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If you are like most Americans, you do not think about renters insurance until it is too late. According to Insurance Research Council, 57% of tenants do not buy renters insurance. Renters insurance can provide peace of mind knowing you are protected against loss of personal property, along with liability coverage. While renters insurance is typically not required, cost is reasonable and purchasing a renters policy i

There are several important reasons to consider purchasing life insurance for children. Affordable premium rates, protecting an individual’s insurability and accumulating cash value as a savings tool are a few of the most significant. First, premium rates for children are typically low due to their age and good health. If you purchase life insurance for a child now, you can lock her into those low premium rates for a

Regardless if you farm a small acreage just to keep 4-H animals or you run 2,000 acres of cash crops, you know how quickly the items used on your farm can be bought, sold or traded. Many farms are ever-changing and often the farm personal property can change very rapidly from year to year. For example, with grain prices on the rise in recent years farmers are constructing more grain bins for on-farm storage. It is im

Just because you don’t live in the Special Flood Hazard Area or 100-year flood plain, as it is more commonly called, doesn’t mean you are safe from the No. 1 cause of property damage from natural disasters: floods. Consider These Facts: —Nearly all insurance policies providing multi-peril property coverage exclude flood damage. This includes most homeowners policies. —Just because you haven’t experienced a flood in t

Every year, many of us decide to go for a trip across the state, country or maybe close to home. Occasionally an accident happens while en route to your destination. When this occurs the inconvenience is increased, as the usual help is not readily available. What do you need to do if you have an accident away from home? The first thing to do is to report the claim. This can be done by reporting it to your agent if th

Insurance is generally purchased to protect against building loss, loss to contents or liability losses. Unfortunately, it is the intangible exposures that we do not see and do not prepare for that ultimately can have the largest impact on our businesses. Often the key to effectively recovering from a catastrophic event is loss of income coverage. When making your insurance purchases, don’t forget to inquire about bu

Spring tends to be our wettest season, with the melting snow and rain showers. The ground is saturated and there is no place for the water to go other than where you don’t want it to go. What if this water makes its way into your home – are you covered? A standard homeowner’s insurance policy does not provide coverage for such an event; however, there are ways to help protect your home. Damage from water backup of se

Winter is definitely here. Every year, at just about this time, there is a drastic increase in the number of reported claims during the winter months. These claims are usually the result of slip and fall injuries due to icy or wet conditions caused by winter weather. One of the easiest ways to prevent claims this winter is hiring a professional snow removal contractor. Not only does this remove the need for you to do

As if slippery sidewalks and snow-covered cars aren’t bad enough during the winter, you face another potential headache: ruined carpets and water damage to your ceilings and walls from leaks caused by ice dams or bursting pipes. You can avoid the resulting aggravation and expense by taking several basic steps right now to prevent this kind of damage. If you’re handy with a hammer and screwdriver, you can do much of t

Before you answer “no” and add, “Why would I need that?” or “I don’t live anywhere near a river!” you should know that many home and business owners have offered similar responses and then gone on to suffer uninsured flood damage. Before you decide not to purchase flood insurance, you owe it to yourself to learn some facts: A little water can cause a lot of damage. According to the FEMA-sponsored website FloodSmart.g