Important details about Home Insurance

Home Insurance and Important Details about Your Home Insurance

Shield Insurance Blog | Home Insurance | Start A Quote Today!

Home insurance is a type of insurance that provides financial protection for homeowners and their property. It is designed to cover the costs of repairing or replacing a home and its contents in the event of damage or loss caused by various perils. Home insurance also provides liability coverage, which protects homeowners in the event that someone is injured on their property and files a lawsuit.

Types of Home Insurance

There are several types of home insurance policies available, each offering different levels of coverage. The most common types of home insurance policies include:

  • Homeowners’ Insurance: This type of insurance is designed for homeowners who live in their own homes. It provides coverage for the structure of the home, as well as personal property and liability protection.
  • Condos/Strata Insurance: This type of insurance is specifically designed for condominium owners. It provides coverage for the interior of the unit, personal property, and liability protection.
  • Tenant/Renter’s Insurance: This type of insurance is for individuals who rent their homes. It provides coverage for personal property and liability protection but does not cover the structure of the home.
  • Seasonal/Secondary Residences: This type of insurance is for homes that are not occupied year-round, such as vacation homes or second homes. It provides coverage for the structure of the home, personal property, and liability protection.
  • Heritage Homes: This type of insurance is for homes that are designated as heritage properties. It provides coverage for the unique features and historical value of the home, as well as personal property and liability protection.
  • Short-Term Rentals: This type of insurance is for homeowners who rent out their homes on a short-term basis, such as through platforms like Airbnb. It provides coverage for the structure of the home, personal property, and liability protection.

Levels of Home Insurance Coverage

Within each type of home insurance policy, there are different levels of coverage available. The levels of coverage determine the amount of protection provided and the cost of the insurance premium. The most common levels of home insurance coverage include:

  • Basic Coverage: This level of coverage provides protection for the structure of the home and limited coverage for personal property and liability.
  • Broad Coverage: This level of coverage provides more comprehensive protection for the structure of the home, personal property, and liability.
  • Comprehensive Coverage: This level of coverage provides the highest level of protection for the structure of the home, personal property, and liability. It typically includes additional coverage for perils such as water damage, earthquakes, and sewer backups.

Understanding the Perils of Home Insurance

Perils are events or circumstances that can cause damage or loss to a home or its contents. Common perils covered by home insurance include fire, theft, vandalism, and natural disasters such as hurricanes or tornadoes. It is important to review the specific perils covered by a home insurance policy to ensure that it provides adequate protection for your needs.

Personal Property Coverage

Personal property coverage is a key component of home insurance. It provides protection for the contents of a home, such as furniture, appliances, electronics, and clothing. In the event of damage or loss, personal property coverage will reimburse homeowners for the cost of repairing or replacing their belongings.

Personal Liability Coverage

Personal liability coverage is another important aspect of home insurance. It provides protection in the event that someone is injured on your property and files a lawsuit. Personal liability coverage will cover the cost of legal fees, medical expenses, and any damages awarded to the injured party.

Shield Insurance Agency

When it comes to choosing the right home insurance policy, it is important to work with a reputable insurance agency. Shield Insurance Agency represents over 40 insurance companies, ensuring that they can find the best coverage options for their clients. Whether you are a homeowner, condo owner, renter, or have a seasonal residence, Shield Insurance Agency can help you find the right policy to protect your home and family.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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Insects That Live In Your House

Insects That Live In Your House

Reliant Pest Control | BY TREY CLAWSON | October 19, 2022 | Insects | Home Insurance | Start A Quote!

The Roommates You Never Knew About (A Deep Dive Into The Insects That Live In Your House)

Unless you’re an entomologist, the thought of sharing your home with insects might not be a pleasant one. But the truth is, there are probably more insects living in your house right now than you realize. 

In fact, the average home has more than 100 different types of bugs living in it!

So, let’s take a closer look at some of the most common insects you’ll find in your home so you can take pest control steps to get rid of them once and for all. 

