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Left Behind: The Pre-Vacation Property Checklist to Avoid Coming Home to a Claim

Leave a Comment / Home safety, Homeowner's Insurance /

Stepping out the door for a hard-earned vacation should bring an immediate sense of relaxation. However, leaving a home unoccupied—even for just a week—exposes the property to specific risks that can escalate from minor maintenance issues into catastrophic losses. Many common property insurance claims that occur while homeowners are away are completely preventable. Taking a […]

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Flooding Isn’t Just a Coastal Problem

Leave a Comment / Homeowner's Insurance /

Flooding Can Happen Anywhere When people think of floods, they often picture hurricanes or coastal surges. Images of overflowing shorelines and storm surges tend to dominate the conversation. But in reality, flooding can happen almost anywhere—and May’s heavy rains make it one of the most common times for water-related damage. What Causes Inland Flooding Across

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Preventing Water Damage During Winter Thaw

Home safety /

As temperatures rise toward the end of February, melting snow and ice can create water problems for homeowners. The winter thaw may seem harmless, but it often reveals leaks, drainage issues, and other vulnerabilities that can lead to significant water damage. Basements are particularly susceptible. Melting snow can saturate the ground, increasing hydrostatic pressure around

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📦 Starting Fresh: How Renters Coverage Protects Your New Chapter

Homeowner's Insurance, Valuable items /

The turn of the year often sparks major life changes: a move to a new city, heading off to college, or finally settling into a different apartment after the holidays. It’s an exciting time, but amidst the packing and planning, it’s critical to secure the right protection for your belongings and finances. This is where

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🚨 Deck the Halls Safely: A Guide to Holiday Decoration Hazards and Your Insurance Coverage

Homeowner's Insurance /

The holiday season is a magical time—but behind every twinkling light display and flickering candle lies a potential fire hazard. According to the National Fire Protection Association (NFPA), holiday decorations (excluding Christmas trees) cause hundreds of home fires annually, resulting in millions of dollars in property damage. As you begin transforming your home into a

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6 Reasons Your Life Insurance Claim Might Be Denied (and How to Prevent It)

Life insurance /

When you purchase a life insurance policy, the expectation is that your loved ones will be financially protected when the time comes. However, not every claim is automatically approved. In fact, life insurance claims can and do get denied—leaving families in a difficult position. Understanding why this happens can help you avoid costly mistakes and

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What to Look for When Buying a Home – From an Insurance Perspective

Home safety, Homeowner's Insurance /

Buying a home—whether it’s your first starter, a forever nest, or a vacation escape—is thrilling and sometimes stressful. Along with choosing price, neighborhood, layout, and that dreamy front porch view, there’s a critical but often overlooked factor: homeowners insurance. Working with an independent insurance agency, like Spencer Insurance Agency, Inc., can help ensure you’re fully

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Why Umbrella Insurance Is Essential This Summer: Protecting Your Family, Assets & Security

Home safety /

Summer is a season of relaxation, adventure, and cherished memories. However, it also brings increased risks—from hosting gatherings and traveling to engaging in recreational activities. While standard insurance policies offer essential coverage, they may not be sufficient to protect you from significant financial loss due to unforeseen events. This is where umbrella insurance steps in,

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The Rising Cost of Insurance: Why Are Premiums Increasing and How to Save?

Homeowner's Insurance /

The cost of insurance has been on the rise across various industries, affecting homeowners, drivers, businesses, and individuals seeking health and life coverage. Many policyholders are noticing higher premiums when it comes time to renew their policies, leading to concerns about affordability and financial stability. Understanding why these increases are occurring and what can be

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