Our Blog Posts

How a dog's breed impacts pet insurance costs

Health insurance for dogs? Pretty much!

• by Nicholas Springer
• 11/10/23
• 109
• source: https://www.propertycasualty360.com/2023/11/10/how-a-dogs-breed-impacts-pet-insurance-costs

Total Loss Vehicles

When your car is totaled, you have two choices. It may not make sense to keep it.

• by Peggy Claytor
• 10/12/23
• 231
• source: https://www.dmv.virginia.gov/vehicles/title/sal-veh-law-req/declar-nonrepair

Changes in Virginia Law Regarding Improving UM/UIM Coverage

New laws to help in case of underinsured drivers

• by Peggy Claytor
• 10/02/23
• 249
• source: https://www.blankingshipandkeith.com/news-insights/changes-in-virginia-law-regarding-improving-um-uim-coverage

Damaging Winds Basics

Straight line winds can happen with little warning.

• by Peggy Claytor
• 09/22/23
• 234
• source: https://www.nssl.noaa.gov/education/svrwx101/wind/

Types of Fire Extinguishers

It's such an inexpensive way to protect your home or office.

• by Nicholas Springer
• 09/22/23
• 338
• source: https://www.travelers.com/resources/home/fire-safety/types-of-fire-extinguishers

Isabel at 20

When the storm came, we were there in it and after it!

• by Nicholas Springer
• 09/18/23
• 803

The 16 Disasters Generally Covered by Homeowners Policies

Perils insured against vary from policy to policy - here are some common perils.

• by Nicholas Springer
• 09/19/23
• 199
• source: https://www.propertycasualty360.com/2023/09/15/a-crash-course-in-homeowners-insurance/?kw=A%20crash%20course%20in%20homeowners%20insurance&oly_enc_id=9341B1892712C7S&utm_campaign=newsroomupdate&utm_content=20230915&utm_medium=enl&utm_s

Levels of homeowners coverage

There is a big difference in what you are able to do after a loss

• by Nicholas Springer
• 09/15/23
• 227
• source: https://www.propertycasualty360.com/2023/09/15/a-crash-course-in-homeowners-insurance/?kw=A%20crash%20course%20in%20homeowners%20insurance&oly_enc_id=9341B1892712C7S&utm_campaign=newsroomupdate&utm_content=20230915&utm_medium=enl&utm_s

Back to School!

Back to school is an exciting time!

• by Josh Theobald
• 08/07/23
• 649

The Dreaded Call

You get a real human agent for the same price as the DOT COMs!

• by Peggy Claytor
• 07/11/23
• 710

Safety Tips for the Rainy Season

Take Precautions when Conditions are Not Ideal

• by Peggy Claytor
• 07/17/23
• 509
• source: https://www.elcaminohealth.org/stay-healthy/blog/safety-tips-rainy-season

Leave Fireworks to the Experts

• by Peggy Claytor
• 07/01/23
• 349
• source: https://www.nsc.org/community-safety/safety-topics/seasonal-safety/summer-safety/fireworks

The Most Important Insurance Policies to get?

Think differently about insurance

• by Chris Leitch
• 06/27/23
• 728

Commercial Umbrella Insurance

Ever do contracting work on a Million Dollar house?

• by Peggy Claytor
• 06/20/23
• 306
• source: https://www.auto-owners.com/ao-blog/-/blogs/commercial-umbrella-insurance-an-in-depth-overview

Lightning Safety Awareness Week (June 18-24)

• by Peggy Claytor
• 06/20/23
• 407
• source: https://www.insurancejournal.com/news/national/2023/06/19/725982.htm

Remembering Fathers

Call your dad, he misses you

• by Peggy Claytor
• 06/17/23
• 284

Summer means TIME TO GET YOUR GRILLING ON!

Be prepared for those fun days

• by Peggy Claytor
• 06/11/23
• 563
• source: https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Grilling

Why Is Being Local Important?

Being local means a lot!

• by Josh Theobald
• 06/14/23
• 655

Being Part of a Community

Knowing our community helps us insure it properly

• by Peggy Claytor
• 06/03/23
• 791

Lansing, Life and health

Keep Learning to be the Best

• by Nicholas Springer
• 05/24/23
• 353

From Landscaping to Insurance

My goal is to establish long-term relationships with my clients

• by Josh Theobald
• 05/12/23
• 726

The Learning Matrix

Don't be so hard on yourself when you are learning!

• by Chris Leitch
• 05/10/23
• 488

Back to Texas!

