Winter Weighs Heavy on Unhealthy Trees

Broken tree

The sight of snow covered trees and dangling icicles can be pretty.  And dangerous! While many trees emerge seemingly unscathed from storms the seasons prior, that doesn’t mean they weren’t weakened. It’s always a good time for homeowners to perform an assessment of their trees’ health and have their trees evaluated by a certified arborist read more

DUI: Not the End of Auto Insurance Coverage But It’ll Cost You

Drink and drive

It comes as no surprise that being cited for DUI and auto insurance are linked. If you have a DUI or OVI, it’s important to get a handle on your insurance options before you’re legally permitted back behind the wheel. Although regulations may vary by state and even by insurance company within a given state, read more

Why Did My Homeowners Insurance Premium Go Up, Without a Claim?

House made of $ Bills

Pricing homeowners insurance is complex, and there are probably several reasons behind your homeowners insurance premium increase. They could include: Inflation Increases in the value of your dwelling, other structures on your property and the replacement cost of your property would make your premium go up. Though there’s an increase, it means your property is adequately read more

Do You Need Umbrella Insurance?


One of the most certain things in life is, certainly, uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of read more

Water Damage Emergency Tips

Storm Warning

Water damage caused from ruptured pipes, faulty appliances, backed-up drains, and heavy rainfall,  lead to the most common reason people make a claim on their home insurance. Regardless of the source, when you are dealing with water damage, immediate action is crucial. Below are steps that you can take to minimize additional water damage and costs read more

Buying a New Car? Call Your Insurance Agent!


Car shopping is an exciting time. You can’t wait to drive off the lot in your new vehicle and enjoy that new car smell! The car dealer assured you that he would contact your insurance agent and not to worry, so you think your work is done. After all, you signed all the paperwork and read more

Did You Know? Facts About Mortgage Insurance


Primary mortgage insurance, or PMI, protects lenders in the event that borrowers default on their primary mortgage by ceasing to make payments, resulting in homes ending up in foreclosure. But all borrowers do not have to pay PMI. Typically, home buyers must make a 20 percent down payment on a home when they buy it.  read more

Why ‘Spending 15 Minutes or Less’ Can Hurt You

Stop Watch

Buying insurance is one of the most important decisions you’ll make. Who you buy it from can be the difference between devastation and recovery when disaster strikes. As an independent agency, we are grateful for those that chose to buy through an independent insurance agent. Today’s TV and media ads bombard you with the message read more