What Happens If I Hit A Deer?

Hit A Deer
Hit A Deer?

Hypothetically speaking, I hit a deer

At least once a month I get a call from a customer that starts off like this,  “Hypothetically speaking, if I hit a deer and I am not saying that I did, how would it impact my insurance rates?”  I always answer, “Don’t worry everything will be just fine.”  read more

Home Warranty: Managing Unexpected Repairs

HVAC unit covered by a home warranty
HVAC unit covered by a home warranty

Avoid the Risk of Unexpected, Costly Repairs or Replacement with a Home Warranty

Have you ever been to a big box store and purchased electronics or appliances? The experience usually includes an offer for an extended warranty.  Sounds good, but you decline thinking “I’ll just save the money and buy a new one if this one breaks.”  It’s a chance you are willing to take. Most often you are right.  Electronics and appliances already come with a warranty. Most issues arise pretty quickly and can be handled by the store where the purchase was made or directly with the manufacturer.  Viewed as needless add-ons,  it’s no surprise homeowners’ often approach a home warranty with skepticism. read more

Burst Pipes: Ways To Prevent Damage

Burst pipes

Water Expands Nine Percent When Frozen

Burst pipes can occur any time of year, but your home is more vulnerable during the winter months when freezing temperatures can cause pipes to freeze and burst. Did you know that a gallon of water expands by nine percent when frozen?  Imagine what happens to pipes when temperatures drop below freezing for a sustained period of time.  Paying attention to weather forecasts during the winter is especially important so you can take preventative steps to avoid burst pipes. read more