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Are You Covered if Personal Items Are Stolen From Your Vehicle?

A vehicle break-in can happen when you least expect it, even in your own neighborhood. Approaching your car and seeing shattered glass from a broken window is unsettling and scary. You’re left dealing with vehicle damage and the emotional toll of having your personal...

Car Maintenance Checklist

Nothing beats the freedom of an open road and a full tank of gas – until the check engine light comes on or your tire deflates. Routine car maintenance is vital to maintaining a healthy, reliable vehicle and it can reduce the need for, and cost of, repairs down the...

9 Tips for Driving Safely in Fog

Even though it doesn’t make the road slick, fog can lead to dangerous driving conditions. And if you add severe weather or darkness to the mix, fog can be extremely hazardous. Whether the fog rolls in as you leave for work in the morning or settles in after a...

Car Theft Prevention Tips

According to the National Insurance Crime Bureau, over 930,000 vehicles were reported stolen in 2021. With reports continuing to rise across the United States, many people are left wondering what they can do to prevent car break ins. From simple safety tips to devices...

May Is Motorycle Safety Awareness Month

May is Motorcycle Safety Awareness Month. This annual campaign is held each spring by the National Highway Traffic Safety Administration (NHTSA) to promote safe driving and riding practices to reduce the number of fatalities and injuries on the roadways. Motorcyclists...

Drivers, Are You Missing Out on Homeowners Policy Discounts?

Auto and homeowners policies are meant to go together. (If tater hadn’t met tot, what would we have? Just a tater.) If your auto and home policies aren't bundled, you might be missing out on duo discounts — and that can mean missing out on premium savings. Benefits to...

Distracted Driving: Don’t Take the Risk

 Did you know that if you’re driving and engaging in a conversation on your mobile device, you are overfour times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving,what the consequences are and what you can do to curb...

RLI Personal Umbrella Policy: Coverage for Any Season

According to the National Highway Traffic Safety Administration (NHTSA), the days preceding Thanksgiving kick off a busy – and potentially dangerous – holiday travel season. In addition to just the sheer volume of cars on the road, speeding, distracted driving and...

Risks of Lowering your Auto Coverage

Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. Determining Which Coverage You Need An automobile insurance policy is designed to provide you with a level...

The Dangers of Supplemental Heaters

During the transition from fall to winter, it might make more sense to use a supplemental heater than to turn on your primary home heating source just to cut the morning chill. Or if you live in an older or poorly insulated house, you may need to supplement your...

Winterize That Second Home To Prevent Damage While You’re Gone

Do you have a vacation cabin or another property that you use during the summer but leave empty during the winter? If so, you need to winterize your getaway so you don’t find a mess when spring arrives. Winterizing may take a few hours of work, but being thorough can...

What To Do if a Tree Falls on Your House

When severe weather and high winds threaten your neighborhood, it’s important to be prepared. Knowing what to do after a tree falls on your home could help you avoid injury, make repairs quickly, and get your home back up and running sooner. The process for filing a...

How are Property Insurance Rates Determined?

Unfortunately, prices are going up everywhere. Whether it is your electric bill or higher prices at the gas pump – rising costs are affecting everyone. Many factors determine what you pay for property insurance. Rates are primarily based on the risk of unexpected...

Does Homeowners Insurance Cover A/C?

According to HomeAdvisor, the average cost to replace an HVAC unit in the United States is $5,000. With numbers like that, it’s no wonder so many homeowners want to ensure they have the proper coverage in place to protect their homes and families after a loss. Does...

Homeowners Beware: Infestation and Animal Damage Exclusions

Wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive). Most homeowners insurance...

Safeguard Against Ice Dams

An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging insulation, walls and ceilings. Here are some suggestions...

Cybersecurity Awareness Month: 4 Cybersecurity Behaviors To Adopt

In 2023, cybercrime is expected to cost the world $8 trillion, according to a report by Cybersecurity Ventures. Yes, you read that right.  Cybercrime is a fact of life in our digital world. But there’s still a lot you can do to protect yourself. And it doesn’t have to...

The Growing Need for Personal Cyber Insurance

The internet has made our lives easier, but it comes with its share of risks. In just one week, you could receive a threatening automated phone call, 200 junk emails, five worrisome text messages and three fake Facebook invites, all trying to bait you into giving up...

Preventing Cyberattacks on Remote Employees

The COVID-19 pandemic has solidified remote work as a new operational standard. Employers should expect this trend to only grow in the future. In fact, many major companies, such as Twitter and Microsoft, have indicated that remote work will be an indefinite option...

Benefits of Cyber Liability Insurance

When cyberattacks like data breaches and hacks occur, they can result in devastating damage. Businesses have to deal with business disruptions, lost revenue and litigation. It is important to remember that no organization is immune to the impact of cyber crime. As a...

