Exterior Paint and Siding: The exterior protects your home from weather and water damage. Touch up cracked paint and issues with siding quickly to avoid the whole area needing to be remodeled.

Do you have questions about your policy? Reach out today.

3 Things to Know about Pothole Damage

Fri, 19 Feb 2021 15:05:28 GMT

Do you know how damaging potholes can be?

Unfortunately, this common road hazard can potentially send your vehicle to the repair shop.

Here’s what to know if you ever find yourself dealing with pothole problems. Plus: Find out how you might be able to avoid them in the first place.

What kind of damage can a bad pothole cause?

Tires: They could sustain internal damage that can’t be patched or repaired. Check your dashboard for the tire pressure light to see if you’re losing air.
Wheels: As with tire damage, a bent or cracked wheel rim may need to be replaced.
Alignment: Does your car seem to pull to the right or left after you hit a pothole? You could be looking at a bent steering or suspension part in your alignment. Get it checked out to be sure.

Thinking of filing a pothole damage claim?

Your policy may cover pothole damage, but such a claim is likely to be considered a single-car accident, which means the fault gets assigned to you. Having an at-fault accident on your record could cause your rates to go up.

Before you file a claim, check your deductible to see if the cost of repair will exceed your out-of-pocket amount. If not, there’s no benefit to filing a claim. Not sure what to do? Reach out to us for help weighing your options.

How can you avoid pothole damage?

Pothole season may be unavoidable, but that doesn’t mean potholes themselves can’t be avoided. Here are a few tips for preventing pothole damage:

Keep your eyes on the road. The best way to avoid hitting a pothole is to see it coming up so you can switch lanes or drive around it.
Use a navigation app with pothole warnings. Waze and other GPS apps now have this feature.
Beware of puddles. It might actually be a pothole full of water, so go around or drive slowly through it.
Mind your speed. The slower you go over a pothole, the less likely you are to sustain damage.

Have questions about pothole damage claims or your policy in general? Reach out today.

Take a Look at 2021's Top Home Trends

Fri, 05 Feb 2021 12:19:05 GMT

It’s no surprise that this year’s top home trends are all about practicality and comfort.

And while you’ve probably already taken steps to improve your space over the last few months, there could be a few more ways to make the most of your property.

Whether you have safety in mind or you’d like some design inspiration, take a look at the most exciting home trends for 2021:

Colors and Moods

Did you see Pantone’s color of the year for 2021? It’s actually two colors: Ultimate Gray and Illuminating (a vibrant yellow) are together described as “a marriage of color conveying a message of strength and hopefulness.”

And speaking of warm and comforting, natural wood is also on the rise. When it comes to design, 2021 is all about mixing traditional and modern for a cozy feel.

Connecting With Nature

Feeling cooped up at home has motivated people to get closer to nature. You can tap into this trend by buying indoor plants, adding earth tones to your living room, freshening up any outdoor space you have, or going big with a brand new deck, porch or landscaping project.

Smart Features for Health and Safety

Smart and wellness-oriented features such as touchless faucets and flushers, motion sensor lighting, bidets and heated floors will continue to be in demand this year.

Distinct Spaces

This trend began a few months ago and will unsurprisingly continue in 2021. Both homeowners and homebuyers want separate rooms for work, Zoom, play, exercise, intergenerational living and more.

Accomplishing this can be as simple as buying room dividers. Or, you can go big and renovate an existing open floor plan or add a new room or wing to your house.

Do you have questions about how a home update will affect your coverage? Just need to check in? Reach out anytime.

Find Out the Benefits of an Annual Insurance Check-In

Fri, 08 Jan 2021 12:29:31 GMT

Do you have the right amount of property coverage?

This question is an important one to ask each year. Life changes and the passage of time can affect the cost of rebuilding your home or replacing your vehicle.

Want to make sure you’d be covered in the case of an unexpected event? Take a quick look at these examples and reach out if you’d like to check in.

Auto Coverage

Say you’ve been driving since you were 16 and have never needed to file a claim. Then, one day you accidentally hit a pole in a parking lot in a moment of distraction.

Even a minor incident like this could end up causing thousands of dollars in damage. If you have collision coverage with a manageable deductible as well as rental car coverage, you’ll most likely end up facing far less financial strain than if you were underinsured.

Homeowners Coverage

Here’s another example: Imagine that an ongoing lumber shortage has increased homebuilding costs by thousands of dollars. If a natural disaster were to severely damage your home, you want to make sure your policy would cover the rebuilding costs no matter what.

