When it comes to feeling extreme excitement and tremendous fear at the same time, nothing gets as close to it as buying a new home. This is one massive investment, and well worth taking the time to get the right protection. Don’t buy a home without homeowners insurance.

Approximately 93% of homeowners in the U.S. have some type of home insurance policy. While it is not required by the government, mortgage loans will make it mandatory. One in 20 insured homes files a claim annually, and one in 40 will make a claim for wind and hail damage.

Don’t gamble with your home insurance. We will tell you what you need to consider when you purchase insurance. Now, let’s get to it.

What is Homeowners Insurance?

When you purchase a home, bad things can happen no matter what precautions you take. If you experience damage or a loss, or if you get sued because of an injury from your property, homeowner’s insurance protects you so that you do not incur financial hardship.

It is good to buy insurance because you want to safeguard your home and your finances. A standard homeowners insurance policy will include:

• Protection for your dwelling
• Protection for belongings
• Liability coverage
• Additional cost-of-living expenses, should your home be uninhabitable from a loss

Such policies do not cover wear and tear, earthquakes, floods, and high-value electronics or jewelry. You would need to buy insurance that covers these things.

Now that you have a quick background, let’s discuss the factors you must consider.

1. Decide What You Need

Here is where to start. You must know what you want to be covered. Such as:

• Replacement cost of the home
• The total value of belongings
• The total value of your assets
• Coverage for additional structures on the property like a shed or garage

For high-risk areas, you would need to add on earthquake and flood insurance. Mark that down as a “must have” if this affects you.

2. Calculate the Amount of Coverage Needed

First, you must find the replacement cost of the home. The Insurance Information Institute says that the two biggest factors are the size of the home and if it is new construction. You will also want to include interior and exterior construction materials.

Plus, include special features like a pool or garage to help you determine the cost of replacing your dwelling. You can have your insurer help you with an estimate or you can hire a third party to help you calculate it.

Second, perform a home inventory, including a list of your possessions. Once you record your inventory, decide if you want to ensure your personal property for a replacement cost coverage, or if you would rather have its actual value.

Third, if you need to rebuild your home and make an alternative living arrangement, decide how much you will need for additional living expenses.

Next, there is liability insurance. Most homeowner insurance policies have a minimum of $100,000. The Insurance Information Institute recommends you carry $300,000 to $500,000 in liability coverage.

3. Have Personal Details and Home Information Handy

Now, it’s time for obtaining quotes.

Gathering insurance quotes can be an enormous task. You can make it easier by keeping your personal and home information close by. It will expedite the process.

For your personal information, have the following ready to go:

• Name
• Date of birth
• Marital status
• Contact information
• For information on your home, have these items ready to share:
• The address
• How long you are living there
• The type of home
• If it is your primary residence
• Is there a mortgage on the property?
• The year they built it
• Square footage
• Number of bedrooms
• Number of bathrooms
• Number of stories
• The material they made your building of (exterior wall and roof)
• Heating or cooling systems
• Type of foundation

Plus, it is good to tell a provider how far the home is located from a fire hydrant and fire station, besides any other home safety systems, when you buy insurance.

4. Compare Quotes

Many professionals highly recommend gathering three quotes at the least before deciding on the best insurance for you. Also, you want to ask for recommendations from relatives and friends. Your state insurance department can give you a provider’s complaint ratio if you call them.

Beyond the pricing, you want to compare what the policies will cover and decide on which is best for you. Check the deductibles and coverage amounts. They should be equal in all the quotes.

5. Check Discounts

You may qualify for a discount, so be sure to check that too. Here are some popular discounts:

• Multi-policy discounts
• New home buyer discounts
• Paperless discounts
• Automatic payment, electronic funds transfer, or pay-in-full
• Claims-free discount
• Loyalty discount
• Home safety discount
• Smoke-free discount
• Home improvement discount

There may be a way to reduce your costs. A new home is an enormous expense, so take advantage of potential discounts!

6. Trustworthiness

Get the most value for your money. It helps to research the insurance provider and see that they are trustworthy. The insurance company’s financial strength can help you determine if they will pay a claim when you need it, which is graded by independent agencies.

AM Best is one agency where you can find ratings. They assign insurance providers letter grades which are from A+ to F. Customer satisfaction surveys will offer helpful insight too, like the one from J.D. Power.

7. Ensure Your Details are Correct

By now, you should have identified an insurance provider that you are ready to purchase from.

