Summer season can be the best time of year to enjoy your boat or motorcycle. Whether you enjoy the long days, warm weather, or enjoy using your ride to relax, being a boat or motorcycle owner has its perks. Here are a...

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If you are looking to add a swimming pool to your property, you may be curious how it impacts your home insurance policy. First of all, you will need to alert your agent of the swimming pool addition. If you do not...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Recently, we discussed the importance of understanding four basic auto insurance coverages; liability including bodily injury and property damage, and comprehensive and collision coverage. Almost all states require...

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There are many ways you can purchase auto insurance for your vehicle. Calling a local independent insurance agency can offer you some additional benefits and personalized service as well as help you select the right...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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According to National Safety Council (NSC) driving has become more dangerous in the last two years. Motor vehicle accidents are up 9% from 2020 and 18% from 2019. Car accidents where drivers collided with other vehicles...

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While our agency does not specialize in short-term insurance policies, there are a few scenarios that can warrant the need for short-term insurance policies. Let’s take a closer look at a few of these. Traveling to...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Spring is in the air! Plants are starting to bloom, days are feeling longer and weather is getting warmer. There are many things to be excited for when it comes to a new season. Our agency shares five things to consider...

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With spring on the horizon, some of you may be finding yourselves thinking about getting a motorcycle license. After all, motorcycles offer great fuel economy, easy parking, and a unique driving experience. For most...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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A surprising number of people simply choose to use the same insurance company as their parents which means that oftentimes there’s a lack of insurance shopping. Moreover, it seems that the only time some customers look...

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When it comes to auto insurance it seems like all we hear about is discounts. But what discounts are there and who is eligible for them? Let’s take a closer look. Bundle Discounts: Bundling multiple policies like auto...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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Riding a snowmobile or snow machine, is an exhilarating experience. Riding a snowmobile across an ungroomed open field with powder snow flying away can be memorable but comes with its share of risks. Regardless of...

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When shopping for home or auto insurance, you have an abundance of choices. You can call the number on TV or shop with a local big-named brand, but then you only get one choice. Independent insurance agents offer...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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If you’re a homeowner, then you’re aware that it can be complicated to make sure your home is protected. If you’ve ever worried about your home being secure and free from damage, then you should consider purchasing...

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If you’re a homeowner who lives in a colder climate, then you understand the importance of preparing for the winter. There are so many factors that can occur when the colder weather sets in and it’s important that you'...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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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....

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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,...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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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...

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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....

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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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,...

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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...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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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...

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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...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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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...

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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...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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If you are a millennial, there is a good chance you rent a home, apartment or condo. According to surveys, up to 70% of millennial renters do not have renters insurance. This is an alarming statistic. Whether you are a...

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When it comes to insuring a vacation home, the insurance landscape can look slightly different from that of primary homes. While the risks are relatively similar, you’ll find that some added perils come with vacation...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Did you purchase a RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in a RV, travel trailer or simply went camping more in order to safely travel &...

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How do I choose the right insurance company when there are so many to choose from? With such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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When it comes to insuring your boat, it can be hard to know where to start. Most new boat owners start by wondering how much coverage will be provided by an existing home insurance policy. But it’s often best to...

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April is Distracted Driving Awareness Month. According to National Highway Traffic Safety Administration, 3,142 lives were lost from distracted driving accidents. This increased 10% from 2018. What is considered...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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During the pandemic, many individuals may not feel comfortable getting on an airplane. However, many still want to travel. Perhaps a road trip can be the answer. Road trips allow you to see what is between your home and...

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The auto insurance industry landscape is changing as more companies embrace emerging technology. No longer are auto insurance rates based solely on your age, marital status, where you live, or the number of violations...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Winter driving brings a whole new element of risk to the road. Driver's concentration and a car's integrity are continuously put to the test in frigid weather. Making the decision to change your tires at the right time...

