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How to drive safer with potholes

How to drive safer with potholes

Potholes are one of the most common road hazards. It’s important for every driver to know how to avoid them, drive over them, report them and take care of their vehicle when damage happens. Here’s your guide to driving safer with potholes. How to safely avoid potholes...

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5 Improvements to Increase Your Home’s Resale Value

5 Improvements to Increase Your Home’s Resale Value

Small Improvements can make a Large Impression on Potential Buyers. A recent Zillow survey found that 81% of people reported spending more time at home this year compared to the same time last year.  No doubt, COVID-19 is the major difference.  You may decide to...

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5 Used Car Buying Tips – How to Save Thousands

5 Used Car Buying Tips – How to Save Thousands

Here are five steps to buying a car and saving you thousands of dollars. Buy a 2 to 4-year old car New cars are nice, but the amount of money you lose to depreciation in those first few years is high.  Think about having two different buckets of water.  The first...

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Historically Low Interest Rates

Historically Low Interest Rates

Mortgage rates finally eased enough to drop into the upper 2% range for the first time. The previous record low 3.03% is now at 2.98%. The interest rates steal the headline, but you must take into account the associated fees paid to obtain the rate. While some...

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First Legal Cases on COVID-19 Business Interruption Claims

First Legal Cases on COVID-19 Business Interruption Claims

There exists plenty of contention over whether business interruption losses from COVID-19 are covered under insurance contracts. Plaintiff lawyers representing business owners have promised to fight to make insurers pay, while insurance companies contend that policies...

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How to Protect Pets While Driving

How to Protect Pets While Driving

We know that your special pet is your "fur-baby", and you want to keep them safe.  Before you go cruising with your canine or kitty, it's best to review some of the different ways to keep your "baby" safe while driving short or long distance.  Check out these simple...

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Am I covered? What policies are available for my business?

Am I covered? What policies are available for my business?

Am I covered? What are my risks? What types of policies are available to me for my business? These are questions that every business owner should be thinking about and every good insurance advisor should be able to answer. McMichael Insurance is an independent...

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Top 8 Water Safety Tips for Families

Top 8 Water Safety Tips for Families

Water safety encompasses a person's behavior in and around water.  Before going to the pool, beach, or lakeshore, make sure to teach your children these top basic water safety tips to ensure a safe and fun water experience. Never Swim Alone Supervise Children When...

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Three Simple Ways to Prevent a Pool Tragedy

Three Simple Ways to Prevent a Pool Tragedy

Most drownings happen quickly and silently, and oftentimes can be avoided.    One way to avoid fatalities is to designate an adult caregiver as a "Water Watcher" by the pool or body of water.  This responsible adult will have the role of actively watching any child in...

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10 Most Common and Costly Type of Claims

10 Most Common and Costly Type of Claims

MOST COMMON TYPES OF CLAIMS The Hartford’s analysis provides insight into the types of claims small businesses can expect. The insurer cited the following as the ten most common types of claims incurred by small businesses; the percentage shown next to each type of...

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Opinion: Should Personal Auto Companies Continue Refunds/Credits

COVID-19: Personal Auto Refunds or Credits

Updated 04/27/2020 There are more people at home, driving less, and having fewer accidents.  Given this trend, over the last week we have seen a myriad of insurance companies making announcements about premium refunds or credits for their personal auto insurance...

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Can insurers help businesses recover from COVID-19? A solution we should all get behind

COVID-19 Update

We are treading in unknown waters these days and we are all in the same boat.  We are all trying to preserve as much cash as we can since things seem so uncertain in these times.  I would like to address a whole host of issues for you and have been thinking through...

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Simplified Underwriting – NO Medical Exams Yippee

Simplified Life Underwriting is now the solution to remove the barrier of buying life insurance.  LIMRA finds only 15 percent of all U.S. households shop for life insurance in a 24-month period. Of those, just two-thirds actually get a quote for a life insurance...

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Just How Important Is Life Insurance?

Just How Important Is Life Insurance?

According to LIMRA research, thirty-five percent of households would have financial difficulty within one month of a primary wage earner passing. Despite 59 percent of consumers having some type of coverage (individual or group), about 1 in 5 of those owners say they...

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Sample Life Rates Made Easy

Here are sample life insurance rates. The following are monthly rates based on $250,000 10-Year term, in the rating tier Preferred Plus Non-Smoker.  Most people fall in the Preferred Non-Smoker rates. Male Age 25: $13.48 Age 30: $13.69 Age 35: $15.18 Age 40: $17.51...

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Should I Replace My Roof? Here are 5 Simple Items to Consider.

Should I Replace My Roof? Here are 5 Simple Items to Consider.

Most people don't think about the roof over their heads until it springs a leak.  Don't wait.  The first step in determining whether it's time to replace your roof is identifying the issues that you may notice.   Below are five items to consider. Cracking Shingles are...

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Here’s the Reason Why Home Sale Prices Are So High

Here’s the Reason Why Home Sale Prices Are So High

For years, home prices have been climbing to record highs in much of the country. This has sidelined many aspiring homeowners and taken a toll on the budgets of those stretching to make it work. The reason? There simply aren't enough homes to meet the demand, pushing...

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Home Insurance: Test Your Knowledge with a Quick Quiz

Do you ever feel confused or overwhelmed by the finer points of homeowners insurance?  You're not alone.  The most familiar terms also tend to be the most commonly misunderstood.  If you want to make the most of your policy and avoid surprises in the future, it might...

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It’s not there!  How to Avoid Package Theft

It’s not there! How to Avoid Package Theft

For all the convenience that ordering online gives us, there is an unfortunate downside – our delivery may be taken by someone else before we’re able to get our hands on it. Package theft, especially around the holidays, is a growing inconvenience for many consumers....

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Watch Out for These Homeowner Mistakes

Watch Out for These Homeowner Mistakes

Few things in life are as stressful as buying a home. However, the real work of owning a home comes once you move in.  Things can go wrong and often do.  However, you can be prepared to handle the ups and downs of home ownership by being aware of these...

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How to Get the Most out of Your Car Tires

How to Get the Most out of Your Car Tires

Your car’s tires won’t last forever, but with regular attention you can keep them in good shape for several years. Here are a few ways to check on your tires each month to extend their performance and stretch your initial investment – all while staying safe on the...

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Three Financial Questions to Ask Prior to Selling Your Home

Before you sell your home, you need to understand the finances involved in the process. This will help you have a smooth transaction and set you up for success with your next home purchase. Here are three important questions to ask yourself before you list your home...

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In case of emergency: How to prepare your phone

In case of emergency: How to prepare your phone

Today, our phones are rarely outside of our reach. This makes them one of the best tools we have for quickly responding to an emergency situation and increasing the chances of a more positive outcome. How prepared is your phone to handle an emergency? In most...

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Have You Updated Your Employee Handbook Recently?

Have You Updated Your Employee Handbook Recently?

When was the last time your organization’s employee handbook was updated? If the date is unknown, then it’s way past time to make the necessary changes. If the employee handbook remains out of date, the chances that it could become a harmful liability increases...

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How to Retain Employees

How to Retain Employees

When a skilled, valued employee leaves an organization, everyone loses, including the bottom line. In fact, the average cost of turning over a skilled job is 213% the cost of one year’s salary. Translation, if an employee who earns $50,000 a year quits, the...

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