Due to the Covid19 outbreak our office is closed to the public.  All agents are working remotely. 
You can reach us at office@ewinghines.com or you can call the office and follow the directions
to reach your agent. An agent will call you back as soon as they are available.

When we think of Halloween, we think of costumes, trick-or-treating and celebration – one night when the streets are filled with ghosts, goblins, superheroes and more.

If you’ve made sure to provide the best flame-retardant costume, comfortable shoes, a flashlight and the warning not to eat anything until all the candy is checked, you might feel that all is well. But actually, there are a few other considerations that you might be forgetting.

After dark on the streets of your neighborhood, there are threats to those traveling through your neighborhood as well as your children. In their article, "4 Lesser-Known Halloween Safety Tips" Erie Insurance offers some advice that will help you have an even safer Halloween experience.

Read the entire article at Erie Insurance...>

With about 3.7 million home invasions happening each year in the United States, it is possible that burglars could well gain access to your home. One of a variety of methods that has has recently gained popularity among thieves is lock bumping.  It is not well known, although many people have heard of it due to the increased media attention and how-to online videos It involves using a bump key, which is a specially-manipulated key used to pick a lock.

You might believe that your home is locked up tight, but an burglar using a bump key can find his way inside in no more than a few seconds.

To learn how an intruder would use a bump key to enter your home and how you can avoid becoming a victim of this sort of crime, read the entire article at Erie Insurance...>

Most people will tell you that their biggest asset is their home. Of course, that’s why it’s so important to have the right homeowners insurance for it.

What is interesting is that, according to Erie Insurance, the five most common causes of homeowners claims come from Mother Nature, herself; and those top five causes of homeowners insurance claims at Erie Insurance include hail, wind, water, fire and the weight of snow and ice on a roof.

Read the entire article at Erie Insurance to learn much more about each of these threats to your home and find out how you can prevent the damage they cause.

•  Hail: Even small pieces of hail can cause big damage. Learn more about hail and how insurance covers hail damage.
• Wind:  Heavy winds, tornadoes, hurricanes--wind is one of the most destructive forces on earth. Find out how you can prepare for wind-related weather events.
• Water: Whether it’s from a natural source like a lake or river or from a pipe in your wall, water has the potential to cause a lot of damage. Learn about the ways water can soak your home and how you can prevent it from happening.
• Fire: Fires have many causes. Get the top tips to protect your home from this threat. 
• Weight of ice and snow on the roof: Winter can wreak havoc on roofs. Fortunately, there are ways to protect yours.

We all welcome the warmer temperatures and greening landscape that spring brings.  But with the arrival of spring comes the threat of severe weather. Heavy rains cause flooding.  High winds can damage the roof, siding or other exterior features of your home.  Lightening has the potential to damage your home’s electrical system and can even cause fire.  Depending upon your location, you might also be threatened by hurricanes or tornadoes.

So, as homeowners, how should we protect our home and property from the ravages of spring storms? 

The experienced insurance agents at Ewing Hines & Associates suggest the following things to do before, during and after severe storms.

Well before a storm is forecast…

• Inspect your home and property for potential problems.
• Trim trees and remove dead or loose branches.
• Be sure that gutters and drains are free of debris.
• Check the roof of your home for loose shingles.

When a storm is approaching…

• Move patio furniture and other lightweight items such as trash cans to the inside.
• Check your pool cover to see that it is secure.
• If your home is threatened by hurricane or tornado, take additional precautions as recommended by weather.com.

After a severe storm has passed…

• Check your home and property for damage as soon as possible after the storm.
• Report any damages to your insurance agent immediately.

The key to protecting yourself against severe spring storms is being informed and prepared in advance.

Take the time to review your insurance policy with your agent well in advance to be sure you’ll be covered for possible storm damage. Remember that flooding is not covered by your homeowners policy but requires a separate flood insurance policy.