The English Insider Newsletter Nov.-Dec. 2021

| November 30, 2021


With the Christmas season nearing, we're happy to feature our friends and clients at Rockville Tree Farm! Scott and Lisa Lueken and family have provided customers with farm fresh family fun for 23 years! Located south of Dyersville at 3318 Rockville Rd. Worthington, IA 52078, they are open Fri. 11/26-Sun. 11/28 and Sat. 12/4-Sun. 12/5, closing for the season at dark on 12/5.

Christmas Tree Safety Tips from the Rockville Tree Farm professionals:

1) Always choose a fresh tree. If you’re not putting the tree up immediately, be sure to make a fresh cut off the bottom of the tree stump to open pores before you place the tree in your stand.

2) Use a sturdy stand that holds a large amount of water.

3) Water the tree and recheck water level often to always keep the bottom of the tree trunk submerged in the water. The tree will take a lot of water in the first few days. Never let the water go below the end of the cut stump.

4) Keep away from heat. Keep your real tree away from a heat register or heat source.

5) Recycle the tree after Christmas. Recycled trees can be used for mulch or compost. You can also put the tree in your back yard and it makes a great winter habitat for birds. Trees can be submerged in ponds to benefit the fish as well.

For more information on Rockville Tree Farm here.


Reflections In The Park Walk Through - Nov. 24th 6-8pm

Small Business Saturday - Nov. 27th

James Kennedy Public Library Winter Holiday Fun - Dec. 4th 9:30am-12:30pm

Textile Brewing Ugly Sweater Party - Dec. 16th. 5-8pm

DBQ Co. Fairgrounds Breakfast with Santa - Dec. 19th 8am-12pm


Do I need to insure my jewelry separately, or is it covered by my homeowner policy?

This is a common question around the holidays. If you receive (or are gifting) a high-value item this holiday season we would recommend that you contact your insurance agent to discuss how the item is best covered.

Jewelry is likely among one of the most valuable items you own – it’s also fragile and can be easily stolen. Unfortunately, that means the coverage is also limited on your homeowner policy.

If your jewelry is damaged due to a covered peril, such as fire, or tornado it’s covered by your homeowner insurance policy, however your deductible applies. If it’s stolen, there is a policy limitation, likely covered only up to $1,000-$2,500 depending on your policy. If you are cleaning the sink and your ring falls off and down the drain, it’s likely not covered at all, since there is no peril.

You can, however, schedule your jewelry and cover it for the amount you want, usually on an agreed value basis or up to scheduled amount, for an extra premium.

The same type of coverage and limitations apply to musical instruments, sporting goods (golf clubs) and camera equipment.