Motorcycle Insurance | Boizelle Insurance Partnership

Riding a motorcycle in bad weather requires extra caution and preparation. Here are key safety tips to help you stay safe:

1. Check the Weather Before You Ride

• Avoid riding during storms, heavy rain, snow, or icy conditions if possible.
• Look for sudden changes in temperature that might indicate ice or slick roads.

2. Wear the Right Gear

• Waterproof Gear: Use a waterproof riding suit, gloves, and boots.
• High-Visibility Colors: Use bright colors or reflective strips to stay visible.
• Full-Face Helmet: Protects from wind, rain, and debris; use anti-fog visors.

3. Slow Down and Increase Following Distance

• Wet roads reduce traction and braking efficiency.
• Increase your following distance to at least 4–5 seconds behind the vehicle in front.

4. Ride Smoothly

• Avoid sudden acceleration, hard braking, or sharp turns.
• Use both brakes gently and evenly; downshift carefully.

5. Watch the Road Surface

• Be extra cautious of:
  • Painted lines, manhole covers, and metal surfaces (slippery when wet)
  • Potholes and standing water: Risk of hydroplaning or hidden hazards
  • Leaves or debris on the road

6. Use Your Lights

• Keep your headlights and taillights on at all times, even during the day.
• Flash brake lights when slowing down to alert drivers behind you.

7. Maintain Your Bike

• Tires: Ensure good tread and proper pressure.
• Brakes: Should be responsive and evenly adjusted.
• Lights and Signals: Fully functional for visibility.

8. Know When to Stop

• If conditions become too dangerous—like strong winds, lightning, or freezing rain—find a safe place to stop and wait it out.

 

Protecting your business from liquor liability claims is essential if you sell, serve, or allow the consumption of alcohol on your premises. Here’s a comprehensive approach:

1. Obtain Liquor Liability Insurance

• Specialized Coverage: Ensure you have liquor liability insurance separate from general liability insurance.
• Adequate Limits: Work with an insurance broker to determine the appropriate coverage limits for your risk level.
• State Requirements: Some states mandate this insurance—make sure you meet or exceed the legal requirements.

 

2. Comply With Local, State, and Federal Laws

• Licensing: Keep all liquor licenses current and valid.
• Age Verification: Strictly enforce ID checks to avoid serving underage patrons.
• Hours of Sale: Adhere to regulated hours for alcohol sales and service.

 

 

3. Train Your Staff

• Responsible Beverage Service Training:
• Use programs like TIPS (Training for Intervention Procedures) or ServSafe Alcohol.
• Focus on recognizing signs of intoxication and how to refuse service safely.

 

• Document Training: Keep records of staff certifications and refresher courses.

 

4. Establish and Enforce Clear Policies

• Service Policies: Write clear guidelines about when and how alcohol is served.
• Refusal of Service: Empower staff to say no and back them up when they do.
• Incident Reporting: Require documentation of all alcohol-related incidents.

 

5. Monitor Patron Behavior

• Visible Intoxication: Don’t serve anyone visibly intoxicated—it’s a common trigger for lawsuits.
• Security Presence: Have trained personnel, especially for events or peak hours.
• Limit Promotions: Avoid promotions that encourage excessive drinking (e.g., “all-you-can-drink” deals).

 

6. Use Technology Wisely

• Surveillance Systems: Install cameras to monitor service areas and entrances.
• ID Scanners: Use ID scanning tools to verify age and identify fake IDs.

 

7. Know Your Legal Defenses

• Dram Shop Laws: Understand your state’s dram shop laws, which hold businesses liable for serving intoxicated or underage persons who later cause harm.
• Comparative Negligence: Know if you can argue that the customer or a third party was partially responsible.

 

8. Consult Legal and Risk Experts

• Regular Legal Review: Have a legal expert review your policies and procedures periodically.
• Risk Assessment: Work with a risk manager or insurance advisor to identify vulnerabilities.

 

 

Combating glare from the sun while driving is crucial for safety and comfort. Here are the most effective ways to reduce or eliminate sun glare:

1. Use Polarized Sunglasses

• Why it works: Polarized lenses filter out horizontal light waves, which are the main cause of glare from reflective surfaces like roads and windshields.
• Bonus: They also help reduce eye strain.

2. Keep Your Windshield Clean (Inside & Out)

• Why it works: Dirt, dust, and streaks scatter sunlight, intensifying glare.
• Tip: Use glass cleaner and a microfiber cloth. Don’t forget the inside of the windshield, where film buildup often occurs.

3. Use Your Car’s Sun Visors Effectively

• Why it works: They physically block direct sunlight from reaching your eyes.
• Tip: Some visors can extend or pivot to the side; use both front and side visors when needed.

4. Adjust Your Driving Schedule (if possible)

• Why it works: Avoiding driving during sunrise or sunset, when the sun is low on the horizon, can prevent the worst glare.
• Alternative: Use routes with more shade or buildings that block the sun.

 

🪟 5. Apply Anti-Glare or Tint Film to Windows

• Why it works: Window tints reduce brightness and UV exposure, and anti-glare films diffuse intense light.
• Note: Check local laws about how dark window tints can be.

6. Use a Dashboard Cover

• Why it works: A matte-finish dashboard cover reduces the amount of sunlight that reflects off the dashboard and into your eyes.

7. Adjust Seat and Steering Wheel Position

• Why it works: Slight changes in your posture or position can alter how sunlight hits your eyes.
• Tip: Try tilting the seat slightly lower or higher depending on sun position.

8. Use Clip-on or Built-in Sun Glare Shields

 

• Why it works: Aftermarket sun glare extenders (e.g., tinted visor panels) can give you extra coverage beyond what your visor offers.

Summary:

The best combo is polarized sunglasses + clean windshield + smart use of visors and tints. Add other tools like glare shields or tinted films for enhanced comfort.

Would you like recommendations for specific products (e.g., sunglasses or glare shields)?

 

Extreme heat can have several negative effects on your car, impacting performance, safety, and longevity. Here’s a breakdown of how it can affect different components:

Battery

• Heat accelerates battery fluid evaporation, which can lead to internal corrosion.
• High temperatures shorten battery life, especially in older batteries.

 

Fluids (Oil, Coolant, Transmission Fluid)

• Coolant becomes especially important to prevent engine overheating.
• Heat can thin engine oil, reducing its ability to lubricate properly.
• Transmission fluid can degrade faster, impacting gear performance.

 

Engine

• Heat causes tire pressure to rise, increasing the risk of a blowout.
• Underinflated or overinflated tires are more vulnerable in hot conditions.

 

Interior

• UV rays and heat can crack dashboards, fade upholstery, and damage electronics.
• Cabin temperatures can climb dangerously high, posing health risks.

 

Paint and Exterior

• Prolonged sun exposure can fade paint and degrade rubber trims and seals.
• Waxing your car and using a car cover or shaded parking can help.

 

Other Effects

• Belts and hoses are more likely to crack or burst in heat.
• Electronics like infotainment systems and sensors may become glitchy.

 

Tips to Protect Your Car in Extreme Heat

1. Check fluid levels regularly.
2. Park in the shade or use sunshades
3. Monitor tire pressure weekly.
4. Get your cooling system serviced.
5. Clean and wax your car to protect the paint.
6. Use a windshield sunshade and crack windows slightly when parked.

 

Whenever we get behind the wheel, we are taking a risk. Just as with anything in life, we have faith that the decisions we make will be good ones that will lead us to good health and happy, fulfilling lives. We can plan frivolously and without doubt in our minds. Even after doing all of this, we must face this one simple truth: we cannot control everything. And that includes being involved in a hit-and-run accident. If you are ever involved in a hit-and-run accident, this is what you should do.

Immediate Actions:

1. You are not doing yourself or anyone else in your car any favors by panicking after an accident. Yes, you may experience some sense of surprise or shock, but it’s important to do your best to remain as calm as possible.
2. Ensure Safety:

• Move to a safe location, out of the way of traffic if possible.
• Check yourself and any passengers for injuries.

