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I am not sure what the weather has been like in  your area over the last couple of days but in Northwest Ohio it has been crazy windy. Since becoming a claims adjuster, I think in a completely different way when it comes to the weather. All I think about are the weather-related claims that will be rolling in. More

You purchase homeowners insurance to protect yourself from the financial hardship that a total loss could bring.  Yet most losses that occur are minor losses that could have easily been prevented through a program of regular preventative maintenance.

Below are some tips to help you get started on your own home preventive maintenance program that will reduce the chance of a minor loss occurring.

Everyday Loss Prevention More

Economies of Scale - When a contractor has many homes under construction at once, materials can be purchased in large quantities for delivery as needed - everything from lumber to plumbing fixtures.   If you buy a large number of bathtubs, for example, suppliers will compete for your business and offer price discounts.  When you buy just one bathtub, and it must be a match for the one that's been destroyed, it will nearly always cost much more than if it had been part of a larger purchase.  This holds true for almost everything that goes into a home and this factor alone can push the cost of rebuilding thousands of dollars higher than the cost for comparable new construction. More

Affordable life insurance for your child is available!

One of the best things you can do for your kids is to start a permanent life insurance program.

• May be purchased for children ages 15 days to age 17
• 3 health questions to answer
• $10,000 - $50,000 coverage available
• Coverage automatically increases by 50% at ages 18 & 25
• No extra premium for automatic coverage increases
• Premiums & cash value guaranteed to age 100