Insurance premiums are calculated based on how much it will cost to replace or repair your home or vehicle as well as your overall risk. Your overall risk is broken up by several factors that can impact your auto insurance such as your driving record, claim history, your age, credit score, zip code, the make and model of your car and the type of insurance coverage limits & deductible you choose. Your home insurance premium factors can be based on the age of your home & condition, your zip code, credit score, home safety features, the coverage limits & deductible you choose, claim history and more.

We are seeing a trend that many customers continue seeing an increase in auto and home insurance premiums at renewal, even if their overall risk has not changed.

Home insurance has increased because construction costs have gone up due to a shortage in building materials and labor. Not only has there been a shortage in materials and labor, but the cost of materials and labor wages have also increased. Lastly, there has been an increase in home insurance claims due to natural disasters. Anytime an insurance carrier experiences an increase in insurance claims, they will increase their future premiums for customers. This can even extend across state lines.

Car insurance has also gone up for several reasons such as more accidents occurring, a shortage of skilled labor and car parts have increased in price. All these factors make insurance premiums more expensive.

If your home or auto insurance policy premium increased significantly at renewal, don’t panic & give us a call. We represent the top insurance carriers, which means we work for you. We have the ability to shop your current coverage with all of our carriers & provide you with several quotes. This gives you the option to have competitive prices, as well as several choices.

We can also provide you with professional insurance advice. We always want you to have plenty of insurance coverage to ensure you are protected in the event you have to file a claim.

Here are some things to consider when it comes to lowering your premium: 

1.) Bundle your home or renters insurance policy with your car insurance.

2.) Stay on top of home maintenance to lower your risk of a claim. A few areas to assess are your roof, plumbing and electrical. Insurance claims can impact your future insurance premium so if there is a way to prevent a claim, this is crucial.

3.) Talk to your agent about an insurance review. When you increase your deductible, your premium gets lowered. Please note if you do experience a home insurance claim, out of pocket expenses would be increased due to a higher deductible.

4.) Ask for a re-quote with other carriers. This is a big advantage of working with a local, independent insurance agency. We have many choices for insurance!

Contact our agency today with any questions or concerns you have about your insurance policy.

October is Fire Prevention Month. In this blog, we’ll talk about some of the most common ways a fire can start and we’ll provide you with some tips on how to prevent them from starting.

Smoke Alarms

The number one defense against fires is having a working smoke alarm, so it is crucial that you regularly check to make sure that your alarms are working. Replace your batteries whenever they get low.

If your smoke alarm begins to make an annoying beeping sound, that is your alarm telling you that its batteries are running low on power. It is also a good idea to test your smoke alarm every six months.

It varies from unit to unit, but many times there is a button you can press that will trigger a test alarm. If you try testing it and nothing happens, then that is your sign to buy a new one.

Candles

Candles are a popular item to use this time of year. Candles can easily become a fire hazard if they are left too close to other flammable items, such as drapes or a blanket, or if they happen to tip over.

If you plan on using a candle, make sure you use one that has a wide base, so it doesn’t tip over easily, and you place it away from anything that could be flammable. Also, if you have to leave the room, make sure to always extinguish the candle. Alternatively, the safest option is to use an electric candle since they have an almost zero chance of starting a fire, but still produce the same light and fragrance that normal ones do.

Chimney

With the temperature beginning to drop, you might be wanting to start using your chimney soon. It is important you take some precautions first. You should get your chimney inspected annually to prevent any leftover debris or soot that could potentially start a fire.

A good reminder when using your fireplace is to always make sure your fire is completely out when you are done using it. Any leftover embers can start another fire, and if you aren’t around, it’s possible for that fire to get out of control. To avoid this from happening, use a shovel to break up the burnt firewood and spread them out in your fireplace. Then, use sand, ash from the fire, or even baking soda to smother the remaining burning embers so oxygen can’t reach them. Water, however, should never be used since the steam can end up pushing out embers and fire particles from the fireplace into your home.

Appliances

The kitchen is where half of all house fires start according to the National Fire Protection Agency. There are several appliances in a house or apartment that if not used properly or safely can easily become a fire hazard.

One simple tip when using your kitchen: never leave your kitchen unattended if you are cooking.

Many fires in the kitchen start not from the food or oil being cooked, but also by simply leaving flammable items too close to what you are cooking. Examples such as oven mitts, towels, etc. can easily catch fire if left too close to the stove.

