How you can lower your Homeowner’s Insurance

As the years pass, the average price of many items can increase due to inflation. Your homeowner’s insurance is no different. In addition to the regular increase due to inflation, the cost to repair or replace your home also increases. Insurance companies must account for these rising costs, which in turn...

Home Safety: What you need to know

Accidents in the home is not a subject most of us dwell upon, but being prepared for potential hazards can make a world of difference. Here are some helpful home safety tips that can be easily implemented to help provide a secure environment and a safer home for you and...

Experience the Merriam Insurance Difference

Why should you choose Merriam Insurance? The answer is simple. Our dedicated and expert staff have been working with clients like you for over a century. During that time we have gained the knowledge necessary to ensure that you are properly protected for the best overall value. What can you...

Cyber Liability Insurance

After exhaustively discussing every aspect of their E&O coverage, most clients are not overly eager to hear about the “other” coverage recommended, in addition to E&O. The mindset seems to be that if a coverage is not required, then it is not a coverage a client should carry. Perhaps it is the additional expense or the time it takes to learn about something new. Perhaps the client still believes “that won’t happen to me”. Regardless, there may always be an

Teaching Your Teenager Safe Driving Habits

While driving home one evening last week, I found myself stopped in traffic behind a van with two hand-written signs taped to the back: “STUDENT DRIVER BEHIND THE WHEEL” and “THANK YOU FOR YOUR PATIENCE AND SYMPATHY.” I chuckled as I remembered learning to drive many years ago, and wondered...

The Value of an Independent Insurance Agent

There are several different types of insurance agents, divided between independent agents and captive agents, and divided into groups based on the type of insurance being sold. There is tremendous value brought to the consumer in the relationship with an independent insurance agent. Independent agents, like ourselves, represent a large group of companies. This allows us to provide the best rates and coverage available to all our clients. Upon reviewing