Before signing off, you will want to do one last check and make sure your details are correct. Also, just look over everything again and make sure that the policy is what you want.

Determine how you will pay your premiums. It may go through the mortgage lender into an escrow account.

At last, you can choose the date for the policy. If switching to a new policy, you will want to inform your mortgage lender.

The Right Homeowners Insurance for You

Your family and your possessions are important. You want the best insurance to protect them. With Gessel & Associates, we can advise you with homeowners insurance.

We have a strong passion for insurance, and we treat our customers like family. Experience the difference. Contact us today.

We all need auto insurance but how much do you really know about it? Read on as we take a look at everything you need to know about auto insurance.

Approximately 13% or 1 in 8 drivers in the United States have no auto insurance. This serious mistake can leave them with major legal, medical, and/or repair bills to pay if an accident or other incident occurs.

Almost every state has its own set of laws about how much and which types of auto insurance drivers need to maintain. Knowing these ahead of time helps you keep your vehicle on the road and avoid penalties like fees and license suspensions.

Auto insurance costs continue to rise, but there are ways to fight back. Experienced, knowledgeable drivers get the best insurance at the most affordable price. Read our guide for all the auto insurance facts you need to know.

Getting Auto Insurance

Every vehicle on the road today, whether it’s used for commercial or personal purposes, needs to have an auto insurance policy connected to it. Each state has its own minimum required policy amounts, which you should know before making a purchase, but doesn’t offer much protection.

If you get into an accident you’ll need to show the officers that you have the required minimum policy. This is why you must provide proof of insurance when registering any motor vehicle. It must include:

• Policy Holder’s name & address
• Description of the insured vehicle
• Effective dates of coverage
• Liability limits
• Insurance Company & Agent contact information

This documents prove that you have the required amount of insurance in your state.

Types of Auto Insurance

There are a couple different types of car insurance policies, personal or commercial auto. Coverage will vary greatly depending on which type of policy is needed.

Personal vs. Commercial

An important distinction to make is the difference between personal and commercial auto insurance. They cover different  vehicle usage and are therefore rarely interchangeable.

Personal auto insurance is typically for vehicles you drive every day, whether commuting to and from work or school, or used for pleasure and running errands.

Commercial auto insurance covers vehicles used to complete business functions. This can include delivery trucks, or even vehicles with business advertising on them. If you run a business, you likely need a commercial auto insurance policy.

Your agent will be able to determine when a commercial auto policy is necessary.

Required Coverages

Most states require bodily injury liability coverage. This type of insurance is so important because of what it covers. It pays for almost all costs related to car accidents, including:

• Medical treatment
• Rehabilitation
• Funeral costs
• Lawyer’s fees
• Losses for pain and suffering

This coverage applies to injury to others as a result of an accident. There are usually minimum amounts you must purchase in each state, but obtaining higher limits is often a good move. The average bodily injury coverage is $100,000 for every person injured, with a maximum bodily injury limit of $300,000 per accident.

Property damage liability handles the costs of other people’s property, whether their vehicle, home or business. It helps cover the cost of repair and, or replacement. The average state limit for property damage is $15,000, but $35,000 is closer to the actual cost of the average new car. Your liability for damage to property adds up quickly after an accident.

Uninsured or underinsured motorist insurance covers most of the same things your bodily injury liability to others does. The difference is that it applies when you get in an accident with a driver who has no insurance, or your damages exceed their limits of coverage. Your limit of coverage should equal the amount of your bodily injury to others.

Potentially Required Coverages

PIP or personal injury protection is also known as no-fault insurance. It covers medical, rehab, and funeral costs for anyone in your household when an accident occurs. It also includes lost wages and in-home care. It is a requirement in some states, and an optional add-on in others.

States with no-fault insurance include:

• Delaware
• Florida
• Hawaii
• Kansas
• Kentucky
• Maryland
• Delaware
• Florida
• Hawaii
• Kansas
• Kentucky
• Maryland
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Oregon
• Texas
• Utah
• Washington

While some states require PIP, other states use a tort system of liability where the amount you’ll pay after an accident depends on who the court of law determines is most at fault in an accident.

Collision and comprehensive coverage are only required if you’ve bought your car with a loan. However, they are beneficial to anyone who has monetary value in their vehicle.

