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What is Excess & Surplus Lines Insurance? In the U.S., insurance is regulated by the states. For most insurers, the state's Insurance Department will approve the policy language and the premium rates to ensure they are fair. These...

Ingredients 2-6 washed and dried apples 2-6 apple skewers An 11 oz bag of caramel cubes, unwrapped 2 tbsp of heavy cream Caramel apple bags (optional) Any or all of the following: Sprinkles, candy corn, candy faces, shredded coconut,...

We know you would probably rather be preparing for pumpkin carving, pumpkin spicing, and maybe even punkin chunkin but when your home is your biggest investment, as it is for many of us, we just don’t have that luxury until everything...

This month, your water bill seems excessively high. A further look shows a break in your underground water pipe! To get to the source of the damage and complete major repairs, your front lawn must be excavated, leaving you with a...

Umbrella Insurance: Additional coverage that goes above and beyond the limitations and scope of other insurance. Its purpose is to shield policyholders against significant legal actions and liabilities. In other words, Umbrella...

The ownership of e-bikes is increasing and expected to be double by the year 2030 according to Precedence Research. Why are they so popular? Environmental awareness, avoiding traffic, accessible parking and plain ‘ol fun are just a...

August begins right in the middle of the “dog days of summer,” the hottest and most sultry time of the year. Ancient cultures believed that the excessive heat was caused by the alignment of Sirius, the Dog Star, with the sun during...

Hurricane season in the U.S. is inevitable, resulting in billions of dollars of damage annually for home and business owners. These tropical cyclones hit the south and east coasts primarily between June and November, but you can start...

In turbulent economic times, when faced with financial headaches, it can be tempting to let your auto insurance lapse… after all, you’ll have every intention of jumping back in as soon as the dust settles, right?Back up. Not only is...

Do you even need homeowners insurance for a condo or townhome? The short and swift answer here is, “yes, absolutely.” Especially if you take out a mortgage on your home (your lender will probably require insurance). Where things get...

Unique vehicles require special auto coverage.A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own—or are thinking of owning—a special set of wheels, find out...

An umbrella policy is an inexpensive way to help protect yourself against significant claims where damages exhaust your primary policy limits and threaten your finances and your lifestyle.Here are 5 scenarios where umbrella coverage....

6 to 8 servingsThe Filling2 cups rhubarb in one-inch pieces3 cups strawberry halves1 cup sugar3 tablespoons ''minute'' tapioca3 tablespoons unsalted butterThe Crust2½ cups all-purpose flour and a little extra for dusting½ teaspoon...

Until very recently, flood insurance policies were almost all written and funded by FEMA through the National Flood Insurance Program (NFIP). In December of 2022, the Federal Housing Administration began allowing buyers of properties...

The “fun in the sun” season is upon us. But before you take a dip in the pool or hop on your brand-new motorcycle for a ride, be sure you and your loved ones are covered in the event of a vacation mishap.It’s important to evaluate your...

Catalytic converters are designed to act as a line of defense against harmful exhaust emissions by turning pollutants into harmless gasses. The technology used in these emission control devices includes many precious metals — like...

The decision to file a claim for your auto insurance is a big one. Yet, when you have significant damage to your car, it is worth doing so. As a driver, one of the biggest and sometimes unavoidable obstacles you face is the pothole....

If you find yourself in possession of a house with no occupants, a vacation home, a retirement home or a home that you are planning to rent out someday, you may question whether it’s worth buying home insurance to protect it while it...

When you buy life insurance, you probably have an idea in mind about where you want your policy to go. You might want to use it as a vessel to provide money to loved ones for specific purposes. As a result, you might only want your...

And time to review your flood insurance needs.The 2022 Neptune Consumer Survey of Flood Risk Awareness shows that many homeowners who need flood insurance do not have that protection in place. Why? The Neptune survey...

Getting ready for a cross-country (or local) motorcycle ride? www.motorcycleroads.com lists the top 25 routes in the US. Add these to your motorcycle bucket list now!25 – Mexican Hat to Bryce Canyon (Utah), 293 miles 24 – The Palomar...

The weather is warming up and you may already be thinking of the summer. If you’re a boat/yacht owner – or plan on becoming one - there are a few insurance-related things to think about before hitting the waves.Make sure you have the...

Prep Time: 10 minsCook Time: 45 minsTotal Time: 55 minsServing Size: 8 INGREDIENTSIRISH SODA BREAD:3 1/4 cups all-purpose flour3 tablespoons dark brown sugar1 teaspoon baking soda3/4 teaspoon kosher salt5 tablespoons unsalted butter...

