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Moving to a new home can be an exciting time for a family. It can also be stressful and hectic if things are not planned out and some simple thing are kept in mind. There are a few tips for moving to a new home that will make the transition smooth and enjoyable.

The first consideration would be moving costs and the family budget. This can vary greatly depending on the circumstances. Variables would include the distance of the move, any company compensation, and the extent which moving companies are used.

A moving budget should be set up in the early stages of the transition. If the move is for a new job or a relocation, check to see if some if not all of the costs can be payed for by the employer.

The use of a moving company is a large expense, but is often quite necessary depending on the amount of household items to be moved and the timeline for the family. It may be appealing to save some money and do all of the moving with friends and family, but consider the time and physical effort involved in this undertaking. There are many levels of service when it comes to the use of a moving company.

Finally, insurance coverage needs to be clarified with any move. Some existing homeowners insurance policies will protect a family during the transition into the new home. Some policies may have gaps in this area. Be sure to clarify what the exact coverage is during this time of transition and make certain there are no gaps.

With some basic planning and a moving budget, a transition to the new home can be a smooth and a joyful time. The work prior to such a move will prove to be very beneficial.

Fire pits 101

Backyard fire pits are one of the top design features in backyards, and for good reason. A fire pit is an inexpensive and attractive way to extend the use of your yard into the colder fall and winter months. If you’ve decided that a fire pit is right for you, here are a few things you need to know first.

INSURANCE COVERAGE

 

In areas of the country that are prone to wild fire, your policy may require you to disclose your fire pit to your insurance agent, so your first step should be to contact your personal agent and ask how a pit affects your homeowners insurance coverage.

 

TYPES OF FIRE PITS

 

Next, you need to find the right pit for you. Wood burning pits can be either built-in or portable, and are the most common. The main drawback is that wood burning pits are fairly high maintenance. You need a steady supply of wood and a place to store the wood to keep it dry.

Propane fire pits are generally easy to maintain, but they will need a constant supply of propane, and are usually larger than wood burning pits, requiring more space. Similarly, natural gas pits require a gas line to be run, and are permanently installed in one location.

 

FIRE PIT SAFETY

 

Finally, make sure to your pit is in a safe location. A fire pit should be located at least 10 feet away from fences, buildings, and trees. Place the pit on gravel or stone slabs, that extend at least 2 feet beyond the perimeter of the fire, with debris such as twigs and leaves cleared an additional 5 feet. Also, be certain to not place the pit under low-hanging branches or a covered deck.

 

Properly used, fire pits are an excellent addition to any backyard.

To a loving family, heirlooms that have been handed down from generation to generation are priceless. They are reminders of days and people long gone, the trigger of many fond memories. These items were lovingly passed down from grandparents and great grandparents- not only because of their utility, but because of their value. Many families around the country have thousands of dollars worth of inherited heirlooms in their home but have no idea of their market value. While knowing the value of the items could never mean more than their emotional significance, insurance appraisals of heirloom items can help homeowners to be aware of their worth in case they ever need to make an insurance claim.

It is painful to think about ever losing any part of a home, especially priceless artifacts that are irreplaceable and hold many fond memories. However, homeowners insurance coverage exists because accidents happen. It is important for homeowners to know the value of their possessions and choose insurance coverage that meets their needs. Having an insurance appraiser take a look at family valuables that have been passed down through the years can make sure that a homeowner makes the right choice when it comes to their home insurance generic cialis jelly.

If you’re wondering if you may have valuables that should be appraised, here are some items that should be considered:

  • China serving sets and decorative dishes
  • Crystal glasses and service ware
  • Sturdy handmade antique furniture
  • Jewelry, both costume and precious metal
  • Furs or other vintage fashion items that were considered high end at their date of manufacturing

These items all have the potential to be worth more money than a homeowner might otherwise estimate when making an insurance claim. Getting heirlooms appraised is a preventative measure that every homeowner should take.

Protect Documents from Floods and Fires

There are great reasons to store your important papers in home safety boxes that provide protection from hot flames and water. Replacing many documents is nearly impossible with new regulations in place to protect your identity. A total loss of identification can lead to a major expense in addition to requiring several weeks to resolve. A disaster can occur in your home at anytime, making it impossible to retrieve important documentation quickly. There are two categories of home safety boxes:

• Metal containers – made of fireproof material
• Plastic containers – made to float

The type of container you use may depend on the risks in your geographic region, and in some cases, having multiple home safety boxes is a good plan.