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Jewelry is often one of the most valuable belongings in your home and, for this reason, it’s something you may want to consider insuring. Most pieces of jewelry can be fragile, easily lost, and they are among the first...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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It’s the New Year and like many people this time of year, resolutions are being made. If you are looking to be tidier or organized in 2021, we have some tips for you! Create your checklist First off, what areas of your...

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Avoiding Frozen Pipes When the temperatures drop in the winter, there is a possibility that your water pipes could freeze. Since water expands when it freezes, there is a chance that a pipe could burst, which could...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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When did commercials become interesting and funny? Watching TV has become more about how entertaining the commercials are versus the sports we happen to be watching, like a big football game. Advertising is big business...

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Owning a home is a great way to build wealth and give your family a place to build memories. Insuring your home correctly is important to protect your investment and your family’s well-being. Today we will go over three...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Maintaining a healthy lifestyle, especially during these challenging times with the COVID-19 pandemic, is very important for every truck driver in America. Here are four ways to stay healthy on the road. 1. Choose More...

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Did you know that there is an increased chance of hitting a deer from October to December? Yes, this is considered deer season so it’s important to keep an extra eye out for deer this time of year. Being informed is key...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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It is a sad time of year when we have to say goodbye to long warm summer nights and hello to more moderate weather and shorter days. But, the good news is pumpkin lattes are out again. With fewer boat, motorcycle or...

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It isn’t uncommon for people to type into a Google search bar, “best place to find car insurance” or “best insurance rate.” There are many ways to purchase an insurance policy but there are countless benefits of buying...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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When many people think of a commercial auto insurance policy, they may think of big vehicles such as semi-trucks, box trucks, garbage trucks, etc. However, there are many variations of vehicles that would qualify for a...

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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...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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If you are the lucky owner of a classic car, you can appreciate the uniqueness of the vehicle as well as cherish the nostalgia of owning it. Classic car owners invest in classics for countless reasons. Some, purely...

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With summer in full swing and some modified socially distant outdoor fun happening, we thought it would be a great time to discuss some common insurance claims that can occur during the summer months and how to protect...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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We have all heard of earthquake insurance, but is it required to purchase if you own a home, condo or investment property? The answer is no. However, it is important to keep in mind that your standard home, condo or...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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The process of going from being a homeowner to a real estate investment/landlord is an exciting time. Not only are you working towards creating an extra revenue stream for your income, but you’re investing in what has...

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Consider Sunday, June 28th a day to think about your current insurance policy. While this can be a good time to do annually at your renewal, you may have been thinking about your policy again since COVID-19 hit. Reach...

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According to the Insurance Information Institute, homeowner insures paid over $796.8 million as a result of 17,802 dog bite claims in 2019. We would like to briefly go over what happens if your dog were to bite someone...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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Spring is here, which means motorcycle season has arrived. Whether you enjoy going on long road trips or simply just like taking your motorcycle for a ride around your town, it’s important you have the right insurance...

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If you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Working with a local, independent insurance agency has many perks versus trying to figure out your insurance policy by yourself & purchasing it online. Not only do independent insurance agencies represent the top...

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2020 has been the year where many more individuals experience working from home instead of driving into work. For some, this may feel luxurious, while other individuals may feel lost and unsure how they can be...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Having a clean home or a clean car is a great feeling. While it can be a pain to get started mentally, it’s always worth it once it’s complete. Here is a quick checklist to help you when it comes to spring cleaning your...

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A lot of people take great pride in their vehicles and for them it isn’t only an asset, it is something that expresses their individuality. But, if you’re customizing a vehicle, whether it be a car, motorcycle or ATV,...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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When it comes to purchasing auto insurance there are many myths that exist. Let’s take a closer look at some of these myths and help you understand why they may not be true. Auto Insurance Is More Expensive For Men If...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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Flood insurance is one of the more commonly misunderstood insurance coverages. Many homeowners assume that if they have a homeowner’s insurance policy, then they’re covered from all water damage that could occur to...

