It’s exciting to receive jewelry from a loved one – or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Wisconsin home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

When choosing auto insurance, you want thorough coverage for the best price. There’s a lot to think about when you’re choosing auto insurance. In some states, to license your car you must carry liability coverage for damages incurred by others if you cause an accident, or no-fault coverage to pay for medical and related expenses for you and your passengers caused by injuries from a car accident, regardless of fault; or carry both.

Just because you’re on vacation, it doesn’t mean you can stop thinking about safety. These tips will help you and your family get the most out of your trip – and help you get back to Superior safe and sound.

Whether you own a Jet Ski, a small ski boat, fishing boat, or a 26-foot cruiser, knowing that you’re covered by the right insurance should give you the peace of mind to relax and enjoy every minute on places like Lake Superior.

Buying, selling or insuring a boat in Superior? First you’ll need to know how much your boat and/or motor is worth. Here are a few popular pricing guides as references.

Insuring a condominium in Wisconsin is different than insuring a home. And the biggest difference is knowing where your responsibilities begin and end. That’s why it really pays to work with a knowledgeable insurance agent like DeSmet Agency Inc.

Your home may be worth as much or more than your retirement account. As a result, it makes sense to track your home insurance as carefully as you do your 401k.

The secret to selecting the right amount of insurance coverage? Simple – the more information you provide, the more easily DeSmet Agency Inc can create a homeowner’s policy that’s right for you.

At DeSmet Agency Inc, we want to help make this season one to celebrate for you and your teen. So, with the help of the National Highway Traffic Safety Administration, here are some tips that can keep your teen safe.

Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies.

When purchasing a trailer in Wisconsin or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft.

You’ll no doubt hear the phrase “Happy Holidays!” about a thousand times over the next month or two. Here at DeSmet Agency Inc, we’d like to change that a little bit: “Happy – and Safe – Holidays!”

It’s a night full of treats for both kids and adults in Superior. But a number of factors – including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door – mean that Halloween in Wisconsin can have some tricks up its sleeve.

Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips.

Whether you live in Wisconsin, or elsewhere, hail storms don’t last long, but they pack a real punch. Every year, hail causes nearly $1 billion in damages, mostly to repair roofs and cars. A single series of evening storms in North Texas in May of 2011 caused an estimated $200 million to $300 million in damages, according to one estimate.

To stay safe on Superior streets, you need the right skills to control your ride, and the best safety equipment for just-in-case. DeSmet Agency Inc wants you to be safe out there – so keep these helpful tips in mind when you ride:

Being on the water in your boat can be a real joy on places like Lake Superior, but it pays to know what to do if you’re involved in an accident in Wisconsin, or if something happens to your personal watercraft (PWC) when it’s on shore.

At DeSmet Agency Inc we recognize one of the fastest growing American pastimes is recreational boating. While many boaters cruise in sailboats and powerboats, personal watercraft (PWC) have become a popular way to enjoy the water too. Recreational boaters use them as tenders on larger boats, to water ski, commute and just for spring and summer fun.

In most places in the United States, Sunday, March 13, 2011, is Daylight Saving, when clocks are moved forward one hour. Regardless of whether Daylight Saving Time is recognized where you live, we here at DeSmet Agency Inc want to suggest it’s still a great time to improve your family’s safety.

Avoid any delays and unexpected problems when you take your recreational vehicle or motorhome out for what should be a relaxing trip from Superior. Follow some of our suggestions below, and consider investing in some maintenance and safety classes to help ensure happy travels across Wisconsin and beyond.

One smart and effective way to protect yourself against identity theft in places like is to prevent it. If your identity is stolen, you’ll be able to lessen problems by acting quickly, whether you live in Wisconsin, or elsewhere.

Believe it or not, every state in the U.S. has some degree of risk from earthquakes, including Wisconsin. If you live in an area susceptible to earthquakes, make sure you speak with DeSmet Agency Inc in order to determine whether you are covered, or if you should purchase separate earthquake coverage.

If the unthinkable happens, we here at DeSmet Agency Inc understand that your most valuable assets are more than just items on a balance sheet. That information is critical during a time of catastrophe. The following sites are additional resources to assist with preparing for and recovering from disaster.

