Spencer Insurance Agency Inc.

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

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 […]

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Seven Absolutely Essential Summer Pool Safety Tips

When you add a pool to your home, the goal is most likely to bring more relaxation to your environment. But without the proper precautions, not only can accidents happen, you can set yourself back thousands of dollars or more in insurance claims. That makes proper pool safety the key to the actual enjoyment of

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Life Insurance: Unveiling the Facts and Stats You Can’t Ignore

In today’s uncertain world, there’s no overstating the importance of having a life insurance policy. However, it’s surprising how many misconceptions about life insurance circulate, leading many people to either delay getting it or avoid it altogether. This blog aims to shed some light on the facts and statistics behind life insurance, empowering you to

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The Ripple Effect: How a DUI Can Impact Your Insurance Rates

Driving under the influence (DUI) is not only a serious legal offense but can also have far-reaching consequences that extend to your personal finances. One often overlooked aspect is the significant impact it can have on your auto insurance rates. The following various ways a DUI can affect your insurance premiums point out why it’s

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The Importance of Love and Insurance: Protecting Your Valentine’s Day Gifts

February is the month of love, and as we exchange tokens of affection on Valentine’s Day, it’s crucial to consider how to protect those special gifts. While the sparkle of jewelry or the allure of the latest gadgets can warm our hearts, ensuring their protection with the right insurance coverage can bring peace of mind

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Preparing for Life’s Unexpected Events: The Importance of Personal Umbrella Insurance

Life is full of surprises, and not all of them are pleasant. From unforeseen accidents to unexpected legal issues, the potential for life-altering events is always present. That’s where personal umbrella insurance steps in as a valuable layer of protection, providing an extra cushion when your standard insurance policies may fall short. We’ll explore the

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