CMS - News, Tips, and Information

If you rent a home or apartment, you might assume your landlord's insurance policy will take care of everything if disaster strikes. However, that's a common misconception. A landlord's insurance generally helps cover the building itself-not your personal belongings or liability risks.
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As the weather warms and spring approaches, farms and agritourism businesses gear up for their busiest time of year. Whether you run a U-pick farm, participate in farmers markets, or host seasonal events, it's important to ensure your insurance coverage aligns with the increased activity. Spring planting, farmers markets, and agritourism operations bring unique risks that proper coverage can help address.
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A simple slip-and-fall accident on your property could cost you thousands—or even more—if you don't have the right liability coverage in your homeowners insurance. Many homeowners focus on protecting their house and belongings from disasters like fire or storms, but liability protection is just as crucial. Without it, you could be left financially vulnerable to lawsuits, medical bills, and legal fees.
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As the new year begins, many of us set resolutions to improve our health, finances, or overall well-being. But have you considered making an insurance review part of your goals this year? Taking a closer look at your insurance coverage can ensure you're properly protected, potentially save you money, and help you feel more secure about your future.
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The holiday season is a time for festive cheer, cozy gatherings, and beautifully decorated homes. For many, the centerpiece of holiday dcor is a Christmas tree adorned with twinkling lights, shimmering ornaments, and sentimental treasures. However, if not properly cared for, your Christmas tree can become a fire hazard that threatens to turn holiday joy into disaster. Here's how to keep your tree safe and your celebrations merry and bright.
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The holiday season is a time of celebration, filled with gatherings, food, and family traditions. But while it's exciting for us, holiday festivities can be overwhelming and even hazardous for our pets. Between the unfamiliar faces, tempting foods, and potential holiday hazards, it's important to take a few extra steps to ensure your furry friends stay safe and comfortable. Here are some essential tips to keep your pets protected and stress-free during holiday gatherings.
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Halloween is an exciting time for kids and adults alike, full of costumes, candy, and spooky fun. But amidst the excitement, it's important to keep safety in mind to ensure everyone has a great night without accidents. Whether you're trick-or-treating, attending a party, or decorating your home, these Halloween safety tips will help keep your holiday safe and enjoyable.
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As the back-to-school season approaches, the excitement of a new academic year fills the air. Parents are busy shopping for supplies, students are anticipating meeting new friends and teachers, and everyone is settling into the routine that comes with the school year. However, amid all this excitement, there's an important aspect of preparation that often gets overlooked–insurance.
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August. The air is thick with humidity, the sun beats down relentlessly, and the smell of barbecue lingers in the air. It's a month that evokes images of long, lazy days and cherished memories. And for many, it's also a month synonymous with classic cars.
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As the mercury rises and the summer heat intensifies, keeping your home cool becomes not just about comfort, but also about safety and energy efficiency. Here are some effective strategies to help you chill out this summer without relying solely on air conditioning.
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