Frees Advice

Fall Housekeeping

Posted on September 20, 2018 by Taylor Payne

School has started. Political ads are running for the November election. That can only mean one thing. Winter is on its way. In preparation for the cold weather, we would like to suggest the following checklist to make sure that you and your house are ready for the change of seasons.
Outside:

Monitor the falling leaves to make sure your gutters remain clear.
If you…

Water My Coverage Options?

Posted on September 14, 2018 by Taylor Payne

We have certainly dealt with our fair share of rain this summer. Long range forecasts predict continued bad weather on top of the torrential rains we have experienced.  Frees Insurance wants to make you aware of a potential gap in coverage on your home insurance policy. While your policy provides protection for water damage from a broken pipe, you may not currently have any coverage…

Happy Labor Day!

Posted on August 31, 2018 by Taylor Payne

This Monday commemorates Labor Day. The day is dedicated to more than just the unofficial end of summer, the official start of the school year, or the final gasp before election commercial start. The day is dedicated to the celebration of the labor movement here in America and honors the social and economic achievements of all American workers. It is to recognize the contributions made…

The Rogue Death Wave

Posted on August 15, 2018 by Taylor Payne

In boating, there is a term called the rogue wave. This is a huge destructive wave that comes out of nowhere with disastrous effects. Death can do the same thing. As we all know, death comes too soon. We all die too soon.
It was Franklin that said “Only two things are certain; Death and taxes.” It is just as important to be prepared for…

Underground Lines

Posted on July 19, 2018 by Taylor Payne

There is a huge difference between insurance and a warranty. Insurance pays, typically, for things that occur suddenly and accidentally” AND they are NOT maintenance issues. So, when you hot water heater fails and the water runs all over your basement, the insurance pays to clean up the mess. It does not pay to replace the water heater. The same goes if you need a…

Rental Cars: Buy the Insurance?

Posted on July 11, 2018 by Taylor Payne

We are in the heat of the summer and everyone knows what that means. Vacation! We’ve been waiting since this time last year to finally take some (hopefully) uninterrupted time out of the office. We get asked on a regular basis about rental car insurance on vacation. To buy the “expensive” rental coverage through the company or not? As long as you are within…

Father’s Day

Posted on June 12, 2018 by Taylor Payne

Searching for the right gift for your husband this Father’s Day? Forget the expensive silk tie, do-it-all DIY tool or the latest high-tech electronics and get the father in your life something he really needs: additional life insurance.

Perhaps your husband, like most men, carries some life insurance. A study showed that about 74% of husbands have life insurance coverage (LIMRA…

Where’s the Party?

Posted on June 7, 2018 by Taylor Payne

Our world seems to be getting increasingly complex and significantly more litigious. In the old days, you would just invite people to the wedding, birthday party, or graduation celebration without demands from the venue for coverage and without the fear of being sued by someone who drank too much. Those days are gone and in their place, the insurance industry has created a Special Event…

‘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…