Callicott Insurance Agency, Inc.

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Our focus is to help you make an informed decision about the insurance coverage and policy options you have to be confident in your level of protection and pleased with the process.

Wet Basement or Soggy Yard? What Homeowners Should Know About French Drains

A French drain can steer groundwater away from your foundation and yard. Learn how they work, the main types, costs to plan for and where insurance fits in.

Hail Damage or Storm-Chaser Scam? How to Tell Before You Sign

How to document hail damage, tell real roof damage from look-alikes, spot storm-chasing contractor scams and understand how hail claims typically work.

Launch Day Ready: A Spring Checklist for Boat Owners

A spring boat prep checklist covering hull and engine inspections, safety gear, paperwork and the boat insurance questions to ask before launch.

Hit a Pothole? How to Check for Damage and Handle the Repair Bill

A hard pothole hit can bend rims and knock out alignment. Learn what to check, how to report the hole, and how collision coverage usually applies.

High-Mileage Cars: Why the Odometer Doesn’t Tell the Whole Story

A car with 150,000 miles can be a better buy than one with 60,000. Here is how to judge a high-mileage vehicle and keep yours running longer.

Catch It Early: A Driver’s Guide to the Multi-Point Vehicle Inspection

What a multi-point inspection covers, how to read the green-yellow-red results, and when it is worth scheduling one for your vehicle.

Just Bought a Car? How Insurance Works From the Dealership Lot Onward

Is your new car covered on the drive home? Learn how newly acquired vehicle provisions, grace periods, lender requirements and gap coverage typically work.

Whose Insurance Pays When a Neighbor’s Tree Lands in Your Yard?

When a storm drops a neighbor's tree on your property, your own homeowners policy usually responds. Learn why, what's covered and how to prevent it.

Today’s Most Common Concerns About Homeowners Insurance

Homeowners insurance remains a vital safeguard for families nationwide, yet many policyholders feel uncertain about their coverage amid today’s market shifts. With rising construction costs, evolving home features, and frequent premium adjustments, common questions include: “Is my policy still sufficient?” and “Why did my rate increase again?” At our agency, we focus on simplifying these concerns so clients can feel secure knowing their home and finances are well protected.

One of the most frequent issues right now is the noticeable rise in premiums, even for homeowners with clean claims records.…

Is That Email Really From Your Vendor? Stopping Small Business Phishing

Phishing now looks like everyday business email, texts and calls. Here's how small businesses can spot it, stop it and limit the damage.

Uninvited Tenants: Getting Wildlife Out From Under Your Deck or Porch

Raccoons, skunks and groundhogs love the dark space under porches and sheds. Learn the signs, gentle ways to move them along, and why insurance rarely helps.

Frozen Pipes 101: A Homeowner’s Cold-Snap Game Plan

Where pipes freeze, how to prevent it, how to thaw a frozen line safely, and what to do (and know about insurance) if one bursts.

Winterizing Your Business: Keeping Pipes From Freezing and Bursting

Empty buildings on cold nights are prime targets for burst pipes. Learn where business plumbing is most vulnerable and how to prevent costly water damage.

The Science of the Second Look: Why We Rubberneck and How to Stop

Slowing down to stare at a roadside crash feels harmless, but it's a real form of distracted driving. Learn why your brain does it and how to keep your eyes ahead.

Blizzard on the Way? A 24-Hour Prep Plan for Your Home, Car and Family

When heavy snow is in the forecast, a little preparation goes a long way. Use this timeline to get your home, vehicle, pets and family ready for the storm.

Wipers Up or Down Before a Snowstorm? Settling the Winter Driveway Debate

Should you lift your windshield wipers before snow falls? Here's what really protects your blades, plus safer ways to clear ice and how glass coverage works.

Winter Roads, Hidden Rust: Protecting Your Car From Salt and Brine

Road salt keeps winter roads safer but quietly attacks your car's metal. Learn how salt and brine work, which parts are at risk and how to prevent corrosion.

Dings, Dents and Fender Benders: Who Pays After a Parking Lot Collision

What to do if you hit a parked car, find a dent with no note or back into another driver, and how insurance usually handles each case.

Salt, Slush and Rust: Why Your Car Needs a Wash in Winter

Road salt keeps eating at your car long after the snow melts. Learn when to wash in winter, which wash to choose, and how to avoid frozen doors afterward.

Clear It All Before You Go: Faster, Safer Ways to De-Ice Your Car

What to clear before driving in snow, how to speed up de-icing without damaging glass or wipers, and night-before prep that saves time.

Surviving a Deep Freeze: Protecting Your Family and Home in Extreme Cold

Arctic cold can injure people, strand drivers and burst pipes. Here is how to dress, travel, shovel and protect your home when temperatures plunge.

Chipped Windshield? Why Fixing It Fast Saves Money and Keeps You Safer

A small rock chip can become a full crack overnight. Learn when windshields can be repaired, how to choose a glass shop, avoid scams and use your coverage.

Packing a Roadside Kit That Actually Gets Used

A practical, tiered approach to building a car emergency kit, with seasonal add-ons, family extras, a maintenance routine and tips for staying safe while you wait for help.

Flat Tire Survival Guide: What to Do From the First Thump to the Tire Shop

A flat tire rarely comes at a good time. Learn the warning signs, how to change a tire safely, what to do without a spare, and when a tire can be repaired.

Why Your Workplace Life Insurance Might Not Be Enough on Its Own

Group life insurance through work is a great perk, but it has limits. See where it falls short and how an individual policy can fill the gap.

The Hidden Cost of a Speeding Ticket: What It Means for Your Insurance

How a speeding ticket can affect your auto insurance, why first offenses and out-of-state tickets still count, and steps to limit the cost.

Insuring a Professional Practice: Coverage for Firms That Sell Expertise

Law, accounting, consulting, real estate and design offices face quieter risks than a job site, but they're real. Here's how the core business coverages fit together.

Cold-Weather Range Anxiety: Getting the Most From Your EV This Winter

Cold weather cuts EV range and slows charging. Here is why it happens and the simple habits that help your electric vehicle go farther in winter.

Gifts for the Driver Who Has Everything: Ideas at Every Price Point

From stocking stuffers to track-day splurges, these car-related gift ideas suit commuters, enthusiasts and pet owners alike.

Keep the Glow, Lose the Risk: A Holiday Guide to Safer Candles

Candles set the mood for the season, but they also cause preventable house fires. Here is how to place, burn, maintain and retire candles safely.

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