Traces of Sisterhood POLAND & UKRAINE | 2022

The Red Dress

The Red Dress | BY KIRSTIE MACLEOD | Apr 15, 2023 | Red Dress | Home Insurance | Start A Quote Today!

Shield Insurance Blog | Red Dress | Home Insurance | Start A Quote Today! |

375 Embroiderers
51 COUNTRIES
1 DRESS

A 14-year, award-winning global, collaborative embroidery project from 2009 to 2023

The Red Dress project, conceived by British artist Kirstie Macleod, provides an artistic platform for women around the world, many of whom are vulnerable and live in poverty, to tell their personal stories through embroidery.

From 2009 to 2023, pieces of the Red Dress traveled the globe being continuously embroidered. Constructed out of 85 pieces of burgundy silk dupion, the garment has been worked on by 366 women/girls, 7 men/boys, and 2 non-binary artists from 51 countries. All 140 commissioned embroiderers were paid for their work and received a portion of all ongoing exhibition fees, merchandise, and the opportunity to sell their work through the Red Dress Etsy shop. The rest of the embroidery was added by a willing audience at various exhibitions & events.

Embroiderers of the Red Dress

Embroiderers include female refugees from Palestine, Syria, and Ukraine, women seeking asylum in the UK from Iran, Iraq, China, Nigeria, and Namibia, survivors of war in Kosovo, Bosnia & Herzegovina, Rwanda, and DR Congo; impoverished women in South Africa, Mexico, and Egypt; individuals in Kenya, Japan, Turkey, Jamaica, Sweden, Peru, Czech Republic, Dubai, Afghanistan, Australia, Argentina, Germany, Switzerland, Canada, Tobago, Vietnam, Estonia, USA, Russia, Pakistan, Wales, Colombia and England, students from Montenegro, Brazil, Malta, Singapore, Eritrea, Norway, Poland, Finland, Ireland, Romania, and Hong Kong as well as upmarket embroidery studios in India and Saudi Arabia.

Initially, the project sought to generate a dialogue of identity through embroidery, uniting people around the world without borders. However, over the 14 years, the dress has also become a platform for self-expression and an opportunity for voices to be amplified and heard.

Many of the embroiderers are established professionals, but there are also pieces created by first-time embroiderers. The artists were encouraged to create a work that expressed their own identities whilst adding their own cultural and traditional experiences. Some used specific styles of embroidery practiced for hundreds of years within their family, village, or town whilst others chose simple stitches to convey powerful events from their past. Some of the women are rebuilding their lives with the help of embroidery, by using their skills or being trained in embroidery to earn a decent and consistent living.

The Red Dress Exhibitions

The Red Dress has been exhibited in various galleries and museums worldwide, including Gallery Maeght in Paris, Art Dubai, Museo Des Arte Popular in Mexico City, the National Library of Kosovo, National Waterfront Museum in Wales, Fashion and Textile Museum, in London, an event at the Royal Academy in London, and the Premio Valcellina Textiles award in Maniago, Italy where it won first prize in 2015.

The Red Dress’s 14-year creation journey around the world is now just about completed with the garment assembled in its final configuration. Covered in millions of stitches, the 6.8 kg. silk Red Dress is weighted as much by the individual stories and collective voices waiting to be heard as by the threads and beads that adorn it.

Moving forward, as well as continuing to develop a strong online platform the Red Dress will be traveling to many different galleries, museums, and event spaces around the world – with a continued aim to be accessible to all. Kirstie hopes to bring the garment to visit the countries of all commissioned embroiderers and exhibit the Red Dress alongside their own work in their chosen venue.

Practical and logistical support with commissions for the project was provided by the following charities, self-help development projects, social enterprises, and various initiatives providing support to women in poverty: Manchester Aid for Kosovo supporting Sister Stitch in Kosovo; Kisany in Rwanda and DR Congo; Missibaba in South Africa; Kitzen in Mexico; Al Badia in Lebanon supporting Palestinian refugees; FanSina in Egypt; the Swansea Women’s Asylum & Refugee Support Group, Wales and the War Childhood Museum in Bosnia & Herzegovina. Seed investment for the project was provided by the British Council Dubai in 2009 and subsequent funding has been received by the Arts Council Lottery Fund & the British Embassy in Pristina, Kosovo.