Cyber Protection

We are more connected than ever. Cell phones, tablets, laptops, desktops, television and family gaming systems, etc., connect us in ways we never imagined. Criminals know the information accessed by your family is valuable. They can steal passwords, data, money,...

Cyber Security Insurance?

Cyber security insurance protects businesses against targeted attacks and even the occasional misplaced laptop containing confidential material. The best cyber security strategy takes a three-pronged approach: prevent, detect and mitigate risk.  Today’s business...

Building a Culture of Cyber Preparedness

Author: 

Daniel Kaniewski, PhD

October is National Cybersecurity Awareness Month; a month to ensure all Americans are safer and more secure online. At FEMA, we a…

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Hurricane Preparation Tips for Your Home and Family

Hurricanes can destroy property and upend lives. But there are many things you can do to minimize the potential impact on your home and family. When a powerful storm is bearing down, it may be too late to protect your property. Making a plan is critical. Hurricane...

Your Home Insurance Has Limited Protection for Jewelry

Whether it’s a single engagement ring, an heirloom set or a large collection you bought for yourself, your jewelry needs insurance. Yet most homeowners insurance policies limit the amount of coverage to $5,000 or less. That might not even be enough to cover a single...

8 Ways to Support Small Businesses

Small businesses are the backbone and heart of many towns and cities across the country. It’s even said they are the foundation of our economy and leaders in innovation. At Main Street America, we agree and are invested in their success. Afterall, we got our start as...

Traveling Safely With Your Pets

If you’re planning a family road trip, you might also want to bring your pet. While traveling is fun, it can be stressful if you don’t take proper precautions to ensure you and the dog or cat are safe. Before venturing out, be sure your pet is up to date on its...

Tips from Thorp & Trainer Insurance for a Successful Academic Year

As the summer days wind down, the excitement of a new school year approaches. At Thorp & Trainer Insurance, we recognize that your children's safety is of utmost importance. With this in mind, we're delighted to offer valuable safety tips to ensure a secure,...

Are Your Storage Unit Contents Covered?

According to SpareFoot Storage Beat, approximately 10.6% of Americans currently rent self-storage units. And economic analysts at IBISWorld report the storage unit business continues to experience growth. If you’re among the one in 10 Americans who rent a storage...

16 Life Changes To Tell Your Insurance Agent About

Life doesn’t stop after you obtain insurance coverage. Maybe you added that much-needed extra bathroom to your home or inherited your grandparents’ precious antiques. Perhaps your teenager is going to college or you’re starting a new business. You’ll need to adjust...

Car Maintenance Checklist

Nothing beats the freedom of an open road and a full tank of gas – until the check engine light comes on or your tire deflates. Routine car maintenance is vital to maintaining a healthy, reliable vehicle and it can reduce the need for, and cost of, repairs down the...

What To Do if a Tree Falls on Your House

When severe weather and high winds threaten your neighborhood, it’s important to be prepared. Knowing what to do after a tree falls on your home could help you avoid injury, make repairs quickly, and get your home back up and running sooner. The process for filing a...

Chicken Scampi with Garlic Parmesan Rice

Ingredients For the Chicken Scampi: 1 pound boneless, skinless chicken breasts, thinly sliced 2 tablespoons olive oil 1 tablespoon butter 4 cloves garlic, minced 1/2 cup chicken broth 1/4 cup lemon juice 1 teaspoon Italian seasoning Salt and pepper to taste Fresh...

BLT Pasta Salad

Ingredients 8 -oz rotini pasta1 -lb bacon1 pint grape tomatoes cut in half4 green onions chopped4 cups lettuce finely chopped Dressing¾ cup ranch½ cup mayonnaise1 tsp garlic powder¼ tsp paprika1 Tbsp lemon juicesalt and pepper to tasteDirections Cook bacon slices in a...

Mimosa Bundt Cake

Ingredients 3 cups all-purpose flour 1 ½ tsp baking powder ¾ tsp salt ½ tsp baking soda 1 cup orange juice ( 1/2, 1/4, 1/4) ¾ cup prosecco 1 cup butter, room temperature 2 cups granulated sugar 5 eggs 2 tsp grated orange zest 1 tsp vanilla extract 2 cups...

Spinach Artichoke Pasta

Ingredients 4 oz spaghetti  Sea salt, to taste 1 tbsp olive oil 1 small shallot, sliced 3-4 large cloves of garlic, minced ¼ cup dry white wine Juice from 1/2 a lemon, or more to taste 1 tbsp fresh parsley, chopped finely Pinch of crushed red pepper flakes 1-2 tbsp...

