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Insurance Can Ease Concerns of Life in Modern World

It has occasionally been said that only those with nothing to lose can afford not to have insurance.  That, unfortunately, is very true in today's world.  The bigger truth is that everyone has something to lose:  Health, property, money, security and peace of mind are all components of life that you must safeguard. Different policies can protect each of these, and also provide for your loved ones, in case of emergency. The best way to prepare for a secure future and protect your lifestyle is to understand the basics of insurance and the necessity of effective planning.  Tom Agers has been helping clients since he founded the agency that bears his name in 1990.  He views his clients as friends and is available to personally assist with all varieties of personal and business insurance coverage.  The mission of Agers Insurance Services is to offer a full range of services through ... Read more

Is There A Time You Don’t Need Four/All Wheel Drive?

Today, one of the big selling points for many cars and trucks is the fact that they have four-wheel drive or all wheel drive. While this sounds great, many people wonder if they really need to have this capability in their vehicles. Although its nice to have, most people feel that if you're not out in the woods, playing in the sand or in the snow, 4WD/AWD is simply a waste of money. However, this actually isn't the case at all. Granted, part-time four-wheel drive is only good if activated and usually isn't necessary unless you are in a situation where 4WD will enable you to get out, or make progress to where you're going. However, full-time 4WD/AWD not only gives you additional control over your vehicle in inclement conditions, it also gives you additional control during dry conditions and in the rain. Sometimes, you need all the advantages you can get. For ... Read more

Enjoy a Safe and Happy Thanksgiving this Year

The holidays are a time of fun and connection, but it is important that proper safety measures be taken so that no unpleasant surprises pop up. Aside from taking general safety precautions, there are a few that are specific to each holiday. Thanksgiving concerns generally involve kitchen accidents, for example. This Thanksgiving, enjoy your holiday and ensure that everyone stay safe by following these tips: Keep pets and small children out of the kitchen Make sure that pathways and driveways are free of ice and snow Read all of the directions on any unfamiliar appliance or recipe Prevent the kitchen from getting too crowded Always give a verbal warning when transporting hot food or pans Designate at least one adult to remain sober if children are present Have a plan for ensuring that no one who has been drinking drives Of course, make sure that all of these safety tips are complemented by a comprehensive homeowners' and/or umbrella ... Read more

Homeowners Halloween Safety Guide

Anytime you have visitors to your home there is a potential for liability issues. This is true for holidays like Halloween. If you want to minimize your exposure there are some safety tips you should observe. Here is a brief guide to making sure guests and trick-or-treaters have a safe Halloween when visiting your home. Turn the porch light on. Having an exterior light on not only helps visibility but it also lets neighbors know that you are welcoming trick-or-treaters. Don’t use an open flame in your Jack-o-lantern. It is much safer to use a battery powered light or even a glow stick to illuminate your carved pumpkin. Remove anything that may be an obstacle on your sidewalk and porch. It is getting darker earlier so make sure planters and other obstacles aren’t an impediment to those who are visiting. Secure your pets. You don’t want to take the chance of your pet ... Read more

Garage Door Dangers

Garage doors are often seen as a protection, a way to close off the garage area and keep things secure. However, these heavy doors often pose serious physical threats to people as well. Four of the biggest dangers overlooked with a garage door, particularly an automated one, are: Springs break - Garage doors are suspended with powerful springs. Having only one spring runs the risk the garage door can come down without any delay, possibly hurting someone where it closes. Folding panels - Many garage doors now utilize a folding panel system versus one big door. Those panels open in between, making for a great place to get a finger smashed when the door closes. No sensors - some garages have no obstacle sensor at the bottom to stop a closure if a child is in the way. These setups can create a serious risk for a child or pet dancing around ... Read more
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