Every year since my Dad was four months old, his side of the family goes camping. This is a tradition that has been happening for over 50 years. For a weekend in August, we all stay at a campsite together and enjoy the outdoors. I get to see all of my extended family and we all spend time doing fun activities like swimming, fishing, and exploring. Camping is an easy and fun way for us to all reconnect every year. If you are thinking about having big family get togethers once a year, consider doing a camping trip. Although there are so many of us, sometimes camping essentials can be forgotten. It is important to double check what you are bringing to ensure you are fully prepared. When you are camping, it is difficult to find a place nearby if you need specific items quickly. Here is a list of items that will be helpful on your camping trip. Continue reading →
Summer is one of the best times to enjoy desserts in Rhode Island. There are many businesses that sell refreshing treats to cool you off on a hot day. Here is a list of some of the best summer treats recommended by your friends at Apple Valley Agency. Everything on the list can be found or made in Rhode Island. Whether you live here and need something sweet, or you are thinking about visiting Rhode Island soon, here are some great treats we know you will enjoy. Continue reading →
Insurance offers rewarding, flexible, and stable careers.
Current agents love their jobs and newer workers would be surprised how great insurance careers are. With a new generation of workers starting full time jobs, insurance companies need to show how great this industry is. Insurance agents love what they do because the industry provides rewarding, flexible, and stable jobs that are fulfilling. Continue reading →
What is an insurance binder? How do I get an insurance binder?
You are purchasing a home or refinancing your mortgage and need a temporary binder as proof that you have an insurance policy. Your home insurance binder needs to meet the requirements of your loan. The binder must prove that your bank is listed as a mortgagee on your insurance policy. Your bank or mortgage company is requiring a binder because you have a mortgage on your home. The binder provides your lender with verified temporary proof that you have insurance. A binder also gives a summary of the coverage that is provided by your insurance policy. Continue reading →
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 Disease Control and Prevention, and most victims are young children.
Keep in mind that it’s not just bites that cause injuries. Dogs can knock down pedestrians or cyclists, too, which often leads to severe medical issues as well.
Those injuries also have a bigger impact on homeowners insurance than you might realize. The Insurance Information Institute says dog-related claims accounted for more than $600 million in insurance payments in 2016.
You can lower your risk of drowning by wearing a life jacket — but it can’t be just any life jacket. To truly be effective, a life jacket needs to be the right type and fit correctly.
You probably know you should wear a life jacket when you’re on the water, and you probably know it’s important for kids to wear one, too. (For kids, life jackets typically are required by state law; in states with no law, the U.S. Coast Guard requires anyone under the age of 13 on a moving boat to have one. Continue reading →
In the Ocean State, we love boating and it is likely you own a boat or as the saying goes, you know someone with a boat. If so you’ve probably thought about spending some evenings on the water — especially in the summertime.
It’s a great thought to take the boat out on Narraganset bay or on a lake in Glocester, Smithfield, or Burrillville. But, when you’re boating after dark, you need to think about staying safe, even as you enjoy the stillness of the water and the starry sky. Continue reading →
Nancy Mendizabal, co-owner and agency principal of Apple Valley Insurance, recently graduated from Goldman Sachs 10,000 Small Businesses, an intensive entrepreneurship training program held at Babson College in Waltham, Mass. Continue reading →
Distracted driving is any activity a driver engages in that shifts their attention from driving.
There are three main kinds of distractions:
• Visual – taking your eyes off the road
• Manual – taking your hands off the wheel
• Mental – taking your mind off the task of driving
Driving safely is every driver’s responsibility. The use of cell phones, texting and other electronic devices including GPS navigation aids all pose great risk. The same goes for fatigue, eating or drinking, grooming, noisy passengers, misbehaving children, searching for radio stations, reaching for an object, and unrestrained pets. Continue reading →