Frees Advice

Protected From Flood? Probably Not!

Posted on February 22, 2017 by Taylor Payne

flood, flood insurance

Homeowners Insurance: Uncovered

The National Flood Insurance Program has established a legal definition for a flood as follows: A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. 
Flooding occurs in EVERY state! Many people find out too late that they are at risk for flooding, and…

Rental Cars and Your Auto Insurance

Posted on February 15, 2017 by Taylor Payne

Auto Insurance: Uncovered
We spend a significant amount of time advising our clients about what insurance will do for them. We think it is equally important that we advise them of some of the basic areas where insurance will never respond. The past blog dealt with issues not covered by home insurance. Today, I want to spend some time on two issues that are not…

Insuring Valentine’s Gifts

Posted on February 6, 2017 by Taylor Payne

Valentine’s Day is right around the corner. For those of you who are giving or receiving the gift of jewelry, make sure you consider insuring those items. In the event of a loss you will have peace of mind knowing your beloved items are adequately covered. Under your homeowners policy, this endorsement would cover repairs of like kind and quality. If you have a…

Insurance vs. Warranty – Auto

Posted on January 31, 2017 by Taylor Payne

Your insurance covers a multitude of things. Unfortunately, it does not cover everything. Over the next few weeks, we are going to cover a series of things that are not covered by your home or auto insurance. This week is focused on auto.

General maintenance and wear and tear are never covered. They are especially not covered by your automobile insurance. Oil changes, tire rotations…

Insurance vs. Warranty – Home

Posted on January 24, 2017 by Taylor Payne

I have been spending a lot of time in the car lately. Listening to terrestrial radio gives you the opportunity to hear all sorts of ads for all sorts of crazy things. The one that recently caught my attention was the ad for the Home Warranty. It started out by indicating that your home insurance takes care of things like a zombie apocalypse or an…

Winter Storm Preparedness

Posted on January 5, 2017 by Taylor Payne

As Winter Storm Helena makes its way towards us, be sure you’re prepared for the first of many possible snow storms this season. While Helena isn’t bringing much snowfall, this is a good practice run for more major snow storms. Here is a winter storm preparedness list from the Red Cross…


Winter storms can range from a moderate snow over a few…

Holiday Tipping Guide

Posted on December 19, 2016 by Taylor Payne

From the Emily Post…

The holiday season is traditionally the time Americans choose to thank those who provide them with year-round services. It’s important to remember that holiday tipping is truly about saying thank you. With a little creativity you can accommodate everyone on your list this year without blowing your budget.

Here are some things to consider when you’re deciding how…

Holiday Candle Safety

Posted on December 12, 2016 by Taylor Payne

The holiday season is almost here… What better way to get in the holiday spirit than some Christmas music and a nice winter candle? But did you know that from 2009-2013, U.S. fire departments responded to an estimated 9,300 home structure fires that were started by candles? These fires caused 86 deaths, 827 injuries and $374 million in direct property damage, according…

Insuring Holiday Gifts

Posted on December 8, 2016 by Taylor Payne

Insurance is usually the last thing on people’s minds, especially around the Christmas season. You are already spending so much on gifts, the last thing you probably want to do is spend more money.
Sometimes, some of those presents are high in value and you intend them to be around for a long time. Every person is different and must decide for themselves if…

Cyber Monday

Posted on November 28, 2016 by Taylor Payne

We hope everyone had a terrific Thanksgiving holiday. Thanksgiving was as early as it can be. This gives everyone an extra week for shopping, parties, and time to enjoy the season. For those who had to work over this weekend, thanks for being there for all of us. Hopefully, for those who got to enjoy the break, it was a pleasant respite. But now, today…