Welcome to College Station

• by Nicholas Springer
• 05/08/23
• 774

Insured Losses from Mississippi Tornado Nearing $100 Million

Watch out for Confused Skies above

• by Peggy Claytor
• 04/23/23
• 256
• source: https://www.insurancejournal.com/news/southeast/2023/04/20/717348.htm

What is gap insurance?

If your car is Brand New, you should consider this

• by Peggy Claytor
• 04/25/23
• 362
• source: https://www.auto-owners.com/ao-blog/-/blogs/what-is-gap-insurance-and-how-it-can-save-you-big

141 years of Experience

Life would be a whole lot easier if we could learn from other people's mistakes!

• by Chris Leitch
• 04/19/23
• 473

Reasons Why You Should Consider Buying A Dash Cam

• by Peggy Claytor
• 04/19/23
• 281
• source: https://securitybros.com/8-strong-reasons-why-should-you-consider-buying-a-dash-cam/

Food Truck Insurance

• by Peggy Claytor
• 04/17/23
• 313
• source: https://foodtruckr.com/food-truck-insurance/insurance-types-food-truck-owners-need/#:~:text=A%20food%20truck%20insurance%20policy%20protects%20you%20from,illness%2C%20which%20is%20particularly%20important%20when%20serving%20food.

Do You Need a Commercial Auto Insurance Policy to Deliver Food?

• by Peggy Claytor
• 03/13/23
• 377
• source: https://www.forbes.com/advisor/car-insurance/delivery-drivers/#:~:text=You%20may%20need%20a%20commercial,and%20charge%20higher%20rates%20accordingly.

What is a Deductible

• by Nicholas Springer
• 03/06/23
• 511
• source: https://www.irmi.com/term/insurance-definitions/deductible

Should You Review Your Life Insurance?

• by Peggy Claytor
• 02/12/23
• 326

Umbrellas For A Rainy Day

You don't have to be a millionaire to be sued like one.

• by Nicholas Springer
• 02/24/23
• 576

Are you covered for an auto theft claim?

• by Nicholas Springer
• 02/08/23
• 462
• source: https://www.nationwide.com/personal/insurance/claims/auto/pages/stolen-car

When to Change Your Car Battery

• by Peggy Claytor
• 02/20/23
• 603
• source: https://blog.nationwide.com/vehicle/vehicle-maintenance/when-to-change-a-car-battery/

What to do if your vehicle is stolen

• by Nicholas Springer
• 02/07/23
• 472
• source: https://www.nationwide.com/personal/insurance/claims/auto/pages/stolen-car

Earthquake Coverage

It is not common, but still a risk

• by Nicholas Springer
• 02/06/23
• 587

How to Drive in the Rain

• by Peggy Claytor
• 02/13/23
• 421
• source: https://blog.nationwide.com/vehicle/tips-for-driving-in-the-rain/

How to Prevent Car theft

• by Peggy Claytor
• 01/30/23
• 501
• source: https://blog.nationwide.com/vehicle/vehicle-safety/think-smart-prevent-car-theft/

Own a home? Here are two policy options you should know about

• by Nicholas Springer
• 02/01/23
• 631
• source: https://www.safeco.com/blog/two-home-policy-options

Signs of a Bad Alternator or Battery

• by Nicholas Springer
• 01/15/23
• 794
• source: https://blog.nationwide.com/vehicle/vehicle-maintenance/dead-car-battery-or-alternator/

Why Consider Life Insurance for a child?

• by Peggy Claytor
• 01/23/23
• 433

Manufactured home buying checklist

• by Nicholas Springer
• 01/02/23
• 646
• source: https://www.foremost.com/learning-center/home-buyers-checklist.asp

Do I have to add a youthful driver to my auto policy

• by Peggy Claytor
• 01/16/23
• 456
• source: https://www.nationwide.com/lc/resources/auto-insurance/articles/adding-a-driver-to-car-insurance

Is it Time for a Roof Replacement

• by Nicholas Springer
• 01/05/23
• 634
• source: https://www.foremost.com/learning-center/how-long-does-a-roof-last.asp

Farm Liability Insurance Coverage

• by Peggy Claytor
• 11/28/22
• 590
• source: https://www.amfam.com/resources/articles/on-the-farm/what-is-farm-liability-insurance

Tips to manage holiday stress

Ho HO ohhhh

• by Peggy Claytor
• 12/06/22
• 629
• source: https://www.universityhealthsystem.com/blog/tips-to-manage-holiday-stress-and-beat-those-holiday-blues

Health and Safety Tips for Your New Year's Eve Celebration

Ground rules keep it safe

• by Peggy Claytor
• 12/30/22
• 515
• source: https://www.scurichinsurance.com/health-and-safety-tips-for-your-new-years-eve-celebration/

What to Know About an Unlikely Vector for Cyber Threats: Household Pets

Don't let your dog's collar get you hacked

• by Peggy Claytor
• 01/17/23
• 612
• source: https://www.insurancejournal.com/news/2022/12/07/697968.htm

Enjoy a Safe Holiday Season

Holiday Magic, not Tragic!

