Did you know that the average American checks his or her phone 80 times a day? We're using them while we're shopping, eating, watching TV, and yes, driving. We're even using our phones while talking to family and friends. 

Put down the device and become more mindful of the people and experiences around you. Here's a one-week digital detox to help you dial back your phone attachment. 

Whether you are hitting the course in a golf cart or heading for the trails on your ATV, accidents can happen. Make sure you are covered. 

Golf carts, ATVs, utility vehicles, side-by-side, and UTVs are all considered sporting vehicles and should be insured. 

How you use your sporting vehicle affects what type of coverage you need. The following coverages are common for sporting vehicles, and some are even required where you live. 

Farms are a rare combination of workplace and home. Because kids grow up "at home" on the farm, we may not think to give them the same kind of safety training we expect in a workplace. 

It's not uncommon for a construction or landscaping company, for example, to hold weekly tailgate talks reminding employees of job site hazards and the steps they can take to stay safe. 

Try the same tactics with kids on the farm. 

Tires are a crucial part of your day-to-day travels, but they can be easily overlooked when you're inspecting your car. It's important to note, however; that there are significant benefits to checking them frequently – including better fuel economy, a safer drive, and easier handling of your device. 

Follow these tips to ensure a smooth ride.  

Close your eyes for a moment and picture this scenario. 

You have a gorgeous maple tree on your property. For years it's been the focal point of your yard with people often stopping to tell you how lucky you are to have such a beautiful tree on your property. Sure, you're lucky, until that one summer day when that maple tree decides to push a tree root into a water pipe running underneath your property. 

What do you do now?