Upcoming or Recent Changes

Remember, life events like getting married, moving, gaining or losing income, and when a teen starts driving can all affect your coverage needs and options. Knowing you have the right policy can help bring peace of mind as well as better financial security.

As 2021 gets going, reach out to make sure you’re adequately covered this year.

4 Tips to Improve Your Indoor Air Quality

Thu, 22 Oct 2020 14:44:05 GMT

When was the last time you considered the air quality in your home? It’s easy to forget about something invisible, but like many around-the-house tasks, clearing the air is well worth your effort.

In the interest of health, safety and keeping your home in good shape, here are a few steps you can take to help your family breathe a little easier.

1. Test for radon gas and install carbon monoxide detectors.

You can’t see, taste or smell radon and carbon monoxide, but these indoor gases can be dangerous to your health and safety if left undetected.

Have your home tested for radon when buying or selling a house. The EPA has more information on radon testing.
Purchase carbon monoxide detectors from any hardware store and install at least one on every floor of your home. If you have a garage, it’s a good idea to put a carbon monoxide detector there, too.

2. Run an air purifier to clear allergens and pollutants.

Improve your indoor air quality by filtering out pollen, dust, pet hair and other irritants. If anyone in your household becomes sick with COVID-19, running an air purifier in their quarantine room may provide some protection from floating virus particles. HEPA air purifiers can also help remove smoke particulates during wildfires .

3. Use a dehumidifier.

Is your home prone to dampness? Keep your humidity level under 50% to prevent mold growth. Run a dehumidifier (and clean it regularly) as well as the exhaust fan in your bathroom(s) after every shower.

4. Follow these daily best practices.

In addition to testing and equipment purchases, these simple habits can help maintain your indoor air quality:

Open windows in each room as weather permits.
Run the exhaust fan in your kitchen during and after cooking.
Put doormats inside and outside your main entrance.
Consider a “no shoes” rule for inside.
Vacuum and dust regularly.

Have questions about your coverage or need to check in? Reach out anytime.

How to Take Control Behind the Wheel

Thu, 08 Oct 2020 14:33:56 GMT

What did we do before we had backup cameras?

The driver-assist features found in newer cars and trucks often make driving safer, and most of us rely on them every day. But it’s worth remembering: Technology can’t always perform better than your own quick reflexes.

Find out how to make the most of your vehicle’s safety features without letting them lull you into a false sense of security.

Benefits and Limitations

Here are a few features you may be familiar with (along with their limitations):

Lane departure and change sensors can help you avoid a collision, but they won’t necessarily alert you to ice on the road or a sharp curve ahead.
Adaptive cruise control helps you maintain a safe following distance, but it may not be able to change your speed quickly enough if someone cuts you off.
Safety cameras give you more information while driving, backing up and parking — but you should still keep your eyes on your surroundings.

Smart Habits

Regardless of how smart your car seems to be, don’t let go of these essential habits:

Check your mirrors before backing up
Check your blind spot before changing lanes
Stay aware of weather conditions
Always drive defensively (watch out for other drivers who may not be paying attention)

Common Distractions

While texting may get the most attention, it’s not the only dangerous distraction on the road. Here are other behaviors to avoid:

Checking or posting to social media
Scrolling through your phone to find a song or podcast
Tending to children and other passengers
Eating or grooming

Check Safety Ratings

When car shopping, search for the year, make and model you’re interested in to review safety ratings. You can use the National Highway Traffic Safety Administration’s 5-Star Safety Ratings or the Insurance Institute for Highway Safety’s vehicle ratings.

Have questions about your coverage? Reach out and we’ll be happy to help.

Can you control your car insurance premium?

Mon, 05 Oct 2020 18:30:24 GMT

Try These 4 Tips to Reduce Your Costs

Do you wish you had more control over certain things, including your auto insurance premium?

It’s true that many factors can’t be changed, like your age or how many years of driving experience you have. But with a little effort, you might be able to influence other factors (and potentially lower your premium).

Here are four steps you can take that might help you save a little money on your policy.

1. Follow the Rules of the Road

Even a minor traffic violation can increase your premium. It’s crucial to buckle up, slow down, keep your eyes off your phone, and when possible, avoid the path of dangerous and distracted drivers. Parking in safe areas is helpful, too.

2. Make Smart Financial Choices

It may surprise you, but your credit score can often have an impact on your premium. A higher score may predict less future risk, so try to stay out of debt and avoid making late payments.

