Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays—and that was just between Dec. 23 and Jan. 1.

Of course, winter weather creates a unique set of challenges on local roadways, too. So even if you’re not headed out of town, these safety tips can help you make it through the season safely.

Make sure your car is ready
Before winter arrives, and before any long trip, give your car a thorough check-up. Do wipers need to be replaced? Are your fluid levels where they should be? How’s the radiator and cooling system?

If you live in an area (or visit one often) where temperatures regularly drop below 45 degrees, it’s a good idea to get a set of winter tires—they’re better suited for the cold than all-season tires, because they’re designed to provide the best traction and handling in ice and snow. Whatever you’re driving on, however, make sure your tires are inflated properly and that they have enough tread.

Your car should have an emergency kit, too. Pack it with jumper cables, blankets, a first-aid kit, flares, food and water, a flashlight and other safety gear. A shovel and cat litter or sand are nice to have as well; they can provide traction should you get stuck.

Before you leave
If you’re going on a trip, make sure you check weather conditions along your route and take printed maps—you might not always have cell reception. Let someone know your itinerary, so if you don’t arrive on time, officials know where to look for you.

Every time you drive somewhere, even if it’s just a quick trip to the store, clear snow and ice off your car; it can be a hazard to other drivers. And don’t forget to clear your headlights and other lights.

When you’re on the road
Are roads snowy or icy? Take it slow. Take it slow. Take it slow. Give yourself extra time to get to your destination, and make sure you leave extra room between your vehicle and others. Watch for ice patches on bridges, overpasses and shady spots. And remember, having four-wheel or all-wheel drive does not mean your car will stop (or steer) better on ice.

If you’re caught in a storm that seems like it’s too much for you to handle, seek refuge as soon as you can. Sometimes it’s best not to drive in snow and ice at all—if it looks bad out there, stay home if possible.

If your vehicle becomes disabled or you get in an accident
Car trouble and accidents affect thousands of people every winter. If your vehicle is disabled, be sure to stay with it. Run your engine and heater for short intervals, and open one of your windows slightly to prevent carbon monoxide build-up. Light two flares (remember that vehicle emergency kit? Now’s the time to use it) and place one a safe distance from both the front and rear of your vehicle. Note your location with mileposts, exit numbers or cross streets and call the authorities or a tow truck.

If you’re in a crash, be careful—the aftermath of a car accident can be a dangerous, especially in winter when visibility might be reduced and conditions might be slick. Check everyone involved for injuries and call 911 if necessary. After minor accidents, have everyone pull well off the road. Put out flares and turn on your hazard lights.

When you can’t move your car, stay inside unless traffic is completely clear. It’s far better for another vehicle to hit your car, even with you in it, than to hit you directly.

Wherever you may be headed this winter, we hope you enjoy the season with friends and family. Here’s to healthy and happy holidays!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

The holidays are just around the corner, and they often prompt people in Circleville, Chillicothe, Ashville and Mt. Sterling Ohio to hop in their cars for weekend (or longer) road trips to visit family.

Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the road.

You can take control of your next trip, whether it’s across the state or across town, by following these simple rules:

1. Pay attention. Do you know how many drivers around the country are using cell phones or other electronic devices right now? If it’s daytime, the answer is approximately 660,000, the National Highway Traffic Safety Administration says. Anything that takes your eyes off the road or distracts you increase your risk of a crash. Here’s another reason to avoid distractions: If you’re completely alert, you have a better chance of steering clear of that guy who is shaving on his way to work.

2. Stay sober. One bad decision can change lives forever, and driving under the influence is an extraordinarily bad decision. Nearly 15,000 died in 2012 in crashes involving impaired drivers, according to the National Safety Council (NSC). So get a designated driver — or better yet, be a designated driver. Best of all, have the party at your house and let everyone sleep over.

3. Slow down. They say “speed kills,” and, as depressing as it sounds, it’s true. Crashes caused by excessive speed cause more than 10,000 deaths a year on average, the NSC says. Surprisingly, you are most at risk on roads where the speed limit is 55 mph or below. Remember, the posted speed limit isn’t always the best speed to travel. Depending on conditions, going slower might be the safest option.

