Rabbits, Watches, & the Missing "S"

Twice a year (at least) I get so confused....I never know what time it is and I always feel just like the White Rabbit --- I'm Late, I'm Late! 

I thought this "Jump Forward, Fall Back" stuff mandated through Daylight Saving Time was meant to help us, not throw us into a tizzy so we run about frantically glancing at our watches just like our furry white friend. And while we are on the subject of craziness, isn’t the word supposed to be Daylight Savings Time? Where the heck is the “s”?

Dare I digress into an English lesson….oh yes, let’s!

Technically, the word “saving” is used in this phrase as an adjective. It describes the kind of time we are talking about: the “saving” kind of time, just like you would describe eco-friendly coffee as “sustainable development” coffee. Or perhaps it could be better written with a dash in the middle, as in: daylight-saving time. In that form, we can liken it how we use the word “man-eating” tiger.

Ok, have I brought back all those repressed memories of high-school English class? (Let the nightmares begin!)

While your head still hurts, let’s ponder this thought I came across on the Internet: “Adding to the confusion is that the phrase Daylight Saving Time is inaccurate, since no daylight is actually saved. Daylight Shifting Time would be better, and Daylight Time Shifting more accurate, but neither is politically desirable.”


Regardless of how you look at it, inevitably on this day, we are compelled to correct our clocks and struggle with our bodies as they fight to adjust to the supposed “time” we supposedly just “saved”.

“Saving” on your insurance can be equally confusing. Cutting corners or raising deductibles to save money now may end up causing us pain later on. On the other hand, there are many ways a well planned risk management program can help you save on your insurance premiums. The knowledgeable staff at The Writer Agency, LLC. can aid you in reviewing your insurance costs and help you implement a practical risk management program.

Call 308-436-4202 or Click http://www.insurance-by-katie.com/ today!

Does anyone else hate getting up in the dark (or is it just me)?

Fall Newsletter 2012

Click here to check out our Fall 2012 Newsletter.

Read about how to protect yourself from a new kind of thief in "Cyber Liability". Learn how to insure your air conditioner from mechanical failure or your laptop for corruption from dust and the other types of damage that can be covered by Equipment Breakdown coverage (that often is NOT covered under a warranty or equipment service contract). 

Read about the written and/or photo-video inventory service our agency can provide to aid you in documenting your personal possessions BEFORE they are lost or damaged.  

Find out what this "weird" code is and how it can help you contact me when you are "on the run" and much, much more!

You can access past issues of our newsletter on our website: http://www.insurance-by-katie.com/. Enjoy!

Do you have a topic you would like to see addressed in our next issue?

3.4 ounces and a Javelin

The fair skinned, red-headed woman stood obediently in the airline security checkpoint line, inching forward with the throng of other travellers at a breathtaking speed comparable to that of a herd of turtles. They were progressing forward toward the greatly anticipated  and highly coveted honor of having themselves scrutinized by total strangers. What would the modus operandi be today.....  a "whole body X-ray scan" or perhaps the exhilarating "puff" machine that is supposed to analyze the particles it blows loose for potential threats. The woman could hardly contain her anticipation! Only time would tell.

She ran through her mental checklist as she approached the conveyor belt:

  • SHOES -- off  (great....she forgot her socks and would have to walk barefoot on the yucky floor!)
  • METAL -- every speck removed from her body and placed in the plastic bin  (do belly button rings count?)
  • LAPTOP -- dutifully removed from its case (got to get a lighter model!) 
  • POCKETS -- emptied (even the lint)
  • LIQUIDS -- 3.4 oz each, maximum, all jammed in a separate quart sized baggie (she prayed it would not burst)
The woman sheepishly looked from side to side and felt like a spotlight was trained directly on her as she lifted her final item:

  • BEACH UMBRELLA -- placed guiltily on the conveyor belt
The woman could feel people staring at her, their accusing eyes boring into the back of her head. She could hear their thoughts, mocking her audacity in attempting the impossible.  But she had paid good money for that umbrella and she figured there was nothing to lose by trying to take it home with her. She resigned herself for what would inevitably follow, the sirens, the handcuffs and the humiliation of being told her precious beach umbrella, her refuge from the searing rays of the sun, was being confiscated in the name of airline safety.

But wait...............

The uniformed officer was waiving her through. No drama, no criminal record, no nothing. She walked in a daze through the security machine and began to collect her belongings that had made it through to the other side. Holy Cow!