Garlic Butter Shrimp Scampi Pasta

Ingredients 1/2 lb. spaghetti 1 lb. asparagus, trimmed and cut into 2″ pieces 3 Tbsp unsalted butter, divided 3 Tbsp olive oil, divided 4 cloves garlic, minced (about 1 1/2 Tbsp) 1/4 tsp red pepper flakes, or added to taste 1 lb. large shrimp, peeled and deveined...

Skillet Spinach Pie

Ingredients 2 large eggs, lightly beaten3 packages (10 ounces each) frozen chopped spinach, thawed and squeezed dry2 cups (8 ounces) crumbled feta cheese1-1/2 cups shredded part-skim mozzarella cheese1/4 cup chopped walnuts, toasted1-1/2 teaspoons dried oregano1-1/2...

Cheesy Dutch Baby with Ham and Eggs

Ingredients > 2 tbsp unsalted butter > 10 large eggs, divided > 1 cup low-fat milk > 1 cup all-purpose flour > ¼ cup grated Parmesan cheese > ½ cup finely shredded Swiss cheese > 2 tbsp chopped chives, plus more to garnish > Cooking spray >...

Chicken with Mushroom Sauce

Ingredients > 2 teaspoons cornstarch > 1/2 cup fat-free milk > 4 boneless skinless chicken breast halves (4 ounces each) > 1 tablespoon olive oil > 1 tablespoon butter > 1/2 pound sliced fresh mushrooms > 1/2 medium onion, thinly sliced > 1/4...

Barbecue Pork and Penne Skillet

Ingredients > 1 package (16 ounces) penne pasta > 1 cup chopped sweet red pepper > 3/4 cup chopped onion > 1 tablespoon butter > 1 tablespoon olive oil > 3 garlic cloves, minced > 1 carton (16 ounces) refrigerated fully cooked barbecued shredded...

Apple Banana Cupcakes

Ingredients > 2 cups all-purpose flour > 1 teaspoon baking soda > 1 teaspoon salt > ½ teaspoon ground cinnamon > ½ teaspoon ground nutmeg > ⅔ cup shortening > 1 ¼ cups white sugar > 2 eggs > 1 teaspoon vanilla extract > ¼ cup buttermilk...

Mimosa Bundt Cake

Ingredients 3 cups all-purpose flour 1 ½ tsp baking powder ¾ tsp salt ½ tsp baking soda 1 cup orange juice ( 1/2, 1/4, 1/4) ¾ cup prosecco 1 cup butter, room temperature 2 cups granulated sugar 5 eggs 2 tsp grated orange zest 1 tsp vanilla extract 2 cups...

Your Home Insurance Has Limited Protection for Jewelry

Whether it’s a single engagement ring, an heirloom set or a large collection you bought for yourself, your jewelry needs insurance. Yet most homeowners insurance policies limit the amount of coverage to $5,000 or less. That might not even be enough to cover a single...

8 Ways to Support Small Businesses

Small businesses are the backbone and heart of many towns and cities across the country. It’s even said they are the foundation of our economy and leaders in innovation. At Main Street America, we agree and are invested in their success. Afterall, we got our start as...

Are Your Storage Unit Contents Covered?

According to SpareFoot Storage Beat, approximately 10.6% of Americans currently rent self-storage units. And economic analysts at IBISWorld report the storage unit business continues to experience growth. If you’re among the one in 10 Americans who rent a storage...

Summer Cooking Just Got Easier

While we all love summer grilling, sometimes you need to change it up a bit. If you’re looking for an easy way to add some variety to your summer meals, check out this deliciously simple recipe for Pasta Bolognese. Easy Bolognese Ingredients 2 tbsp olive oil 1...

16 Life Changes To Tell Your Insurance Agent About

Life doesn’t stop after you obtain insurance coverage. Maybe you added that much-needed extra bathroom to your home or inherited your grandparents’ precious antiques. Perhaps your teenager is going to college or you’re starting a new business. You’ll need to adjust...

Save the Date for Our Annual Shred Day!

On Saturday, October 14th from 9am - 12pm SHARP, Thorp & Trainer invites community members to stop by our office on Airport Road in Westerly to safely discard important documents containing your personal information. The public is invited to bring ONLY 2 BOXES of...

Does Homeowners Insurance Cover A/C?

According to HomeAdvisor, the average cost to replace an HVAC unit in the United States is $5,000. With numbers like that, it’s no wonder so many homeowners want to ensure they have the proper coverage in place to protect their homes and families after a loss. Does...

Car Theft Prevention Tips

According to the National Insurance Crime Bureau, over 930,000 vehicles were reported stolen in 2021. With reports continuing to rise across the United States, many people are left wondering what they can do to prevent car break ins. From simple safety tips to devices...

Liability Insurance & Your Dog

Everyone wants to keep the family dog healthy for years to come, which is why many people purchase pet insurance to their insurance program. This type of coverage will help to cover your dog’s medical bills; however many people are unaware that it does not cover any...