You've likely heard time and time again that your home is the biggest investment you'll ever make, and we'd have to agree. After all, we are in the business of insuring them. As a homeowner, you've surely come to realize that this investment comes with many extra costs, and they can fluctuate both in price and frequency, more than you'd probably like. Perhaps the most unpredictable of those extra costs is your home insurance premium, which can often increase from year to year.
In this day and age, it's so easy to just hop online to buy the everyday things we need, but imagine the emotional benefits you'd feel from contributing to someone's livelihood by shopping local. After all, these locals are just like you! They're brothers and sisters, aunts and uncles, cousins, neighbors, friends — all the people who, like you, make your community a wonderful place to live.
So, what exactly does it mean to shop local?
To fully support the shop local movement, you have to think local. "If Wal-Mart is five miles from my house, is that shopping local?" No, not really. The Shop Local Movement has grown in popularity over the years because it showcases how important it is to support the small, independent/family-owned businesses we tend to overlook due to chain stores, like the Wal-Marts and Targets of the world. While we have nothing against those stores (trust us, we enjoy a good Target trip every once in a while), we find it more rewarding and fun to shop locally. Here's why:
April showers bring May flowers, and hail - lots and lots of hail.
Midwesterners know all too well that when the weather changes during the spring and summer months, unpredictable storms pop up everywhere, and often times, they produce hail. While hailstorms vary in severity, they often cause noticeable damage to your home, vehicles, and other personal property. As property owners, it's important to understand the main factors that affect the type and degree of damage caused by a hailstorm:
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