Home Safety for Halloween: Property and Liability

A front door that is black with 3 pumpkins on the stairs for HalloweenTrick or treat! With over 180 million Americans planning on celebrating Halloween this year and over $9.1 billion dollars spent on candy and decorations, it is understandable that there will be a significant rise in property damage, safety risks, and liability issues that will haunt many homes and businesses this Halloween. With these increased risks comes increased responsibility to ensure your home or business is safe and covered. Below are useful tricks that will help prepare your home for the frightful night.  [Read more…]

Why You Need Personal Property Insurance on Your Motorcycle

A man walking away from a motorcycle with a helmet in his armsYou can’t predict when something will be lost or stolen, but you can be prepared and covered should it ever happen to you. Personal property insurance is often overlooked, though it is very important, especially if you plan to ride with expensive equipment. Whether you’re going for a quick ride, to a rally, or on a road trip with friends, the last thing you should have to worry about is replacing lost or stolen gear. Personal property insurance helps put that worry to ease. [Read more…]

The DIME Formula: How Much Life Insurance Do You Need?

Man filling out paper work at a deskEstimating life insurance can be an intimidating task if you are not sure where to start. While there are multiple tools and strategies that help people project how much life insurance is needed, the most effective and simplest tool is the DIME formula. The DIME formula is an easily remembered acronym that stands for Debt, Income, Mortgage, and Education. Today we will break down each letter of the DIME formula to ensure you are best prepared to keep your family’s future secure. [Read more…]

How Condo Ownership is Different Than an Apartment

How Condo Ownership is Different Than an ApartmentOwning a condo is becoming an attractive option for a lot of people because of the convenience of “condo life”. Not only are condos often less expensive, but they also require less maintenance than single-family homes. As renters start looking for options to become property owners, buying a house or owning a condo can be a difficult decision to make. Here are some insights you can expect when you are transitioning from renting into condo living. [Read more…]

Why Welders Business Insurance Will Protect Your Company

Essential Insurance Policies for your Welding Business As a welding specialist, you spend the day using flame-cutting equipment to bring together parts of metal. Needless to say, you work in a high-risk environment. Any problems or injuries that arise from this line of work can result in serious consequences for your business. Determining the best welders business insurance policies for you and your staff will ensure your business is protected from claims and financial damage. [Read more…]

Signs of Foundation Damage

Signs of Foundation DamageWhen purchasing a new home or making renovations on your existing home, there might be more important issues to address such as fixing your home’s foundation instead of installing a pretty backsplash in your kitchen. Fixing your foundation might not be the most exciting part of your home makeover, but it is the most important. Signs such as little cracks and sloping uneven floors can turn into major issues—both structurally and financially. Let’s review the most common signs of foundation damage to your home. [Read more…]