• by Peggy Claytor
• 12/12/22
• 682
• source: https://www.nsc.org/community-safety/safety-topics/seasonal-safety/winter-safety/holiday

Ways to Winterize Your Home

Take a few steps to prevent disaster

• by Peggy Claytor
• 12/02/22
• 721
• source: https://www.lowes.com/n/how-to/winter-preparedness-checklist

DRUG PRICING - What do you prefer? A dollar amount? Or, a percentage?

• by Lisa Mims
• 11/14/22
• 619

How does TRICARE for Life work with Medicare?

• by Lisa Mims
• 11/22/22
• 820
• source: https://mailchi.mp/medicarerights.org/extra-help-spap-293554?e=0fe31dbd55

Pay out on total loss vehicle

• by Peggy Claytor
• 11/08/22
• 733
• source: https://www.auto-owners.com/ao-blog/-/blogs/totaled-car-here-s-what-you-need-to-know-and-what-happens-next#Why_is_my_vehicle_worth_less

Medicare Annual Enrollment ... Do you know how the new changes will affect you?

• by Lisa Mims
• 10/26/22
• 917

Do you know your homeowner coverage protects more than just your home?

• by Peggy Claytor
• 10/04/22
• 909
• source: https://www.liveinsurancenews.com/home-insurance-policy-study/8554372/

Risks of all-electric vehicles

These cars are still too new...

• by Peggy Claytor
• 10/03/22
• 727
• source: https://insurancenewsnet.com/innarticle/insurance-industry-examines-coverage-risks-of-all-electric-vehicles

Does your Homeowner Policy cover your Home-Based Business?

When in doubt, talk you your agent!

• by Peggy Claytor
• 09/28/22
• 795

6 Tips for choosing Medicare drug coverage

• by Lisa Mims
• 09/27/22
• 685
• source: https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage/6-tips-for-choosing-medicare-drug-coverage

6 Tailgating Safety Tips for Your Pre-Game Fun

• by Nicholas Springer
• 09/26/22
• 1024
• source: https://blog.nationwide.com/tailgate-safety-topics/

SEPTEMBER IS LIFE INSURANCE AWARENESS MONTH!

A little planning can put your mind at ease

• by Peggy Claytor
• 09/16/22
• 725

Glass Repair

Get it fixed now and it can save you hundreds!

• by Nicholas Springer
• 09/20/22
• 864

WHAT ARE THE BENEFITS OF NOT TURNING IN AN INSURANCE CLAIM?

• by Peggy Claytor
• 09/08/22
• 701
• source: https://hurleybrokers.com/resources/blog/handle-insurance-claim-yourself/

WHEN DOES YOUR PERSONAL CAR BECOME A COMMERCIAL VEHICLE?

• by Peggy Claytor
• 09/10/22
• 720
• source: https://www.biermaier-financial.com/resource-center/insurance/when-does-your-personal-car-become-a-commercial-vehicle

OCTOBER 15th IS RIGHT AROUND THE CORNER. ARE YOU READY FOR MEDICARE ANNUAL ENROLLMENT?

• by Lisa Mims
• 09/14/22
• 759

Drones: Certificated Remote Pilots including Commercial Operators

• by Peggy Claytor
• 09/03/22
• 894
• source: https://www.faa.gov/uas/commercial_operators

Rules for Flying Drones Commercially

Dont forget your license - and Insurance!

• by Peggy Claytor
• 09/02/22
• 766
• source: https://dronesgator.com/us-drone-laws/

Own a Drone? Do you know the rules?

Owning a Drone comes with responsibility

• by Peggy Claytor
• 09/01/22
• 724
• source: https://dronesgator.com/us-drone-laws/

Boats and ... Umbrellas?

Boat insurance is for them AND YOU

• by Nicholas Springer
• 08/09/22
• 1030

What Is the Difference Between Bodily Injury and Medical Payments?

• by Peggy Claytor
• 08/09/22
• 901
• source: https://policyscout.com/auto-insurance/learn/med-pay-vs-bodily-injury-coverage

How Do Those Car Insurance Tracking Devices Work?

