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burglarBurglars can enter your home through a window or door of your house. Another common way they can steal is through your home detached garage. It’s wise to have homeowners insurance coverage. Here are tips for detached garage security even if you have insurance coverage.

 

Cover windows. Put privacy film over the windows of the garage so thieves can’t see what you have.

 

Secure the windows with bars. Buy security bars at a hardware and home improvement stores. You can make your own using 1/2-inch threaded steel pipe. You’ll also need two tees, two 3/8-inch washers and two 3-1/2-inch by 3/8-inch lag screws for each bar placed 6 to 8 inches apart.

 

Keep your transmitter on a keychain. If you have an automatic garage door opener, get a transmitter for your keychain. This is safer than keeping a larger one in your car.

 

Put a strong lock strong on the service door. Reinforce door jambs with metal plates. Make sure your door has a deadbolt lock. The lock should be ANSI Grade 2 or above. Use 3-inch-long screws on door hinges for maximum security.

 

Prevent entry via the emergency release. Stop burglars from using a wire hanger to hook onto the manual door release to open your garage door. Attach a piece of wood that is 1 inch thick and 4 inches wide to the top of the door from inside the garage. A piece of wood that is 8 feet long is sufficient for most doors. Use screws to secure the wood over the gap that thieves search for.

 

Even with the best detached garage security, sometimes thieves win. Make sure you have insurance coverage for your home detached garage. Contact your agent to discuss your homeowner insurance coverage.

tornado2 Tips to Keep Your Family Safe From Late Summer Hurricanes

In the heart of hurricane season, it should not be surprising to hear that your home and your family will experience severe weather events in the coming months. However, if you use these quick storm and hurricane safety tips, you can save your family and your home from the next Sandy.

 

Have a Storm Plan

Remember conducting routine fire drills in school? Some people find them unnecessary or boring, but they are mandatory for a reason! When reviewing home safety tips with your family, make sure you include a storm plan that the family can execute in about fifteen minutes. Having a stock of canned goods, bottled water, and battery-powered light sources is good, but always plan for the possibility of evacuation. Know the storm shelters in your area, and plan alternate routes to safety centers. The best severe weather advice calls for planning ahead: Remember, if you fail to plan, you plan to fail.

Check Your Homeowners Insurance Coverage

When is the last time you looked at your insurance coverage? You might be surprised how much storm damage your insurance fails to cover. In fact, almost all homeowners insurance coverage does not cover hurricane or flood damage. Check your insurance coverage and consider if your home needs insurance against flood or hurricanes damage. Better yet, take full advantage of free maps and flood risk tools provided by the U.S. Government. The loss of a home to hurricanes and flooding can be heartbreaking, but well-planned insurance policies can provide you and your family peace of mind and support in a disaster scenario.

With a little bit of effort, these storms and hurricane safety tips will keep your home and your family safe in the near future. Do you have any severe weather advice that we missed? Feel free to comment with your own home safety tips and experiences!

fire pit safety, homeowners insurance coverage, insurance coverage, types of fire pits, backyard fire pitsHomeowners Insurance Coverage Provides Financial Protection

If you are excited about owning the most trending outdoor decor for your home, then buy a backyard fire pit. It is possible to find a fire pit in most gardening stores, but you should understand more about the different types of fire pits before making a purchase and adding it to your insurance coverage policy. In addition, it is important to understand the fire pit safety regulations in your city.

Four Types of Fire Pits Are Available

One: Natural Gas

With a natural gas fire pit, you never need to buy fuel at a store or carry it to the item before lighting it. However, you must install a natural gas line to the device.

Two: Gel Fuel

By using a gel fuel fire pit, you can move the item from one location to another for different occasions or uses. A drawback is that finding gel fuel in most local stores is difficult.

Three: Wood Fuel

Having a backyard fire pit that burns wood is similar to having a campfire, but there are more dangers from sparks unless you make sure to follow all of the fire pit safety rules.

Four: Propane

Propane fire pits are popular because the fuel is easy to find, and if you buy the right model, then you can roll it around on its wheels. With propane heat, you can use a fire pit in the autumn and winter to remain warm while outside.

Homeowners Insurance Coverage is Essential When You Have a Fire Pit

Contact your agent to add more insurance coverage to your policy to protect you from the financial ramifications of a dangerous fire or personal injury. To help avoid dangerous situations, your agent can also provide a written list of fire pit safety guidelines.

burglarHow to Keep Your Home Safe While You Are On Vacation

You’ve been looking forward to an exciting vacation. But how can you make sure your home stays safe while you’re away? Here are five home safety tips.

Lock up tight

It seems obvious but you should double-check your doors and windows before you head out of town. A single open window could serve as an invitation to disaster. If you have an alarm system, arm it.