Dryers in laundry rooms are an additional appliance that you should be cautious of when you use them. The buildup of lint is one of the biggest reasons a fire can break out in your laundry room. Lint is flammable, and if it is not cleaned out regularly, it will continuously build up and the risk of a fire will grow larger.

Extension cords and power hubs are a convenient way to charge or power all of your electronics, but you need to always make sure you are not overloading them, otherwise you can risk starting an electrical fire. Before using it, you should read the instructions (if provided) of your extension cord so you’re aware of its limits and how not to exceed them.

If you are using the cord to power a larger appliance, make sure the extension cord can handle the electrical load, and don’t overload it by adding additional appliances it. You should also purchase cords that have been tested by independent testing labs to help verify its safety; You should see a sticker displaying this on the extension cord and/or its packaging.

We hope these tips have given you better insight on how to prevent fires in your home. If you would like to learn more about fire prevention, or what your homeowners insurance covers in a fire, contact our agency today.

With summer coming to an end and cooler weather beginning to approach, now is a great time to get ahead and get your vehicle ready for fall and winter. Fall might seem early to get your car ready, but this season can produce hazardous weather that can make driving dangerous for those who are not prepared.

Depending on where you live or even where you might be driving, you could experience cold weather that can cause slick roads. To help keep you safe while driving during these seasons, we provided some tips to help get you and your vehicle ready for the changing road conditions.

Make Sure Your Car is Serviced

One of the best ways to help lower your risk of a car breakdown or accident is to make sure to keep your vehicle is well maintained.

Here is what to check:

• Check your tire tread. A good way to combat fall and winter road conditions is to make sure your tires are in great condition. If your tires have poor tread depth, this can affect your car’s traction abilities. If you drive over mountain passes or live in a cold environment, you should also consider adding specialized winter tires to your vehicle so you have an additional level of traction for driving.
• Is your heater working? Not only will this provide comfort for you when the air outside is cooler, but it will also help defrost your windshield in case fog or ice begins to form on your glass.
• Check your brakes. With the chance of the roads becoming slippery causing braking distances to be increased, you’ll want to make sure that your brakes are well inspected.
• Check your headlights. Fall and winter can bring the darkest time of the year, making objects outside of your car more difficult to see if your car’s lights are dim. Make sure all of your headlights shine bright enough so you can easily see any obstacles. Additionally, make sure your tail lights are bright enough too so that other drivers behind you can see you.
• Check your windshield wipers. Review your wipers to ensure they are in good shape. If your car gets into contact with any leaves, moisture, debris, etc. you can depend on your wipers to be able to keep your windshield clear and easily visible.

Additional items to consider:

Store warm clothes or a blanket in your car

In an emergency event where your car breaks down on the side of the road in cold weather, it is important to keep warm while you wait for assistance. Pack warm clothes in your car ahead of time so you can stay comfortable if this event ever happens. A good rule of thumb is to pack clothes that you would be comfortable wearing for a long time outside.

Keep Basic Tools in Your Car

• A windshield scrapper helps you quickly scrape ice from your windshield.
• A first aid kit can be very helpful. We recommend always keeping one in your trunk.
• Double check that your emergency roadside kit is ready in the event you need to change your tire. This can includes a jack, a jack handle, a tire iron, a screwdriver and of course, your spare!

We hope you never have to experience a car breakdown or accident. Being prepared for the unexpected can help make a bad situation better.

If you have any questions about road safety, your auto insurance policy or adding road side assistance, please contact our agency.

Buying your first RV, camper or trailer is an exciting time! Before you make the purchase, you are already visualizing how you want to enjoy your trailer or RV. Owning an RV or camper allows you to enjoy nature & relax. Here are a few things to consider to have the best time.

1. Get Comfortable Driving Your RV

Whether you must drive your RV or tow your camper, it is important to be comfortable. We’re not talking about physical comfort; we’re referring to being comfortable with driving the vehicle. Begin by driving it around unpopulated areas such as neighborhoods and less-populated streets. When you’re ready, hop on a freeway and try it at freeway speeds. Remember, your braking will be dramatically different in a larger vehicle and especially so if you’re pulling a trailer.

2. Check the Roads if Using the Backcountry

If you are going hiking or camping on forest service roads, be sure to watch for signs for “no turn-around” or “no trailers.” While most rural roads won’t mention this, it is important to remember you’re going to have to turn around. While traveling on forest service roads it isn’t uncommon for the road to be obstructed by a fallen tree or other hazards. Be sure you’re prepared for unplanned situations.