Moral of the story:  you can't take more than 3.4 ounces of sun screen on vacation to protect your fair skin but you can lug a 6 foot beach umbrella with a seriously pointy javelin-like pole onto the plane - no problem! Go figure!

The next time you find yourself in an airport security line, have no fear. Your personal belongings can be protected against lost or theft wherever you travel through a homeowners or renters insurance policy.  (It generally will not cover confiscation of your belongings by the authorities, however). Contact our knowledgeable agents at The Writer Agency, LLC. by calling 308-436-4202 or clicking www.insurance-by-katie.com.  We will be happy to help with your protection needs. (We have numerous bottles of SPF 75 for your sun protection as well!)

Where have you gone on vacation recently?

Deer in the Headlights (or Window as the Case May Be)

Cruise control....Check!
Awesome tunes on the satellite radio...Check!

Satisfied that the pre-trip checklist had been adequately completed, the woman pulled onto the highway and prepared to enjoy the rest of her trip. It was a gorgeous day, dry roads, very little wind and not too much traffic. After several hours, she'd settled into a groove and was cruising right along, belting out the chorus of Bob Seger's "Turn The Page".....Here I am....on the road again.... when all of a sudden,


The woman blinked. No way! That didn't just happen! She had been attacked by a sideswiping deer who had nerve enough to rub its lips clear across her driver side window, steal her mirror, and then run away. So NOT cool!

Have you ever been the victim of an overzealous deer?

It's certainly a frightening experience and one that our knowledgeable insurance agents at The Writer Agency, LLC can help you with. We can begin by working with you to select the proper Comprehensive (Other Than Collicion) insurance coverage to repair your vehicle after this type of damage. And we can help take the "scary" out of the situation as we walk along with you through the process of filing your claim. We can even help you get back your stolen mirror! 

Call or click today: 308-436-4202 or www.insurance-by-katie.com 

Have you ever had a deer attack you? We'd love to hear about it!

The Smoke Detector Strikes Again!

We all know that we should have smoke detectors somewhere in our houses and offices and anyplace where we are staying. And to be on the safe side you should check them regularly to be sure that they are still in working condition. Most smoke detectors have a button on them that you push and the shrill alarm goes “beep”, just to make sure they are working properly.

My mom uses a much simpler way to check them. She cooks!

Now, she’s not a bad cook, in fact she has always amazed me with "a dash of this" and a "pinch of that" and Voila! Culinary perfection!  But sometimes just the heat from the oven or broiler or something else will set off the alarm. She has the distinction of having it go off in their 5th wheel trailer while attending a Jazz Festival in Sacramento, California years ago. Her cousin, came running over from the next site….not with a fire extinguisher but with a plaque in her hands that said “There’s No Fire. My wife is just cooking again!” said “my husband gave this to me years ago but I HEAR you need it more than I do right at this minute”. You can always count on your relatives to give you moral support.

Mom has now added Alaska to her long list of "test sites". One of the Bed &Breakfasts that they were staying in was a kitchenette apartment. After a busy day of sightseeing, they decided to buy a pizza from Safeway and bake it at the B&B. Mom tells the story this way:

"The stove in the unit was gas and rather old fashioned. I looked at the oven but couldn’t see any gas jets but I went ahead and turned the knob, which had NO information on it as far as temperature marks, etc., and heard the gas come on and the oven started to get hot. Finally I opened the “drawer” at the bottom and found that it was the broiler and the gas jets were in this compartment….it did dual duty…broiler and oven. As I said previously, there were no marks on the knob so I had no idea how hot to set the oven but turned it almost all the way assuming that 450 degrees would be far to the right. Next I looked at the width of the oven and the size of the pizza and realized that it was not going to fit in the oven so I had to cut off one side of the pizza. There also was no pizza pan so I carried it over to the oven and with the help of my husband, we slipped the pizza onto the oven rack. It started to bake and when I opened the oven door to check on it, the smoke alarm went off…not only did it start the high pitched tone, it also started saying FIRE….FIRE! I had never heard one talk to me before! So we opened the door and windows but it continued to go off even after our grandson took it down from the ceiling. So we took out the batteries and continued to bake the pizza until it was browned. It turned out just perfect. When we put the battery back in after we finished eating and it started saying “CARBON MONOXIDE!” So we opened all the doors and windows again just in case but figured that it was just going through its series of commands after having the battery replaced. But we left one window slightly ajar when we went to sleep that night just in case. And guess what?? We all woke up in the morning. When we spoke to the maintenance man about the incident, he told us that the oven only HAS one temperature….High. Life with Jeanie is never dull!"