Improving safety on the roads isn’t rocket science. Just a little common sense can make a big difference for you, your passengers and your fellow drivers. So be alert and be safe out there on the roads in Circleville, Chillicothe, Ashville and Mt. Sterling Ohio.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Ohio – What’s Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Circleville, Ashville, Chillicothe and Mt. Sterling – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Hummel and Plum Insurance Agency to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to Hummel and Plum Insurance Agency today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you. Just call 740-477-3311 to speak with one of our agents and determine the right coverage for you.

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.

Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

Where is all that rain going?

Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.

Are you checking everywhere?

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible.

And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.

Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too.

What about around your property?

Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.

And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.

What should you do during the storm?

During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.

Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Victor U used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel.

There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps the most dangerous distraction, there are many others that can impact how you drive, whether you realize it or not. And they can be just as deadly.

How deadly? According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2014 more than 400,000 people were injured in crashes caused by distracted drivers – with more than 3,000 killed.

Here are just a few of the things that can distract drivers on the road:

• Talking on the phone, even with a hands-free device.
• Eating or drinking.
• Talking to passengers.
• Grooming (yes, there really are people who apply makeup or shave on their way to work).
• Reading, including maps.
• Adjusting the stereo.

Younger drivers are the most distracted of all – according to the government’s distraction.gov website, people in their 20s make up 38% of drivers who were using cell phones before a fatal crash, and 10% of teen drivers involved in fatal crashes were distracted, too.

With distractions more prevalent than ever – more than 150 billion text messages are sent in the U.S. every month, for example – how can you, and those you love, be safer behind the wheel? Here are a few tips:

• Don’t use the phone: This includes texting as well as talking, unless it’s an emergency. Even hands-free conversations can take your attention off the road.
• Eat before you leave, or after you get there: Scarfing down that burger with one hand on the wheel means your focus is divided – and you probably don’t have as much control over your car as you should. Bonus benefit: Keeping your meals and your driving separate means you’re much less likely to get ketchup on your pants.
• Know where you’re going: Nobody likes to be lost. But messing around with your car’s GPS (or the maps app on your smartphone) while you’re moving can lead to something you’ll hate even more – an accident.
• Talk to your family about safe driving: Having a conversation with your spouse as they’re driving home? That’s a perfect opportunity to say, “I’ll let you focus on the road; we can talk when you get here.” And if you have young drivers in the household, be sure to have a conversation about their phones and other potential issues, such as their passengers – a key distraction for teens.
• Watch for other distracted drivers: Just because you aren’t distracted doesn’t mean that other drivers are focused on safe driving. Stay in control and be vigilant – you’ll be ready to react when someone else makes the wrong move.

Distracted driving isn’t just “one of those things” that happens, like a tire blowout or mechanical failure that isn’t anyone’s fault. It’s 100% preventable – and by committing to avoiding distractions while you drive, you’ll help make the road safer for everyone.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Government of Alberta used under Public domain. Image cropped and modified from original.

As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. But putting them on hold for too long can have disastrous results. As with so many things in life, preventive maintenance can save a lot of future effort and cost in your home, too.

We’ve put together the following checklist of cleaning projects that can save you headaches – and money – down the line.

