8 Tips for Fireplace Safety this Season

8 Tips for Fireplace Safety this Season

There’s definitely something alluring about having a fireplace in your home. According to the Hearth, Patio, and Barbeque Association (HPBA), a fireplace ranks second among the top features buyers seek in a home! Additionally, approximately 80% of American homes have a fireplace, hearth or pellet stove. I’ll admit, a fireplace was one of the features… Read more »

December is Impaired Driving Prevention Month

December is Impaired Driving Prevention Month

December is National Impaired Driving Prevention Month! Want to spread awareness? Click here and share these helpful resources. Impaired driving includes distracted driving, drugged driving, and drunk driving. Why is Impaired Driving Prevention Important In an average year, 30 million Americans drive drunk, and 10 million Americans drive impaired by illicit drugs. A 2010 survey by the Substance Abuse… Read more »

3 Events that Impact Homeowners Insurance

3 Events that Impact Homeowners Insurance

Let’s examine the major events that impact homeowners insurance. Shopping for a home can be exhausting as you research neighborhoods, tour homes, apply for a loan, negotiate the purchase price, organize inspections, and wade through a seemingly endless stack of paperwork. You also need to select an insurer and homeowners insurance policy. This is critical,… Read more »

Apps that Help You Stay Safe in an Emergency

Apps that Help You Stay Safe in an Emergency

Here are 8 apps to help you safeguard your family, home and prized possessions and prepare for many of the emergencies life might throw at you. Before Disaster Strikes Apps WeatherBug This is one of the most trusted weather prediction apps for your phone. In addition to the usual hourly, daily and extended forecasts, it… Read more »

Preventing Fires in Clothes Dryers

Preventing Fires in Clothes Dryers

Did you know that clothes dryers are a leading cause of household fires? According to the National Fire Protection Association (NFPA), local fire departments respond to an estimated 15,970 home fires involving clothes dryers or washing machines each year: 92% of these fires involved the clothes dryer, while combination washer/dryers accounted for 5% of the… Read more »

Misconceptions About Insurance Coverage to Market Value

Misconceptions About Insurance Coverage to Market Value

Let’s compare insurance coverage to market value. The biggest misconception policyholders make when evaluating if their home has proper coverage is using market value as a cost basis. Reconstruction cost is the cost to hire a contractor to replace the home as it is, using materials and design of similar quality. This amount isn’t the… Read more »

The Insurance Claims Payment Process

The Insurance Claims Payment Process

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments. Claims Payment Fact: The initial payment… Read more »