--- title: Straight Talk - The Arnold Insurance Blog (10) description: Straight Talk - Arnold Insurance blog with tips, stories & information. (10) --- Contact Us [![Arnoldic](https://blog.myarnoldteam.com/hs-fs/hubfs/raw_assets/public/Arnoldic_August2022/images/new-header-image.png?width=413&height=135&name=new-header-image.png "Arnoldic")](https://www.myarnoldteam.com/) - [Company](https://www.myarnoldteam.com/) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - [Resources](https://www.arnoldic.com/) - [Straight Talk/Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106) - [Company](https://www.myarnoldteam.com/about) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - Resources - [Straight Talk | Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) - [Request a Quote](https://www.myarnoldteam.com/quote) ![shutterstock\_1919408156-1](https://blog.myarnoldteam.com/hubfs/shutterstock_1919408156-1.jpeg) ### Straight Talk [coverage](https://blog.myarnoldteam.com/straight-talk/tag/coverage), [quote](https://blog.myarnoldteam.com/straight-talk/tag/quote), [auto](https://blog.myarnoldteam.com/straight-talk/tag/auto), [Arnold Insurance Difference](https://blog.myarnoldteam.com/straight-talk/tag/arnold-insurance-difference) ## [How Long are Insurance Quotes Good For?](https://blog.myarnoldteam.com/straight-talk/how-long-are-insurance-quotes-good-for) It’s a good idea to explore your options when buying insurance. That means getting insurance quotes... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/how-long-are-insurance-quotes-good-for) [safety](https://blog.myarnoldteam.com/straight-talk/tag/safety), [Snow](https://blog.myarnoldteam.com/straight-talk/tag/snow), [covid19](https://blog.myarnoldteam.com/straight-talk/tag/covid19), [Winter](https://blog.myarnoldteam.com/straight-talk/tag/winter), [safe](https://blog.myarnoldteam.com/straight-talk/tag/safe), [coronavirus](https://blog.myarnoldteam.com/straight-talk/tag/coronavirus), [Ice](https://blog.myarnoldteam.com/straight-talk/tag/ice), [season](https://blog.myarnoldteam.com/straight-talk/tag/season) ## [Stay Inside, Stay Safe: 7 Cozy At-Home Winter Activities](https://blog.myarnoldteam.com/straight-talk/stay-inside-stay-safe-7-cozy-at-home-winter-activities) Baby, it’s cold outside! As winter weather digs in deep, it’s time to explore things you can do to... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/stay-inside-stay-safe-7-cozy-at-home-winter-activities) [Family](https://blog.myarnoldteam.com/straight-talk/tag/family), [coverage](https://blog.myarnoldteam.com/straight-talk/tag/coverage), [Support Local](https://blog.myarnoldteam.com/straight-talk/tag/support-local) ## [Choosing the Right Insurance Agency: Local vs Lizard](https://blog.myarnoldteam.com/straight-talk/choosing-the-right-insurance-agency-local-vs-lizard) Originally published 11/10/20 - Updated 1/26/23 Making an insurance claim can be stressful when you... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/choosing-the-right-insurance-agency-local-vs-lizard) [truck](https://blog.myarnoldteam.com/straight-talk/tag/truck), [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [driver](https://blog.myarnoldteam.com/straight-talk/tag/driver), [auto](https://blog.myarnoldteam.com/straight-talk/tag/auto), [commercial risk assessment](https://blog.myarnoldteam.com/straight-talk/tag/commercial-risk-assessment), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [5 Safety Tips for Commercial Drivers Driving in the Winter](https://blog.myarnoldteam.com/straight-talk/5-safety-tips-for-commercial-drivers-driving-in-the-winter) Being a commercial driver is a rewarding career with many opportunities for advancement and good... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/5-safety-tips-for-commercial-drivers-driving-in-the-winter) [worker's compensation](https://blog.myarnoldteam.com/straight-talk/tag/workers-compensation), [employee](https://blog.myarnoldteam.com/straight-talk/tag/employee), [worker's comp](https://blog.myarnoldteam.com/straight-talk/tag/workers-comp), [employer](https://blog.myarnoldteam.com/straight-talk/tag/employer) ## [Workers' Compensation A Win-Win for Employers and Employees](https://blog.myarnoldteam.com/straight-talk/workers-compensation-a-win-win-for-employers-and-employees) Having an employee injured on the job is every employer’s worst nightmare. Sadly, it is a scenario... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/workers-compensation-a-win-win-for-employers-and-employees) [Home Insurance](https://blog.myarnoldteam.com/straight-talk/tag/home-insurance), [Liability](https://blog.myarnoldteam.com/straight-talk/tag/liability), [risks](https://blog.myarnoldteam.com/straight-talk/tag/risks), [House](https://blog.myarnoldteam.com/straight-talk/tag/house), [personal](https://blog.myarnoldteam.com/straight-talk/tag/personal), [employees](https://blog.myarnoldteam.com/straight-talk/tag/employees) ## [Is Working From Home Covered Under Your Homeowners Insurance Policy?](https://blog.myarnoldteam.com/straight-talk/is-working-from-home-covered-under-your-homeowners-insurance-policy) According to a recent Gallup poll, some seven out of every 10 white-collar workers are still... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/is-working-from-home-covered-under-your-homeowners-insurance-policy) [holidays](https://blog.myarnoldteam.com/straight-talk/tag/holidays), [Claims](https://blog.myarnoldteam.com/straight-talk/tag/claims) ## [Seasons Greetings: Crazy Christmas Claims](https://blog.myarnoldteam.com/straight-talk/seasons-greetings-crazy-christmas-claims) Originally published 12/4/22 - Updated 12/20/22 Ho, ho, ho! The holidays are quickly approaching.... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/seasons-greetings-crazy-christmas-claims) [Protection](https://blog.myarnoldteam.com/straight-talk/tag/protection), [holiday](https://blog.myarnoldteam.com/straight-talk/tag/holiday) ## [Protect your Presents, Keep the Grinch from Stealing Christmas](https://blog.myarnoldteam.com/straight-talk/protect-your-presents-keep-the-grinch-from-stealing-christmas) Originally posted 12/8/20 - Updated 12/9/22 ‘Twas the night before Christmas and all the Whos in... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/protect-your-presents-keep-the-grinch-from-stealing-christmas) [Be the Difference](https://blog.myarnoldteam.com/straight-talk/tag/be-the-difference), [Straight Talk](https://blog.myarnoldteam.com/straight-talk/tag/straight-talk) ## [Straight Talk: Tipping Our Hat to Chap](https://blog.myarnoldteam.com/straight-talk/straight-talk-tipping-our-hat-to-chap-0) Originally published 1/15/21 - Updated 11/28/22 Our founder, Chap Arnold, started many great things... 2 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/straight-talk-tipping-our-hat-to-chap-0) [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Key Man Insurance](https://blog.myarnoldteam.com/straight-talk/tag/key-man-insurance) ## [What is Key Man Insurance?](https://blog.myarnoldteam.com/straight-talk/what-is-key-man-insurance) Many companies have employees considered invaluable, often the heart of the business. These are... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/what-is-key-man-insurance) [Home Insurance](https://blog.myarnoldteam.com/straight-talk/tag/home-insurance), [Homeowners Insurance](https://blog.myarnoldteam.com/straight-talk/tag/homeowners-insurance), [FAQ](https://blog.myarnoldteam.com/straight-talk/tag/faq) ## [Answering FAQs About Homeowners Insurance Binders](https://blog.myarnoldteam.com/straight-talk/answering-faqs-about-homeowners-insurance-binders) Buying a new home is an exciting time. One that is filled with a whole new vocabulary. One common... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/answering-faqs-about-homeowners-insurance-binders) [worker's compensation](https://blog.myarnoldteam.com/straight-talk/tag/workers-compensation), [risks](https://blog.myarnoldteam.com/straight-talk/tag/risks), [injuries](https://blog.myarnoldteam.com/straight-talk/tag/injuries), [injury](https://blog.myarnoldteam.com/straight-talk/tag/injury), [commercial risk assessment](https://blog.myarnoldteam.com/straight-talk/tag/commercial-risk-assessment) ## [What's an E-Mod? Experience Modification Explained](https://blog.myarnoldteam.com/straight-talk/whats-an-e-mod-experience-modification-explained) Insurance is an industry that is built on the bedrock of risk mitigation and management. Insurance... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/whats-an-e-mod-experience-modification-explained) Search for Content by Topic: - There are no suggestions because the search field is empty. ### Top Posts [Prev](https://blog.myarnoldteam.com/straight-talk/page/9) [8](https://blog.myarnoldteam.com/straight-talk/page/8) [9](https://blog.myarnoldteam.com/straight-talk/page/9) [10](https://blog.myarnoldteam.com/straight-talk/page/10) [11](https://blog.myarnoldteam.com/straight-talk/page/11) [12](https://blog.myarnoldteam.com/straight-talk/page/12) [Next](https://blog.myarnoldteam.com/straight-talk/page/11) [Contact 800-397-2427](tel:800-397-2427) [Info@myarnoldteam.com](mailto:Info@myarnoldteam.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701](https://g.page/cape-aic?share) - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b) - [![Facebook ](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/myarnoldteam) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/myarnoldteam) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/myarnoldteam) © 2025 Arnold Insurance - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [Contact 800-397-2427](tel:800-397-2427) [Info@myarnoldteam.com](mailto:info@myarnoldteam.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701](https://g.page/cape-aic?share) © 2025 Arnold Insurance - [![Facebook](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/myarnoldteam) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/myarnoldteam) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/myarnoldteam) [Phone](tel:800-397-2427) [Email](mailto:info@myarnoldteam.com) [Get A Quote](https://www.myarnoldteam.com/quote)