Click here for the full story


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Father’s Day 2023 is Sun, Jun 18

Love your Daddy! This Sun, Jun 18, 2023, is Father’s Day!

HISTORY.COM | MAY 15, 2023 | Father’s Day | Recreational Insurance | Start a Quote Today!

The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972—58 years after President Woodrow Wilson made Mother’s Day official—that the day honoring fathers became a nationwide holiday in the United States. Father’s Day 2023 will occur on Sunday, June 18.

Mother’s Day: Inspiration for Father’s Day

The “Mother’s Day” we celebrate today has its origins in the peace-and-reconciliation campaigns of the post-Civil War era. During the 1860s, at the urging of activist Ann Reeves Jarvis, one divided West Virginia town celebrated “Mother’s Work Days” which brought together the mothers of Confederate and Union soldiers.

Did you know? There are more than 70 million fathers in the United States.

However, Mother’s Day did not become a commercial holiday until 1908, when–inspired by Jarvis’s daughter, Anna Jarvis, who wanted to honor her own mother by making Mother’s Day a national holiday–the John Wanamaker department store in Philadelphia sponsored a service dedicated to mothers in its auditorium.

Thanks in large part to this association with retailers, who saw great potential for profit in the holiday, Mother’s Day caught on right away. In 1909, 45 states observed the day, and in 1914, President Woodrow Wilson approved a resolution that made the second Sunday in May a holiday in honor of “that tender, gentle army, the mothers of America.”

FEATURED

Why the Founder of Mother’s Day Turned Against It

Anna Jarvis, who founded Mother’s Day in 1908, passionately opposed its growing commercialization and eventually campaigned against the holiday.

Origins of Father’s Day

The campaign to celebrate the nation’s fathers did not meet with the same enthusiasm–perhaps because, as one florist explained, “fathers haven’t the same sentimental appeal that mothers have.”

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honor of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday.

The next year, a Spokane, Washington, woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first statewide Father’s Day on June 19, 1910.

Slowly, the holiday spread. In 1916, President Wilson honored the day by using telegraph signals to unfurl a flag in Spokane when he pressed a button in Washington, D.C. In 1924, President Calvin Coolidge urged state governments to observe Father’s Day.

Today, the day honoring fathers is celebrated in the United States on the third Sunday of June: Father’s Day 2021 occurs on June 20.

In other countries–especially in Europe and Latin America–fathers are honored on St. Joseph’s Day, a traditional Catholic holiday that falls on March 19.

Click here to enjoy a fascinating video of several Founding Fathers


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From The Dumpster

Beautiful Heirlooms & The Dumpster

TheDailyGood.org | BY MEREDITH SABINI | May 27, 2023 |The Dumpster | Home Insurance | Start A Quote

“We can’t use these. They look like heirlooms!” Gina, a guest at my holiday gathering, holds up one of the elaborately embroidered napkins from the buffet table I got out of the dumpster. “Where’d you get them?”

“Out of the dumpster. The tablecloth and those candleholders were in there, too.”

“You can’t be serious! Why would they be in a dumpster?” The shock in her voice carried across the room, and others looked up.

It’s common that women ask where something came from, especially if it’s an attractive article of clothing or new addition to the house. But to name a dumpster as the source of anything, especially an object of beauty, is completely unexpected.

My explanation created an atmosphere of mystery. The tale was so unlikely that later my friends joked that perhaps I’d dreamed it.

The red napkin, tablecloth, and candlesticks all belonged to Mrs. Cybulski (not her real name), a widow who had lived down the street as long as I’d been in the neighborhood, about twenty years.