Types of Important Documentation

Unless you have lost important documentation before, you have no idea about the ramifications. In order to replace one lost document, you may need three to five other documents. Losing every piece of important documentation is a nightmare because you must try to get replacements such as:

• Driver’s license for each driver
• Birth certificate for you and each family member
• Homeowners insurance coverage papers to seek fast reimbursements
• Vehicle title to prove ownership
• Passport to prove identity while traveling
• Marriage certificate to seek government benefits
• Medical insurance coverage documents for hospitals or physicians
• Social Security card to prove identity

Use Home Safety Boxes

You might think that insurance agents or government agencies make it easy to obtain new important documentation, but replacements are extremely difficult to get without any information. In many cases, you will need to hire an attorney to get replacement copies of identifying information from government agencies. To make your life easier when a disaster occurs, prepare by having important documentation stored in high-quality home safety boxes.

There are many first time home owner tips that can be give out, but one tip that often gets forgotten is that obtaining homeowners insurance is the absolute first thing you should do. Yes, you are excited and looking forward to moving into your first home and really settling in, but try to be smart about your move and transition. You should avoid investing in furniture, home improvement, or anything else in relation to your new home until you have made sure that you have insurance coverage for your new home. Accidents can happen at anytime and so can theft, you never think of potential dangers until after an accident, be conscientious of the risk and make sure you have homeowners insurance cover before an incident occurs.

The last thing you want to risk is working on your new home and filling it with all your possessions and new furniture only to lose it all in a fire, or theft. Many homeowners’ insurance plans will have loss-prevention or personal property coverage to help you recover from any loss of possessions and stay financially stable even after any accidents. When buying homeowners insurance ensure that you have a plan that provides the maximum amount of coverage; something that many individuals fail to realize is that most insurance policies will not include flood or earthquake coverage. However, additional levels of coverage can often be added on to aid in any events that would otherwise go unprotected, by investing in the highest level of coverage you will be well equipped to deal with any calamities that may occur to your new home. After you have secured homeowners insurance and are under complete coverage you can move forward into your new home with a confidence and security that would have otherwise been lacking.

Fourth of July is right around the corner, and with it, families and friends across America are planning barbecues, backyard parties, and fireworks events. It is a day to celebrate freedom and family in summertime fashion. Whatever you do on this Independence Day, just be sure you celebrate safely. Here are some things to keep in mind this July Fourth.

Whether permitting, families and friends will most likely be gathering around the grill, playing organized games, and hanging around outside. Be sure to keep the suntan lotion close at hand to protect your skin from those dangerous and strong July UV rays. It is suggested that you apply suntan lotion up to fifteen minutes before exposure to the sun, in order to allow it to sink into your skin. Then, reapply it every hour, or if you are jumping in and out of the pool. No one wants to look like a lobster on July fifth.

Wherever there is a backyard party and a group of adults, there is bound to be some alcohol involved. Remember to enjoy responsibly and keep alcohol out of reach of children and minors. Even when drinking at your own house, you are liable for underage drinkers. If you plan on drinking into the night, make sure to name a designated driver or arrange for a safe place to stay for the night while you sober up.

Finally, fireworks are the focal point of any Fourth of July celebration. If you plan on setting off your own display, or even using smaller sparklers, follow all safety precautions concerning timing and permitting safe distance when setting off fireworks. As a precaution, it is a good idea to keep a few buckets of water close by in case of fire. Stay away from Large reloadable mortar shells, Cherry bombs, Ariel bombs, M-80 salutes and other abnormally large firecrackers, which are illegal.

Happy Fourth of July! Have fun, and be safe.

According to the Center for Disease Control and Prevention, approximately 4,000 individuals die from drowning each year. Statistics have shown that drowning is among one of the top three causes of death for people under 29 years old.

With the aforementioned statements, it is no wonder your homeowner’s insurance may sky-rocket after home pool installation. It is important to discuss your options with your insurance agent to see what homeowner’s insurance coverage will suit you best. As a general rule of thumb, most agencies will urge you to increase your liability coverage. Additionally, insurance agents may impose conditions that must be met in order to maintain essential coverage.

Before you drain the water and board up the pool, keep in mind there are many home safety tips that can greatly decrease the risk of having a pool mishap. Installing these safety features may also decrease your insurance premiums. Some of these items include:

  • A 4-ft high fence/wall surrounding the perimeter of the pool with self-closing/self-latching gates
  • Pool alarms that will alert when unattended individuals are near the pool
  • Compliant pool and drain covers
  • Lifesaving equipment (life-rings, reaching poles, life-jackets etc.)