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Older homes exude character. Not only do their walls tell a history, but often the character, details and warmth inside of one of these homes is unmatched in today’s quickly built society. Instead of taking months to...

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There are many ways these days to buying an insurance policy. Some people may feel the easiest way is to simply go online and purchase it yourself. You could even shop many carriers yourself to find the best rate for...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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The season of giving (and receiving!) is such a joyous time. Not only do families typically make the most effort to get together, but it is a time to enjoy some holiday cheer with some gift exchanges and great food and...

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“Bundle your home and auto & save!” “Save by bundling your insurance policies together!” We seem to be inundated with commercials and advertisements telling us to bundle our insurance policies together. What is the...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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At some point, it is possible that you may need to have SR22 Insurance. SR22 Insurance is actually not insurance at all, but a certificate that proves you carry insurance and meet your states liability requirements. The...

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The U.S. Dept. of Agriculture cites as many as 2 million collisions with animals occur each year. It can be a scary moment when you are driving 70 mph on the freeway and a deer or other wildlife comes out of nowhere and...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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Whether you are thinking of starting a new career or simply want to make some extra income during your down time, working for companies like Uber or Lyft can be a good move. However, you will need specific insurance to...

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Owning your first home is one of the most exciting and biggest accomplishments in life. It is a memorable time and something to be proud of. With this excitement comes the responsibilities of maintaining and insuring...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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We all know the importance of having a smoke detector in our home, but what about a carbon monoxide detector? Carbon monoxide is a colorless, odorless gas that can be lethal. Carbon monoxide can build up in your home...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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In order for you to be best protected, it is always recommended that you carry a separate trailer insurance policy. Because of the countless situations that may occur with a trailer, it is not entirely possible to say...

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Renters insurance is a great thing to have if you’re not a homeowner. We’ll answer the top questions we get about renters insurance below. How Much Is Renters Insurance Per Month? The cost of renters insurance can vary...

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The cost of repairing or replacing a transmission or engine in a car can be daunting. Many people wonder what exactly is covered by an auto insurance policy. Does an auto insurance policy cover things like transmission...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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What Is The Best Way to Protect My Assets? - You’ve worked hard for your assets. Whether it’s purchasing your home, an investment property or vehicle or saving for retirement, it has taken years and years of consistent...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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Planning A Summer Road Trip? Consider Roadside Assistance. - Oh, the great American road trip. Whether you are driving across the country, making a trip to visit our beautiful National Parks or simply just exploring...

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More and more people are taking advantage of the extra income they can make by doing an AirBnB, VRBO or other rental out of their homes. This is a great way to save money for college, pay off your mortgage, pay for a...

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With summer upon us, many of you will be getting your boats out or maybe even buying a new one. When it comes to insuring your boat, you don’t want a policy that is the least expensive - you want the right coverage....

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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Nobody wants to experience a home disaster & it’s not like you can predict when one will happen. If you were to experience a fire, flood, earthquake or other home disaster, would you be able to name every single...

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Riding a scooter or moped isn’t only fun, but you look great riding one. The benefits of using a scooter to get around aren’t only limited to fun, fuel economy and ease of parking. Insurance is cheap too! There are many...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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There are few furry companions in this world who can bring joy to your life as much as a dog. For dog lovers, your pets are as much a part of the family as any other member of the family! Along with the incredible fun...

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Four-wheelers, ATVs, UTVs, side-by-sides and more are so much fun! Some are used for work purposes such as around the farm or hunting, but many are used purely as a recreational vehicle for weekend fun! Regardless of...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Ah, boating. Whether you enjoy taking your boat out for a ride, waterskiing or fishing, boats bring joy and relaxation. Like any vehicle, there comes risks with operating a boat and understanding your insurance coverage...

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Whether you are searching for car insurance, shopping for a lower car insurance rate or just need a new plan, you’ve come to the right insurance agency. Our agents will shop to find the best insurance rate &...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Check if the website it secure. A simple way to check is to look for the lock symbol in the left corner of the search browser. Any website where you are putting in your credit card information or personal information...

