Applying for Disability: What You Need to Know
Applying for disability can be a scary situation to be put in. The government has two different programs that are set in place to help assist those who are now needing disability assistance. If you are newly disabled, you may be wondering if you qualify for financial...
Busting Common Life Insurance Myths
According to the 2019 Insurance Barometer Study by Life Happens and LIMRA, 43% of American households do not have any life insurance. Furthermore, 40% of those households reported that they would immediately struggle to pay living expenses if their primary wage owner...
Driving Safely in Winter-Like Conditions
Prepare Your Vehicle In addition to the annual tune-up and maintenance your vehicle undergoes, there are more small things you can do to help winterize your vehicle in anticipation of the winter months. Below are a few tips to help you protect your vehicle: Test...
New Year Means New Insurance Coverages
It’s another new year and everyone is listing off their new year resolutions. Many people forgo an important resolution that should beat out going to the gym weekly or eating a cleaner diet. What is this resolution that should beat out all the typical goals? Reviewing...
5 Tips for Driving at Night
Depending on your job, you may need to do a lot of driving at night. Or perhaps you like to leave in the wee hours to go on family vacation, so you can arrive at a decent time the next day. Some drivers do prefer night driving because the roads are more open. Even so,...
Protecting Your Pet During the Holiday Season
The holidays are full of excitement and celebrations with family and friends. While getting ready for the festivities, meals, and decorating time that is planned can create excitement for you and your furry friends, there are several things to watch out for. As their...
Are You Getting the Most Out of Your Life Insurance Policy?
Life insurance policies can be confusing. There seem to be endless different options, plans, and policies to choose from. You might have simply selected the cheapest life insurance policy because you didn't fully understand your options. Maybe you selected a pricier...
Space Heater Safety Tips to Avoid House Fires
People across the nation are breaking out their winter jackets, scarves, and gloves to prepare for the winter months that are upon us. Keeping warm during winter is important for everyone, so it is likely that many people are grabbing their space heaters as well....
When to Update Your Life Insurance Beneficiaries
Life insurance: you may not want to think about it too hard, but you need to. It can be difficult to consider the possibility of your own passing, but when you realize what the financial consequences of your death might be for your loved ones, you’ll realize just how...
5 Reasons to Be Thankful for Your Independent Insurance Agent
As we get closer to the time of celebration and being grateful, it’s a good time to think about all you are thankful for. One thing that may not always come to mind is your independent insurance agent! When looking into getting your own set of insurance policies, no...
4 Practical Insurance Tips for Millennials
Millennials (young people born between 1981 and 1996) are now reaching a place in their lives where they have to start making important financial decisions, such as when to buy a house or have children. With the average amount of millennial debt rising, it is becoming...
Ins and Outs of the Business Owner’s Policy
If you own a business, you may be familiar with the term Business Owner’s Policy, otherwise known as a BOP. This policy combines business property and business liability insurance into one business insurance policy. The intention of a BOP is to help cover your...
Umbrella Insurance: What’s Covered Under the Umbrella?
Umbrella insurance, usually referred to as excess liability insurance, is a form of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. An umbrella insurance policy is put in place to help the...
Protecting Your Vacant Property
The first question that you may be asking yourself is, “When will I ever have a vacant property?” It’s surprising how common owning a vacant property is. There are four common scenarios where you may have possession of a vacant property: You own rental properties and...
What Are the Real Consequences of Skipping Breakfast?
Mornings are difficult, aren’t they? You’re rushing to get showered and dressed - and if you have kids, to get them up, showered, and dressed - and you have to make it to work on time! With everything going on, stopping and making breakfast is not on your to-do list....
Identity Theft Protection
We are living in an almost fully digital world and it’s becoming more of a challenge to protect yourself online. In order to protect your personal data against the growing identity thieves, it’s important to take steps to minimize your odds of being victimized. The...
Have a Safe and Happy Halloween by Avoiding Insurance Claims
Halloween is a special day of the year that many people young and old get excited about. However, Halloween poses more dangers than scary masks and fake blood, so you need to stay safe and protect what you care about. Here are some useful tips for staying safe, having...
What to Expect from a Home Inspection
Home inspections are a visual assessment of a home’s physical structure and mechanical systems. This includes the roof, ceiling, walls, floors, windows, and doors. The home inspector has a list of items to go through while checking the home. They will typically check...
Planning for Retirement
The first step in planning your retirement is thinking about retirement goals and how long you have to meet those goals. Next on the list is to look at the different types of retirement accounts that are available for you to help accumulate the money needed to fund...
How to Spot a Distracted Driver
If you know the dangers of distracted driving, you avoid it. However as many of us know, you can’t control the actions of other people on the road. Here are a few useful tips for spotting - and avoiding - distracted drivers around you. If You See a Driver Holding a...
