Frees Advice

‘Spring Forward’ with Daylight Saving

Posted on March 5, 2018 by Taylor Payne

Daylight Saving Time begins this Sunday, March 11 at 2AM. Be sure to set all your clocks forward one hour!
Why Daylight Saving Time?
According to the New York Times, “the reason the United States and many other countries, mostly in the West, shift to daylight saving time is contentious and confusing, and some of the more popular explanations are not grounded in reality. (It…

Online Safety & Protecting Passwords

Posted on January 29, 2018 by Taylor Payne

One capital letter. One lower case letter. One “special” character and a number. Does all of that sound too familiar? Anyone with one-line access has had to create a unique user name and password for everything from Facebook to on-line banking. Keeping track of all of these is becoming increasingly harder, especially when some sites require that you constantly change the password. Making…

Space Heater Safety Tips

Posted on January 15, 2018 by Taylor Payne

As a volunteer firefighter and insurance agent, I am not a huge fan of space heaters. Used improperly, there is a high likelihood of a malfunction and fire. We have banned space heaters from our office. We recommend that you do the same in both your home and office. If you do plan to use a space heater, we have compiled a list of important…

Understanding Your Homeowners Policy: What’s Covered?

Posted on December 4, 2017 by Taylor Payne

I looked back through our home blogs and it appears that we covered the sudden and accidental and plumbing outside the house along with the flood exclusion. I believe the following would be appropriate…
What do you mean this isn’t covered? Those words start the worst conversation anyone can have when it comes to their insurance. Whether it is your health insurance, car insurance…

Loan/Lease Gap Coverage

Posted on November 14, 2017 by Taylor Payne

Car aren’t getting any less expensive these days. Car leases and loans are being stretched out over longer periods of time to help manage the cost of paying for more expensive vehicles. This creates a new, uncovered exposure and everyone should understand the risk as well as the options for protection. It is suggested that new cars lose up to 30% of their value…

Home Winterization

Posted on November 1, 2017 by Taylor Payne

There is no doubt that the past few winters have been nothing short of a freezing, grey, and snowy mess. This coming winter is predicted to be cold and snowy. That’s why this winter, like every winter, it’s important to remember to be prepared not only with hats and gloves, but also with winterizing your home.

There are many things you can do…

After A Hurricane, New Confidence

Posted on October 19, 2017 by Taylor Payne

This article was published by Elizabeth Bernstein on September 25, 2017.
I recently rode out Hurricane Irma in Miami. For three days before it hit, the storm was a Category 5 and the forecast track for the eye went directly over my house. As I boarded up my windows, bought supplies and prepared to report on any devastation, I was a quivering mess.

A good…

Hurricanes and Floods

Posted on October 11, 2017 by Taylor Payne

flood, flood insurance

It is almost the middle of October, and the Hurricane Season does not end until next Month. We have had the most active hurricane season since 2005 with 4 hurricanes hitting the mainland of the US. What does all of this mean for the insurance buying public? It means it is time to have a FULL understanding of the policy limitations on your regular home…

Phone A Friend: Joan Cadigan

Posted on September 15, 2017 by Taylor Payne

“Phone A Friend” is a series that highlights friends and leaders of the Phoenixville community. Our phones have become part of our identities, so we got an inside look as to how these people utilize their phones in and out of the office. This week, Frees Insurance is highlighting Joan Cadigan. Joan is the Executive Director of the Phoenixville Community Education Foundation. PCEF’s mission…

Phone A Friend: Kristen McGee

Posted on August 18, 2017 by Taylor Payne

“Phone A Friend” is a series that highlights friends and leaders of the Phoenixville community. Our phones have become part of our identities, so we got an inside look as to how these people utilize their phones in and out of the office. This week, Frees Insurance is highlighting Kristen McGee. Kristen is the Executive Director of Ann’s Heart in Phoenixville. Ann’s Heart…