What does subrogation have to do with your insurance policy? As it relates to insurance, subrogation is when your insurance company stands in for you and assumes your right to pursue a “wrong-doer” for your insurance claim, if there is in fact a person or company that is liable for the damages caused. If you […]
Dogs are a staple in many households. Whether they’ve been adopted from the local animal shelter or purchased from a breeder, many people consider their furry friends a member of the family. However, with that love and companionship comes a big responsibility when it comes to the animal’s behavior. Some breeds of dogs can be more […]
Power outages can be frustrating and dangerous – striking throughout the year and sometimes lasting for hours, even days. It’s these long stretches without power that can pose a danger to you, your loved ones, and your property. Being prepared is key to minimizing risks until the power is restored. Prepare Now. Take an inventory […]
Wood burning stoves can provide years of safe, affordable heat if used properly. However, as with any heating system, they do come with some safety concerns you should be aware of. Here’s what you need to know about the proper installation, maintenance and use of your stove to ensure your peace of mind. SELECTING A […]
As the temperature begins to fall and winter weather approaches, it is important to develop a plan for snow and ice removal on your property to prevent slip and fall accidents. In today’s fast-paced world we tend to forget how slippery snow-covered parking lots and walkways can be in the winter. Whether we’re dashing into […]
Each year in the U.S. more than 4,000 people are killed and another 20,000 are injured in fires, according to organizations such as FEMA, NFPA, and USFA. Fire Prevention is an important topic throughout the year, and while many fire safety tips apply regardless of the season, it’s a good idea to refresh your memory […]
As we pull out our sweaters and the seasonal soundtrack switches to the crackling of woodstoves and fireplaces, it’s important to keep chimney fire safety in mind. The National Fire Protection Association reports that heating equipment is the second leading cause of house fires and the third leading cause of house fire deaths. The most […]
When you think about traffic on the roads, your mind usually goes to cars, trucks and other vehicles. But in the summertime, traffic often includes the two-wheeled type, such as cyclists and motorcycles. Although they may take up less space on the street, cyclists and motorcyclists have the same rights and responsibilities as motorists. Making […]
Identity theft used to be a relatively rare crime that few worried about. The combination of the advent of social networks containing rich databases of publicly available personal information and the scale of economy provided by fast computing horsepower and blazing Internet speeds has created the conditions for a very lucrative market regularly exploited by […]
Let’s be honest, insurance is a complicated subject for most of us. We know we need it, but we don’t know what we need for insurance when it comes down to the nitty gritty of coverages, endorsements, waivers, etc. So, unfortunately, a lot of people end up signing on the dotted line and holding their […]