Blog
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Posted at: 6/2/2016 7:37 PM
It's that time of year! Are you hosting a party for your graduating teen? If you are having the party at your home you might think there is nothing to worry about. Well, that is not necessarily the case. Here’s a scenario to think about. Your child is graduating from high school and you throw a nice backyard bash to celebrate the occasion. You’ve warned your teen and the friends that there will be no underage drinking at this party. Your young grad and friends have never given you any trouble,
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Posted at: 5/9/2016 7:39 PM
With the weather warming up, you feel like you’re ready to start entertaining guests on your deck. The first thing you want to be sure of is that all your guests will be safe and secure. Inspect Your Deck – Check for loose nails/screws, warped wood, splinters and rot. Secure Your Deck – Check for loose railings/stairs. Repair as soon as possible to prevent falls. Clean Your Deck – Remove any mold or mildew to prevent slippery surfaces. Seal Your Deck – Add a waterproof stain to protect your dec
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Protect Your Home While on Vacation
Posted at: 4/18/2016 7:40 PM
After you have packed your bags and planned your itinerary, you still need to consider how to best protect your home while on vacation. Hire a House – or Pet- Sitter. Stop mail/newspaper delivery. Lock ALL of your doors and windows. Invest in timers that turn on the interior lights for a few hours every evening. Put a bar on your sliding glass door. Install a home security system or even just exterior lights that run on timers. Don't post your vacation plans for the whole world to see.
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Solar Panels...How Do They Affect Your Insurance?
Posted at: 3/29/2016 7:42 PM
As more and more homes are being contacted by solar energy firms offering ways to cut utility expenses, one has to wonder: How will this affect my homeowners insurance? Whether you add solar panels to the roof of your home or freestanding in your yard…make sure they are covered. If you permanently install the panels on your home, they become part of the dwelling and you should increase your insurance coverage to reflect the additional value of your home. If the panels are freestanding in your
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Are You Prepared for Emergencies?
Posted at: 3/23/2016 7:44 PM
Spring is the time of year when temperatures can swing back and forth between balmy and frigid. Sunny days may be followed by a week of stormy weather. Things are unsettled. Increase your preparedness through action. Sign up for local alerts and warnings, download apps or check access for wireless emergency alerts. Create emergency communication plans for your household. Assemble or update emergency supplies. Conduct a drill to practice emergency response actions. Collect and safeguard critica
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Posted at: 3/21/2016 7:46 PM
Learn how to protect your rental property from common mishaps and risky situations. Reduce likelihood of lawsuits, harm to tenants and guests, damage to your property, and financial distress. Get the Right Insurance for Your Property – Review and discuss your current policy with your Agent. Provide a Safe Environment – Keep your property safe so that people don’t get hurt. Regularly inspect the property for hazards. Maintain the Property – Install hard-wired smoke detectors, child-safe window
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Posted at: 3/16/2016 6:28 PM
Spring is just around the corner and good planning and maintenance in spring will create less work and more enjoyment in summer. The outside of your home has been exposed to the elements all winter season. Inspect the following: Foundation- Look for cracks that may have developed during the winter. Siding- Clean the siding with a pressure-washer to remove/prevent mold growth. Landscape- Trim back shrubs, and cut down tree limbs that could cause damage. Gutters- Clean out debris. A clogged gu
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Can You Be Sued for a Million Dollars?
Posted at: 3/3/2016 8:49 PM
YOU DO NOT HAVE TO BE A MILLIONAIRE TO BE SUED FOR A MILLION DOLLARS. If you operate a vehicle and get distracted while driving, you are at risk. If you own a swimming pool and it causes injury to someone while on your property,you are at risk. If you own a boat and injure a water skier while boating, you are at risk. If you host a party with alcohol, you are at risk. Personal umbrella insurance is additional liability insurance. Coverage starts with limits of $1 million and offers coverage wh