Bedroom Hiding Spots for Insects

From the cracks in your floorboards to the gaps between your furniture, there are countless hiding spots for bugs to take refuge in your bedroom. Plus, bedrooms are often full of dust, which provides a food source for many types of insects. And finally, most bedrooms are located near other rooms in the house (such as the kitchen or bathroom), making it easy for pests to travel from one room to another.

Bathroom

The bathroom is one of the most commonly used rooms in any home, and it’s also one of the most likely places to find pests. From ants and cockroaches to spiders and silverfish, a variety of creatures are drawn to the humid, dark environments found in bathrooms. In many cases, these pests are simply looking for a source of water or shelter. However, they can also be attracted by the food left behind on counters and in sinks. 

Common Areas

Your living room is a gathering place for your family and friends. It’s also a common gathering place for bugs. Why are there so many bugs in your living room? There are a few reasons. 

First, your living room is usually one of the warmest rooms in your house. Bugs are attracted to warmth. Second, there are usually lots of food and water sources in your living room. Third, there are usually lots of hiding places in your living room. 

Finally, your living room is usually full of people coming and going. Bugs can hitch a ride into your living room on clothing or shoes.

Click here for the full story and some great graphics… |


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Delivery Man Saves Elderly Woman Stuck in Window

Stuck In Window For 5 Hours Delivery Man Saves Elderly Woman

FOX 13 Tampa Bay | June 29, 2023 | Stuck In Window | Home Insurance | Start A Quote!

A newspaper delivery man has become a local hero after he rescued a 78-year-old woman who had been stuck in a window for five agonizing hours.

The story unfolded when the woman, identified as Nancy Reyburn, found herself trapped in a precarious situation as she attempted to break into her own home through a window after she had locked herself out. In her desperate efforts to get inside, she became stuck.

“Because of surgery, I had with two hip replacements, I can’t get past mid-part of my leg,” Reyburn told Fox 13. “I’m reaching around the more moving I did, the worse I felt.”

Stuck In Window For 5 Hours

She was stuck in the window for five hours. No one could hear her and hope was running out.

“I was asking God, ‘please this is not the way I want to be found’,” Reyburn recalled.

And just when it seemed that all hope was lost, out of the corner of her eye, she saw the blinking orange light on top of Jose Sanchez’s car.

Sanchez said he was on his normal paper route early Tuesday morning when he heard screaming and saw Reyburn stuck in the window.

“How I screamed, I have no idea,” she said.

Sanchez stuck by her and called 911, and help was finally on the way. Some are calling him the neighborhood guardian angel.

“I’m touched, because I care for these people in this park, they’re like my family, and they’re retired, and I try to watch out for them,” Sanchez said.

“Yes, I do believe in angels and people are put in a place for that time and that night, morning was my time to be helped by Jose,” Reyburn added.

Watch the good news video below.


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‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

GoodNewsNetwork.org | May 27, 2023 | Adoption | All Insurances | Start A Quote Today!

An American nonprofit is celebrating a huge milestone after helping to unite three brothers at risk of separation—into a new forever family.

The Illinois-based Gift of Adoption Fund has facilitated the placement of 5,000 children since its founding 26 years ago—with over $15 million in grants awarded.

They provide grants of up to $15,000 to help families complete adoptions of kids in vulnerable circumstances—including, most recently, three brothers born in Ecuador.

Gift of Adoption Milestone

“Gift of Adoption is elated to mark this milestone by helping to keep together three siblings at risk of separation,” said Gift of Adoption CEO Pam Devereux. “We’re incredibly grateful to our donors, volunteers and the families with a heart for adoption – we all reached this milestone together.”

Eleven-year-old Josue is the 5,000th child whose adoption was completed with assistance from the nonprofit. He was adopted along with biological brothers Darwin, 9, and Abraham, 6. The siblings were in an orphanage in Ecuador for five years—and at risk of separation—before Nicole and David gave them a new forever family in Wisconsin.

The couple had always sought to adopt older siblings, knowing how much it means to grow up together in the bonds of family—and the negative life outcomes that often await children who age-out of orphanages.

