A Homeowner’s Guide to Dealing with Ice Dams
Posted: February 2, 2026
Ice dams form when snow on a roof melts, runs down to colder eaves, and refreezes into a ridge that blocks drainage. Over repeated melt-freeze cycles, water can back up under shingles and leak into ceilings, walls, insulation, and belongings. Why Ice Dams Happen Most ice dam problems start with uneven roof temperatures. Heat escaping into the attic warms the upper roof surface above 32°F...
Tech on the Move: Insuring Your E-Bike or Drone
Posted: October 16, 2025
Seen more e-bikes and drones lately? You’re not imagining it. These gadgets have become a regular part of everyday life. Maybe you use an e-bike to commute around town, or you take your drone out on weekends to capture stunning photos and videos. They’re fun, practical, and not exactly cheap to replace. But here’s a question many people forget to ask until something goes wrong:...
Insurance for Side Hustles: Are You Personally Liable?
Posted: June 10, 2025
By Moira Bocrie and Debbie Parrish Over the past few years, I’ve had more and more clients ask me about insurance for their side businesses - and most are shocked to learn that their existing policies don’t offer the protection they assumed they had. Whether you’re selling homemade goods online, running a small photography business, delivering for a food service, or renting out a room...
What’s Affecting Auto Insurance Rates?
Posted: February 9, 2023
Not only are driving patterns returning to pre-pandemic levels, repairs and replacements are more costly. Here are some of the factors that may influence premiums moving forward. 18 separate $1B+ loss events from weather and climate as of Dec 2022 1 Used car and truck prices up 7.2%; new vehicle prices up 9.4% Sept ‘21 - Sept ‘22 2 Supply chain issues have triggered shortages...
What's Affecting Home Insurance Rates?
Posted: February 9, 2023
Today, claims are more prevalent, and repairs and replacements are more costly. Here are some of the factors that may influence premiums going forward: Material goods for new residential construction prices up 14.3% Oct ‘21–Oct ‘22 1 Asphalt roofing materials prices up 14.5% Oct ‘21–Oct ‘22 2 Prices for lumber and wood products up 6.2% Oct ‘21–Oct ‘22 3 18 separate $1B+ loss events from...