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Insurance and Your Spring Projects

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Spring is almost here, and people all across Ashland, Wisconsin, are preparing to complete important projects in and around the home. To get ready for these projects, homeowners may attend home and garden shows, read magazines or visit local home improvement stores for inspiration. Although spring projects can increase the value of your home and make it a more enjoyable …

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Renting Your Home to Others

smeinders@fcisinsurance.comBusiness, Home, Personal Leave a Comment

Renting your home through a rental service like Airbnb or VRBO may be a way to make some extra money. However, it can also be a risky business. In fact, many insurance agents would warn their clients against using these rental services. However, if you decide to list your property on one of these services, you need to know whether insurance …

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How to Insure a Vacant, Unoccupied, or Seasonal Home

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Do you have a seasonal home, or are you planning on leaving your primary residence for an extended period of time? It’s wise to consider what these things might mean for your insurance status. Even though it’s not well-known, it’s a universal truth that insurance companies do not continue to insure homes that are left unoccupied or vacant. This is generally because …

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The Independent Insurance Agent

smeinders@fcisinsurance.comGeneral Insurance, Personal Leave a Comment

Researching various types of insurance and purchasing policies is not most people’s idea of a fun time. Still, insurance is serious business. And having the right policies remains one of the most important parts of protecting your family and your finances. When disaster strikes, you want to know that you’re covered. So how can you make the insurance process easier, …

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Driving at Night

smeinders@fcisinsurance.comCar, Personal Leave a Comment

When you’re driving around Bibon Swamp or Bad River Reservation at night, the roads can be dark and lonely. To some extent, this can be a peaceful drive as it’s just you and nature with hardly any other cars. But the darkness itself also creates a safety challenge. People simply don’t see as well in the dark. It’s common sense …

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Beware of Storm Chasers

smeinders@fcisinsurance.comHome, Personal Leave a Comment

The most important thing to do after a tornado or large thunderstorm event is to make sure your family is safe. Next, check for any immediate hazards and secure your home. Finally, make plans to assess and repair any damage. How to Recover After a Severe Storm Hits Your Neighborhood First thing’s first: If anyone is injured, contact medical assistance …

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Driving Without Insurance – Who Pays?

smeinders@fcisinsurance.comCar Leave a Comment

Has your insurance agent ever discussed uninsured motorist coverage with you? If you currently have the minimum required amount of auto insurance (for the state of Wisconsin), then it’s guaranteed you already uninsured motorist coverage or UM coverage. Though it is not required in all states, it is a requirement in Wisconsin. But what does UM coverage actually do? There are quite …

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Car Insurance for Food Delivery or Rideshare

smeinders@fcisinsurance.comBusiness, Car, Personal Leave a Comment

If you’re like most of us, you probably enjoy all the new convenient services that have hit the market over the last few years. Need a ride to the airport? Contact Uber or Lyft. No time for grocery shopping? There are Instacart and Shipt. Want a tasty lunch, but you have to work? Doordash, Grubhub, or your favorite local restaurant …

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How to Save Money on Workers’ Compensation Insurance

smeinders@fcisinsurance.comBusiness Leave a Comment

Do you have a plan in place to protect your employees if they are injured or fall ill following an accident on the job? Your business just wouldn’t work the same without your valuable team to help keep operations running smoothly, and workers’ comp insurance can help to keep them on board after an injury at work. But how can …

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Are You Receiving the Best Deal

smeinders@fcisinsurance.comGeneral Insurance Leave a Comment

It might seem to be a strange question coming from your insurance agent, but it is a fair one. Multi-Policy Discounts What we are referring to is taking advantage of standard discounts such as a multi-policy discount. A multi-policy discount is a discount given to policy-holders that have more than one policy with the same insurance company. We are sure …