4 Tips to avoid frozen pipes

Do you wanna build a snowman? You’ve seen the movie Frozen.  I think this is a safe assumption.  At this point, you would have had to exert significant effort to avoid it.  Or you would have to live under a rock.  Even if you’ve haven’t watched from start to finish, I’m ...

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National Fire Prevention Week

The power to save a life If you could save a life, If you could prevent a disaster, If you could protect children, Would you? The power to save a life is in your hands.  In a very real sense.  This is not an exercise in the  theoretical or hypothetical.  This is ...

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The Insurance Nerd’s fall bucket list

Insurance Nerds We are safety conscious.  And we are insurance nerds.  It’s an interesting combination, to say the least.  We’ve seen every “worst case scenario” actually happen to various clients over the years.  It’s enough to scare you straight and make you never ...

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Does your college student need Renter’s Insurance?

4 things to consider regarding Renter’s Insurance for college students:   Does your college student need renter’s insurance?  The short answer is “probably”.  If you have a Homeowner’s Insurance policy, it’s possible that it may extend to coverage to a ...

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Home Insurance 101

Know your Home Insurance policy Every homeowner who has a mortgage (and there’s precious few of us who don’t!) is required to carry homeowners insurance.  Most of us know that this policy will pay us back if the house burns down.  We know that it covers the ...

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How is Market Value different from Replacement Cost?

Have you ever wondered why your home or business is insured for an amount other than its re-sale value?  The amount of insurance you carry on the building itself is often different from its estimated retail value.  It even fluctuates slightly with the economy.  So why ...

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