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 […]
All About Home Inventories Read More »
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
Yard Work Safety Tips to Keep You Out of the ER Read More »
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.
Protecting Your Home from Storm Water Damage Read More »
Conventional wisdom has long held that kitchens and baths sell homes. Those are also two of the more expensive areas to tackle for home improvement, but if you make sound design decisions and choose the right materials, you could end up making your home more appealing to potential buyers – and a more enjoyable place
5 Home Improvement Projects That May Have the Biggest Return on Investment Read More »
We should all have at least one fire extinguisher somewhere in our home, but it’s not enough to simply keep one under the kitchen sink. If there is a fire, your safety—and the safety of your home—depends on knowing how to properly use that fire extinguisher. As your insurance agent, we strongly urge you to
How to operate and use a Fire Extinguisher Read More »
Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.
Thanksgiving Safety Check Read More »
If your home is left unoccupied for weeks or months at a time, your standard homeowners insurance policy might not provide coverage in the event of a claim. Any damages or losses that occur would have to be paid out of pocket unless you have vacant property insurance. Unoccupied and vacant homes present a greater
Vacant Property Insurance 101 Read More »
Spring is here! After a long dark and cold winter, the bright sun and warm winds of the spring are a breath of fresh air! The only downside? All that sunlight helps you see your leaf-filled gutters, cracked sidewalks, and dead plants in the flower beds. Get your home in shape for spring with this
Spring Home Maintenance Read More »
Homeowners insurance and renters insurance cover many of your belongings in the case of theft, fire, or other disaster. The only problem is that they don’t cover everything. These insurance policies usually do not cover particularly expensive items such as jewelry, artwork, antiques, or other items with high value. Riders (or add-ons) to your
Homeowners Insurance Riders: What Do You Need? Read More »
Chimney Safety Tips Leaning toward an old wood-burning fireplace to help cut your heating bill this winter? Before you spark a log you should know, fireplaces and chimneys are involved in 42% of all home-heating fires. So before you use your fireplace, ensure you know how to properly use it and follow these safety tips.
Chimney Safety Tips Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
