Black Friday is over and that means we are in the middle of the Holiday Season. During the next 30 days, we will all be busy shopping, eating out and traveling. We can help make sure all your new gifts are properly insured, call us today. This is especially true if you have purchased jewelry, guns or art. It is best to call us to make sure it is properly covered under your homeowner’s insurance policy
Please keep these safety tips in mind, so that you can enjoy the season without incident: Shopping Safety Tips
· Always be aware of your surroundings.
· Put your shopping bags in your trunk.
· NEVER leave car doors unlocked or windows open.
· ALWAYS park in lighted areas. Do NOT park in remote areas.
· Shop with a friend.
· Keep receipts in your wallet or purse.
· Avoid carrying large amounts of cash.
· As you return to your car, make sure to keep your car key in your hand.
· If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy. Christmas Tree Safety (provided by the NFPA)
· Make sure the tree is at least four feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
· Make sure the tree is not blocking any exit or door.
· Add water to the tree stand daily.
· Never use lit candles to decorate the tree.
· Only used approved lights.
· Connect no more than three strands of mini string sets and a maximum of 50 bulbs for screw-in bulbs
· Replace any string of lights with worn or broken cords or loose bulb connections. Home Safety Tips
If you are planning to vacation during the holiday, here are few ideas to consider:
· Get a security system.
· Trim landscaping that is too close to your house.
· Don’t advertise your vacation on social media.
· Cancel mail and other deliveries.
· Leave lights on when gone.
· Have a neighbor check on your home.
· Always lock your garden sheds and garages.
· Use a variable light timer to activate lights inside your home.
· Lock all doors and windows.
· If you gone, arrange for your lawn to be mowed.
· Have adequate exterior lighting
Even in warner states, you need to be prepared for winter driving. Many people hit the mountains to ski or hike. Winter is fast approaching and that should remind you to think about two things. First, now is a good time to review your auto insurance program and second, it is time to start thinking about how driving conditions may change in the next number of months. It might be heavy rain, snow and or even fog, being prepared can help get you safely to your destination.
Winter weather changes almost daily and road conditions can create serious concerns and worries. There are some things you can do to prepare yourself for winter driving:
1. Know the road conditions before you travel.
2. Never warm up a vehicle in an enclosed area, such as a garage.
3. Use all-weather or studded tires.
4. Use your seat belt every time you get into your vehicle.
5. Make certain your tires are properly inflated.
6. Keep your gas tank at least half full to avoid gas line freeze-up.
7. Keep an emergency kit in your trunk.
8. Drive below the speed limit in hazardous conditions.
9. Winterize your car with fresh antifreeze, a good battery, operating exhaust system and oil that will withstand the rigors of cold weather.
10. If possible, avoid driving until the roads are safe and passable. You don't want to slide off the road, and road crews don't want to plow around disabled vehicles.
11. Do a thorough pre-trip inspection of your vehicle paying special attention to your tires, brakes, windshield wipers, and windshield wiper fluid.
12. Allow extra room between vehicles.
13. Brake early, brake slowly, brake correctly, and never slam on the brakes.
14. Let someone know where you'll be going and when you expect to arrive or return. Tell them to call authorities for help if you don't get back or check in within an hour of your estimate.
Keeping up with car maintenance year-round is important, but it carries added significance in the winter to prevent becoming stranded. As always, try to time your routine maintenance ahead of long-distance travel. Putting off service today can turn into an expensive problem down the road.
Its college football season, time to shop for new winter cloths, time to consider how to protect your home from the winter conditions that are fast approaching. We offer these ideas for your review. With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls.
Good Time For An Insurance Check Up
Let our agency provide you with a home, auto and life insurance check-up to make sure you have the best possible coverage. We have access to a number of different markets and can save you even more if you combine your home and auto together.
Prepare For Winter
Have an emergency kit ready; an emergency kit is simply a collection of basic items your household may need in the event of an emergency. Include the following: water, flash lights and batteries, first aid kit, whistles to signal for help, basic tools, manual can opener, small supply of food, radio, candles, lighter, blankets and rope.
The following is a checklist for what homeowners ought to be doing when prepping for the cold season. Stick to it, and you're sure to have a warmer and more relaxed winter experience (scraping and digging out your car notwithstanding).
· Reverse ceiling fan rotation
· Inspect your furnace and replace filters
· Insulate water pipes
· Turn off all outside water and sprinklers
· Clean wood stoves and chimney’s
· Install window insulators
· Store summer tools and prep winter ones · Get a programmable thermostat
· Make sure you caulk or repair and replace any siding that is failing
· Stock up on emergency supplies
· It's always wise to provide an outside air supply for combustion appliances like gas stoves and furnaces. You may need a professional to check this for you
· Make sure your recreation vehicles get the same care as your home
· Seal cracks in windows, doors, foundations, and ducts
· Replace batteries in smoke detectors
· Clean gutters · Add insulation where needed
· Check for leaks in gutters, windows and roofs
· Cut shrubs away from your home
We will make sure you are protected against winter claims, with the right combination of insurance coverage and pricing. We offer competitive premiums and broad coverage for your home, auto and business. Contact us today for a quote.
Many people are unsure what a personal umbrella policy is or what it covers. We will explain the basics of a personal umbrella Insurance policy and the benefits to you. When you are outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your umbrella. An umbrella insurance policy works much the same way.
Personal umbrella insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your personal auto and home policies.
Here is an example: John Doe falls asleep while driving and hits a van with a family inside. The accident results in $600,000 of medical bills, but John Doe's auto policy has a $500,000 limit. Fortunately, John Doe also has a $500,000 umbrella policy, and the additional $100,000 would be covered under the umbrella policy
It is true that personal umbrella insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy. Having the added protection of an umbrella insurance policy is coverage no one should go without.
Umbrella insurance is really not expensive. Please give us a call and allow us to give you a quote!
Halloween is fast approaching. All kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar.
A little pre-planning can prevent unfortunate accidents that could turn out to be tragic for kids and trying for you. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.
Pets first. Dogs, cats, and other furry family companions get scared when oddly dressed strangers approach their door in droves. Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing offsite location for the evening.
Clean up your yard. If your yard gathers stuff - like toys, rakes and other yard tools, hoses, tree branches, you name it - take the time to clean it up. Make sure your yard is free of potential hazards and create a clutter-free walking path well before dusk falls this Halloween.
Are all your lights working? Make sure you offer a well-lit path.
Candles. Candlelit pumpkins should be placed on a sturdy table.
Turn it off. When you’re done for the night, make it obvious by turning any and all inviting lights off.
Decorations. Don’t go overboard with decorations, they can cause fires and injuries.
Safety tips for kids
· Never, ever go into a house
· Go with friends
· Costumes should be short enough to prevent children from tripping and falling
· Young children should always be accompanied by an adult or an older, responsible child
· Only go to homes with a porch light on
· Plan costumes that are bright and reflective
· Don’t eat homemade food
· Look at all wrapped candy, if it has been opened toss it out
· Use a flashlight