Mike Gately Farmers Insurance Agent

Get up an hour earlier, or go to bed an hour later? The end of daylight saving time is Nov. 6 at 2 a.m. Unless you live in Arizona or Hawaii, remember to set your clock back one hour. Why? Good question. Learn a few facts (and, no, it has nothing to do with farmers). farme.rs/daylightsaving

Happy Halloween, everybody! Here’s an important question: Costume or candy — which is the most important?

Grumpy cats! Zoomie cats! Fat cats! Cats in shark costumes! The best thing the internet ever gave us? Cat memes. What’s your favorite? And happy National Cat Day.

You’re excited. You’re scared. And, truth time, maybe you don’t know what “replacement value” means? Buying a new home is BIG and making sure you have the homeowners insurance that is right for you can feel daunting. I’m happy to answer your questions.

It’s National Teen Driver Safety week, so if your teen gives you nothing but [eyeball roll emoji] when you talk about safe driving, consider this: it’s not what you say, it’s what you do. Put the phone down and keep your eyes on the road when you’re driving.

Life can be complicated. Understanding what your condo insurance does or doesn’t provide coverage for shouldn’t be. Let’s talk about your policy options.

Wet roads. Slippery leaves. Ice! And it’s getting dark earlier. Give yourself extra room to stop, stay a safe distance from the car in front of you and make sure your tires and brakes are in good shape.

Change the HVAC filters, put up the storm windows, clean out the gutters. If it all sounds like a chore now, imagine when its 20 degrees outside. There’s still time to get your home ready for winter’s cold, snow and ice. farme.rs/FallTips

Ahhh, autumn leaves. They blaze, they amaze. And then they fall and gum up your gutters, just in time for the rain and snow. Cleaning clogged gutters now can help prevent damage to your roof and home this season.

Fill in the blank for National Coffee Day (today!): Without coffee, I would be …

When the power goes out, are you ready?

Here’s one way you may actually *save* money while your kid is away at college: If your student only drives the family car on breaks, you might catch a break on your auto insurance. Let’s talk about your current coverage.