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Burglars 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.

2 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!

Homeowners 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.

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.

Verify 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.

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.

How Does Living Near the Ocean Affect Your Car?

There are a lot of advantages to living near the ocean: plenty of sunshine and warm weather, water sports, beautiful views, and glorious sunsets. Coastal living isn’t without its drawbacks, though. The salt and humidity found near the shore can cause a lot of damage to vehicles. Below you’ll find some of the effects of the ocean on a car and ways to protect your car from damage from living close to the ocean. Protecting your car from such damage is as important as maintaining your automobile insurance.

Rust

When your car is subjected to the salt spray and heavy dew of the ocean, it is likely to rust more quickly than it would otherwise. Water and the open air is all it takes for rust to form, and there is plenty of both near the beach. If you properly maintain your vehicle, especially the surface areas, you should have no problem keeping rust away.

Internal Damage

The inner workings of your vehicle are also subject to the effects of the ocean on a car. Salt will sit on an engine, especially if it is run infrequently. Camshafts, cylinders, brake calipers, nuts, and bolts can all begin to oxidize if not properly cared for. Special care should be taken during winter when extra dew is in the air.

Paint Loss

Paint damage can be caused by salty air and prolonged sun exposure. In areas where it is sunny year-round, the heat opens the pores of the paint which then allows more moisture in. When that moisture is full of salt, a paint finish may quickly lose its shine.

Ways to Protect Your Car from Damage from Living Close to the Ocean

A few common sense measures will help protect your vehicle. Protect your investment in your vehicle and insurance coverage. Never drive over sand; There is little more corrosive to your undercarriage than sand as doing so exposes it to corrosion.

 If possible, park in a garage. Any coverage is better than none, especially during the winter months. Wash and wax your vehicle regularly. Vehicles operated near the ocean will benefit from frequent internal inspections, as well.

To keep your car and yourself protected, keep your insurance coverage up to date. Call your local automobile insurance office for more information.

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.

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