Decluttering Your Insurance Closet

In my household, “spring cleaning” isn’t necessarily limited to springtime. It happens whenever my wife and I come to realize we need to downsize, reorganize or reinvigorate the general atmosphere of our home. During these times, my wife will often put me on closet...

Frost Quake! (“Oh, cryoseism me a river!”)

Have you ever experienced a frost quake? Also, have you ever heard of a frost quake? You may have experienced it but didn’t even know what it was. A frost quake – more technically referred to as a cryoseism – is a geological phenomenon whereby water seeps down...

Horihan For the Holidays

Doesn’t it seem like after Halloween things start swirling into an infinitely busier vortex of activity that does not let up until New Year’s Day? You just got done with making your house look all spooky, and you’ve taken the skeletons and put them back in the closet,...

Food Spoilage Insurance: When Lighting, Or Whatever That Was, Strikes.

A few weeks ago, in the middle of the night, my wife and I heard a loud boom outside our window accompanied by a flash of light. I’m not entirely clear on what happened out there, but in our home, the power went out. We’ve had power outages before which generally did...

The Insurance Dilemma of a College Freshman

As you’re reading this, you’re probably just starting your summer. Your high school graduate probably hasn’t even had their graduation party yet. As exciting as going away to college can be, surely it is the last thing you want to think about right...

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Is It Time To Get The Boat Out Yet?

Some of your fondest memories of summers past might be of outings on the river on your family’s boat. Most of these memories are probably from childhood when you were just a passenger on the boat. All of the responsibility was someone else’s. It’s a...

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