In addition to equipment, age-appropriate swimming lessons and first-aid training will provide members of your family the knowledge to assure swimming pool safety standards are met.

Let’s say an unattended neighborhood child wanders into your backyard. He/she falls into the pool and drowns. Now you’re facing a major lawsuit from the child’s parents. While you may think this situation would never happen to you, it is just one of the many examples of lawsuits that are possible for pool owners. Having essential safety equipment, training, and insurance coverage will aid in safeguarding you and your loved ones from pool mishaps.

There are a few home safety tips that should be observed during a traditional barbeque party on Father’s Day. A barbeque grill enables families to quietly relax on a patio while grilling steaks but is also a fire hazard that should be used with precautions. Accidents may be unavoidable, which requires that the homeowner’s insurance coverage must include adequate protection. Fire safety is important for protecting lives and personal property.

Propane Gas

Propane gas tanks are not toys and should be kept inside a locked cabinet or garage. Children or strangers could inadvertently cause a problem if a gas grill is stored on a patio or deck instead of being safely secured in an area that is not easily accessible. A gas grill should be handled with precautions in the same manner that a swimming pool is used with safety precautions to prevent the loss of life.

Charcoal

Charcoal is also a source of serious fire hazards because the charcoal will prolong the burning time for a fire that would have otherwise been extinguished after a newspaper or letter had been burned away. If a fire has no other contact with a flammable material, then a fire should slowly burn down to glowing embers. Flammable materials include wood, cloth, paper, gasoline, grease and acetone. Charcoal should be safely secured inside a locked cabinet.

Fire Extinguishers

Fire extinguishers are important tools for family safety. The fire extinguishers should be rated for controlling the appropriate kind of fire such as for wood, flammable liquids or electrical fires. Family members should also be trained with techniques for fire safety. Insurance coverage can be used to cover any costs that have been caused by unavoidable mishaps. A Father’s Day celebration should be a joyful event that is not marred by house fires or injuries.

When you own a house, you want to protect it with homeowners insurance coverage and in other ways, whether you are home or away on vacation. We will focus on how to keep your house safe while you are on vacation in the following information. You may or may not think of these home safety tips on your own, so read them, and learn which ones will help you.

In this day of digital communication through such websites as Twitter and Facebook, it is convenient to tell all your friends and acquaintances of your whereabouts with just one message. However, this is not a wise idea when you are off on vacation, as others could discover you are away and burglarize your home. It has happened to homeowners! Wait and tell all your friends and other people about your trip until you return home.

Fill out a form at the post office and temporarily stop mail delivery during the period of the vacation. When you let your mail accumulate in the mailbox, this signals to others that you are not at home. In addition, stop newspaper delivery for the same reason if necessary. If you have a neighbor you trust, you also could arrange for him or her to watch over your house, and pick up the mail and newspapers instead of stopping their delivery.

Use timers to turn on and off your exterior and interior lights while you are away on your trip. You will appear to be at home this way, as the lights will automatically turn on at dusk or dark, and turn off in the morning.

Leave a radio playing, so there is a bit of noise in the house if a person comes to the door.

Follow these four tips to protect your home while you are away on a trip. You will discover how they help protect your belongings and house along with whatever insurance coverage you pay for each year.

Hurricane season, which generally lasts June 1-November 30 in the United States, can be of great concern for business owners or homeowners who live in areas prone to these forces of nature, such as residents of the east and gulf coasts. With the 2015 season right around the corner, spring time weather can turn deadly very quickly. Therefore, it’s imperative people in these areas make sure various types of insurance coverage, such as homeowners insurance coverage and auto insurance, are updated to cover any losses they may incur.

For homeowners, there are steps they can take to help limit potential damage to their homes. Permanent storm shutters can be installed to keep windows from breaking, while straps or clips can be used to secure the roof to the frame’s structure in the event high winds arrive. It’s also a good idea to make sure all garage doors are reinforced, since failure to do so can result in catastrophic structural damage to a home if wind enters in this manner.

Business owners can also take steps to ensure they come through the situation with as little damage as possible. Commercial insurance policies should be updated to make sure the coverage is adequate, since many businesses start out with modest coverage amounts and then need additional coverage as the business grows. To limit damage to the building and surrounding area, any trees or bushes planted around the exterior should be trimmed back to make them as wind resistant as possible. Important documents should be put in a fireproof box and moved to a safe location, as should any equipment that can be transported.

Whether a homeowner or business owner, hurricane insurance should be an essential part of any insurance package for people living in the pathways of these destructive forces of nature.

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