Fall is a wonderful time — if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and big ones before they become catastrophes. Here are 10 tips to help:
Want to keep going? You can get a checklist from the National Center for Healthy Housing here: http://www.hud.gov/offices/lead/library/hhi/Healthy_Housing_CheckList.pdf.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user Lali Masriera used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user Steven Miller used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
When the sun is out and the weather gets warm, people flock to the water — whether it’s the beach, lakes, rivers or a backyard pool. But wherever there’s water, there’s also danger lurking beneath the surface, even if you don’t live in an area with alligators or other threats.
That danger? Drowning. According to the U.S. Centers for Disease Control and Prevention, about 10 people drown every day — and two of those are children 14 or younger. And while this story is about swimming, don’t think that’s the only time you need to be vigilant. A baby can drown in just 1 inch of water, and a curious toddler can drown after falling into a toilet, bucket or even a fish tank. So keep the bathroom door closed if you have young ones at home, always supervise bath time, close toilet lids and make sure buckets are stored indoors and empty.
Swimming safety
The biggest risk for most people comes during recreational activities around water, though. That’s why it’s so important to know how to stay safe — and help others if the need arises. Here are some general tips from the American Red Cross:
Of course, not all water outings are the same, and although the tips above are a good start, different situations require different safety precautions, too.
At the pool
Among children 1 to 4 years old, most drowning deaths occur in home swimming pools — a statistic the “Pool Safely” campaign from the U.S. Consumer Product Safety Commission aims to combat. Here are some additional tips if you have a pool, live near one or visit one often.
At the beach
According to the American Red Cross, you need different skills to swim in the ocean, so make sure you’re comfortable beforehand, and follow these guidelines:
Additional tips for lakes, rivers and streams
If someone is in danger in a natural setting, reach out to them using anything that can extend your reach — a pole, tree branch, even a towel. You also can throw a floating object to them for support. But typically, you shouldn’t go in yourself, as that can put you in just as much danger. Let the professionals handle water rescues.
Summer fun in and around the water is for people of all ages — just keep in mind that some people need more supervision than others, and everyone needs to keep safety in mind at all times. See you out in the sun!
Reposted with permission from the original author, Safeco Insurance®
Top image by Flickr user Tony Hisgett under Creative Commons Attribution 2.0 Generic license. Image cropped and modified from original.
Source: SafeCo Agents
What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands.
Thankfully, you don’t have to do without. But you do have to use tools safely, if you want to do good work and keep all of your fingers and appendages intact, anyway.
How do you do that? These recommendations from the University of California Cooperative Extension and the Power Tool Institute will help.
Start with some heavy … reading. We know, you just want to start using that new circular saw/nail gun/belt sander — but take the time to read the instructions. They’ll help you get the most out of your tool, both in terms of safety and performance.
Then, do a little journaling. OK, not really. But you should write down the details of your new tool (and your others as well). Include a description, serial number and a copy of the receipt if you have it, because it all will come in handy if your tools are ever stolen, or damaged in a fire or other disaster. Not big on writing? Photos or videos are great, too.
Is it finally time to work? Yes — as long as you’ve got the right safety gear, including eye and ear protection, a mask or respirator if the project will kick up a lot of dust or other fine debris, and protective clothing that isn’t loose.
But don’t rush things. Working too quickly can lead to injuries. Always stay in control by making sure your work area is stable and clean, using both hands to operate your power tools and avoiding distractions while you work. Don’t ever use these tools if you’re tired, sick or under the influence of drugs or alcohol. Not only will you jeopardize your safety, you probably won’t be happy with your work.
And don’t forget maintenance, either. Keep your tools clean and stored in a safe, secure area. Replace parts, such as blades, as soon as they become bent or warped; don’t ever use tools that have been damaged. When you follow the manufacturer’s instructions, use a little common sense and treat your tools well, they should serve you faithfully for years. Let’s hope that deck you’re building will, too.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user jseliger1 used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially dangerous, it’s also expensive. On average, most water backup claims cost $5,000-$10,000 to repair.
Water backup coverage is optional coverage that can be added to your existing homeowners policy for this type of situation. But since many homeowners policies either don’t cover water backups, or only offer limited protection, it’s worth learning more about this valuable and affordable option. Because you don’t want to find out you’re underinsured after you experience a water backup issue.
The amount of coverage you’ll need depends on several factors including:
Once we have this information, we can offer a quote for either adding the option or increasing your amount of water backup coverage. And the good news it this coverage is inexpensive. You can get quality coverage for less than $25 per month.
To discuss your current homeowners policy with an expert, contact us today.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user .waldec used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user Phil Roeder used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off your list: the right car insurance.