If YOU cook like Jeanie, (your taste buds should be very happy if you do...) then you have probably experienced something like this yourself. But no matter how you test the batteries in your smoke detector, just make sure you DO test them. A smoke detector can't prevent a fire but it certainly can provide a tremendous amount of protection against serious damage or injury. And don't forget to contact the knowledeable agents at The Writer Agency, LLC to obtain the rest of the protection you need. Call or Click today! 308-436-4202 or www.insurance-by-katie.com 

What "yummy" concoction have you cooked lately?  Share your recipies (and fun cooking stories too)!

To Wear White or Not to Wear White....That is the Question

The woman stood in front of her closet with a pained look upon her face staring at the shelves and racks of clothing. Some days, this was the most difficult decision she faced all day --- what to wear! Thank-goodness for some simple guidelines that aid in this process:

1)  Pajamas should not be worn in public - While this trend seems to be all the rage (have you been to a Walmart lately?), PJ's are for lounging, sleeping, and that's about it.

2)  Underwear should be under your clothing - (duh) It is an oxymoron to have under garments not concealed under something and sticking out the top of your pants or showing through your see-through attire. Have a smidgen of modesty, please!

3)  If it's cold enough for boots and a scarf, it is too cold for shorts or a mini-skirt - This seems to be the newest trend but bare arms and legs paired with furry Ugg boots and 100 degree weather?  Can you say "sweaty feet"?  Seriously?

And the oldie but a goodie":

4) No white after Labor Day - Of course with the advent of "winter white" the adage of not wearing white before Memorial Day or after Labor Day needs to be modified a tad. Wearing wool or sweaters in white is not only acceptable, it is very upscale and fashionable. (The winter white model shown above may still need some fashion counselling but who's to judge????)   

Hopefully these fashion words of wisdom will aid you as you don the proper attire this Labor Day. Also, as you are staring into your closet, why don't you take a quick inventory of your clothing, and the rest of your possessions too, while you are at it. What replacement value figure do you get?  Does your insurance policy cover at least that much, if not more? 

If you are unsure or if you need help just starting your inventory, call or click to contact the knowledgeable agents at The Writer Agency, LLC.  308-436-4202  or www.insurance-by-katie.com   We can answer your questions and even provide you with a simple Inventory Calculator Form to aid you in the process.

Most fashionistas spend years acquiring and maintaining their wardrobe....it's only smart to spend a little time ensuring that it is protected properly. Don't you think?

Have you seen a "fashion nightmare" (or maybe YOU were the fashion nightmare?) Share your story! 

Are We There Yet?

"Are we there yet?"....."Are we there yet?"....."He's touching me!"...."She's looking at me!"...."I have to go potty, NOW!"....."Are we there yet?".....

Ahhh, the endearing sounds that sweetly dance upon the airwaves from the back seat and are a rite of passage handed down from generation to generation of  family travelers for the sole purpose of allowing the younger generation to totally and completely annoy the older generation. 
Admit it, we've ALL said those words at some point in our lives so who can begrudge our own angelic offspring the opportunity to participate in the same right of passage? And you have to admit that we have it better than our parents and grandparents ever did. Today we travel with iPods, iPads, MP3 players, DVD players and the list goes on. My poor parents endured endless repetition of books-on-tape (yes, I am dating my self, I had real cassette tapes) which were played over and over on a portable tape player without the mercy of ear phones. With the newest gadgets equipped with "noise cancelling" earphones and airplane modes, I fear that my mother's highly developed skill of "tuning it all out" will become a dying art!

So how do we survive these memory building, fun family vacations?

AAA Travel specialist, Deb Hyde recommends the following in AAA Living Magazine:

1) Have a family meeting before you go to gather ideas from each family member and be sure to try to include something for everyone.

2) Come together for at least one meal or activity each day to share experiences and create family bonding time.

3) Plan down time into the itinerary or you will end up needing a vacation to recover from vacation!

