Tom Lease and Delaney Insurance

04/11/2025

Leaves, pine needles and twigs that may have collected in your gutters over the winter can cause water damage to your home. Time to declutter! To learn more, visit Travelers.com

02/19/2024

We know everyone is frustrated with insurance premiums going through the roof! We are always here to take a look and see if we can improve your situation.

Learn how to lower your homeowners insurance premium by taking advantage of lesser-known discounts and other creative approaches.

01/02/2024

During this busy time of scurrying around and fluttering about, we take time to paws – and hope you do, too.

11/23/2023

Whether with family, friends, colleagues or strangers (i.e.: just friends waiting to happen) we hope you’ll spend this time giving thanks this holiday season.

08/17/2023

Make sure you have the right agent that will walk you through the process so you don't make unnecessary claims that will stay on your insurance history..... even if nothing is paid out!

Sometimes it makes more sense not to file a claim. Here are some things to consider before deciding to file an insurance claim.

08/17/2023

What to know about when NOT to file an Insurance claim!!

If you want to avoid the insurance rate hike that often follows a claim, here are five circumstances in which it is better not to file a claim.

08/17/2023

4 Common Home Insurance Mistakes to Avoid

Owning a home comes with plenty of responsibility. From regular home maintenance to investing in the right insurance coverage to fit your needs, there are many different aspects of home ownership that require your time and lots of research. However, even the most cautious and well-prepared homeowners can be tempted by an insurance policy that seems too good to be true. Making assumptions and only thinking about price when you shop for insurance coverage can be very risky. So whether you’re a new homeowner looking for the right fit or you’re taking the time to review your current policy, be sure to avoid making one or more common home insurance mistakes.

1. Under-Insuring Your Home
While this may seem like a no-brainer, many homeowners decide to go with the least amount of coverage available in an effort to save money. Purchasing a policy just to cover your mortgage may be beneficial to you in the short-term but in the event of a natural disaster or accident, you’ll want to have coverage that will allow you to completely rebuild your home.

2. Setting Your Deductible Incorrectly
Most homeowners set their deductible either too high or too low in an effort to save more money. While this may sound good in theory, your plan is likely to backfire. If you set your deductible too low, you’ll end up having to pay more when something goes wrong. If it is too high, you’ll be stuck with larger premium payments. As a good rule of thumb, your deductible should be set at either $500 or $1000.

3. Forgetting About Discounts
You may be eligible for a number of different discounts for everything from installing new smoke detectors in your home to bundling your auto and home insurance coverage with the same agent. If you aren’t looking into the discounts you have available to you, you could be paying much more for your homeowner’s insurance policy than you need to.

4. Not Customizing Your Coverage
Every home is unique, just like every homeowner has different needs. As you look at home insurance coverage, keep in mind that there are certain hazards that you should be prepared for that may not be included in a standard policy. For example, flood insurance is not typically included in home insurance policies but if you live in a flood zone, you definitely need to purchase coverage.

08/17/2023

https://www.bankrate.com/insurance/car/savings/

TIPS TO SAVE $$$ ON YOUR CAR INSURANCE

Car insurance rates aren’t set in stone: Here are 6 tips for reducing your costs