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A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. READ MORE >>

Three independent conversations today began with perspective clients informing me that the primary reason they had not considered purchasing life insurance previously was because they believe it to be too expensive. Today was not an uncommon day, and these were not atypical comments relative to those I hear on a regular basis. READ MORE >>

Whether spring rain or winter ice and snow melting, there is always a risk of flooding, no matter the time of year. And while you may already be aware of the risk that flooding poses to your home and vehicle, you may not have considered another side effect of flooding: sewer back-up.  READ MORE >>

A small leak is all it takes. Within a short amount of time, the insulation in a roof can develop mold. The interior of the roof may have structural deficiencies as a result. When a situation like this occurs, it becomes essential to find a solution. Home insurance may not cover this type of damage. READ MORE >>

One of the fastest growing small business sectors is the independent grocer. Gone are the days when only the large retailers could capture a customer base. Today’s consumer is after not just affordable products, but also specialization. Small town grocers offer this. However, these are high-risk businesses. READ MORE >>

Whiplash is a painful, debilitating condition that occurs as a result of rapid back and forth movement of the head. A rear-ending car crash is a common instance in which whiplash occurs. If it happens to you, you may begin to feel pain a day or so after. What should you do if you develop this condition? READ MORE >>

A smart home is one that provides information and communicates with you no matter where you are. These are growing in popularity today. A wide range of versions are available. Each one seems to do something unique. If you are thinking about the investment in a smart home system of any type, it helps to know what the benefits are. READ MORE >>

Ring® is one of the more well-known doorbell cameras. This device aims to provide you with a video feed outside your front door. Some provide real-time video. Others offer photos whenever someone presses your doorbell. What should you know if you plan to buy one? READ MORE >>

If you own a vehicle, you should have auto insurance on it. This is true even if you have a suspended license. In all situations, if you do not have an active license, you should not drive. That does not mean you have to sell your cars, though. Instead, you need to maintain proper insurance coverage from the right agency. READ MORE >>

Life insurance is far from a one-size-fits-all solution, yet many individuals view it as they do the purchase of a new pair of gym socks. A recent conversation with a close friend left me with an uneasy feeling in regards to a belief held by many that their employer-sponsored life insurance is bo... READ MORE >>

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Raving Fans

Thank you so much for all the time and careful explanation you shared this morning --- You are SO knowledgeable and well spoken!

I have alerted State Farm that I have found a superior company/policy. So, let's proceed with our plan to begin coverage on Monday, July 22!

Many, many thanks again, Julie!

Cynthia Pierce

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