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Tuesday, April 28, 2020

All About Home Warranties

By Catherine Powell

Image courtesy picpedia
Now that I’ve found myself working from home for the past few weeks, I have to admit I’m spending more time watching TV than usual.  While I try to tune out most commercials, one that caught my attention was for a home warranty company.  The ad makes the case that if you own your home, the last thing you want to do is wind up plunking down a big chunk of change when any of your major appliances go on the fritz.  When you consider the cost of washers, dryers, water heaters and dishwashers cost hundreds of dollars, refrigerators and ovens can cost $1,000 or more, and central air conditioning systems cost multiple thousands to replace, then insuring them might be a good idea.  Especially since your homeowner’s policy doesn’t cover these items for normal wear and tear.  So, I thought I’d look into the matter and provide my loyal readers with some food for thought.

Thursday, April 23, 2020

Are Electric Vehicles Worth Getting Charged Up About?

By Catherine Powell

Image courtesy flickr

I know you thought this blog was going to be all about electric vehicles, but since I don’t own one, I thought I’d start off by telling you all about my electric lawn mower.  Having owned a number of gas-powered lawn mowers over the years, I thought I’d try a battery-powered electric mower last year when my old Toro push mower gave up the ghost.  A friend of mine had bought one and he waxed poetic about how quiet and maintenance-free his electric mower was.  No gas to store in the garage, and no trips to the small engine repairman every year or so to have the spark plugs and air filter changed. What’s not to like?  While the unit he had cost about $100 more than a comparable gas mower, the savings in fuel and maintenance seemed to me like a no-brainer.  It was certainly going to cost less than paying the kid next door $40 bucks to mow my lawn every week or so.  So, I plunked down a little less than $300 and bit the bullet. 

Wednesday, April 15, 2020

How Does Your Roof Rate?

By Catherine Powell

Image courtesy pikrepo
A roof is one of those things that most people take for granted until water starts dripping through their ceiling or a water stain appears like magic after a sudden storm.  Being out of sight and out of mind, hardly anybody ever thinks twice about their roof until it starts to leak.  And that’s a shame, since the roof over your head does a lot more than keep the rain off.  It literally protects you, your family, your furnishings and all your expensive electronics from wind, rain and the ravages of the sun.  It also keeps the wooden bones of your home from rotting.  If properly maintained, a roof should last between 20-30 years on average. 

Thursday, April 9, 2020

How Does the Coronavirus Affect Your Insurance Coverage?

By Catherine Powell

Image courtesy pixabay
If you’re like most Americans right now, the COVID-19 pandemic has left you for the most part sequestered to your home.  With many businesses, most stores and nearly all public places closed, there isn’t much for you to do.  Add to that the fact that many Americans have either been forced to work from home or have been temporarily laid off and it means most of us are spending the better part of the day cooped up with the family.  Many of my insurance customers have been wondering how the shelter-at- home policy is going to affect their insurance coverage, while others are wondering what will happen if they suddenly find themselves unable to pay their premiums.  To help you keep from adding any more anxiety to your already overtaxed psyche, I decided to dedicate this week’s blog to letting you know what I’ve discovered regarding the current insurance situation.

10 Ways to Lower Your Cyber Insurance Cost

By Catherine Powell Image courtesy Pxhere Computer hacking has gotten so costly to businesses that most insurers have not only been forced t...