Collision coverage pays for the cost of repairing or replacing a vehicle after an accident. Comprehensive coverage handles other types of damage such as theft, fire, water, or natural disasters/ weather.

78% of drivers purchase comprehensive coverage, and 74% get collision coverage. This makes them the most popular non-required coverages in existence.

You can choose your deductible for both collision and comprehensive coverage depending on what is available. Deductibles range from $250 to over $1,000. The lower your deductible, the higher your premium.

Non-Required Coverages

There are types of auto insurance coverage that your state may not require, but still offer valuable protection. They include medical payments, towing and labor, rental reimbursement, and glass coverage.

Medical payments coverage covers medical costs from a car accident, including funeral and rehabilitation costs. This is a no-fault, no deductible coverage, and is often used to help offset incurred expenses after an accident.

Towing and labor coverage pays for tow trucks if your car is undrivable after a covered accident, but is also used in traditional roadside assistance scenarios (fuel, fluid, lockout etc).

Rental reimbursement provides a temporary substitute until your vehicle is repaired or replaced.

Glass coverage is another optional but valuable coverage. Full glass coverage is used for headlights and taillights, or any other glass surface on your vehicle.

What Do I Need?

The type of coverage you’ll need to include as part of your auto insurance policy depends on your unique situation. This will be addressed as part of your personal consultation with our agency.

Cost of Auto Insurance

The national average for full coverage car insurance is $1,738 per year. Several factors can drive the prices up or down, including state regulations of coverage and competition amongst auto insurance companies

One of the most expensive places to get a policy is Detroit, Michigan. Where the average premium is well north of $5,000 for the year. One of the least expensive places is Bridgewater, Maine, with an average premium of $993 per year.

Auto policy prices are determined by underwriting and rating. Auto insurance companies assess a driver’s level of risk based on factors such as location, age, gender, vehicle make and model, and driving and credit history. Actuarial Science is very exact, and is how insurance companies determine what rates to file with the state regulatory board.

There are also ways to reduce your costs. Combining your homeowners and auto insurance policies can reduce premiums by 15%. Other ways to save include:

• Reducing the number of claims you file
• Driving safely
• Purchasing a vehicle that’s affordable to insure
• Maintaining positive driving and credit records
• Record all possible information when accidents occur

One of the best ways to ensure you get the most affordable and complete policy is working with an independent agent representing multiple companies.

Finding Auto Insurance

Purchasing any type of insurance is a complex process, and this applies to auto insurance as well.

Each state has minimum requirements, and while maintaining the minimum level of coverage will keep your vehicle legal, you should consider more than the minimum. Our agency will help guide you through this process.

Gessel & Associates Insurance provides coverage for all of your auto, home, or business needs. Contact Us to get the best auto insurance policy for your needs today.

When buying your first home, it’s important to purchase home insurance, but knowing what to buy can be a challenge. Here’s how to decide…

For first time homeowners, going through the process of searching for, choosing, and closing on a house is stressful enough. But even after all of that, there’s still more work to be done.

You probably already know that you need a home insurance policy, but do you know where to start? There are so many options, and each insurance company has a different set of offerings. What kind of coverage do you need, and how much?

When buying your first home, the answers to these kinds of questions may not be readily apparent.

Fortunately, Gessel & Associates Insurance Agency can guide you to the perfect policy for your new home. Keep reading to get the lowdown on how to choose the right home insurance policy for you.

Home Insurance 101: What’s in a Standard Policy?

If you’re a complete novice when it comes to homeowners’ insurance, keep reading. We’ll give you a primer on what a typical home insurance policy should cover.

The most common home insurance policy is called HO-3 (Special Form), with more coverage being HO-5 (Comprehensive Form) and less coverage being HO-1 (Basic Form) or HO-2 (Broad Form). In short, a standard HO-3 policy will cover most natural disasters, theft, and accidents.

A standard policy includes dwelling coverage, which means damage to the physical structure of your home. If a hurricane causes a tree to fall on your roof, the insurance company will replace it. It also covers damage by accidental house fires, even if a fire is due to negligence on your part.

Dwelling coverage also extends to damage caused by others, in certain situations. If a thief breaks in through your windows, a standard policy will pay to replace them and whatever else was damaged due to their entry.

Depending on your policy, insurance may not cover damage that could have been prevented with regular maintenance. For example, if you don’t have your furnace maintained for 10 years, and then it causes harm to your property, that may not be covered.

