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Your homeowners property insurance policy covers not only your home, but also your personal property anywhere in the world. As long as you have an active policy and damage to your personal property is the result of a covered cause…

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Chip Into Security

Most of our credit/debit cards now have chip technology, but sometimes it’s hard to know when and where to use them. Some merchants want you to use the chip, some terminals have a chip slot but aren’t set up for…

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Battery Safe Than Sorry

In September of 2017, the energy company Tesla will unveil an all-electric semi-truck powered by a battery. I found it interesting that something as massive as a freightliner could run on a battery. What was science fiction a decade ago…

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The Great Escape

I am sure we all can recall partaking in fire drills at school or our place work. They’re done so often they become rudimentary. However, people often forget or ignore the importance of preparing an fire escape plan for where…

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A True Tale About Water Backup of Sewers and Drains Coverage

Any insurance agent who has been in the business long enough has one or two go-to stories they will use to prove their worth in a pinch. Whether we are talking to a prospect, speaking with others in the insurance…

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The Cold Hard Facts About Ice Dams

The winter months may be waning but the potential for claims resulting from ice dams are on the rise! While most of the damage caused by a winter storm is immediate, ice dams losses usually don’t occur until several days…

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how…

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