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When it comes to insurance, most people think of how they can save money first. We get it, insurance can be expensive! You want good coverage, but at an affordable cost. Being a local insurance agency, we provide many...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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It is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your...

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When it comes to vehicle safety, few things are as important as your tires and you should regularly inspect them to ensure they’re in good shape before taking your car out on the road. Tire safety is much more than just...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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Full coverage has different meanings to different people. When most people refer to full coverage they’re referring to a mix of insurance coverages to protect their vehicle. That being said, there is no such thing as “...

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The holiday season is here! No matter how you celebrate, you have likely added some holiday décor to your home. Lights, candles and festive plants add a wonderful, warm ambiance to areas of your home but take some extra...

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Anyone who wishes to protect themselves from major claims or lawsuits, or would like to protect their assets or earnings would benefit from an umbrella insurance policy. Insuring your future is what an umbrella...

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There are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity,...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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According to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your...

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With winter season approaching, now is the time to do a few simple tasks around your home. Not only can this prevent damage from occurring, but it can help keep your home exterior clean. Instead of giving you a long...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Are you prepared for a disaster? Recent articles online, in the newspaper and commercials on televisions remind us that disasters are just a moment away. It is easy to think that’s a good reminder, yet fail to act on...

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If you’re searching for a new auto insurance policy and the company or agent tells you you’re “high risk” what exactly does that mean and what can you do to improve that? While there is no real definition of what a high...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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As cooler weather approaches at night or you park your car outside during the winter months, chances are that sooner or later a rodent will find its way inside of your warm vehicle. Rodents like rats, mice and even...

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When you are on vacation renting a car, you will most likely be asked if you want to purchase insurance for the car. Sometimes purchasing that insurance policy is needed, but other times you may already be covered with...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Summer time is a great time to go on a road trip! Whether you are exploring a National Park, traveling through a state or going across the country, being on the road is memorable. Road trips are fun, but you want to be...

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A local insurance agent listens to your needs then finds a customized insurance policy that fits those needs. When looking for insurance, consider your local, independent insurance agents in Beckley, WV. We do more than...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Having a swimming pool on your property is a luxury and takes a lot of maintenance, but oh is it worth it on a hot summer day! If you have kids, the swimming pool seems to be their favorite hangout place with their...

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With summer around the corner, avid campers are ready to get out and enjoy what nature has to offer. If you own a camper or trailer, it’s time to complete a quick tune up to ensure your vehicle is ready for summer use....

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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According the National Highway Traffic Safety Association, 391,000 individuals were injured & 3,477 were killed from distracted driving in 2015. Insurance premiums have skyrocketed because of distracted driving and...

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Many of us collect classic cars and for good reason – they’re valuable assets and they’re fun! Regardless of what you collect or why you collect it, we all share a passion for these vehicles of the past. For those of us...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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As a local insurance agency, we are here to help with all your insurance questions. When it comes to renters insurance, many people assume that since they are renting an apartment, home or condo, they are fully covered...

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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, as well as ensure you are covered for the loss when it...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Cleaning a home deeply should be done once a year and spring is a great time to dig in and actually do it! Instead of focusing on a long list of things to accomplish, we’d thought we’d share five things to keep in mind...

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Whether you are a snow bird who flocks to warm weather in the winter or you’re taking a vacation, you should always protect your home while you’re away. The last thing you want to hear while vacationing is that a pipe...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Insurance policies are full of language and terms that may not be clear right off the bat. Many terms are specific to the industry and to the specific type of insurance that is being purchased. Having a local insurance...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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While buying a home tends to appreciate in value overtime, buying a vehicle is the opposite. Especially if you are buying a brand new vehicle, the moment you drive off the car dealership’s lot, your vehicle has already...