International Sibling Adoptions

“Although international sibling adoptions can be complex and expensive, once we saw their faces, we knew we would make it work in any way we could,” Nicole said. “We are so happy that we can provide a permanent home for these brothers, and they can now grow up together in a stable environment.”

While a reported one-third of Americans have considered adoption, fewer than 4% complete the process- with many citing the high expense as a barrier. Gift of Adoption prioritizes grants for children facing what might be their only chance at adoption, such as those at risk of separation from siblings, entering foster care, aging out of a care system or with medical needs.

Read more about International Adoption


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Lynde Point Lighthouse

U.S. Is Giving Away Lighthouses for Free to Preserve Them As Historic Landmarks

Goodnews Network | Lighthouses | Home Insurance | Start A Quote Today!

A unique opportunity for a fixer-upper is coming by way of the US General Services Administration (GSA)—6 historic American lighthouses.

Going up this year via public auction, the federal government has a unique way of ensuring lighthouses retain their historic status which can even involve auctioning them off to private citizens with an affection for the now-obsolete structures.

Lighthouses are beautiful, attractive pieces of seaside scenery, although perhaps it’s a tad difficult to explain exactly why it’s almost impossible to find someone not moved by the sight of one.

Lighthouses for Conservation

The US has hundreds of lighthouses that once ensured sailors could safely come into the harbor but are now derelict since the invention of GPS technology. The GSA routinely sells off lighthouses to nonprofits interested in conservation, state and local governments, educational agencies, and even federal ones.

However if no buyers come up, the GSA will auction them off to the public at prices ranging from $10,000 to nearly $1 million, reports NPR.

Since the National Historic Lighthouse Preservation Act was passed in 2000 more than 150 lighthouses have been sold or handed over to various organizations. This includes 81 that are now owned by government agencies and nonprofits and another 70 that have been sold to the public.

“Costs for the upkeep of lighthouses are relative to what the new owner plans to do,” the GSA states in a notice of the May 2023 “Lighthouse season”

“A total restoration could be thousands of dollars while a simple cleaning is much less. New owners should expect to have to paint, clean, and possibly restore broken or missing items. Most lighthouses do not have any utilities, so there would be a cost associated with making the lighthouse livable.”

This year, 6 lighthouses are being placed on Notice of Availability, and 4 are going direct to public auction. Should any of the 6 not find owners, they too will be sold to the citizenry.

These include the Lynde Point Lighthouse, Old Saybrook, Connecticut; Nobska Lighthouse, Falmouth (Woods Hole), Massachusetts; Plymouth/Gurnet Lighthouse, Plymouth, Massachusetts; Warwick Neck Light, Warwick, Rhode Island; Little Mark Island and Monument, Harpswell, Maine; and Erie Harbor North Pier Lighthouse, Erie, Pennsylvania.

Read more about this unusual real estate opportunity…


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Traces of Sisterhood POLAND & UKRAINE | 2022

The Red Dress

The Red Dress | BY KIRSTIE MACLEOD | Apr 15, 2023 | Red Dress | Home Insurance | Start A Quote Today!

Shield Insurance Blog | Red Dress | Home Insurance | Start A Quote Today! |

375 Embroiderers
51 COUNTRIES
1 DRESS

A 14-year, award-winning global, collaborative embroidery project from 2009 to 2023

The Red Dress project, conceived by British artist Kirstie Macleod, provides an artistic platform for women around the world, many of whom are vulnerable and live in poverty, to tell their personal stories through embroidery.

From 2009 to 2023, pieces of the Red Dress traveled the globe being continuously embroidered. Constructed out of 85 pieces of burgundy silk dupion, the garment has been worked on by 366 women/girls, 7 men/boys, and 2 non-binary artists from 51 countries. All 140 commissioned embroiderers were paid for their work and received a portion of all ongoing exhibition fees, merchandise, and the opportunity to sell their work through the Red Dress Etsy shop. The rest of the embroidery was added by a willing audience at various exhibitions & events.