• by Peggy Claytor
• 08/05/22
• 895
• source: https://www.usnews.com/insurance/auto/how-do-those-car-insurance-tracking-devices-work

What should be the main deciding factors for homeowners in an insurance policy

• by Priscilla Thomas
• 07/08/22
• 864
• source: https://insurancenoon.com/what-should-be-the-main-deciding-factors-for-homeowners-in-an-insurance-policy/

Original Medicare Enrollment Part 7 - How Medicare enrollment works with Railroad Retirement benefits

• by Lisa Mims
• 07/12/22
• 1223
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-medicare-enrollment-works-with-railroad-retirement-benefits

Original Medicare Enrollment Part 6 - Medicare Part B late enrollment penalties

• by Lisa Mims
• 07/05/22
• 1278
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/medicare-part-b-late-enrollment-penalties

Original Medicare Enrollment Part 5 - How to enroll in Medicare if you have ALS

• by Lisa Mims
• 06/28/22
• 1095
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-to-enroll-in-medicare-if-you-have-als

Travel Insurance

be aware that when planning whether or not to purchase travel insurance

• by Peggy Claytor
• 06/24/22
• 1187
• source: https://www.nationwide.com/lc/resources/home/articles/travel-insurance-tips

Total Loss vehicles

There is a good reason why car insurance companies are cautious about fixing badly damaged cars

• by Peggy Claytor
• 06/10/22
• 941
• source: https://www.insure.com/car-insurance/totaled-cars.html

Original Medicare Enrollment Part 4 - How to enroll in Medicare if you are under 65 and have a disability

• by Lisa Mims
• 06/14/22
• 1119
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-to-enroll-in-medicare-if-you-are-under-65-and-have-a-disability

Original Medicare Enrollment Part 3 - How to enroll in Medicare if you missed your Initial Enrollment Period

• by Lisa Mims
• 06/07/22
• 1104
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-to-enroll-in-medicare-if-you-missed-your-initial-enrollment-period

Preparing for Motorcycle Safety Awareness Month

• by Peggy Claytor
• 05/24/22
• 1122
• source: https://agentblog.nationwide.com/personal-lines-insights/risk-prevention/preparing-for-motorcycle-safety-awareness-month/

What is a Protection Class Code?

• by Peggy Claytor
• 05/05/22
• 1884
• source: https://www.irmi.com/term/insurance-definitions/protection-classes

April is Child Abuse Prevention Month

• by Peggy Claytor
• 04/21/22
• 1073
• source: https://preventchildabuse.org/latest-activity/april-is-child-abuse-prevention-month/

Building a Hurricane Emergency Kit

• by Peggy Claytor
• 05/06/22
• 1238
• source: https://www.nbcnewyork.com/weather/weather-stories/hurricane-season-2022-the-forecast-the-names-and-how-to-get-ready/3669391/

Original Medicare Enrollment Part 2 - How to enroll in Medicare if you are turning 65 without Social Security or Railroad Retirement benefits

• by Lisa Mims
• 04/08/22
• 1433
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-to-enroll-in-medicare-if-you-are-turning-65-without-social-security-or-railroad-retirement-benefits

It's Worth Spending a Little Time

• by Chris Leitch
• 05/03/22
• 1350

What to Do After a Car Accident

• by Priscilla Thomas
• 04/25/22
• 1437
• source: https://blog.nationwide.com/what-to-do-after-car-accident/

Commercial Trucking Insurance: Basic Facts for Independent Truckers

Priscilla is a true expert in trucking

• by Priscilla Thomas
• 04/29/22
• 1287
• source: https://www.smart-trucking.com/commercial-trucking-insurance/

Original Medicare Enrollment Part 1 - How to enroll in Medicare if you are turning 65

• by Lisa Mims
• 04/01/22
• 1355
• source: https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-enrollment/how-to-enroll-in-medicare-if-you-are-turning-65

Have You Had Your Rate Review Yet

Medicare is super-complex!!

• by Lisa Mims
• 04/07/22
• 1241

Boat and Water Safety Tips

• by Peggy Claytor
• 04/05/22
• 1237
• source: https://www.outdoors.com/water-safety-tips/

Farm Use Tags

Make sure your tags are truly Farm Use

• by Peggy Claytor
• 04/05/22
• 1217
• source: https://www.dmv.virginia.gov/webdoc/pdf/dmv28.pdf

DMV SR-22 filing

Do not get Caught without insurance!

