"Have your furnace inspected to make sure that it will operate properly in cold weather. Clean filters and vents will go a long way to keep your furnace a source or warmth rather than a cause of a fire loss. An inspection should also make certain that your furnace is not a creating a dangerous carbon monoxide buildup. Once a year, before the winter season is always your best option."

John describes what exactly a "deductible" is, and what effects it has on your home insurance policy. With this information, you can choose a deductible amount that is right for you.

"September is National Preparedness Month! With all of the wind and rain coming our way lately, now is a good time to evaluate your emergency plans in the case of a major storm."