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How to Choose Smoke and Carbon Monoxide Detectors

Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom and the kitchen. This way, you'll be able to identify problems in...

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Danger-Prone-Doug: #riskmanagement Food for Thought

Danger-Prone-Doug: #riskmanagement Food for Thought

Have you ever wondered if some people are inherently "danger prone?"

I seem to have some sort of “sense” about trouble ahead, which serves me well as a mom of six children. I've always been able to magically see what others may not...

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What is water backup coverage and why is it important?

Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially dangerous, it’s also expensive. On average, most water backup claims cost $5,000-$10,000 to repair.


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Upgrading Your Windows - How to Choose What's Best for Your House

You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from, so it is important to evaluate...

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If you don't know where you're going...

...any path will take you there...

Such is the case for exposure assessments! It is difficult to understand how volatile your business might be if you are unaware what's at risk.

In the realm of property (real and chattel), reducing your risk begins with identifying it and that starts with...

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How to Update your Home — Without Spending Thousands

It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference — and whether you’re handy or not, you can handle most of them yourself.

Don’t believe it? Just...

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Landscape Maintenance Tips for Your Yard

You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order to keep your yard looking its best over the years. Here...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home.

We know you want to protect what's important. That's why we're offering these tips to help you prevent many of the most common causes of water damage.

Just a little time and...

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When Should I Review My Home Insurance Coverage?

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages?...

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Parametric Insurance - Creative Risk Financing

Unless deep pockets prevail, organizations residing in the 'lower 48' are reticent not to insure against mother nature and her wrath known as the Hurricane.

Actuarial fundamentals dictate that frequency plus severity result in exorbitant rates or treaty exclusions all together for the standard insurer.


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