The holiday season is a magical time—but behind every twinkling light display and flickering candle lies a potential fire hazard. According to the National Fire Protection Association (NFPA), holiday decorations (excluding Christmas trees) cause hundreds of home fires annually, resulting in millions of dollars in property damage. As you begin transforming your home into a festive wonderland, remember that safety and coverage go hand-in-hand. Here is your guide to common holid

As the holiday season approaches, it's a time to reflect on the blessings of the past year and express gratitude for the relationships that enrich our lives. At our agency, we're especially thankful for the trust and confidence our clients place in us. It's not just about policies; it's about the privilege of safeguarding what matters most to you - your home, your business, your family. This Thanksgiving, we pause to honor the partnerships we've built and the opportunity to s

Umbrella insurance provides extra liability coverage for you or your business. This helps protect you or your business from large claims or lawsuits that exceed the limits of the liability coverage offered by your home, auto, or business insurance policies. Types of umbrella insurance coverage There are two types of umbrella insurance coverage. Personal umbrella coverage will take care of claims that are out of reach for your basic homeowners or auto insurance policies. The

In the world of homeowners insurance, the key to getting the best rates is by being a responsible homeowner. Little things you can do to increase your home’s safety and security can go a long way in decreasing your premiums. Here are a few: — Install a home security system: This is a great way to protect your property, security systems act as an effective theft deterrent. If you get a system that is monitored by a central station, or that is tied directly to a local police st

Your home is perhaps your most important asset, so you’ll want to make sure you’re financial stake in it is protected should an accident happen. When it comes to homeowners insurance, it’s important to choose the right method for valuation — a professional estimation of your home’s value. This will determine what you’ll receive financially should there be damage to your home. There are important differences in valuation methods that you should understand before choosing the