If your home becomes unlivable due to covered damage, a typical insurance policy will pay for you to stay in a hotel.

A good rule of thumb to keep in mind is that you should purchase enough insurance to rebuild your home if, for some reason, it was razed to the ground. This is referred to as replacement cost coverage.

Besides the physical structures of your house, a standard policy also covers personal property, also known as contents coverage. If a burglar nabs some of your electronics, your insurance will pay to replace them, or reimburse you for their value. The value will be established as part of the claim process.

Finally, standard home insurance will protect you from liability if someone is injured on your property. If a guest falls down the stairs and breaks their legs, they may sue you to recoup the cost of their medical bills.

Depending on the details, the insurance company will either arrange a payout or will defend you legally. This is an especially important facet of home insurance that you should consider when choosing a policy.

Home Insurance and Personal Liability

Insurance doesn’t just pay medical bills. If someone alleges that they were injured on your property, they may sue you. Insurance will shield you from assuming personal liability in these lawsuits.

The threshold for filing a personal injury lawsuit against someone else is low. New homeowners should be aware of this when they invite guests into their home, they are taking on some risk. The laws that say what you are and aren’t responsible for can differ by state, so you should speak to your agent about that.

Homeowners can be sued for many types of injuries – a dog bite, a slip and fall on ice, or even damage to someone’s personal property, like their phone. Outside of bodily harm or injury, there are number of other ways liability can come into play, your agent can advise you of these other exposures to risk. Having the right liability insurance protects you from paying for someone else’s medical bills, or other damages.

Adding Additional Coverage Beyond a Standard Policy

You should consider additional coverage for your policy if you store a large amount of valuable items in your home, or if you collect expensive goods, such as rare coins.

To protect them from theft or damage, you can add a rider to your insurance policy for specific items, often called a policy endorsement. It’s like a mini-insurance policy backpacked onto your regular insurance that’s only for the item named within it.

There a few different types of riders, with the most common being for expensive jewelry, antiques and art, furs, or rugs. If you own any items like this, be sure to ask your insurance agent to go over your options to add a rider to your policy.

Another type of insurance policy with extra coverage is called an umbrella policy. This type of policy extends beyond paying for damages. It covers the homeowner to a greater extent with regards to lawsuits and can add extra coverage if you have additional liability at home, such as a pool or trampoline.

You should also consider whether you have any increased liability with regards to guests. Some breeds of animals and some kinds of exotic pets are not covered under normal policies. If you’re worried about your pet injuring someone in your home, you should discuss this with your agent, and possibly add extra insurance to cover that animal specifically.

Finally, consider the area in which you live. Some climates are more prone to a certain type of natural disaster, such as sinkholes or tornadoes. You may also want to consider adding extra coverage to mitigate damages by specific events that are common in your locale.

What Isn’t Covered By Home Insurance

Although home insurance can be quite customizable to fit your needs, there are limitations to what you can insure.

Standard policies won’t cover certain natural disasters such as earthquakes or floods, so if you think you may need that coverage, discuss it with your agent and consider adding a rider, as discussed above.

Insurance won’t cover standard maintenance, like having an HVAC technician come out to inspect your furnace and A/C unit. Routine upkeep and maintenance is considered the owner’s responsibility, and is done at your discretion. However, if you let routine maintenance fall by the wayside and there’s an incident as a result, your insurance may not cover that. This is because the problem was likely preventable and may have been caused by your neglect, rather than an accident.

Under this same principle, most policies won’t cover incidents like a termite infestation, rust, mold, and other issues covered under what would be considered general home upkeep or maintenance.

Finally, other large-scale disasters such as war or nuclear incidents are typically not covered under most policies.

What Does Home Insurance Cost?

Home insurance works similarly to healthcare in that you have a deductible that you must meet before the policy will kick in and pay for any further costs. This could be a stated dollar amount, such as $1000, or a percentage of your home’s total coverage, usually around 1 or 2%.

The average homeowner pays about $1000-$2000 per year for their insurance, but different levels of coverage can cost more or less than that. Price is also highly variable by state due to different regulations and risks.

For non-standard policies and riders, the costs will vary. Specific coverage such as floods may have a higher deductible, such as 10% of the total insurance amount.

Choosing Your Insurance Agency

Your home is your sanctuary, and for new homeowners, choosing the right home insurance policy is crucial. Where to buy home insurance is one of the most important decisions you’ll make as you embark on this new part of your life.