3. Don’t Claim the Small Stuff

A long history of insurance claims or gaps in coverage are red flags that typically cost you. Consider taking care of small claims on your own (especially when the repair costs are lower than your deductible) and maintain continuous coverage.

4. Check In Annually

It pays to review your coverage every year or after a significant life event. We can look at possible bundling options and discounts for factors like safe driving.

Need to check in? Have questions about how to reduce your costs? Reach out anytime.

4 Driving Emergencies You Can Prepare for

Mon, 05 Oct 2020 18:23:27 GMT

Would you know how to quickly and safely react if your tire suddenly blew out? What if your gas pedal got stuck?

These aren’t everyday incidents, but they’re not unheard of, either. And they can be extra stressful if you have no idea how to handle them.

Do yourself a favor: Take a look at a few ways to help keep yourself safe just in case the unexpected happens while you’re out on the road.

4 Driving Emergencies (and How to React)

Your tire blows out.

What to do: Grip the steering wheel tightly with both hands so your car doesn’t swerve as the air leaves your tire. Don’t slam your brakes; accelerate carefully to maintain your speed. Then, take your foot off the gas, let the car slow naturally, turn on your hazard lights and pull over. It’s safe to gently brake once you’ve slowed to 25 mph.

You start to hydroplane.

What to do: Resist the urge to hit the brakes. Instead, take your foot off the accelerator. Look and steer in the direction you want to go. If you’re still skidding, gently tap the brakes.

Your accelerator sticks.

What to do: Jiggle or stomp the gas pedal if an object has lodged underneath. If that doesn’t work or you need a faster response, put your car in neutral, tap your brakes repeatedly to alert other drivers, and pull over.

Your brakes stop working.

What to do: First, try pumping the brake pedal. If your car still won’t slow down, shift into neutral or a lower gear. For a faster response, gently engage your parking brake. Another option is to nudge your car against an object like a guardrail or curb; its friction will slow you down. Your car will get damaged, but you may avoid a crash.

Your insurance can take care of vehicle damage, so always put your life and your safety first. Not sure if you have the right coverage? Get in touch!

FAQs about Pets and Home Insurance

Mon, 05 Oct 2020 17:54:48 GMT

Your dog just took down the neighbor’s fence while chasing a squirrel (and your neighbor isn’t happy). Will your homeowners insurance cover the damage? The short answer is, “it depends.”

Policy coverage and exclusions can vary, and when important factors like pets are involved, the fine print matters.

Want to know more? Here are a few common questions about pets and home insurance.

Does your policy cover damage caused by pets?

Many home insurance policies do not cover damage your pets cause to your own property — like a torn sofa or broken TV. However, liability insurance may cover damage your pet does to other people’s property.

What if your dog bites someone on your property?

Most home liability policies offer coverage for damage a person may suffer on your property, including dog bites (up to a certain limit and provided you’ve disclosed you have a dog). Note that after the first dog bite, you may face additional exclusions.

Are different breeds treated differently?

Some insurance policies may offer limitations on coverage if you have what is considered a high-risk breed. When you share what kind of pet you have we can let you know what to expect.

Are backyard animals covered?

Home insurance policies don’t provide coverage for damage your pets, including backyard animals like goats or chickens, cause to your property. However, liability coverage may still apply (with some limitations).

Will your home insurance pay your pet’s medical bills?

Unfortunately, you’re likely on your own for your pet’s medical bills even if they are hurt during a covered incident (like breaking through your neighbor’s fence).

Have questions about your coverage? Reach out anytime.

5 Simple Steps to a Safer Home

Mon, 05 Oct 2020 17:21:01 GMT

Keeping your family safe and your home in good condition are top priorities for any homeowner.

What’s one way to help achieve these goals? You can conduct a home safety audit each year.

This simply means inspecting a few things and reviewing emergency plans with everyone in your household. These easy safety checks can make all the difference. Here’s where to start.

Locate and test smoke alarms. Do you have enough smoke alarms, and are they working? You want one on each floor, including one inside and outside each sleeping area. Test each alarm, replace expired batteries and replace alarms older than 10 years.

Practice getting out and meeting up. It’s important to have a well-understood evacuation plan in case of a fire or other emergency. Go over the details (like how to exit safely and how to gather up your pets) and practice them together. Settle on a meeting place outside.

Check fire extinguishers. Do you have one in the garage and one in the kitchen? Make sure the dial shows the extinguisher is still pressurized. Review the instructions for using it (and know when to use it and when to evacuate).

