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Monday, Aug 22nd, 2016

BUY VS RENT? Either way homeowners (aka renters) insurance is needed!

Insurance KeysAs we recover from one of the worst national real estate markets on record, young millennials are again being enticed to buy homes. Mortgage rates remain low so data suggests it’s cheaper to buy a home than pay ever-increasing rents! But that decision isn’t always easy.

When deciding whether to buy or rent, there are many factors to consider, including, but not limited to, job stability, relocation, and relationships. When it comes to financing, costs associated with owning a home include the mortgage payment, property taxes, insurance, utilities, and maintenance – which, as many people know, can be never ending! And that’s not all. Many millennials graduate from college with thousands of dollars of debt.

Read the full article here...

Friday, Aug 19th, 2016

Healthy School Lunch Ideas & Packing Tips

Pokemon GoBefore I share these healthy school lunch ideas, I have a confession to make… Since we homeschool, this isn’t an area that I have daily experience with as I don’t need to pack lunches every single day (but much respect to all of you parents who do!).

Healthy School Lunch Suggestions

This year, we’ve made field trips a priority each week, so I have gotten a lot of experience packing lunches for 6-8 kids (we bring friends) at least once a week, sometimes more. In experimenting with packing these lunches, I’ve also realized how much time it saves when it is actually time to eat lunch, so I’ve also started “packing” lunches a few days a week for the kids to eat at home on our lunch break. Read the full article here...

Thursday, Aug 18th, 2016

Sleep tips: 7 steps to better sleep

Pokemon GoYou're not doomed to toss and turn every night. Consider simple tips for better sleep, from setting a sleep schedule to including physical activity in your daily routine.
Feeling crabby lately? Or simply worn out? Perhaps the solution is better sleep.

Think about all the factors that can interfere with a good night's sleep — from pressure at work and family responsibilities to unexpected challenges, such as layoffs, relationship issues or illnesses. It's no wonder that quality sleep is sometimes elusive. Read the full article here...

Thursday, Jul 28th, 2016

Three kinds of insurance you need while playing Pokemon Go

Pokemon GoAre you catching them all?

It's not hard to spot a Pokemon Go player. They have a certain way of carrying their devices in front of them. Walking around alone or in groups looking for that rare Pokemon. My family and I took a drive the first night the game was out. We saw groups of people walking together looking at their phones. It was hard to believe the number of people out playing the game. To say the game is popular is really an understatement. Pokemon Go has an estimated 75 million downloads and in mid July had 25 million users playing daily.

We've all heard the stories of people trying to drive and play Pokemon or the guy that walked into a pond while playing. With this in mind, we've put together a list of insurance policies you should have while playing Pokemon Go. Read the full article here...

Thursday, Jul 21st, 2016

Home Window Security Ideas for Peace of Mind and Protection

Breaking in through a windowYou lock your doors, but home window security is all too often forgotten.

You pull into your driveway after a long day of work and a trip to the grocery store, grab your bags, and head into your home. Your front door is locked tight, just like you left it, but something isn't right. Your living room window is open and your belongings are out of place. Someone was in your home. Window security wasn't on your mind until now.

It's scary and unsettling to discover that your home has been burglarized. It's also very common. An experienced burglar can sneak into your home and leave with cash, jewelry, and other small valuables within minutes.
Read the full article here...

Thursday, Jul 14th, 2016

9 Hidden Signs You're Not Drinking Enough Water

Drinking WaterAre you getting enough water?

It's easy to remember to drink water in the middle of summer when temperatures rise to unbearable levels. Drinking bottle after bottle is incredibly important, as the body sweats a lot of it out. But water should be your close friend all year round.

Not getting enough H2O causes many problems, other than the ones you're probably familiar with. You might only drink water to quench your thirst, but why stop there?

Read the full article here...

Thursday, Jul 7th, 2016

Tips for Grilling Safely

FireworksWhen the warmer weather hits, there’s nothing better than the smell of food on the grill.