Embroiderers of the Red Dress

Embroiderers include female refugees from Palestine, Syria, and Ukraine, women seeking asylum in the UK from Iran, Iraq, China, Nigeria, and Namibia, survivors of war in Kosovo, Bosnia & Herzegovina, Rwanda, and DR Congo; impoverished women in South Africa, Mexico, and Egypt; individuals in Kenya, Japan, Turkey, Jamaica, Sweden, Peru, Czech Republic, Dubai, Afghanistan, Australia, Argentina, Germany, Switzerland, Canada, Tobago, Vietnam, Estonia, USA, Russia, Pakistan, Wales, Colombia and England, students from Montenegro, Brazil, Malta, Singapore, Eritrea, Norway, Poland, Finland, Ireland, Romania, and Hong Kong as well as upmarket embroidery studios in India and Saudi Arabia.

Initially, the project sought to generate a dialogue of identity through embroidery, uniting people around the world without borders. However, over the 14 years, the dress has also become a platform for self-expression and an opportunity for voices to be amplified and heard.

Many of the embroiderers are established professionals, but there are also pieces created by first-time embroiderers. The artists were encouraged to create a work that expressed their own identities whilst adding their own cultural and traditional experiences. Some used specific styles of embroidery practiced for hundreds of years within their family, village, or town whilst others chose simple stitches to convey powerful events from their past. Some of the women are rebuilding their lives with the help of embroidery, by using their skills or being trained in embroidery to earn a decent and consistent living.

The Red Dress Exhibitions

The Red Dress has been exhibited in various galleries and museums worldwide, including Gallery Maeght in Paris, Art Dubai, Museo Des Arte Popular in Mexico City, the National Library of Kosovo, National Waterfront Museum in Wales, Fashion and Textile Museum, in London, an event at the Royal Academy in London, and the Premio Valcellina Textiles award in Maniago, Italy where it won first prize in 2015.

The Red Dress’s 14-year creation journey around the world is now just about completed with the garment assembled in its final configuration. Covered in millions of stitches, the 6.8 kg. silk Red Dress is weighted as much by the individual stories and collective voices waiting to be heard as by the threads and beads that adorn it.

Moving forward, as well as continuing to develop a strong online platform the Red Dress will be traveling to many different galleries, museums, and event spaces around the world – with a continued aim to be accessible to all. Kirstie hopes to bring the garment to visit the countries of all commissioned embroiderers and exhibit the Red Dress alongside their own work in their chosen venue.

Practical and logistical support with commissions for the project was provided by the following charities, self-help development projects, social enterprises, and various initiatives providing support to women in poverty: Manchester Aid for Kosovo supporting Sister Stitch in Kosovo; Kisany in Rwanda and DR Congo; Missibaba in South Africa; Kitzen in Mexico; Al Badia in Lebanon supporting Palestinian refugees; FanSina in Egypt; the Swansea Women’s Asylum & Refugee Support Group, Wales and the War Childhood Museum in Bosnia & Herzegovina. Seed investment for the project was provided by the British Council Dubai in 2009 and subsequent funding has been received by the Arts Council Lottery Fund & the British Embassy in Pristina, Kosovo.

Click here for the full story


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Father’s Day 2023 is Sun, Jun 18

Love your Daddy! This Sun, Jun 18, 2023, is Father’s Day!

HISTORY.COM | MAY 15, 2023 | Father’s Day | Recreational Insurance | Start a Quote Today!

The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972—58 years after President Woodrow Wilson made Mother’s Day official—that the day honoring fathers became a nationwide holiday in the United States. Father’s Day 2023 will occur on Sunday, June 18.

Mother’s Day: Inspiration for Father’s Day

The “Mother’s Day” we celebrate today has its origins in the peace-and-reconciliation campaigns of the post-Civil War era. During the 1860s, at the urging of activist Ann Reeves Jarvis, one divided West Virginia town celebrated “Mother’s Work Days” which brought together the mothers of Confederate and Union soldiers.