Gessel & Associates Insurance Agency knows that this process can be highly complicated. There’s no one insurance policy that ticks the boxes for everyone. We take your needs seriously and have a wide range of policies available to meet your unique needs.

Gessel & Associates is an independent agency, meaning we represent many different insurance companies. Because of this, our agents are knowledgeable about the entire insurance field, not just about one company’s policies.

Even if you’re not sure where to start, Gessel & Associates can help steer you towards the perfect policy for your home. Reach out today to schedule a consultation with Gessel & Associates today so you can protect what is most important.

Before investing in a homeowners insurance policy, you need to make sure it fits your needs. Ask these important questions before making a decision.

5.7% of homes that were insured had a claim in 2018.

Whether you’re required to purchase homeowners insurance by your mortgage lender, or you just want to buy insurance for the home you own outright, choosing a homeowners insurance policy can be overwhelming.

If you don’t get your policy right, you could end up not having enough coverage in the event that your property is damaged.

To avoid that outcome, check out this list of 11 crucial questions to ask about your homeowners insurance policy, and discuss them with your agent before signing your policy contract.

1. What Does a Standard Homeowners Policy Cover?

When shopping around for homeowners insurance, the first thing you’ll want to understand is what is covered under a standard policy. Typically, standard homeowners insurance policies will include several primary kinds of coverage, which are:

• Dwelling coverage (covers the physical structure of your home)
• Other Structures coverage (covers any structure not attached to your home)
• Personal Property coverage (covers your personal possessions inside the home)
• Loss of Use coverage (covers other living expenses that might come up if you’ve been displaced from your home)
• Liability coverage (covers the costs that are related to injury or damage you are legally responsible for)
• Medical Payments coverage (covers medical expenses related to injury on your property)

Homeowners insurance companies offer additional options when it comes to homeowners insurance policies, so you can add what you need on top of the average policy. It is important to discuss optional coverage available with your agent.

2. Do I Need Flood or Earthquake Insurance?

It’s important to know when you’re looking for homeowners insurance that flood insurance is only very rarely included in a standard homeowners insurance policy. It is almost always necessary to purchase a separate policy.

If you live in a region or area where you’re at a high flood risk, it’s a good idea to buy a flood insurance policy. It’s possible that your mortgage lender will actually require you to buy one.

Flood insurance isn’t the same thing as hazard insurance. Although the term hazard insurance does generally refer to the section of your policy that protects your home from fire, severe storms, or other natural disasters.

Earthquakes are also not typically covered under your hazard insurance coverage. That means that if you live in an area where you’re at high risk to experience earthquakes, you might want to buy a separate earthquake insurance policy. Other disasters that aren’t typically covered in a standard policy include nuclear explosion, sinkhole and mine subsidence, or volcanic eruption.

3. How Much Does Homeowners Insurance Cost?

How much your home insurance policy costs is going to depend on a number of different factors. The average amount that Americans pay annually for their premium is $1,200.

One of the factors that impacts your insurance rate will be your location. In some states, the average annual cost is much higher than in others. In Oklahoma, for example, the average is $1,885, while in Hawaii the average is only $1,135.

The cost of your home insurance will also depend on how much coverage you need.

4. How Much Insurance Do I Need?

How much insurance you need is going to depend on the type of house you are buying.

It’s important, however, that you buy the right amount of coverage. If you buy too much, you’re wasting your money. If you buy too little, then you might not have enough to cover the cost of potential damage to your home.

There are different levels of protection when it comes to insurance plans. One is actual cash value. This covers the value of your house and the belongings inside it, with depreciation for the age and condition of your house.

Replacement Cost is the next level of coverage. This means that it covers the value of your house without taking depreciation into account. This is, therefore, a more robust coverage type, since your home will be totally rebuilt like it was prior to the loss.

During the process of securing homeowners insurance, your agent will be personally and professionally responsible for advising you on how much coverage is needed for your situation.

5. How Much Liability Protection Do I Need?

If someone else gets injured on your property, it could mean that you’re on the hook for legal payments or medical bills. Personal Liability coverage will pay for your legal defense costs, and for the cost of damage or injury when you are held responsible.

Standard liability coverage is included within your homeowners policy, and it is not necessary to buy it separately. A typical limit of liability under your policy is $300,000, but you can always raise this amount for more protection.

