What You Should Know about Winter Weather Warnings

In order to ensure a safe and enjoyable winter, it is critical to be informed and aware of the potential risks and hazards associated with winter weather and how to avoid them. During winter snow and dropping temperatures are concerns, as well as ice that may form on roads or bridges.

It is important that we are informed about winter weather to protect ourselves from it. Here are a few common winter storm warning terms and what they mean:

  • Winter Weather Advisory: Expect winter weather conditions to cause inconvenience and hazards.
  • Frost/Freeze Warning: Expect below-freezing temperatures.
  • Winter Storm Watch: Be alert; a storm is likely.
  • Winter Storm Warning: Take action; the storm is in or entering the area.
  • Blizzard Warning: Seek refuge immediately! Snow and strong winds, near-zero visibility, deep snow drifts, and life-threatening wind chill.

In addition to being aware of winter storm terms; there are many preventative steps you can take to help prepare for winter weather. For more information, check out the Center for Disease Control’s winter information page at https://www.cdc.gov/disasters/winter/

We hope that you have a safe and enjoyable winter.
Happy New Year

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4 Tips For Making & Keeping Your New Year’s Resolution

Are you tired of making the same New Year’s resolutions each year and never following through with them? Year after year we continually resolve to lose weight, get in shape, save more money, quit a bad habit, etc. Wouldn’t it be great to actually follow through and reach your goals in 2021?

Here are my 4 tips for making and keeping successful New Year’s resolutions:

  • Plan With Purpose – Vague goals are very difficult to achieve. Examples of vague fitness goals include “run more,” “lose weight,” or “get stronger.” Any of these goals could be made more specific by quantifying them: “Run 30 minutes each week,” or “lose one pound every week until I’ve lost 20 pounds”.
  • Set Benchmark Goals For Yourself – If there is no start date, end date, or end goal (benchmark) for your resolution, then it can be very hard to get started and very hard to complete. After all, how hard would it be to run a marathon if you had no idea where the starting line, ending line, or any of the checkpoints were and you just had to run until someone said stop? Pretty tough! So when you set a resolution, you must set a start date and an end date by which you would like to have completed your goal.
  • Track Your Progress – If you’re not tracking or logging your progress, you can easily lose motivation, or easily forget your goal entirely. Whether it’s stepping on the scale each day and writing down the number or checking how fast you can run a mile at the end of every week, you must have a way of checking in on your progress toward whatever your goal is.
  • Don’t Get Discouraged – No one is perfect and there is a good chance that along the way to completing your goal you will experience a few setbacks. There will be periods of time when you do not progress as quickly as you would like towards achieving your goals. It’s important to remember to stay positive and not get discouraged. Every bit of progress you make toward your goal counts, no matter how small. When the going gets tough, keep going!

For extra boost, have a close friend/relative hold you accountable! Adding accountability will dramatically increase your chances of seeing a resolution through to the finish!

May 2021 be a much better year!

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Tips to Navigate Flu Season and Coronavirus

Every year we see flu season peak in the winter months. This year we must take extra precautions to not only keep ourselves safe from the flu but also the coronavirus.

In the past flu seasons we have been told to use the following steps to stop the spread of germs:

  • Wash hands frequently with soap and water or use an alcohol-based hand sanitizer.
  • Avoid or minimize contact with people who are sick.
  • Avoid touching your eyes, nose, and mouth.
  • Cover your mouth and nose with tissues when you cough and sneeze. If you don’t have a tissue, cough or sneeze into the crook of your elbow.
  • Stay away from others as much as possible when you are sick.
  • Get a flu shot


This year, we have extra precautions to take such as…

  • Social Distancing
  • Avoid gatherings indoors
  • Wear a mask when around anyone outside of your household

Stay healthy and help those around you stay healthy by taking all of the above steps!

Stay Healthy!
Stay Safe!
Stay Positive!

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Happy Holidays & Thanks for Your Support

Thank you for your continued support of our agency in 2020. As this year comes to a close, we are looking forward to 2021 and continuing to help you and your family stay informed and insured in the upcoming year and beyond.

We are here to answer any insurance questions you may have, handle any and all claims quickly and efficiently, and ensure your complete satisfaction. Please contact our office at any time with questions or even just to say “Hi”. We are here to help!

Again, thank you for your support of our agency in the past year and in the future.