3. Tie Down Your Luggage, Coolers, Etc.

Loose items inside of the vehicle can be a hazard when you must take evasive action or brake hard. Loose items inside of the vehicle will accelerate at the same deceleration as the outside of the vehicle. So, if they aren’t strapped down, they can move around your cabin and cause serious injury or damage. Be sure all your items inside are strapped down; especially the heavy items such as coolers.

4. Make a Checklist for Packing

Referencing a master checklist for packing can be great to ensure you do not forget anything. This can be made on paper or your notes app on your phone. With each trip, you’ll learn what you need to create your perfect master list.

5. Make Your Food Ahead of Time

By owning an RV or camper, you can easily save money by packing your meals for the road. Consider cooking your meals ahead of time or making double batches of easy meals you normally cook in the comfort of your home that can be frozen for future use.

When you pack food for the road, choose meals that can be reheated on a stovetop or a portable BBQ. For meals where you don’t want to spend the time reheating, pack items that taste good colds such as pasta salads, sandwiches, quiche, and more. You might feel like you are eating a gourmet meal out in nature! Consider examples such as pre-cooked burger patties, chili, stews, and even pizza (reheated on a BBQ for a crisp bottom).

If your RV does not have a refrigerator, you can pack a cooler. If you plan to use your RV for an extended period, there are temperature-controlled electric plugin coolers you can invest in. This may save money over the long run as it avoids you from having to eat out for many meals.

Owning an RV can bring you joy and wonderful memories. If you have any questions about insurance for your RV, trailer, van, or camper, reach out to our agency. We can help you determine the best RV insurance coverage to protect your investment.

If you are a homeowner, you have purchased your home insurance through a local insurance agent or directly through an insurance carrier. Home insurance cost and coverage vary due to where you live, how much your home is worth, your credit score and many other insurance factors.

Home insurance can be confusing so we recommend speaking with one of our agents and going through a home insurance review. Even if you have had a home insurance policy with us for years, it is still best practice to review it to ensure you still have adequate coverage. We can break down your insurance coverage details and make sure you have the best protection for your insurance needs.

Here are a few terms we can discuss with you:

Named perils: this part of your home insurance coverage protects your home from named perils that can include damage from wind, hail, fire, fallen objects, lightning, theft, vandalism and more. Home insurance named perils vary so our agents can discuss what’s covered if you have questions.

Actual Cash Value (ACV): this is the cost to replace the damaged item minus depreciation. If you have damage to your home, the insurance carrier would determine how much it was valued before the damage occurred. For example, if your roof was damaged but it was 10 years old, your insurance carrier may factor in how much a 10-year-old roof is worth today. You would receive the valued dollar amount to put towards a new roof.

Replacement cost value insurance: this represents the cost to replace an item of similar quality without factoring depreciation. Replacement cost policies are more expensive than ACV because you are essentially getting a brand new item. After asking you questions, we can help determine if this coverage makes sense for you.

Deductible: if you have to file a claim, your deductible plays a role in how much you have to pay before your insurance carrier pays towards your claim. Deductibles can vary in price and typically the higher your deductible, the lower your home insurance premium. Our agents can help explain your deductible options.

Liability insurance: your home insurance coverage can provide you with liability coverage. For example, if your dog bit someone or if someone slipped and fell on your property, liability coverage could provide you with coverage. Talk to us about liability limits.

Additional insurance policies to consider:

Flood insurance: home insurance typically does not cover you if your home experiences water entering your home. This is typically a separate policy many individuals buy. If your home is susceptible of floods, talk to an agent.

Earthquake insurance: just like flood insurance, earthquake insurance is also a separate policy. If your home is damaged from an earthquake, you would most likely need an earthquake insurance policy to have coverage for any damage.

Other structure coverage: if you have a detached garage, barn, swimming pool, greenhouse, or other structure, be sure to tell your agent. This needs to be included in your policy and may require additional coverage.

Water sewer coverage: claims occur when heavy rain or floodwaters overrun your sewer system or your sump pump. Debris from rainstorms or natural disasters can also clog your system causing damage to your home when the water backs up into your house’s plumbing. Many home insurance policies do not cover this and water sewer coverage is needed to pay for the damage. Talk to us about this coverage.

Umbrella insurance: if you file a home or auto insurance claim and the damage exceeds your policy limits, an umbrella insurance policy can give you thousands of additional dollars in protection. There are limitations on what umbrella insurance covers so discuss this with an agent in our office.

Vacant home insurance: if you own a home that is vacant, you still want to protect it. Talk to us about your situation and we can explain your coverage options.

Ready to shop home insurance? Give our agency a call or email us for a quote. We can help you find great coverage.