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According to the Centers for Disease Control, more than 350,000 U.S. families are affected by house fires each year. From damage to the contents of your home, to completely writing off your residence, to the unimaginable injury or loss of pets or family members, the cost of a house fire can be significant—from both a monetary and emotional perspective. That’s why fire prevention should be a serious priority for your family. However, fire prevention experts say that many of us don’t take the following two simple steps that can prevent damage or loss of our personal property, pets, and loved ones due to a fire.
The recent outbreak of tornadoes in the southern states is a solemn reminder of the danger of severe weather, especially during the spring months. For those of us living in southern Michigan, Ohio, and Indiana our own warmer weather conditions, while pleasant, also increases our chances of experiencing unpredictable and dangerous weather including thunderstorms, tornadoes, hailstorms, and high winds, which can damage property and potentially cause injuries.
What if you’ve decided to start your own business but aren’t sure exactly what you need to do to stay protected in the event of a personal crisis? How important is obtaining business disability insurance in your planning? Very! Kemner-Iott Agency is here to tell you why.
Benefits of Disability Insurance
February is Black History Month here in the United States, and as such, we at Kemner Iott Benz would like to take a moment to honor some of our nation’s greatest black leaders. From Fredrick Douglas to Dr. Martin Luther King to Colin Powell, our most treasured black voices have not only inspired us to achieve our own personal best, but they’ve taught us valuable lessons on how to succeed as well. Here are some of the greatest tips on how we can all be our best from honored black American leaders throughout the years.
Do you ever wish people were more kind, or that your workplace was a little kinder? Many of us do, including a coalition of nations that founded the World Kindness Movement (WKM) in 1997. WKM is all about making “our world a little kinder, one day at a time.” Many countries observe this day, including Canada, Japan, Australia, Nigeria, and United Arab Emirates.
Halloween is over, but many of us still have pumpkins on our porches or inside our homes. Don’t toss them, use them! We’ve discovered some very creative ideas for your left-over Halloween pumpkins.
1. Dine on Pumpkin Delicacies
Now is the time to make sure your coverage is still adequate in light of decreasing home values and rising replacement costs for housing.
Often, homeowners are not aware that the amount of insurance coverage they need is actually greater than the initial amount of their mortgage—or their current property value. The insurance you buy for your home should be directly related to the cost of rebuilding it. This relationship, called insurance to value, or ITV, is especially important now since home values in general have decreased, while the cost of replacing, rebuilding, or demolishing existing properties have risen.
Most home-repair contractors provide quality work – with a guarantee – and are honest in their business approach. However, it is important to be aware of any individual or business that may be engaging in contractor fraud. These contractors usually show up after a major weather event, such as a hail storm, has gone through your neighborhood. Here are some ways to avoid problems associated with this type of scam:
Insurance agents and Taxicab drivers are similar in the way that they need to licensed. Taxicab drivers need to be licensed to drive the taxicab, and Insurance agents to be licensed to sell insurance. The best taxicab drivers are well versed in the region they cover, knowing where each landmark is and can efficiently get their customer from point A to point B in a timely manner. As not all taxicab drivers are alike, neither are insurance agents. Some agents provided greater value than others. As an Independent Insurance Agency, we pride ourselves on building a relationship with our customers and having the understanding of insurance to be able to explain each coverage to our customers.
Adding 10 minutes to your day, could add over one and a half workweeks to your year, to do with as you wish! If you push it to 20 minutes, you could add more time to your year than most people get each year for vacation.
So, when you “spring forward” this Sunday, set your alarm 10 minutes earlier and enjoy even more daylight!