Except to water her yard, she didn’t go out much. And when she did, she stayed near the house, as if the tether fastening her to life had retracted, pulling her toward an eternal home.

One day, I noticed a full-size dumpster in front of her bungalow. I assumed it was for yard debris or trash from some renovation project. But soon strangers appeared. On my daily walk, I could see them scurrying around the property. A boy about twelve sat on the porch, looking morose. His expression evoked a twinge of anxiety in me that perhaps Mrs. Cy had died.

I called over haltingly, “Is she gone?” 

“Yeah, she passed.” It was hard to tell whether he was upset at losing kin or just sulky at having to help with an unpleasant task.

Through the large plate glass window I could see a woman balancing stemware between her fingers. A man about forty emerged from the back door, his arms piled high with what appeared to be bedding. I waited nearby to see if he was really going to deposit it in the dumpster.

Reluctant to intrude yet curious, I introduced myself. “Hi, I’m Meredith, a neighbor down the street. Sorry to hear about Mrs. Cybulski. Was she your grandmother?”

“Great aunt. Ninety-one. Had a good life,” he said and proceeded towards the dumpster, our conversation apparently over. He placed the neatly folded sheets and blankets down carefully as if this were now the room in which they would be kept. I’d seen dumpsters full of discards of all kinds, but never one like this packed like a trunk for an ocean voyage.

I stood fixed on the spot, bewildered by the odd juxtaposition of sudden death and business-like calm. The nephew soon appeared with the next batch, which he stacked on top of the previous one in the same perfunctory manner. Considering his lack of feeling, I figured I could peer into the dumpster without offending anyone. A wooden daybed, surrounded by perfectly decent household items, was pushed up against one side as if, at any moment, someone was going to recline there with a book for an afternoon read.

I dislike seeing things go to waste and the daybed was just the ticket for my guestroom; the old upholstery could easily be replaced. But asking to save something from the newly departed seemed crude. Was this merely social propriety, or a primordial instinct out of which taboos arise? If the nephew wasn’t especially grieved by his aunt’s death, perhaps he wouldn’t be upset by my request to salvage a motley piece of furniture. Hesitantly, I ventured, “I wonder if I could offer to purchase that daybed from you if you’re planning to get rid of it?”

The Dumpster

“No, but take it. You can have it.” He marched past me without looking, without missing a beat. And I walked inside my first dumpster.

I’ve been to archaeological sites, and know the sun-bleached whiteness of bone, and the tea-colored stains left by the earth. Here, no layers of soil obscured the find. To get to the daybed, I had only to move the piles of bedding. Her hall closet must now be empty, for here were ironed sheets, blankets, table linen, and the kind of embroidered and crocheted cloths that are found in old women’s attics. When I saw these, my own mourning resumed.

Evenings at my grandmother’s had been spent with the two of us huddled together on the divan, working needles of colored thread through squares of muslin, as she taught me how to give shape to the birds and flowers we ironed onto future kitchen towels. The few I have left are like gold to me. My grandmother and Mrs. Cy were of the same generation.

When our grandparents died, my brother and I had to deal with their belongings. It was the late ’70s, a time when the perennial battle between spirit and matter was once again inflamed. Caving into the pressure not to be attached to things or hold onto the past, we gave away too much and sold the rest for a song. Objects imbued with our ancestors’ mana slipped through our fingers, going to strangers who cared not for their spirit but only their matter.

Into the dumpster were going similar artifacts of a lifetime. I didn’t know Mrs. Cy well but this desecration had to stop. I had recently taken a religious vow of voluntary simplicity and was deeply committed to reducing my over-consumption by keeping existing goods in circulation and tending them with care. I could not stand by and watch while usable things went to molder in a landfill. The nephew was headed in my direction with another load and I decided to press my luck.

“Are these linens and bedding going too? I would be glad to give you something for them as well.” I pointed to a stack at the foot of the daybed.

“Oh, I guess you can have them. But I would make sure they get laundered.”

