Month: December 2021

2022 is upon us and we cannot wait to start another year of wellness! Our employee wellness program offers $10.00 of rewards for every 1,000 points earned. The max value for 2022 is $905.00! In addition to our regular monthly and annual point options, we are challenging our team to participate in the both physical and mental health challenges below in 2022. We  hope you will consider joining us!

You would think that newer things are more expensive to insure, but that actually isn’t always the case when it comes to your home insurance. Check out the home updates below that can lower your premium! It turns out, all our HGTV watching may just come in handy.

1. A New Roof
   For most insurance companies, a new roof can mean a good bit of savings. A new roof typically can withstand weather better than an older one, and, therefore, can save you (and the insurance company) some money. If you have had a new roof put on, and we do not already know about it because of a claim, be sure to let your agent know!
2. A Security System
   Make sure your insurance company knows if you just installed a security system. There are lots of different options on the market that you can self-install, making security systems more accessible than ever. Before you purchase, check with your agent, because your insurance company may have a list of devices that qualify for a discount.
3. A “Smart Home” Addition
   More and more “smart” devices are becoming available and affordable. A thermostat that automatically alters the temperature in your home is great for keeping our house at the perfect 70 degrees at all times and it can ensure your pipes do not freeze while on vacation. A newer device on the market – FLO by Moen – can independently detect a leak in your home and turn off the water to your home when a leak is detected. If you travel often, or have a second home, this becomes even more valuable considering undetected leaks can cause hundreds of thousands of dollars in damages.

But be aware – not every upgrade will save you money! Companies typically upcharge for expensive items like solar panels. Installing a pool, while it will most certainly increase your summer fun, also increases your liability risk. A business operating from your home could cause some coverage issues if your insurance provider is not aware of the exposure. The key thing is to update your agent as you make upgrades and changes.

If you have any questions, we are here to help!

Kristal Carpenter, Partner
Jackson, Tennessee
731-664-2700

Ingredients
2 cans canned coconut milk (full fat)
2 teaspoons garlic (minced)
2 teaspoons fresh rosemary (chopped)
2 teaspoons fresh thyme (chopped)
Freshly ground black pepper
5 lbs Yukon gold potatoes, peeled and thinly sliced
1 yellow onion halved and sliced thin
3 tablespoons butter
2 1/2 tablespoons gluten-free all-purpose flour
3 cups grated Gruyere cheese

Instructions
Preheat the oven to 375° F. Lightly grease a 9 x13 inch baking dish.
In a medium saucepan bring Coconut Milk, garlic, rosemary, thyme and pepper to taste to a boil. Turn off heat and set aside. Note: Gruyere is pretty salty so I don’t use any additional salt when making this dish.
Wash potatoes well, slice thinly and cover with cold water to get rid of some of the starch. Set aside.
Melt butter in a medium-size saucepan over medium heat. Whisk in flour until smooth. Cook, whisking constantly, until mixture turns a golden brown color.
Slowly whisk in the herbed coconut milk, a bit at a time. Stirring, bring to a boil and remove from heat.
Drain potatoes and layer 1/3 and 1/3 of the onions on bottom of baking dish, overlapping each slice about half way. Pour 1/3 coconut sauce over potatoes and sprinkle with 1 cup of Gruyere cheese. Repeat layers 2 more times, only reserving last cup of cheese for later.
Cover with foil and bake 45 minutes. Remove foil and sprinkle with Gruyere cheese. Bake uncovered 15-20 additional minutes. If potatoes are soft and a darker color is desired, broil potatoes until cheese is browned.