When you’re shopping for homeowner insurance, remember that policies can vary widely. Some coverages may be included, and others may be available for additional premium. Here are some questions you might want to ask your independent insurance agent: Is my home covered for full replacement cost? This is one of the key distinctions between […]
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Entries by theayresgroup
Work Zone Ahead signs can frustrate drivers on the road when slow traffic affects our daily routine. But we can lose a lot more than just a few minutes if we don’t follow traffic laws for construction areas. Construction zones can be dangerous for both drivers and workers. According to the U.S. Department of Transportation […]
The roof of your home is its first line of defense against the elements. But as a roof ages, its ability to protect lessens. The manufacturer’s estimated lifetime rating for roof shingles is determined under ideal circumstances, but actual conditions that your roof endures could be far from ideal. STORM DAMAGE Storm damage in the […]
Watches / warnings: Flood watches are issued when rain is heavy enough to cause rivers to overflow. Flood warnings describe the severity of the situation and indicate when and where the flood will begin. Flash flood watches are issued when heavy rain is occurring or is expected to occur. Flash flood warnings are issued […]
Fire up the grill (but do it safely) Memorial Day marks the unofficial start of backyard grilling season. The Insurance Information Institute estimated that Americans enjoy more than three billion barbecues each year. Unfortunately, each summer season also brings numerous home fires and burn injuries associated with outdoor grilling activities. A study of residential fires […]
Water sport and boating safety As we enter the start of summer, people will spend more time on the water skiing, boating and riding personal watercraft. But with more people on the water comes more potential for injuries. According to the U.S. Coast Guard, nearly 80 percent of all recreational boating injuries occur from May […]
Congratulations to the Ayres-Rice Insurance Agency who has been named#4 of the Auto-Owners Insurance Western Michigan Region Top 10 Agencies! The Top 10 Agencies qualified by showing the greatest increase in Property/Casualty written premium in 2014. The Top 10 agency representatives met today with Dan &elen, Executive Vice President and Cathy Adcock, Regional Vice President—Western Michigan Region for a luncheon at the Crowne Plaza Lansing West […]
Landscape contractors and their employees face increased threats of injuries because of the nature of their work – some as a result of nature itself. Severe weather, biting insects, sun exposure, and even animals are just some of the hazards that present safety challenges. Add back-breaking work, high-powered equipment use, and chemical applications, and you […]
It’s a classic TV reality show scenario: A young, ambitious couple purchases a foreclosed property and flips it for a huge profit. This quick cash flow seems too good to be true…and usually i The thrill of flipping a home often overshadows the harsh reality that profitable house-flipping opportunities are few and far between. I […]
Insure your business from the start. Question: I’m starting my business and know I should obtain various types of insurance. Since my funds are limited, what do you recommend to start? Answer: Virtually every business needs: Fire insurance extended for conditions including storms, explosions, smoke damage and other disasters Liability insurance for bodily injury occurring […]
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