How to Prevent House Fires & What to Do if One Occurs
Posted: October 2, 2024
October is National Fire Prevention Month, making it an ideal time to raise awareness about fire safety at home. House fires have devastating consequences, and preparedness is critical to reducing risk. According to the National Fire Protection Association (NFPA), U.S. firefighters respond to an average of 346,800 house fires annually, resulting in over 2,500 deaths and billions in property damage. Understanding how to prevent fires...
When is a Car Considered Totaled—And What Happens When It Is?
Posted: September 30, 2024
The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent in the first year and approximately 10 percent each additional year for the...
What Happens If My Neighbor’s Tree Falls in My Yard?
Posted: September 27, 2024
For the most part, homeowners are responsible for what falls into their own yard. So, if a storm causes your neighbor’s tree to fall in your yard, your homeowners' insurance could help cover the cost of removing the tree and remedying the damage it caused on your property after your deductible. The same is true in reverse: If a tree on your property falls in...
How Named Storms Affect Your Insurance Coverage
Posted: September 23, 2024
When a hurricane is on the way, you have to act fast. While you’re making an evacuation plan or stocking up on bottled water, the last thing you want to be thinking is, “Will my insurance cover what happens after this?” Yes, hurricanes can be devastating – personally and financially. But anxiety can keep you from being present to what matters most. We want you...
5 Reasons Life Insurance Matters
Posted: September 22, 2024
September is Life Insurance Awareness Month, a time to reflect on the benefits of life insurance and its vital role in securing your family’s future. Life insurance is more than just a policy; it’s a commitment to providing your loved one with financial security and peace of mind in the following five ways: 1. Financial Protection for Loved Ones One of the primary reasons people...