Lastly, don't forget to make sure the personal items you are taking with you are properly insured against theft or loss while you travel and that your excursions via vehicle are protected by AAA Emergency Roadside Assistance Membership to ensure minimal trip interruption. Call our knowledgeable agents at The Writer Agency, LLC.  308-436-4202  or contact us on our website where you will find other valuable insurance information:  www.insurance-by-katie.com.  We can't guarantee we can eliminate all the "Are we there yet?" inquiries but we can make the getting there and back a bit less stressful by giving you peace of mind that you are well protected.

Share your travel and vacation plans or past experiences by leaving a post! We would love to hear from you.

Graduation on the Face of the Sun!

The woman scanned the arena. Three thousand (or so) students were sitting below her, anxiously awaiting their graduation diplomas. She craned her neck and strained her eyes looking for the one student she was there to see.  Her dear friend was being awarded her PhD today and the woman was not about to get distracted from the presentation....but good grief it was hot in Arizona as the sweat trickled down her forehead....it was July after all. 

In the immortal words of Matthew Broderick, "it's like Africa hot"!  Now, the woman had never been to Africa but she was pretty darn sure that Arizona was at least face-of-the-sun hot!  She was melting!

Apparently this summer heat phenomenon has made an impression on other visitors to Arizona.  Below is an excerpt of  the "Arizona Diary" that was published about Arizona in the Apache Junction - Gold Canyon News: 

May 15th: Now this is a state that knows how to live! Beautiful sunny days and clear, enchanting evenings. Mountains and deserts blended together. What a place! Watched the sunset from a park lying on a blanket. It was beautiful.... I've finally found my home. I love it here.

June 14th: Really heating up. Got to 108 today. Not a problem. Live in an air-conditioned home, drive an air-conditioned car, work in an air-conditioned office. What a pleasure to see the sun every day like this. I'm turning into a real sun worshipper.

June 30th: Had the backyard landscaped with western plants today. Lots of cactus and rocks. What a breeze to maintain. No more mowing for me. Another scorcher today, but I love it here.

July 10th: The temperature hasn't been below 100 all week. How do people get used to this kind of heat? At least it's a dry heat. Getting used to it is taking longer than I expected.

July 15th: Fell asleep by the pool. Got 3rd degree burns over 60% of my body. Missed two days of work; what a dumb thing to do. I learned my lesson though: got to respect the ol' sun in a climate like this.

July 25th: Dry heat, my butt. Hot is hot! The home air-conditioner is on the fritz and the A/C repairman charged $250 just to drive by and tell me he needed to order parts.

July 30th: Been sleeping outside by the pool for three nights now and got stung by a scorpion. Spent several hours in the emergency room. At least it was air conditioned. Why did I ever come here?

August 4th: 115 degrees! Finally got the air-conditioner fixed today. It cost $1,200 and gets the temperature down to about 90. I hate this [expletive deleted] state.

August 8th: If I hear another guy wisecrack like, "Hot enough for you today?" I'm going to tear his [expletive deleted] throat out. Damn heat. By the time I get to work the radiator is boiling over, my clothes are soaking wet, and my deodorant's not working!

August 10th: The weather report might as well be a damn recording: Hot and Sunny. It's been too hot to sleep for two damn months and the weatherman says it might really warm up next week. Doesn't it ever rain in this barren damn desert? $1,700 worth of cactus just dried up and blew into the [expletive deleted] pool. Even a cactus can't live in this heat.

August 14th: Welcome to Hell! Temperature got to 120 today. Forgot to crack the window and blew the [expletive deleted] windshield out of my car. The installer came to fix it and said, "Hot enough for you today?" My wife had to spend the house payment to bail me out of jail.

August 30th: Worst day of the damn summer. I'm not leaving the house. The monsoon rains finally came and all they did is to make it muggier than hell. Nobody told me about staying out of the washes during a "flash flood" warning, so my car is now floating somewhere in Mexico with its new windshield.  

September 10th: Seventy-five days in a row over 100 degrees. That does it. To hell with Arizona! We're moving back to [Nebraska] and buying a snow blower. 

Hopefully your summer is going better than the poor person who wrote this diary! We can't make the heat go away, but our knowledgeable agents can help you obtain the proper insurance coverage to protect again exploding windshields and cars that suddenly turn into boats (and a variety of other damages that can happen to your vehicle!) And in the event you do suffer a loss, our experts can help make filing your claim less stressful.  

Call us or click to contact us today:  308-436-4202 or www.insurance-by-katie.com
Have you heard or experience a strange automobile claim? Tell us about it!

