From the category archives: Insurance Protection Blog

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Parents Shape Teens into Responsible Drivers

Besides graduation day, the day a teenager gets their driver's license is one of the most important days of their lives. It's something they've looked forward to for years, that feeling of freedom once they hit the open road. Unfortunately, parents don't always share the same vision. As your child begins to get behind the wheel, there are some things you can do as a parent to help maintain your child's safety, and your sanity. Kids learn from the examples they are given, which means that children can pick up on their parents' bad driving habits. On the other hand, if you come to a complete stop at stop signs and consistently wear your seat belt, there's a good chance your child will follow suit. Safe and responsible driving is just another thing parents pass down to their children. Department of Education statistics show that students perform better in school when their parents are involved in their education. This holds true for driver's education, as well. Parents who understand the process of getting you ...
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Choosing a Home Improvement Contractor with Confidence

Whether you're looking to do to some major remodeling or if your home just needs some basic repairs, deciding on a contractor for your home improvement project can be difficult. It's certainly not a decision you should make in haste. Most homeowner's insurance policies include four basic types of coverage: * Repairs to the home because of damage caused by specified disasters * Replacement of items lost due to theft or damaged by specified disasters * Liability coverage * The cost of temporary housing in the event that a specified disaster causes significant damage to the house While all these protections are equally important in the long run, when it comes to home improvements, your liability coverage will take the forefront. This form of protection will insure you against any injury claims made by uninsured workers, as well as property damaged during the project. Liability protection will also pay for the cost of your legal defense in any related court cases and will cover any money awarded to injured ...
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Have You Tested Your Home's Fire Alarms Lately?

A recent study from the National Fire Protection Agency, or NFPA, found that around 95% of U.S. homes have one or more smoke alarms installed throughout the house. Unfortunately, that same study revealed that the number of homes with nonfunctioning smoke alarms vastly outnumbered the amount of homes with no alarms at all. This shows that many homes are relying on broken and battery-less alarms to save their lives in the event of a fire. By following the advice of experts and maintaining a testing schedule, you can make sure your alarms will be ready when you need them the most. Fire safety begins with purchasing the right type of smoke alarm, as dictated by your building code’s power requirements. The common types that are required vary from standard battery-operated alarms to ones that are wired into the home’s electricity. For individuals who have difficulty hearing, smoke alarms with flashing lights and devices called “bed shakers” are used along with audible alarms. Always purchas ...
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Choosing a Home Improvement Contractor with Confidence

Whether you're looking to do to some major remodeling or if your home just needs some basic repairs, deciding on a contractor for your home improvement project can be difficult. It's certainly not a decision you should make in haste. Most homeowner's insurance policies include four basic types of coverage: * Repairs to the home because of damage caused by specified disasters * Replacement of items lost due to theft or damaged by specified disasters * Liability coverage * The cost of temporary housing in the event that a specified disaster causes significant damage to the house While all these protections are equally important in the long run, when it comes to home improvements, your liability coverage will take the forefront. This form of protection will insure you against any injury claims made by uninsured workers, as well as property damaged during the project. Liability protection will also pay for the cost of your legal defense in any related court cases and will cover any money awarded to injured ...
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Ice, Snow and Wind Can have Devasting Consequences on your Home

The time to winterize is when the leaves begin to turn and not when the snow begins to fall.
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Common Causes of Household Fires and How to Prevent them

Faulty wiring and outlets are one of the top causes of house fires.
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