Name: Alliance Financial & Insurance
Address: 423 W Main St, Lowell, MI, 49331
Telephone: 616-897-1515

Spring Refresher

Posted on May 22, 2019May 22, 2019 by Heidi Leonard

We’re finally starting to see some sun in the state of Michigan, thank goodness! Everyone is getting more excited and more proactive as the weather warms up. We’ve got a big holiday weekend coming up here that’s going to be the start of Michigan’s outdoor season! This is when we break out our tents, RV’s, and recreational vehicles for the summer months.

Along with this means it’s time to update your insurance policies. You need to make sure you have the correct vehicles on the road and the correct vehicles in storage. You have to have all of your recreational products insured to verify that they’re safe to be driving on the trails. If you have a pool or trampoline, make sure you’re covered for those on your home insurance and ask your agent about an umbrella policy to guarantee that you’re covered for everything.

Remember, this weekend is going to be a fun time with friends and family. Safety is the key to a good three-day weekend. Always keep the nearest hospital in mind when settling down in an unfamiliar area. Make sure to review fire, boating, and camping safety tips prior to engaging in the activities.

Have a great weekend everyone, and drive safely on the busy roads!

Spring, taking us by Storm

Posted on April 22, 2019April 22, 2019 by Heidi Leonard

April showers bring May flowers, right? Maybe not in Michigan because it still snows half of the time! Regardless of whether we have snow or flowers, the storms will come. The thunder, lightning and wind are going to “rain” down on us again! If we know that every Spring, the storms are on their way then we should prepare for them as best as we can in order to avoid any unfortunate events.

How to prep your home and yard for storm season: Make sure you’re completely ready for the powerful rain and the wind gusts of lake effect storms! Make sure your roof is up to date and that none of the shingles are curling at all. Loosing shingles in a storm is messy to clean and hard to replace. Keeping an updated, quality roof over your head is going to be key if you’re living in Michigan! Also, make sure any large or leaning trees are removed if they’re even remotely close to your home or any outbuildings. Getting these removed ahead of time will cost about the same as it would to remove them but without the stress or damage that they would cause if they came crashing down. For further help on how to prepare for storms and wind, check out this guide!

https://www.newjerseyrealestatenetwork.com/home-high-winds-preparation/

What to do when a storm starts getting out of hand: Make sure you have an EAP (Emergency Action Plan) for your household. Whether it’s simply going down to the basement or designating jobs to people to ensure that everything is okay, it’s always best to have a predetermined plan in the event of an emergency.

What to do if damage occurs: If you think that you have a potential claim on your hands then call your insurance agent. Give them as much info as you can and make sure you’re able to describe damages. You should have an idea as too how much the fix should cost and also how much your deductible is. Filing claims on your home is risky business so it’s best to stay well informed. A claim has to be sudden and accidental, so keep that in mind when assessing the damage. If there’s a ton of damage and it seems to be urgent then it’d be best for you to call your agent asap. If your agent isn’t available then call the company directly so you can get everything taken care of, make sure you still report it to your agent as the earliest convenience. You’ll want to take lots of photos of the damage no matter what. If it’s damage that doesn’t need immediate attention then it’s best for you to have an estimate done so you can better determine if you’d like to file a claim or not.

What does it mean to file a claim on your Home Insurance: When determining whether or not you’d like to file a claim on your home, first find out the cost of the damage. You’ll need to subtract your deductible from that total amount and then decide if that’s an amount that you’re able to pay to fix or if you’re going to need some help from your insurance company. Home claims are okay if it’s only 1 or 2 within a 3 year time span but any more claims could cause your home insurance to drastically increase and/or nonrenewal from your company. So it’s important to be cautious and informed when filing a home claim.

Surviving the Winter of 2019

Posted on February 13, 2019February 13, 2019 by Heidi Leonard

Last Week Michigan got hit with some of the coldest temperatures and LOADS of snow and ice. Everyone was stuck inside with a lot more down time than we had planned, and you should stay inside to be safe! Most of us were somewhat unproductive during that time, posting on Facebook, eating, watching movies, etc.… but we have a couple of things that you can do during a Polar Vortex to help you get ahead! You may even be looking forward to the next polar vortex!