The premium on my personal umbrella increased in the middle of the policy term. My insurance agent says it’s because we added a teen driver. This doesn’t seem fair since our child is a good student and is covered by our auto policy....

Buying life insurance is a big decision. It is an essential one for those who have dependents. Having the right amount is also important. But, putting a value on your family’s needs is difficult. A key concern is your family’s cost of...

This delicious Coconut Turmeric Latte is the ultimate healthy indulgence. It tastes like a creamy dessert coffee but is so good for you. Don't worry, even though you don't taste the turmeric, you still get all of its health benefits....

If you haven't purchased life insurance outside of the workplace or reviewed your life insurance needs in a while, add it to your New Year's Resolution list right now. Life insurance often seems like a costly investment for those who...

Standard homeowners and renters insurance policies include coverage for personal property. However, there are special limits of coverage for certain items, meaning that the insurance company will not pay more than the amount specified...

Use the following tricks to keep your holiday green:Recut - Give your new tree a new cut by sawing an inch off the bottom, ensuring a level base, and helping it absorb water.Daily Water - Once a week is a recipe for disaster. Top water...

What we all need right now is some comforting warmth and a good old sprinkling of early festive cheer. This delicious warm mulled spiced apple cider has got you covered on both counts. Make this in your slow cooker and your house will...

In some cases, your home’s state of disrepair can become a costly problem for an insurer. When you have loose shingles on your roof, doors that are cracked or easily compromised, or debris lying around your yard, you increase the risk...

Who doesn't love a sale? With Thanksgiving just around the corner, we're all counting down the days until Black Friday, the biggest sales day of the year. For some who plan well, Black Friday is also a chance to get all of their...

This year, add something fun to the Thanksgiving menu that will please the kids and the kids in all of us. Sweet potato tater tots are in-theme with the holiday and are delicious. They can be prepared in advance and frozen, ready for...

As the temperature drops and the days grow shorter, we can’t help but to begin thinking about the upcoming holiday season. Halloween starts it off! This year, be the first to hold a party and get the holiday festivities started....

Solar panels are a great way to offset energy costs, reduce the environmental impact of your home, and you could even earn tax credits or rebates.[1]However, if there is a loss to the panels, paying to replace a damaged system could...

Why we're seeing increasing auto ratesA number of pandemic-related trends are driving up auto insurance rates throughout the industry and across the nation. Inflation has possibly had the biggest impact — as the cost of goods and...

What is an umbrella policy?Personal umbrella insurance, or personal umbrella coverage, protects you and your family when you've exceeded the liability limits on your auto and/or property insurance policy. Your assets, home equity,...

September is Life Insurance Awareness Month and a great time to celebrate financial security. What? You don't feel financially secure? Then September is a great month to review the life insurance needs of you and your family. Life...

It can seem as though there is always something that needs doing in your home. There is always a bit of maintenance that your home could use, depending on the season, the age and condition of your home, and the previous maintenance...

Leaving home for college can be an exciting experience. In the excitement, parents may overlook the fact that college students encounter insurance issues which haven’t been considered. Before there’s an auto accident, a fire in, or...

Heatstroke can be incredibly dangerous this time of year for pets. Every year, people lose their pets to this preventable problem. To help you protect your pets from harm this summer, check out these tips for preventing heatstroke in...

You love your nonhuman family members! Dog, cat, parrot, or iguana; they are part of your brood.But what happens when your pets cause damage to others, whether it be property damage or bodily injury?As your family member (and because...

The Swiss Army knife is a wonderful multi-tool. Whether you need a knife, a screwdriver, or a bottle opener, the Swiss Army knife has your back.Your auto insurance policy can be a lot like a Swiss Army knife. It may not be able to cut...

A heat wave is a prolonged period of excessive heat, often combined with excessive humidity. Excessive heat is determined by Heat Index Values. The heat index, also known as the apparent temperature, is what the temperature feels like...

Despite soaring gas prices, many are choosing to take road trips because of the lower health and safety risks, and more affordable prices when weighed next to flying.Long hours in the car still pose their fair share of risks, however....

HOW TO MAKE PESTOprep time: 5 MINUTEStotal time: 5 MINUTESyield: 1 1/2 cups DESCRIPTIONLearn how to make pesto with this classic fresh basil pesto recipe. It’s easy to make in the blender or food processor with just 5 main ingredients,...

