Little Umbrella Resource Kit

Personal Auto Insurance Premium Credit Information

Many auto insurance companies in the United States are giving premium refunds to their clients due to decreased auto usage during the Covid-19 pandemic. Billions of dollars of auto insurance premiums will be refunded in the coming months. Below is a list of some of the carriers that we represent that are offering refunds and […]

Smoke Detector Best Practices

Every homeowner knows that smoke detectors are crucial, but do we really utilize them to the fullest degree? The National Fire Protection Association estimates that 890 lives could be saved each year if all homes had working smoke alarms. This number is drastically lower than the number of deaths caused by home fires before smoke […]

Will Using Nicotine Replacement Products Increase My Life Insurance Rates?

As a former smoker, you heard it a million times: you need to stop smoking for your health and your budget. So you did! And you started using smoking cessation products like gum, patches, or e-cigarettes that contain nicotine in order to kick the habit. However, the time has come for you to upgrade your […]

How to Inform Your Kids About Fire Safety

Letting your little ones know the importance of being safe when a fire breaks out is imperative but can also be daunting. Such a serious subject can either be too much for them to handle, or it might go right over their heads. So how do you discuss the subject with them the right way? […]

Term and Whole Life Insurance: Explained

Life insurance is nobody’s favorite subject of conversation. Most people associate life insurance with expensive monthly premiums and, more importantly, their own mortality. For that reason, many people aren’t sure how life insurance works, or what their options are. However, thinking about your life insurance policy is very important! It is intended to lessen the […]

How to Get Your Home Ready For a Safe Halloween

Witches and ghouls are scary for the kiddos, but as a homeowner, you know that the real terror of Halloween lies in vandalism, lawsuits, and liability claims. Use these tips to make your home and belongings safe on Halloween night, both for you and your spooky visitors. Be All In or All Out Trick-or-treaters expect […]

Avoiding and Reacting to Automobile Fires

Imagine you are driving down the interstate when black smoke starts rolling out from under your hood. Do you have any idea what’s going on? How are you going to react? Automobile fires are pretty rare compared to other types of highway incidents, so most people don’t know what to expect or how to handle […]

4 Steps to Protect Backseat Passengers

Studies show that the safest place for your child to ride in the car is the backseat. However, simply riding in the backseat isn’t enough to ensure your passengers’ safety. Certain precautions should still be taken for both children and adults riding in the back to reduce their risks of injury or death. Aim For […]

The Insurance Benefits of Impact Resistant Roofing

Scientific and architectural advancements are making homes safer and more durable than ever. For instance, houses are made with flame retardant materials that lower the chances of the home burning to its foundation. Roofs are no exception to these advancements, and choosing the right roof for your home might actually save you money on your […]