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With the holidays just around the corner, it is a great time to review holiday safety items around the household. Especially if you plan on a lighting display. When it comes to holiday décor, some families go all out. Regardless of your level of displays it is...

A Call for Facts of Loss When you’re involved in a car accident the first thing that happens after you report your claim is you receive a call from the insurance adjuster. An insurance adjuster looks at your coverages, listens to your statement about what happened...

If your teen just got their driver’s license, then you understand the importance of making sure they have the right insurance. Keeping them as safe as possible includes making sure that they’re insured in the event of an accident, so let’s talk about what you need to...

October is Cyber Security Awareness Month. Since the pandemic, more individuals are using digital accounts for purchasing through the internet. This can leave you vulnerable & increase your risk for a cyber-attack. The majority of cyber-attacks begin with phishing...

Leaving for college is an exciting time for your child. Whether your child is moving out of state, moving out of your home or even living with you at home, college is a new chapter in his or her life. Being your agent, there are a few common questions we get asked...

FEMA, Ready.gov and Listo.gov are big voices in reminding Americans that September is National Preparedness Month. Ready.gov is a great resource for teaching you how to prepare for a natural disaster. What do they consider a disaster? Wildfires, flooding,...

Whether you are looking to buy an investment property or are looking change your existing home into a rental property, there are some things you should know about becoming a landlord. Most people choose to become a landlord for the financial investment. By following...

Many homeowners upgraded their homes in the last 18 months. Whether it was bringing a furry friend into your home, updating a kitchen or bathroom or adding additions like a swimming pool, trampoline or detached structures, these upgrades make living in your home more...

When it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your...

Many insurance carriers offer telematics for an auto insurance discount. If you are seeking out additional auto insurance discounts to lower your monthly or annual premium, talk to your insurance agent to see if your carrier offers telematics. Many carriers do! How...

Many people have used the COVID-19 pandemic to assess their current living situation. Whether it is finally getting to those home improvement projects, getting out in your yard or garden. Others felt inspired to make some major renovations to their homes. If you fall...

Being in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every...

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...

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...

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...

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...

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...

Asking your existing insurance agent these four questions will help you understand if they know you and your business: What does my business insurance cover? What risks are not covered? How much property insurance do I need? What can I do to lower my premiums? If your...

Over the past month, we have seen nearly all personal auto insurance companies provide a refund or credit to April and May premiums.  We have been asked by many clients when they will we see the refund/credits and also if the refund/credits will extend beyond May....

“Bring solutions, not problems” is one of my favorite Mark Cuban quotes. Previously, I advocated a joint private/federal solution going forward, much like that of federal terrorism insurance. But now I understand there is a solution that will enable insurance...

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...

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...

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...

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...

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...

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....