Was it her death that contaminated them, or her life? Trying not to sound snide, I assured him I would wash everything, and began stacking the linens atop the daybed. Among them was an old-fashioned lace coverlet, a fine damask tablecloth with a dozen matching napkins in their original box, and pure cotton sheets with laundry tags at the corners. Laundering did not seem to be the issue.

Click here to read the full story at the DailyGood.org


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These Breeds Were Named ‘America’s Most Spoiled Dogs’ in a New Poll

These Breeds Were Named ‘America’s Most Spoiled Dogs’ in a New Poll

Good News Network | May 14, 2023 | Spoiled Dogs | Pet Insurance | Start A Quote Today!

Do you own an Australian Shepard, Border Collie, or Corgi? According to a new poll, you might just own America’s most spoiled dog.

A full sixty percent of the 2,000 dog owners surveyed swear that they own the “world’s most spoiled dog”. One common link: two-thirds of them are talking about a herding dog, like the three named above.

2nd Most Spoiled Dogs

Non-sporting dogs like Bulldogs, Boston Terriers, and Shiba Inus came in second place for the nation’s most luxuriated breeds, earning 64% of the vote. In third place, 59% are terrier breeds like Russell terriers, Scottish Terriers, and Staffordshire Terriers.

Similarly, 79% of herding dog owners claimed their dogs live like royalty at home. An overwhelming majority (96%) said they spoil their pets in a wide variety of ways and 37% treat their dogs so well, they’d take the chance to switch bodies with their pups for a day if they could.

When asked what they would do for that day, respondents said they’d play all day long (47%), sleep in until noon (42%), and sleep where they usually wouldn’t be allowed to (37%).

People’s penchant for giving their dogs a life of luxury can be explained by four in five who treat and talk to their dogs as if they were humans. Many speak to them as if they were children (32%), and others speak as if they were babies or adults (18% for each). Many dogs get treated to meals being prepared by hand in the kitchen.

Commissioned by Solid Gold and conducted by OnePoll, the random double-opt-in survey found two-thirds of terrier owners love giving their dogs extra treats throughout the day, while 29% of toy breed owners love to serve their pups the finest bottled or filtered water in their bowl.

A third of women (32%) admit they likely treat their dogs more luxuriously than themselves, and another third treat them better than their kids and significant others (16%).

Read more about Spoiled dogs…


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Homeowners Insurance: Protecting Your Home and Family

Homeowners Insurance: Protecting Your Home and Family

Shield Insurance Agency Blog | Homeowners Insurance | Start a quote today!

As a homeowner, you know that your home is one of your most valuable assets. It’s where you
and your family live, where you create memories, and where you feel safe and secure. But what
happens if something unexpected happens, like a fire, theft, or natural disaster? That’s where
home insurance comes in.

Home insurance, also known as hazard insurance, is a type of insurance that protects your
home and personal property from damage or loss. It can also provide liability coverage if
someone is injured on your property. But with so many options out there, how do you choose
the right home insurance policy for you and your family?

Affordable Homeowners Insurance

One of the most important factors to consider when choosing a home insurance policy is
affordability. You want to make sure that you’re getting the coverage you need at a price you can
afford. That’s why it’s important to shop around and compare quotes from different insurance
companies.

At Shield Insurance Agency, we understand that affordability is a top priority for homeowners.
That’s why we offer a variety of home insurance options to fit your budget. We also offer bundle
home and auto insurance policies, which can save you even more money.

Free Homeowners Insurance Quote

Before you can choose the right home insurance policy, you need to know how much coverage
you need and how much it will cost. That’s why we offer free home insurance quotes. Our
experienced agents will work with you to determine your coverage needs and provide you with a
quote that fits your budget.

Protection for Your Home and Family

Home insurance isn’t just about protecting your home and personal property. It’s also about
protecting your family. If something happens to your home, you want to make sure that you and
your family are taken care of. That’s why it’s important to choose a home insurance policy that
provides adequate coverage for your needs.