Bugs, Dust, and Flat Screen TV's

Rrrrrrrrraawwwwwrr!  Rummmmmbbble! Rattle.  Clank!

Aaaaachooo!  Sniffle. Sniffle.

Buzzzzz.  Buzzzzz. Slap!

The woman squinted into the sun that was already streaming in as she rolled over in bed and looked at her watch. 5:07 AM. Seriously? 5:07 AM, on VACATION for Pete's sake? And then she remembered. This was NOT a vacation in a 5 star hotel (not that she had been to a 5 star hotel but a girl could dream!). No, this was a CAMPING vacation.

A camping vacation complete with trains that rattled and roared past the campground all day and night. Complete with dust and allergies, itchy eyes and runny noses. Not to mention the bugs. Creepy crawly bugs and biting bugs and bugs that buzzed all night long just out of reach of the swatter!

What could possibly make this woman want to endure these horrors?  Oh yes.....she smiled as she remembered:   being able to spend time quality with her family playing games, swimming in the lake, hiking, and enjoying nature in general. (And the S'mores were not too shabby either!).

Summer is a time for camping and all things "outdoors-y" but it is not a time to go unprotected. While you are slathering on the sun screen and bug repellent, don't forget to check your insurance coverages as well.

If you are a a back packer and/or tent camper, the personal belongings you take with you should be protected from loss because most homeowners and renters policies provide coverage any where in the world by extending between 10% and 100% of your contents policy limit to property away from your residence.

If you have a camper trailer or a motorized recreational vehicle, your personal belongings (the "stuff" you take along with you) are protected in the same way as listed above. However, having proper protection on the trailer or recreational vehicle is another story. Is it a vehicle? Is it a residence? Actually it is both - a vehicle when it is moving and a residence when it is parked. As such, special insurance should be secured that provides automobile liability to meet state motor vehicle laws and physical damage coverage on the trailer as an option. You will also want to make sure you have liability coverage while the vehicle is parked and used as a temporary residence in the event you are legally liable for injuries to someone or damage to someone else's property.

Other specialized coverages for your travel trailer or motor home include Emergency Road Assistance to get your unit to a repair shop should it break down. Additional Living Expenses are also important as this pays for temporary housing, such as a hotel, and travel expenses so you can return home in the event your motor home is unable to be used for these purposes. Lastly, all the furniture and fixtures within the trailer or motor home should be inventoried to ensure they are insured sufficiently. After all, camping just would not be camping without your flat screen TV, DVD player and a few movies, right?

Before you take off for your own summer camping excursion, call or click to contact the knowledgeable agents at The Writer Agency, LLC:  308-436-4202 or www.insurance-by-katie.com .  We would be happy to discuss your unique situation and design an insurance protection program so that you can enjoy your vacation without worries (bug spray and ear plugs not included!)

Where have you vacationed lately?  Share your camping/travel experiences with us!

The Grizzly Bear That Ate My Car

Does my automobile insurance cover Grizzly Bears?

A man in Waterton National Park in Canada asked this question recently about his 18 month old Toyota Sequoia. (pictured here) 

There were no scratches on the outside of his car, but the vehicle was totaled. A grizzly bear had somehow got a door open (easy considering the way the handles are) and once inside, apparently was trapped when the door shut behind him.

The Toyota was a platinum edition. (Keyword - WAS) All the door panels were ripped off; the headliner torn to pieces; all headrests were destroyed; the leather seats and dash were shredded. The steering column was twisted sideways. Two of the six airbags were deployed and the other four were ripped to pieces. (You can imagine a trapped grizzly being hit with an airbag in an enclosed space! He must have figured he was in for the fight of his life ...and by the looks of this car, he won the fight.)

When the bear ripped off the door panels he also clawed all the wiring harnesses out. Toyota figures every wire he pulled or clawed resulted in alarm bells, voices or sparks.

The head mechanic at Calgary Toyota doubted if they had the expertise to put this vehicle back together, even if they had enough parts to do it.

And, to add insult to injury, the bear left a final "gift" in the back of the SUV (the experience literally scared the poop right out of him) ....and then he broke out the rear window.

Fish and wildlife officers have inspected the damage and figure it was a three year old Grizzly Bear.

So again we ask - does my automobile insurance cover Grizzly Bear?  
The answer is YES!

