Preparing for an inspection by the Occupational Safety and Health Administration (OSHA) is like preparing for an emergency. You do not want to wait until the event occurs to figure out what to do. This is not to suggest you should initiate drills for an inspection, but you should plan for and periodically address OSHA […]Read More
10 Essential Christmas Tree Safety Tips to Avoid a Tragedy This Holiday Season
Every year, Christmas trees start fires. While these fires aren’t common, they tend to be very serious, resulting in costly damage, property loss and even loss of life. According to the National Fire Protection Association, Christmas tree fires between 2013 and 2017 caused an annual average of three deaths, 15 injuries, and $10 million in […]Read More
The Dangers of Supplemental Heaters
During the transition from fall to winter, it might make more sense to use a supplemental heater than to turn on your primary home heating source just to cut the morning chill. Or if you live in an older or poorly insulated house, you may need to supplement your primary heating source just to keep […]Read More
Keep Trees Trimmed Around Your Property
Majestic old trees are beautiful, but they can also be dangerous. Falling trees and tree limbs cause millions of dollars in property damage each year when they land on buildings or vehicles. If a fallen tree is large enough, it can destroy an entire home. While some tree hazards are unavoidable – such as a […]Read More
Tips for Being a Safe Hunter
It may come as a surprise to some, but hunting is actually one of the safest sports you can be a part of. Why is that? Because the people who participate have a healthy respect for the rules and regulations involved with hunting safety. Make sure you know how to keep hunting trips safe for […]Read More
Winterize Your Home with These 8 Tips
Winter will be here before you can say “pumpkin spice,” so take the time to plan for a safe and cozy season. Prep your home for the snow, ice, and frigid temperatures around the corner. Get started now with these tips for winterizing your home. Clean your gutters. Wait until the last of the leaves […]Read More
Is Vehicle Damage From Rodents Covered by Personal Auto Insurance?
Many people get auto insurance for protection against collision losses. What many drivers don’t know is that a policy written for collision doesn’t necessarily cover damage from animals and other non-collision incidents, such as vandalism, earthquakes, floods and even objects falling from space. For those, you need comprehensive coverage, or “other-than-collision” insurance. Rodent damage typically […]Read More
What is Inland Marine Insurance?
Don’t be fooled by the term “marine” in inland marine insurance, a kind of insurance that covers property shipped over land. The coverage was first offered by ocean marine insurers, so the word “inland” distinguishes it from cargo shipped by sea. Today, many insurers offer this coverage, with a number of policies available for specific […]Read More
Are You Covered for Water/Sewer Backup?
Heavy rain and wind can reveal underlying issues around your home that go undetected otherwise. Though this isn’t always the case. As first-time homeowners, my husband and I spent our first Christmas morning dealing with greywater that had backed up into the washing machine in our basement. Fortunately, we were able to get emergency service […]Read More
Replacement Cost of Your Home
Let’s talk about replacement cost. What does that mean? If there was a loss what would the cost be to rebuild your home, to replace it? This amount is usually very different from a tax valuation or the market value; causing confusion for home buyers when obtaining a comprehensive homeowners policy. We’ll break it down […]Read More