Here at DeSmet Agency Inc, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot – and when you’re trying to answer the age-old question of “new, or used?”

Simple steps can lead to savings in your pocket. Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road. Take a look at some simple ways to lower your motorcycle insurance costs for Wisconsin, riders like you.

Insurance might be a necessity, but spending lots of money on it isn’t. We here at DeSmet Agency Inc know that you’d rather be mapping out your next destination instead of worrying about your bank balance, so read our recommendations below and start saving. If you live in Wisconsin, we can help!

How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance at DeSmet Agency Inc in Wisconsin.

Who doesn’t want to save money on homeowners insurance? For homeowners and renters in Superior, you have options when it comes to lowering your home insurance costs.

Drivers ask the team at DeSmet Agency Inc this more than just about anything else – how do you save money on auto insurance policies? There are a number of factors that go into determining the cost of your car insurance premiums, and DeSmet Agency Inc has some helpful suggestions to help you lower your costs.

At DeSmet Agency Inc, we thought it would be fun to give you a little of the history behind Mother’s Day, as well as a few ideas to honor the special women in all our lives.

Proper maintenance can extend the life of your boat, reduce the need for costly repairs, and help ensure the safety of your passengers. Wash your boat regularly to prevent the long-term effects of environmental wear and tear. Routine waxing and the use of an anti-fouling paint can also help protect your boat from the elements. Consider using environmentally-safe products whenever possible!

Although they are often skippered by teens and young adults, boats are not toys. Both the craft and its operator must comply with all Federal and state requirements, no matter whether you live in Wisconsin or elsewhere.

In most places in the United States, Sunday, March 13, 2011,
is Daylight Saving, when clocks are moved forward one hour. We here at DeSmet Agency Inc want to remind you it’s also a great time to improve your family’s safety.

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information.

With the days getting longer and the weather getting warmer, we here at DeSmet Agency Inc are starting to think about spring. (Or at least hoping that springtime is coming, anyway.) And whether spring arrives on time, we’ve got you covered with tips to get you ready for the season.

If you live or vacation where the weather gets cold and the snow starts falling, some people are content to cozy up next to the fire with a good book and concentrate on staying warm.

For others, though, it’s time to get excited – because it’s time to break out the snowmobiles and head to the nearest winter recreation spot. Of course, snowmobiling presents some dangers as well. And here at DeSmet Agency Inc, we want you to make it home safely to Superior after your day in the snow.

Millions of Americans will do some traveling this holiday season – the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you’re simply driving around in Superior or headed to . At DeSmet Agency Inc, we’d like to help you enjoy your holiday season, so please take these winter-travel safety tips to heart.

For those RV owners who aren’t able to escape the winter weather in Wisconsin, or who are simply storing their RV for an extended period, it’s important to prepare for it. Just as with your home, a little maintenance now will go a long way toward preventing frustration – and expensive repairs – later.

Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save by incorporating technologies to make their homes operate more efficiently.

Summer has ended, but there’s no need to fret here in Superior. DeSmet Agency Inc recommends some maintenance tasks to help ensure your home is ready for fall and winter weather in Wisconsin.

Whether you’ve got a rowboat or a big cabin cruiser, we here at DeSmet Agency Inc want to make sure you have the tips you need to keep your boat protected when it’s not in use.

Keep in mind that when you grill, you’re literally playing with fire. Thousands of Wisconsin residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

It’s happened. There’s water everywhere – in your walls, under your carpets and soaking into your belongings. Whether caused by a burst pipe, a broken water heater or flooding, there are things you can do immediately to salvage belongings and limit damage or loss.

You don’t have to be hit by a tornado to experience damage. Taking a little time to prepare could save you thousands of dollars and hours of clean-up.

With Earth Day fast approaching, we here at DeSmet Agency Inc thought it would be a good time to talk about preventative measures you can take to avoid harming the environment, in addition to carrying an insurance policy that provides coverage for fuel spills and pollution liability.

Autumn in Wisconsin means leaves are dropping and clogging gutters, and old branches and hedges need trimming. Whatever your crew maybe doing, it likely involves using a ladder. They need the right knowledge on how to safely use and work while up on the ladder.