You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water valve? Because all...

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Building a new home or considering a major renovation of your existing home? Consider installing or retrofitting with a fire sprinkler system. Sprinklers save lives. One of the most significant threats to your home,...

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As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of how to stay safe during spells of cold weather. MAKE AN EMERGENCY KIT...

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Imagine sitting down for a delicious meal with your family. You’re about to enjoy your first bite when you hear what sounds like a motorcycle passing in your backyard. You feel your body tremble and shake and realize...

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Automatic fire sprinklers can save lives and reduce property losses in the event of a fire. But to be effective, they must remain in good working order. Property owners can protect their buildings and occupants through...

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You and your passengers depend on your tires for a secure ride. Stay safe and save money by regularly maintaining your tires. The National Highway Traffic Safety Administration provides a wealth of tire safety...

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When you’re buying homeowner insurance, how do you determine the replacement cost of your home? Many homeowners automatically base the replacement cost on the current market value. But that method could leave you with...

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Distracted driving has become an escalating and deadly problem. The National Highway Traffic Safety Administration recorded 2,841 distracted driving-related deaths on our nation’s roads in 2018 – 7.8% of all crash...

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Disasters can happen anytime...anywhere...to anyone: Be prepared. The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are...

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You do not have to live in a designated flood zone to be susceptible to flood loss. Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage...

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Quality is king in construction. Reputations hinge on excellence, which is why most contractors work hard to ensure they produce quality products. The more robust the quality management process, the better. If you want...

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Owners of private companies without shareholders often believe they do not need directors and officers liability coverage. The misconception takes hold, I believe, because small, privately held companies often have no...

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Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video conferencing for work or leisure, paying bills or shopping. Learn how to...

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With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some...

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When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable. Market value is the...

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With the dine-in restaurant world shut down, we are cooking more at home – and we have the grocery bills to prove it. But with more cooking and more time being spent at home comes the very real potential for kitchen-...

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Pondering life insurance can swiftly flood your mind with questions. How much do I need? What does life insurance do? How much will it cost? Where do I begin? Life isn’t always easy, but life insurance can be. Spelling...

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When you think if purchasing insurance, you may feel the most important factor is how much money you can save. We are all inundated with ads pushing a money-saving mindset complete with cute animals, catchy phrases and...

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Let’s celebrate one of the world’s most useful inventions, umbrellas! They come in many different types from a brolly to bumbershoot and a parapluie. But why stop there? While umbrellas help keep us dry from the rain, a...

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While it may be impossible to prevent infection from the new coronavirus, you can take steps to minimize the risk of COVID-19 illness in your home or office. HOME CLEANING - The U.S. Centers for Disease Control and...

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Scammers love to exploit fear, and there’s plenty of that around right now with the COVID-19 threat. The most recent round of fake emails play off pandemic fears and promote false information. Federal agencies,...

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Even if you don’t live in a flood plain, the potential for flooding could be a concern anywhere in the country. Flooding is the most common natural disaster in the U.S. and occurs in every state and territory. In fact,...

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Spring has sprung, and all you can think about is a pleasant drive to the coast, the mountains or your favorite lake. But after an hour on the road, your car stalls. Your carefree drive has become a tow-truck ride to a...

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Every 60 seconds in the United States, more than 2 million search requests pass through Google, 3,600 images are uploaded to Instagram and roughly 200 million emails are sent. While web activity has become second nature,...

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One winter headache a homeowner doesn’t need – and can take steps to avoid – is an ice dam on the roof. Ice dams can damage walls and ceilings and possibly trap moisture, which could lead to mold, mildew and respiratory...

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Even before winter officially arrived, it probably took only a few chilly nights to get you to reach for your thermostat. No matter when you decide to put your home heating system back in action, be mindful that heating...

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You’ve grown tired of your current ride and you’re ready to get something else. You shop around and find a car you like, but you’re not happy with what you’re being offered for trade. You think, “I can get more money by...

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