Look for kitchen hazards. Has grease built up around the stove or on your range hood filter? It could start a cooking fire. Also, make sure cleaning products are locked away from young children and pets.

Check carbon monoxide detectors. Make sure they’re still working and have fresh backup batteries. Some are integrated with smoke alarms, but plug-in ones at knee level may provide better detection.

Do you have questions about keeping your home safe or about your coverage? Reach out anytime for assistance.

5 Ways to Help Teen Drivers Succeed

Mon, 05 Oct 2020 17:15:05 GMT

Learning to drive is a summer rite of passage for many teenagers. It’s also a chance for parents to truly make a difference in their child’s life. By instilling smart habits from the beginning, you’ll be helping to keep them (and everyone on the road) safer overall.

Are you getting ready to help your teenager become the best driver they can be?

Here are four key things to keep in mind (and one thing we should all remember):

Take It Slow

Just because a teenager is old enough to get their permit or license doesn’t make them automatically ready to get behind the wheel. Before they start their lessons, take the time to discuss expectations, quiz them on driving laws and then move forward at the right pace for everyone.

Explain the Insurance Fundamentals

Learning to drive also means learning about adult responsibilities like insurance. Go over the essentials and walk through a few scenarios they may encounter. What’s a premium? What should they do if they get into a fender bender? How much is the deductible on the car they’ll be driving?

Discuss Other Costs

Will your teen be expected to cover gas for themselves? What about maintenance? Whether they’re borrowing your car a few times a week or taking over your hand-me-down, be clear about who will be paying for what.

Keep Talking

Most importantly, make sure you continue to have honest conversations about boundaries, curfews, peer pressure and responsibility. Emotions can run high around these issues, but helping your kids stay safe is what’s most important. \

Set a Good Example

Finally, here’s something we should all keep in mind: Are you demonstrating solid driving habits yourself? Follow the speed limit, use turn signals and don’t text and drive. If you’re not following rules and prioritizing safety, you’re putting everyone on the road in danger.

Do you have questions about adding a driver to your policy or anything else? Reach out today.

Do you have enough liability insurance?

Thu, 03 Sep 2020 01:29:27 GMT

Your front steps recently started to crumble a little bit — what would happen if your neighbor slipped and hurt their wrist while bringing you some mail?

When things go wrong, many people are happy to resolve problems privately or forgive the responsible party. But sometimes an injury or a property loss is so expensive that outside help is the only way to pay for the damage.

Here’s what to know about how to protect yourself from potentially costly accidents.

What does personal liability insurance cover?

If someone is accidentally injured in your home or on your property, personal liability insurance can help cover their medical bills and protect you if you’re sued.

If you or someone else covered by your policy accidentally damages someone else’s property, personal liability insurance can pay for the loss.

What doesn’t personal liability insurance cover?

Personal liability doesn’t cover your own damage to your own property and covered family members, though other insurance often does.

If your spouse falls off a ladder, your health insurance will provide coverage. If you accidentally start a fire and cause damage in your kitchen, your homeowners or renters insurance will kick in. If you injure someone while driving, you’ll file an auto insurance claim. And you’ll need a separate policy for business activities.

How do I get personal liability coverage?

If you have homeowners insurance or renters insurance, you already have personal liability coverage. The question is whether you have enough.

Insurance protects us against losses we can’t afford to pay for without help. Do you know how much personal liability insurance you have and whether it’s enough?

Reach out today and we’ll figure it out together.

So you're too broke for decent car insurance? Here's why the cheapest quotes are dangerous

Sun, 01 Mar 2020 04:21:35 GMT

We get it. You’re shopping for car insurance and thinking, “Man, this is pretty expensive. I think I’m just going with the cheapest one – I’m broke!”

That’s an understandable strategy, but is it the smartest one? You might save some money in the short run, but the coverage gaps in a cheap car insurance policy have the potential to make you more broke than you already are.