• by Peggy Claytor
• 03/31/22
• 994
• source: https://www.dmv.virginia.gov/vehicles/#insurance.asp

Job-based drug coverage and Part D - Job-based insurance and Medicare Part 5

• by Lisa Mims
• 04/26/22
• 1164
• source: https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/job-based-drug-coverage-and-part-d

Enrolling in Medicare with job-based insurance - Job-based insurance and Medicare - Part 4

• by Lisa Mims
• 04/19/22
• 1166
• source: https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/enrolling-in-medicare-with-job-based-insurance

Job-based insurance when you turn 65 - Job-based insurance and Medicare Part 3

• by Lisa Mims
• 04/12/22
• 1093
• source: https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-turn-65

Job-based insurance when you are disabled - Job-based insurance and Medicare Part 2

• by Lisa Mims
• 04/05/22
• 1485
• source: https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-are-disabled

Health Savings Accounts (HSAs) and Medicare - Job-based insurance and Medicare Part 1

• by Lisa Mims
• 03/29/22
• 1177
• source: https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/health-savings-accounts-hsas-and-medicare

All Businesses Should Carry Work Comp

Don't risk your company or your employees!

• by Nicholas Springer
• 04/07/22
• 1166

Let's Talk Farm!

Farming in Virginia today is very different than the farming the state was founded on

• by Hannah Reames
• 03/25/22
• 1243

MEDICARE SUPPLEMENT ?? LOWER PREMIUM?? DIFFERENT ADVANTAGE PLAN?? WHAT??

• by Lisa Mims
• 03/22/22
• 1389

New Car, Take Care

Do not rely on the dealership! call us!

• by Nicholas Springer
• 03/18/22
• 1248

Location, Location, Locations!

Being local is knowing what insurance needs to cover in that area

• by Nicholas Springer
• 03/23/22
• 1266

Til 7pm!

This agency has put in the hours, right from the start!

• by Nicholas Springer
• 03/16/22
• 1335

Do You Have Full Coverage?

What may be a commonly used term can put you in peril

• by Nicholas Springer
• 09/30/20
• 1752

Add Full Coverage to Older cars??

Rethink what you thought about your cars worth!

• by Nicholas Springer
• 03/03/22
• 1159

Medicare Letters are going out!

• by Nicholas Springer
• 02/22/22
• 944

How much life insurance Do I need?

• by Chris Leitch
• 02/18/22
• 1422

New Increased Limits

Minimum Liability in Virginia went from 25/50 up to 30/60... this will help a lot of people... but at a price!

• by Nicholas Springer
• 01/03/22
• 1608

Frequently Asked Questions About Caregiving

• by Lisa Mims
• 12/20/21
• 1406

MEDICARE ANNUAL ENROLLMENT ENDS TUES, DEC 7, 2021

• by Lisa Mims
• 12/01/21
• 1191

We Are Officially Experts!?

We treat each person with the same respect and kindness and it shows!

• by Nicholas Springer
• 12/01/21
• 1230

6 Advantages of Manufactured Homes

Mobile homes are a great choice for your dream home!

• by Nicholas Springer
• 10/01/21
• 1230
• source: https://www.amig.com/advantages-of-manufactured-homes/

It's time to Winterize your boat!

Adding a routing each year to make sure the boat is still there next year!

• by Nicholas Springer
• 09/28/21
• 1222

NO Coverage for GIG Driving

As soon as your vehicle makes you money, you need to adjust your insurance

• by Nicholas Springer
• 09/08/21
• 1809

Black and White and Smiles all Over

Long term agents are family!

• by Nicholas Springer
• 07/29/21
• 1522

SpringerEmail.com

Choose carefully and Think ahead!

• by Nicholas Springer
• 05/26/21
• 1511

739-9500 Why 9500?

History behind the number!

• by Nicholas Springer
• 11/02/20
• 1960

You live in a Flood Zone!

Floods happen everywhere

• by Nicholas Springer
• 10/02/20
• 1846

Remote car starter safety tips

Remote star can really make a difference

• by Nicholas Springer
• 09/21/20
• 1966
• source: https://www.progressive.com/lifelanes/on-the-road/auto-remote-starter-safety/

It's back-to-school time, is your house ready?

Organization is good for you and your kids!

• by Nicholas Springer
• 09/22/20
• 1640
• source: https://www.safeco.com/blog/back-to-school-ready

5 DIY Roof Maintenance Tips

Knowing how to properly maintain your home can go a long way!

• by Nicholas Springer
• 09/23/20
• 1919
• source: https://blog.nationwide.com/roof-maintenance-tips/