5 Steps to an Easier Moving Day

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Most people dread moving day, and it’s never going to be any fun. However, with a few simple steps, you can make the dreaded day just a bit easier.

Step #1 – Have a Great Packing Kit

Start out by making sure you have a kit of everything you’ll need for packing. This kit should include different types of duct tape, permanent markers, pens, some scissors, a snack, a notebook, and some water. You’ll find all of these things handy before and on moving day.

Step #2 – Ask Around for Boxes

You’re already blowing a lot of money on your move, so don’t spend more money on moving boxes. Instead, talk to people you know to see if you can get some free boxes. Many hardware stores and grocery stores are happy to give away their empty boxes.

Step #3 – Keep Track of What You Pack

It’s easy to write a generic label on a box and then you have no idea where the bedding ends up when you’re ready to unpack. Make moving day easier by keeping track of what you pack in a notebook. Give every box a number and write down what’s in the box in your notebook. This way it’s easy to figure out where everything is.

Step #4 – Have a Special Box for the First Night

You probably don’t want to unpack everything to find what you need for that first night. Make it all simple by packing a special box for the first night. Make sure you have all the essentials on hand, such as toothbrush and toothpaste, toilet paper, change of clothes, towels and washcloths, and cups.

Step #5 – Use More Than Boxes

Don’t get stuck in the rut of just using boxes. Many items can be packed in garbage bags, such as bedding, pillows, pajamas, and other items that don’t need to be kept wrinkle-free or stored flat.

Once you move, it’s important to ensure your new home is insured. Find out about your home insurance options by contacting the Stonewall Grace Insurance group today.

Stay calm to avoid road rage

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Road rage is becoming more of a problem as roads get more crowded and people feel stressed. People have even been killed in a fit of road rage, which is doing anything while driving to endanger another person. Sometimes there are fights – or even shootings – when people eventually stop their cars. Road rage happens when people feel their space has been invaded.

"With road rage, you’re basically driving under the influence of impaired emotions," says Leon James, PhD, a professor of psychology at University of Hawaii. He said controlling thoughts, feelings and actions are the key to avoiding letting emotions get out of control.

Here are some tips to avoid letting yourself get to the point of having a road rage event.

  • Slow down. Drive slower and in a more relaxed way. That will keep the stress level down .
  • Remember courtesy. Yes, you may be right, but ask yourself is it worth getting upset about.  It certainly isn’t worth getting into an altercation and going to jail over.
  • Give the other driver the benefit of the doubt. They may have no idea what they have done.  Remember you may also have done something unintentional as well, that bothered other drivers.
  • Music soothes the savage breast. Listen to light music that is relaxing. Avoid loud, hard driving music with a lot of bass  that can actually make you more stressed.
  • Pay attention to yourself. If you are stressed already, it will be easier to get upset at another driver. Try relaxation techniques such as deep breaths and if you are driving, stretch and flex your hands to help them relax. A little intentional de-stressing and help.

While you are relaxed, visit Stonewall Grace Insurance for all your automotive insurance needs. Let our professionals find the policy that is right for you and your family.

A First-Time ATV Owner’s Guide to ATV Insurance

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These days, more and more people are discovering the great outdoors with the help of All-Terrain Vehicles (ATVs).  While these recreational vehicles can be an exciting way to explore those backcountry trails, they can be tricky for new riders.  Following these easy tips will help keep your ATV riding safe and enjoyable.

Keep Things Simple. 

If you’re a first-time rider, don’t buy the most souped-up ATV on the market, even if it is the flashiest.  A simpler machine will be easier to control and won’t overpower you.  In general, try to look for ATVs with an automatic transmission and a 200-400cc engine.

Safety First

There are few things less fun than an ATV ride that ends with a trip to the emergency room.  At minimum, always make sure you wear a proper motorcycle helmet, goggles, over-the-ankle boots, gloves, long pants, and long sleeves.  You might also invest in shin pads, a chest protector, and knee, elbow, and wrist guards for additional protection.

Practice

Many states require new ATV owners to complete a safety course if they’re under a certain age.  But you don’t have to be a kid to benefit from these classes.  As you get started riding an ATV, you’ll also want to stick to simple, flat terrain until you get the hang of riding.  As you gain experience, you can graduate to more challenging trails and routes.

Insurance and Paperwork

Many states require ATVs to be titled like cars; additionally, you often must have a permit and pay fees to ride on public trails.  Even if your state does not require ATV insurance, you may want to have it on hand for liability purposes, as homeowner’s insurance may not cover liability if you ride off your property.  Also, insurance can cover you in the event your ATV is ever stolen.  Make sure you register and insure your ATV appropriately, and look into season passes through the U.S. Forest Service.

At Stonewall Grace Insurance, we are committed to helping you stay safe when you’re out on the trails.  Call today to learn more about insurance coverage for your ATV, RV, or any other recreational vehicles you might own.  Our agents look forward to helping you.