3. Call 911 Immediately:

• Report the accident to the police, especially since it’s a hit and run.
• Request medical assistance if anyone is injured.

4. Do Not Chase the Other Driver:

• This can put you in more danger and may complicate legal matters.

 

Gather Information:

Even if the other driver fled, collect as much information as you can:

• Time and location of the accident.
• Description of the vehicle that hit you (make, model, color, license plate if you saw it).
• Direction the vehicle was headed.
• Photos of the damage to your car, the scene, debris, skid marks, etc.
• Witness info: Names and contact info of anyone who saw what happened.
• Surrounding area: Look for traffic or security cameras that may have captured the incident.

 

File a Police Report:

• Get a copy of the police report or at least the report number.
• This is critical for insurance and legal follow-up.

 

Notify Your Insurance Company:

• Report the hit and run to your insurer as soon as possible.
• Your uninsured motorist coverage (if you have it) may cover the damage and injuries.
• Provide the police report number and any other documentation.

 

Seek Medical Attention:

Even if you feel okay, get checked out—some injuries don’t show symptoms right away.

Document Everything:

• Keep all receipts, medical bills, repair estimates, and a journal of how the accident affects your daily life.
• These may help in a claim or lawsuit.

Legal Help (if needed):

• Consider consulting a personal injury attorney, especially if you’re injured or unsure how to proceed.
• Many offer free consultations and can help with hit and run cases.

Sleep-deprivation is a serious issue that can affect the entire population of the world. If you are a business owner, it is important to acknowledge that sleep-deprivation is a real dilemma and that you can take steps to keep yourself and your employees safe. If you take necessary action, not only will your employees stay safe, but your business has a greater potential to thrive, resulting from better performance from your employees and greater profitability.

Poor Decision-Making

Lack of sleep impairs judgment, problem-solving, and strategic thinking. This can lead to:

• Costly business mistakes
• Missed opportunities
• Poor financial decisions

Increased Risk of Accidents

Sleep-deprived employees are more likely to:

• Be involved in workplace accidents or errors (especially in physical or high-risk jobs)
• Damage equipment
• Cause safety violations

This can lead to injury, legal liability, or increased insurance costs.

3. Decreased Productivity

Fatigue slows down work output and increases error rates. Tired employees:

• Take longer to complete tasks
• Need more revisions
• Are less creative and less motivated

4. Lower Morale and Higher Turnover

Chronic sleep deprivation leads to:

• Burnout
• Frustration and irritability
• Increased absenteeism and sick days

This erodes company culture and increases hiring/training costs.

5. Cognitive and Communication Failures

Tired brains struggle with:

• Memory recall
• Concentration
• Listening and communication

This can cause miscommunications with clients, vendors, or within teams—hurting reputation and project outcomes.

6. Poor Customer Experience

Fatigue can cause employees to:

• Be less attentive or helpful
• Provide inconsistent service
• Respond slower or inappropriately to customer needs

This negatively impacts customer satisfaction and retention.

Believe it or not, there are particular times of the day when drivers are most at risk. If you own a business that requires commercial vehicles and regular driving by your employees, take note of these times:

Early morning (2:00 AM – 6:00 AM)

• This is when the body is at its lowest alertness level.
• Core body temperature drops, and melatonin levels rise—strong biological cues for sleep.
• Common among shift workers, long-haul drivers, or people driving after a night of little or no sleep.

Mid-Afternoon (1:00 PM – 3:00 PM)

• Often referred to as the “afternoon slump.”
• Even well-rested individuals can feel naturally drowsy due to a second, smaller dip in circadian alertness.
• Risk is increased if a driver had a large meal or poor sleep the night before.

You can take a proactive approach to keep yourself and your employees safe:

1. Enforce Rest and Work-Hour Policies

• Follow legal limits on driving hours (e.g. FMCSA rules for commercial drivers in the U.S.).
• Set realistic schedules that avoid driver fatigue.
• Require rest breaks and overnight rest for long hauls.
• Discourage driving late at night or in the early morning hours (2:00 AM – 6:00 AM)

 

2. Educate on Fatigue Risks

• Provide training on:
• Signs of drowsiness
• Dangers of microsleeps
• Safe sleep habits and circadian rhythms

 

3. Encourage Proper Sleep and Health

Promote wellness programs that include the following:

• Sleep hygiene education
• Healthy eating and hydration
• Stress and time management

 

4. Use Technology and Monitoring

• Install driver fatigue monitoring systems or dashcams with AI detection.
• Use telematics to monitor:

Hours of service

Harsh braking or swerving (signs of drowsiness)

 

Set up automated alerts for extended driving time or late-night activity.

 

5. Create a Safety-First Culture

• Make safety a core value, not just a compliance checkbox.
• Empower drivers to pull over if tired, without fear of punishment and report fatigue or unsafe conditions.
• Celebrate safety milestones and reward cautious behavior.

 

6. Maintain Safe Vehicles

• Regularly inspect brakes, tires, and lights.
• Ensure vehicles have working air conditioning or heating, comfortable seating for long trips, and first-aid kits and emergency supplies.

 

7. Avoid Incentives That Encourage Risky Driving

• Don’t tie bonuses strictly to delivery times or mileage that could pressure drivers to skip rest.
• Instead, reward safe driving records and incident-free months.

 

8. Plan Smart Routes

• Use GPS and logistics in order to minimize drive time, avoid congested or dangerous roads, and include built-in rest stops.

 

The safety of yourself and your employees is of paramount importance to ensure the longevity and prosperity of your business. By taking these steps, you will be well on your way to having a successful business with employees that know that you care about them.

 

Getting a speeding ticket can affect your auto insurance in several ways, depending on factors like your driving history, the severity of the offense, and your insurer’s policies. Here’s what typically happens:

1. Premium Increase

• First Offense: If it’s your first ticket and you’re otherwise a safe driver, your insurer might not raise your rates much, or at all—especially if it was a minor violation.
• Repeat Offenses or Major Speeding: Multiple tickets or going significantly over the speed limit (e.g. 20+ mph over) can lead to a noticeable premium increase—often 10% o 25% or more.
• State Laws & Insurer Policies: Some states regulate how insurers can use traffic violations, and different companies weigh them differently.

 

2. Loss of Discounts

You might lose “good driver” or “safe driver” discounts, which can lead to a rate hike even if the base premium doesn’t change.

 

3. Points on Your Driving Record

Most states use a point system. Accumulating points from tickets can lead to:

• Higher insurance rates.
• License suspension if enough points add up.
• License suspension if enough points add up.

 

4. Policy Non-Renewal or Cancellation

In rare cases, especially with multiple or serious violations, your insurer may choose not the renew your policy or could even cancel it mid-term.

 

 

5. Duration of Impact

Speeding tickets typically stay on your driving record for 3 to 5 years, depending on the state. Insurers usually consider violations during that window when setting rates.

 

 

What You Can Do

• Defensive driving course: Some insurers or states allow you to take a course to remove or reduce the impact of a ticket.
• Fight the ticket: If you believe you were wrongly ticketed, contesting it could keep it off your record.
• Shop around: If your rates go up, other insurers might offer a better deal, even with a recent ticket.

 

 

 

 

Preparing your boat for the summer and following proper safety guidelines are essential for a smooth and safe boating season. By following these tips, you’ll be on your way to having a fun, relaxing, enjoyable summer with the ones you love!

Prepare Your Boat for Summer

1. Inspect the Hull and Propeller:

• Look for cracks, blisters, or damage.
• Check the propeller for dings or distortion and ensure it’s securely attached.

 

2. Clean and Paint:

• Clean the hull thoroughly.
• Apply antifouling paint if you’ll be in saltwater or leaving it in the water long-term.