While some auto coverage options are essential whatever the age of your car, new vehicles may carry some additional risks you should know about. So before leaving the lot, give us a quick call to discuss the possible coverage options:
New vehicle replacement. Here’s how this coverage works: If you’re the original owner of a new car that is totaled or stolen within one year of purchase, you’ll be paid the full value of the car you lost or a comparable model. Without this policy, you may have to settle for something less than new. Please note that this coverage is included with certain Safeco auto policies.
Loan and lease coverage. Consider what could happen if you financed your new car and then it was totaled or stolen soon after buying it. Not only would you lose your new ride, you’d still be on the hook for your entire loan balance — which would be more than the car was worth. With loan and lease coverage, you’d get a check to cover the gap between what’s left on your loan and the depreciated value of your car.
Audio-visual and custom equipment coverage. If you’re an avid music fan who enjoys a custom sound system or DVD player, this coverage protects you for the full value of any A/V equipment not installed at the factory or dealership. It also covers such modifications as roll bars, certain custom engine parts, lift kits, special wheels, artwork, decals, and other personal touches.
OEM parts replacement. OEM (original equipment manufacturer) parts are often preferable to other aftermarket parts because they are made specifically for your make and model of vehicle. So if you want your Honda repaired with Honda parts, or your Mercedes to only have official Mercedes parts, this coverage is for you. When you buy this optional coverage, it’s added to your existing Comprehensive and Collision coverage so that all repairs or replacements made to your damaged car will include new OEM parts where available.
You invested in a new car. So be sure your investment extends to the right auto policy as well. To learn more protecting your new vehicle, give us a call today!
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user OakleyOriginals used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a disastrous storm or other event.
Your family emergency plan should include considerations for Fluffy or Fido. Not just so they’re comfortable, but so they’re safe, too. Here are some emergency planning tips for families with pets:
Prepare Now so You and Your Pet Are Ready Later
See to Your Pet’s Needs During a Disaster
Continue to Be Cautious Once It’s Over
If you’re like most people, you consider your pets part of the family. Including them in your plans, and taking steps before a disaster strikes, will make it easier to keep the whole family together.
Reposted with permission from the original author, Safeco Insurance®
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Source: SafeCo Agents
Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about them when service is interrupted. And when that happens, you may be surprised by what your basic homeowners policy covers, and what it doesn’t.
Did you know that, as a homeowner, you are responsible for the maintenance, repair, and replacement of service lines connecting to your house? Energy companies and other service providers are only responsible for the infrastructure up to where it connects to your property. That means that if one of your pipes freezes or your sewer line backs up into your house, you have to pay to fix it.
Consider this common scenario. You have a mature tree on the parking strip in front of your house and its roots have penetrated into your main water line. What began as a small, unnoticed crack eventually expands and causes your pipe to rupture. To fix it, you’ll have to dig up your yard and replace the pipe. That could be a big mess — and an even bigger bill. This type of job can easily run to $5,000 or more.
However, if you have service line coverage, it would pay for the excavation, the new pipe, labor, and even the costs of any outdoor property damaged as a result of the leak. Doesn’t that sound better than paying the full cost out of pocket?
How Service Line Coverage Protects Your Home
Service line coverage protects you from damages that occur to your service lines running from the point of connection to the main service or utility line up to your home. The types of lines covered include:
Covered losses include, but are not limited to such issues as:
Best of all, this coverage — and the peace of mind it brings — is available for just a few dollars per month. To learn more about service line coverage, or homeowners insurance in general, contact us today.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user nachans used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
You keep your home stocked with supplies to use in case of emergency. (Right?)
What about your car?
During winter, extreme weather and road conditions can lead to all kinds of trouble when you’re traveling — crashes, getting stuck, getting lost. And cold temperatures make those situations even more dangerous than usual.
So keep a stockpile of emergency items in your car, just like your house. In the best-case scenarios, you’ll never have to use them, or they’ll just help keep you comfortable for an hour or so while you wait for a tow truck. But if you’re ever caught in a truly sticky situation, you might need them to do something more — like keep you alive.
The folks at Wisconsin’s Emergency Management agency are quite familiar with the perils of winter travel, as you can imagine. So don’t just take our word for it — here are some of the things they recommend you keep in your car to help keep you safe should you run into trouble on the roads in the snow and ice.
Your kit doesn’t have to be limited to the list above, of course. Feel free to add items that suit your needs. But most important, keep the kit in your car at all times — and then keep these additional safety tips in mind:
Remember, even the best drivers can end up in a bad situation when the weather gets bad. It doesn’t take much time or money to prepare an emergency kit — but the potential cost of not having one is enormous.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user orion used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an accident. And after an accident is not the time to find out you’re underinsured.
