New Homeowners, Build Relationships With Local Tradespeople Before a Catastrophe Strikes
Regular maintenance and repairs are a big part of homeownership. Some tasks make great DIY projects, while others are less straightforward. Even with the best maintenance routines, you might have to make an insurance claim someday due to damage from a storm or another catastrophe. Reconstruction tasks can be complex and require specialized skills from […]
Summer Driving Hazards
Driving during the summer, especially over a holiday weekend, increases your odds of being in an accident. That’s because of the high volume of cars on the road, roadwork, impaired drivers and erratic driving behavior. Summer is also when teen drivers hit the roads in force. AAA refers to the 100 days between Memorial Day […]
Market Trends: Rising Home Insurance Rates
Home insurance prices fluctuate based on your home’s location, value, age, and construction materials. The national average for home insurance is around $2,614 per year for $250,000 in dwelling coverage, according to MoneyGeek. Rates have increased steadily in areas with extreme weather like floods, wildfires, tornadoes, or hurricanes. And with inflation driving up the cost […]
Health Screenings at Work
Your workforce is your company’s biggest strength. However, when that workforce isn’t as healthy as it could be, the organization suffers. Keeping your employees physically and emotionally healthy is a key part of keeping your organization strong. Unfortunately, sometimes a doctor’s appointment takes significant time out of the day. It can be particularly challenging for […]
Sewer Backup Coverage for Homeowners
Homeowners: Let’s talk about sewer backup coverage We’re so happy that you have your homeowners policy with us, and we want to make sure you have all the coverage you need to keep your home safe and protected. Many people assume common catastrophes like sewer backups, earthquakes and floods are covered by their standard homeowners […]
Prevent Freezing Pipes in Extreme Cold
It’s that time of year again: cold snap season. Plumbing systems can freeze when temperatures take a sudden nosedive past the freezing mark, or 32 F. And when water freezes and expands within a pipe, the pipe can burst. Here are some tips to protect your plumbing during extreme cold: Turn one faucet to a […]
Why Is Your Deductible So High?
As we move past the emergency phase of the COVID-19 pandemic, it’s tough to predict how much health care costs will increase. But one thing most experts agree on is that costs will indeed go up, anywhere between 4% to 10%. Prescription drug spending is also expected to rise. Rising health care costs Health care […]
Are Your Holiday Gifts Safe for Children?
The Consumer Product Safety Commission reports toy-related injuries led to 206,400 emergency room visits in 2021. Most of them involved children 12 and younger. To enjoy this year’s holiday gifts worry-free, educate yourself about the dangers of toys and how to keep your kids safe. Common toy-related injuries According to The Emergency Center, an independent […]
5 Before-Work Strategies To Improve Your Workday
Your morning sets the tone for the rest of your day. To achieve a positive, productive effort at work, it helps to maximize your time before you clock in. Try these five strategies to establish a routine that jump-starts your morning and builds momentum for a better day: Make time Rushing to get ready starts […]
Avoid Surprise Hikes to Your Medicare Premiums
Nobody wants to be surprised by higher premiums — especially in retirement. With Medicare Part B and Part D, there are strategies that may help you avoid increased monthly payments. The issue Most people receive Medicare Part A (hospital insurance) for free. But monthly premiums apply to every individual with Medicare Part B (medical insurance) […]
Homeowners, Solar Panels Are Green but Improper Insurance Might Make You Blue
Your rooftop solar system is installed, the panels are powering your daytime routine and you’re amped you’re doing your part to reach a zero footprint. Then the tornado touches down. Your home is destroyed, but it’s a covered peril, and your homeowners coverage responds without a problem. Your homeowners policy limit is $200,000. That’s just […]
Does Your Medicare Advantage Plan Meet Your Needs?
From a physical and financial health perspective, it’s wise to examine your Medicare Advantage coverage each year. Medicare open enrollment takes place annually from Oct. 15 through Dec. 7. This makes fall a good time to start planning for the year ahead. The following considerations can help you determine whether your current plan meets your […]
Do You Own a Recreational Drone?
Recreational drones, sometimes called unmanned aircraft systems or unmanned aerial vehicles, are growing in popularity every year. The Federal Aviation Administration (FAA) reports that more than 871,000 drones were registered as of January 2023. And the number continues to grow. That means a lot of new operators and a lot of new opportunities for fun […]
5 Important Facts About Life Insurance
Life insurance is a smart way to protect what matters most. Contact us today. Sources: By Applied Systems, Inc.
Motorcycles and Insurance
Driving a motorcycle can be liberating, but it can also be dangerous. There are unique risks involving motorcycles, and accidents can be severe. The right insurance coverage is essential to protect yourself, your passengers, other drivers and your bike. Standard motorcycle insurance policies cover bodily injuries, property damage and liability to others. They can help […]
How Nutrition Impacts the Brain
Nutrition plays a critical role in brain function, as the brain is one of the most metabolically active organs in the body. The brain requires a constant supply of nutrients to maintain its structural and functional integrity, and a deficiency in any of these nutrients can significantly impact brain health. Certain nutrients have been shown […]
May Is Motorcycle Safety Awareness Month
The National Highway Traffic Safety Administration (NHTSA) reminds drivers that safe motorcycle riding and driving habits can help save lives. The main contributing factors to motorcyclist fatalities in a crash are speeding and alcohol use. There are several ways motorcyclists can help ensure a safe ride: Look Twice Save a Life Motorists must remember that […]
Mental Health Minute
Elevating Your Psychological Resiliency Psychological resilience is the ability to mentally withstand or adapt to uncertainty and adversity. Building resilience to life’s inevitable changes and challenges can help you cope with and manage stressors. It can also help protect you from various adverse mental health symptoms. Health care professionals are noticing stress and anxiety developing […]
What You Should Know About Medicare Enrollment
Medicare is health care coverage for those age 65 and older. It’s important to understand Medicare enrollment and coverage options to avoid penalties down the road. Whether you’re reaching the age of 65 or you’re older and switching from your workplace insurance to Medicare, it’s important to know how to navigate enrollment. Understanding Medicare Medicare […]
Snowmelt Prevention Tips
As harsh cold warms to above-freezing temperatures, the accumulating water from melting snow and ice—also known as snowmelt—can lead to significant property damage. Review the following guidance for snowmelt prevention at your home. For more home guidance, contact us today. By Zywave, Inc.
Tips for Managing Stress
The majority of Americans experience stress frequently. A 2022 survey found 84% of Americans experienced stress weekly, up from 78% in the previous year. In the short-term, stress can make you feel frustrated, nervous or angry. But the consequences of prolonged stress may be more severe. Research has shown that long-term stress can lead to […]
Keep Seasonal Depression at Bay
During winter, you may experience seasonal affective disorder (SAD). To combat this condition, consider the following remedies: For more health and wellness solutions, contact us today. By Zywave, Inc.
Save Money on Energy in Your Household
According to the National Energy Assistance Directors Association, energy costs will reach a decade-long high this winter. Heating costs are predicted to rise 28% for U.S. households relying on natural gas and 27% for those using heating oil. Electricity costs are also anticipated to increase 10% per the U.S. Energy Department. Read on for tips […]
Staying Healthy in Winter
The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into December. Colds are also more common during the winter months. Read on for tips on keeping yourself and your family healthy this winter. Why Are Sicknesses More Common in Winter? Viruses transmit more effectively in cold and dry […]