New Year, New Stuff

The biggest gift-giving season of the year is behind us. It is quite possible that you received a gift or gifts that require a conversation with your insurance agent. The reason for this discussion is that insurance companies place a limit on specific valuable items....

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It’s Not A Game

There is a memory game that many play at wedding and baby showers. The host has a tray full of a variety of household objects, and for a few seconds, the attendees study them. The tray is taken away, out of site, and everyone writes...

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Happy Holidays

The plethora and variety of holidays have arrived, and many include the tradition of decorating your home. You have probably already pulled your decorations out of storage and are enjoying the beauty, memories, and emotions they provide. It is difficult to remember the contents in your...

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The Sales Are Great

Many people take advantage of the fantastic sales offered during this holiday season. Appliances, electronics, furniture, jewelry, high-priced clothing - just about anything you need or want is available at a reduced price during the month of December. When you purchase your new personal property items...

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Being Thankful

This is the time of year when most people take time to reflect. These thoughts include being grateful for their health and thankful for family and friends. Most also appreciate all the "stuff" they own, realizing how fortunate they are. Years ago, most houses had only...

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A Fungus Among Us

“Blue cheese contains natural amphetamines. Why are students not informed about this?”  - Mark E. Smith Mold is a fungus, among us, that is found both indoors and outdoors. The exact number of species is unknown but range anywhere from tens of thousands to over three...

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Personal Property Theft Sub-limits

[caption id="attachment_52008" align="alignleft" width="138"] © Denis Ryan Kelly Jr.[/caption] Most homeowners are unaware of personal property theft sub-limits within their homeowners’ Coverage C (contents). Sub-limits are special limitations (dollar limits) within a homeowner policy regarding personal property that is stolen. There are specific dollar limits for theft...

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