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    <title><![CDATA[Our Blog]]></title>
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    <link>https://sandbox2.confluency.net/blog/</link>
    <description><![CDATA[Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.]]></description>
    <lastBuildDate>Fri, 16 Oct 2026 20:19:57 -0400</lastBuildDate>
    
    
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    <atom:link rel="hub" href="http://pubsubhubbub.superfeedr.com"/><item><title><![CDATA[How Custom Car Updates Can Affect Insurance Rates]]></title>
		<link>https://sandbox2.confluency.net/blog/custom-car-modifications-insurance-rates</link>
		<guid>https://sandbox2.confluency.net/blog/custom-car-modifications-insurance-rates</guid>
		
		
		<pubDate>Wed, 21 Jan 2026 10:07:52 EST</pubDate>
		<description><![CDATA[Custom wheels, lifts, performance parts, and tech upgrades can change more than just how your car looks or drives. These updates may affect insurance rates, repair costs, and how a policy responds after a loss. Learn why it is important to review vehicle modifications before or after making changes.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-car-modifications-2026.jpg" style="float:right;" />Custom wheels, lifts, performance parts, and tech upgrades can change more than just how your car looks or drives. These updates may affect insurance rates, repair costs, and how a policy responds after a loss. Learn why it is important to review vehicle modifications before or after making changes.Continue Reading...]]></content:encoded><category><![CDATA[car insurance]]></category>
<category><![CDATA[car modifications]]></category>
<category><![CDATA[custom car]]></category>
<category><![CDATA[modified car insurance]]></category>
</item><item><title><![CDATA[New Year, Smarter Home Maintenance]]></title>
		<link>https://sandbox2.confluency.net/blog/new-year-home-maintenance-tips</link>
		<guid>https://sandbox2.confluency.net/blog/new-year-home-maintenance-tips</guid>
		
		
		<pubDate>Wed, 14 Jan 2026 10:05:52 EST</pubDate>
		<description><![CDATA[A new year is a great time for homeowners to focus on routine maintenance and small checkups around the house. Simple steps now can help reduce surprises, extend the life of your home, and create fewer headaches as the year moves forward. Checking in early can make the months ahead feel a little easier.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-winter-home-inspection.jpg" style="float:right;" />A new year is a great time for homeowners to focus on routine maintenance and small checkups around the house. Simple steps now can help reduce surprises, extend the life of your home, and create fewer headaches as the year moves forward. Checking in early can make the months ahead feel a little easier.Continue Reading...]]></content:encoded><category><![CDATA[home maintenance]]></category>
<category><![CDATA[home safety]]></category>
<category><![CDATA[home safety tips]]></category>
<category><![CDATA[homeowner]]></category>
<category><![CDATA[homeowners insurance]]></category>
</item><item><title><![CDATA[What to Know Before Letting Someone Borrow Your Car]]></title>
		<link>https://sandbox2.confluency.net/blog/what-to-know-before-letting-someone-borrow-your-car</link>
		<guid>https://sandbox2.confluency.net/blog/what-to-know-before-letting-someone-borrow-your-car</guid>
		
		
		<pubDate>Wed, 07 Jan 2026 10:09:11 EST</pubDate>
		<description><![CDATA[Letting someone borrow your car may seem simple, but it can come with insurance considerations many drivers overlook. From permission and policy limits to how accidents can affect you, it is important to understand what can happen before handing over the keys. A quick review ahead of time can help avoid surprises later.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-sharing-car-with-friends.jpg" style="float:right;" />Letting someone borrow your car may seem simple, but it can come with insurance considerations many drivers overlook. From permission and policy limits to how accidents can affect you, it is important to understand what can happen before handing over the keys. A quick review ahead of time can help avoid surprises later.Continue Reading...]]></content:encoded><category><![CDATA[borrowing a car]]></category>
<category><![CDATA[car insurance]]></category>
<category><![CDATA[family drivers]]></category>
<category><![CDATA[liability]]></category>
</item><item><title><![CDATA[5 Insurance Mistakes New Business Owners Make]]></title>
		<link>https://sandbox2.confluency.net/blog/5-insurance-mistakes-new-business-owners-make</link>
		<guid>https://sandbox2.confluency.net/blog/5-insurance-mistakes-new-business-owners-make</guid>
		
