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Protect Your Car from the Sun

July 10th, 2018 | No Comments | Posted in inSIGHTS, Insurance Discount Strategies

If you don’t take the proper precautions, the sun can severely damage key components of your vehicle. In fact, it’s not uncommon for the exterior of cars to reach 194? F when exposed to direct sunlight in the summer. This amount of heat can not only wreak havoc on your car’s finish, but its interior as well.

To protect your vehicle, keep in mind the following tips:

  • Park in the shade. This is the best way to avoid direct sunlight, which will keep your interior and exterior from drying and cracking.
     
  • Use a windshield sun protector. These affordable products keep the inside of your car cool and help prevent sun damage.
     
  • Install seat covers. Seat covers are a great way to protect leather and fabric seats. Better still, these covers can help keep your seats cool.
     
  • Wash and dry your exterior often. Sun and heat can fade and crack the paint of your car. Frequent washing and hand drying helps remove dirt and dust particles that can cause issues to a vehicle’s finish.
     
  • Wax your car. Waxing your car adds an extra layer of protection from ultraviolet rays. How often a car needs a wax job varies, but it is best to do it on a regular basis.
     
  • Check your tire pressure. Hot pavement and underinflated tires can easily lead to blowouts, which can be expensive to fix. Even good tires can lose about one pound of air pressure a month, so it’s important to check them often. Be sure to follow your vehicle manufacturer’s recommended tire pressure.

Home Matters: Lightning Safety

June 1st, 2018 | No Comments | Posted in Insurance Discount Strategies

Quiet Vehicles and Pedestrian Safety

June 1st, 2018 | No Comments | Posted in Insurance Discount Strategies

Swimming Pool Safety

May 3rd, 2018 | No Comments | Posted in Insurance Discount Strategies

Swimming Pool Safety & Liability Precautions

Did You Know?

Fun in the sun is even better when you have a swimming pool in your backyard to stay cool on hot, summer days. Despite all the entertainment that a swimming pool offers, there are also homeowner liabilities. To help you minimize your risk, we’ve gathered some safety tips to keep you in the know as you swim.

To Minimize Drowning Risks:

  • Install safety fences around the pool with a locked latch and place a cover over the pool when you are not using it.
     
  • Always supervise welcome swimmers at all times.
     
  • Keep lifesaving equipment near the pool and learn how to properly use it.
     
  • Do not allow swimmers to horseplay in the pool.

To Minimize Disease Risks:

  • Keep the pool water properly filtered and chemically treated.
     
  • Do not allow swimmers to drink pool water.
     
  • Keep pets out of the pool.
     
  • Do not allow swimmers with open wounds or illnesses to go in the water.
     
  • Do not allow babies to swim unless they are wearing swim diapers.

To Minimize Chemical Risks:

  • Avoid over-shocking the pool; keep chemicals at the proper levels.
     
  • Follow manufacturer’s instructions carefully when adding chemicals to the pool or filtration system.
     
  • Store chemicals in a cool, dry place where they are away from fire hazards and lawn care products.

Safety First

As the homeowner, you are liable for the safety of all swimmers. To ensure that you can adequately protect people on your property, consider taking lifeguarding, CPR and first aid courses so you know what to do in an emergency.

Lock Up Your Car Safely

May 3rd, 2018 | No Comments | Posted in Insurance Discount Strategies

The Importance of Locking Up

Locking your car is easy, right? Well, it’s more complicated than you might think, especially if you are the target of thieves. Read on to learn more.

Picture the following scenario:

You pull in to the grocery store to pick up a bottle of milk and some hamburger buns for tonight’s family meal. You are only in the store for five minutes and come out to your car to find your valuables have been stolen from your vehicle. You locked your doors, yet there is no sign of a break-in.

What happened?

When leaving your car and locking it with the key fob on your key chain, thieves sitting in the parking lot can actually use a device that clones your vehicle’s security code emitted by the fob. Then, they can use that device to easily unlock your vehicle and sail away with your belongings without leaving a mark behind.

To combat this theft danger, ALWAYS LOCK YOUR CAR FROM THE INSIDE WITH THE LOCK ON YOUR CAR DOOR. When pushing the lock button on your door, you are not emitting your vehicle’s security code. In addition to being fully aware of your surroundings, this safety precaution may prevent a break-in.

Safety First

Consider purchasing a vehicle theft protection alarm for your car. If someone tries to break in, the alarm will sound and may deter the thief. If nothing else, it will alert others around your vehicle that there is a problem and to call the police.