From our family to yours, wishing you Happy Holidays and a Happy New Year!

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Ensure Your Family’s Protection in 2021

As 2020 comes to a close, it is time to reflect on the past year. I am thankful that I am able to do what I do every day – help customers and friends like you protect the things that matter most to them.

Thank you for another year of allowing our agency to meet your insurance needs and help keep your family safe. We think of our customers as family, and our top priority is creating a relationship with you full of satisfaction in our service.

I want to remind you now at the end of the year that we like to offer a review of your policies, at least once every year.

We have seen many clients save HUNDREDS of dollars by allowing us to review their policy and its coverage.

They not only saved money, but they received a better understanding of what each section of their policy covers, plus sometimes discovered small gaps in coverage that could have left them unprotected.

There is nothing worse than having to tell someone they won’t be covered because of a small gap in their insurance protection which could have been prevented by a quick policy review.

Your policy review is handled by our professional team. Each of our licensed agents is well trained to identify your insurance needs and help make sure your policy fully protects your safety and security.

I encourage you to call our agency to complete a quick policy review to make sure you are fully protected and prepared for all life has to bring in the new year.

Thank you again for allowing us to continue to serve you, and thanks for your continued support and loyalty to our agency.

Wishing you all the best in 2021!

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Tips if a Car Accident Happens this Holiday Season

Travelers are expected to use their personal vehicles over other modes of transportation this holiday season. With more cars on the road, more accidents will, sadly, happen.

As your Insurance Agent, I want to make sure you know what to do if you are involved in an accident. This struck me the other day when I was speaking with a friend and he told me about seeing a car accident the day before. In this case, the at-fault driver drove away, leaving the victim and her damaged vehicle in the middle of the road without assistance. I realized that many of you may not know what to do in this situation.

Use these tips in case you find yourself in a fender bender:

  • Help or get help for injured people first.
  • Warn other motorists (use flares, hazard lights.)
  • Call 911 to contact the police and stay on the scene until the police arrive.
  • Keep your auto insurance information in the glove compartment with paper and a pen allowing you to provide the particulars of an accident. Document the accident by taking pictures or videos.
  • Exchange names, addresses, driver’s license and insurance information with the driver of the other car.
  • Cooperate fully with law enforcement officers.
  • Call your physician if you have any health concerns.
  • Report the accident promptly to your insurance agent to determine if you need to file a claim with your company or the other driver’s insurance company.
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Stay Safe and Happy This (Hunting) Holiday Season

This holiday season some folks are scrolling through the sales looking to save a few bucks, while others are more preoccupied with hunting a different kind of buck – the ones in the woods. Its hunting season as well as holiday season!

We make it a priority in our agency to help keep you informed and insured, and that’s a year round goal for us. That’s why this season we want to share with you safety tips you need to know for hunting season, whether you’re an experienced hunter, a beginner, or just tagging along and trying to stay quiet. ☺

For non-hunters, hunting season can put a damper on other outdoor activities as those who don’t know proper hunting season safety tips are more cautious and apt to plan alternative recreation. (We’ve all heard the worst-case stories of people being mistaken for animals in the woods.)

Here’s some things you need to know if you’re not a hunter but still want to enjoy the great outdoors during hunting season:

  • Identify hunting seasons and lands open to hunting. Learn about where and when hunting is taking place and plan your recreation activities accordingly.
  • Wear bright clothing (like hunter blaze orange). Make yourself more visible. Choose colors that stand out, like bright, fluorescent red, orange, or yellow. Avoid earth-toned and animal-colored clothing.
  • Don’t forget to protect your pet, too. Tie a swath of brightly-colored fabric or bandana around your dog’s neck or purchase a hunter blaze orange dog vest, available from many sporting goods outfitters.
  • Make noise. Whistle, sing or carry on a conversation as you walk to alert hunters to your presence.
  • Be courteous. Once a hunter is aware of your presence, don’t make unnecessary noise that disturbs wildlife. Avoid confrontations.
  • Make yourself known. If you do hear shooting, raise your voice and let hunters know that you are in the vicinity.
  • Choose an alternative place or date. If you don’t feel comfortable out in the woods this time of year, choose an area where hunting is not allowed, like most (but not all) national or state parks (check ahead to be sure). The most heavily hunted seasons last only a few weeks—find out when they occur and schedule your activities around them.

