We all have our "Honey Do" lists and are working on our gardens and planning our landscapes. But did you know that landscaping can improve or hurt your property values which affect your insurance premiums? That's right!
Here's some tips on how to protect your home's value.
Consider adding mature trees to your property. According to the USDA Forest Service, healthy, mature trees add an average of 10% to a property's value. Mature trees need lots of room due to their root structure so don't plan them close to your home, driveways or patios.
Don't let vines grow up your home. They can damage bricks or paint. So, consider your growing ivy as a threat to your home's structure.
Think about adding prickly bushes which can deter burglars. Put them in front of windows, especially in the front of your home.
Have a landscaping plan that includes lots of native plants and trees. Pick varieties that are grown locally. They provide food and homes for butterflies, bees, birds, and other wildlife. They also don't require as much maintenance since the plants adapt to the water source in your area.
Finally, still feel lost, consult a landscaping expert to provide you with the information you need to create a garden that increases the value of your home.
On behalf of all of us at the agency, we wish you a wonderful Mother's Day filled with love and new memories.
Don't forget! Support your local small businesses as we wrap up Small Business Week. Help our community thrive by shopping local. In addition, post a message on your Facebook page to keep our neighborhoods vibrant and alive.
Ah, that Rottweiler puppy is so cute, you adopted a Doberman, your family gave you a pit bull, what do they all have in common - they are three of the top breeds blacklisted by insurance companies. In some states insurance has been denied to households with certain breeds. Why? Because, according to Allstate Insurance, the average claim was close to $30,000. And in Washington, the state's Supreme Court jury awarded $2.2 million to a woman who was attacked by pit bulls.
So, before, buying, adopting, or inheriting a dog, check with us and we can work with you to present your options and what you might do to safeguard your home and visitors from your pets.
Warmer weather is here, and we're looking to implement home upgrades that you have planned all winter. If you are remodeling your kitchen or bath, adding a room, replacing your roof, or upgrading your plumbing and electrical, then give us a call.
These upgrades can affect your insurance coverage as well as provide you with discounts for upgrades.
Good luck with your home remodeling, and remember we are here to help.
The National Safety Council has created "Just Drive" dedicated to bringing awareness to distracted driving. We encourage you, your children, your family, and your business associates to take the pledge to be an attentive driver. Click here to take the pledge.
With temperatures starting to change, now is the time to take a Flood Risk Profile to learn your flood risk. You might not think you are in a flood zone, but make sure. Spring thaw brings heavy rains which overflow streams, rivers, and lakes near your homes and your businesses. Just a few inches of rain can cause thousands of dollars in damages. FEMA has created a "Spring is Flood Season - Understanding and Reducing The Risk" flyer with helpful tips in preparing an emergency plan, conducting a home inventory and finally purchasing flood insurance. Simply click here.
Give us a call to find out how inexpensive this vital product is.
According to OSHA, about 20,000 injuries and 300 deaths happen every year due to ladder falls.
Ladder accidents are preventable but safety training needs to be conducted to make sure there is a decrease in ladder-related injuries and fatalities. Put in policies and procedures to inspect and dispose of old, damaged, or obsolete leaders. Need a training module go to www.laddersafetytraining.org.
Accounting firms are increasingly targeted for their information. Tax Season is a perfect time for phishing scams, hacking and malware since emails fly furiously during this time. Data that is placed in the accounting firm's care is the firm's responsibility. Now is the time for accountants to add cyber liability to their overall risk transfer portfolio. Call us today for a quote.
Daylight Savings Time is this Sunday. Don't forget to turn your clocks an hour ahead. Looks like we lose a precious hour of sleep.