Did you know? There are more than 70 million fathers in the United States.

However, Mother’s Day did not become a commercial holiday until 1908, when–inspired by Jarvis’s daughter, Anna Jarvis, who wanted to honor her own mother by making Mother’s Day a national holiday–the John Wanamaker department store in Philadelphia sponsored a service dedicated to mothers in its auditorium.

Thanks in large part to this association with retailers, who saw great potential for profit in the holiday, Mother’s Day caught on right away. In 1909, 45 states observed the day, and in 1914, President Woodrow Wilson approved a resolution that made the second Sunday in May a holiday in honor of “that tender, gentle army, the mothers of America.”

FEATURED

Why the Founder of Mother’s Day Turned Against It

Anna Jarvis, who founded Mother’s Day in 1908, passionately opposed its growing commercialization and eventually campaigned against the holiday.

Origins of Father’s Day

The campaign to celebrate the nation’s fathers did not meet with the same enthusiasm–perhaps because, as one florist explained, “fathers haven’t the same sentimental appeal that mothers have.”

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honor of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday.

The next year, a Spokane, Washington, woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first statewide Father’s Day on June 19, 1910.

Slowly, the holiday spread. In 1916, President Wilson honored the day by using telegraph signals to unfurl a flag in Spokane when he pressed a button in Washington, D.C. In 1924, President Calvin Coolidge urged state governments to observe Father’s Day.

Today, the day honoring fathers is celebrated in the United States on the third Sunday of June: Father’s Day 2021 occurs on June 20.

In other countries–especially in Europe and Latin America–fathers are honored on St. Joseph’s Day, a traditional Catholic holiday that falls on March 19.

Click here to enjoy a fascinating video of several Founding Fathers


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From The Dumpster

Beautiful Heirlooms & The Dumpster

TheDailyGood.org | BY MEREDITH SABINI | May 27, 2023 |The Dumpster | Home Insurance | Start A Quote

“We can’t use these. They look like heirlooms!” Gina, a guest at my holiday gathering, holds up one of the elaborately embroidered napkins from the buffet table I got out of the dumpster. “Where’d you get them?”

“Out of the dumpster. The tablecloth and those candleholders were in there, too.”

“You can’t be serious! Why would they be in a dumpster?” The shock in her voice carried across the room, and others looked up.

It’s common that women ask where something came from, especially if it’s an attractive article of clothing or new addition to the house. But to name a dumpster as the source of anything, especially an object of beauty, is completely unexpected.

My explanation created an atmosphere of mystery. The tale was so unlikely that later my friends joked that perhaps I’d dreamed it.

The red napkin, tablecloth, and candlesticks all belonged to Mrs. Cybulski (not her real name), a widow who had lived down the street as long as I’d been in the neighborhood, about twenty years.

Except to water her yard, she didn’t go out much. And when she did, she stayed near the house, as if the tether fastening her to life had retracted, pulling her toward an eternal home.

One day, I noticed a full-size dumpster in front of her bungalow. I assumed it was for yard debris or trash from some renovation project. But soon strangers appeared. On my daily walk, I could see them scurrying around the property. A boy about twelve sat on the porch, looking morose. His expression evoked a twinge of anxiety in me that perhaps Mrs. Cy had died.

I called over haltingly, “Is she gone?” 

“Yeah, she passed.” It was hard to tell whether he was upset at losing kin or just sulky at having to help with an unpleasant task.

Through the large plate glass window I could see a woman balancing stemware between her fingers. A man about forty emerged from the back door, his arms piled high with what appeared to be bedding. I waited nearby to see if he was really going to deposit it in the dumpster.

Reluctant to intrude yet curious, I introduced myself. “Hi, I’m Meredith, a neighbor down the street. Sorry to hear about Mrs. Cybulski. Was she your grandmother?”