Update your schedules: I’m sure we all have plenty of times that we’ve “made plans” with someone and then not followed through. Now is the time to sit down and analyze your calendar. You want to be spending time with friends and family so schedule them in! Make your doctor/dentist appointments too while you’re at it! We can always stand to get our eyes checked or our teeth cleaned.

Clean: You have an entire home to clean and all of the supplies with you! Get to work! You’ll function better with a clean home and you don’t have much else to do when stuck inside.

Restock your home: I do this about every other week. It keeps me relaxed so that I’m not running out of random things. I just go through and make sure that I have all of the basics (toothpaste, deodorant, plastic bags, etc) and then I double check that I have a spare of everything.

Family time: What a great time to have some family fun! Break into the game cupboard or bake desserts together! This is the perfect time to take advantage of the bad weather and use it to build stronger bonds with family.

New recipes: I’m sure we all have a couple of fun things saved that we’ve been waiting to make! If you have extra time then you can make one of those recipes that takes longer than usual and master something new!

Call your insurance agent: It’s always good to review your coverages and make sure you’re completely up to date. Especially with this crazy Michigan weather, make sure your vehicles and home are covered properly!

Pay your bills: We all dread doing this task but if you get this done on a cold day in then you’ll feel accomplished and prepped for the rest of the week!

Do your taxes: It’s that season! We’re all working so hard and yet we HAVE to make time to do this. Sooner is better than later and once it’s done you’ll instantly lose the stress that this puts on you. It’s best to get it done now instead of putting it off until the last minute!

Make a budget: This is a great way to get organized and get productive! Everyone should have a budget so if you don’t have one then now is the time to make it! If you already have one, then you should update this every year and tax season is the perfect time to get it done!

Online shopping: We all do this with our spare time already, there’s no shame in online shopping when it’s too cold to go out. Find those things that you’ve been wanting and have them delivered! We all love this activity and it’s easy to lose track of time while filling up your cart.

Stressed about the upcoming Weekend?

Posted on November 20, 2018November 20, 2018 by Heidi Leonard

Thanksgiving Desserts

Stressing about this Exciting Weekend?

This is what we’ve been waiting for since November 1^st! Its Thanksgiving weekend and we’re ready to be filled to the brim in thanksgiving foods! Every year we eat until we can’t eat anymore and then we burn off the calories by shopping until we drop. It’s a wonderful time to be alive!

We’re overly blessed, here in America, and it’s important to take a moment and be thankful for everything we have. We’re the “busiest” country and we need to make sure that we take a step back this holiday season, and get a look at the wider perspective. Black Friday and Small Business Saturday can sometimes make us feel less thankful for what we already have so we’re going to all need to work on having gratitude during this time. First, we’ll stuff our faces with tasty food and desserts! Second, we’ll take a nap after all the turkey. Third, we’ll go shopping at the most insane hours of the day in order to ensure that we get the best presents for the best price possible.

We wanted to put something together to help everyone with this extremely busy weekend so we’ve included one of our FAVORITE recipes! This is our pumpkin roll recipe from Allrecipes.com and we LOVE it! If you make this then please let us know how it turns out!

Pumpkin Roll:

3 eggs, beaten

1 c white sugar

½ tsp ground cinnamon

2/3 c pumpkin puree

¾ c all-purpose flour

1 tsp baking soda

2 Tbsp butter, softened

8 oz cream cheese

1 c confectioners’ sugar

¼ tsp vanilla extract

Confectioners’ sugar for dusting

Directions:

Preheat oven to 375 degrees F. Butter or grease one 10×15 inch jelly roll pan.
In a bowl, mix together the eggs, sugar, cinnamon, and pumpkin. In another bowl, mix together flour and baking soda. Add to pumpkin mixture and blend until smooth. Evenly spread the mixture over the prepared jelly roll pan.
Bake 15 to 25 minutes in the preheated oven. Remove from oven and allow to cool enough to handle.
Remove cake from pan and place on tea towel (cotton, not terry cloth). Roll up the cake by rolling a towel inside cake and place seam side down to cool.
Prepare the frosting by blending together the butter, cream cheese, confectioners’ sugar, and vanilla.
When cake is completely cooled, unroll and spread with cream cheese filling. Roll up again without towel. Wrap with plastic wrap and refrigerate until ready to serve. Sprinkle top with confectioners’ sugar and slice into 8-10 servings.

https://www.allrecipes.com/recipe/13731/pumpkin-roll-i/

Let us know how these pumpkin rolls turn out! Now, after we all feast, we’ll be out at the darkest hours shopping like our lives depend on it! You’re your caffeine and hang on tight. We’ve put together a brief list of black Friday dos and don’ts. Let us know how these work out for you!

