May 04, 2018 @ 12:00am

To most people, when they hear the word “audit” they immediately have unpleasant thoughts and want to throw out both hands and scream “NOOOOO”.  Many people associate audits with taxes and the big, bad IRS and usually nothing good can come from this experience. But not all audits are bad!

May 04, 2018 @ 12:00am your business owns, operates, maintains or uses mobile equipment in some way or another. Many times, there is confusion as to what is actually considered “mobile equipment,” and does it differ from an “auto.”

First, let’s start off by understanding what “mobile equipment” is and what an “auto” is, since the two are often lumped together within the insurance universe.

May 04, 2018 @ 12:00am

For home or rental property owners, freezing pipes are a big concern during the cold winter months. The pipes most at risk are exposed pipes in unheated areas of the home, pipes located on exterior walls, and any plumbing on the exterior of the home. Here are our top fours tips for making sure your pipes won’t freeze this winter.

May 04, 2018 @ 12:00am

Winterize Your Home and Vehicle

We can’t always avoid winter storms, but we can take precautions to be prepared for the unexpected and recover with as little damage as possible. Things such as winterizing your home and vehicle are some of the best ways to reduce damage.

May 04, 2018 @ 12:00am

As the leaves start changing color and the weather starts cooling down, it can only mean one thing; fall is here. When we think of fall, pumpkins, sweaters and corn mazes all come to mind. And with so many activities and so little time, it’s easy to forget that fall is a time to be thankful. With the holidays approaching, there is no better time than now to start getting into the holiday spirit!

May 04, 2018 @ 12:00am you know you can save money on your home insurance if you have recently updated your roof, furnace, electrical or plumbing?

Most companies will require proof of the improvements, such as receipts for shingles or other supplies.

May 04, 2018 @ 12:00am

One of the most used phrases we hear as an insurance agent is “my house is not worth that much!”

It can be very confusing: market value, actual cash value, assessed value, and replacement reconstruction cost and guaranteed replacement cost.  Which one is right? The answer is: it depends.

May 04, 2018 @ 12:00am one plans to have a house or apartment fire. There is no advance warning like with a snow or thunder storm. So what can you do to be prepared?

May 04, 2018 @ 12:00am (Construction, Occupancy, Protection and Exposures) is a way to classify real property for the purposes of insuring it as an asset. In order to do this correctly, a district needs to create a list of questions including:

May 04, 2018 @ 12:00am best to protect and make their property as “marketable as possible” to the insurance carriers who underwrite their coverage.


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