When planning a spring event, prepare for the unexpected

woman-holding-flowers

Consider insurance needs
for your spring events.

Organizing any event  ̶  whether a festival for thousands or a garden walk for a hundred  ̶  takes many hours of planning and preparation. However, unexpected situations can arise with even the most meticulously planned events.

To help ease the worries of injury, property damage or other unforeseen exposures, speak to your local independent insurance agent about whether you have adequate insurance coverage for your event, large or small. For some situations, you will want to seek advice about your homeowner or personal umbrella coverage. For larger events sponsored by a club or organization, a commercial insurance policy may be the best choice. Read More

Remodeling? Keep rebuilding cost in mind

home-remodeling

Make sure the insured value of your home
keeps up with your home remodeling plans.

While stuck indoors this winter, did you look around and plan any home projects? Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.

The Coverage A limit on your homeowner policy is the amount of insurance you have to reconstruct your home in the event of a total loss. All costs associated with replacing or rebuilding your home are considered when developing this Coverage A limit. When you make changes that increase the value of your home, you may also need to increase the coverage limit.
Read More

Coping with loss in a catastrophe

tree-down-on-wires

Safety should be the No. 1 priority
after a natural disaster.

Protecting yourself and your family is your first priority when your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other catastrophic event. Promptly treat any injuries. Remain calm and carefully survey the damage.

Be cautious during post-catastrophe activities to avoid injuries during rescue attempts and cleanup. Watch for downed power lines, gas leaks and electrical hazards that could result in fire, explosion or electrocution. Listen to local officials and emergency management personnel, who can assist you with locating emergency medical treatment, temporary accommodations, clothing, food, water and other needs. Read More

Invest your time with an independent agent

Avoid insurance gaps by discussing your needs with your agent.

Avoid insurance gaps by discussing your needs with your agent.

When you’re purchasing insurance for your home or business, the most important investment you make is not the premium you pay, but the time you spend with your agent.

Once every three years, at least, sit down with your independent agent and get some good advice.
Read More