Chad Lacy - Insurance Sales Agent

10/16/2026

Think your house might have paranormal activity? 👻 While "ghosts did it" won't fly as an insurance claim, homeowners insurance can cover damage caused by a covered peril—whether that's fire, vandalism, wind, or water damage. 🔥💦💨 The key? You need documented, provable damage tied to an actual covered cause.

The bottom line: Insurance protects against real risks, not supernatural explanations. If something in your home is damaged, focus on the how (fire, theft, weather) rather than the who (ghosts!). That's what your policy actually covers! Got a spooky property situation? Talk to your insurance agent about what's actually covered. 📞

10/16/2026

Today is World Food Day. One in twelve people worldwide still faces hunger — a food drive, a donation or an afternoon at the local pantry all count toward making a change. Learn more:

The United Nations observes designated days, weeks, years, and decades, each with a theme, or topic. By creating special observances, the United Nations promotes international awareness and action on these issues. The majority of observances have been established by resolutions of the United Nations...

10/15/2026

Cold spots and strange noises? Before you call the Ghostbusters, try an energy auditor. Here’s how to find out if your new or vacant home is haunted:

If you're asking "Is my house haunted?" these unexplainable occurrences may mean your home has paranormal visitors.

10/14/2026

Cold spots and strange noises? Before you call the Ghostbusters, use these tips to find out if your home is haunted! Whether your home is actually haunted or just creaky, make sure it's properly protected. Review your home policy today—the only thing that should scare you is being underinsured! 👻🏠

10/14/2026

A vacant home can be a bargain or a money pit. Get the inspection, check the plumbing, look for critters and budget for surprises. What to watch for:

Why buy a vacant home? One of the biggest perks is being able to make the home whatever you want it to be. Before you purchase a vacant home, here are a few things to do and watch out for.

10/13/2026

Where do you store your RV? Indoor storage shields your RV from sun, snow and prying eyes, but it costs more. Outdoor works fine with a breathable cover and the right prep. Weigh your options:

With winter fast approaching, many are planning on storing an RV for the off-season. This week, we talk about the most efficient ways to do that and what procedures should be followed so that when spring comes, the RV is ready for the road again. Our guest on RV Podcast Episode 419 is Master Certifi...

10/12/2026

Fall can be a deceptively dangerous time of year for drivers. 🍂 🚗 Ice, deer, fog, and, and wet roads can all present unique challenges. Keep your fleet and drivers safe with these essential fall driving tips! Let's chat about keeping you accident-free this season!

10/12/2026

Gutters, furnace filter, weatherstripping, outdoor spigots. An hour of fall maintenance now beats a claim in February. Here's the full checklist:

Feel that nip in the air? Fall has arrived! Here's how to get your home and yard ready for winter before it's too late.

10/09/2026

This spooky season, follow these essential electrical and fire safety tips while decorating:

🔍 Inspect decorations and cords before hanging—discard anything with damage or frayed wires
🏷️ Use outdoor-rated products outdoors only (never bring indoor décor outside!)
🔌 Plug into GFCI-protected circuits to prevent electrical shocks
⚡ Avoid overloading outlets with too many lights or decorations
⛓️ Keep cords out of walkways so trick-or-treaters stay safe
🧯 Choose flame-resistant decorations and keep them away from candles and heaters
🚫 Skip dried flowers, cornstalks, and hay near any heat sources—they're highly flammable!
🔦 Use battery-operated candles in jack-o'-lanterns instead of real flames
⏰ Turn OFF all decorations before bed or leaving home
👶 Keep button batteries away from children—they're in many decorations and toys
✅ Use only certified electrical products (look for UL, ETL, or CSA markings)

10/09/2026

Space heater season. Keep anything that burns three feet away, set heaters on a hard, level surface, and never run one while you sleep. More heating safety tips:

Almost half of all families in the United States use alternate heating sources in place of or in addition to a furnace. However, heating equipment can be dangerous if not used properly. Whatever methods you choose to heat your home this winter, take the following precautions to stay both warm and sa...