Three out of five households own a gas grill, which translates to a lot of tasty meals. But it also means there’s an increased risk of home fires.
Each year an average of 8,900 home fires are caused by grilling, and close to half of all injuries involving grills are due to thermal burns. While nearly half of the people who grill do it year-round, July is the peak month for grill fires followed by May, June and August. Read the full article here...

Wednesday, Jun 29th, 2016

Best to Leave Fireworks to the Experts

FireworksSummer is synonymous with barbecues, parades and fireworks displays. But along with all the festivities are plenty of visits to emergency rooms – especially during July.

In 2013, eight people died and about 11,400 were injured badly enough to require medical treatment after fireworks-related incidents, according to the U.S. Consumer Product Safety Commission. And while the majority of these incidents were due to amateurs attempting to use professional-grade, homemade or other illegal fireworks or explosives, 40 percent were from legal, less powerful devices.

Fireworks also are responsible for thousands of home fires each year. The National Fire Protection Association reports that in 2011, fireworks caused about 1,200 structure fires. Read the full article here...

Wednesday, Jun 22nd, 2016

I have a Millennial child. Do you? Or, are you a Millennial?

MillennialsThere has been endless analysis of this generation, and it is interesting to see broad spectrums being applied to a group. Yet, when we appraise the individuals, they ultimately defy the stereotypes. I guess, the same with us Boomers!

But, there are statistics that don’t lie regarding the majority. One is that they rent their living space rather than owning. I don’t see this as negative or positive, just what works for the majority (I understand “don’t tie me down”!). The negative I do see relates to the insurance aspect. Studies have shown the majority do not have renter’s insurance. And, it’s not because of the cost (even if the same studies have shown they way over estimate the cost). The basic reason is they don’t understand the product and need. Shame on us insurance agents, parents and educational system! Read the full article here...

Thursday, Jun 16th, 2016

June is National Safety Month

After the CrashJoin NSC and thousands of organizations across the country as we work to raise awareness of what it takes to stay SafeForLife. Observed annually in June, National Safety Month focuses on reducing leading causes of injury and death at work, on the roads and in our homes and communities.

Read the full article here...

Thursday, Jun 9th, 2016

Why You Shouldn't Take Cash at the Scene of a Car Crash

After the CrashIf you’ve ever felt a bump from behind while driving and heard that sickening crunch, you know what it feels like to realize that someone has just rear-ended you. And that means coping with the hassle of getting the other driver’s information, putting your car in the shop and dealing with an auto insurance company.

So if the damage to your car looks minimal and the other driver offers to quickly settle the matter by giving you cash on the spot, you might be tempted to take the money and try to put the whole thing behind you. Read the full article here...

Friday, Jun 3rd, 2016

Personal Watercraft, Safety, And You

Run AgroundAt an average length of around 10 feet, personal watercraft (PWC) may seem small, but they come with some pretty big responsibility. With the horsepower of a large outboard engine and the acceleration of a motorcycle. PWC are not toys. In fact, the U.S. Coast Guard considers personal watercraft Class A vessels, which means all safety equipment and operation laws that apply to boat under 16 feet also apply to a PWC. Most states have operator age and education requirements, too. So before you launch, here are a few things you’ll need to know to have a safe and hassle-free day on the water.

Read the full article here...

About Us
We are an independent agency providing for all your insurance needs in one place. Our personnel brings over 84 years of combined experience to help you improve your insurance situations and fulfill your needs.
We are a member of the PROES Business Group. This association is a family of companies providing multiple avenues to make your life better. It brings business partners with the right background, experience and expertise to help you with your needs.
Each agent, servicing representative and owner’s philosophy is to combine quality, price, experience and service in every facet of your insurance purchasing experience. We strive to build long term relationships by meeting the needs of our clients.
The various backgrounds of our people help assure we can relate to your situation. Our goal is to help you have the right coverage, at the right price and be satisfied at the most important time – when you have a claim. We understand you are not buying insurance: you are buying piece of mind to protect yourself, your business and your family.