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A professional contractor standing beside a service van shows a homeowner their certificate of insurance on a clipboard, demonstrating proof of coverage before starting a job.

Certificates of Insurance for Contractors: Why Homeowners and Clients Must Verify Proof of Coverage

A contractor provides a homeowner with proof of insurance, ensuring both parties are protected before any work begins — a key step in building trust and avoiding liability.

Gerald Burns

4 days ago4 min read

Spooky‑Season Safety: Preparing Your Home for Halloween and Beyond

Make your Halloween celebration safe and worry‑free. Clear and light your walkway, secure decorations and pets, and learn how homeowners insurance and smart gadgets can protect you—and even lower your premiums—throughout the season.

Gerald Burns

5 days ago4 min read

Small business owner reviewing a general liability insurance renewal document at a desk with coffee and laptop.

Why Your General Liability Premium Went Up — Even Without a Single Claim

Even if your business has a spotless record, your general liability premium can still rise. Learn how inflation, reinsurance, and industry-wide risk trends affect insurance pricing — and what you can do to keep your costs under control at renewal time.

Gerald Burns

6 days ago4 min read

Front yard of a house decorated for Halloween at night, glowing orange pathway lights and jack-o’-lanterns leading to the porch, showing safe lighting for trick-or-treaters.

🎃 The Night Everything Nearly Went Wrong — and the Gear That Could’ve Saved It

Halloween safety doesn’t have to be scary. See how one chaotic night turned into a lesson on home protection with five simple must-haves — surge protector, outdoor lighting, pet gate, stair treads, and a security camera — that keep your home and insurance record safe from spooky surprises.

Gerald Burns

Oct 195 min read

Unfinished kitchen with cabinets and tools left behind after a contractor abandoned a home renovation project, illustrating the importance of contractor insurance certificates.

The Vanishing Contractor — and the Lesson Hidden in My Half-Finished Kitchen

A true story of trust gone wrong — and what one homeowner learned after a contractor vanished mid-renovation. Discover why asking for contractor insurance certificates can save your wallet and your peace of mind.

Gerald Burns

Oct 194 min read

Car parked on a dark foggy road with hazard lights on and six amber LED roadside flares glowing in a line behind it — night roadside emergency scene.

5 Things in My Car That Saved Me from a Night of Horror

A quiet foggy night turned into a roadside lesson in preparedness. When a deer darted across my path, five essentials from my roadside emergency kit — and a bit of luck — turned a horror-night breakdown into a safe ride home.

Gerald Burns

Oct 194 min read

Close-up of a car with winter tires driving through fresh snow on a cold road

Winter Tire Guide: How the Right Tires Can Lower Your Auto Insurance Risk

Winter tires aren’t just safer — they’re smarter. Learn how the right set can prevent accidents, protect your premiums, and keep you confidently on the road this winter.

Gerald Burns

Oct 174 min read

Snow-covered home with smart security camera and video doorbell on the front porch, showing winter home safety upgrades that help lower insurance premiums.

Home Safety Upgrades That Can Lower Your Premium This Year

Home safety upgrades aren’t just about protection — they can save you money. Discover how smart security systems, leak sensors, and backup power devices reduce risks, prevent costly claims, and qualify homeowners across the U.S. for lower insurance premiums.

Gerald Burns

Oct 165 min read

Workers shoveling snow and clearing ice outside a modern office building during winter to prevent slip hazards.

Winter Safety Checklist for Retail and Office Buildings

Keep your retail or office building safe this winter with a smart, practical checklist. Learn how to prevent slips, leaks, and frozen pipes — plus see how Govee smart sensors help stop damage before it starts.

Gerald Burns

Oct 165 min read

renters-insurance-smart-protection-camera

Smart Protection for Renters: Why Insurance Alone Isn’t Enough This Winter

Renters face real risks year-round — from frozen pipes to package theft. Learn how pairing renters insurance with smart security like Blink Wireless Cameras keeps your home protected before, during, and after a loss.

Gerald Burns

Oct 133 min read

Certificate of Insurance document on a construction site table with a yellow hard hat and buildings under construction in the background.

Why Every Contractor Needs a Certificate of Insurance Ready to Go

Every contractor needs a Certificate of Insurance (COI) ready before any project begins. Learn how staying organized — and using tools like HoneyBook — helps you win more bids, stay compliant, and simplify insurance audits.

Gerald Burns

Oct 124 min read

Icicles hanging from a roof edge of a Minnesota home in winter, showing snow buildup and frozen gutters during a cold sunset.

Minnesota Homeowners Insurance Winter Coverage Review: Why It’s Smart to Check Before the Cold Hits

Winter in Minnesota can be brutal on homes—and your insurance. Learn why reviewing your homeowners policy before the deep freeze can save you money, prevent claim headaches, and keep your coverage airtight through snow, ice, and subzero temps.

Gerald Burns

Oct 115 min read

Small business owner driving a commercial vehicle on a snowy Minnesota highway

How Small Businesses Can Unlock Commercial Auto Insurance Savings Without Cutting Coverage

Small business owners can reduce commercial auto insurance costs without losing protection. Learn proven ways to save money while keeping full coverage on your vehicles.

Gerald Burns

Oct 114 min read

Minnesota driver reviewing auto insurance paperwork outside his car on a sunny day

How to Unlock Auto Insurance Savings in Minnesota (and a Short Class That Helps)

Accidents rarely happen when you expect them. Learn how Minnesota drivers can unlock auto insurance savings through smart policy choices and a short safety class.

Gerald Burns

Oct 104 min read