Popular waterways are the central hub of personal watercrafts (PWCs). Enthusiasts know that preparation is vital to staying safe on the water and keep safety gear at hand. There is a way to add one more layer of protection, and that's...

'Tis the season! The season of peppers? Sure. The season of tacos and cheesesteaks? Always. And yes...spring is the season of low carbs for those who may be getting summer-ready. Taco and Philly Cheesesteak Stuffed Peppers are easy to...

Before you know it, we will be experiencing those hot, humid days of summer, which often bring intense rain and thunderstorms. Even if you don't live in an area that typically gets regular summer storms, it only takes one big one to...

Whether you are held responsible for a serious auto accident or an injury on your property, you can quickly find yourself responsible for damages that exceed the liability limits on your home, auto, renters, or boat policy. An...

In the last few years, there has been a surge in specialty vehicle sales—from recreational vehicles in the spring to boats in the summer. As the seasons change, it's time to shift focus to the specialty vehicles consumers will be...

What is wedding insurance and why do I need wedding insurance? The cost of a wedding can be considerable, and tying the knot often means being tied to specific dates and financial commitments with a variety of vendors. A basic wedding...

Spring cleaning is fully underway as the snow melts and the flowers begin to bloom. Read our home maintenance and safety checklist to ensure you’re ready for March. Hallways Test carbon monoxide and smoke detectors. Hold the test...

This Irish apple cake is like a spice cake with the extra addition of juicy apples! READY IN: 1 hour SERVES: 10-12 INGREDIENTS 4 tablespoons butter, softened (room temperature) 1 cup granulated sugar 1 egg, beaten(room temperature) 4...

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do daily, there's the risk of identity theft. You could unknowingly give your information to a fraudster thinking you're shopping at a legitimate site....

5 Car Tire Tips for Spring It’s been a long, cold winter across most of the country, but spring is finally here. This is a good time to get your car back into shape after a tough season facing frigid temperatures, snow, ice, and now...

If you lose your ring in the lake, is it covered on your homeowner’s insurance policy? If you lose your ring in the lake, is it covered on your homeowner’s insurance policy? Your home policy may protect your valuables up to...

Have you ever wondered what goes into determining your home insurance premium? Below is a list of just some of the items used to determine how much you will pay to insure your home. Have you ever wondered what goes into determining...

With the extra time at home, people have been starting to find ways to save money including shopping for cheaper insurance. However, does cheaper insurance actually save you money? If you are looking at switching things up, consider...

With the extra time at home, people have been starting to find ways to save money including shopping for cheaper insurance. However, does cheaper insurance actually save you money? If you are looking at switching things up, consider...

While states continue to re-open, that means there are more people on the road and increased risk of accidents. While we hope you never have to use them, below are some steps to follow in the event you are in an accident. Stay Calm If...

What is an umbrella policy? A policy that provides additional liability coverage that kicks in ater your other insurance policies have reached their coverage limits. Personal Umbrella policies typically offer between one and five...

When insuring your home there will be many different terms thrown around, especially regarding the cost of your home. Do you know the difference between replacement cost and market value? Replacement Cost Covers repairing or replacing...

Home Insurance – What it doesn’t cover A standard homeowner’s policy has exclusions, including earth movements (landslides, earthquakes, sinkholes), power failure, war, nuclear hazard, government action, faulty zoning...

When severe storms are on the way…are you prepared? The summer months are times for playing outside, laying by the pool, and yard work. Unfortunately, they can also bring severe weather including thunderstorms, hail, floods, and...

As we continue to spend more time at home, now is a great time to put together a home inventory list. A home inventory list will help in determining the value of your personal property to ensure you are properly covered. Items to...

Do you have a student going back to college in the coming weeks? If so, it is important to remember these tips when reviewing both your home and auto insurance policies to ensure you have proper coverage while your student is away at...

What does my credit score have to do with my insurance? In most states, insurance companies use what is called a credit-based insurance score in underwriting decisions and to determine home and auto premiums. The insurance score is...

BOAT & WATERCRAFT INSURANCE Most home insurance policies have limited coverage on boats. If you own a boat, purchasing watercraft insurance will ensure you have adequate coverage for theft, damage, and injuries or accidents while you...

WHAT IS UMBRELLA INSURANCE? An umbrella policy (also known as excess liability coverage) provides liability protection above your standard homeowner, auto or boat insurance. WHEN DO I NEED AN UMBRELLA POLICY? Below are some examples of...

WHO WE ARE We are one of the largest personal lines insurance agencies in the country offering a simplified insurance experience. By working with the most financially secure insurance carriers we are able to provide our clients with...