Blog - Smith Insurance & Financial

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Space Heater Safety Tips to Avoid House Fires

People across the nation are breaking out their winter jackets, scarves, and gloves to prepare for the winter months that are upon us. Keeping warm during winter is important for everyone, so it is likely that many people are grabbing their space heaters as well. While a space heater can be a useful tool during […]

When to Update Your Life Insurance Beneficiaries

Life insurance: you may not want to think about it too hard, but you need to. It can be difficult to consider the possibility of your own passing, but when you realize what the financial consequences of your death might be for your loved ones, you’ll realize just how important life insurance is. If you […]

5 Reasons to Be Thankful for Your Independent Insurance Agent

As we get closer to the time of celebration and being grateful, it’s a good time to think about all you are thankful for. One thing that may not always come to mind is your independent insurance agent! When looking into getting your own set of insurance policies, no one else is going to have […]

4 Practical Insurance Tips for Millennials

Millennials (young people born between 1981 and 1996) are now reaching a place in their lives where they have to start making important financial decisions, such as when to buy a house or have children. With the average amount of millennial debt rising, it is becoming more difficult for young people to build up savings. […]

Ins and Outs of the Business Owner’s Policy

If you own a business, you may be familiar with the term Business Owner’s Policy, otherwise known as a BOP. This policy combines business property and business liability insurance into one business insurance policy. The intention of a BOP is to help cover your business from claims resulting from things like fire, theft, or any […]

Umbrella Insurance: What’s Covered Under the Umbrella?

Umbrella insurance, usually referred to as excess liability insurance, is a form of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. An umbrella insurance policy is put in place to help the policyholder pay what they owe. To put it in simple terms, if a dollar limit […]

Protecting Your Vacant Property

The first question that you may be asking yourself is, “When will I ever have a vacant property?” It’s surprising how common owning a vacant property is. There are four common scenarios where you may have possession of a vacant property: You own rental properties and are between tenants You’ve moved for a new job […]

What Are the Real Consequences of Skipping Breakfast?

Mornings are difficult, aren’t they? You’re rushing to get showered and dressed – and if you have kids, to get them up, showered, and dressed – and you have to make it to work on time! With everything going on, stopping and making breakfast is not on your to-do list. You’ve probably heard it a thousand times: […]

Identity Theft Protection

We are living in an almost fully digital world and it’s becoming more of a challenge to protect yourself online. In order to protect your personal data against the growing identity thieves, it’s important to take steps to minimize your odds of being victimized. The overall goal with these steps is to build as many […]

Have a Safe and Happy Halloween by Avoiding Insurance Claims

Halloween is a special day of the year that many people young and old get excited about. However, Halloween poses more dangers than scary masks and fake blood, so you need to stay safe and protect what you care about. Here are some useful tips for staying safe, having fun, and avoiding insurance claims! Safety […]