How to Give Back to Your Local Community

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At the beginning of the year, many people make resolutions that they struggle to keep. One resolution that will have a lasting effect and be easy to keep is giving back to your community. Giving back to your community creates a sense of joy that’s hard to mimic. And, it’s contagious. When others see you giving back, they will be motivated to do the same. The following are ways you can start giving back to your community.

Collect Supplies for Victims of Disasters

Whether you know a family who has experienced a fire or a flood, you can help them. You can organize a drive within your local area and give them the supplies they lost during their ordeal. With supplies and other resources, many families can get back on their feet in a few months; however, in the absence of your help, it may take longer.

Cook for Homebound Individuals

There are many seniors who are homebound due to illness or lack of resources. These individuals may not have the food they need to eat a home-cooked meal each day. If you only donate to a few homes, you will find that you can lighten the burden of so many who do not have access to assistance.

Repair Clothing for the Homeless

When a person is homeless, one of the last things they may be concerned with is what they have to wear. However, their clothing is critical to their survival. You can mend and donate old clothing and give it to homeless people so that they are warm during the cold months.

At Stonewall Grace Insurance, we believe that giving back to your community will ultimately help you. We encourage you to make a difference by volunteering or donating money to charities within your community.

While you are giving back, you should put your safety first. Make sure you have adequate auto insurance by comparing the coverage you have to the coverage on our website. If you have any questions about the coverage we offer, we will gladly answers your questions over the phone or in person.

Learning About Driving Abroad

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Driving abroad requires a lot of attention to detail. Particularly if you are going to be flying overseas first, you are also going to be dealing with a rental car. Following a few tips can help to keep you safer on the foreign roads.

Your Rental Car

Know about the rental car that you are going to be driving. The steering will may be on the other side and manual transmission may be the only option. Ask a few questions about where windshield wipers and headlights are located if you cannot find the right away before you drive off of the rental car lot.

The Roads

Familiarize yourself with the roads that you are going to be driving on. This includes researching what road signs are going to look like. You may also need to prepare for driving on the other side of the road. There may also be some different laws, and it’s a good idea to know what they are so that you don’t inadvertently get pulled over.

Directions

The directions to where you are going are important, and you may not want to depend solely on paper maps. You can likely rent a GPS on your rental car company, and this will ensure that the international maps have been loaded.

Other Details

Knowing more about the city you will be driving in can help tremendously. Many European cities have narrow streets and heavy congestion, which can be overwhelming if you have never driven there before. In some instances, you may want to park your car and take public transportation.

At Stonewall Grace Insurance, we are committed to helping you stay safe on the roads. Call today and learn more about auto insurance, coverage, and ways to get an affordable auto policy. Our agents look forward to helping you.

 

Homeowner’s Insurance for Buena Vista, Virginia Lifestyle

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Buena Vista, Virginia is home of America’s finest, natural locations. Both locals and visitors often relish in the area’s Blue & Grey Heritage Tours, spanning across several, wonderful, locations. Global Travel International has served the area for decades, facilitating both growth and exploration. Often, homeowners venture towards Boxerwood Gardens, near Boxerwood area neighborhoods, to witness the state’s lush collection of national wildlife and gardens. Regardless of visitation reasons, newcomers are urged to contact the local Visitors Center for news, updates and annual event information.

Individual Homeowner Options

Where tourist attractions, daily excursions and family living are considered, however, many access homeowners insurance to maintain high lifestyle inclusions. As your independent insurance provider, we’re ready to assist any concerns and innovative approaches to local insurance areas—providing solutions to common structural concerns.

The National Association of Insurance Commissioners guarantees homeowners protection from undue damage within households. While the state’s laws may vary on a situation-to-situation basis, many area damages are covered, including the following:

  • Foundation
  • Porch
  • Windows
  • Entryways
  • Outdoor decking

Protecting the Household through Preventative Measures

Sinking foundations and mortgage coverage aren’t necessarily exclusive to one another, and a mortgage may require financial assistance when supporting household damages. Where natural damages and degradations are considered, our personal agents assist individuals with financial options and aid.

Options and Inclusions

Typically, various options exist to support an individual’s dwelling—capable of alleviating damage expenses while supporting additional structure installations. Similarly, personal property is often accommodated for, including the following areas:

  • Personal liability
  • Physical possessions
  • Legal liability
  • Loss of use

Repair times are often covered, too, though personal situations may not accommodate for loss of use during repair sessions. Individuals are urged to contact our services when selecting a plan, due to various insurance coverages adhering to state legislation. For more information, contact us today, and explore a variety of options available to the area’s loving community.

Get a Quote from the Best Life Insurance Agents in Buena Vista, Virginia

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Most residents of Buena Vista, Virginia would probably like to spend their days at the Vista Links Golf Course instead of shopping for life insurance. That is why Stonewall Grace Insurance makes getting a quote simple and easy. Although it is a subject that many would prefer to put off, getting the right life insurance coverage to protect your loved ones should not be delayed.

