Golfing Liability This week Etler-Kettenacker posted a page regarding golfing liability.  The page includes a story based on an actual golfing liability civil case.  You can read the story at http://www.ekagency.com/liability/golfing.aspx.    Etler-Kettenacker Agency is always available to discuss with you in detail what your liability coverages include under your homeowner’s insurance.  In most cases your homeowner’s policy will cover your...

Saving 15% This week Etler-Kettenacker Agency has posted a story and the Jones family and the Smith family who both experienced a devastating tornado.  The Jones family chose not to switch insurance carriers thus not saving 15%.  The Smith family chose to switch to a new carrier and ended up saving 15%.  To find out what happened to each family read the story at http://www.ekagency.com/saving/15_percent.aspx.   If you have any questions regarding your homeowne...

As the weather cools, back porch grill outs become backyard gatherings round the fire pit. (Even for adults, nothing beats a warm fire and smore!) If you have a fire pit, or are considering adding one to your yard, here are 4 things to consider: 1. Permanent or Portable? If you want a more seasonal addition to your yard, youve got options. There are fire bowls that come in a variety of materials: copper or stainless steel bowls are usually lighter, but heavier cast iron bowls a...

If you have a student just starting college: congrats! As you take mental inventory of the many (expensive) supplies needed for this venture, you may be wondering about dorm insurance. Are dorm-dwelling college students insured? Weve got all the answers in todays blog. The short answer is: yes, your kids are probably covered, in some shape or form. But it depends on where your college student is living. If your kid is living in on campus housing (like a dorm), her belongings may be covered...

  Why do you need homeowners insurance? What if your home were destroyed in a storm, where would you go?  How would you replace your home, clothing, furniture? A homeowner’s policy will provide coverage on your dwelling (home), and personal property along with offer liability insurance if anyone were to be injured on your property or cause property damage.  If you have a loan on your home your lender will require you to have insurance; they want to make sure that their fi...