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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 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.

Get A Grip!

June 4th, 2015 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

All tires are not created equally. Tires are divided into categories based on driving conditions. Touring class tires are suitable for driving on paved roads in mild weather conditions. Crossover tires are good for driving on dirt roads. The best tires for wet pavement have water channeling ability, and they are also DOT certified.

Avoiding car accidents in rainy weather

Many car accidents occur in inclement weather. Rainy weather can reduce visibility and increase the amount of time it takes for the vehicle to come to a complete stop. Since the car takes longer to come to a complete stop, the vehicle is more likely to be rear ended in rainy weather. Rainy weather driving requires drivers to pay attention to traffic and the pavement. To reduce the odds of losing control of the vehicle, you can make sure your car has tire treads suitable for wet weather driving. Tires with water channeling ability push water away from the tires. They also have narrow patches that reduce the odds of hydroplaning.

Lowering your auto insurance coverage rates

Some companies will consider your tire tread when determining prices for insurance coverage rates. Your insurance company might also offer you discounts on travel insurance if your tire tread is suitable for wet weather. Every driver wants a great deal on auto travel insurance, and drivers can help lower their rates by ensuring their vehicle is equipped for rainy weather driving. In addition to making sure your tires are suitable for wet weather, you should also try to get your vehicle to a covered shelter to avoid hail damage. Damage from hail storms can raise your auto insurance rates.

Spring is here. It’s time to get the cover off of your boat and get that boat back in the water. But before you do, make sure you have the right insurance coverage or your fun might spring a leak before it even gets started. Whether you need standard boat insurance or are in need of full marine insurance, getting your vessel covered year round allows for more hours of enjoyment and less hours figuring out if you can have your boat on the water.

If you are a recreational waterman, standard boat insurance typically covers any issues you may have when owning a watercraft. There are a variety to choose from with specific coverages depending on the type of boat you own: jet boat, sailboat, fishing boat, etc. Boat policies for insurance coverage are common in most insurance agencies and typically can be added to existing policies.

Maybe you’re a maritime entrepreneur and find yourself with cargo precious to both you and its owner. Marine insurance covers your ship, cargo, and terminals between birth and final destination. Travel with peace of mind knowing your ship, and everything on board, is covered with the annual marine insurance you were savvy enough to purchase. Marine insurance isn’t as common as boat insurance, so you may have to search somewhere other than where you have your car insurance to get your marine insurance policy.

Your boat is an investment, one you want to protect with the right insurance coverage. Whether you decide on more common boat insurance or get full marine insurance, having year round insurance coverage will keep your ship safe whether you’re docked for an extended stay or have set sail with no final destination.

Mother’s Day is yet again right around the corner this year, and families all over the world are scrambling to get their wife or mother that perfect gift that she will cherish forever. With some gifts, a little extra care in a way you may have not thought of just might be the gift your wife of Mom may thank you in the long run for. Insurance coverage for your potentially expensive gift could be a very valuable investment for a multitude of different reasons.

Perhaps you have finally saved enough money to buy your special woman that beautiful diamond ring she has always wanted, and after receiving it, she loves it so much that she wears it everyday, and brings it with her wherever she goes but it is not covered by an insurance plan. During a family outing, your wife or mother washes her hands in a restroom, and accidentally leaves her beloved gift on the edge of the restroom sink.

On the way home, realizing what she has done, she hurries back to the restroom to find that the gift she loved so much was not to be found. This is a situation where jewelry insurance coverage could mean the difference between temporary or permanent heartbreak. Different types of insurance provide a certain security for your possessions and provide you peace of mind, so do look into the different options.

People who want to protect the items in their homes purchase homeowners insurance coverage. Responsible drivers purchase incidental insurance coverage to protect themselves legally, and financially. So remember to keep in mind this Mother’s Day that when you are searching for that perfect gift, sometimes going the extra mile to make sure it stays safe and with her forever means the most to Mom this year.

One of the top worries on a business owner’s mind is insurance coverage for such claims as theft or damage to property. While these do occur on a regular basis, there are some more common claims that you should take into account as well:

Burglary and Theft By Employees

Theft by customer does occur, but theft by employee is much more prominant.

Commercial auto insurance does cover for this type of theft, as does homeowners insurance coverage if the theft happened at home. On average, the cost of employee theft is about $8,000 per occurance in the United States.

To prevent this type of thing from happening again, install security lighting, cameras and perform background checks on everyone before you hire them.

Water Damage

Water and freeze damage to pipes accounts for about 15 percent of claims filed by small business owners every year. Regardless of the type of business insurance you have, the costs you incur when fixing the damage should be covered by your policy.

Avoid this in the future by keeping the interior area of your store warm. Perform routine checks on your pipes during the coldest months of the year.

Fire Damage

Last year, fire damage accounted for more than 10 percent of all commercial insurance coverage claims. On average, each claim cost about $35,000 when insurance companies were done making payments.

In the future, test all fire alarms and systems, and always keep your nose open for gas leaks.

Slip and Fall Accidents

Slip and fall accidents accounted for about 10 percent of claims that were filed last year. This number is surprisingly low for many business owners who have experienced these types of lawsuits in the past.

Save your customers from falling by mopping up your store every hour or two. If you have a large store, be sure to check for areas that are prone to wet spots.

Business Auto Losses

Many businesses use vehicles as part of their daily business to serve clients. In some cases, small businesses have nothing but their vehicles to run their companies.

While not a major part of the type of business insurance coverage claims that were filed last year, adequate auto insurance coverage is always needed to help protect from unforeseen losses, especially if you operate in a major metropolitan area.

Types of Commercial Insurance for Small Businesses

The type of insurance a commercial client needs does depend on statistics for their type of business and location.

