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Sparks Insurance, Inc. Blog: insurance

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Frost heave occurs when ice forms underneath soil. As the frozen soil switches between freezing and thawing, it can cause the very foundation of your house to shift since frozen soil has about 10 percent more volume than dry soil. This can lead to serious structural damage to your foundation. READ MORE >>

When it came to company vehicles and employee drivers, Green Landscaping Co. (a pseudonym) did a lot of things right. The vehicles were maintained on a set schedule, their employees were all subject to biennial motor vehicle record reviews and every truck was outfitted with a telematics device that reports the vehicle’s location and speed. READ MORE >>

The kids are driving. They want their own cars, yet you want to help them as much as you can as they establish themselves. The easiest remedy? Keep them on your auto insurance policy until they can afford insurance on their own, right? Consider these important factors when evaluating whether to continue providing coverage through your own auto policy. READ MORE >>

A personal lines umbrella policy creates an extra layer of protection for you against very large claims when you may be financially liable for a loss or injury to someone else. A personal umbrella policy doesn’t cover everything, so it’s important to clarify with your agent what triggers your insurance. READ MORE >>

Mold is a toxic substance that can grow in homes quickly. It tends to be hard to see at first. However, cleanup can be difficult and expensive, even for small infestations. Sometimes, your home insurance can help you. In others, it cannot. Mold is dangerous to your family’s health. READ MORE >>

Cyber bullying is not just libel anymore. Victims often claim severe emotional distress and even bodily injury. In extreme cases, social media users have been blamed for another person’s death. While a homeowners policy may respond to certain instances where bodily injury is sustained, some online activities may be excluded from coverage. READ MORE >>

Has your hobby turned into a source of sales income? Important considerations regarding your homeowners insurance policy need to be made once you’ve decided to take the leap toward becoming your own boss through direct sales. READ MORE >>

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 >>

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 >>

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