When considering the amount and type of coverage you need, remember that numbers can be deceiving. For instance, carrying $100,000 of liability coverage may sound like a lot, and it is. But even that much likely won’t cover medical costs if you’re involved in an accident that causes serious injury, especially if multiple people are involved. When you consider medical bills, pain and suffering, lost wages, emotional distress, and residual pain and scarring, $100,000 doesn’t go very far. And without enough insurance, you would be required to pay the difference between your liability limits and actual costs of an accident.
The following are some important things to consider when shopping for auto insurance.
Cost isn’t everything. Don’t approach auto coverage like a commodity in which cost is the only factor. The amount you carry should be based on your lifestyle, earnings, how much and where you drive, your overall risk exposure, and other factors.
Personalize your search. We strongly suggest talking with an independent Safeco agent about your personal risk exposure. This helps ensure you get the most appropriate coverage for your life and your budget. Plus, it gives you a chance to ask an agent specific questions, and there’s no consultation fee.
Physical damage vs. liability. Physical damage coverage helps pay for repairs to your car following an accident or loss. Comprehensive physical damage coverage goes even further by covering damage to your vehicle that does not result from a car accident, such as if a tree falls on it. Liability coverage pays medical bills and property damage you may be held responsible for if you cause an accident that injures another person or damages their property.
When deciding which option is best for you, consider your budget, financial assets, and risk exposure and select the highest limits you can afford. This helps reduce your risk of having to pay for any costs above your limits in case of accident or liability.
Uninsured and underinisured coverage. Some states require drivers to have uninsured and underinsured motorist coverage to pay damages you are entitled to if damages exceed the at-fault driver’s limits. Even if it is not required where you live, adding it to your policy can maximize your protection for a relatively low cost.
Coverage Options
Understanding different policy options can help you get the best combination of coverage, value, and cost. The following are a few common, and valuable, options to consider.
Loan/lease gap coverage. With this optional coverage, if the unpaid loan or lease amount exceeds the value of your car after an accident, Safeco will cover the unpaid amount on the loan or lease minus what your car is actually worth today. If you were in an accident without this coverage, you would be responsible for the difference between the actual cash value and the unpaid loan balance.
New car replacement. If you have a new car, you may not have enough coverage to get an equivalent vehicle if your new car is totaled. New car replacement coverage will pay either the purchase price to replace the vehicle, the cost of a similar new vehicle, or the market value of the vehicle.
Roadside assistance and emergency expenses. Having roadside assistance and emergency expense coverages ensures you can get a tow truck, battery jump-start, tire changes, or even labor should your car break down. Emergency assistance covers transportation, lodging, and personal property coverage. Much better than being stuck on the side of the road!
Pet coverage. We understand that pets are family, too. Pet coverage will help pay for the veterinary expenses if your dog or cat is injured or killed in a collision.
Ask About Discounts
When talking with an independent agent or comparing insurance companies, be sure to ask about discounts. Some ways to save on your premiums include:
Maintain a safe driving record. Installing a device or app that tracks your miles, driving behavior, and the time of day you drive can all demonstrate that you are a safe driver and could result in a noticeable discount.
Own a home. You’ll save on premiums if you own your house.
Package your policies. You get a discount when you bundle your home, auto, boat, motorcycle, or other policies with Safeco. Having just one bill is more convenient too.
Paid in full billing. By paying your bill at the start or renewal of the policy rather than monthly, you can reduce your premiums.
To learn more about getting the right coverage for your needs, give us a call today!
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user Satish Krishnamurthy used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Source: SafeCo Agents
Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is responsible for more than 400 deaths in America each year, according to the U.S. Centers for Disease Control and Prevention.
The truly frightening thing? Most of those victims likely had no idea they were in danger.
CO often is called “the invisible killer” because it’s odorless and colorless, and, when it builds up in an enclosed space, it’s deadly. Everyone is at risk, too, because CO is produced by a number of things we use every day, such as cars and trucks, stoves, grills, gas ranges, furnaces and more.
So, how do you protect yourself? Especially in winter, when it’s cold outside and you’re using heat sources inside your home?
Here are some basic actions you can take to help limit your exposure:
If you suspect CO poisoning, move the person (and yourself) outside immediately and call 911.
Remember, the important thing to know about carbon monoxide is this: Without CO detectors (and other common-sense measures), you won’t know when you’re at risk. So, take steps to protect yourself and your family today.
Reposted with permission from the original author, Safeco Insurance®.
Top image by Flickr user SmartSign used under Creative Commons Attribution 2.0 Generic license. Image cropped and modified from original.
Source: SafeCo Agents