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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!

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.

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.

Under The Umbrella

April 28th, 2016 | Posted by Brenda Snow in Insurance Coverage - (0 Comments)

Umbrella insurance is an extension of basic liability insurance. An umbrella insurance policy can cover a wide range of assets. When you add an umbrella option to your homeowner’s insurance coverage, your assets will be protected. A regular insurance policy will have exclusions, and you will be responsible for the damages that are not covered by the insurance policy. If you do not have an umbrella policy, you will be responsible for the additional fees.

The Benefits of Umbrella Insurance

There are several different types of insurance coverage, and there are several benefits to having umbrella insurance. However, you must purchase the correct insurance policy. The policy could cover automobiles or homes. If you do not have the correct insurance coverage, you could lose any commercial property that is linked to your personal finances. You could also lose your retirement accounts. You should always make sure that you are purchasing the correct homeowners insurance coverage.

Understanding The Benefits of Umbrella Insurance

Before you purchase additional coverage, you should have a clear understanding of what is covered. You will need to know how much the policy will payout after an accident. You will also need to make sure that the policy covers inclement weather.

You should have a clear understanding of the conditions and terms. The policy may have constraints on certain situations. You should always purchase more coverage than you think you will need. You can find a policy that can protect all of your important assets. Furthermore, the insurance policy should give you peace of mind. When you purchase an umbrella policy, your important assets and retirement accounts will be protected after a financial disaster.

Business insurance is important, of course. But what business insurance claims are most common, and what types of business insurance should you have?

1. The most common business claim is theft and burglary. Over the past five years, these claims affected 20% of businesses. They were not the most expensive, though, averaging $8,000.00. Nevertheless, businesses should take security precautions, and also carry insurance coverage for these crimes.

2. The next most common claim is for water or frozen water damage. These affected 15% of businesses in a 5-year period, and the average cost is $17,000. It’s easy to turn down the furnace while away, and return to broken pipes and gushing water. Water damage liability insurance is a good idea for both commercial insurance coverage and homeowners insurance coverage.

3. Wind and hail damage is the third most common claim, also touching 15% of businesses, and costing around $26,000. You’ll want to be covered if you live in a storm-prone area. Also, remember your company vehicles can be damaged by hail. Be sure you have auto insurance coverage for this.

4. Claims for fire damage involved 10% of businesses in the past five years. They’re very costly, averaging $35,000.00. Fire is a particular hazard in industries where flammable materials are used, but fires can start anywhere. Fire insurance as a part of commercial insurance coverage is a must.

5. Customer slip and fall accidents are expensive at $20,000. They’re also fairly common, at 10% of businesses in the past 5 years. Restaurants and retail stores that serve the public especially need this insurance coverage.

Be sure to have all the types of business insurance you need, including auto insurance coverage. You want your business insurance coverage to be complete, just like your homeowners insurance coverage.

Actual cash value and replacement cost are two insurance coverage concepts that are not fully understood by the general public. Read on for information on how these terms relate to auto and commercial insurance coverage.

Actual Cash Value

Actual cash value (ACV) is the monetary value assigned to property or the process by which that value is obtained. It is also defined as depreciation subtracted from the replacement cost. ACV policies are preferable in insurance coverage cases of appreciation rather than depreciation.

Replacement Cost

Replacement cost considers the initial value of the property upon purchase. The omission of deprecation allows more money to compensate for lost electronics and cars, making replacement cost policies great for home and auto insurance coverage.

Which Policy Is Best?

With homeowners insurance coverage, a replacement cost policy is usually ideal. When you are looking to replace belongings that were lost years after purchase, the items will have depreciated, making them nearly impossible to truly replace. For example, a flat screen smart TV that you purchased for $1000 years ago may only be worth a few hundred dollars now. Imagine searching for a similar TV today with $500 or less to spend.

Replacement cost policies also work well for auto insurance coverage. If your agent needs to find a replacement cost for your Honda that was new when you purchased it, then he or she might check the prices of similar Honda models that are new now.

Some things, like sports memorabilia and fine art, get better with time. If you own rare items for which a replacement cost would be difficult to find, consider an ACV policy. You can even insure your irreplaceable items with a separate ACV commercial insurance coverage floater that supplements your replacement cost homeowners insurance coverage.

Spring Has Sprung!

March 17th, 2016 | Posted by Brenda Snow in Uncategorized - (0 Comments)

The spring time weather conditions are usually warm enough for performing inspections and for completing home repairs, which will help to prevent more damage. The roof, downspouts, gutters, windows and doors should be inspected. The heating and air conditioning systems should be checked for damage and for blocked vents. The spring season is also a good time for reviewing the information about homeowners insurance coverage.


Shingles and roofs can be damaged by snowstorms. Water could be trapped under a layer of ice and then forced into tiny crevices. The spring time weather conditions will promote the growth of mold and mildew while also increasing the likelihood for more water damage. Gutters and downspouts may be full of debris. The spring rainstorms will increase the severity of any problems. The terms for the homeowners insurance coverage should adequately cover the costs for most major repairs.

Heating and Air Conditioning Systems

A warm spring day will provide excellent weather conditions for turning off the furnace and for inspecting for problems from corrosion or debris. The vents, air ducts, connections and air conditioning unit should also be inspected for damage. Homeowners should have adequate insurance coverage for damage to an air conditioning system. The insulation that is around windows and doors can slowly deteriorate, which will increase the rate of heat transfer.


There could be permanent water puddles on driveways or on lawns, which are caused by a broken water pipe cialis site officiel. The coatings on walkways and on driveways may have been affected by snow and ice. Any cracks should be repaired, which will help to control future problems. Extensive damage can be protected by an insurance policy. A home is an investment that will require regular maintenance procedures. Homeowners should have insurance coverage for controlling the future costs for serious problems.

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