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Get proper protection for your home business

January 12 2016
Running a business out of your home changes the loss exposures and characteristics of your residence as far as your homeowners insurance company is concerned. Your homeowners policy will cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. But if you run a home business, any loss associated with that business may be your problem unless you obtain additional protection.

Are you covered when you borrow someone's car?

December 29 2015
Auto policies have a variety of exclusions and conditions that limit coverage in certain circumstances. “Regular use” and “business use” are two coverage issues that you should understand...

Keys to properly insuring your home

December 14 2015
To protect your home and your financial well-being in the event of a major fire or other disaster, you should regularly review and update your insurance. While many home policies adjust automatically to keep pace with increasing construction costs, it’s wise to complete a home replacement cost estimator every 5 years or anytime you make major alterations, additions or upgrades...

Christmas tree safety

December 04 2015
A Christmas tree is often a central part of holiday decoration. Some people cut down their own tree, others get theirs from a local side of the road stand and others have opted for artificial. While beautiful, Christmas trees can also pose a serious fire hazard, so be sure to follow safety guidelines...

Establish online precautions and rules for kids

November 17 2015
The Internet is a marvelous tool for staying in touch and learning new things, but it's important for kids to stay safe and exercise precautions when using it. In particular, children and teenagers can be unaware of online risks, such as the danger of libeling a third party or cyberbullying.

Bump up that deductible!

November 05 2015
Insurance consumers are constantly looking for ways to save on their personal lines insurance costs. Some of these ways are smart; some, not so much. Learn why increasing your insurance policy deductible can be a smart way to save money while maintaining excellent coverage.

Why you need a personal umbrella policy

October 30 2015
Personal umbrella policies are growing in popularity. In the past, only wealthy individuals and families purchased this coverage. Today, middle-income families also may procure this policy for protection in our society's increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity, rather than a luxury. It is especially attractive because of its relatively low cost.

Prepare your home for old man winter

October 20 2015
With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.

Avoid those cell phones while driving

October 06 2015
The NHTSA reports that an estimated 421,000 people were injured in auto accidents in 2012 involving a distracted driver, a 9 percent increase from the prior year. And 31 percent of American drivers ages 18-64 reported that they had read or sent text messages while driving at least once within the 30 days prior to the survey.