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CW Rea Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Landscape Maintenance Tips for Your Yard

You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Avoiding Water Issues in Your Home

Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Why a basic Homeowners policy isn’t always enough

Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Commonly Overlooked Spring Cleaning Tasks

Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Upgrading Your Windows - How to Choose What's Best for Your House

You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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How to Evaluate and Choose Energy-Efficient Appliances

Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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How to Make a Fire Safety Plan

No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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How to Choose Smoke and Carbon Monoxide Detectors

Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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How to Decide If Solar Panels Are Right for Your Home

Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Don’t Delay — Start Thinking About Winterizing Your RV Today

Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Inexpensive Fixes for a Safer Home

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Tips for Power Tool Safety

What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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Own a home? Here are two policy options you should know about

If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Porch Safety: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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I Just Bought a New Car. What Insurance Coverage Do I Need?

Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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10 Things to do to Prepare Your Home for Fall

Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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What is water backup coverage and why is it important?

Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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Keep Your Pets Safe in a Disaster

A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Why You Need Service Line Coverage

Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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What to Consider When Choosing Auto Insurance

Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Five Tips to (Finally) Get your Garage Organized

There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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How to Protect Your Classic Car

The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Why You Might Want to Live Like a Minimalist

Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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When Roadside Assistance Isn’t Enough

If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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How to Make Your Family Vacation a Great One

Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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Keep Pets Happy and Safe on Vacation

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.According to the U.S. Centers for...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Teen Driving Safety

Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone.Even still,...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more.When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Holiday Safety Tips for Your Four-Legged Friends

Our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let regular...

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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Celebrate National Night Out With Your Neighbors

In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you're ready to get out on the water. But is your boat ready? Even if you've kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Spring Into Home Maintenance Mode in Missouri

Spring is a time for rejuvenation, and, as the weather gets warmer here in St. Louis, Missouri, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing...

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How to Create Your First Garden This Spring

Here are some important tips from the Oregon State University (OSU) Extension Service, which, like similar services around the country, provides helpful community resources on agriculture and other topics. Pick the...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Missouri, it may be a good time of the year to provide...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Computer Fraud and Cyber Liability: What's the Difference?

Remove the words 'computer' and 'cyber' and you're left with two familiar terms: fraud and liability. Computer fraud, data breach, data theft, hacking, phishing, and the rest of the wide world of electronic-based crime...

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Insurable Losses in Twin Peaks

To celebrate today's news, let's look at some of the insurable and unisurable losses sustained 25 years ago in Twin Peaks*: 1. Packard's Mill Fire: there's a lot going on here. If the arson investigation determined that...

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5 Tips for Organizing Your Home for the New School Year

Yes, the school year has started. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's what they need at home too....

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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A Little Extra Caution Can Go a Long Way While Driving at Night

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At CW Rea, we know you want to protect what's important. That's why we're offering these tips to help you...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At CW...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. If you are gearing up to travel and have pets at home, you're probably considering their holiday options: perhaps a dog sitter, cat...

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The Weather Outside? Frightful.

And a (managed, intentional, well-controlled, safe) fire would be delightful, but many of us need to be out and about regardless of what falls from the sky so remember this as the sleet and ice descend: Allow extra time....

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A Thought for General Contractors

A recent article in Risk & Insurance Magazine highlighted various insurance carriers' approach to recouping losses from catastrophe, and that made me think about errors & ommissions coverage for general...

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Time to talk about your wind/hail deductible.

The entire Midwest experienced high wind this weekend, and today our thoughts are with those who suffered through tornadoes. That said, we've met homeowners who don't know the difference between a percentage and flat...

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First Snow!

The weather forecast calls for the possibility of snow tonight, so we thought we'd remind you when you're driving tonight to be careful, slow down, and check to see if your auto policy has roadside assistance coverage --...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Missouri. Football brings with it a whole host of seasonal activities...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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A Minister Serves as an Example of Temporary Total Disability

This is from Risk & Insurance magazine (an office favorite), and immediately caught our attention considering our affiliation with the Insurance Board. A claims adjuster describes having to investigate a minister...

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Back to School Safety Reminders

The end of summer in Missouri means many things, such as cooler weather, shorter days and ... the start of football! But most important, it means kids are headed back to school. And that means we all should be extra...

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A Great Primer for Homeowners

We've been passing this article from the National Association of Homebuilders around the office this morning -- it's a clear, jargon-free introduction to homeowners coverage that spells out what you have, what you...

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Mysterious Disappearance

Mysterious disappearance is, simply, when property disappears without explanation. You can't find your watch. Nothing else is missing, but the watch you leave on your dresser is most certainly gone. That's mysterious...

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Burglary and Robbery

When my friend saw me he said he couldn't believe he was robbed. Robbed, I said. Wow, are you OK? Yeah, I'm fine, he said. I wasn't home at the time. Oh, so you were burglarized, I said. That's what the detective said!...

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Flood Insurance - What You Should Know

You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At CW Rea we want you to be educated about...

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Paperless Proof of Car Insurance Starts August 28!

After August 28th, when you need to show proof of car insurance all you'll need is your phone -- with the passing of Missouri House Bill 322, electronic documents are allowable in place of paper documents. Your proof of...

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When Things go BOOM in the Night - Fireworks Safety

For most of us, the Fourth of July is a time to enjoy the company of family and friends, to have fun and create memories - whether at home or away. But for some families, the holiday can spin out of control. Each year,...

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Do You Own a Classic Car of the Future?

There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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A Time to Celebrate Mothers

As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At CW Rea, we thought it would be fun to give you a little of the...

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