 

3. Check the Engine:

• Change the oil and replace filters.
• Check and replace the fuel, air, and oil filters if needed.
• Inspect belts, cables, and hoses for wear.

 

4. Fuel System:

• Inspect for leaks or brittle fuel lines.
• Fill the tank with fresh fuel and add a stabilizer.

 

5. Battery Check:

• Fully charge the battery and clean terminals.
• Test the voltage and replace it if it won’t hold a charge.

 

6. Cooling System:

• Flush and refill with fresh coolant if applicable.
• Check water pumps and impellers.

 

7. Safety Gear Inventory:

• Ensure you have enough life jackets and they’re in good condition.
• Test fire extinguishers and replace if expired.
• Check flares and signaling devices for expiration.

 

8. Electronics and Lights:

• Test navigation and interior lights.
• Ensure GPS, depth finder, radio, and other electronics work properly.

 

9. Inspect the Trailer:

• Check tires, bearings, brakes, and lights.
• Make sure the winch and straps are functioning.

 

Boat Safety Tips

1. Wear Life Jackets:

• Always wear a U.S. Coast Guard-approved life jacket—especially kids and non-swimmers.

 

2. Check the Weather:

• Avoid going out in rough or unpredictable weather.

 

 

3. Tell Someone Your Plan:

• Share your float plan (where you’re going and when you’ll be back) with a friend or marina.

 

4. Avoid Alcohol:

• Don’t drive the boat under the influence—boating under the influence (BUI) is illegal and dangerous.

 

5. Know Navigation Rules:

• Understand right-of-way, channel markers, and local boating laws.

 

6. Emergency Equipment:

• Carry a first aid kit, whistle, mirror, flashlight, and basic tools.

 

7. Fire Safety:

• Keep fire extinguishers readily accessible and regularly inspected.

 

8. Carbon Monoxide Awareness:

• Don’t idle in enclosed spaces; install CO detectors if possible.

 

9. Anchoring Practice:

• Know how to properly set and retrieve an anchor.

 

10. Take a Boating Safety Course:

• Many are offered online or locally and may even reduce insurance rates.

Having a squirrel in your attic can lead to property damage and potential health hazards. Here’s a step-by-step approach to deal with it:

1. Confirm It’s a Squirrel

• Listen for noises during the day (squirrels are usually diurnal).
• Look for signs like chewed wires, insulation damage, or droppings.

 

2. Find the Entry Point

• Check the attic, roof, vents, soffits, and eaves for holes or chewed openings.
• Squirrels can squeeze through holes as small as 1.5 inches.

 

3. Encourage It to Leave (Before Sealing Anything)

• Use light, noise, or strong smells (e.g., apple cider vinegar, ammonia-soaked rags) to make the attic less hospitable.
• Leave the attic light on and play a radio.
• Avoid sealing the entry until you’re sure all squirrels are out.

 

4. Install a One-Way Door

• These allow squirrels to leave but not return. You can buy one or have a professional install it.

 

5. Seal Entry Points

• Once you’re sure they’re gone (wait a few days to be safe), seal all holes with metal mesh or hardware cloth. Check for babies (usually born Feb-May or Aug-Oct).

 

6. Clean and Repair

• Remove contaminated insulation, droppings, and nesting material.
• Disinfect the area and repair any chewed wiring or wood.

 

7. Consider Professional Help

• If you’re unsure or can’t safely access the attic, contact a licensed wildlife removal expert.

 

 

Using solar panels comes with a range of advantage and disadvantages depending on your goals, location and financial situation. Here’s a breakdown of the main pros and cons:

Pros of Using Solar Panels

1. Renewable Energy Source

Solar power is abundant and renewable—sunlight is free and won’t run out for billions of years.

2. Lower Electricity Bills

Once installed, solar panels can significantly reduce or even eliminate your electricity costs, especially with net metering.

3. Environmentally Friendly

Solar Panels generate clean energy with no greenhouse gas emissions, reducing your carbon footprint.

4. Low Operating Costs

Maintenance is minimal (mostly cleaning and occasional inspections), and there are no fuel costs.

5. Energy Independence

Reduces reliance on utility companies and fossil fuels, especially valuable in areas with unstable grids.

6. Increased Property Value

Homes with solar installations can be more attractive to buyers and sometimes command higher prices.

7. Government Incentives

Many countries offer tax credits, rebates, and other incentives that reduce the cost of installation.

 

Cons of Using Solar Panels

 

1. High Upfront Costs

Installation can be expensive, although this is often mitigated by incentives or financing options.

2. Weather Dependence

Solar efficiency drops on cloudy days and doesn’t work at night (unless paired with battery storage).

3. Space Requirements

Rooftop or ground space must be sufficient and unobstructed by shade for effective operation.

4. Energy Storage is Expensive

Battery systems like Tesla Powerwall are still relatively costly, limiting 24/7 energy use from solar.

5. Efficiency Limits

Most panels convert only 15-22% of sunlight into electricity; technological advancements continue, but gains are incremental.

6. Aesthetic Concerns

Some homeowners find panels unattractive or worry about changes to the appearance of their property.

7. Manufacturing Impact

Production and disposal of solar panels can involve toxic chemicals and energy-intensive processes.

 

 

 

 

Basic Maintenance Tips

1. Check Engine Oil Regularly

• Check the level and condition monthly.
• Change the oil and filter per the manufacturer’s schedule (typically every 5,000-7,500 miles).

2. Maintain Proper Tire Pressure

• Check tire pressure monthly and before long trips.
• Inflate to the recommended PSI (found in the owner’s manual or driver’s door jamb).

3. Rotate Tires

• Rotate tires every 5,000 to 8,000 miles to promote even wear.

4. Inspect and Replace Air Filters

• Check every 12,000 to 15,000 miles.
• Replace if dirty or clogged (more often in dusty environments).

5. Check Coolant Levels

• Inspect reservoir levels and condition every month.
• Flush coolant system according to the schedule (usually every 30,000-50,000 miles).

 

Electrical and Battery Maintenance

6. Test the Battery

• Check for corrosion and tight terminals
• Replace every 3-5 years or when performance drops.

7. Check Headlights, Taillights, and Signals

• Inspect monthly; replace burned-out bulbs immediately.

8. Inspect Windshield Wipers

• Replace every 6-12 months or when they start streaking.

 

Brake and Suspension

9. Inspect Brake Pads and Rotors

• Listen for squealing or grinding.
• Replace pads every 25,000-70,000 miles, depending on driving habits.

10. Check Suspension and Alignment

• Pay attention to uneven tire wear or pulling to one side.
• Have alignment checked annually or after hitting major potholes.

 

Fluids and Transmission

11. Inspect Transmission Fluid

• Check level and color (red/pink and clear is good).
• Change every 30,000-60,000 miles, or as recommended.

12. Check Power Steering Fluid

• Top off if low and check for leaks if fluid disappears quickly.

13. Inspect Belts and Hoses

• Check for cracks, wear, or leaks every oil change.

 

Exterior and Interior Care

14. Wash and Wax Regularly

• Wash every two weeks; wax every 3-6 months to protect paint.

15. Vacuum Interior and Use Protectants

• Clean carpets and condition leather or plastic surfaces to prevent cracking.

 

General Best Practices

16. Follow the Owner’s Manual

• Use it for all recommended service intervals and specifications.

17. Listen to Your Car

• Don’t ignore new sounds, smells, or dashboard warning lights.

18. Keep a Maintenance Log

• Track oil changes, tire rotations, and repairs to stay on top of needs.

 

 

What kind of insurance would protect me from natural disasters?

Insurance that protects you from natural disasters generally falls under the category of property insurance, but with specific add-on coverages or separate policies, depending on the type of disaster. Here’s a breakdown:

1. Homeowners Insurance (Basic Coverage)

• Covers: Some weather-related damage like windstorms, hail, lightning, and fire.
• Does NOT cover: Floods, earthquakes, landslides, or sinkholes (usually).

