Red, white, blue and … safe! Fireworks make for a festive Fourth but before you light that sparkler, keep in mind that it burns at a metal-melting 1,200 degrees. It’s National Fireworks Safety Month, a good time to learn about festive alternatives.

Celebrate! And have a happy and safe Fourth of July.

Summer storms might cool things off, but lightning can do serious damage, too. Is your home ready? A few simple steps can help you keep your household safe. farme.rs/SummerStorms

I thought every month was National Ice Cream Month, but apparently it’s only July. Time to celebrate. What’s your favorite flavor?

Bring on the heat! But take care as temperatures soar. Extreme heat can take the fun out of your summer — or worse. Keep an ear tuned to summer heat warnings.

Road trip or exotic vacation this summer? Planning ahead can help you travel safely. But if trouble finds you on your journey, a personal umbrella policy could help. Ask me how.

Dreaming of that first major camping adventure with the family? Pitch a tent and sleep under the stars in your own backyard to test your gear and pique their interest.

Does *anyone* not have insurance questions when renting a car? I thought so. Let’s find out if your rental has coverage under your current Auto policy.

When back to school means packing for college (sheesh, already?), remember to add “review their insurance coverage” to your checklist. I can help

Condos can make home ownership easy. Roof need fixing? That’s the HOA’s headache. But things can get complicated. Let’s review your HOA’s master policy and find out if your policy includes the coverage you want.

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

Is your garden hose long enough to reach any area of your property? Simple considerations like this can help you get prepared for wildfire season.

If your college kid is living off- campus for the first time, maybe it’s time to have The Talk … about renters insurance. Call me to learn more about what renters can cover.

Exterior doors can help protect your house against a hurricane’s fury — as long as they’re hurricane proof. Learn more about strengthening your home against hurricane winds and rain. farme.rs/9Steps

If an evacuation is ordered, do you have a go-bag ready for your furbabies to roll with you? Learn more about how to help keep the furry, four-legged members of your family safe and calm in the chaos. farme.rs/PetPrepardness

Sure, your manufactured home is a dream home – but did you know the insurance coverage is actually quite different? I can help you sort through your coverage options so you can make a confident, informed choice.

From bikes to laptops, your college kid’s gear is a key ingredient in their success. Let’s talk about whether their belongings are covered under your home insurance policy if they’re stolen or damaged — or how to get additional coverage if they’re not.

Here’s one way you may actually *save* money while your kid is away at college: If your student only drives the family car on breaks, you might catch a break on your auto insurance. Let’s talk about your current coverage.

When the power goes out, are you ready?

Fill in the blank for National Coffee Day (today!): Without coffee, I would be …