Musical Instrument Coverage 101
Musical Instruments can be some of the most important possessions we have. Like pigment for a painter, a ball in many sports, or design tools for an architect, musical instruments provide a vehicle for our creativity. The difference is that instruments are works of art on their own. Many of the best are made decades or even centuries ago and carry significant value to their owners.
Kitchen Fire Safety
Happy Thanksgiving to All!
As families around the United States celebrate Thanksgiving, the kitchen is a main focus. It makes sense then that Thanksgiving day also has the highest total of 911 calls for kitchen fires of any day in the year. Here’s a video offering some good advice about how to avoid kitchen fires and how to react if they do happen.
The most important...
How to: SAFELY STORE YOUR VALUABLES
Our friends over at BrightNest have some great ideas for storing valuables.
Here’s a quick list of hiding spots sure to spark your imagination.
A safe. Like this one.
An envelope taped behind a painting.
A tampon box. Leave some of the product on top of your valuables, and store with other toiletries.
A bag of coffee. On the shelf of your pantry or in a kitchen cabinet.
Behind an outlet. A...
5 Reasons Your Homeowners Claim Could Be Denied
We purchase insurance for one reason – to pay for our loss when something bad happens.
But search any insurance company on Google, and you’ll see a bunch of complaints from folks whose policies didn’t pay. These people are usually mystified and miffed, and ready to tell anyone and everyone how terribly the insurance company treated them.
As agents, we’ve read through a lot of...
5 Surprising Smoke Alarm Facts
Smoke alarms are the best way to protect ourselves from fire.
We spend a lot of time at home.
A couple points to consider:
Fires at home are most common during the evening cooking hours. This is also the most common time for burn injuries.
Death from home fires are most common when the fire occurs after bedtime.
When we replaced the batteries in our smoke alarm this weekend,...
The Great Hail Damage Hoax
We’ve all heard of “ambulance chasers” – unscrupulous lawyers who prey on accident victims, building America’s reputation as the most litigious society in the world, costing insurance companies millions of dollars spent on attorney fees.
But for homeowners, there’s a greater villain still. We are talking about STORM CHASERS.
No, not the adventurous meteorologists who roll...
Step-by-step Guide to Avoid a Dryer Fire
HOW TO AVOID A DRYER FIRE
FACT: The leading cause of home clothes dryer fires is failure to clean them.*www.nfpa.org
Clean your dryer lint trap before and after each use.
Never use a dryer without a lint trap made for that specific dryer.
Have dryer professionally installed and serviced.
Gas dryers should be inspected every 2 years by a professional to ensure no leaks.
Dryer MUST be plugged...
Protecting Your Net Worth
One of the top insurance mistakes is having a hodge-podge of insurance policies bought from multiple agents, say one for you primary residence, another for a vacation home, and yet a third for your cars. That can leave you with policies that aren’t coordinated, so you have coverage gaps. Here’s a summary of some of the biggest issues facing many High Net Worth Individuals; see if they ring...
Warning: Insurance Will Cost More
Climate change. Global warming. It’s happening. And it’s going to cause your insurance costs to go up. When and how much are the questions.
The insurance industry is a business. When it comes to paying for claims and making a profit, insurance companies and regulators pay close attention to the details.
The recent National Climate Assessment report asserts that climate change is...
5 Home Insurance Secrets That Are Emptying Your Wallet
So you got insurance for the roof over your head, the engagement ring passed down through your family, and the trusty backyard golf cart. You’re feeling safe with the comfort that if something bad happens, someone else will swoop in and rebuild your home.
But then one day you and the neighbor are comparing home insurance prices and yours is $300 more than his. What gives?