Travel Season is Here: Essential travel tips

vacation, phh insuranceWe all look forward to the warmer weather, knowing travel season is upon us.  Whether you are traveling by car or plane, staying local or across the country, these travel tips can help make your travel a little more enjoyable.

Read Reviews: With the ability to access everything online these days make use of this. People write reviews and post them on line all the time.  Whether it’s a review on a hotel or restaurant, it’s good practice to read these to help you choose the best places to go.  A great site to check reviews is

Find a blogger: Blogging is very popular as you know and everyone has one.  Find a local blogger in the location where you are planning to visit.  A simple google search will find you a blogger that covers the area you are visiting and you may find some great tips just reading through these blogs.  From the most popular food spots, to local attractions and best places to stay.

Social networking: Make use of your friends on social networks.  Ask anyone if they’ve visited the areas you are planning to visit.  I bet someone has and will have some really great suggestions on places to check out.

The Bus: That’s right the bus, it’s not as unconventional as it may seem.  If you are looking to save some money and don’t want to drive yourself, then consider taking the bus to your destination. From the Bolt bus to the Megabus.  They are all new buses with perks including wi-fi.  Give it a chance you might just enjoy the change.

Use Your Miles: There is no sense holding on to these forever.  Typically most miles expire within 18 mths.  So why not make use of these on your next trip and save yourself some cash.  The cash you would have spent can now be used towards you vacation.

Travel Insurance: Travel Insurance is worth purchasing for big-ticket trips that are largely non-refundable. The typical plan will cover emergency medical expenses and baggage loss and delay, and recover at least some of the cost of your trip if your vacation has to be canceled or cut short.

5 Must Haves: Every traveler should have these 5 items when traveling.  A durable, lightweight bag on wheels, plastic ziplock bags, duck tape, your passport, and a slim digital camera.

Hopefully these tips will be helpful for your next vacation.

Penny Hanley & Howley Insurance

Protecting YOU is our Job




Small Business Tips: Networking

phh insuranceNetworking as you know is a vital part of growing your business.  I know you’re thinking, when do I have time for this among the everyday grind of running my business.  Yes we are all very busy just trying to keep things going, but taking one hour a month out of your time can be very helpful to growing your business.  There are a variety of networking meetings in every state.  Whether you belong to a local Chamber of Commerce or a community business association, there is a meeting that will fit your needs.  Another option is to look at meetup groups in your area as well.

We have attended several types of networking meeting ourselves and have met a variety of people and businesses. Making these connections not only allows you to meet new prospects for your business, but you may find valuable services that will help your business as well.

Another option that can help in spreading the word about your business would be to make use of those business cards.  Keep a large stack of them on you at all times.  You will find many shops that have bulletin boards where you can leave a handful of business cards.  Also look for community bulletin boards where you can leave them as well. Focus on your community first, your local coffee shop, breakfast diner or restaurant.  Many times they have a place to leave business cards.  Consider doing the same in your business.  Put up a bulletin board where people can leave their business cards. Share the love.

You never know who you’ll run into in your travels, keeping those business cards with you will always allow you a chance to spread the word about your business to others.  I can’t tell you how many times I’ve run into people and had those business cards on me and proved to be a great connection.

This may seem almost too simple, but sometimes it’s the simple things that can help grow your business best.

Remember for all your small business insurance needs give us a call.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

Do you really understand your insurance policy?

connecticut home insuranceWhen’s the last time you looked over your insurance policy.  Do you know if you have the proper coverage if a loss were to occur?  Have your reviewed your insurance policy within the last year?  If you answered know to any these questions your not alone.  According to a recent article from CNBC and a study done by Trusted Choice many people don’t know.  Trusted Choice did a phone survey of 1,000 people. Respondents answered questions about their personal insurance policies. The results were alarming, indicating a stunning lack of knowledge by consumers of their own insurance coverage.

The results were as follows:

  • Almost 40 percent of respondents weren’t confident they have adequate coverage.
  • About 40 percent said they don’t know what’s in their policies.
  • Only about 60 percent of those surveyed said they do any research before buying insurance.

Those results are very alarming. It’s no wonder so many people make mistakes when purchasing insurance. These mistakes can be costly.

Not knowing your limits is one such issue. What if you got hit by an uninsured driver?  Did you know that 1 and 7 drivers on the road don’t have auto insuranceNot having high enough limits yourself can leave you in real financial distress, especially if you were severely injured. In such a case, your policy will pay, but only up to your limits.

There are ways to avoid these issues.  Periodically touch base with your insurance agent to review your current insurance policy.  Let your insurance agent know if there has been any major lifestyle changes that also make effect your coverage. Also take the time to read through your policy when you renew it each year.  Make sure you have the coverage you want for your assets.

Have any questions regarding your current policy give one our agents at Penny Hanley & Howley Insurance.  We are always here to assist you.