Trust the Best Independent Agents in Buena Vista

As a small town Virginia insurance agency, we understand the importance of family. That is why planning ahead to care for your loved ones after your passing is an important part of our business.

Planning ahead with a coverage policy that follows state terms in Virginia can keep your loved ones from added stress and grief after your passing. You can easily choose from whole or term-life policy that will bring comfort and peace of mind to your family in an already difficult time.

Get the Best Coverage from Independent Agents

Get a quote today and take the first step towards a secure future for your family. Start by getting an initial quote and from there our independent agents will work closely with you to find the best life insurance coverage to fit your needs.

When you have excellent coverage you will be able to save your loved ones from dealing with uncertainty after your passing. From funeral costs to supplementing a normal income after your passing, the proper policy can provide the help your loved ones need.

Don’t leave your family behind without the correct level of protection. Get a quote from Stonewall Grace Insurance in Buena Vista today. We look forward to helping you plan ahead for your family’s future.

Getting Health Insurance Coverage in Buena Vista, Virginia

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Buena Vista, Virginia is a stellar place to raise a family away from the hustle and bustle of the city. The Blue Ridge Mountains provide a scenic border to the area, while the Maury River gives you an excellent recreation spot during warmer months. Health insurance provides you with a way to stay healthy enough to enjoy the natural vistas and untouched forests this area is known for.

Health coverage for yourself and your spouse doesn’t have to take up a significant chunk of your budget. Look through health insurance options to know how to bring down your costs without sacrificing your health insurance coverage.

The biggest impact on your insurance costs is whether you have a high deductible or not. A high deductible means you have more to pay before the insurance company begins providing coverage for your medical issues. Exceptionally high deductible policies are called catastrophic coverage, which gives you coverage for major medical problems. If you want a policy for more routine medical bills, you’re going to pay higher monthly premiums but a lower deductible overall. Some plans don’t have any deductible at all, although you may need to pay co-pays for doctor visits and prescriptions.

When you have health insurance, you need to check that your preferred doctors participate with that particular type of insurance. Not all doctor offices support the same insurance companies, although the companies often have lists of providers who work with them. If you have a question about your health insurance coverage for yourself and your spouse, our local agents in Virginia are happy to guide you through your decision making process and provide you with all the information you need.

Virginia Storm Damage Protection for Your Home

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No matter what lifestyle you are seeking, Virginia is a terrific place to call home. You can select the salt life of the Southeast, choosing to live in the Virginia Beach Area. You may choose to live in the bustling Washington D.C. area of Arlington. You can catch a NASCAR race at Bristol or spend the weekend in the mountains along the state’s Northern edge. We have our big cities and we have our tiny towns. We also have our fair share of damaging weather.

While many from the Northeast part of the U.S. move here to take advantage our more moderate climate, we can still experience a storm any time of the year. Winds from a rain or snow storm can cause damage to a roof and that’s when you’ll be glad you have your homeowners insurance. Roof damage can be very expensive, especially if rain or melting snow has gotten underneath your shingles. This can cause damage to the roof’s decking and perhaps even inside into your ceilings. Homeowners insurance will likely cover that damage.

As an independent Insurance agency in Virginia, we are pleased to offer loss prevention products for a variety of insurance companies. And now, you can now get comparative quotes online, right from the comfort of your home. Simply log onto our website and fill out the online quote form. Once submitted, our system gathers information from companies willing to compete for your business. You will soon have multiple quotes from differing insurance companies. Choose the homeowners insurance policy that is just right for you and your budget. Our online system also allows you to get comparative rates on your car insurance to save even more money.

Be prepared for any storm that may be heading your way. Get your free comparative auto and homeowners insurance quotes today!

Great Car Insurance Quotes from the Best Madison Heights Agents!

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Tucked away in Central Virginia near Lynchburg, is the community of Madison Heights. With a population of just over 11,000, this VA community offers us quality of life of a small town, with easy access to amenities of nearby Lynchburg. History is rich in our part of Virginia and so is our history of saving residents on their car insurance.

We offer the best Madison Heights, VA car insurance quotes you can get from an independent insurance agency. Companies compete for your car insurance business, and now you can see it at work with our online comparative quote system. It is a convenient way to compare rates and save money, and it is easy to do.

Fill out your basic information, including your 24572 or other area zip code. You will soon get competitive quotes from several companies. Select the company, coverage and premium that appeals to your particular circumstances. You can save money on your VA auto insurance with just the matter of a few clicks.

Our agents work hard to save you money on your insurance, and our convenient online quotes are yet another way we can help. If you are looking for savings on your homeowners insurance in the 24572 area code, our online comparative quotes are also available for those. We are putting technology to work for you.

If you want the best Madison Heights insurance agents working to get you the best quotes possible in our area, contact us today. Fill out our online form or call us today. Automobile, homeowners, life and more…we will be glad to help you.