William M. Sparks 1945 - 2023
My father, William (Bill) Sparks, passed away sadly but comfortably Sunday morning, surrounded by his family. He was a kind and loving man with a heart of gold. There are so many who loved him and will feel this loss – in the business world and far beyond. He would say thank you to all of his small-business customer for their support, and he would wish everyone peace and happiness. I have run the William M. Sparks Insurance Agency for many years now, and I will continue to run it just as my father did and as he would want me to do. On behalf of my family, I thank you all for your kind words, well wishes and support at this time. --- Danielle Sparks
Many winter-related disasters can be prevented if you take a few simple steps to protect your home from freezing temperatures, snow and wind. If you have not winter-proofed your home yet, the time is now.
The Insurance Information Institute warns that more than 10 percent of all catastrophic losses are the result of winter storms. They offer the following tips:
If you have not recently done so, be sure to check with your insurance agent to be sure that your Homeowners Insurance coverage is as complete as possible and that you're still receiving the best rate available. It's too late to do so after winter weather damage occurs.
Whether you have made New Years Resolutions to improve your personal or business life, a few tips and tools from the experts might help to make this the year that you reach the goals you aspire to.
Are you one of the 45% or so of American adults that make New Year’s resolutions each year? How does that work out for you? Do you stick to them, or do you tend to lose your resolve as over half do after the first month? Regardless of whether you have met your goals in the past, it’s a good idea to keep trying. The folks at ProactiveChange.com tell us that those who make explicit resolutions are ten times more likely to attain their goals in life than those who don’t make such resolutions.
An unforgettable way to visualize your goals is with a Vision Board. Learn more about creating and using your own vision board here.
Bankrate.com advises not to make “cheap resolutions” but to focus on only one or two goals that you really want to reach and forget about what other people want you to accomplish. They also suggest automating your efforts to let your technology help to keep you accountable.
How about trying “mini-resolutions” – taking small bites of a big goal to assure success.
No matter what you resolve to change this year, plan to sit down with your insurance agent to review your policies and discuss any new insurance needs. Whether it is auto, home, life or business insurance, knowing that you have the best coverage in place to meet your needs gives you the peace of mind you need to pursue all other resolutions.
Here at the William M. Sparks Insurance Agency, our experienced agents are ready to help you consider your insurance options so you can make the right decisions. Why not arrange a policy review or contact our office at your convenience?
According to the U.S. Postal Inspection Service, identity theft is now the fastest growing crime in America. It can include credit card fraud, Internet fraud, mail theft, among other crimes; and in 2012 at least 9.9 million Americans were victims with a loss of about $5 million. Identity thieves steal your personal information which could include your Social Security Number, credit card numbers, or your bank account data including ATM PIN code. You have likely been warned about this crime, and you may think you are careful with your information; but identity thieves are becoming more and more clever at getting what they want.
One method these criminals might use is called "shoulder surfing" where the thief simply stands near you as you use your bank’s ATM, watching as you enter your PIN. Listening in on your phone conversation as you make a purchase and give your credit card number is another thieves’ trick. In fact, with cell phones, a thief can appear to be innocently texting or talking on the phone while actually snapping pictures of your credit cards or record your entire conversation.
Cyber criminals often now use online "phishing" (pronounced “fishing”) to capture your personal information. The cyber thief sends e-mails appearing to be from legitimate banks or credit card companies, often indicating that there is a problem with your account. They usually provide a link to a fake website – made to appear official – where they ask you to "verify" your account by providing your Social Security Number and/or other confidential information. If you comply, then your identity is stolen before you even know it.
A low-tech, less sophisticated way used by some ID thieves is "dumpster diving" -- going through dumpsters to find bank statements, checks, credit card statements or other items that contain your address and account number.
As identity criminals find more ways to ply their crime, it is important to remain aware and do what you can do to protect yourself: The following are a few common sense suggestions from the International Risk Management Institute Inc.
Despite your best efforts, you could become a victim of identity crime, so it’s important to consider protecting yourself with Identity Recovery Insurance before you need it. Many major insurance companies offer the coverage. So check with your insurance agent to find out how you can be best protected.
Here in Lutherville – Timonium (MD) at the William M. Sparks Insurance Agency, our agents are familiar with Identity Recovery insurance and can help you explore your options at your convenience. Contact us for information or to discuss how we can help.
When we get a referral from a client or a friend in the community like yourself, it means a lot to us. The experienced agents here at William M. Sparks Insurance in Timonium, MD, work hard to earn each referral by providing “top notch” service with every call and visit. Now, we’ve found a way to say thank you for this business through our Sparks Insurance Referral Program. It’s our way of showing appreciation for all the referrals our loyal friends have sent our way.
We appreciate Patti's confidence in our agency, and we're pleased to award her prize -- a $100 Amazon Gift Card.
We'll be drawing another lucky winner sooner than you think. If you've been satisfied with our agency and share it with others, it could be your name that we draw next time. Check out our website for the Referral Program details, and then decide who you know that could use the service and expertise of Timonium/Lutherville's best insurance agency.
By referring your friends, neighbors and family to William Sparks Insurance Agency, you can enjoy a win-win. Not only will you be automatically entered into our drawing to be the next Referral Program Winner, but you will also have the satisfaction of knowing that you have helped those that you care about to have access to the best insurance service and expertise in Lutherville/Timonium and beyond.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.
If you have pets, you have probably worried about leaving them in your house unsupervised. In particular, home fires are likely a big concern. In fact, the National Fire Protection Association (NFPA) indicates that 500,000 pets a year are affected by house fires. Moreover, pets are reported to be responsible for starting 1,000 house fires.
So how can you prevent your pets from starting a fire in your home and also protect them from fire-related injury? The American Kennel Club and ADT Security Services offer the following tips that could save your pet’s life.
Homeowners Insurance Tip
Even when you "pet proof" your home and remain aware to prevent pet-related accidents, sometimes those accidents can still occur. Be sure that you are fully protected. Have a conversation with your insurance agent well in advance of a time when you'll need it to be sure that you have the homeowners insurance coverage you need on your policy. He or she will help you to anticipate any circumstances that might given your lifestyle because it's too late after the accident happens.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium MD to discuss your home insurance. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.