Prevent disaster inside

Burglars aren’t the only threat to your home. A burst pipe or water leak could cause substantial property damage, forcing you to make a costly claim on your homeowner’s insurance coverage. Consider turning off your water while you’re away. (Make sure you test the main shutoff a few days before you leave in case you find a problem with the valve.)

Let the right people know you’ll be gone

It’s a good idea to have the post office hold your mail while you’re out of town, especially if your mailbox doesn’t lock. If you have a newspaper delivered, you can ask for delivery to be stopped while you’re gone. Also, consider alerting the local police department. They may schedule vacation checks for your house. Ask a friend or neighbor to pick up any packages. A trusted friend can also do a quick check of your house while you’re away.

Be tricky

Most thieves don’t want to risk entering an occupied home. Try leaving a radio on while you’re gone. Light timers can also trick thieves into thinking that someone’s at home.

Check your insurance coverage

Homeowners insurance coverage helps cover losses from theft and property damage to your home. By following these home safety tips and ensuring you have sufficient insurance coverage, you can know your home is protected even when you’re away.

car passengerFour Tips to Prevent Teen Driver Distractions

New auto accident statistics reveal that when passengers distract a driver, a collision is more likely to occur. Not only do you want to prevent an accident from happening while you are a passenger, but also, you don’t want a driver’s auto insurance coverage rates to increase. Here are a few tips to prevent teen driver distractions.

One: Avoid Too Much Talking

To prevent an accident, auto insurance companies suggest that passengers avoid talking too much to a driver. When a passenger is talking, it is difficult to hear an oncoming vehicle’s horn, and some drivers try to look at the person who is talking rather than watching the road.

Two: Don’t Share Foods and Beverages

Resist the urge to hand a driver a bottle of water or a sandwich while they are driving. A driver who is reaching for something cannot keep both of their hands on the steering wheel, making it impossible to swerve away from a vehicle that crosses over from its lane.

Three: Keep Cellphones Turned Off

Having a cell phone while in a vehicle is an excellent way to call someone in an emergency, but do not talk on the device. According to auto accident statistics, cellphone use by passengers is a leading cause of teen driver distractions.

Four: Sit Still While Inside a Vehicle

After choosing a seat in a vehicle, fasten the seat belt and remain in place. Avoid switching seats with other passengers or climbing from the back of a vehicle to the front while it is in motion.

Maintain Affordable Auto Insurance Coverage

If an auto insurance company determines that passengers were acting inappropriately while inside a vehicle during an accident, then the agents can refuse to pay for any damages.

pool safetyTaking a dip in the pool is a great way to cool off on a hot summer day. The pool is also an ideal place to relax and socialize with friends and family. Unfortunately, pools can also create a big safety hazard, and it’s important to take the right precautions for swimming pool safety, especially if you have young children. Here are a few home safety tips for your pool:

 

Your pool should have a fence or a barrier as well as a cover. The barrier should be at least four feet high and should completely surround the pool. Whenever your pool is not in use, keep it covered with a safety cover.

 

Keeping the deck or area around the pool clear of any clutter is essential for swimming pool safety. It’s easy to trip and fall on a wet and slippery surface. Make sure the water is always properly filtered and has the right chemical levels. Test the chlorine and pH levels at least once a week.

 

If you have young children, never leave them alone when they’re in or near the pool. They should always have adult supervision. If there are multiple adults around the pool, designate one person who has a solid knowledge of home safety tips to always keep an eye on the kids.

 

Homeowners insurance coverage is essential for pool safety. Most home insurance covers both property damage and liability, so if someone does get hurt in your pool, you’ll have the right insurance coverage. Even if someone got hurt while using your pool without your knowledge, you may be held responsible. Homeowners insurance coverage will prevent you from having to pay thousands of dollars in medical or legal bills if someone gets injured. Hopefully, no one will receive an injury at all, but if they do, the right insurance coverage will be beneficial.

summer travelVerify That There is Adequate Insurance Coverage on Your Vehicle

In addition to having auto insurance coverage before going on a road trip, make sure to prepare your vehicle to ensure that it can withstand hot summertime temperatures. If you enjoy do-it-yourself maintenance, then begin the process of working on a vehicle at least two weeks before traveling. By beginning repairs as soon as possible, you can avoid delays because you need a replacement part.

Top Tips for Preparing a Vehicle for Summer Travel

A basic vehicle tune-up is essential before a vacation, and this includes checking these items:

• Oil – check the vehicle’s oil by using the dipstick before adding more oil
• Coolant – verify that there is enough coolant in the vehicle’s radiator
• Belts – do the belts look worn, stretched or degraded?
• Air filter – replace the vehicle’s air filter before leaving
• Tires – add air to deflated tires to reduce gas consumption
• Wiper blades – replace torn or frayed wiper blades
• Lights – make sure the lights are working correctly

Contact Your Auto Insurance Coverage Agent for Information

It is a good idea to call your vehicle insurance coverage agent to determine if your policy is appropriate for traveling to other states or outside of the United States. You might need to purchase additional travel insurance to protect you financially if you are driving across the border into Canada or Mexico. When traveling anywhere, always carry your auto travel insurance cards with you to show to authorities when an accident occurs.