1. Keep up with general cleaning: Giving the entire house a light cleaning every couple of weeks goes a long way toward preventing unwanted build-up. Dust and grime accumulate gradually and can permanently impact the sheen of hardwood and the sparkle of bathroom fixtures. Clutter and smaller messes also often disguise spills, leaks, and stains. Over time, these can set and become more difficult to remove.
2. Replace air filters: If your heating or air-conditioning system relies on vents or an intake with an air filter, make sure you know the proper replacement schedule. Extending an air filter past its useful life not only lowers your air quality, it also can force your air conditioner or furnace to work harder, leading to more frequent breakdowns.
3. Clean the dishwasher: The appliance we rely on so heavily to clean up after us needs to be cleaned itself every now and then! Its ability to operate effectively decreases between cleanings, and the longer you wait, the more likely it is to malfunction. A number of moving parts in dishwashers can easily get stuck when they are covered in food or soap residue, which can result in a less-than-appetizing smell that might even transfer to your dishes. For optimal results, periodically remove the filter system from the floor of your dishwasher and clean it off. Then run the dishwasher with white vinegar to remove build-up, stains, and odors.
4. Make sure drains are clear: A visit from the plumber is guaranteed to be expensive, so we recommend doing everything you can to limit build-up in your drains and toilets. Avoid putting coffee grounds or grease down your sink drains, purchase a drain cover to catch hair in the shower and use a slightly less-luxurious toilet paper to avoid clogs. At the first sign of a clog, use baking soda, dish soap, or store-bought drain cleaner on trouble spots.
5. Have your carpets cleaned: Heavily-trafficked areas should be professionally cleaned at least once or twice per year, depending on where you live and how conscientious you are about removing your shoes at the door. This will revitalize your carpets, and can prolong their lifespan, too. And whenever a spill occurs, react quickly! Just one noticeable stain can ruin a beautiful carpet. If you’re stumped, search online for a solution – there are an endless number of step-by-step guides to address every conceivable spill.
6. Check for leaks: Water damage can be one of the most significant (and expensive) repairs a homeowner can face – and it’s tough to spot before it’s too late. Proactively checking areas around bathtubs and sinks will help along with keeping an eye on walls and ceilings for discolorations as well. If a ceiling becomes discolored, investigate what could be causing the stain before giving it a fresh coat of paint.

Think back to when you purchased your home. You probably visited an open house where the fixtures sparkled, the floors gleamed, and the paint looked fresh. Following the checklist above can help you get that new-home feel again, while maintaining your home’s value as well.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user emdot used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

April is tax season, so a lot of people are thinking about their finances these days. But if you’re like most people, you’re probably thinking in the short term: What’s my refund going to be—or how much do I owe? And what is that going to do to my monthly budget?

It’s good to be thinking about those things. It’s also important to look at the bigger picture. Financial Literacy Month, which is also in April, gives you the perfect chance to do just that. Surveys have showed that an alarming number of Americans lack even basic financial knowledge; in an era when we collectively have trillions of dollars in consumer debt, and many people live paycheck to paycheck, that can be a recipe for disaster.

But it doesn’t have to be that way! This Financial Literacy Month website, created by nonprofit credit-counseling firm Money Management International, features tools and resources to help you understand your finances better and build a bright financial future. In that spirit, we’ve come up with seven tips that can help you become more savvy with your money. Some are easy things you can do today. Others might take a little more work. But all are worth the effort!

1. Make your saving automatic. It’s important to have money set aside for emergencies—and to save for retirement. But once your paycheck hits your account, it can be a lot easier to just spend it all. The solution? Schedule automatic transfers to a separate account for your emergency fund, your retirement plan, or both. Start with something like 10%. You might even find that you don’t miss it.

2. Pay your credit cards off every month. If you can’t do this now, pay them down until you can. One popular way is the “snowball” method, which in a nutshell, works like this: Make only the minimum payment on all of your debts—except the smallest one. Put as much money as you can toward that. When the smallest debt is paid off, repeat the process and continue until everything is paid!

3. Check your tax withholding. People love getting big tax refunds, but that really means you’ve loaned the government your money over the course of the year—interest-free. For example, instead of a $2,500 refund in April or May, you could have more than $200 extra in your paycheck every single month. Wouldn’t that be nice?

4. Don’t throw away free money. Who would do that? Well, you—if your employer offers a match on your retirement savings and you don’t contribute enough to get the full amount. Say your company matches the first 3% of salary you contribute to a 401(k); you should save as much as you can, but at the very least, you’d want to save that 3%.

5. Pay less for services. Are you paying more than you should for cable, internet or your mobile service? Maybe not—but you won’t know unless you ask. Often, companies have discounts or special packages available, especially if you’re a loyal customer and you haven’t been on a promotional deal for a while.

6. Consider a credit card that rewards you. This can be a great way to earn points toward free travel or other rewards, just for buying the things you would buy anyway. Don’t spend more than you normally would just to get rewards, though. And remember, if you regularly carry a balance, the rewards probably won’t outweigh the interest you’re paying. (Go back to item #2 in our list.)