 

2. Flood Insurance

• Separate policy from the National Flood Insurance Program (NFIP) or private insurers.
• Covers: Water damage from external flooding due to heavy rain, hurricanes, or overflowing bodies of water.
• Not included in standard homeowners insurance.

 

3. Earthquake Insurance

• Separate policy or rider added to your homeowners insurance.
• Covers: Damage from earthquakes, included structural repairs and personal property loss.

 

4. Hurricane Insurance

• Usually a combination of windstorm coverage (in homeowners) and flood insurance.
• Some areas require a hurricane deductible, which is higher than a regular deductible.

 

5. Landslide/Mudslide Insurance

• Not typically covered by standard homeowners or flood insurance.
• May require a Difference in Conditions (DIC) policy, available from specialty insurers.

 

6. Tornado Insurance

• Generally covered under standard homeowners insurance, as part of windstorm coverage.

 

Tips:

• Check your policy’s “named perils” to know what’s covered.
• If you live in a high-risk area, call us at 301-948-2010 to discuss possible endorsements we can add to your current policy or additional policies to make sure you have the proper coverage.

 

What is the best kind of insurance that Erie Insurance offers to cover natural disasters?

Erie Insurance offers comprehensive protection against natural disasters through its Extended Water Coverage, an endorsement that can be added to your ErieSecure Home policy. This coverage is particularly beneficial in areas like Kensington, Maryland, where flooding and water-related incidents can occur even outside designated flood zones.

What Does Extended Water Coverage Include?

Erie’s Extended Water Coverage provides protection for:

• Flooding: Covers damage from flash floods, inland flooding, storm surges, snowmelt, and mudslides.
• Sewer or Drain Backup: Protects against water damage resulting from backups in sewers or drains.
• Flood Avoidance Reimbursement: Offers up to $10,000 to help install equipment or materials to prevent flood damage before it occurs.
• Temporary Living Expenses: Covers additional living costs if you need to temporarily relocate while your home is being repaired.
• Personal Property Protection: Includes coverage for your home, garage, and personal belongings, such as appliances and furniture.

This endorsement can be added to your ErieSecure Home policy or bundle, providing a comprehensive solution for water-related damage.

 

Additional Coverage Options

Beyond Extended Water Coverage, Erie Insurance offers various add-ons to enhance your protection:

• Guaranteed Replacement Cost: Ensures your home can be rebuilt to its original state, regardless of the policy limit.
• Service Line Protection: Covers repairs to underground utility lines running from your house to the curb.
• Umbrella Insurance: Provides additional liability coverage beyond your standard policy limits.

 

These options can be tailored to your specific needs, offering peace of mind against unforeseen events.

 

When getting an auto insurance quote, you should be prepared to answer several questions that help the insurer assess your needs, driving history, and the level of coverage required. Here’s a list of common questions you might encounter:

1. Personal Information

• Full Name: The name of the primary driver(s).
• Date of Birth: To assess your age and driving experience.
• Address: Insurance premiums can vary depending on location.
• Phone Number and Email: For communication purposes.

 

2. Vehicle Information

• Make, Model, and Year of the Vehicle: The type of car affects the premium.
• Vehicle Identification Number (VIN): To confirm details of your car.
• Odometer Reading/Mileage: How many miles you car has been driven.
• Primary Use of the Vehicle: Whether the vehicle is for commuting, business, or leisure.

 

3. Driving History

• License Information: A valid driver’s license number is required.
• Driving Record: Information about any previous accidents or traffic violations (e.g. speeding tickets, DUIs).
• Years of Driving Experience: More experienced drivers may get lower premiums.
• Claims History: Any past insurance claims within the last few years.

 

4. Coverage Preferences

• Types of Coverage: Whether you want liability only, comprehensive, or full coverage.
• Coverage Limits: The amount of protection you want for liability, collision, and comprehensive coverage.
• Deductible Amount: The amount you’re willing to pay out-of-pocket in case of a claim.
• Add-ons: Whether you want extras like roadside assistance, rental car coverage, or uninsured/underinsured motorist coverage.

 

5. Other Details

• Number of Drivers: If multiple people will drive the car, their details might be needed.
• Marital Status: Some insurers offer discounts for married drivers.
• Education Level: Some insurers consider this in their pricing.
• Garage Location: Where the car is primarily stored (e.g. in a garage or on the street).
• Anti-Theft Devices: If your car has a security system, airbags, or anti-lock brakes, these may reduce premiums.

 

6. Discounts

• Previous Insurance: Whether you’ve been continuously insured or if you’re switching from another provider.
• Safety Features: Features like airbags, anti-lock brakes, or a backup camera could qualify you for discounts.
• Low mileage: If you drive fewer miles, you may be eligible for a discount.
• Bundling: If you have multiple policies (e.g. home and auto), you might be able to bundle them for a discount.

 

Preparing these details ahead of time can help streamline the process and ensure you get the most accurate and personalized insurance quote.

Modern home remodeling trends are evolving to reflect a blend of technology, sustainability, comfort, and style. Here are some popular takes on home remodeling today:

1. Open Floor Plans With Defined Zones

• While open floor plans remain popular, there’s a shift towards creating subtle boundaries between spaces using furniture, lighting, and partitions. This way, areas feel open yet functional.
• Example: Using a kitchen island to divide the cooking and living areas or installing glass partitions for office spaces.

 

2. Sustainable and Eco-Friendly Design

• Homeowners are focusing more on energy-efficient appliances, solar panels, and sustainable materials (e.g. bamboo flooring, reclaimed wood, and recycled glass countertops).
• Example: Installing energy-efficient windows and using non-toxic paints to reduce the home’s carbon footprint.

 

3. Smart Homes and Technology Integration

• Smart home systems that integrate lighting, security, and climate control are a significant trend. Home automation, voice-activated systems, and energy management systems add convenience and efficiency.
• Example: Voice-controlled lighting, smart thermostats like Nest, and advanced home security systems with cameras and sensors.

 

4. Minimalism and Clean Lines

• The minimalist aesthetic continues to dominate, with an emphasis on clean lines, uncluttered spaces, and neutral color palettes. This approach maximizes space while promoting a serene atmosphere.
• Example: Simple cabinetry, modern furniture, and less decorative elements.

 

5. Natural Elements and Biophilic Design

• Incorporating nature into the home is a growing trend. Large windows to bring in natural light, indoor plants, green walls, and natural wood finishes are popular choices.
• Example: Living rooms with large glass doors that open to gardens or patios, or bathroom with wood features and abundant plants.

6. Outdoor Living Spaces

• Expanding living spaces into the outdoors with features like decks, patios, fire pits, and outdoor kitchens is a huge trend. Creating outdoor “rooms” that are functional and aesthetically pleasing is common.
• Example: A well-appointed outdoor kitchen with a built-in grill, refrigerator, and seating area for dining or entertaining.

 

7. Wellness-Focused Spaces

• Homes are incorporating spaces that promote physical and mental well-being. This includes home gyms, spa-inspired bathrooms, meditation rooms, and areas designed for relaxation.

 

8. Multi-Functional Spaces

• With more people working from home, there is an increasing need for rooms that can serve multiple functions, like home offices that double as guest rooms or media rooms.
• Example: Murphy beds, foldable desks, and modular furniture that transform a space for different needs.

 

9. Textural Contrast and Bold Accents

• While neutral tones are popular, bold accent walls, intricate textures, and rich patterns are being used to add personality to rooms.
• Example: Velvet upholstery, textured wallpaper, and unique lighting fixtures that stand out as focal points.

 

10. Modern Farmhouse and Industrial Styles

• The modern farmhouse style continues to blend rustic charm with contemporary elements. Industrial design, with exposed metal, brick, and wood, is also popular for an urban, raw aesthetic.
• Example: A farmhouse kitchen with shaker-style cabinetry, apron-front sinks, and industrial lighting fixtures.

