Keep Track of Your Auto Key Fob

Roughly $6 billion was lost to motor vehicle theft in 2018, and the average dollar loss per theft was $8,407, according to the Insurance Information Institute, and data from the FBI. Motor vehicle thefts have trended downwards since 1991, falling about 55 percent from 1.7 million thefts in 1991 to 773,139 in 2017. In 2018, […]

You’ve Just Been Elected … Now What?

If you just been elected or re-elected to serve the public in whatever capacity – county or city treasurer, tax collector, township finance manager, township supervisor, county clerk, etc. – before you take your oath of office, you must obtain a public official surety bond. A public official surety bond is a guarantee to taxpayers […]

Scary statistics

According to a report from The Washington Post, one of the scariest things about the last day of October is the annual spike in fatal car accidents involving children. The newspaper analyzed federal highway safety data and found children are three times more likely to be struck and killed while trick or treating that night […]

Don’t forget to blow out the candles

If you use candle-lighted jack o’ lanterns to decorate your home for Halloween, be sure to blow out the candles before retiring for the night. Halloween decorations caused 840 home fires in 2016, resulting in a total of $11.4 million in property damage, according to the National Fire Protection Association. Instead of using real fire […]

Scary Halloween Decorations Could be a Liability

Your home’s exterior Halloween decorations could prove to be a hazard. As the homeowner, you need to consider “premises liability,” meaning if a trick-or-treater trips on an extension cord or other holiday decoration and injures themselves, you’ll be held accountable for the injury or legal expenses if they have medical bills or decide to sue […]

Ways Halloween can pose insurance risks

As Halloween nears, we’re going to focus for the next three weeks on some Halloween-related risks you should be aware of as a homeowner. Our first post focuses on the increase in property crime. Halloween is a day where you can play as your favorite movie villain. It’s also a day that many interpret as […]

Is it safe to wash dishes or shower during a thunderstorm?

You know the old saying, “when thunder roars, go indoors?” If there’s lightning near your location, then you’re not safe outside. But did you know that lightning can affect you inside as well? It’s not entirely safe to shower in a thunderstorm or do other activities like wash dishes or talk on a landline phone. […]

Ways to Stay Safe If Disaster Threatens

With proper planning, you can minimize the likelihood and impact of a disaster harming you, your family, or your home. Here are some tips to help you prepare ahead of time: According to the Global Risks Reports 2019 survey, the gravest and most likely threats facing the world over the next decade include extreme weather […]

Take Precautions When Using Alternative Heating Sources

With the start of fall right around the corner (September 23), you’ll want to be cautious about relying on alternative heating methods to take the chill out of your home. If not installed or used properly, alternative heat sources such as space heaters, kerosene heaters and wood stoves, among others, increase the risk of fire […]

Get those home projects started before winter

If you haven’t started those projects around the house that will keep you and your family warm during frigid winter temperatures, it’s not too late to start. Inspect these areas around your home: Examine your chimney for missing mortar, cracks and structural problems. Make sure that the fireplace damper is working correctly and has a […]

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