Spring Maintenance for Your Home As spring rolls around, many homeowners should consider revitalizing their homes through post-winter maintenance. Winter can often damage a home, including its exterior, plumbing, and climate control systems. In anticipation of winter, try adding the tips below to your spring maintenance checklist. HVAC Maintenance During warmer seasons, air conditioning is more than just a luxury; it is a home essential. Therefore, HVAC maintenance is an essential part of spring home maintenance. Replace air filters to maintain and improve air quality. This also prevents strai ..read more

Streets and roads are not the exclusive domain of motor vehicles. In some areas, it contains cyclists as well as pedestrians. Prioritizing safety for everyone is paramount. Increased awareness of cyclists’ presence fosters a culture of mutual respect and caution. We can create a safer and more inclusive environment by respecting all road users and advocating safety measures. The Do’s for Cyclists Cyclists should heed the following tips to prevent accidents:  Wear proper safety gear: Always wear a helmet and reflective clothing to increase visibility and protect yourself in case of accidents ..read more

Employee theft is a major issue that many business owners must unfortunately confront, damaging employer-employee trust and creating an intolerable financial burden on operations. Taking proactive measures to prevent and address instances of theft is crucial to protecting the business community. On average, workplace theft results in a staggering $50 billion in losses each year. The Alarming Scope of Employee Theft The growing prevalence of employee theft is very concerning. Twenty-five percent of businesses have reported losses exceeding $1 million due to employee theft. Statistics also reve ..read more

Exciting Times Ahead Congratulations on your new home! Buying a new home is filled with fresh possibilities and the excitement of new beginnings. As you prepare to move into your home, it is important to ensure it is as stress-free as possible. Whether you’re moving across town or to a different state, taking these specific steps can make a big job less overwhelming. Assess Your Moving Needs Before starting the process, take some time to assess exactly what you will need to make the move, engage in an evaluation of the basics: Size of your household: Evaluate the belongings you need to move ..read more

If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: expensive. According to Home Bay, a real estate education platform, U.S. home prices increased an astounding 42% in the three years between March 2020 and March 2023. That data also showed that the national median home price rose to $468,000 as of 2022, up from $329,000 in 2020. With this massive fluctuation in real estate values, you may be wondering if your homeowners insurance is still providing the right level of protection. The answer, of course, will depen ..read more

Electrical dangers are serious business. From risk of shock to potential fires, you’ve got plenty of reasons to make sure your home’s electrical systems are in good shape and safe working order. Fortunately, in most houses, a simple walkthrough can help you identify and avoid the most common risks. (Having the right homeowners insurance can provide peace of mind, too.) Most fixes are simple and inexpensive, if not free. Take a few minutes and see for yourself whether any of your rooms require attention. Let’s start with… Outlets and switches Outdated or mis-wired outlets and switches are ..read more

Are you like the majority of Americans who don't have life insurance1, but say that they know they need it? With the price of everything from home to college and grocery to daycare costs rising, it’s more important than ever to get life insurance to help protect your loved ones. According to the 2022 Insurance Barometer Study, from Life Happens and the financial and insurance organization LIMRA, 2 in 5 parents say they are barely or not at all financially secure. It’s crucial to be prepared with life insurance on your household breadwinner, as 44% of survey takers said they would feel fin ..read more

In times like these, we’re always looking for ways to save a little extra, right? This leads many of us to seek out what we can do to add some more discounts onto insurance policies and cut down on some recurring monthly expenses. While, in general, insurance companies do not offer a discount on auto policies for having a dashcam, there are some surprising perks to having one that could save you a lot of money! What is a Dashcam? So, what exactly is a dashcam and why would you want one? While often referred to as dashcams, their full name is dashboard camera. As the name suggests, these ..read more

Understanding different types of life insurance policies and their unique benefits will help you choose the right option for you and your family. Term life insurance provides coverage for a limited amount of time and/or amount of benefit. Term insurance has no cash value. In contrast, whole life insurance1 is coverage that is in place your entire life, and it offers unique benefits, including the ability to accumulate cash value, which can be used to your advantage in a variety of financial scenarios.2 Let’s look at the features of cash value whole life policies, explore loan option ..read more

Running a business comes with many risks, from property damage to legal liabilities. While some business owners may see insurance as an unnecessary expense, the cost of failing to have adequate coverage can far outweigh the premiums paid. It is essential to understand the potential consequences of operating without business insurance. Financial Losses from Property Damage Property damage can occur unexpectedly due to natural disasters, accidents, or vandalism. Without insurance coverage, the financial burden of repairing or replacing damaged property falls entirely on the business owner. Cons ..read more