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The start of a New Year always energizes us to start off on the right foot. Whether it’s committing to spend more time with family, exercising more or saving money, New Year’s resolutions are common for everyone. But,...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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The unfortunate reality of home or condo ownership is that over time you will most likely develop a leak that could cause major damage if it goes unchecked. If you own a home or condo, regularly check these places for...

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The holiday season is a joyous time, but unfortunately, it is also top season for theft. If you walk around your neighborhood, it isn’t hard to see all the holiday deliveries left on porches of unsuspecting homeowners....

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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According to the National Bike Registry, 1.5 million bicycles are stolen each year. With college campuses being the biggest source of bicycle theft, it would be great if there was a way to protect your investment that...

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It seems like everywhere we go we have a chance to hear the sound of a UAV, also known as a drone, commonly sounding like a disturbed hornets’ nest. Drones are fun to fly for both kids and adults. They are seemingly...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Protecting and cleaning the interior of your car will improve resale as well as improve your overall enjoyment of your vehicle. With these easy to follow steps, you’ll have the interior of your vehicle in tip-top shape....

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Owning a secondary home or vacation property can be a rewarding experience and allow you to build so many memories! While owning a vacation home can have countless advantages, it does bring some unique responsibility...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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According to FEMA, flood claims occurred in every state in our country in 2016 with the average claim cost in excess of $31,000. Just because your property doesn’t sit next to a stream, river or other body of water...

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Monthly bills can be daunting and for many, the choice of having food and shelter is more important than keeping burglars or robbers away from your home. However, when times are tough, the last thing you want to do is...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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We’re flooded daily with insurance commercials claiming that shopping with them will get you the lowest insurance premiums of any company out there. Saving money on your insurance is important, but the lowest insurance...

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Attending college is an exciting time for your child. Whether it’s deciding where to go, what to major in or figuring the finances, there are a lot of decisions to think about. Before your child leaves the nest, here...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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According to the Centers of Disease Control and Prevention, roughly 48 million Americans get sick from foodborne illness every year. A foodborne illness occurs when you consume contaminated food or beverages. It’s...

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For your teen, learning how to drive is one of the most exciting times of their lives. Finally, a means to freedom so they think. We all remember the excitement of getting our driver’s permit, then our driver’s license....

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Summertime is one of the most popular seasons to BBQ with friends and family. Whether it’s grilling at your local park or in your backyard, gathering with friends and family on a sunny day always is a memorable event....

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Planning a wedding or a special event can seem like a full-time job. Between determining your guest list, vendors, food choices and the small details, there is so much to consider to make your dream wedding or event...

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We bet you’ve wondered how car insurance premiums are calculated. Do you ever have discussions with friends of similar age and driving history and find you’re all paying very different premiums for what would appear to...

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The United States is known world-wide for having amazing National Parks. There are 59 National Parks scattered throughout our beautiful country, with fourteen being considered UNESCO World Heritage Sites (WHS). Whether...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Many of you may have noticed that the auto insurance industry seems to be continually increasing premiums. While Wickline Insurance represents many of the top insurance companies in the country and we can quote you with...

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According to the National Highway Traffic Safety Administration, a vehicle is stolen every 44 seconds in the United States. Having your vehicle stolen is not only a huge inconvenience, but it is also frightening and...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Mail theft is an unfortunate reality in most of the country. Thieves drive around during the mid-day and night time looking for mail that has not yet been picked up. What are they looking for? Gift cards, credit card...

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Our children quickly become the most important parts of our lives and our dreams suddenly become the dreams of our children. As we look at our own childhoods, we see the seemingly endless shenanigans we caused and while...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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If you don’t own a home safe, it might be time to make the purchase. Not only can they help with theft of valuables or family heirlooms, but they can also protect special documents. A home safe is priceless when the...

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Getting engaged is an exciting time and brings happiness to not only the couple, but their family and friends. While the new couples should cherish this special moment, they should also find an insurance policy to...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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Preparing to sell your home can be a large undertaking. Often, people put off repairs on their home that don’t bother them, but would certainly deter prospective buyers or set off an alarm to a home inspector of other...

