Learning Center
Everything You Need to Know About Insuring a Second Home
May 21, 2024 6 minute read
Everything You Need to Know About Insuring a Second Home
Owning a second home is an exciting milestone that comes with the responsibility of ensuring it’s adequately protected. This blog post covers everything you need to know about insuring your second home for peace of mind.
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Understanding Actual Cash Value: What It Is and Why It Matters
May 3, 2024 4 minute read
Understanding Actual Cash Value: What It Is and Why It Matters
In this post, we explain the concept of Actual Cash Value (ACV) and the critical role it plays in determining the payout from insurance claims. 
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Navigating the Hidden Dangers of Attractive Nuisances
April 2, 2024 3 minute read
Navigating the Hidden Dangers of Attractive Nuisances
This post discusses "attractive nuisances," highlighting how certain appealing features at our homes can be risky for children. We share practical advice for homeowners on identifying and mitigating these dangers to ensure a safe and welcoming environment.
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Navigating Insurance Changes After Divorce: A Guide for Home and Auto Policies
March 5, 2024
Navigating Insurance Changes After Divorce: A Guide for Home and Auto Policies
In this post, we offer comprehensive guidance on navigating property and auto insurance updates during a divorce. 
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Everything You Need to Know About Insuring Your Jewelry
February 16, 2024 3 minute read
Everything You Need to Know About Insuring Your Jewelry
Discover jewelry insurance essentials: navigate policy limits, unlock endorsements, and ensure regular updates for ultimate protection.
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How Safe Are Wood Stoves? A Homeowner's Guide to Safety and Insurance
December 20, 2023 4 minute read
How Safe Are Wood Stoves? A Homeowner's Guide to Safety and Insurance
As winter approaches, learn how to safely enjoy the cozy warmth of wood stoves while understanding their impact on your home insurance.
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Holiday Season Safety: Insurance Tips for Home and Business Owners
December 11, 2023 5 minute read
Holiday Season Safety: Insurance Tips for Home and Business Owners
Navigate holiday safety for homes and businesses with essential tips on fire-safe decorations, securing properties, and choosing the right insurance coverage for a worry-free festive season.
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Choosing Your Insurance Payment Plan: Monthly vs. Annual Premiums
November 21, 2023 3 minute read
Choosing Your Insurance Payment Plan: Monthly vs. Annual Premiums
This post discusses the pros and cons of monthly versus annual insurance premium payments, offering insights to assist you in making the best choice for your financial situation. 
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10 Best Holiday Safety Gifts for Home and Car Protection
November 15, 2023 2 minute read
10 Best Holiday Safety Gifts for Home and Car Protection
In this blog post, we present the top 10 safety gifts for the holiday season, aimed at enhancing the well-being of your loved ones at home and on the road.
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Behind the Numbers: How Personal Insurance Pricing Works
October 6, 2023 4 minute read
Behind the Numbers: How Personal Insurance Pricing Works
At Chalmers, we're here to help you understand how insurance pricing works. In this post, we'll guide you through its complexities and offer tips to maximize your savings, ensuring you make informed decisions.
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Bundling Home and Auto Insurance: Tailored Insights for Modern Families
September 7, 2023 3 minute read
Bundling Home and Auto Insurance: Tailored Insights for Modern Families
Discover how bundling home and auto policies can offer modern families both peace of mind and surprising savings.
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The Hidden Threat of Mold and the Importance of Proper Insurance: A Homeowner's Tale
September 5, 2023 4 minute read
The Hidden Threat of Mold and the Importance of Proper Insurance: A Homeowner's Tale
Discover one homeowner's unexpected attic ordeal with mold and learn how the right insurance coverage made all the difference.
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Everything You Need to Know About Insuring Your Swimming Pool
July 12, 2023 4 minute read
Everything You Need to Know About Insuring Your Swimming Pool
Pools can be dangerous. With wet surfaces, drowning risks, and running/jumping in and around the pool, there is an increased risk of injuries. To better cover this risk, you should consider increasing your personal liability coverage on your homeowners' policy. 
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Why Insurance Premiums Are Going Up
May 31, 2023 6 minute read
Why Insurance Premiums Are Going Up
If you own a home, you may have noticed a recent increase in your insurance premium. Why is this? In this post, we’ll help you understand why premiums are rising, and why a yearly review of your coverage with an independent agent is critical.