7. Track your spending for a while—and then review it. You probably spend money on a lot of little things without realizing how much it adds up. Maybe you get takeout for lunch a couple of times a week, or stop for coffee every day on your way to work. Try tracking everything you spend for a month or two. Then, take a look at your habits.

You’ll find areas where you can save, likely without even feeling like you’re making a sacrifice. Insurance is an important tool for your financial well-being, too. Even though it’s easy to think of insuring your car or home as protecting your “stuff,” insurance really protects your finances. After all, insurance can’t prevent your car from being hit by another driver—but it can pay for the repairs, so that money doesn’t come from your pocket.

Take a little time to think about your finances this month, and try one or more of the tips above. As with many things in life, when it comes to money, small steps can have a big impact!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”—night watchmen who would literally walk around and check doors to make sure they were locked. The most advanced product at the time, according to the Electronic Security Association, was an alarm system that used electromagnetic contacts on doors and windows and rang a bell if disturbed.

Things are just a little bit different now, thanks to expanding technology and decreasing costs. Regular homeowners now have access to the types of tools and systems that were previously attainable only by celebrities and the wealthy.

It’s especially important to be thinking about security with the increase of online shopping. More packages are being delivered on a regular basis and porch pirates can easily swoop in and snatch your new items.

If you’re into tech, you might even find that getting set up is fun. And if you’re into saving money, many companies offer insurance discounts for having specific home-monitoring systems, so check your policy or ask us for details.

Here’s a rundown of some of the options you have to protect your home, from all-in-one systems to separate components for do-it-yourselfers.

Full-service systems
There are a number of companies that offer full-service security systems with central monitoring—and the list is growing, with cable and wireless companies (Xfinity, AT&T, etc.) getting into the mix more prominently along with familiar names such as ADT and Brinks. These systems can feature video surveillance, remote access, smoke and carbon-monoxide detection, even medical alerts in case you have an emergency. Many now offer home-automation tools so you can control lighting, heating, cooling and other appliances when you’re away from home.

Most systems also can be configured to send you alerts via text message—so you know when the kids have gotten home from school safely, for example.

Full security systems such as these often have installation costs, along with equipment fees and monthly bills, of course. But if you don’t feel tech-savvy enough to install your own system, you don’t want to deal with the hassle, or you want something with central monitoring, a full system might be right for you.

Do-it-yourself options
If you’d rather set up your own system, many companies offer starter packs with a few components to get you going, allowing you to add what you need and exclude what you don’t. Some provide security features without much in the way of home automation, while others can serve as the hub for a connected home—it’s up to you.

You can create your own custom security system through the use of individual products, too, although you’ll want to ensure everything works together. Here are some of the options on that front:

Smart cameras and sensors
Installing cameras used to mean dealing with bulky equipment and yards of wiring. Today, cameras are unobtrusive, wireless and capable of much more than previous models. Many are combined with floodlights or doorbells and use motion activation, saving data-storage space and battery power by recording only when there’s a reason to record. Some can send live feeds to you remotely when motion is detected, too. One startup even has motion sensors that don’t use infrared light—instead, they look for disturbances in the wireless signals that bounce around throughout your home.

Keyless entry systems
Even items as basic as the locks on your doors have undergone revolutionary changes. You might not think you need an entry system that relies on a code, or a smartphone, but they can come in very handy at times. Say, for example, you need to let a trusted repairman into your home while you’re away, but you don’t want to risk hiding a key outside. With a keyless system (or a hybrid version that uses both keys and codes), you simply provide a temporary code for the repairman to use.

Home automation
Have you ever forgotten to leave a light on while you’re away? Burglars thrive in the dark, and lights both inside and outside your home, along with noise from TVs, radios, etc., can be powerful deterrents. Thankfully, you can have more control than ever—from anywhere in the world. And just like some professionally installed systems or do-it-yourself starter packages, many individual components tie in home-automation features as well.

Of course, there are still some classic tools and techniques you can use to deter crime, no matter how tech-savvy you are: Don’t broadcast on social media when you’re going to be on vacation or away for the night. Keep valuables out of plain sight. Make sure your windows and doors are locked. And don’t forget the security system that will love you back—a watchdog!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

When it comes to power tool safety, there’s a simple way to think about it: Use your head, keep your fingers.