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If you’re one of the millions of Americans that rents a home, condo or apartment, chances are you’ve either had renters insurance in the past, or currently do have a policy. If you don’t have a policy, you’ll want to...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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We typically purchase homeowners insurance to protect our largest investment – our home. But homeowners, and often condo and renters insurance too, includes many other items besides your home. Let’s take a look at just...

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Whether you’re purchasing a new home or have lived in the same house for years, chances are there is old paint and other household items that require special disposal in your crawlspace or garage. Batteries: The average...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Imagine if we could buy just one insurance policy and be set for life. That’s a nice thought, isn’t it? Like the good things that happen in life, your insurance policy should change and adapt to your situations. The...

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If you’re like most people, you really don’t like getting junk mail delivered to your home. Not only is it wasteful to you, but the companies paying for the marketing don’t want the wasted funds for print and...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Halloween can be some people’s favorite holiday. Whether it’s fun sized candy, making your own costume, setting up spooky decorations inside or outside your home or carving pumpkins, Halloween brings many of us joy....

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It’s now time to enjoy some amazing fall camping excursions, calm boating on the lake or a motorcycle road trip. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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There are many coverage options to select from when shopping for your homeowner’s insurance. You need to decide on your level of coverage, whether you want a larger monthly payment and smaller deductible or vice versa....

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Being in a hit and run 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, as well as ensure you are covered for the loss...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Do you use your personal vehicle to deliver papers, pizzas, sandwiches, flowers or other deliverables in exchange for money? Do you, from time to time, help your son or daughter with delivering their newspaper route? If...

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There are many scenarios that would warrant the need for an umbrella insurance policy. We outline a few of them here. Example #1: Your teenage daughter is babysitting the neighbor kids and leaves the house for a moment...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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Wildfires occur every year and summer season is also known as fire season. Each year millions of acres across the country are scorched by both nature as well as human caused fire. By knowing how to minimize losses,...

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Purchasing a car is a big investment. Some people keep cars for 10+ years, while others trade them in only after a few years of driving. Either way, taking pride in your vehicle and keeping it properly maintained is...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Many of us celebrate Independence Day by getting together with family and friends or barbecuing hot dogs and hamburgers. Others like to celebrate with fireworks. While fireworks can be exciting and provide great...

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The key to staying safe riding your motorcycle is to be prepared and understand how to avoid risks. Motorcyclists are at a higher risk being on the road compared to a vehicle. Keep these things in mind to dramatically...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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Spring is a great season to start looking for good used campers. Whether you’re looking at a dealership or from a person off of Craigslist, it’s important to know how to look for possible damage or wear. Look for these...

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We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Everyone loves to save money especially if it’s done with a few easy steps. Electricity bills can add up quickly in your home, but by making a few small changes can lower those bills and save money for other things in...

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Spring season can bring so much joy to garden lovers. Growing your own garden saves money on groceries each week, plus can give you the personal satisfaction of growing your own food. It’s fun when you can involve your...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Beckley, West Virginia, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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From genetically modified crops to the environmental and health effects of pesticides, more and more West Virginia residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in West Virginia, it may be a good time of the year to...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Going outside during the winter months can be a production. You may need gloves, a hat, a heavy coat, boots and maybe more depending on the weather. Your car, the vehicle you rely on to get you to and from home and work,...

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If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Fall is one of our favorite seasons! The leaves, the cooler, shorter days and of course, pumpkin spice everything. There are some seasonal dangers associated with fall that can be quite hazardous if one is not prepared....

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The home is a safe haven that is often impenetrable from the troubles and dangers of the outside world. We don't often think about the unseen risks that could be lurking in homes, although there are a few gases that can...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Here are 5 great reasons to choose an independent insurance agent when shopping for insurance in West Virginia. - We live in the digital age. We can get instant results like game scores, recipes and silly videos at the...

