How to Take Care of your Air Conditioner This Summer

Summer is here and that means increased outside temperatures and consistently high humidity. However, if your A/C unit isn’t working properly, it can lead to more than mere discomfort. Ignoring regular maintenance can turn into costly repairs and replacement. Avoid that scenario by keeping your air conditioner in top shape. Here’s three reasons why we urge you to have your A/C inspected and maintained and make it a priority this summer: Protects Important Equipment It can be expensive to replace an air conditioner, especially if [...]

Yard Work Safety Tips to Keep You Out of the ER

Amid all the green lawns and manicured gardens of summer lies a grim statistic: Every year, while mowing the grass, cutting a branch, or power washing a deck, at least 100 people die and an estimated 143,000 are injured badly enough to require a trip to the emergency room. The injuries people suffer run the gamut from overexertion and dehydration to cuts and amputations from using all kinds of power equipment. It's also worth noting that in our research, we also came across a disturbing [...]

What Happens If My Neighbor’s Tree Falls in My Yard?

Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible. The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of [...]

What to Do If Denied Life Insurance

There’s nothing worse than hitting a roadblock when you’re trying to do the right thing to protect your family, right? Like applying for life insurance only to find out your application has been denied. If this happens, what’s your next move? Don’t worry: There are options out there, and as your insurance agent, we’re here to walk you through what you should do if your life insurance application is denied. The most important thing to remember is you still have options even if this isn’t your first rejection. Insurance [...]

How to Change a Tire

Knowing how to change a tire is a necessary skill for all drivers. You might be thinking, “I pay for a AAA membership so that I get roadside assistance and don’t have to worry,” or “I have a cell phone, I can just call someone to help.” Even if this is the case for most situations, there are still plenty of situations where these reasons don’t cover you.  WHY SHOULD YOU KNOW HOW TO FIX A FLAT TIRE?  Cell phones don’t always have service In [...]

Homeowners Insurance Facts

When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance. Certain losses are excluded from most homeowners insurance policies. Standard homeowners insurance policies don’t cover floods or earthquakes. If you want coverage for flood or earthquake damage, you will need separate policies for those. If you are [...]

What is Cyber Insurance and Why Do You Need it?

Cybersecurity insurance is a new and emerging industry. It has its origins in errors and omissions (E&O) insurance, a separate form of insurance that protects against faults and defects in the services a company provides. E&O insurance is analogous to product liability policies for companies that sell physical or digital products. It’s important to us that you and your business stay safe during these emerging times. Read on to learn more about what is Cyber Insurance, how does it work, and why do you need it. [...]

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