The vehicle was totaled by the insurance company. The cost new was over $70,000, and they stopped counting repair costs at $60,000+.

With all the strange things that life throws at us, it makes sense to be sure you are properly protected. Our agents at The Writer Agency, LLC can help give you peace of mind knowing you are protected against damages to your vehicle - even damage caused by a teddy bear!  Call 308-436-4202 or click http://www.insurance-by-katie.com/

Do you have a strange story about your automobile? Share it with us!

Summer Newsletter

Click HERE to access our Summer Newsletter.  Read about the potential "sand traps" associated with Birdies, Bogeys, and Banana Balls (what?).  Learn about ordinances and laws that could require you to demolish the undamaged part of your home or commercial building - and the fact that your cost to do so may or may not be covered by your insurance. Learn about the new Code Red emergency notification system and how to prepare yourself for this summer storm season and much, much more!

You can access past issues of our newsletter on our website: http://www.insurance-by-katie.com/. Enjoy!

Do you have a topic you would like to see addressed in our next issue?

Superfluous Swine

Hip, Hip, Hooray! Happy National Pig-in-a-Blanket Day! 

Certainly you remember this glorious day, when mom actually considered hot dogs "fine dining" and she allowed you to eat with your fingers and didn't scold you? Well, today is that day! 

The American tradition of Pigs-in-a-Blanket consists of hot dogs, Vienna sausages, or breakfast sausages wrapped in biscuit dough, croissant dough or a pancake and then baked until golden brown. Yum! 

But did you know there actually ARE pigs in blankets? 

Prime examples of these superfluous swine are the Curly Coat pigs of Lincolnshire in the east of England (extinct since 1972) and the Mangalitza pigs of Austria and Hungary who sport wooly sweaters - they are literally, pigs in blankets. 

If these pigs had starred in the film version of the "Three Little Pigs"  fairy tale, we might have been witness to a rendition including the famous one-liner, "And he huffed and he puffed and he............ laughed his you-know-what off!" However, that would not do justice to the blanket-like qualities that makes these pigs very hardy, helping them to survive in the harsh, damp and cold winters of their native lands. 

So, on these cool spring evenings, as you snuggle up in your "wooly" blanket don't fret about that Big Bad Wolf damaging your home. Our knowledgeable agents at The Writer Agency, LLC can help you protect your property from wind and other types of damage,  both natural and wolf-made.  Call 308-436-4202 or click http://www.insurance-by-katie.com/ today!

And don't worry, we won't tell these cute little guys what having a "pig-in-a-blanket" really means! Shhhhhh!

Levitated Lavatory Lamentations

The woman had successfully stuffed a week's worth of clothing, plus all the gifts and trinkets she had purchased while on vacation, into her carry-on bag.  She now awaited security with baited breath... Would she be among the "lucky" souls to win the "Meticulous-Take-Everything-Out-Of-Your-Bag-So-It-Won't-Fit-Back-In" Lottery? Or perhaps today she would hit the jackpot and be selected for the "Full-Body-Cavity-Search-Extravaganza"! One could only hope....

With fingers crossed and breath held in joyous anticipation, she inched closer to the unsmiling uniformed TSA officer. He stood with arms crossed and brow furrowed,  appearing as if at any moment he would utter Gandolf's commanding cry, "YOU SHALL NOT PASS!".  Quickly, she performed a mental inventory:  Proper sized carry-on bag ... Check.  All liquids under 3 ounces in one zip-locked baggie, out and ready for inspection ... Check.  All electronics and metal removed for inquiring minds who want to know ... Check. Shoes off ... Check.  (Socks ON, of course, because who wants to walk all over where other naked-footed passengers have trod...yuk!) 

The woman watched as her belongings were propelled like a herd of turtles through the X-ray machine. She took a tentative step forward and waited for the inevitable shrieking of the security detector to alert the intimidating officer (and the rest of the concourse) that she had committed an offense that must be akin to Al Capone or Jack the Ripper.  (If it were not such a heinous crime,  why else would that machine scream so loudly?)

But wait... What's this? No alarm was sounding, no Orcs were being turned loose from Mordor, no  captain of the guard was being summoned. She was waived on through without a second glance. Success!! 

As she reached her gate, the perky, twenty-something clerk announced that the plane had landed and boarding would begin as soon as the arriving passengers had debarked.   The woman smiled to herself at her good fortune as the gate clerk came across the intercom moments later, her lilting voice proclaiming:  "Ladies  and gentleman, there will be a slight delay in boarding....A passenger threw up in the lavatory of the plane and we need to get it cleaned up."