“Great aunt. Ninety-one. Had a good life,” he said and proceeded towards the dumpster, our conversation apparently over. He placed the neatly folded sheets and blankets down carefully as if this were now the room in which they would be kept. I’d seen dumpsters full of discards of all kinds, but never one like this packed like a trunk for an ocean voyage.

I stood fixed on the spot, bewildered by the odd juxtaposition of sudden death and business-like calm. The nephew soon appeared with the next batch, which he stacked on top of the previous one in the same perfunctory manner. Considering his lack of feeling, I figured I could peer into the dumpster without offending anyone. A wooden daybed, surrounded by perfectly decent household items, was pushed up against one side as if, at any moment, someone was going to recline there with a book for an afternoon read.

I dislike seeing things go to waste and the daybed was just the ticket for my guestroom; the old upholstery could easily be replaced. But asking to save something from the newly departed seemed crude. Was this merely social propriety, or a primordial instinct out of which taboos arise? If the nephew wasn’t especially grieved by his aunt’s death, perhaps he wouldn’t be upset by my request to salvage a motley piece of furniture. Hesitantly, I ventured, “I wonder if I could offer to purchase that daybed from you if you’re planning to get rid of it?”

The Dumpster

“No, but take it. You can have it.” He marched past me without looking, without missing a beat. And I walked inside my first dumpster.

I’ve been to archaeological sites, and know the sun-bleached whiteness of bone, and the tea-colored stains left by the earth. Here, no layers of soil obscured the find. To get to the daybed, I had only to move the piles of bedding. Her hall closet must now be empty, for here were ironed sheets, blankets, table linen, and the kind of embroidered and crocheted cloths that are found in old women’s attics. When I saw these, my own mourning resumed.

Evenings at my grandmother’s had been spent with the two of us huddled together on the divan, working needles of colored thread through squares of muslin, as she taught me how to give shape to the birds and flowers we ironed onto future kitchen towels. The few I have left are like gold to me. My grandmother and Mrs. Cy were of the same generation.

When our grandparents died, my brother and I had to deal with their belongings. It was the late ’70s, a time when the perennial battle between spirit and matter was once again inflamed. Caving into the pressure not to be attached to things or hold onto the past, we gave away too much and sold the rest for a song. Objects imbued with our ancestors’ mana slipped through our fingers, going to strangers who cared not for their spirit but only their matter.

Into the dumpster were going similar artifacts of a lifetime. I didn’t know Mrs. Cy well but this desecration had to stop. I had recently taken a religious vow of voluntary simplicity and was deeply committed to reducing my over-consumption by keeping existing goods in circulation and tending them with care. I could not stand by and watch while usable things went to molder in a landfill. The nephew was headed in my direction with another load and I decided to press my luck.

“Are these linens and bedding going too? I would be glad to give you something for them as well.” I pointed to a stack at the foot of the daybed.

“Oh, I guess you can have them. But I would make sure they get laundered.”

Was it her death that contaminated them, or her life? Trying not to sound snide, I assured him I would wash everything, and began stacking the linens atop the daybed. Among them was an old-fashioned lace coverlet, a fine damask tablecloth with a dozen matching napkins in their original box, and pure cotton sheets with laundry tags at the corners. Laundering did not seem to be the issue.

Click here to read the full story at the DailyGood.org


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These Breeds Were Named ‘America’s Most Spoiled Dogs’ in a New Poll

These Breeds Were Named ‘America’s Most Spoiled Dogs’ in a New Poll

Good News Network | May 14, 2023 | Spoiled Dogs | Pet Insurance | Start A Quote Today!

Do you own an Australian Shepard, Border Collie, or Corgi? According to a new poll, you might just own America’s most spoiled dog.

A full sixty percent of the 2,000 dog owners surveyed swear that they own the “world’s most spoiled dog”. One common link: two-thirds of them are talking about a herding dog, like the three named above.

2nd Most Spoiled Dogs

Non-sporting dogs like Bulldogs, Boston Terriers, and Shiba Inus came in second place for the nation’s most luxuriated breeds, earning 64% of the vote. In third place, 59% are terrier breeds like Russell terriers, Scottish Terriers, and Staffordshire Terriers.

