Marlene Levengood

Wind and hailstorms can happen with little warning, and when they do, most homeowners want to know one thing: "Am I covered?" The answer often depends on more than just having homeowners’ insurance. Understanding your wind and hail deductible, and whether it's a flat amount or a percentage, can help you know what your policy covers and what your financial responsibility may be after a storm. What is a percentage deductible? A percentage deductible is based on a percentage of your home’s...

Insurance pricing can feel like a mystery. Two people with similar homes or cars can pay very different premiums. So how does it actually work? Behind the scenes, insurance companies use data, risk models, and years of claims history to calculate what you’ll pay. While the formulas are complex, the core idea is simple: how likely are you to file a claim, and how much would that claim cost? The Two Key Factors: Risk and Cost Every premium starts with two basic questions: What is the chance...

A winter accident kit isn’t just a nice extra to keep in your vehicle—it’s a practical layer of protection when cold weather turns a minor inconvenience into a dangerous situation. Snow, ice, and freezing temperatures can leave drivers stranded for hours, and having the right supplies on hand can make the difference between discomfort and real risk. A well‑prepared kit ensures you can stay warm, visible, and safe while waiting for help. A strong winter accident kit starts with warmth. ...