"When my father didn't have my hand, he had my back. " Linda Poindexter

To all the fathers, we wish you a wonderful Father's Day!

You and your parents survived.  You graduated.  Now, as you make a major transition from college to the work force, you are faced with big decisions.

One of them is insurance. 

Here are insurance decisions you will need to make:

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"When my father didn't have my hand, he had my back. " Linda Poindexter

To all the fathers, we wish you a wonderful Father's Day!

You and your parents survived.  You graduated.  Now, as you make a major transition from college to the work force, you are faced with big decisions.

One of them is insurance. 

Here are insurance decisions you will need to make:

  • Are you going to stay on your parent's health insurance program?
  • What about your parent's auto insurance policy?  Or are you branching out on your own?
  • If moving out from your parent's home, think about the renter's insurance you will need to cover your personal belongs and liability?

Need help with these insurance decisions, give us a call and we will be glad to go over your options.  Congratulations as you embark on the next step of your life's journey.

Before starting a project that requires a ladder, here are a few things to remember: 

  • Carefully inspect the ladder for defects, such as cracks, corrosion and that bolts and rivets are secure.
  • Make sure the ladder's feet work properly and have slip-resistant pads.
  • Use a fiberglass ladder if you are going to be working with electricity.
  • Look for a safe location with a firm, level footing and rigid support for the top of the ladder.    Refer to your manufacturer's guidance.
  • Never carry any load that could cause you to lose your balance.
  • Never stand on the top of the ladder.
  • Plan your project before beginning to insure your safety.

We all have our "Honey Do" lists and are working on our gardens and planning our landscapes.  But did you know that landscaping can improve or hurt your property values which affect your insurance premiums?  That's right!

Here's some tips on how to protect your home's value.

Consider adding mature trees to your property.  According to the USDA Forest Service, healthy, mature trees add an average of 10% to a property's value.  Mature trees need lots of room due to their root structure so don't plan them close to your home, driveways or patios. 

Don't let vines grow up your home.  They can damage bricks or paint.  So, consider your growing ivy as a threat to your home's structure.

Think about adding prickly bushes which can deter burglars.  Put them in front of windows, especially in the front of your home.

Have a landscaping plan that includes lots of native plants and trees.  Pick varieties that are grown locally.  They provide food and homes for butterflies, bees, birds, and other wildlife.  They also don't require as much maintenance since the plants adapt to the water source in your area. 

Finally, still feel lost, consult a landscaping expert to provide you with the information you need to create a garden that increases the value of your home.

On behalf of all of us at the agency, we wish you a wonderful Mother's Day filled with love and new memories.

Don't forget!  Support your local small businesses as we wrap up Small Business Week. Help our community thrive by shopping local.  In addition, post a message on your Facebook page to keep our neighborhoods vibrant and alive.  

Ah, that Rottweiler puppy is so cute, you adopted a Doberman, your family gave you a pit bull, what do they all have in common - they are three of the top breeds blacklisted by insurance companies.  In some states insurance has been denied to households with certain breeds.  Why?  Because, according to Allstate Insurance, the average claim was close to $30,000.  And in Washington, the state's Supreme Court jury awarded $2.2 million to a woman who was attacked by pit bulls.

 So, before, buying, adopting, or inheriting a dog, check with us and we can work with you to present your options and what you might do to safeguard your home and visitors from your pets.

Warmer weather is here, and we're looking to implement home upgrades that you have planned all winter.  If you are remodeling your kitchen or bath, adding a room, replacing your roof, or upgrading your plumbing and electrical, then give us a call.

These upgrades can affect your insurance coverage as well as provide you with discounts for upgrades.

Good luck with your home remodeling, and remember we are here to help.

With temperatures starting to change, now is the time to take a Flood Risk Profile to learn your flood risk. You might not think you are in a flood zone, but make sure.  Spring thaw brings heavy rains which overflow streams, rivers, and lakes near your homes and your businesses. Just a few inches of rain can cause thousands of dollars in damages. FEMA has created a "Spring is Flood Season - Understanding and Reducing The Risk" flyer with helpful tips in preparing an emergency plan, conducting a home inventory and finally purchasing flood insurance.  Simply click here

Give us a call to find out how inexpensive this vital product is.

According to OSHA, about 20,000 injuries and 300 deaths happen every year due to ladder falls.

Ladder accidents are preventable but safety training needs to be conducted to make sure there is a decrease in ladder-related injuries and fatalities.  Put in policies and procedures to inspect and dispose of old, damaged, or obsolete leaders.  Need a training module go to www.laddersafetytraining.org.

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