Penny Hanley & Howley Insurance

Protecting YOU is our Job


8 Signs That Your Car Has Pothole Damage


Great advice from our Business Partner Forty’s Carburetor & Auto Repair

Originally posted on Forty's Carburetor & Auto Repair:


A pothole can be your car’s worst enemy. These holes or pits on a road’s surface can seriously damage a vehicle’s ride-control system.

SUV vehicle sinks into the road after heavy rain in Hangzhou, Zhejiang, China - 19 Jun 2012

If you do drive over a pothole, we recommend that you have your car’s shocks or struts checked to make sure they aren’t damaged.

Shocks and struts control how vehicles ride and handle. The shock absorbers, or struts as they are referred to on late-model vehicles, act as a cushion to dampen the bouncing action of a car’s springs. The springs absorb the road bumps; without them, the vehicle would continually bounce and bound down the road, making driving extremely difficult.


Shocks and struts also control spring and suspension movement to keep the tires in contact with the road. This affects steering, stability and braking. A broken shock or strut could alter the steering and handling of a vehicle and create driving dangers.

It’s important to be…

View original 164 more words

Dont’ Miss the Full Lunar Eclipse

full lunar eclipse

photo credit Earthsky

April 14- 15th is the start to the series of four lunar eclipse’s.  According to Earthsky , “The April 2014 full moon will pass directly through Earth’s dark (umbral) shadow, to stage a total eclipse of the moon for nearly 1 and 1/3 hours, during the nighttime hours on April 14 or 15 (depending upon time zone). A partial umbral eclipse precedes totality by over an hour, and follows totality by over an hour, so the moon takes a little more than 3 and ½ hours to completely sweep through the Earth’s dark shadow. On eclipse night, the brilliant “star” near the April full moon is no star at all but the red planet Mars. They’ll be within each others vicinity all night long.”

The total eclipse on Tuesday is the start to four eclipse’s that will take place over 2014-2015. There will be another total eclipse this year on October 8, and also on April 4 and September 28 of 2015.

As the lunar eclipse takes place the moon will turn a burnt reddish color which is being called the “Blood Moon”

According to NASA, people in North and South America will be able to see the entire eclipse, while sky watchers in the western Pacific can catch only the last half. The moon will be setting in most of Europe and Africa during the eclipse, so residents there probably won’t see much.

So if you are a sky gazer this is your chance to catch this full lunar eclipse, but you’ll have to stay up late Monday night into Tuesday morning to catch this. NASA says around 2 am the heavenly curtain rises and the moon will start to slide into Earth’s shadow.

Hoping everyone has the chance to get this beautiful sight in the skies.  If you are able to get pictures, please feel free to share them with us.

Penny Hanley & Howley Insurance

Protecting YOU is our Job.




300th Blog Post

Wow, we’ve hit 300.  We’ve come a long way in two years of blogging.  300 may not seem much to many bloggers, but we have built a following and work hard to write a blog that is informative, but not boring. Writing an insurance blog can be a challenge. So we like to mix in some interesting and fun information as well. From giving you tips for your home, auto and business to covering local events happening.

We greatly appreciate all the feedback from all our followers and hope you will continue to do so.  We would love to hear from you now as well.  Let us know what you would like to see more of in our future blogs.

We are going to keep this blog short and sweet but leave you with a little Spring Inspiration with this great video we found on youtube.

Warmer weather is here…get out this weekend and enjoy it.

Penny Hanley & Howley Insurance


Simple ways to avoid a Loss of your property or home

homeowners insuranceThe thought of a loss of property or complete loss of your home can be devastating.  What’s even more difficult is when the loss was something avoidable.  Taking preventative measures in your home can help reduce the possibility of a future loss of your home or property.  These common causes below can be avoided and keep you and your home safe if you take the time to address them.

Kitchen Fires – one of the most common causes of a home loss starts in the kitchen.  This is due to food left unattended on the stove which many times can cause a grease fire.  If you have a grease fire, the best thing to use is baking soda or flour to put it out, never use water.

Candles – another common cause of home losses.  Never leave a candle burning near flammable materials. Always remember to snuff out your candles before leaving your home.

Smoking – smoking in your home not only leaves a film and smell in your home but can cause a house fire if a lit cigarette is left unattended in your home.  Make the effort to smoke outside your home to avoid this potential hazard

Dryer fires – when is the last time you cleaned out your dryer vent?  Built up lint in your dryer vent is another fire hazard for your home.  To avoid this hazard clean out your dryer vent at least once a month.

Property in your vehicle – don’t leave valuable items in your car, as this leads to the potential for theft

Washing machines – these are a common water loss claims.  At least once a year you should check your washing machine hoses to make sure they are not brittle, cracking or loose.  Typically you should replace your hoses every couple years.  Always remember to shut off the water to your washing machine when not in use.

Remember these few tips and avoid potential property or home losses. And to make sure you have the proper home and property coverage, contact Penny Hanley & Howley Insurance

Protecting YOU is our Job


Get every new post delivered to your Inbox.

Join 2,489 other followers

%d bloggers like this: