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Having over 100,000 miles on your car doesn’t have to mean it’s the end of the road. Here’s how to keep your high mileage car running smoothly.

Did you know that if you see a deer by the side of the road, there are likely more nearby? Knowing this and other tips can help you avoid hitting a deer while driving.

Winter means cold temps, less daylight and you guessed it: snow. Snow can make driving on the road a little harder, but having snow tires on your car can help. Here’s everything you need to know about them.

There’s just something about having a live Christmas tree during the holidays, but they’re a little more work than an artificial one. Here’s everything you need to know about choosing, transporting and caring for a live Christmas tree.

As a party host, you probably don’t want to think about your potential liquor liability. But it’s something you’ll want to consider as your party planning gets under way this holiday season.

The U.S. Marines are best known for tactical strategies on the battlefield.  Locally, they are waging a battle on behalf of impoverished children at Christmas.  Our agency is happy to serve as a drop-off site in the USMC Toys For Tots campaign.  Please donate a new, unwrapped toy.  The Marines will pick up our box the week of December 12^th.  Thank you!

Boating is great warm-weather fun. But accidents happen. What if you injure a passenger on your boat, a nearby skier, swimmer or fisherman? What if you collide with another boat or damage a dock? Home Insurance policies may have some automatic Liability protection, but only for smaller boats with lower HP motors. Home policies may even cover damage to the boats, up to a certain amount, but not in the water. This is basically “driveway coverage”, not “waterway coverage”. Concerned? Call us to discuss the details.

Most homes connect to a municipal hook-up to discharge waste water. Typically, there is a floor drain in the lowest level, such as a basement. What if you find 3 inches of black water from that basement drain? Damage Due to Back-Up of Sewers or Drains is an option on many Home policies. It is not Flood Insurance – another topic for another blog. It is not just a plumbing problem. Call us to discuss the details.

http://www.wrins.com/sewer-drain-back-up-flood-plumbing-problem-neither

Whether you enjoy warm weather or cold weather activities, a getaway camp, cabin or cottage is terrific. Sadly, it also creates a possible insurance challenge. Visitors can be injured as your guest or simply crossing your property. Property of others can be damaged. What if that picturesque foot bridge collapses? What if that retaining wall is overwhelmed by the wettest springtime on record? What if a fire starts at your cottage and spreads to neighboring properties? Coverage may be more affordable than you think. Call us to discuss the details.

Working from home is becoming very popular. Why not? Who needs the commuting and parking hassles of traditional workplaces? But you may need special coverage on your Home Insurance or a stand-alone Small Business policy. Exclusions typically will not cover injuries to visiting vendors or customers. Limitations on your Business Personal Property (samples, inventory, business-dedicated computers, office furniture) could be very restrictive. But the solution may be quite inexpensive. Call us to discuss the details.