Frees Advice

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…

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…