How a cheap policy can cost you more money

Fixing or replacing your car. Policies with minimum coverage generally do not cover repairs if you get into an accident. And, if your car is beyond repair, you may have to replace it.
Renting a car or ridesharing. While your car is out of commission, you may have to rent a car. However, car renting can be expensive, so ridesharing with Uber or Lyft could be a cheaper option, although it can add up – and not be available in your area. Public transportation, walking, biking – or pony riding?! – may be your next best options until you have a vehicle again.
Covering someone else’s medical bills. Depending on your insurance and the severity of injuries, you may be responsible for someone else’s medical bills. Good insurance policies usually cover $500,000-$2 million in medical bills, but a budget policy covers about $10,000-$30,000.
Paying up-front deductible costs. Unfortunately, cheap policies can require you to pay a large amount before the insurance kicks in. And, you may need to pay for costs beyond your deductible up front and wait to be reimbursed.
Waiting for customer service to reimburse you. Time is money, and unfortunately you might spend a lot of it talking (or waiting to talk) to a customer service agent. Budget insurance companies likely keep a lean staff and don’t want to give out too much of its budget-sized revenue, so it might be a bit before they get back to you.

Still think you're too broke?

As you can see, although you might think you’re too broke for a “decent” car insurance policy and want to save money in the short run, your budget policy might make you even more broke than you are right now.

Unfortunately, this situation doesn’t change the fact that great insurance is more expensive. What to do?!

A great solution is to talk to a private insurance company like Atlantic Insurance. We can work with you to create a plan that fits your “brokeness” level – without the risk of becoming truly broke that comes with a budget plan. Learn more about how an independent agent can help save you money.

Does this sound like a good solution for you? Contact Atlantic Insurance for a quote that will work for you!

How should you handle a fender bender?

Fri, 10 Jan 2020 02:47:23 GMT

Would you know what to do if you were involved in a fender bender?

Even if the damage doesn’t seem significant, you might have a time-consuming and stressful process ahead of you and it’s important to proceed carefully.

If it’s a serious wreck, call 911. Otherwise, here’s what to keep in mind in the event of a minor accident.

What should you do at the scene?

If you accidentally bump another car (or if they bump you), here are a few steps to take:

First, make sure everyone is okay. Then, if it’s safe, move your vehicle out of the way of traffic.
Even if the damage seems minimal, call the police.
Exchange information with the other driver, including full name, phone number and insurance details.
Take photos of the vehicles involved and document the location, road conditions, the weather and any other relevant details about the scene.
Were there any eyewitnesses? Try to take their names and contact information, as well.
When the police arrive, be direct and polite. Make sure you gather their names, badge numbers and contact details and ask about obtaining a copy of the accident report.

It’s also important to contact your insurance company, so reach out as soon as you can to let us know what happened. We’ll walk you through the next steps, start the claim process and guide you through any necessary repairs that need to be made.

What if the other driver leaves the scene?

If the other driver doesn’t cooperate, doesn’t share their information or refuses to stop altogether, you should still stop and call the police. Try to remember as many details as you can (the color, make and model of the car, details from the scene, etc.) and share them with the police.

If you have any questions about how to handle a fender bender or any other claim, reach out today.

Protect Your Home with an Umbrella Policy

Fri, 23 Aug 2019 01:53:22 GMT

Imagine you’re having a party and someone twists their ankle on your property. This kind of thing happens more than you might think, and while your basic liability insurance may help, unfortunately it may not cover all the resulting costs.

Wouldn’t you rather have peace of mind knowing your assets are protected? If you don’t know much about umbrella insurance yet, now’s the time to learn.

What is umbrella insurance?

Umbrella insurance is a form of liability insurance designed to provide an all-encompassing level of protection. This coverage picks up where other forms of liability insurance leave off.

Could you benefit from umbrella insurance?

If you have a higher-risk home, such as one with a pool, umbrella insurance adds an essential layer of protection. Parents of teenagers (who tend to be riskier drivers), dog owners, and anyone with a boat or rental property are also good candidates.

How much does it cost?

Umbrella insurance is available as an add-on to most people who purchase a property insurance product, such as home insurance or business insurance. Because it’s an extension of your existing coverage, it tends to be very affordable — and it’s a small price to pay for the level of protection it can offer to you.

Why do you need it?

You can easily fall victim to a liability lawsuit in today’s world. Even if you don’t have a high-risk home, accidents do happen. If you want to protect your money and property from claims made after an accident or injury, having an affordable umbrella insurance policy makes sense.

Interested in learning more about umbrella insurance? Get in touch today.

3 Ways to Save Money by Using an Independent Insurance Agency

Mon, 04 Mar 2019 01:12:21 GMT

If you’re looking to save money – who isn’t? – have you considered using an independent insurance agency for your home and auto policies?

Expenses are some of the biggest concerns that people have about insurance, which is absolutely understandable. That’s why an independent insurance agency will assign an agent to work with you one-on-one to craft the most affordable policy with great coverage, so that you never have to worry about money in case of an accident.