DO:

Be polite to other shoppers and ESPECIALLY to all employees. They probably are just as frustrated as you are, if not more. One good, friendly face may change their entire weekend!
Have a plan and a route for what you need and where you can get it. You want to be efficient and quick with this so that you can get home, eat Thanksgiving leftovers, and get to bed!
Go with a group of people and keep your phones on you at all times! If you go with a group of 6-8 people, you can split off into pairs to create maximum efficiency.
Try to get all of your Christmas shopping done before December 1^st so that you can relax and enjoy the holiday without the stress of shopping. Try to get everything wrapped too! That’ll save time and space, they can go directly under the tree instead of hidden in a closet!
Make sure to have coffee and nutrition so that you are health and fueled for a night of hard core shopping!

DON’T:

Think that your wants/needs are more important than other shoppers. We’re all trying to get our shopping lists completed and spend the smallest amount of money possible. We’re all in the same boat.
Be rude to employees, they’re trying their best to service a huge amount of people. This is the craziest shopping day in America and they probably have a lot more immediate problems than you do.
Don’t go alone. It’s a crazy day with all the hustle and bustle and then the lack of sleep on top of that, it’s best to go as a group.
Don’t go in without a plan! You’ll end up purchasing unnecessary items and losing more money than you save.
Put your shopping needs above eating/drinking/sleep needs. You need to be healthy to be happy so let’s make sure we’re hitting every area here.

So have a blast with your family and friends this holiday season! Tell us your thoughts on the pumpkin rolls and share your crazy Black Friday stories with us! Make sure your home is insured prior to having guests over and before the cold weather hits! Plus, with all the snow and ice that we got last week you’ll want to make sure your auto is covered appropriately too.

Make sure you give us a call with all insurance related questions: 616-897-1515!

10 Trick or Treat Safety Tips

Posted on October 30, 2018October 30, 2018 by Phalesha Kyes

There’s no doubt your little ones are beginning to get excited about Halloween. You can’t blame them – what child wouldn’t start counting down the days to dressing up as a superhero, princess or firefighter while also getting free candy?

To make sure your family has the best Halloween this year, here are 10 safety tips:

Never trick-or-treat alone. Always make sure you are either with your kids or they are in a group.
Have a planned route before-hand. If you aren’t accompanying your kids, plan out where they’re going to go with their friends. Tell them what neighborhoods are good, which they aren’t allowed to go to and what’s deemed too far.
Have a flashlight. You want to be able to see that candy right? It’ll also make your trick-or-treaters more aware to other children and drivers on the roads.
Wear comfy shoes. Sure, Spider-Man might not rock sneakers with his outfit but you’re going to want your children to be comfortable for the long walk that night.
Never accept rides from strangers or go inside strangers houses.
Only visit well-lit houses. If a house doesn’t have its porch light on or any other indicators that they’re open for candy, it’s best to skip that house and move on.
Don’t eat any candy that isn’t properly wrapped. A tummy ache will crush your child’s candy-eating dreams.
Don’t run! Those costumes aren’t built for sprinters, so tell your kids to not be in such a hurry to avoid tripping over theirs or others costumes.
Stay on sidewalks as much as possible. Don’t wander into the street and stick as close to houses as possible.
Make sure your child can properly see and move comfortably. It’s fun to put down the cape and cowl of your favorite hero, but make sure they can see and enjoy the night properly and reduce the risk of getting hurt.

Alliance wants to wish everyone a Happy Halloween! We’d love to see your costumes, please share them with us! And you have a funny Halloween story then we’d like to hear that too! Let’s kick off this holiday season with a great start!

