When temperatures drop, space heaters become a go-to solution for quick warmth. They’re convenient, affordable, and effective — but they’re also involved in a surprising number of home insurance claims every winter. The good news? Most space heater incidents are preventable. Let’s walk through the key safety rules that can help keep your home safe and avoid costly damage. Why Space Heaters Can Be Risky Space heaters generate high levels of heat in concentrated areas. When com

Smart ways to lower your premium without cutting the coverage you need. If you’ve noticed your insurance rates rising lately, you’re not alone. Between inflation, repair costs, and higher claim frequency across the country, premiums have increased for many drivers and homeowners. The good news? There are still plenty  of ways to save — and many of them don’t require reducing your protection. At Cushman Insurance, we help clients find savings every day by reviewing policies, u

Every year, we imagine Santa landing smoothly on snowy rooftops, sliding down chimneys, and delivering gifts with ease. But if we’re being realistic… winter weather conditions, icy shingles, and steep roofs could turn even Santa’s visit into a slip-and-fall scenario. It’s a playful question — but it opens the door to something very real: liability coverage and what it actually protects. So, what would  happen if Santa had an accident on your property? Homeowners Insurance Inc

As temperatures drop and winter approaches, many homeowners focus on preparing their homes for snow, ice, and freezing temperatures — cleaning gutters, sealing windows, scheduling furnace checkups, and stocking up on cold-weather essentials.  But there’s one important task that often gets overlooked: reviewing your home insurance policy. A quick policy checkup can provide peace of mind, prevent financial surprises, and ensure you’re fully protected against seasonal risks. He