What to do when buying a new or used car

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips. CONTACT YOUR AGENT First things first: You should contact your independent insurance agent to add the new vehicle to …

April showers, May flowers and spring home repairs

Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors. However, these seasonal changes could significantly damage the exterior protective layers of your house, leading to potentially costly structural damage. Watch out for these conditions: Vines …

Distractions contribute to pedestrian deaths, injuries

“I didn’t see them!” That’s usually the first thing someone says when they’ve been involved in a vehicle-pedestrian crash. The latest statistical year shows that 5,977 pedestrians were killed in U.S. traffic crashes – one every 1.5 hours, according to National Highway Traffic Safety Administration figures. In addition, 129,000 pedestrians were treated for non-fatal crash-related injuries. While these figures remained …

Planning key to successful home renovation

Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or materials are less expensive. In fact, if your project is not weather-dependent, you might get a better deal at some other time of year. …

Life insurance protects, offers peace of mind

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having life insurance is key to taking care of their family financially. These are just some of the findings from …

Earthquake: Tips to protect your family

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a number of tips to help you prepare for an earthquake. BEFORE AN EARTHQUAKE Create a disaster plan to protect you and your family. Take steps to …

Strengthen your data privacy practices

Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your cyber protection. Free government resources are available to help protect your customer, employee and business data. The U.S. Federal Trade Commission publishes an online Cybersecurity for Small Business website …

Knowledge is power in protecting yourself from fraud

While you work hard to earn money, criminal enterprises are working hard to steal it. So let’s take a minute to brush up on the latest tricks, scams and methods criminals are using to steal data and money from you and your customers. Internet fraud is the use of internet services – or software with internet access – to defraud …

Holiday shopping? Tips for the store or online

Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to join the crowd, here are some tips to protect yourself and your identity. REDUCE YOUR ONLINE SHOPPING RISKS Take precautions whenever you shop online, not …

Term vs. permanent life insurance: Which is right for you?

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options. Here are a few questions to consider: How will the money from this policy be used? Do my life insurance needs span my entire …