For example, a pizza parlor will likely need commercial insurance that includes fire protection, auto coverage if they do deliveries and some type of theft coverage. A company that specializes in tax preparation probably doesn’t have a need for fire protection or auto insurance coverage, but will need theft coverage and vandalism, if necessary. If the business is not located in a climate that experiences extreme cold conditions, insurance that includes protection from water and freezing pipes is likely unnecessary as well.

Each company should purchase a policy that is catered to his or her own business to save as much money as possible while ensuring they have enough protection for their assets.

Know Your Insurance Coverage

A common question many policy holders ask is, “Does my insurance coverage reimburse me for actual cash value or will it cover me for the replacement cost of damaged or stolen item?” There are significant differences between the two and it is a question you should have answered prior to signing on the dotted line of your policy.

Replacement Cost Coverage

Let’s say that your homeowners insurance coverage is a replacement cost policy. One day you come home to find the neighborhood kid who won’t stay off your lawn has just hit a baseball through your window and smashed that new LED television to dust. Your replacement cost policy will allow you to file a claim for a brand new television that is the same brand and of similar quality, so all in all, not a bad deal.

Actual Cash Value Policy

Let’s look at a different situation now. You have auto insurance coverage that will allow actual cash value claims on damaged or stolen property that is covered. So one day you are leaving work and see that a city bus took a turn too wide and totaled your 1995 Ford Taurus.
With your ACV policy the cost of depreciation will be factored into your reimbursement. The legal system also has different ways of interpreting “actual cash value” which could further affect your claim. In other words, you won’t be getting that 2015 Taurus thanks to a bad bus driver.
These types of coverage plans can apply to many types of coverage from renter’s insurance, homeowner’s, auto and even commercial insurance coverage. You may see lower premiums on a cash value policy but may end up losing out in the long run if you need to file a claim. It’s helpful to know the difference because being in the dark has the possibility of hitting you right in the pocketbook one day.

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.

Though it is important to have insurance coverage to protect against financial loss, it is not always easy to choose the right policy as there are a number of differences between policies that a consumer must consider. One of these differences is the amount of the deductible on the policy. The deductible is the amount of loss that a person must have before the insurance provides coverage. Whether a person is buying auto insurance, homeowner insurance or another type of insurance coverage in Melbourne, Florida, almost all policy types offer different deductible levels.

Many people choose insurance policies with a higher deductible as they are the least expensive. However, this is not always a good decision as many people do not have the cash savings needed to pay a high deductible in the event of a covered loss. For example, a person who has a car insurance policy with a $1000 deductible would to pay the first $1000 of any covered loss to the repair person out of pocket to have the car repaired. For a person who does not regularly have $1000 in his or her bank account, choosing an insurance policy with a lower deductible would be a wise choice.

To further complicate the decision, some complex types of coverage such as business insurance coverage and renters insurance coverage may have differing deductible amounts for the same policy depending on the type of insurance claim. As there are many factors for determining insurance deductibles beyond simply having cash on hand to pay the deductible, a person buying an insurance policy needs to make a careful decision concerning the deductible amount and other insurance factors. One of the best ways to make an informed decision is by meeting with an insurance agent and discussing all of the available options.

Many people are leery about insurance, but that’s often because they have inaccurate information about how insurance works. Here are five of the biggest misconceptions about insurance coverage.

It’s too expensive

Cost is relative, but considering what you get for what you pay for, insurance is fairly cheap. The Affordable Care Act has made health insurance affordable for most people, and other types of insurance, such as renters insurance coverage, have always been pretty reasonable.

It excludes more than it covers

Though just about all insurance policies have exclusions, or things they won’t cover, these are small in number compared to what they do cover. And insurers are required by law to spell out in their policies things they won’t cover.

I don’t need insurance

There’s an old saying that you don’t need insurance until you need it. You could be one of the lucky ones and go through life never once needing to use your auto insurance, homeowner insurance or business insurance policy. But everyone dies and has to go to the doctor at some point, so you will always have use for a life or health policy. Plus, certain types of insurance are mandated by law.

Insurance companies do everything they can not to pay claims

Insurance companies are businesses, and their goal is to make money. But they are required by law to pay legitimate claims. As long as you have followed the rules of your policy and your claim is for a covered event, your insurer will pay.

Insurance fraud doesn’t hurt anybody but the insurer

Though insurers make some of their money on investments, a big part of their business model is bringing in more in premiums than they pay out in claims. For every false claim they pay out, that means higher premiums for insurance customers.

Reflection Time

December 24th, 2014 | Posted by Brenda Snow in Homeowners Insurance - (0 Comments)

It is important to review your insurance coverage periodically in order to make sure it fits your needs. There are several reasons you may need to update your insurance. For example, if you have purchased new items for your home that are expensive, such as artwork or jewelry, then you may need to update your homeowner insurance. You may not have enough coverage to cover those expensive items.

You may also need to update your homeowner insurance coverage if you have added safety features to your home, such as a security system or smoke alarm. Many companies offer discounts to people who add safety features to their home. Keep in mind that safety features can also help you save money on your renters insurance coverage.

Remodeling your home is another reason you may need to have your insurance coverage updated. Home remodeling projects often increase the value of your home, which is why changes in insurance coverage are often necessary. Furthermore, it is time to check your home insurance coverage if you recently started a home-based business. Your home-based business may not be covered by your homeowners insurance. If your policy does cover home business, then you may have limited coverage. That is why you should ask your insurance provider about riders.

Riders are extra benefits that are added to an existing insurance policy. These benefits are provided at an additional cost. A rider can cover things such as your home office.

You not only want to look at your home or renters insurance coverage, but you also need to review your commercial insurance coverage. Adequate commercial insurance coverage helps protect your business against risks that could cause serious financial problems.

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