Alliance Insurance

5 Tips for Preparing Your Car for Winter

Posted on October 17, 2018October 23, 2018 by Phalesha Kyes

Fall is just about here and that means the hardest season for your vehicle is around the corner. Winter takes its toll on many drivers, particularly if you haven’t taken the time to do some basic maintenance on your vehicle.

Here’s what you need to know to reduce your risks of getting into an accident in slippery conditions and to help you get more life out of your vehicle.

1. Check Your Tires. First, you’ll need to check the tread-wear on your tires. Take a penny and place it in between your tread, with Lincoln’s head facing up. If you can see Lincoln’s hair, you need new tires. You’ll also need to check your tire pressure to make sure it’s at the optimum level for your particular vehicle. If you live in an area with chronically bad winter weather, you may want to consider purchasing snow tires for the winter season.

Prepared for Winter — Is your Car ready for Winter?

2. Replace Your Windshield Wipers. This is one thing that many car owners miss, and it can have serious consequences. The elements are hard on your wipers, and they should be changed twice a year, in spring and fall. Don’t forget to change the wiper on your back window if you have one!

3. Change Your Oil. As the weather cools down, you’ll need to make sure you’re using the right viscosity of oil. If you change your own oil, check your owner’s manual to make sure you’re using the recommended oil. If you’re having it done for you, just ask the shop to provide you with oil that’s right for winter.

4. Check Your Battery. The last thing you need when it’s cold is to end up stranded somewhere. Take your battery to a shop and have it checked to make sure it’s got enough power to get you through winter. If you’re getting your oil changed, many shops will even throw in a battery check for free.

5. Check Your Antifreeze. After the long, hot summer season, you’ll also need to make sure you’ve got the right levels of water and antifreeze in your car. The ideal mix is 50/50. It’s best to have the professionals take care of this one for you, unless you have experience in checking your antifreeze.

These five simple steps will help keep your car running smoothly all winter and reduce the risk of getting into an accident or needing a tow.

Have more questions on your options for vehicle insurance and what you can do to lower your premiums and reduce your claims? Give us a call today at 616-897-1515

Alliance Insurance

10 Insurance Claims You Didn’t Know Existed

Posted on October 11, 2018October 18, 2018 by admin

10 Claims You Didn’t Know Existed

When we ask people about Umbrella policies, they almost never know what we’re talking about. The thing about Umbrella policies is that they cover a TON of intriguing and unusual scenarios. For your own amusement, we’ve provided some surprising claim examples that are 100% REAL.

Example 1: A babysitter left a 5 month old infant unattended in a walker. The infant toppled the walker, struck her head on the floor, and suffered brain damage. The parents of the infant sued the teenage babysitter AND her parents. The court awarded the infant’s parents $11,000,000.

Example 2: An insured’s daughter hated math class as well as the teacher. The daughter made several disparaging and false remarks about her teacher online. The teacher sued the parents for personal injury and $750,000 was paid.

Example 3: The insured’s 18 year old son was driving the insured’s car on a short trip to the store with his girlfriend. He lost control of the car and struck a tree. The insured’s son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. His girlfriend, a 19 year old college student, was hospitalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical therapy. She has a right drop foot as a result of the injuries. The insured’s personal umbrella policy limit was paid.

Example 4: A 28 year old engineer dove into a friend’s above ground swimming pool, struck his head on the bottom and, as a result became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60% responsible and the pool manufacture to be 40% responsible, and awarded $10,000,000.

Example 5: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.

Example 6: A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Example 7: A hillside on the insured’s property was covered with concrete to prevent erosion. The concrete had been installed before the insured purchased the property. Approximately 5 feet of the concrete fell to the neighboring property knocking the claimant’s home from its foundation. The resulting claim was settled for $970,000.

Example 8: The insured permitted several of her children and their friends to play paintball in her large back yard. The children were experienced and advised of all the safety rules including the use of headgear at all times. A participant removed her headgear as she was leaving the field in order to better hear someone calling her name. The minor claimant was his in the eye resulting in a $475,000 settlement.

