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Insurance Blog

Do I Have to Choose a Beneficiary? What You Need to Know

When you purchase a life insurance policy, you must name a beneficiary, or several. The listed beneficiary is the person who will receive the death benefits should you pass away before you time. A sudden death due to an accident or illness leaves the family bereft, but the life insurance benefit allows them to move forward without suffering serious financial problems. The benefits are not...

Replacement Cost vs. Market Value: What's the Difference?

If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: unpredictable.At the start of the COVID-19 pandemic, many experts predicted a looming housing crash. But instead of heading into a real estate meltdown, U.S. home prices increased an astounding 37 percent in the two years between March 2020 and March 2022.In...

What You Should Know Before Becoming an Airbnb Host

Becoming an Airbnb host is an exciting prospect, with a great financial upside. However, it is important to be aware that hosting others on your property comes with added risks. The visitors to your property are unknown to you, and you can’t be completely confident that they will treat your property with respect. You have invested in your property, adding all the features that attract...

How to Keep Your TV From Falling Over

There’s nothing like putting your feet up and decompressing by watching your favorite show after a long day. Deep into your latest TV binge, you probably aren’t thinking of what could happen if your TV fell over.  But if you have small children or pets running and playing around your house, an unstable TV could cause some serious injury.Why should I be worried about my...

811: The Number to Call Before Digging

Whether you’re planting a garden, installing a mailbox or hiring a contractor for a more complex job, it’s important to call 811 before digging in your yard.Why? Calling 811 will get your underground utility lines marked and your project off to a safe start.Utility service lines such as cable TV, telephone, electric, gas, water and sewer are often buried underground. Unintentionally striking one of these lines...