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Sparks Insurance, Inc. Blog: insurance

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  Because they present more of a risk, auto insurance rates are generally higher for teenage drivers. However, there are some ways you can both protect yourself financially and lower the cost of insuring your teen by doing the following:   Understand the Risk READ MORE >>

  College is the first time many students move out of their parents' house — whether to a dorm room or sharing an apartment with friends. It's also the first time that students really start to acquire their own possessions — computers, electronics, furniture, and more. READ MORE >>

An average of 75 people have died in the U.S. from flash floods each year from 2004-2013, according to the National Weather Service. That's more than double the average death toll from lightning. Percent of flood-related deaths by situation from 1995-2010, excluding Hurricane Katrina flood deaths. READ MORE >>

  Flash flooding is among the most dangerous roadway hazards a driver can face. However, with the right knowledge, you can keep your car, your family and yourself safe even when one of these events comes to pass.  Knowledge is power READ MORE >>

For many decades, having a job meant being an employee of a company—often for life. Today, it’s a different story. That’s because many people are a part of the so-called gig economy of independent consultants who often move from one job to the next. READ MORE >>

After a close call in my apartment–who knew olive oil is bad for high-heat cooking? – it dawned on me that I had never used a fire extinguisher. I’m no fire chief, but learning on the fly while your smoke detector is blaring seems like the wrong time to figure that out. READ MORE >>

  Planning on sprucing up your home this spring? If so, you probably already have a list of annual projects. But there are many others that fly under the radar. Paul Sullivan, founder of a full-service remodeling company and the chairman of the National Association of Home Builders Remodelers, suggests you tackle these overlooked home projects. READ MORE >>

Pests in the home can turn into a major headache for homeowners. Not only are they a nuisance, gnawing rodents and chewing termites can eventually cause real damage to the structure of your home. Unfortunately, when this damage happens, it’s usually not covered by your homeowners insurance policy. READ MORE >>

  The summer is ripe for fun, but as the saying goes, it’s all fun and games until someone gets hurt. Make sure your business is prepared to combat these five big summertime risks, as told by the experts. 1. Heat-Related Illness READ MORE >>

  “If my home is damaged by a summer storm, will my insurance cover repairs?” Where water-related damage is concerned, the answer depends on whether the water came from above or below. In general, if the damage was caused by wind-driven rain that came in through your roof, windows or doors, your insurance will cover the cost of repairs. READ MORE >>

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