Example 9: The insured hosted a beach party for their daughter. One of the attendees found what was believed to be an empty and discarded propane tank. The tank was thrown into a beach bonfire and subsequently exploded resulting in severe injuries to several guests. A $20,000,000 claim was filed alleging the insured failed to properly supervise the party.

Example 10: A couple hosted a party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his consumption of alcohol. This case went to the State Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners and personal umbrella policies responded to this claim.

After reading through these different scenarios you’re probably slightly shocked and what some of these people have gotten sued for and who was truly at fault for the situations. Most of these sound “totally unfair”. These are EXACTLY why it’s so important to have an umbrella policy.

Umbrella Policy: An umbrella policy is an excess liability policy. This means that it offers additional coverage for property you already have covered. So in the case of a lawsuit, if the underlying policy’s liability coverage is exhausted, the umbrella coverage will kick in. Umbrella coverage often includes a wider array of scenarios as well. Umbrella policies can be purchased by the million. So you can have a $1 million, $2 million or $3 million. You can sometimes go even higher with this coverage as well.

Umbrella policies are usually about $20-$25 per month and can add a multi policy discount onto your underlying policies as well so if you’re interested in getting a quote for this then be sure to give us a call!

616-897-1515.

10 Trick or Treat Safety Tips

Posted on September 16, 2016October 18, 2018 by admin

Halloween Candy Corn There’s no doubt your little ones are beginning to get excited about Halloween. You can’t blame them – it’s the yearly chance to go splurge on free candy. Plus who wouldn’t be counting down the days to dressing up as a superhero, princess, or firefighter?

To make sure your family has the best Halloween this year, here are 10 safety tips:

1. Never trick-or-treat alone. Always make sure you are either with your kids or they are in a group of friends you trust.

2. Plan your route beforehand. If you aren’t accompanying your kids, plan out where they’re going to go with their friends. Tell them what neighborhoods are good, which they aren’t allowed to go to, and what’s too far from home.

3. Have a flashlight. You want to be able to see that candy right? It’ll also make your trick-or-treaters more aware to other children and drivers on the roads.

4. Wear comfy shoes. Sure, Spider-Man might not rock sneakers with his outfit but you’re going to want your children to be comfortable for the long walk that night. If your child insists on those sparkly princess shoes, consider bringing some more practical back-up shoes for when reality (or blisters) set in.

Halloween Costume

5. Never accept rides from strangers or go inside strangers’ houses.

6. Only visit well-lit houses. If a house doesn’t have its porch light on or any other indicators that they’re open for candy, it’s best to skip that house and move on.

7. Don’t eat any candy that isn’t properly wrapped. A tummy ache will crush your child’s candy-eating dreams.

8. Don’t run! Those costumes aren’t built for sprinters, so tell your kids to not be in such a hurry and avoid tripping over theirs or others’ costumes. Be especially aware of this when capes or long robes are involved!

9. Stay on sidewalks as much as possible. Don’t wander into the street and stick as close to houses as possible.

10. Make sure your child can properly see and move comfortably. It’s fun to put on the cape and cowl of your favorite hero, but make sure they can see and enjoy the night properly and avoid getting hurt.

What rules do you have for keeping your Halloween safe? Share in the comments!

3 Scary Halloween Insurance Claims

Posted on September 16, 2016October 18, 2018 by admin

Let’s look at some of the most common tricks that are pulled on policyholders over the holiday and ways you can safeguard your car and home this Halloween.

Dog Bites on Halloween

1. My dog bit a trick-or-treater! Halloween creates heavy traffic to your home and can be downright spooky for dogs. A scared dog is on higher alert than normal, and this could result in your furry friend taking a bite out of one of your costumed visitors.

It’s best for you, and your pet, to have them put away from the door when you know traffic will be high – such as Halloween night. They should be fine in a back room, away from the front door. If possible put some of their favorite toys and a treat back with them so they know they are not in trouble. We also recommend turning on the TV or a radio in the room your dog is in to help muffle the doorbell or noise and giggles of trick-or-treaters at the front door, which may stress them out.