 

11. Luxury and High-End Finishes

• Upscaling common spaces with high-end finishes is a trend for those looking to add a touch of elegance. This includes marble countertops, custom cabinetry, designer fixtures, and statement lighting.
• Example: A luxury kitchen with marble countertops, custom-designed cabinets, and high-end appliances like Sub-Zero refrigerators.

 

12. Personalized and Custom Designs

• Customization is key, with homeowners choosing unique and bespoke designs that reflect their personal tastes and lifestyles.
• Example: Custom-built bookshelves, unique lighting installations, or kitchens tailored to individual cooking habits.

 

13. Larger Bathrooms with Spa-Like Features

• Bathrooms are becoming more luxurious, with walk-in showers, freestanding bathtubs, double vanities and high-tech features like heated floors or smart mirrors.
• Example: A spacious master bathroom featuring a soaking tub, dual showerheads, and high-end stone finishes.

 

These modern takes on home remodeling reflect not just aesthetics but also a desire for comfort, sustainability, and personalization. Each choice blends style with functionality to create spaces that cater to today’s lifestyle needs.

 

 

How Does Road Salt Work?

Road salt works by lowering the freezing point of water, which helps to prevent ice from forming on road surfaces and makes it easier to melt existing ice. The primary compound used for road salting is sodium chloride, commonly known as table salt.

Here’s how it works:

1. Freezing Point Depression: When salt is spread on roads, it dissolves in water (such as moisture or melted snow) to form a saltwater solution. This solution has a lower freezing point than pure water. For example, pure water freezes at 32 degrees Fahrenheit, but a saltwater solution might freeze at 20 degrees Fahrenheit or lower, depending on the concentration of salt.

 

2. Melting Ice: When the temperature of the road is slightly below freezing, the salt helps to melt the ice by lowering the freezing point of the water, causing the ice to melt into liquid water even though the temperature is below 32 degrees Fahrenheit.

 

3. Preventing Ice Formation: If the salt is applied before a snowstorm, it can prevent the snow from sticking to the road or prevent ice from forming. As the snow begins to fall and interact with the salty surface, it won’t immediately freeze, giving plows time to clear the roads.

 

4. Effectiveness at Different Temperatures: Salt is most effective when the temperature is around 20 to 30 degrees Fahrenheit. Below that, its effectiveness diminishes, and other materials, like sand or more specialized de-icing compounds (e.g. calcium chloride), may be used.

 

However, road salt isn’t perfect—it can be less effective in very cold conditions and may also have environmental impacts, such as harming plant life and affecting water quality when it runs off into rivers and streams.

What Does Road Salt Do to a Car?

Road salt can have several negative effects on a car, primarily due to its corrosive nature. Here’s how road salt impacts your vehicle.

1. Corrosion of Metal Parts: The biggest concern with road salt is its ability to cause rust and corrosion, especially on the car’s undercarriage, frame, and exposed metal parts. When salt mixes with moisture (snow, rain, or ice), it creates salty brine that can accelerate rusting, especially in areas where water can pool and sit on the vehicle, like the wheel wells, undercarriage, and suspension components.
2. Damage to Paint: Road salt can also damage the vehicle’s paint job. As salt particles stick to the paint, they can cause small chips and scratches. When the salt reacts with moisture, it can create a chemical reaction that leads to fading and peeling of the paint.
3. Brake System Issues: Salt can also affect the brake system. It can cause the brake components, such as calipers and rotors, to rust, which could lead to decreased braking performance or potential failures over time if not maintained properly.
4. Damage to Rubber Components: Salt can degrade rubber parts like seals, hoses, and weatherstripping. This can cause leaks and cracks, which, in turn, can lead to other mechanical issues.
5. Electrical Components: The salt brine can also find its way into electrical connections and wiring, which can lead to corrosion or short-circuiting if left unchecked.

 

How Can I Protect My Car?

There are several ways you can protect your car from the effects or road salt damage:

Wash your car regularly during winter, especially under the chassis, to remove salt buildup.

Waxing you car before the winter season creates a protective barrier against salt.

Rustproofing treatments can help to create an additional layer of protection for the car’s metal parts.

Check the undercarriage for any signs of rust or corrosion and address it promptly.

 

Keeping your car clean and maintaining it properly can significantly reduce the damage caused by road salt over time.

 

Do you own a small business? Have you ever had problems with hackers stealing your data? Cyber insurance is crucial for small businesses for several reasons.

1. Rising Cyber Threats: Cyberattacks are on the rise, and small businesses are often targeted because they tend to have fewer resources dedicated to cybersecurity. Hackers may exploit these vulnerabilities to access sensitive data, which can lead to financial losses, reputational damage, or legal liabilities.

 

2. Data Breaches: If a small business stores personal data (like customer names, addresses, or credit card information), a data breach could be devastating. Cyber insurance can help cover the costs associated with a breach, such as notification costs, legal fees, and regulatory fines.

 

3. Financial Protection: Cyberattacks can result in significant losses due to downtime, loss of revenue, or ransom demands in the case of ransomware. Cyber insurance can help offset these costs and get the business back on track quickly.

 

4. Business Continuity: Cyber incidents, like a malware attack, can disrupt business operations for days or weeks. Cyber insurance can help cover the costs of restoring systems and business operations, reducing the impact on overall profitability.

 

5. Compliance with Regulations: Many industries are subject data protection regulations (like GDPR or HIPAA), and failing to protect customer data can result in fines. Cyber insurance can help cover the costs associated with compliance issues or penalties from failing to meet these standards.

 

6. Legal and Liability Coverage: If customer or client data is compromised, the business could be held legally responsible. Cyber insurance can help with legal defense costs and settlements, protecting the business from financial ruin.

 

7. Reputational Damage: A cyberattack or data breach can seriously damage a small business’s reputation. Cyber insurance can help with public relations efforts, such as communication campaigns to rebuild trust with customers.

 

8. Affordable Protection: While larger companies often have robust cybersecurity teams and resources, small businesses typically cannot afford to invest in expensive cybersecurity measures. Cyber insurance offers a more affordable way to mitigate risks and ensure that the business is protected financially in the event of a breach.

 

In conclusion, cyber insurance helps small businesses manage the financial risks associated with cyber incidents, providing them with the tools they need to recover and continue operations. Given the growing prevalence of cyberattacks, it’s becoming an essential part of business risk management.

Life insurance can provide financial security for your loved ones in the event of your passing. Here are a few key reasons why people typically choose to get life insurance:

1. Financial Support for Dependents: If you have family members who rely on your income, life insurance can ensure they’re financially supported after you’re gone. This could be your spouse, children, or elderly parents.

 

2. Debts and Expenses Coverage: Life insurance can help cover any outstanding debts (mortgage, car loan, credit cards) so your loved ones aren’t burdened with these financial obligations during a difficult time.

 

 

3. Income Replacement: For families who rely on your income, for day-to-day expenses, life insurance can help replace that income, allowing your family to maintain their standard of living.

 

4. Funeral and End-of-Life Expenses: Funerals can be expensive, and life insurance can help cover those costs, reducing the financial strain on your loved ones during an already emotional time.

 

 

5. Estate Planning: Life insurance can be an important part of estate planning, helping to ensure that your heirs receive the full value of your estate, without having to sell assets to cover estate taxes.

 

6. Peace of Mind: Knowing that your family be taken care of financially can offer peace of mind. You can rest easy knowing that they won’t have to worry about money if something happens to you.

 

 

7. Building Cash Value (for certain types of policies): Some life insurance policies, like whole life insurance, build cash value over time that you can borrow against or use for other financial needs.

It’s a personal decision, but life insurance can act as a safety net for your family and loved ones, helping them maintain financial stability in the event of the unexpected.

What are examples of vandalism as it relates to auto insurance?

