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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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Ensuring Your Home is Properly Covered for a Disaster

Home safety, Homeowner's Insurance, umbrella, umbrella policy, Valuable items /

How to avoid being underinsured For many people, their home is their greatest asset, so it is critical to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions. 1. Do I have enough insurance to rebuild my home? Your policy needs to cover the cost

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4 Things Every Renter Needs to Know About Renters Insurance

Homeowner's Insurance /

Buying renters insurance to protect your stuff may seem like an unnecessary expense, until you experience a theft or fire in your rented home or apartment and lose some of your most treasured possessions forever. Whether you’re a longtime renter or starting out in your first place, renters insurance policies provide important benefits and coverage.

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Cyber Security Tips for Businesses and Personal Use

General, Value Added Services /

Cybersecurity has never been more critical than it is now. As we spend more time online, we’re often creating and sharing more of our data. And if this data falls into the wrong hands, private and financial information could be at risk. So, for businesses and individuals alike, protecting sensitive data is critical. Use Anti-Virus

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How an Independent Insurance Agency Saves You Time & Money

Auto Insurance, Homeowner's Insurance, Life insurance, Long term care /

Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agency, Spencer Insurance Agency, Inc. is what you need. Our agents are knowledgeable and versatile.  The best part of working with an independent agency is that we offer various choices, which can help

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Does My Policy Cover Bed Bugs, Insects, or Termites?

Home safety, Homeowner's Insurance /

Homeowners often wonder if their home insurance policies provide coverage for infestations of pests like bed bugs, insects, or termites. Here, we’ll clarify what types of infestations are typically covered by home insurance policies. Termites: Bed Bugs: Insects and Pests: Exceptions and Endorsements: Preventative Measures: Homeowners are generally responsible for addressing and preventing pest infestations

Does My Policy Cover Bed Bugs, Insects, or Termites? Read More »

Fire Pit Safety

Home safety /

Picture this: a warm fire with roasted marshmallows. The weather is 70 degrees and all of your close family and friends are with you. Yes, owning a fire pit is enjoyable, but a huge responsibility. Laying down rules and being aware of the safety hazards around them is useful for prevention of any fires or

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Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.

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