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Sparks Insurance, Inc. Blog

View the latest blog posts from Sparks Insurance, Inc..

A standard auto policy—known as actual cash value—will typically pay to repair or replace your car minus depreciation. But increasingly, “new car” and “better car” replacement options and gap insurance are available. Are they worth it? READ MORE >>

Having the right coverage on your homeowners policy can make the difference between a paid claim and a major headache. Water damage is one of the most frequent claims in the country, and purchasing coverage for these losses is an important consideration in your insurance portfolio. READ MORE >>

If you are a college student, you are probably counting down the days until spring break. Here are 12 spring break tips to keep you safe while you're having fun away from school. 1. Don't be stupid in the ocean. If you are going to be swimming in the ocean, do you even know what rip currents and rip tides are? READ MORE >>

Starting and ending Daylight Saving Time can play havoc with sleep. Find out how to reset your sleep clock. Turning the clock forward or back for Daylight Saving Time is always hard. Losing an hour in the spring can leave you groggy for weeks while the extra hour in the fall can feel like a windfall – but can disrupt your sleep nonetheless. READ MORE >>

The luck of the Irish is not enough to protect you against a possible encounter with an impaired driver during St. Patrick's Day. Alcohol-related crashes continue to be the main factor for deaths during this holiday. In 2000 there were 151 fatal car accidents on St. Patrick's Day, half of which were alcohol-related. READ MORE >>

If you never thought a stay-at-home parent needed life insurance, you might want to think again. That’s because in addition to being full-time caregivers, stay-at-home parents are often also cooks, housekeepers, tutors, psychologists, chauffeurs, nurses and more. READ MORE >>

The first Friday in March is Employee Appreciation Day. If your company hasn't already made plans to show your employees how much you appreciate them, check out what these companies are doing. Some are doing something special, but some just make sure to show appreciation all the time. 1. READ MORE >>

The sun is shining, birds are singing and it’s time for your garden to come back from the winter weather. Your garden needs some help getting back in shape, though, so it’s time to get the supplies from the home improvement store, pull out the tools from the shed and get to work. READ MORE >>

It’s been a long, cold winter across most of the country, but spring is finally going to be here. This is a good time to get your car back into shape after a tough season facing frigid temperatures, snow, ice, and now potholes.    RELATED: Read Potholes - The Car Killer    READ MORE >>

A certificate of insurance (cert) is one of the most commonly requested documents in contract bids. It acts as a snapshot of coverage to verify that a policy exists, and it lists key policy features, such as the effective dates of coverage, types of coverage included, and amounts of coverage. READ MORE >>

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