If you have opened your renewal and thought, “Why is my insurance going up? I have never filed a claim,” you are not alone. This is one of the most common and frustrating questions we hear from good drivers and responsible homeowners. It feels personal, even when it is not. The reality is that many insurance rate increases have very little to do with individual behavior and a lot to do with what is happening across the entire insurance industry. Understanding why rates are ri

🎁 Day 1: Candle Safety Candles make everything feel warm and nostalgic until one accidentally lights your garland on fire. Tip:  Keep candles at least 12 inches away from anything flammable and never leave them unattended. ❄️ Day 2: Frozen Pipes Brrr! December loves a good freeze. Tip:  Keep your home at 55 degrees or warmer when you're away. Trust us, thawing pipes is not  on anyone’s holiday wish list. 🎄 Day 3: Holiday Light Check Before you hang those lights, check the

Ever wonder why your friend in another town pays less for the same insurance? Learn how your location impacts your auto and home insurance rates, what factors insurers consider, and how a local agent can help you save. 🏡🚗 Why Where You Live Affects Your Auto and Home Insurance Rates Have you ever compared insurance rates with a friend or family member in another town and wondered why their premium is lower, even though you drive a similar car or own a similar home? It might