How else can an independent agent save you money?

1. Your agent does comparison shopping

Doing comparison shopping for insurance on your own can quickly drain your energy. Inputting tedious information over and over only takes time out of already-busy schedules. Is there anything more frustrating than that?

As a result of solo-shopping, many people often settle for the first or second quote they find because they don’t have the time or resources to search for something that would really work for their lifestyle.

Usually, when people rush to get quotes or simply settle for the first or second one they find, the policies 1) are more costly than they should be or 2) they don’t provide enough coverage, which can be a problem in case the unexpected arises.

When you work with an independent agent, they’ll do comparison shopping for you. All you need to do is give your information to your agent — just once.

From there, they’ll be able to give you quotes from a variety of insurance companies within minutes. They’ll take care of narrowing down a policy that fits your lifestyle and budget while maintaining great coverage.

2. You can bundle policies

Purchasing individual policies from different companies is time-consuming and you miss out on potential deals and savings.

That’s why when you work with an independent agent, bundling your auto and home policies is cost-effective (see last paragraph!). They typically offer deep discounts — your independent agent will offer incentives and is eager to consolidate policies for your convenience and savings. You’ll likely pay a single deductible for the entire policy, too.

Since your agent works side-by-side with you and you already have a relationship, they’ll know exactly what you’ll need. You’ll receive one bill for the bundle each month, and if you’re confused about something, need to file a claim or make an adjustment, you only have to go to one single agent — not dozens of representatives scrambling for account numbers and policy information.

3. Your agent will avoid coverage you don’t need

Big insurance companies often convince customers that they need to spend far more money than they actually do. For example, representatives might mislead a customer and tell them they need a high-wind deductible even if the customer doesn’t live near the water or in storm-prone areas.

In contrast, an independent agent will focus strictly on whatever you need based on your location, budget and lifestyle. Independent agents are always located in the same town or city as their customers, so they’re experts on area weather patterns, climate, statistics and all the important components that go into choosing policies.

At Atlantic Insurance, it certainly pays to use an independent insurance agency. With us, you’ll save 20 percent by combining auto and home insurance. Contact us today to get started!

5 Ways Independent Insurance Agencies Offer Better Protection Than Other Providers

Fri, 01 Feb 2019 01:54:02 GMT

Independent insurance agencies offer incredible benefits that other providers simply can’t match.

Choosing the right insurance can feel overwhelming, and you’ll likely have a lot of questions. However, you can cut the stress by working closely with providers who care more about protecting you, the customer, than making a sale.

Here’s why it’s best to work with an independent agent:

1. You have more insurance options

Independent agents can get better deals than you might get for yourself or a major company could find for you, because they represent various companies that provide a variety of coverage options.

For example, if you’re looking for home insurance, major companies can only offer their company’s insurance policies; however, independent agents have the fluidity to source a policy from a variety of companies. That way they can come up with one to meet your exact needs.

You don’t need to spend hours scrolling online filling out forms and applications to get quotes. Your agent will do this for you, finding the best price and coverage for your needs.

2. They meet all insurance needs

Need more than one insurance policy?

Independent agents will take care of you, whether you’re looking for auto, home, business or life insurances – or all of the above!

3. They’re accessible and local

When you want to get in touch with your independent agent, they’re simply a phone call away.

They’re real people who want to build long-lasting relationships. You’ll work directly with your agent who knows you by name; you don’t have to deal with nightmarish automated telephone processes, long wait times, callbacks, and talking to strangers each time you have a question or concern.

Independent agents live in the same city or town as you, so they’re typically involved in the community and aware of the benefits and challenges of living the area.

4. They’re advisors

An independent agent takes the time to ensure they understand your unique insurance needs — and they make sure you understand the process, too. While their goal is to get you the most affordable insurance, they understand that you need to be appropriately covered so that if there’s an emergency you won’t end up in severe debt or financial chaos.

5. They advocate for — and represent — you

Your agent will advocate for you if you have an issue, such as billing or claim concerns, or you simply need to change your coverage. Their goal is to represent you, the customer, by looking out for your best interest and intervening on your behalf with honest, forthright information.

Plus, they understand that lives change, and with time, policies should be updated. Did you recently switch from renting a home to buying? Or are you getting married or starting a business? Independent agents offer to review your coverage when necessary to make sure you have the best, updated policy for your needs.

At Atlantic Insurance, we believe that great relationships are the best policy. Contact us today to learn more about our services!