At Shield Insurance Agency, we understand the importance of protecting your home and family.
That’s why we offer a variety of home insurance options, including liability coverage, to ensure
that you and your family are protected in the event of an accident or injury on your property.

Homeowners Insurance Deductible

When choosing a home insurance policy, it’s important to consider the deductible. The
deductible is the amount you’ll have to pay out of pocket before your insurance coverage kicks
in. A higher deductible can lower your monthly premiums, but it also means that you’ll have to
pay more out of pocket if something happens to your home.

At Shield Insurance Agency, we’ll work with you to determine the right deductible for your needs.
We’ll help you find a balance between affordability and coverage so that you can have peace of
mind knowing that you’re protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we represent over 40 insurance companies. This means that we
have access to a wide range of home insurance options, so we can find the right policy for you
and your family. We’ll work with you to understand your needs and find a policy that fits your
budget.

Contact Shield Insurance Agency for a Free Quote Today

If you’re in the market for home insurance, contact Shield Insurance Agency today for a free
quote. Our experienced agents will work with you to find the right policy for your needs and
budget. We’ll help you protect your home and family so that you can have peace of mind
knowing that you’re covered. Contact us at (616) 896-4600 for a free quote today.


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Biker Gang Gives Granny the Ride of Her Life

Biker Gang Gives Granny the Ride of Her Life

Great-Grandma Gets 90th Birthday Wish to Ride a Harley Again, Courtesy of a Biker Gang

 Good News Network | Apr 29, 2023 | Biker Gang | Motorcycle Insurance | Start A Quote Here

A great-grandmother who is mad for motorcycles was granted her birthday wish to ride on the back of a Harley-Davidson – a call-back to her youth while celebrating turning 90.

Fearless Brit Barbara Morris said she “felt 21 again” during her spin around town on the powerful American cruising bike.

She mentioned to her family several years ago that if she made it to 90, she’d like to get back in the saddle one last time.

She was left stunned when her sons arrived recently at her nursing home with members of a local biker group. Though wearing a dress, she had no concerns about straddling the bike right there on the spot, before taking a trip with 13 other riders to a pub.

“I just felt the years melt away,” said the great-grandmother of six. “It was just an incredible experience to feel the wind blowing in my face again.”

Barbara got her first motorcycle license as a teen in the 1950s.

Her granddaughter Kirsty Harvey, 34, who helped organize the surprise for Barbara along with the local biker chapter of Widows Sons, said the inspiring senior had a ‘daredevil spirit’ and wasn’t fazed by anything.

“My uncle said to her ‘You always said if you made it to 90, you wanted to go on a Harley,’ and then she said, ‘Oh my gosh, I can’t believe you remember that’.”

“She’s got nerves of steel, she’s not really afraid of anything. She’s kind of from that generation that was made of tough stuff. Nothing really fazes them.”

Barbara got her first bike, a Royal Enfield 350, when she was about 19, and used it to get around while in college. She quickly caught the bug for riding, which she then passed on to the rest of her family.

“She always had a little bike that she nipped about on. Her three sons later all had motorbikes and a keen interest in motorbike racing and groups.”

Visit GoodNewsNetwork.org for the rest of the story…


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Flood Insurance: Protecting Your Home and Family

Flood Insurance: Protecting Your Home and Family

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.


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Condo Insurance: Protecting Your Home and Your Wallet

Condo Insurance: Protecting Your Home and Your Wallet

Shield Insurance Agency Blog | Condo Insurance | Start a Quote today!

As a renter or homeowner of a condo, it is important to understand the importance of having condo insurance. Condo insurance, also known as renters condo insurance or condo homeowner insurance, is a type of insurance that provides coverage for your personal belongings, liability, and the interior of your condo unit.

The cost of Condo Insurance

The cost of condo insurance can vary depending on a number of factors, including the location of your condo, the neighborhood and city you live in, and the type of coverage you choose. However, the cost of not having condo insurance can be much higher in the event of a disaster or accident.