When it comes to the issue of auto insurance, vandalism refers to the intentional destruction or defacement of a vehicle. Here are some examples:

1. Keying: Scratching the paint or cutting the tires with a sharp object, like a key, leaving deep marks or a full-length scratch.
2. Tire Slashing: Puncturing or cutting the tires of vehicle, making them unroadworthy.
3. Breaking Windows: Shattering or smashing a vehicle’s windows or windshield, either for theft or as an act of malice.
4. Graffiti: Spray-painting or drawing on the vehicle’s exterior.
5. Egging: Throwing eggs at a car, which can damage the paint and finish.
6. Damaging the Body: Bashing the body of the car with an object, such as a hammer or blunt instrument, leading to dents or serious bodily damage.
7. Deflating Tires: Letting the air out of the tires without causing permanent damage.
8. Removing Parts: Taking parts off a car, like side mirrors, antennas, or trim pieces, intentionally damaging or rendering the vehicle unusable.
9. Spilling Substances: Pouring corrosive or damaging substances (like paint, glue, or oil) onto the car’s surface.

If your vehicle is vandalized, comprehensive coverage on your auto insurance policy can help pay for the repair or replacement of the damaged parts. However, the exact coverage may vary depending on the specifics of your policy.

How do I prevent someone from vandalizing my car?

1. Park Smart

• Well-lit areas: Always park in well-lit areas, especially at night. Vandalism tends to happen in dark, isolated spots.
• Cameras: Park near security cameras if possible (like in parking lots with surveillance).
• Avoid risky neighborhoods: If you know certain areas have higher crime rates, avoid parking there.

 

2. Install Security Features

• Car alarms: Having a loud alarm system can deter vandals from messing with your car.
• Surveillance cameras: You can install a small security camera or even a dash cam with parking mode to record any incidents.
• Steering wheel lock: A visible deterrent, like a steering wheel lock may make someone think twice before targeting your car.

 

3. Use Deterrents

• Protective Coatings: Some people apply special paint or vinyl wraps that are harder to damage or remove.
• Anti-theft devices: A wheel lock, car alarm, or even a tracking system can prevent further damage or theft.

 

4. Cover Your Car

• Car covers: A full car cover, especially in a public area, can make it harder for vandals to target your car since they won’t know exactly what’s underneath.
• Tinted windows: Not only does this provide privacy, but it can also make it harder to see inside the car and identify valuables.

 

5. Report and Document Incidents

• If you do experience vandalism, report it immediately to the authorities and take photos. It might not stop the vandalism, but it can help with insurance claims or finding the one responsible if it happens repeatedly.

 

By combining a few of these strategies, you can significantly reduce the likelihood of someone vandalizing your car.

 

 

 

 

Wedding rings can typically be covered under a homeowners insurance policy. However, it’s important to understand the specifics and potential limitations.

Here’s how it works:

1. Scheduled Personal Property (Endorsement/Floaters):

• Most homeowners insurance policies allow you to add valuable items, like wedding rings, as a scheduled personal property endorsement or floater. This provides additional coverage specifically for the rings.
• By scheduling the jewelry, you’re usually covered for a higher amount than the general personal property coverage, which often has a cap for valuables like jewelry.
• This coverage often includes protection against loss, theft, or damage, and you may be able to choose a lower deductible for the added coverage.

 

2. Coverage Under Standard Policy:

• Standard homeowners insurance policies often cover personal property, including jewelry, but typically only for a limited amount. For example, if the ring is lost or stolen, the policy might cover a small percentage of the jewelry’s value (usually around $1,500 or so), which might not be enough to replace high-value wedding rings.
• There could also be limitations regarding theft (for example, it may only cover losses that happen inside your home) or mysterious disappearance (e.g., if the ring simply vanishes without a clear cause).

 

3. Exclusions to Consider:

• Theft outside the home: Many standard policies don’t cover theft or loss of jewelry if it happens outside your home, such as while traveling.
• Accidental damage: Damage caused by accidents (e.g., dropping the ring or scratching it) might not be covered under a basic homeowners policy.
• Higher deductible: The deductible on a general homeowners policy could be higher than what you might pay with a specialized jewelry insurance policy.

 

What You Should Do:

• Get an appraisal: If you plan to add the wedding rings to your homeowners policy, you’ll likely need to get a professional appraisal to determine their value.
• Check your policy limits: Review the coverage limits in your homeowners insurance policy to make sure the coverage is sufficient for the value of your wedding rings.
• Consider a rider: If your wedding rings are of significant value, you might want to add a jewelry rider or floater to your homeowners policy, which provides more comprehensive coverage.

While homeowners insurance can cover wedding rings, it’s important to weigh the limitations and exclusions before relying solely on it. If you’re concerned about more complete protection (such as for accidental damage or loss outside the home), standalone jewelry insurance may be a better option.

 

During extremely cold weather, it’s important to take necessary precautions to keep yourself and your family safe from cold-related injuries like frostbite, hypothermia, and other health risks. Here are some tips to help protect yourself and your loved one:

1. Dress in Layers

• Base Layer: Wear moisture-wicking clothing (like wool or synthetic fabrics) to keep sweat away from your skin.
• Insulating Layer: Add a warm layer like fleece, wool, or down to trap body heat.
• Outer Layer: Chose a windproof and waterproof outer layer to shield from the wind, rain, or snow.
• Accessories: Wear a hat, gloves, scarf, thermal socks, and insulated boots. Mittens are usually warmer than gloves.

 

2. Limit Exposure

• Avoid prolonged time outdoors in extremely cold temperatures, especially during wind chill or when temperatures are below freezing.
• If you have to go outside, take frequent breaks indoors to warm up.

 

3. Stay Dry

• Wet clothing can increase your risk of frostbite and hypothermia. Always stay dry, and if you get wet, change clothes immediately.

 

4. Warm Up Your Home

• Keep your thermostat at a consistent temperature, ideally above 68 degrees Fahrenheit (20 degrees Celsius).
• Use space heaters safely and never leave them unattended.
• Close off rooms you don’t use to conserve heat and keep blankets and extra layers handy.

 

5. Prepare Your Car

• Keep your gas tank at least half full to avoid fuel line freeze.
• Carry emergency supplies such as blankets, gloves, a flashlight, non-perishable snacks, water, and a first-aid kit.
• Ensure your car has winter tires, and check your battery and tire pressure.

 

6. Be Aware of Frostbite and Hypothermia

• Frostbite: Symptoms include numbness, pale or waxy skin, and a tingling feeling. If you suspect frostbite, move to a warm area and gradually warm the affected areas, but don’t rub them.
• Hypothermia: Symptoms include shivering, confusion, slurred speech, and loss of coordination. If someone is showing signs of hypothermia, warm them up gradually, and seek medical help immediately.

 

7. Check on Vulnerable People

• The elderly, young children, and those with chronic health conditions are at higher risk in extreme cold. Check on them frequently to make sure they are warm and safe.

 

8. Avoid Alcohol and Caffeine

• While they may make you feel warm initially, alcohol and caffeine can actually lower your body temperature and impair your ability to stay warm.

 

9. Stock Up on Supplies

• Ensure you have enough food, water, medications, and other essential supplies in case you become stranded or unable to leave your home.

 

10. Stay Informed

• Keep an eye on the weather forecast and be prepared for any sudden changes in conditions. In case of severe cold, follow public safety instructions.

 

By staying warm, dry, and vigilant, you can help reduce the risks posed by extreme cold weather to you and your family. Stay safe out there!

You can definitely make your home look more expensive without breaking the bank! Here are some tips that can give your space a luxurious feel on a budget:

1. Fresh Coat of Paint

• Neutral Tones: Choose soft, neutral colors like beige, soft gray, or off-white. These shades give a clean, upscale vibe.
• Accent Walls: A deep, rich, color like navy blue or charcoal gray can be used as an accent wall to create an elegant focal point.

