Monthly Archives: August 2014

Labor Day Fun!

With Labor Day approaching it’s time to make plans and prepare. Millions can’t wait to hit the road, but some Americans choose to stay close to home. Why sit around stuck in traffic when you can linger at the grill and share a cold beverage – or two – with friends? Here are a few tips to make your party a fun and safe time for everyone.


  • Pick a safe spot to grill. Keep it away from the house or any branches or plants that could ignite. If your grill is next to your house pull it out away from the structure of your home.
  • Keep it clean. Accumulated grease inside your grill can catch fire, so clean it before use. Keep uncooked meat and utensils used away from prepared food.
  • Make your grill a kid-free zone. Set up a play area for children well away from the hot grill.


  • Don’t leave your grill unattended. Even for a minute. If you must step away for more spices or a clean plate, appoint a sous chef to keep watch.
  • Don’t bring the party inside. Not even into the garage. Overhead surfaces could also burn.

Grilling isn’t the only danger when you host a party. If a guest sues you because he or she got hurt on your property (and it could be your fault), personal liability coverage in a standard homeowners’ insurance policy typically can help protect you.

If that guest does not file a lawsuit, the medical payments coverage in a standard policy could come into play. It can help with medical bills associated with the injury.

Check your policy for details. If you are renting a home make sure your rental insurance covers it. We hope you have a safe and fun holiday!

We have one more iPad to give away, all you need to do is call us for a free quote to be entered

IPad Winner for July

IPad Winner for July

We are excited to announce that Kim Johnstone from Elliot Homes is our IPad winner for July!!

We hope Kim enjoys her new IPad and we are looking forward to seeing who the next winner is…

We only need 10-15 minutes of your time on the phone and we will not be a nuisance afterwards. We love our clients and our community and just want a chance to show you how much we really love you! (And possibly get you better insurance than what you currently have!)

Be sure to share this with your friends and family for your and their next chance to win!!

Buying a New Motorcycle

Are you are buying your first motorcycle? What do you need to know before you bring your bike home from the dealership? Before you enjoy the freedom of the open road on your first new bike, here are a few things you may want to consider.

Take a Rider’s Course

A motorcycle safety course can help build your confidence prior to purchasing your bike. Designed for beginning riders, a safety course often waives your state’s motorcycle test as well as introduces you to basics of motorcycles. It can also help you decide which type of bike you purchase. Taking a course like this may result in your insurance company offering a discount on your premium, as well. Do a little online research to find novice courses near you.

Buy Good Gear

Consider proper riding gear, even in warm weather. Gloves, jackets with padding that still allow air flow and boots that protect ankles can help prevent serious injury if you are involved in a crash. Although not mandatory in every state, you may consider a Department of Transportation-certified helmet as part of your safety gear. While most states have some sort of motorcycle helmet law, the requirements vary state to state, and some have no such law. Consult your state’s laws and regulations for accurate compliance information.

Can You Handle the Horsepower?

Consider just how much horsepower is adequate for you. A 650 cc engine may be too much for a novice biker to handle at first. However, if your goal is to take lengthy bike trips, you may need 650 cc or more. Once you buy your first bike, you may find you want more torque or more comfort. Many bikers found that their first bike was only a beginning — if one bike is good, three are better, some would say. Either way, pay attention to your needs and get the bike that’s right for you.

Sticker Shock

The final step in buying a motorcycle is determining your budget. Quality motorcycles can run anywhere from a few thousand dollars to $25,000 or more. You may be able to afford a higher-end bike, but many experienced riders recommend starting with a used model to be sure you like riding and because it’s likely you’ll have a minor spill or two as you learn.

Another aspect to consider is insurance, some bikes may come with higher premiums. Contact us for quotes on any models you are seriously considering.

Once you have your new bike, you will want to keep it in new condition. Research and use the best sealants, waxes, tire care products and other preventative aids. A good cover may be a wise investment, as well. Make sure you find a quality motorcycle mechanic to keep your bike in tip-top condition.

. Take your time with this important decision and enjoy the ride!