INSURANCE IS CHANGING:  Due to the many catastrophic weather events in this country during the past few years, the climate of property insurance is rapidly changing.  Insurane companies simply don't operate the same as they did even a couple of years ago.  All companies have made significant changes to the way they underwrite their property risks.  As consumers, you need to be aware of the type of changes that are taking place and what you can do to protect yourself from high rates and non-renewals.  As insurance professionals, we want to help you to understand these changes.  Our staff members are always available to speak with you about the "state of insurance" and how it affects you.

These events have also given many people a reason to assess their home and auto coverages, to be certain that their coverages are sufficient.  When checking the coverage for your home or auto, don't forget to include high value items like jewelry, silverware, guns, tools, etc.  In most cases, these items need to be endorsed on your home policy in order to be fully covered.  It's also a good time to take a look at your Life Insurance.  Your needs change with time and the coverage you purchased a few years ago may not be enough to protect your family.  Give us a call for a free evaluation. 

FLOOD INSURANCE.  Many people have inquired about whether or not they may need to purchase flood insurance, in light of recent catastrophic flooding in the South.  If you have questions about Flood Insurance and who may need it, please contact our office.  We will be happy to explain the process and help you assess your own personal risk. 

Your Homeowner policy does not cover flooding.



When stopped in traffic to make a left turn...NEVER cut your wheels to the left.  Always keep your wheels straight, especially when waiting to turn.  Over the years we have known several people who were killed or seriously injured, because of making this one mistake.  If you cut your wheels and another vehicle hits you in the rear, you will immediately be pushed into the oncoming traffic.

Parents:  Please remind your teenage drivers not to text and drive.

RV-Driving Safety Tips

Have a Copilot. You may think the mirrors will be enough to help guide you, but it can never hurt to enlist an extra pair of eyes even when you're backing up, going down narrow roads or turning sharp corners.

"Easy Does It" on the Brakes. The airbrakes in an RV feel very different compared to hydraulic brakes in cars. There's a slight delay when applying airbrakes. Prevent sudden stops by not jamming hard on the RV brakes to overcompensate for this delay.

Follow the "Rule of 20 Percent." RVs take longer to come to a full stop and they accelerate slower. Always add 20 percent whether you're extending your following distance or merging into traffic.

Know Your Propane Tank System. Don't travel with the oven, stove or burners lit. Install a propane gas detector. And, never refuel the engine when a propane appliance is running.

Know Your Height. It sounds straightforward, but many drivers often forget about the height of their RV. Some of the most common RV accidents occur when RVers run into overpasses. To remind yourself of your RV's height and weight, write it down on a piece of paper and keep it near the dash and visible.


   1.  When using a space heater, remember to keep well away from any flammable surfaces, such as furniture, clothing, or walls.  Keep in mind that the electric cord can overheat, also causing a fire.  Space heaters are NOT RECOMMENDED for routine heating of your home.  Claim statistics have proven that they are dangerous, even when used with caution.

   2.  Never leave small electrical appliances such as irons, hair dryers, toaster ovens, or curling irons plugged in.  These small items are the cause of a great many housefires.

   3.  Don't leave your clothes dryer or dishwasher turned on when you leave the house or go to bed at night.  These appliances are two of the greatest causes of house fires.

   4.  Turn your Christmas lights OFF, when you leave home or go to bed.   


Safeguard against Identity Theft with these simple measures. Photocopy the front and back of all credit & debit cards in your wallet.  Keep the photocopy in a safe place in case your wallet is stolen or lost.  The copy will provide you with all of your account numbers and the phone numbers to call, to report the loss.

Don't sign the back of your credit cards.  Write "PHOTO ID REQUIRED" on the signature line.  Then thank each sales person who asks for your  photo ID. 

When ordering checks, use only your initials and last name.  Never have your social security number or driver's license number printed on your checks. 

When ordering Online - use a credit card instead of your debit card.  If your card is compromised, you will have an opportunity to dispute the charges.  With a debit card, you'll just find out that your money is gone and you will have to wait for the bank or financial institution to recover and/or put the money back into your account.  Many credit card companies also have a "shop safe" feature on their website.  This enables you to apply for a temporary card number and amount, just for phone and internet orders.  Contact your credit card company or bank to find out if they have this feature available. 


Jesus said, "I am the way, the truth, and the life.  No one comes to the Father, except through Me." John 14:6