All joking aside, it’s extremely important to your entire well-being to use power tools with the utmost of care. Here’s how:

1. Read all about it. You love the feeling of firing up and wielding a tool that’s abuzz with power. Just don’t do so until you’ve read the instructions. The instructions will help you get the most out of your tool, both in terms of safety and performance.

2. Take notes. When you get a new tool, jot down the details and add the notes to your home inventory. Include a description, serial number and a copy of the receipt if you have it, because it will all come in handy if your tools are ever stolen, or damaged in a fire or other disaster. Not big on writing? Photos or videos are great, too.

3. Get to work. Finally, it’s time to work, so long as you’ve got the right safety gear. This may include: eye and ear protection; a mask or respirator if the project will kick up a lot of dust or other fine debris; and protective clothing that isn’t loose.

4. Don’t rush. Working too quickly can lead to injuries. Always stay in control by making sure your work area is stable and clean. Use both hands to operate your power tools, and avoid distractions while you work. Don’t ever use powerful tools if you’re tired, sick or under the influence of drugs or alcohol. Not only will you jeopardize your safety, you probably won’t be happy with your work.

5. Take good care of your tools. Keep your tools clean and stored in a safe, secure area. Replace parts, such as blades, as soon as they become bent or warped, and don’t ever use tools that have been damaged. Following the manufacturer’s instructions, along with using a little common sense, should help ensure your tools remain in good working order for years to come. Let’s hope that deck you’re building will, too.

It’s hard to imagine a time before power tools existed – think of all the calluses! Just be sure to wield the power responsibly each and every time you tackle a new project on your Central Ohio home.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

“What really makes a teacher is love … for it is love that transforms the social duty of the educator into the higher consciousness of a mission.”

Almost everyone has a story about a teacher who inspired them—the one who made learning fun, ignited a passion for a specific topic, or even pushed students hard to soar beyond expectations.

Those are the teachers we remember; their legacies live on in the professional and personal achievements of those who passed through their classrooms. And they can still inspire, long after the last class.

In honor of Teacher Appreciation Week, which is May 6-10, we thought it would be fun to share a few interesting things we’ve learned about teachers and their dedication—because as any good teacher will tell you, learning is a lifelong journey.

1. There are more than 3 million teachers in the U.S. Public schools have a total of about 3.2 million full-time equivalent teachers, according to federal statistics. Sounds like a lot, until you consider that there are approximately 51 million K-12 students to teach!

2. The vast majority of teachers are women. The fact that many teachers are women probably isn’t a surprise, but the percentage might be larger than you think: It’s nearly 77%. And more than 54% of principals are women, too.

3. They probably work more than you realize—and not only in the classroom. We’re all envious of the summer vacations most teachers get, but according to surveys, teachers work an average of 50 hours a week. And they might not have a summer vacation at all: About 30% of them have second jobs.

4. When they’re not teaching, many teachers are taking classes of their own. Nearly 60% of teachers have a postgraduate degree—in order to advance their careers, additional education usually is required. And unlike training in the corporate world, this is done on the teachers’ own time (and often on their own dime).

5. They spend their own money in the classroom. When teachers don’t have enough supplies, or they want to provide their students with more, almost all of them (94%) dig into their own pockets. The average cost for teacher-funded supplies? About $500 annually. That’s not pocket change, especially when you consider that teacher salaries average about $55,000 nationally.

6. Frequently, that support goes way beyond school supplies. More than 65% of teachers in one survey said they had paid for food or covered the cost of field trips for students in need. And 33% have purchased coats, gloves, or other winter clothing for kids in their classes. Clearly, they’re dedicated to more than just education—they want to ensure the well-being of their students.

7. The best gift isn’t a red apple. Despite the classic image of an apple on the desk at the front of the room, teachers say there are better ways to show your appreciation. Try a gift card for a coffee shop, or to an office-supply store to help with their classroom expenses. If you’re one of the 88% of people who say a teacher has had a significant positive impact on your life, though, the most meaningful thing of all might simply be a heartfelt note saying, “Thank you for doing what you do.”

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.