A H & M Insurance Agency

A H and M Insurance Agency, LLC's business lines specialist's will take your information, and will provide you with rates from multiple top rated independent insurance companies.
We listen to your needs and find the best combination of price and coverage.
We explain the different options and coverage, so you can make the best decision on which plan works best for you.
We would like to hear from you.

Would you be interested in a few ways your smartphone may be able to lift your spirits, the spirits of someone else and enhance your life every day?
Here are a few.
Near the end of the day, email yourself an encouraging note about what you want to get done the next day.
Use uplifting, positive language like "You are going to have a great meeting with Bob and Frank." or "You will be energized all day and be productive."
Make a habit of reading this email first in the morning before getting into other less positive emails, news, or social media.

For some, electric cars have become a way in which to reduce our carbon footprint and save energy.
For others, it may just be a way to drive more economically.
If an electric car is on your radar, here are some things about the vehicles that may surprise you.
Actually, electric vehicles precede those of combustion engines, dating back to 1832.
They became more popular in the 1870s, but cheap oil prices made combustion engines more attractive in the early 1900s.
This is mainly due to battery weight.

It is the best of times and the worst of times.
You are sending your "child" off to college, another if life's little mileposts reminding you the clock is ticking.
That sadness, however, can quickly be replaced with pride and just a bit more time of your own at home.
If your student is a freshman, or in some cases, even if they are a sophomore, they may be required to live on-campus in a traditional dorm.
Check with your college or university to see if off-campus living may be an option.
You probably will have the option of some furnished or non-furnished apartment options.

Radio, specifically broadcast radio, was invented by Italian Guglielmo Marconi in 1895 when he both sent and received a radio signal to himself.
Contrary to popular belief, the first commercial took years to hit the airwaves.
The first commercial radio station in the United States was Pittsburgh's KDKA, which signed on in 1920, some quarter century later.
KDKA's call sign is in itself an anomaly as stations East of the Mississippi start with a "W" and those West of the Mississippi start with a "K".