A Personal Umbrella policy would provide additional liability coverage beyond what is available through your standard homeowners policy, and is yet another important consideration to discuss with your agent.

6. Will My Homeowners Insurance Go Up After a Claim?

This is something that will depend on the circumstance. Your premium might go up after you make a claim, but the increase might not occur immediately. Sometimes, your homeowners insurance will stay the same.

Since policies are full-year contracts, your rates stay the same for the extent of the policy. If you make a claim at the beginning of your policy’s year, then you won’t see an increase until at least your next policy year starts.

There is a lot of varied information that insurers look at when determining how much your rates should be.

It’s important to consider the fact that your rates could go up when making a claim. If a claim is small and barely exceeds your deductible, it might not be worth making a claim about it. Contacting your insurer directly to discuss a claim, or make a claim inquiry at all, can also often affect your premium whether anything is even paid out. Your agent should always be your first point of contact for a claim consultation.

7. How Can I Save on My Homeowners Insurance?

There are a number of ways you can save on your homeowners insurance policy.

One way that people do this is by minimizing risk. For example, regardless of where you live, installing a deadbolt or security system will typically lower your rates as it helps to lessen your risk of theft or break-in.

There are also often discounts available when buying insurance. One way that people commonly save money is by bundling both their auto insurance and home insurance together with the same insurance company. This also means that you only have to deal with one insurer instead of two.

Your agent will make certain you are maximizing all available discounts on your coverage.

8. What Are the Policy Limits?

Also known as the coverage limit, the policy limit refers to the total maximum amount that your insurer will shell out for a claim. For example, if your mortgaged home costs $300,000 to rebuild, your dwelling policy limit will be equal to that replacement cost. And again, replacement cost is how much it would be to rebuild your home, based on the cost of labor and materials in your area.

Other policy limits are typically determined in relation to the dwelling cost. For instance, your personal property coverage limit is frequently half of your dwelling coverage limit.

9. Will I Need a Home Inspection Before Getting Home Insurance?

Home inspections are typically done by your insurance company after your homeowners insurance purchase. This is a way for homeowners insurance companies to accurately assess the risks of your home, as well as verifying the accuracy of what has been reported on your application for coverage.

Before you have a home inspection by the insurer, you’ll want to make sure that any debris on your property that could get in the way of the inspection is removed.

If unrepaired damage or risks are found, you will typically be given a fair period of time to resolve any issues the insurer found with your home.

10. How Much of a Deductible Should I Pay?

A deductible is the amount of money that you are responsible for covering before the insurance company will pay the rest of your repair costs or claim. For example, if your deductible is $1,000, then you’ll have to pay $1,000 towards any damage before your insurer will cover the rest of your expenses (up to your coverage limit).

Your annual premiums can be lower if you set a higher deductible. This can be nice as it means you pay less money for your policy each year. However, if your home gets damaged, you’ll be responsible for shelling out more money than if you kept your deductible low and had higher premiums.

11. How Do I Pay My Premium?

Homeowners insurance premiums are often included in your mortgage payment. This is a nice way of making it so all your bills are handled in one place. In this instance, an escrow account is set up by your mortgage lender to handle your homeowners insurance premium.

Otherwise, monthly and other billing options are typically available if you are not paying your premium in full.

Homeowners Insurance Policy: Do You Have the Right Policy For Your Property?

No one ever wants to have to make a homeowners insurance claim, but sometimes the unexpected happens. As the old saying goes, it’s important to hope for the best, but always plan for the worst.

No one likes to spend an evening thinking about or dealing with their insurance. However, it’s important to assess your existing policy with a professional, and make sure that you have the coverage you need. Otherwise, you could very easily get caught without the protection you assumed you were purchasing all along.

Remember, don’t be hesitant to speak with your agent and ask them questions about your policy. While policies can read like a foreign language, it’s important that you understand the basics of your coverage, and work with an expert agent. This can make it so you sleep easier, knowing that you’re covered if something unexpected and unfortunate were to occur.

Is it time for you to review your homeowners insurance? Schedule a consultation with Gessel & Associates today!

Yesterday evening I saw two motorcycles stopped alongside the road. My first thought was that the riders must be cold, and my next was how unusual it was to see them out so early in the year. Being out early means that ordinary folks like you and I are not on the lookout for them as we should be. It takes a period of acclimation to train our eyes to spot a motorcycle on the road. Doing so can make that split second of a difference that could save a life. Continue reading →