Smoking Cessation Tips

April 5th, 2018 | No Comments | Posted in Insurance Discount Strategies

 

Quitting smoking is one of the best choices you can make to improve your overall health, but it’s also extremely difficult. The following are some suggestions to get you started on your journey to being smoke-free:

  • Make a quit plan. A quit plan will help you stay focused and motivated. This plan should outline your quit date, reasons for quitting, smoking triggers and ways you intend to fight cravings. You can build your own quit plan from scratch or with help from Smokefree.gov.
     
  • Avoid smoking triggers. These triggers differ from person to person, but include the people, places, things and situations that set off your urge to smoke. In general, it’s a good idea to spend time with friends and family who can encourage you or in places where smoking isn’t allowed
     
  • Try smoking cessation tools, like nicotine patches. While some individuals have used e-cigarettes to limit cigarette usage, the long-term health impact of these devices has yet to be seen. In general, it’s better to try and quit cold turkey.
     
  • Focus on the benefits of a smoke-free lifestyle. Within a few days of quitting, you may notice that your sense of taste and smell is improving. In addition, as you quit, your breathing will become easier and your smoker’s cough will lessen over time. Best of all, quitting smoking will extend your life expectancy.

Don’t be discouraged if you slip up. One cigarette is better than an entire pack, but that doesn’t mean you can safely smoke every now and then. Speak to a doctor for more ideas on how to quit smoking.

Read the complete inSIGHTS newsletter here.

Roadside Emergency Kit

March 2nd, 2018 | No Comments | Posted in Insurance Discount Strategies

Technology to Improve Home Safety

March 2nd, 2018 | No Comments | Posted in Insurance Discount Strategies

As a homeowner, one of your top priorities is keeping your property and family safe from intruders. With the advent of smart homes and new technology, home security is easier and more affordable than ever.

The following are some new technologies that can protect you and your loved ones from criminals:

  • Doorbell cameras—Doorbell cameras are a great way to see who is at the door before you open it. This is especially useful if you have children who are frequently home alone.
  • Smart door locks—Smart door locks allow you to lock or unlock your doors remotely. This can be helpful if you forget to lock your doors before you leave the house.
  • Motion sensors—Homeowners can attach motion sensors to doors and windows. Even the slightest movement can trigger these devices and alert you to intruders.

Above all, it’s important to have a strong security system in place. These systems should include Wi-Fi-enabled cameras, smart smoke detectors and an alarm system that notifies the authorities in an emergency.

Read the complete inSIGHTS newsletter here.

Know Your Insurance

February 2nd, 2018 | No Comments | Posted in Insurance Discount Strategies

Life Events that Affect Your Insurance Needs

As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance broker if you’re affected by any of the following life events:

  • New home ownership— Purchasing a new home is a big investment—one that you will want to protect. After purchasing a home, ensure that you have homeowners insurance to protect against things like fire, weather damage, theft, vandalism and accidental damage. This advice also holds true if you are buying a new condo or vacation home.
     
  • Home renovations—Once you own a home, you may want to make updates to create a better living space. Be sure to report major home improvements to your insurance company to protect any increased value to your home.
     
  • New children—Having or adopting children is not only a huge life change, but it’s also a major financial commitment. As such, it’s important to purchase the right policy to secure your child’s future. Add your child as a beneficiary on any life insurance policies, and make sure your coverage is sufficient.
     
  • Teenage drivers— Teen drivers often carry the highest risk of auto accidents. While you want your teen driver to remain safe on the road, costly accidents can happen without warning. Consider adding your teen driver to your auto policy, as it is generally cheaper than purchasing a separate policy.
     
  • Retirement—When you retire, you may change residences. If you have more than one home, this is a good time to let your insurance provider know where you plan to spend your time.
     
  • Valuable purchases—A standard homeowners policy has limited coverage for highly valuable items. Supplement purchases and gifts that exceed the policy’s limits with a floater—a separate policy that provides additional insurance.
     
  • Marriage—When your marital status changes, so do your insurance needs. Marriage typically leads to the combination of households, vehicles and other property, so it is critical to update your insurance policies accordingly. What’s more, life insurance is vital to married couples as it can ease the financial burden in the event of an untimely death of a partner. Ask about discounts on car insurance for married policyholders.
     
  • Purchasing or selling a business—If you’re an entrepreneur, there will likely come a time when you will either buy or sell your business. During these times of major change, the proper coverage is crucial.

Insurance is critical for nearly every stage of life. Seeking coverage should be an active process, and individuals shouldn’t assume their insurance needs remain steady over time. Consider contacting your broker today to better understand your insurance and future needs.