 

2. Upgrade Your Lighting

• Statement Lighting: Swap out basic light fixtures for something more stylish, like a chandelier or pendant lights. Look for affordable, modern pieces that give off an upscale feel.
• Dimmer Switches: Install dimmer switches for adjustable lighting, which creates a cozy, high-end atmosphere.

 

3. Use Mirrors Strategically

• Large, well-placed mirrors can create the illusion of more space and light, making the room feel grander and more expensive.
• Look for ornate, but affordable, mirror frames to add a touch of elegance.

 

4. Invest in Luxurious Textiles

• Throw Pillows & Throws: Add plush velvet or silk-like fabric pillows and throws on couches or chairs.
• Rugs: A high-quality rug can elevate the whole room. Even an affordable one with a sleek, modern design can look very chic.

 

5. Declutter and Organize

• Keep things neat and minimal. A clean, well-organized space feels more luxurious. Invest in some stylish storage options to keep clutter out of sight.

 

6. Faux or Affordable Art

• Art Prints: Look for prints or posters of famous artwork or sophisticated designs, then frame them with clean, modern frames.
• Gallery Wall: Arrange a collection of frames in various sizes for a curated, gallery-like look.

7. Furniture Arrangement

• Symmetry: Arrange your furniture symmetrically for a balanced and polished look.
• Upgrade with Accessories: Even if your furniture is basic, adding luxe accessories like brass trays, glass vases, or decorative books can instantly elevate the space.

 

8. Add Greenery

• Houseplants can bring life to any room and make it feel more vibrant and expensive. Look for plants that are easy to maintain, like snake plants, fiddle-leaf figs, or peace lilies.

 

9. Replace Cabinet Furniture

• Knobs & Handles: Swapping out old cabinet hardware for sleek, modern ones (think brushed gold, black matte, or chrome) is a small, but impactful upgrade.

 

10. Upgrade Your Bedding

• High Thread Count Sheets: Invest in a nice set of sheets. It can be relatively affordable but gives your bedroom a more luxurious feel.
• Pillows and Bedding Sets: Crisp, coordinated bedding and decorative pillows can make your bed look like it’s straight out of a luxury hotel.

 

11. Add a Feature Wall or Wallpaper

• Wallpaper: Choose a bold wallpaper for one accent wall (even peel-and-stick options can be high-quality and affordable). It can give a room a sophisticated, custom feel.

 

12. DIY Projects for Small Touches

• Decorative Trays or Vases: A stylish tray on your coffee table, or a modern case with fresh flowers, can create a luxury look without spending a lot.

 

Even though these ideas may seem small, the combination of thoughtful touches, organization, and smart upgrades will definitely make your space feel more expensive and refined without breaking the bank!

Home renovations can be an exciting way to improve your home, but they come with risks. Here are some costly renovation mistakes homeowners often make:

1. Underestimating the Budget

• It’s easy to get carried away with design ideas and forget about hidden costs. From unexpected structural issues to changes in the scope of work, these costs can quickly add up. A budget that’s too tight can lead to rushed decisions or unfinished work.

 

2. Ignoring Permits and Zoning Laws

• Skipping the necessary permits or not adhering to local building codes can lead to fines, forced removal of work, or even legal complications. This can be costly and time-consuming to fix.

 

3. Choosing Cheap Contractors

• While it might seem like a way to save money upfront, hiring an unqualified or cheap contractor can result in poor workmanship, delays, and safety issues. It’s better to pay a little more for someone reliable with a proven track record.

 

4. DIY Overconfidence

• Attempting complex tasks without proper skills or knowledge can lead to costly mistakes. For example, electrical, plumbing, and structural work often require professional expertise. If done incorrectly, it can result in even more expensive repairs down the line.

 

5. Not Planning for Future Needs

• Focusing too much on current trends can lead to renovations that don’t suit long-term needs. Consider future resale value, lifestyle changes, and how your needs might evolve in the next few years.

 

6. Over-customizing

• While personal touches make your home unique, over-customizing can make it difficult to sell later on. If you make it too specific to your tastes, potential buyers may not share your vision, which could decrease your home’s value.

 

7. Choosing Aesthetic Over Functionality

• Sometimes, homeowners prioritize looks over practicality. For example, expensive finishes may look great, but they might not be the most durable or functional. Balancing form and function is key for long-term satisfaction.

 

8. Skipping the Design Phase

• Rushing into the renovation without a clear, well-thought-out plan can lead to mistakes during execution. Having a clear design and timeline can prevent mistakes, help with budgeting, and ensure that the project runs smoothly.

 

9. Neglecting to Factor in Hidden Issues

• Older homes, in particular, may have hidden problems like outdated wiring, plumbing, or foundational issues. Failing to address these before starting a renovation can lead to unexpected costs down the road.

 

 

10. Ignoring Energy Efficiency

• Not thinking about energy-efficient upgrades, like windows, insulation, or appliances, can increase your home’s long-term utility costs. This is an investment that pays off in the longer run but is often overlooked.

 

 

11. Not Hiring an Architect for Major Changes

• If you’re planning a big remodel like an open floor plan or moving walls, it’s worth hiring an architect to ensure the changes are structurally sound and aesthetically pleasing. Doing so yourself can cause major issues later on.

 

 

12. Overbuilding for the Neighborhood

• Spending a lot of money on high-end finishes that exceed the average value of homes in your neighborhood can result in an overbuilt home that doesn’t match the market, leading to low returns if you choose to sell.

 

 

13. Not Thinking About Resale Value

• Renovations should take resale value into account, especially if you don’t plan to live in the home forever. Some high-end upgrades may not provide the return on investment you expect, while others (like kitchen or bathroom upgrades) typically offer the best value.

 

14. Not Budgeting for Disruption

• Renovations are messy and disruptive processes. Homeowners often forget to budget for temporary living arrangements, additional time off work, or unexpected delays caused by the renovation process.

 

Being mindful of these common mistakes can help you avoid overspending and ensure your renovation project is a success.

Hardwood floors are popular due to their ability to withstand wear and tear as well as for their aesthetic appeal. However, as with anything in life, attention and care are needed to ensure that your hardwood floors maintain their health over time. Here are a number of habits that homeowners overlook when it comes to maintaining their hardwood floors:

1. Not Using Felt Pads Under Furniture: Dragging furniture across the floor without protective pads can scratch and dent the surface. Always use felt pads under the legs of chairs, tables, and other furniture to avoid this.
2. High Heels and Heavy Shoes: Wearing high heels or heavy shoes with hard soles on hardwood floors can cause dents, scratches, and even cracks. It’s best to avoid wearing such shoes indoors or place rugs in high-traffic areas.
3. Excessive Moisture: Water is one of the biggest threats to hardwood floors. Spills that aren’t cleaned up right away can seep into the wood and cause warping, swelling, or staining. Avoid mopping the floors with excess water or using a wet mop.
4. Cleaning with Harsh Chemicals: Strong chemicals, like ammonia or bleach, can strip the finish of your hardwood floors and cause long-term damage. Always use a cleaner specifically designed for hardwood floors, and follow the manufacturer’s recommendations.
5. Dragging Heavy Items: Lifting furniture and appliances instead of dragging them can prevent gouges and scratches. Dragging large objects like furniture, appliances, or even heavy bags can leave permanent marks on your floor.
6. Not Using Rugs or Mats in High-Traffic Areas: High-traffic zones, like entryways or hallways, can wear down over time if not protected with rugs or mats. These areas are prone to dirt and debris, which can scratch the surface.
7. Ignoring Nail Clippings and Pet Claws: Pet claws and nails, or even human nails, can leave scratches on your hardwood floors. Keeping nails trimmed and checking pets’ claws regularly will help prevent this damage.
8. Not Maintaining the Finish: Over time, hardwood floors lose their shine due to foot traffic, dirt, and natural wear. Not reapplying finish or polish regularly can cause the wood to become more susceptible to damage.
9. Sharp or Heavy Objects: Dropping sharp or heavy objects like tools, kitchenware, or glass items can leave deep scratches or even cracks in the wood. Be mindful of how items are handled and stored in the house.
10. Using Excessive Heat: Using space heaters or placing hot items directly on your hardwood floors can cause the wood to dry out, crack, or fade. It’s important to use coasters or trivets for hot items.

