Difference Between Replacement Cost & Market Value

Difference Between Replacement Cost & Market Value

Replacement cost and market value are terms that are often repeated, but what do they mean? When you purchase a home and a homeowner insurance policy, you’ll have to make quite a few decisions about your coverage. Understanding the difference between replacement cost and market value will help you make the choice that is best for you and your Read More

College Campus Risks

College Campus Risks

College students are presented with various risks, and the best way to learn about the risks is to talk about them together. The FBI reports that 80 percent of crime on college campuses is property-related, with most losses involving theft. Even a modest theft can be a significant burden for college students.  Most items in a college dormitory are Read More

What to Do Before Help Arrives in Case of Fire, Smoke, and Water Damage

What to Do Before Help Arrives in Case of Fire, Smoke, and Water Damage

Fire and Water Damage can be nasty things, even if they are dealt with right away. There are important do’s and don’ts you must know about. Fire and smoke can leave behind soot, smoke damage, fire damage, and a variety of other problems. Floors, ceilings, walls, woodwork, and carpeting will often need to be professionally cleaned in order to be Read More

How to Protect Your Commercial Property From Pranksters & Vandalism

How to Protect Your Commercial Property From Pranksters & Vandalism

Even if pranks don’t physically hurt anyone, they can still be quite costly. Several years ago in Nebraska, a prank caller phoned a national brand name hotel and caused them more than $100,000 in damages. The caller, acting as a hotel employee, convinced a guest to set off the sprinkler system after having said that a gas pipe had broken and the Read More

Ladder Safety: Keep Yourself Up

Ladder Safety: Keep Yourself Up

Ladders can be our friends, but one false step makes them into our worst enemies. Ladders help reach those impossibly high places that we simply cannot get to. From helping us do simple jobs like replacing a light bulb, to those more professional-grade jobs like installing electrical and plumbing equipment precisely where they need to be to ensure Read More

How To: Avoid Carbon Monoxide Poisoning

How To: Avoid Carbon Monoxide Poisoning

Follow these helpful tips to avoid succumbing to carbon monoxide poisoning. Carbon monoxide (CO) poisoning is a more common and serious problem than you may think. Roughly 500 people die, and 15,000 fall sick every year, and nearly all cases reported could have easily been prevented. CO is an invisible and odorless gas, which is why it’s so Read More

Healthy New Year’s Resolutions

4 Healthy New Year’s Resolutions To Consider

These resolutions can help you feel your best while lowering your health insurance costs! If you didn’t make any New Year’s resolutions yet, don’t worry, there is still plenty of time to start thinking of what changes you want to make. To help you start feeling your best this year, keep these healthy New Year’s Resolutions in mind. Quit Read More

Marijuana & Insurance: What Employers Need To Know

Marijuana & Insurance: What Employers Need To Know

How marijuana could be changing your business’ insurance needs. Gone are the days where marijuana was something that took up the focus of only a minority of the population in the United States. Today, the increased legality of this substance across our country has brought it into the spotlight for essentially all Americans. Employers, in Read More

Safety When Using Uber & Lyft Transportation

Safety When Using Uber & Lyft Transportation

Safety Tips For Uber & Lyft Users Getting around is getting easier. Gone are the days when an expensive cab ride was your only option for getting home after a night out; today you can use rideshare services. With rideshare, you just download an app like Uber or Lyft to your smartphone, then use the app to call a ride. You get a quote for your Read More

The Homeowner's Guide to the Personal Articles “Floater” Insurance Policy

The Homeowner’s Guide to the Personal Articles “Floater” Insurance Policy

How the Personal Articles Insurance Policy Can Protect You You trust your home. It protects you and your family against the elements, provides a safe space for growing and learning to take place, and has probably served as the backdrop for many of your favorite memories. Because your home is such a sacred place, you likely store your valuables in Read More