Hopefully your travels go smoother, with less "upset" than my recent excursion, but if not, at least you can rest easier knowing your homeowners/renters insurance protects your personal belongings anywhere in the world (at home, abroad, and anywhere in-between, including airplane lavatories). 

So plan that romantic dream vacation or fun-filled family trip with no worries (at least with respect to your personal possessions). Get answers to all your insurance questions before you travel, such as: Am I covered if I rent a car? What about renting a jet ski or golf cart? How do I protect my expensive camera or that "must have" piece of jewelry I buy while on vacation? 

Call or Click:  308-436-4202 or  www.insurance-by-katie.com .  

Safe travels and may all lavatories greet you with a " vacant" sign.  

Share your favorite vacation trip or harrowing travelling experience!

Spring Newsletter

My 2012 Spring Newsletter is now available! Click here to read about how "Love Me Tender" could turn rapidly into "Jailhouse Rock" (enjoying your favorite music could land you in legal and financial trouble). 

Review ways to protect your personal belongings while travelling (Spring Break is almost upon us, after all...yeah!) 

Explore the affordability of life insurance, the availability of pet insurance, and much, much more! 

You can access past issues of our newsletter on our website: http://www.insurance-by-katie.com/. Enjoy!

Do you have a topic you would like to see addressed in our next issue?

Attack of the Huge Green Monster

Bang! Bang! Bang! (loud expletive)....hammer, hammer, (very exuberant expletive) ....grunt, saw, saw, saw. (double expletive....) What do you mean I measured once and cut twice and it's still too short??? 

To anyone who has ever remodeled their house and lived to tell about  it, I salute you! 

Doing it yourself is certainly something to be proud of but how does a simple project end up turning into a huge green monster? 

Many years ago the idea of adding  a "small" glass sun room on the back of our house (drawn meticulously on a napkin of course)  turned into a less "small" living room-dining room-garage extension project. Don't get me wrong, our family has enjoyed that additional space tremendously since then, but apparently we mentally blocked the "pain" for our protection, because unwittingly we are now smack dab in the middle of another "small" project - wood flooring for the basement. As with the prior remodeling endeavor, this "simple wood floor" project, has escaped it's cage , evolved exponentially and has taken on a life of its own as a complete renovation of the basement including leveling the concrete slab for the wood flooring, new lighting, refreshed painting, ceiling and wall repair, updated baseboards, new doors, and of course, brand new furniture once we are finished. (can you say "I love you, IKEA"?). 

Don't get me wrong, I really do love getting my hands dirty and my husband is a genius when it comes to home improvement,  it just never seems to go as quickly (or as inexpensively) as originally anticipated. I think it's a conspiracy!

Case in point:  I am entrusted with a seemingly simple mission of locating oak trim that is 2 inches wide. I feel I can handle the assignment so off to the home improvement store I go!  After wandering aimlessly up one aisle and down another, I find what I am looking for --- or so I am tricked into believing. (Refer to the photo for full visual impact of the horror).  The measurement is listed as  1/4" by 2" by 4".  I privately congratulate myself on such skillful execution of this mission --- 2 inch oak trim needed... 2 inch oak trim located -- and I prepare to pay for my selection. BUT WAIT!  My keen eyes fall upon the conspiratorial "actual size" - 1/4" by 1 1/2" by 48".  One and one half inches....What's up with that???? 

Despite this unexplainable strangeness, I can see the light at the end of the construction tunnel (of course it helps that we have already put up the new light fixtures but...)  I am sure that the results, should we live through them, will be well worth the effort!

If you have undertaken a similar home improvement mission, after your project is complete and you can sit back and admire your handwork, don't forget to call me, your insurance agent, so I can admire it too. (And make sure your insurance coverage is still adequate to provide sufficient protection).  After all, doing it yourself is "fun" enough ONCE, but if your improvements have the misfortune of some future damaging loss event, I am sure you will want to have the funds to hire someone else to do the repairs the SECOND time. And let THEM deal with the peculiarities of construction measurements!

Call our agents at The Writer Agency, LLC 308-436-4202 or click: http://www.insurance-by-katie.com/ to see how we might help you today!

Do you have any "interesting" remodeling stories or photos to share? Post them here!