Insurance Blog

Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.


How To Weather The Winter Storms? Winterize Your Home.


Freezing temperatures and winter weather can cause havoc with your home. The best way to avoid any future mishaps is to be sure that you have taken the proper steps to winterize it. If you haven’t done so already, now will be a good time as any to tackle that project just before the snowy weather is in full swing.

Here are some great ideas:

  • Clean out gutters, disconnect and drain all outside hoses. If possible, shut off outside water valves. imagesCAHKFBU8
  • Insulate walls and attics, and caulk and weather-strip doors and windows. This is a big savings on your heating bill.
  • Repair roof leaks and remove tree branches that could become weighted down with ice or snow and fall on your house or your neighbor’s house.
  • Wrap water pipes in your basement or crawl spaces with insulation sleeves to slow heat transfer. Consider an insulated blanket for your hot water heater. [Read more…]

No Rental Insurance? Don’t Let This Happen To You

suitcaseThere is nothing more devastating than coming home from vacation only to find a shell of your apartment building which had caught fire while you were gone. All of your possessions are now contained in the two suitcases that stand by your side. No, wait. Yeah, it can get worse. You don’t have any insurance that will cover what you just lost.

So, why didn’t you purchase the insurance when your roommate had the common sense to do so? Maybe you didn’t have the extra money at the time. Maybe you never thought this sort of thing could even happen to you. Or maybe nothing more than pure stubbornness on your part, was a way to save a lousy buck.

Surely, Renter’s Insurance cannot replace what you hold most important to you, like the pictures, the memories and the all the things that were passed down from your family to you. But, what the Renter’s Insurance Policy could have done, just like piecesHomeowner’s Insurance, was to piece together your life back to the way it was before your loss. Pay for a roof over your head at a motel or hotel, while you look for another apartment to rent. Pay for your meals at a restaurant since you no longer have a refrigerator full of food. Then once you’ve established a residence elsewhere, cover the expenses of furnishing for your new apartment. It all depends on the contents and possessions that would have been covered under a policy are all what the insurance would have replaced. [Read more…]

What Should You Do If You Ever Get Into An Auto Accident?

If your one of the lucky ones who has yet to be in an accident, you should count your blessings. However, being in the know is still a good thing when you haven’t a clue on what to do.

After all these years of driving (30 plus years or so), I hadn’t had an accident on my driving record yet. Well, until now. The year of 2014 was my year Two Weeksof accidents. I had just purchased a brand new SUV, a nice pearl color. My wife picked it out, just so you know. I loved the feeling of my brand new car, the smell and all, and it had lasted all of two weeks. Yep! Two weeks, my friends! [Read more…]

College Bound: Your Son or Daughter Has Arrived, Now What?

You’ve just dropped off your young adult at his or her new home away from home for the next 9 months. Unfortunately, the hard part is not quite over because in the next few weeks both you and your son or daughter will be going through a time of transitioning. But rest assured it will get easier as time goes on. Here are a few tips as you go through these new experiences and changes.

Talking with college studentThe top priority is to communicate trust with your son or daughter. You’ve done your job bringing up your children, now it’s time to see that what you’ve instilled in them, that they will make good choices on their own. Talk to him or her about your values and your expectations. Make it clear that the lines of communication are wide open regardless of the miles between you and whatever challenges that may come, that you are there for him or her to talk when you are needed. [Read more…]

New Jetski? Know The Rules of The Water Before You Ride!


Now that you finally own your own jetski or PWC (Personal Water Craft), there is so much that you need to know before you get in the water to ride. It’s just like driving a vehicle on the road because there are rules and signs that need to be obeyed, even in the water.  However, operating a PWC is different from driving a car or a motorcycle for there are no lanes or lines on the water to guide you on where and how to go. That is why knowing the basic rules of the road and the navigational aids are so important.

Let’s give you some basic skills to get you started.

[Read more…]