One of the benefits of living in a condo is the sense of community and the shared responsibility of maintaining the property. However, it is important to remember that the responsibility for insuring your personal belongings and the interior of your unit falls on you, not the homeowners association (HOA).

When shopping for condo insurance, it is important to consider the coverage options that are available to you. Some policies may only cover the interior of your unit, while others may also provide coverage for your personal belongings and liability.

In addition to the coverage options, it is also important to consider the cost of the policy. While it may be tempting to choose the cheapest policy available, it is important to remember that the cost of the policy should not be the only factor you consider. It is important to choose a policy that provides adequate coverage for your needs and fits within your budget.

Shield Sells Condo Insurance

At Shield Insurance Agency, we understand the importance of protecting your home and your wallet. That is why we represent over 40 insurance companies, allowing us to provide our clients with a variety of coverage options at competitive prices.

When you contact Shield Insurance Agency for a condo insurance quote, we will take the time to understand your unique needs and provide you with a policy that fits your budget. Our experienced agents will also provide you with information about the coverage options available to you, so you can make an informed decision about your insurance needs.

In addition to providing you with a policy that fits your needs and budget, Shield Insurance Agency also provides exceptional customer service. We are committed to building long-lasting relationships with our clients and providing them with the support they need when they need it most.

Living in a condo can be a great experience, but it is important to remember that accidents and disasters can happen at any time. By having condo insurance, you can protect your personal belongings, your liability, and the interior of your unit in the event of a disaster or accident.

If you are in need of condo insurance, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Our experienced agents will work with you to find a policy that fits your needs and budget, so you can have peace of mind knowing that you are protected.


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Five Parts of an Insurance Policy

Five Parts of an Insurance Policy

Shield Insurance Agency Blog | May 19, 2023 | Insurance | Start a quote today!

Insurance policies can be complex and confusing, but understanding the different parts of a policy is essential to ensure that you have the right coverage for your needs. In this blog post, we will discuss the five parts of an insurance policy: premium, deductible, policy limits, exclusions, and riders.

1. Premium: The premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis and is based on several factors, including your age, location, and the type of coverage you need. The premium is the cost of your insurance policy, and it is important to choose a premium that fits your budget.

2. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your car is damaged in an accident that costs $1,000 to repair, you will pay $500, and your insurance company will pay the remaining $500. Choosing a higher deductible can lower your premium, but it also means you will pay more out of pocket if you need to file a claim.

3. Policy Limits: Policy limits are the maximum amount your insurance company will pay for a covered loss. For example, if you have a $100,000 policy limit for liability coverage and you are sued for $150,000, you will be responsible for paying the remaining $50,000. It is important to choose policy limits that are high enough to protect your assets in the event of a lawsuit.

4. Exclusions: Exclusions are specific situations or events that are not covered by your insurance policy. For example, if you have a homeowner’s insurance policy that excludes flood damage, you will not be covered if your home is damaged by a flood. It is important to read your policy carefully to understand what is and is not covered.

5. Riders – Additional coverage and options: Riders are additional coverage options that you can add to your insurance policy. For example, if you have a homeowner’s insurance policy that does not cover earthquake damage, you can add an earthquake rider to your policy for an additional cost. Riders can provide additional protection for specific situations that are not covered by your standard policy.

Does Your Insurance Meet Your Needs?

Understanding the different parts of an insurance policy is essential to ensure that you have the right coverage for your needs. It is important to review your policy regularly and make changes as needed to ensure that your coverage meets your current needs. If you have questions about your insurance policy or need help choosing the right coverage, contact your insurance agent for assistance.

At Shield Insurance Agency, we are committed to helping our clients find the right insurance coverage for their needs. Our experienced agents can help you understand the different parts of your insurance policy and make sure that you have the coverage you need to protect your assets and your family. Contact us today to learn more about our insurance products and services.


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Fireplace Safety Tips

Fireplace Safety Tips

Foremost Blog | August 26, 2021 | Fireplace Safety | Home Insurance | Start a quote today!

