If you own a home, you may already know that home insurance is essential for protecting your investment. However, with so many different home insurance policies, it can take time to understand which one is right for you. In this blog, we’ll break down the different types of home insurance policies, so you can make …
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Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death. Floods may: Preparing for a Flood Know Your Risk for Floods – Visit FEMA’s Flood Map …
The new year is a time of reflection; a ready-made reminder to us all that we should perhaps take stock of what’s happened and what will come next. And this makes it an excellent time to evaluate our insurance policies and make sure everything is on track going into 2023. Insurance should never be a …
Many find the winter holidays their favorite time of year with colorful decorations, warming their feet by the fire, hanging ornaments from the mantle and the special activities with friends and family. However, before hanging those ornaments by the fireplace, make sure to get a chimney inspection and cleaning prior to burning anything. If you’ve had your …
Mold is a fungus. There are all kinds. It’s everywhere–indoors and out. Most mold insurance claims typically arise in one of two circumstances: (1) mold comes to the property owner’s attention along with the discovery of ongoing moisture buildup, water leakage or water intrusion that has gone on for some time below the property owner’s …
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According to the Center for Disease Control (CDC), there are about 36,000 injuries caused by chainsaws every year. Approximately 40 percent of all chainsaw accidents occur to the legs and well over 35 percent occur to the left hand and wrist. The average chainsaw injury requires 110 stitches and medical costs for chainsaw injuries amount to at least $350 …
The Fall Season can be a beautiful time of the year in our area. With cooler temperatures and the leaves changing, the fall is a great time of the year to get out of the house and enjoy the outdoors. Fall is also a great time to prepare for those cold winter days that are …
You never know when disaster may strike and all your personal possessions are lost or damaged. Do you know how much your coin collection is worth? Do you know how many pairs of Nikes you have? That’s where a home inventory can help. Having a home inventory can help you purchase the amount of insurance …
Amid all the green (and brown this year) lawns and manicured gardens of summer lies a grim statistic: Every year, while mowing the grass, cutting a branch, or power washing a deck, at least 100 people die and an estimated 143,000 are injured badly enough to require a trip to the emergency room. The injuries …
A heavy rainstorm has finally stopped. Or maybe a long winter has finally ended, and the deep snows have begun to melt. While good weather may seem like a relief, the potential for water damage may just be beginning. Storm water runoff can quickly overwhelm natural and manmade systems, leading to flooding and property damage. …
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
