Entries by kingsgateinsur

The Connection Between Life Stages And Life Insurance

Life insurance is one of those touchy topics. No one relishes thinking about their own death. And when you mix death and finances together in one conversation? Well, let’s just say that’s one chat most people would rather sidestep. And indeed, they do—sometimes for much longer than they should. Most financial advisors view life insurance as […]

9 Surprising Habits of Safe Drivers

What makes safe drivers stay safe on the road? The obvious answer is that these drivers obey the rules of the road—they stay within the speed limit, wear a seatbelt, don’t attempt to pass in no-passing zones, don’t drink and drive, and they turn off their phones. Of course, these practices are critical to staying […]

Winterizing your outside faucets and hoses and why it’s important

When the weather starts to cool down, it’s time to start preparing for winter. Important and easily forgettable jobs are draining and disconnecting your hoses and winterizing your outdoor faucets (hose bibs). Properly maintaining your outdoor faucets can prevent them from freezing. If your hose bibs were to freeze, it can cause damage to the pipe […]

Home Prices Are Not Home Values

The moves made by the Fed have poured icy water on the once scalding housing market, freezing prices or in some cases even lowering them. So that means your home is insured for the right amount and you can stop worrying, right? Sadly, no. Insurance deals with home value— otherwise known as reconstruction cost. And […]

Pasture, Rangeland and Forage

How do I recover from drought conditions on haying and grazing ground? This is a big question after a dry year. An optional remedy is Pasture, Rangeland, and Forage insurance (PRF), a policy that covers a lack of rain fall. Kingsgate’s Chelsea Heatherington sat down with Rain and Hail’s Adam Powers to answer PRF frequently […]

Home Care for the Common Cold and Flu

Many people visit the doctor even when they don’t need a doctor’s expertise to diagnose and treat their symptoms. The next time you or someone in your family has a cold or experiences flu-like symptoms (e.g., sore throat, runny nose, cough, dizziness, fever or muscle aches), it may be wise to try some home remedies […]

Remaining Insured After a Job Loss

Losing a job is traumatic enough without having to worry about replacing your insurance benefits. However, it’s important to know that your benefits can be salvaged, even if you aren’t hired by a new organization right away. Here are some affordable options to consider to ensure you maintain adequate coverage while you are unemployed. COBRA—Depending […]