As the weather gets colder and your fireplace becomes more than a decorative focal point, be sure it’s up for the task of keeping your family warm and toasty – and safe. Our list will help you keep track of proper maintenance and make sure your fireplace is ready for regular use this winter.

Inspect the fireplace and chimney

Have a professional inspect and clean your fireplace and chimney each year before you begin using it for the season. If you’re using a gas or wood fireplace, open the chimney flue prior to starting the fire to let fresh air feed the flames and allow smoke to exit. Close the flue once the fire is put out.

It’s also important to keep the area surrounding the fireplace free from flammable objects. Be extra cautious of this during the holidays. Keep decorations and stockings a safe distance away from a fire and don’t ever use your fireplace to burn Christmas trees or wrapping paper. Pine boughs and paper burn intensely and can lead to a roof or chimney fire.

Gas fireplace safety tips

Gas fireplaces are exceedingly popular for their efficiency and cleaner burning properties. Enjoy them safely by acknowledging the following safety conditions:

Know your clearance zone. Many gas fireplaces have technology that makes it safe to place electronics and décor near the fireplace or on the mantle. However, certain items should never be placed within your fireplace’s clearance zone. These items include paper items like books, newspapers, and magazines; fabrics, like blankets or drapes; and wood.

Proper ventilation is key. Natural gas and carbon monoxide can kill. Make sure your flue and vents are all functioning properly.

Maintain your safety barrier. Whether it’s glass or metal, keep your safety screen in excellent condition. This will prevent flames or burning material from getting out of your fireplace, and keep flammable items from getting in.

Electric fireplace safety tips

Electric fireplaces make it possible to have a fireplace in a location that wouldn’t normally be able to fit one. The flame isn’t real, but that doesn’t mean they are without risk. As a source of heat, an electric fireplace should always be treated with care. In addition to maintaining the clearance zone discussed above, observe the following safety tips when using an electric fireplace.

Use proper cords. Many companies do not recommend using extension cords for electric fireplaces. Some will allow grounded, heavy-duty cords that are the appropriate gauge and wattage rating. Make sure to follow your manufacturer’s specific guidelines to ensure your safety.

Plug into an appropriate socket. An electric fireplace is essentially a forced air heater, and it is subject to the restrictions of a standard household socket, wiring, and fuse box. Be sure not to draw more power from your socket than it can handle, or else you run the risk of starting a real fire.

Wood fireplace safety tips

Replaced by more efficient, cleaner, and safer options, wood fireplaces are less popular than they have been in the past. However, it’s difficult to deny the ambiance of a crackling fire with real burning wood.

Consider what type of fire you want so that you can select the right type of wood. If the fire is more for aesthetics, lighter wood or a synthetic log are good choices. If your fireplace is being used for heat, oak or ash may be a better fit, since they’re heavier and burn hotter.

  • Avoid using wood from recently cut trees. They contain high levels of moisture, which can lead to more smoke and deposits forming inside the chimney.
  • Synthetic logs can burn unevenly, so be careful when using them. Even though they’re not real wood, the flue should still be open for proper ventilation as they still produce carbon monoxide.
  • Wood should be seasoned and dry – appear darker, have cracks at the ends, and will sound hollow when hit against another piece of wood.
  • Have a metal container handy when removing and storing hot ashes. Store it outside at a safe distance from your home, since embers and ashes can stay hot for a while.
  • Start your fire with newspaper, dry kindling, or organic fire starters. Never use gasoline, kerosene or charcoal starter.
  • Use a stainless steel liner to help keep the fire and ashes contained.
  • Install heat-proof glass doors to keep live embers from escaping the fireplace.
  • Look for signs of creosote and soot buildup. Creosote is a dark substance that can accumulate if the wood isn’t burning completely. It’s a highly flammable fuel and can burn at about 2000°F. Soot, which can also be flammable, is softer than creosote. Both should be cleaned out of the chimney regularly.

With these fireplace tips, you can help ensure that a cozy fire will be a safe and welcome addition to a chilly winter season.


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