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College Students: We need to talk to you about auto insurance in West Virginia. - College is an exciting place. New experiences, friends and knowledge await wherever you go. Before the fun starts, there are some...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Getting out on the open road with the family can be a great summer pastime. Whether your road trip takes you to a national park, a beach or to visit family, it can be a great opportunity to bond as a family that...

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We have all heard the auto insurance commercials talking about the discounts this insurer or that insurer offers. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts...

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It is fairly easy to tell the difference between a car and a truck or a motorcycle and a moped, but when it comes to boats and yachts, differences may not be as evident. In insurance terms, the differences between a...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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At some point this summer, you will most likely use fire for something. Whether it be a campfire, fireworks or a grill, the potential for both fun and hazards is present. We put together a few fire safety tips for using...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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A camping trip is one of the great adventures a person (or family) gets to have each summer. Our area is filled with great camping spots, some nestled in the woods some near streams and lakes, but most are great for...

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At some point during this past winter, you may have lost power and depending on for how long, you may have gone and purchased a generator. Some purchase generators for the "just-in-case" scenario, while others use them...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Wickline Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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Spring and summer bring wonderful warm (sometimes hot) weather. With that warmer weather, the potential for thunder and hail storms increases. According to the Insurance Information Institute, the U.S. saw more than 5,...

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While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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When it comes to auto maintenance, there are some things that are best left to the professionals. While you may not be able to repair issues with your engine, transmission or other vital systems in your vehicle, you can...

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The case for Travel Insurance While booking a family vacation there are some important things you should plan for and we'd like to discuss an insurance topic that many people do not know about or elect to not purchase:...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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It has been all over the news lately: data breaches at major retailers have been potentially compromising shoppers debit and credit cards. While your banking institutions and credit card issuers do offer some protection...

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Don't be "that" guy in traffic - We wanted to know what some of your biggest gripes about those other drivers you share the road with. After tallying our unofficial poll results, we compiled a list of bad habits behind...

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Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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An insurance policy usefulness is determined by the policy language used. Specific policy language determines what is covered, what is excluded and the amounts covered under the policy. Reviewing your insurance policy...

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Congratulations, you've purchased a condo!! Home ownership with little or no yard work. You can remodel your kitchen, paint the walls and enjoy your new space. During the purchasing process your agent probably told you...

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of West Virginia. If you are gearing up to...

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As winter approaches you start to prep your home and vehicles for inclement weather. You clean gutters, fix drafty areas and make sure that your emergency kit is stocked. You also store your summer toys. RVs,...

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Wondering what to do when you have an auto accident in Beckley, WV? In the moments after an auto accident there are a million things that will run through your head. Checking yourself and other passengers for injuries...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in West Virginia. Football brings with it a whole host of seasonal...

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Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Wickline Insurance we want you to be...

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For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away But for some families, the holiday is a nightmare. Each year, homes in...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Wickline Insurance, we thought it would be fun to give you a...

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Spring is a time of new beginnings in West Virginia - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Wickline Insurance, some of...

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Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Wickline Insurance want to remind you it's also a great time to...

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It goes without saying that keeping yourself and your family healthy through the winter months in West Virginia can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around...

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Like any other industry, there are many myths surrounding auto insurance. All of them are about increased premiums because of a generalization about the car, but few of them are true. This list of 5 of the most common...

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If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Wickline Insurance wish you a safe journey - and that we'...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Wickline Insurance, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in Beckley...

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It's a night full of treats for both kids and adults in Beckley. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean that...

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It's an exciting time when your child heads off to college. Whether they're attending school in West Virginia or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Wickline Insurance wants you to get the most out of your travels. General travel...

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Whether you're planning a trip to a local attraction in West Virginia this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not to mention your day-to-...

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Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in West Virginia, you may own much...

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When purchasing a trailer in West Virginia or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the...

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