		
		<pubDate>Wed, 31 Dec 2025 10:00:16 EST</pubDate>
		<description><![CDATA[As you plan for the year ahead, it is a good time to think about whether your insurance still aligns with your life or business. A quick review can help identify updates, answer questions, and support better planning for the new year.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-business-woman-newbusiness.jpg" style="float:right;" />As you plan for the year ahead, it is a good time to think about whether your insurance still aligns with your life or business. A quick review can help identify updates, answer questions, and support better planning for the new year.Continue Reading...]]></content:encoded><category><![CDATA[business insurance tips]]></category>
<category><![CDATA[commercial insurance basics]]></category>
<category><![CDATA[insurance for startups]]></category>
<category><![CDATA[new business insurance]]></category>
<category><![CDATA[small business insurance mistakes]]></category>
</item><item><title><![CDATA[New Year Planning: Insurance Items to Think About Before the Year Ahead]]></title>
		<link>https://sandbox2.confluency.net/blog/new-year-insurance-planning-checklist-2025</link>
		<guid>https://sandbox2.confluency.net/blog/new-year-insurance-planning-checklist-2025</guid>
		
		
		<pubDate>Wed, 24 Dec 2025 12:48:15 EST</pubDate>
		<description><![CDATA[As you plan for the year ahead, it is a good time to think about whether your insurance still aligns with your life or business. A quick review can help identify updates, answer questions, and support better planning for the new year.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-new-year-2025.jpg" style="float:right;" />As you plan for the year ahead, it is a good time to think about whether your insurance still aligns with your life or business. A quick review can help identify updates, answer questions, and support better planning for the new year.Continue Reading...]]></content:encoded><category><![CDATA[annual review]]></category>
<category><![CDATA[insurance review]]></category>
<category><![CDATA[new years]]></category>
<category><![CDATA[planning]]></category>
</item><item><title><![CDATA[Christmas Safety Tips for a Warm and Worry-Free Holiday Season]]></title>
		<link>https://sandbox2.confluency.net/blog/christmas-safety-2025</link>
		<guid>https://sandbox2.confluency.net/blog/christmas-safety-2025</guid>
		
		
		<pubDate>Wed, 17 Dec 2025 09:50:09 EST</pubDate>
		<description><![CDATA[Christmas is a joyful season, and a few simple precautions can help keep your home, travel plans, and celebrations safe. From checking holiday lights to preventing kitchen fires and preparing for winter weather, small steps can make a big difference. With a little planning, you can enjoy a warm, worry-free holiday with the people who matter most.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-christmas2025.jpg" style="float:right;" />Christmas is a joyful season, and a few simple precautions can help keep your home, travel plans, and celebrations safe. From checking holiday lights to preventing kitchen fires and preparing for winter weather, small steps can make a big difference. With a little planning, you can enjoy a warm, worry-free holiday with the people who matter most.Continue Reading...]]></content:encoded><category><![CDATA[christmas]]></category>
<category><![CDATA[christmas gifts]]></category>
<category><![CDATA[christmas lights]]></category>
<category><![CDATA[christmas tree]]></category>
<category><![CDATA[family safety]]></category>
<category><![CDATA[holiday]]></category>
<category><![CDATA[holiday lights]]></category>
<category><![CDATA[holiday season]]></category>
</item><item><title><![CDATA[The Myth Of &quot;I Don't Own Enough To Need Renters Insurance&quot;]]></title>
		<link>https://sandbox2.confluency.net/blog/the-myth-i-dont-own-enough-to-need-renters-insurance</link>
		<guid>https://sandbox2.confluency.net/blog/the-myth-i-dont-own-enough-to-need-renters-insurance</guid>
		
		
		<pubDate>Wed, 03 Dec 2025 11:41:31 EST</pubDate>
		<description><![CDATA[Think you don't own enough to need renters insurance? Even secondhand furniture, basic electronics, and everyday clothes can cost thousands to replace, and a single accident or injury could be even more expensive. Find out how renters insurance can help protect your stuff, your wallet, and your ability to stay on your feet after a loss.]]></description><content:encoded><![CDATA[<p><img src="https://s.confluency.site/plins/blog/pix/shared/og-renters-biggest-myth.jpg" style="float:right;" /><br clear="both" /><a href="https://sandbox2.confluency.net/blog/the-myth-i-dont-own-enough-to-need-renters-insurance" class="cont_reading cont_reading_pad">Continue Reading...</a></p><br clear="both" />]]></content:encoded><category><![CDATA[apartment insurance]]></category>
<category><![CDATA[renters insurance]]></category>
<category><![CDATA[renters liability]]></category>
<category><![CDATA[replacement cost]]></category>
<category><![CDATA[young adult]]></category>
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