Tips For Hunters, too. The above tips for non-hunters also apply to hunters, with the addition of completing a state-certified hunter education course, plus reviewing firearm safety.

  • Review and follow the four basic rules of firearm safety. The most common hunting incidents result from hunter judgment mistakes. To avoid hunting incidents, every hunter should review and follow these basic rules:
    1. Treat every gun as if it is loaded.
    2. Never let the muzzle of a firearm point at anything you do not intend to shoot.
    3. Keep your finger off the trigger and out of the trigger guard until your sights are on the target and you are ready to shoot.
    4. Always be sure of your target and what is beyond.
  • Remember common sense safety rules. When you go hunting, keep other common sense safety rules in mind: check the weather report before you go, tell someone, where you will be hunting and when you will return and carry a first aid kit as well as a spare set of dry clothing.

Whether you’re setting the tree in the stand or sitting in a tree stand this holiday season, we hope it finds you visions of hunting safety dancing in your head. ☺

Get more hunting safety tips at http://www.huntercourse.com/usa/

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Protecting What Is Most Important

November is Child Safety and Protection Month. This powerful issue raises many special thoughts in my mind. You insure and protect all of your assets—except your most important one, your children! If you don’t have life insurance for your kids, now is the time to invest for their future.

I know this is the last thing you want to think about, but really it should be at the front of your mind. Investing in life insurance for your kids will guarantee their insurability for life, usually no matter their health.

I have a good friend who is an insurance agent like me who lost his son in a tragic accident. Although their family suffered a devastating loss, the fact that the child had life insurance helped provide a financial cushion for them. Life insurance covered many bills, such as paying off student loans and car payments, after the child’s passing. The additional stress of an unexpected financial burden was avoided.

Do you know someone that has tragically lost a child? Not only did their family experience that incredible loss, but they were faced with overwhelming costs (medical bills, final expenses, etc). Don’t find yourself in this situation!

Things like this are real, they’re here, and they can happen to any one of us.
It is critically important to make sure that your kids are provided for.

Call Our Office TODAY To Talk About Your Child’s Life Insurance!

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November is National Child Safety & Protection Month

November is a time to be thankful for all of the blessings in our lives and for many of us; one of the biggest blessings is our children. This month is Child Safety and Protection Month. Take a few minutes to evaluate the safety of your home and update any safety needs. It is much easier to prevent accidents than to deal with the aftermath hence, properly protecting your home is important.

Here are a few things to keep in mind when making your home and vehicle safe:

Vehicle Safety: Regulations regarding child safety restraint systems vary. Make sure you are familiar with the requirements in your area. Check that car seats and boosters are properly installed. If you are unsure how to install them most local police and fire departments can help.

Home Tips: Here are a few things to check in your home to help keep your children safe.

  • Prevent falls by installing bright lights on stairs and landings. Keep areas near stairs free of clutter and toys.
  • Medications, cleaners, and other harmful substances should be kept out of reach of children or in a locked cabinet. This is especially important with young kids.
  • Keep your local poison control number handy.
  • Test your smoke alarms on a regular basis.
  • Conduct fire drills.
  • Do not leave a stove unattended.
  • Burners and ovens can be a danger to children.
  • Use back burners and always turn pot handles toward the back of the stove.
  • Adjust your water heater to 120F to prevent burns.
  • All outlets should be covered with outlet covers.
  • With toddlers and young babies, the best way to make sure your house is safe is to get down at the eye level of your child. Crawl around the floor to get an idea of what is at their eye level. It may seem silly but can be crucial to keep the little ones safe.

    Yours and your family’s safety is Our Agency’s #1 Priority! Use these tips to help keep children safe.

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    Thank You to Our Veterans

    I would like to take this opportunity to say “Thank You” to all the veterans who have served our country faithfully. We give extra thanks to those men and women who are currently serving our country in the armed forces and the families who support them.

    I am very proud of all the servicemen and women I know personally, including many among our agency’s friends, family, and customers. The sacrifices you make on daily basis are very much appreciated.

    From me and everyone else here at the office, we hope that you
    have a very happy, safe Veterans Day.

    It is important to stop, slow down for a moment to think of everything you are grateful for including our veterans.

    This Veteran’s Day take some time to thank the special veteran’s in your life and let them know how much they mean to you.

    As we near the end of a historical year, take this time to show your gratitude to everyone you are thankful for throughout the month of November.

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