Remember not to take this risk lightly. There were over 16,000 dog bite claims last year, making up more than one-third of all liability claims paid out homeowners insurance companies, according to the Insurance Information Institute (III). They totaled almost $479 million, averaging nearly $29,400 paid out per claim. Every state has different rules about dog bites, homeowners policies typically cover the liability and medical expenses related to a dog bite, unless your dog or his breed is excluded from your policy.

2. Does my homeowners policy cover TP in the trees? Toilet paper typically doesn’t damage trees, most of the time it’s just paper blowing through the branches, so a claim isn’t necessary. For the most part, toilet paper is merely an annoyance that must be cleaned up in the morning.

However, there have been instances when a tree has been damaged during an act of vandalism. If this happens, your homeowners policies may cover this – check with your agent to be sure. If your tree does have damage from vandalism, avoid cutting down limbs or hauling away any debris until a claims adjuster is able to come out to take a look at the damage to the tree or your home. Halloween

3. My car was egged, am I covered? Vandalism is most likely covered by your car insurance policy if you have comprehensive coverage. Whether or not you should file a claim depends on the amount of damage versus the amount of your deductible. You may be able to remove egg with a simple car wash – though more extensive damage may occur depending on the severity of the vandalism.

In the last few years, we’ve seen claims increase for damage caused by paintballs, water balloons filled with paint or other liquids, and broken windshields with pumpkins thrown through them. If you see severe damage, dents, or your paint eaten away, then a claim may be justifiable.

Your best bet to protect your vehicle is to park your car in the garage or another well-lit, covered area. If you do not have this option, even simply buying a tarp to cover your car can detour vandals.

The good news is that most neighborhoods are prepared for Halloween, and you and your neighbors can look out for each other and the rest of your neighbors. By working together, and helping others be vigilant about safeguarding your street from pranksters, your street will be unattractive to teens ready to egg cars or toilet-paper trees.

What other tips do you have for preventing pranks during Halloween? Share them with us on our Facebook page or Twitter.

Grilling Safety Tips for Summer

Posted on September 2, 2016October 18, 2018 by admin

Safe Grilling Tips Whether it’s for the holiday weekend or just another gorgeous day in Michigan, nothing says summer like the smell of grilling wafting through the neighborhood. It’s one of our favorite parts of summer and a great way to gather the family together to savor the long, hot days. Unfortunately, when folks gather around the grill this summer, risk factors also increase.

According to the National Fire Protection Association, US Fire Departments respond to over 8,200 home fires involving some sort of outdoor grill per year. These 8,200 fires have caused 15 deaths, 120 injuries and $75 million in property damage.

But this doesn’t mean you have to throw water on the coals just yet. You can stay safe and still enjoy your delicious food by following just a few safety tips.

Never grill inside. Besides the obvious fire hazard, grilling inside your trailer, tent, house, garage, or any enclosed area can result in an accumulation of carbon monoxide – possibly enough to be deadly. The safest place to set up your grill will be a well-ventilated area on a flat surface, outdoors and away from buildings and others.
Any utensils (forks, tongs, etc.) should have long handles and you should use flame retardant mitts to avoid burns and splatters.
If a grease fire occurs, don’t panic, and never throw water on a grease fire! Use baking soda to control a grease fire. You should also have a fire extinguisher handy to be sure flames do not get out of control. A bucket of sand can be used as a substitute if you don’t have a working extinguisher. Remember to use the sand or baking soda first, and then you can apply water from a nearby hose if needed.
Never leave a grill unattended once it’s lit.
Don’t allow children to play near the grill when in use or immediately following its use. The grill will remain very hot to the touch for up to an hour or more once it’s been extinguished.
Never attempt to move a hot grill. It’s easy to stumble or drop it and serious burn yourself or someone helping you.

Whether you’re grilling for an outdoor party or just tonight’s dinner, employing safe grilling habits is the hallmark of any true pit master.

Alliance Financial & Insurance

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Category: Safety Tips

Spring Refresher

Spring, taking us by Storm

Surviving the Winter of 2019

Stressed about the upcoming Weekend?

10 Trick or Treat Safety Tips

5 Tips for Preparing Your Car for Winter

10 Insurance Claims You Didn’t Know Existed

10 Trick or Treat Safety Tips

3 Scary Halloween Insurance Claims

Grilling Safety Tips for Summer

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