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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.

How 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.

Taking 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.

The 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!

While 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.

When Fathers Day is on the horizon, it’s only fitting to break out the charcoal and your favorite cuts of meat for a celebratory barbecue. However, before you usher forth the fire and brimstone, it’s important to consider a few home safety tips that are important not only on holidays but all year round.


First of all, it’s a good idea to consider the insurance coverage for your home and valuables. Even when you abide every safety precaution possible, accidents can happen. A fire can leave you homeless, devastated and at a loss of how to reboot your life. Proper homeowners insurance coverage can make sure that your assets can be replaced in dire situations.



With insurance coverage as a buffer, you’re almost ready to plan a Fathers Day celebration fit for a king. If you’re using a propane grill, you always want to make sure you check the valves for gas leaks prior to igniting the unit. An easy way to do this is by rubbing a bit of dish detergent and water onto the tank hose. When you turn on the gas, you’ll notice a leak because you’ll be able to see bubbles protruding from the hose. In the event of a leak, you’ll need to have your grill serviced by a professional immediately before use.


When using a charcoal grill or a grill pit with wood, make sure that any starter fluid you use is kept a safe distance from the grill, children, and pets. Always keep your grill away from chairs, railings, and low hanging branches. As long as you keep basic home safety tips in mind, your Fathers Day celebration should go off without a hitch. A homeowners insurance coverage policy can also make for an excellent Fathers Day gift, so consider thinking outside the box this year by giving your family a sense of security.

Boat Insurance is a Year Round Necessity

For many people, owning a boat is all about fun and freedom. Getting out onto the water represents a way for people to leave their cares behind and just relax. As some people say, “the worst day fishing beats the best day working.” Yet there are also responsibilities that go hand-in-hand with that cherished ticket to rest and relaxation.


One of those is making sure that nothing happens to your boat either on the water or back in its everyday storage spot. After all, most boats spend more time on the trailer than they do in the water. For this reason, making sure that you have adequate insurance coverage on your boat is almost as important as keeping a full set of life jackets on board.


Boat insurance allows the owner to rest easy knowing that they are protected from accidents at all times. While most people realize that they want marine insurance while the boat is in the water, they do not think about the many climatic challenges which can befall a boat that sits on dry land. Wind and water can take their toll just as much as sunken obstructions can.


Nor should it be forgotten that there are other boats out there on the water. Having a sufficient amount of boat insurance can mean the difference between a serious legal problem and a prompt settlement in the event of an accident or collision. Marine insurance for your boat is every bit as important as car insurance coverage is for your everyday vehicles.


Just as you wouldn’t leave your car uninsured until you needed to go to the grocery store, so too do you need to make sure that your boat has insurance coverage at all times. Accidents and weather events can happen any time, as can a unplanned day off that ends up out on the water. Make sure that you have the proper boat insurance and then enjoy the experience.

Most people enjoy spring time weather. However, hurricanes are more likely to occur after spring ends. Hurricane season starts in June and ends on November 30. Hurricanes can do a lot of damage and can be frightening to live through. Fortunately, there are things that you can do to stay safe during a hurricane. Below is a list of things that you can do in order to prepare for hurricane season:

Make Sure That You Have The Proper Insurance Coverage

You will need to review your insurance coverage before the hurricane season starts. Your homeowner’s coverage may be sufficient. However, you may also have to get hurricane insurance. Your homeowner’s insurance coverage will likely cover the wind and rain damages, but it may not cover flood damages. That is why you may have to get hurricane insurance. This form of insurance will cover any type of damage that the hurricane causes.

You may also want to review your commercial insurance policy and auto insurance policy. Your commercial insurance can cover damages that a hurricane causes to your building. It can also cover losses that occur if you are forced to temporarily shut down your business because of the weather. Auto insurance will cover damages that the hurricane does to your vehicle.

Take Inventory

Before the nice spring weather ends, you should take inventory of everything that is in your home or business. This will make it a lot easier for you to file an insurance claim.

Make An Emergency Kit

You should stock an emergency kit that has basic things that you will need to survive. First aid kit, change of clothing, essential medication, water bottles, non-perishable food items, batteries, flashlights, pillows, blankets, sleeping bags and personal hygiene items are some of the things you should put in an emergency kit.

Mother’s Day Gifts – One More Thing to Remember

With Mother’s Day almost upon us, chances are you’ve already found the perfect gift for that special mother in your life. And if that special gift is a piece of jewelry, have you thought about whether your current insurance coverage will be adequate enough to protect it?

With many homeowners insurance coverage policies, certain jewelry items require special riders, often called incidental insurance coverage riders, or jewelry insurance coverage.

This incidental insurance coverage lays out specific items of jewelry and their appraised value and offers insurance coverage for only those pieces named. Your insurance policy should state clearly whether you have jewelry insurance coverage.

If, after examining your policy, you notice that your homeowner’s insurance coverage does not cover specific jewelry items, you should talk with your insurance agent, and explain the jewelry items that you would like covered.

Recently purchased pieces, often only require you to provide the receipt of sale to establish the cost and coverage amount of the piece. However, if you are adding multiple pieces of jewelry to your coverage, your insurance agent may request that pieces purchased more than a few years ago be appraised by a jeweler to determine their current replacement value.

Although documenting and appraising jewelry to add to your homeowner’s insurance policy can be a little time-consuming, it is important if you wish to be adequately covered in case of theft or loss. Your standard homeowner’s policy will not usually cover the cost of all your jewelry items, or will cover jewelry only up to a certain amount, perhaps $1,500 to $2,000.

By taking the time to add any new Mother’s Day gifts to your insurance policy, you can ensure that the special woman in your life can continue to enjoy your gift, even if the unthinkable happens.

Before the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.


One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.


Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.


A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.


Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

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