What Are the Benefits of Having Travel Insurance?

You might wonder what the benefits are from having auto travel insurance. An automobile insurance agent can explain this short-term policy to you, and it might include providing financial coverage for any vehicles that you rent while traveling in the summer.

fireworks-812879_640The Fourth of July is almost here. However, before you get excited about celebrating American’s independence with fireworks and barbecues, remember that safety doesn’t take a holiday! Here are several home safety tips you can use to remain safe on July 4th.

Check Your Coverage

If you intend on having a large group of people over to you home for the holiday, check your homeowner’s insurance coverage. You could be considered responsible for any accident that happens during your party. You also should check your homeowner’s insurance coverage to know exactly what you are allowed to do on your property for a party. For example, fireworks may not be allowed!

Watch the Fires

Most Fourth of July celebrations involve fire. For example, people set off fireworks, grill food, indulge in a cigar, or build a bonfire. Fire is one thing that makes the holiday so memorable and so much fun. However, use common sense safety with all of these activities. Your insurance coverage may be useless if you are negligent in these areas during the holiday.

Reserve that Driver

If you plan on attending someone’s party for the holiday, make sure you make plans to get home safely before you arrive. Don’t start looking for a designated driver after you’ve had too much to drink.

Remember Stranger Danger

If you are at a large party away from home, remember that not everyone there is your friend. Keep your wallet and purse near you at all times. Also, resist the temptation to go to a place alone with someone you just met after drinking at the party. This is how bad things can happen!

Remember, sometimes the best insurance coverage is to simply stay smart. Use the above home safety tips to keep your Fourth of July activities safe and awesome!

Penny Mandy babyPet Insurance Can Save You Money

You would not allow you or your family to go without health insurance, so why would you let your pet go without pet insurance? Pet insurance does not just save money on sudden injuries are illness; it will also help with routine pet health care maintenance as well. Don’t have dogs? Don’t worry because there are also pet health insurance companies that offer plans for cats and other types of pets as well.

 

Many pet plans will provide major benefits if the worst happens: an accident or injury. Veterinary care in the aftermath of a car accident, accidental swallowing of a dangerous object, or an injury can be incredibly expensive. This unexpectedly high cost can really put families in a tough spot. With pet insurance, however, there is a usually a low, affordable deductible and then the insurance will pay for the rest of the cost.

 

Besides the peace of mind in knowing that you are able to take care of your pets should there be an unexpected accident, pet health insurance can also be helpful with routine veterinary visits.  These plans will often pay a large portion of routine costs such as dental cleaning, wellness exams, heartworm tests, vaccines, and urine tests. Some plans even offer flea prevention and nail clipping as well. These routine benefits save pet owners money on a regular basis.

 

Besides the accident and routine benefits of pet health insurance, some companies will also offer coverage for illnesses and hereditary diseases. If you are planning on getting a purebred pet of a breed that is prone to certain illnesses then getting protection from hereditary diseases may be a good idea.Pets are also susceptible to diseases like cancer or diabetes, and there are plans to protect against these illnesses as well. Protect your pet like you protect your family with pet health insurance.

 

homeowners insuranceWhile the majority of people understand the importance of home insurance, very few understand that their home insurance may not prove beneficial if their home is vacant. Your home could be vandalized, burned down, or damaged in a storm and your home may not be covered by your current home owner’s policy. For this reason, if your home is vacant at any time, it is essential to learn about vacant home insurance and how it can benefit you.

 

Coverage for Vandalism

If your home is vacant, it is at risk of being vandalized. This if often true for homes that are for sale, are in between renters, or those that are simply vacation properties. The fact that they are empty makes them an easy target. In most of these cases, your home insurance policy will not cover damage caused by a vandal because there is no one living in the home.

 

Coverage for Renovation Period

Chances are likely that if your home is going under major renovations, you are moving out while they take place. This can put your home at risk, though. Whether a vandal breaks in or there is a fire, the damage may not be covered by regular home owner’s insurance. You will need to get a separate policy to cover your vacant home.

 

Rental Property Coverage

Unfortunately, if you own a rental home, the chances are high that it will be vacant at times. After all, it can take some time to find a good tenant. If something were to happen, such as a fire, during this period of vacancy, you may find that your regular coverage is not good enough. Vacant home insurance will cover your rental properties and, when you fill the vacancy, you can easily switch the coverage to a landlord policy.

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