Perfection isn’t a reality, which is why liability insurance is important. You can avoid financial ruin if you accidentally cause major injuries or property damage to others. The problem is, your insurance isn’t perfect, either. That’s where a personal umbrella insurance policy comes in. If you’re sued for damages that exceed the liability limits of […] Read More

Posted by Tim Sine in: blog

Tagged: Personal Insurance Personal Umbrella Insurance Sine Insurance Umbrella Insurance

When the winter chill sets in, most homeowners utilize a variety of heating sources, such as space heaters, wood-burning fires, or create a cozy ambiance of candles. But safety should be top of mind when these are used since they pose a risk as potential fire hazards. Keep your family and home safe this winter […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Heater Safety home insurance MO Homeowners Insurance homeowners insurance MO Personal Insurance Sine Insurance Winter Home Safety

A roof inspection is a proactive maintenance task that’s easy to overlook. Add a once-a-year reminder on your calendar to go out on a warm day and address any potential issues. There’s no need to get up on your roof just yet. The less you walk around up there, the better for your roofing, and […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Homeowners Insurance Roof Prep Roof Repair Roof Safety Sine Insurance Winter Home Preparation Winter Home Safety

Over the years, auto-pilot may have set in, but you must stay on top of your home maintenance to-dos by and tackle certain homeowners’ projects once a year. Drain Your Hot Water Heater Sediment builds up over time at the bottom of the tank, causing corrosion. Partial draining removes the sediment and keeps the heater […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Annual Home Maintenance home maintenance Homeowners Insurance Personal Insurance Sine Insurance

Every business is only as good as its owner, especially in the early days when it’s still growing. As a business owner, in addition to being the face of your business, you’re in a position where you can inspire your employees and drive the growth of your business. To achieve success in your business, acquiring […] Read More

Posted by Tim Sine in: blog Business Insurance

Tagged: BOP Business Insurance Business Owner Business Owners Policy How to be a Good Business Owner Sine Insurance

In our last post, we went over some easy fixes to some common winter home problems. Freezing temperatures and a lot of moisture lead to plenty of typical homeowner problems, including the need to heat your home constantly. In this article, we’re going to explore some ways that you can save money on your utility […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Homeowners Insurance ISU Insurance Sine Insurance