Items filtered by date: September 2025

We tend to regard water, power, and even Internet as essential, and we take them for granted.  But in the event of an emergency, all bets are off.  You could suddenly find yourself without those essentials for days or even weeks if emergency strikes.

Depending on where you live, you could be vulnerable to either natural disaster such as heavy snow, flooding, tornado or hurricane  or some form of man-made disaster. That’s why your family should have an emergency plan and supplies ready for any type of disaster. Your plan should be tailored to your family and your location, and you'll want to have a home emergency kit that you can prepare now and reach for quickly when the need arises.

See this Checklist of Home Emergency Items advised by ERIE Insurance to help you survive the next emergency.

You may not be able to predict a disaster, but good preparation in advance will reduce your stress and help eliminate chaos if or when disaster strikes.  Part of your preparation is to have a solid Homeowners Insurance policy structured to meet your family's needs. 

Here at William M. Sparks Insurance Company, we can help you to review your Homeowners Insurance coverage and offer you the right package at the best rate available. Reach out to us  by phone (410-252-8304) or visit our website (https://wsparks.com/personal-insurance/homeowners-insurance.html) well before disaster strikes.

Education is expensive whether you are pursuing a college degree, career certifications at a trade school, or something else.  Even with grants and scholarships, many students face the need for funding through loans in some way.  While grants and scholarships typically require no repayment, loans must be repaid. Many types of loans are possible, from federal loans to parent+ loans to private loans; and each arrangement has its own rules.  Co-signers and spouses might share the student loan debt in some circumstances. 

Paying off such loans can take years beyond graduation.  Thus the question:  If I die before my student loans are paid, what happens to that debt?  The answer:  It depends!

Learn more here as ERIE Insurance walks you through what happens to the debt and what solutions and options exists – including the role that Life Insurance can play.

Here at William M. Sparks Insurance Agency, we can help you to learn more about the protection and peace of mind Life Insurance for student loans can offer. We can answer your questions and help you tailor a solution that uniquely fits your needs.  Reach out to us anytime by phone (410-252-8304) or visit our website at  http://www.wsparks.com.