Improve Your Home and Lower Your Homeowners Insurance
Home insurance rates are increasing nationwide, but there are practical steps you can take to reduce your costs. By making improvements to your home that enhance safety and limit the frequency of insurance claims, you can often earn discounts and credits from insurers.

Replace your roof. Insurance companies view a newly constructed roof as less prone to damage and offer lower premiums accordingly. By comparing quotes and opting for wind- or fire-resistant materials, you can further reduce costs.

Add a security system. Installing protective features such as deadbolts, fire alarms or a fully monitored security system can lead to substantial savings on homeowners insurance premiums. The effectiveness of the security device determines the discount amount.

Upgrade home systems. Outdated home systems often contribute to accidental fires and water damage, leading to frequent insurance claims. By upgrading your internal systems, such as replacing aging pipes and electrical wiring or installing a new HVAC system and water heater, you can lower your insurance rates.

Invest in smart home technology. Insurance companies increasingly offer policy credits and discounts for investing in smart home devices that enhance safety. Smart locks, water leak detection systems, and gas leak or freezing pipe sensors are examples of valuable investments.

Lowering your home insurance rates is achievable by taking proactive steps, such as upgrading your home systems and investing in technology to make your home safer and reduce the likelihood of claims. Check with us to learn whether a new product or system will increase or decrease your insurance premiums. We're always here to help.
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Unforgettable Travel Escape Ideas for Your Summer
With the arrival of summer, the desire for exciting travel experiences is stronger than ever. But maybe you want to beat the heat with your travel plans. From exotic destinations to hidden gems, these travel ideas are sure to ignite your wanderlust but help you keep cool.

San Francisco. 
San Francisco's cool summers defy expectations, with fall being the warmest season. Explore iconic neighborhoods like Russian Hill and visit Muir Woods for a refreshing nature escape. Don't forget your light jacket to embrace the city's captivating charm and cool microclimate.

Anchorage, Alaska. Contrary to expectations, Alaska isn't icily cold all year round. Anchorage can experience surprising warmth. In fact, throughout summer, visitors can enjoy activities like biking the Tony Knowles Coastal Trail or exploring Chugach State Park and Chugach National Forest for wild adventures.

Caves. If you’ve never gone cave exploring before, this summer may be the best time to start, not to mention their temperature control will allow for a cool respite from summer heat. You can find some incredible caves to explore all across the world, including the longest known cave system in the world, Mammoth Cave National Park in Kentucky.

Springs. When the heat becomes unbearable on land, there's nothing quite like taking a plunge into a refreshing freshwater swimming hole. For example, when the heat gets to be too much in the great state of Texas, head to Barton Springs in Austin, which is absolutely gorgeous.

Cold sea swimming. If you’re in the mood for more cold water swimming, get to dipping in the ocean at Cape Cod, Massachusetts. The waters in July are perfectly refreshing.

Remember to stay updated on travel restrictions and guidelines to ensure a safe and enjoyable journey.

If your summer includes travel plans, add to your travel checklist.

Charred Veggies and Pesto Couscous Salad

2-3 raw beetroot, peeled and chopped
3 red onions, cut into wedges
1 green pepper, deseeded and cubed
1 orange pepper, deseeded and cubed
1 tbsp olive oil
2 cups cherry tomatoes
2 cups whole wheat giant couscous

For the pesto:
Handful of fresh cilantro, roughly chopped
Bunch of flat-leaf parsley, roughly chopped
1 garlic clove
1 green chili, deseeded
1/2 tsp cumin
1 tbsp apple cider vinegar
1 tbsp olive oil
1/2 cup pine nuts, lightly toasted

Heat oven to 400° F. In bowl, toss beetroot, onions and peppers together with oil. Spread out on tray and roast for 35 mins. Scatter cherry tomatoes, return to oven for 10 mins until tomatoes have softened and vegetables are tender. Cook couscous following instructions. To make pesto, place cilantro and half the parsley in bowl with garlic, chili, cumin, vinegar, oil and half of pine nuts. Add 2 tbsp water, then blitz with hand blender until smooth. Toss roasted veggies, chopped parsley with couscous and add pesto. Sprinkle with remaining pine nuts. Serves 4.

Check Out our New Insurance Agent App 

Submit a claim, pay bills, check your policies, get an auto ID card, email/text/call your agent or customer service person, inventory your valuables... you can do it all anywhere with our new app.

Click on the image above for a short video, then click on Apple or Google to get it:

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