Similarly, 79% of herding dog owners claimed their dogs live like royalty at home. An overwhelming majority (96%) said they spoil their pets in a wide variety of ways and 37% treat their dogs so well, they’d take the chance to switch bodies with their pups for a day if they could.

When asked what they would do for that day, respondents said they’d play all day long (47%), sleep in until noon (42%), and sleep where they usually wouldn’t be allowed to (37%).

People’s penchant for giving their dogs a life of luxury can be explained by four in five who treat and talk to their dogs as if they were humans. Many speak to them as if they were children (32%), and others speak as if they were babies or adults (18% for each). Many dogs get treated to meals being prepared by hand in the kitchen.

Commissioned by Solid Gold and conducted by OnePoll, the random double-opt-in survey found two-thirds of terrier owners love giving their dogs extra treats throughout the day, while 29% of toy breed owners love to serve their pups the finest bottled or filtered water in their bowl.

A third of women (32%) admit they likely treat their dogs more luxuriously than themselves, and another third treat them better than their kids and significant others (16%).

Read more about Spoiled dogs…


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Homeowners Insurance: Protecting Your Home and Family

Homeowners Insurance: Protecting Your Home and Family

Shield Insurance Agency Blog | Homeowners Insurance | Start a quote today!

As a homeowner, you know that your home is one of your most valuable assets. It’s where you
and your family live, where you create memories, and where you feel safe and secure. But what
happens if something unexpected happens, like a fire, theft, or natural disaster? That’s where
home insurance comes in.

Home insurance, also known as hazard insurance, is a type of insurance that protects your
home and personal property from damage or loss. It can also provide liability coverage if
someone is injured on your property. But with so many options out there, how do you choose
the right home insurance policy for you and your family?

Affordable Homeowners Insurance

One of the most important factors to consider when choosing a home insurance policy is
affordability. You want to make sure that you’re getting the coverage you need at a price you can
afford. That’s why it’s important to shop around and compare quotes from different insurance
companies.

At Shield Insurance Agency, we understand that affordability is a top priority for homeowners.
That’s why we offer a variety of home insurance options to fit your budget. We also offer bundle
home and auto insurance policies, which can save you even more money.

Free Homeowners Insurance Quote

Before you can choose the right home insurance policy, you need to know how much coverage
you need and how much it will cost. That’s why we offer free home insurance quotes. Our
experienced agents will work with you to determine your coverage needs and provide you with a
quote that fits your budget.

Protection for Your Home and Family

Home insurance isn’t just about protecting your home and personal property. It’s also about
protecting your family. If something happens to your home, you want to make sure that you and
your family are taken care of. That’s why it’s important to choose a home insurance policy that
provides adequate coverage for your needs.

At Shield Insurance Agency, we understand the importance of protecting your home and family.
That’s why we offer a variety of home insurance options, including liability coverage, to ensure
that you and your family are protected in the event of an accident or injury on your property.

Homeowners Insurance Deductible

When choosing a home insurance policy, it’s important to consider the deductible. The
deductible is the amount you’ll have to pay out of pocket before your insurance coverage kicks
in. A higher deductible can lower your monthly premiums, but it also means that you’ll have to
pay more out of pocket if something happens to your home.

At Shield Insurance Agency, we’ll work with you to determine the right deductible for your needs.
We’ll help you find a balance between affordability and coverage so that you can have peace of
mind knowing that you’re protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we represent over 40 insurance companies. This means that we
have access to a wide range of home insurance options, so we can find the right policy for you
and your family. We’ll work with you to understand your needs and find a policy that fits your
budget.

Contact Shield Insurance Agency for a Free Quote Today

If you’re in the market for home insurance, contact Shield Insurance Agency today for a free
quote. Our experienced agents will work with you to find the right policy for your needs and
budget. We’ll help you protect your home and family so that you can have peace of mind
knowing that you’re covered. Contact us at (616) 896-4600 for a free quote today.


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