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Tips for Navigating Your Auto Insurance in 2023
March 30, 2023 3 minute read
Tips for Navigating Your Auto Insurance in 2023
In this blog post, we outline some of the reasons why auto rates have been rising. We also provide our best tips for finding affordable coverage. 
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Homeowners Insurance and the Rising Cost of Building Materials
June 23, 2021
Homeowners Insurance and the Rising Cost of Building Materials
Increased building material and construction prices could lead to higher homeowners insurance claim expenses, as it would currently cost more to repair or rebuild a home following a loss.
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Remodeling Your Home: Insurance Considerations
April 14, 2021
Remodeling Your Home: Insurance Considerations
You’ve hired a reputable builder, collected paint swatches and selected the siding and now you’re finally ready to start that long-awaited remodeling project. Whether your addition budget is large or small, you are adding to both the value of your home and your exposure to risk. To ensure that your project goes smoothly and that you have the coverage you need, here’s what you need to…
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Insurance Tips for First-Time Home Buyers: Your 2023 Guide
May 16, 2020 3 minute read
Insurance Tips for First-Time Home Buyers: Your 2023 Guide
Navigate the complexities of securing your first home with ease: discover insider tips on homeowners insurance, from understanding policies to saving on premiums and avoiding underinsurance pitfalls.
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Smart Security: Modern Tools for Safeguarding Your Home and Family
April 13, 2020 3 minute read
Smart Security: Modern Tools for Safeguarding Your Home and Family
Explore cutting-edge technologies—from doorbell cameras to smart smoke detectors—that are revolutionizing home security, making it easier than ever to protect your family and property while potentially lowering your insurance premiums.
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Securing Peace of Mind: Insurance Options for Your Second Home
March 10, 2020 4 minute read
Securing Peace of Mind: Insurance Options for Your Second Home
Owning a second home—whether for vacation, rental income, or a combination of both—can be immensely rewarding. However, it also comes with its own unique set of insurance needs. In this post, we’ll explore the various coverage options available for second homes and why they are crucial for protecting your valuable investment. Standard Homeowners Insurance Package: A Starting Point At a…
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Tips for Renting Out Your Home
February 9, 2020
Tips for Renting Out Your Home
You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an ideal solution for families with extra room to spare, it can create issues for those who don’t properly prepare. To get the most out of renting out your home, keep in mind the following: Review the terms of your insurance policy closely and talk with…
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"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
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"The Chalmers Group was super friendly, energetic and somehow made me feel happy about purchasing insurance, something I thought I would never say in my life. They were kind, honest, and more than you could wish for while shopping for something as mundane as insurance. Six out of five stars. "
- Jordan P.
"Chalmers was excellent throughout the process. They improved our coverage and ultimately reduced our premium. My agent communicated where there were differences and prepared a nice comparison of coverage. I was happy to place our coverage with Chalmers. "
- Susan A.
"Chalmers was quick to help me with a problem; my agent was knowledgeable and super supportive. I appreciate the professionalism and sense of humor. Overall, it was a wonderful experience. "
- Jan H.
"Chalmers walked me through everything in detail. They were fast to respond, friendly and knowledgeable."
- Sean G.
"My Chalmers agent was very helpful, knowledgeable, and patient with the process. To sum it up, the only thing better than my Chalmers agent would be two of her. "
- Richard S.
"Chalmers made it super simple and I had coverage before my lunch break was over. I was very satisfied. "
- Geoffrey P.
"My Chalmers agent answered all of my questions, explained insurance jargon to me, and was polite and knowledgeable. "
- Jennifer T.
"I appreciate how friendly the Chalmers Group is when I talk to them. They always have a positive attitude. "
- Amanda H.
"Always available and always kind. Chalmers works to find solutions."
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"I appreciate being able to talk to an actual person who is both knowledgeable and helpful."
- Duke M.
"Helpful, knowledgeable staff that truly cares and takes the time to make a personal connection!"
- Aaron C.
"My interactions with Chalmers have always been flawless: quick, informative, highly professional. Having my home insured with Chalmers makes me feel good!"
- Client since 2016