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Lancette Agency LLC Blog Page 9

View the latest blog posts from Lancette Agency LLC.

Winter road conditions can be tough to navigate for any driver, whether experienced or not. In colder climates, it’s likely that you’ll experience a loss of traction at some point during the harsh winter months and it’s important to familiarize yourself with these situations before you find yourself in one. READ MORE >>

It’s often said that Midwesterners are a pretty strong breed, in part because the harsh winters have toughened us up. We’re also practical, and know that understanding winter hazards is the best way to get through the season safe and sound. Tips for avoiding costly weather-related repairs READ MORE >>

When you think of winter, you might daydream about skiing, sledding, holidays and snowmen. But before you start jumping into all the fun, make sure your home and vehicles are able to take on the demands of harsh weather.   Make Your Car Roadworthy Get your car into an auto mechanic for a top-to-bottom checkup that includes: READ MORE >>

Just like with personal cars, any vehicles owned or operated by a business or its employees must be properly insured. For commercial purposes, it pays to have more coverage than necessary rather than not enough coverage. The costs of medical and legal fees associated with accidents can be large enough to wipe out a small business if not adequately covered. READ MORE >>

Many homes welcome visitors over the holiday season and things can get a little crowded. The influx of people can lead to a higher risk for danger and injury, particularly for young children and pets. Not to mention, Thanksgiving is the number one day on which cooking fires occur. READ MORE >>

Just like with car insurance, motorcycle insurance premiums are affected by many factors, causing policies to range from pocket change to over $1,000 per year. But what exactly is it that correlates to these costs? Let’s look at some of the factors that affect your motorcycle insurance rates: READ MORE >>

It’s one of life’s certainties: the summer will finally come to an end and the unsettled weather of fall and winter will arrive. This not only puts an end to fun in the great outdoors for millions of Americans; it makes driving conditions in many states a lot more difficult too. READ MORE >>

Nicholas Taleb’s book, “The Black Swan,” examines the impact of rare and extreme events. He suggests the solution for businesses is not to try and avoid these unpredictable events, but to develop robustness to ensure their survival. Many businesses do not account properly for these black swans. READ MORE >>

John from Ham Lake asked this great question. According to Lynn Blewett, a health economist with the University of Minnesota, health insurance first started out as catastrophic plan with high claims and not much preventative care. She said Medicare followed this model. READ MORE >>

Reviewing your homeowners policy may not rank high on our annual home-maintenance checklist. Yet following the five steps below will save you big bucks now and a lot of grief down the road. After the recent slew of natural disasters, average annual premiums are expected to surpass $1,000, with some owners likely to see double-digit rate hikes. READ MORE >>

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