By being aware of these habits, you can take steps to protect and maintain the beauty and longevity of your hardwood floors!

Since the COVID-19 pandemic, insurance companies have made significant adjustments to their policies to accommodate the shift to remote work for business owners and employees. Here are the main ways these changes have manifested:

1. Business Interruption Insurance:

• Coverage Adjustments: Many businesses that had to close their physical locations or reduce operations during the pandemic discovered that their business interruption insurance often didn’t cover pandemics. In response, some insurers have clarified or adjusted their terms, explicitly excluding or including pandemic-related disruptions.
• Remote Work Impact: The trend toward remote work has prompted some insurers to re-evaluate and re-calculate business interruption. If a business continues to operate remotely, the risk factors change (e.g., no foot traffic at physical locations). Insurance policies may have been revised to account for the reduced risk in these situations.

 

2. General Liability Insurance:

• Home Office Liability: As employees began working from home, concerns arose over whether businesses were still liable for incidents that happened at employees’ home offices (e.g., an employee injuring themselves while working). Some insurers extended liability coverage to home offices or added riders to address this change. However, businesses were often required to make adjustments or provide proof of home office conditions to maintain proper coverage.
• Telecommuting Risk: Insurers are now assessing the potential risks associated with employees working from home, particularly around cybersecurity, data breaches, and liability for accidents that occur outside of the traditional office setting.

 

3. Workers’ Compensation Insurance:

• Remote Work and Coverage: One major concern for insurers and employers is whether remote work changes the scope of workers’ compensation claims. If employees are working from home, it’s important to determine if incidents that occur at home (e.g., falls or injuries) are still covered. Many workers’ compensation insurers clarified that as long as employees are performing work-related tasks, injuries occurring at home may still be covered, but some insurers have asked businesses to report remote work arrangements or adjust their premiums.
• Telecommuting Guidelines: Some states and insurers introduced new guidelines or modified reporting requirements to ensure businesses met workers’ compensation obligations when employees worked remotely. Employers were often required to maintain records about the home office setup or specify if the employee’s job was suitable for remote work.

 

 

4. Cybersecurity and Data Protection:

• Increased Focus on Cyber Liability: With the shift to remote work, many employees accessed company data from less secure home networks, increasing the risk of cyberattacks. In response, insurance companies that offer cyber liability coverage began to update their policies, often increasing premiums or offering new coverage for risks associated with remote work.
• Security Measures for Home Offices: Insurers might now require companies to implement specific security measures (like VPNs or employee training on cybersecurity) to mitigate the risks posed by remote work. Some policies may only provide full coverage if a business takes certain precautions.

 

5. Property Insurance:

• Home Office Equipment: As employees moved to remote work, many companies needed to ensure that their property insurance covered office equipment used at home. Insurance companies adjusted their policies to clarify whether home office equipment (computers, office furniture, etc.) would be covered under standard business property policies or if a rider would be necessary.
• Equipment Coverage: Insurance policies have also had to address whether businesses were responsible for replacing office equipment employees used at home if it became damaged or stolen.

 

6. Premium Adjustments and Flexibility:

• Temporary Premium Adjustments: Some insurance providers temporarily reduced premiums or offered rebates during periods of reduced in-person operations (such as during lockdowns). The idea was that less physical business activity led to lower risks and therefore warranted lower premiums.
• Flexible Coverage Options: To better support businesses adjusting to remote work, insurers also began offering more flexible policy options. Some insurers allowed businesses to easily adjust coverage levels or made it easier to switch from traditional office-based policies to ones that cater more to remote or hybrid workforces.

 

7. Employment Practices Liability Insurance:

• Change in Claims: As businesses adapted to remote work, new employee-related claims emerged, such as discrimination, harassment, or wrongful termination in the context of remote working conditions. Some insurers adapted their EPLI policies to address theses changes, either expanding coverage for remote work issues or adjusting exclusions.

 

8. Health Insurance and Employment Benefits:

• Telemedicine and Virtual Health: With the increase in remote work, there was a surge in the use of telemedicine. Many insurance providers adjusted health plans to include or expand coverage for virtual healthcare services. Some companies now provide employees with a broader range of remote healthcare options to maintain well-being during times of isolation.
• Mental Health Coverage: The pandemic also led to heightened concerns over mental health, especially as employees dealt with stress of working from home. Many insurers enhanced mental health coverage and offered more flexible benefits, including virtual counseling.

 

Insurance companies have adapted to the rise of remote work by updating their policies to better address the evolving risks that come with it. Businesses have had to review their coverage options carefully to ensure their employees’ work-from-home situations are fully protected. Insurers have responded with tailored solutions that address the nuances of remote work, from liability to cybersecurity, while offering more flexibility in premiums and coverage adjustments.

 

 

Typically, standard home insurance policies do not cover personal items like eyeglasses unless they are specifically included in the policy’s contents or personal property coverage. However, there are some factors to consider:

1. Personal Property Coverage: This part of your home insurance usually covers damage or loss to items inside your home (e.g., furniture, clothing, electronics). If your eyeglasses are lost or damaged due to a covered event like a fire, burglary, or vandalism, they may be eligible for reimbursement under personal property coverage, subject to the terms and limits of the policy.

 

2. Exclusions: Home insurance policies often exclude specific types of personal property, such as high-value items (e.g., jewelry, electronics, expensive eyeglasses). If you have high-end eye-glasses, they may fall into this exclusion category unless specifically listed as scheduled property.

 

3. Deductible: Even if eyeglasses are covered under your home insurance policy, you would have to pay your policy’s deductible before receiving any reimbursement. If your eyeglasses are inexpensive, it may not be worth filing a claim.

 

4. Additional Coverage: Some policies offer optional add-ons or endorsements that may provide broader coverage for personal items like eyeglasses. You can check with your insurance provider about adding coverage for specific items if needed.

 

5. Alternative Coverage: If your eyeglasses are damaged, lost, or stolen, you might be better off looking into your vision insurance or any warranty the manufacturer or retailer provides for repairs or replacement.

 

To be sure, it’s best to review your specific home insurance policy or contact your insurer directly for clarification regarding coverage for eyeglasses.

Winter presents various challenges with regard to keeping your dogs safe. And the best way to ensure the continued safety and security of your dogs is by being proactive. That means anticipating and managing certain risks.

1. Limit time spent outdoors: Minimize the amount of time your pet spends outdoors, especially during very cold and windy weather. Dogs can suffer from hypothermia and frostbite just like humans.
2. Provide Adequate Shelter: If your dog stays outside, make sure they have a dry, draft-free shelter that is raised off the ground. The shelter should be insulated and small enough to retain your dog’s body heat.
3. Monitor Temperature: Always check the temperature before taking your dog outside. Wind chill can make it feel much colder than the actual temperature.
4. Protect Paws: Snow and ice can accumulate between your dog’s toes and caused frostbite or discomfort. Consider using dog booties or paw wax to protect their paws.
5. Dry Off Thoroughly: After walks or outdoor play, dry your dog off with a towel to prevent them from getting chilled.
6. Adjust Diet: Dogs burn more calories trying to stay warm in the winter, so they may need more food during this time. Consult your vet for advice on adjusting their diet.
7. Watch for Antifreeze: Antifreeze is highly toxic for dogs but has a sweet taste that may attract them. Keep it out of reach and promptly clean up any spills.
8. Keep them Leashed: Frozen bodies of water may appear safe but can be thin ice patches. Keep your dog leashed near bodies of water and avoid letting them walk on frozen ponds or lakes.
9. Grooming: Trim the fur between your dog’s paw pads to prevent ice buildup. However, keep the rest of their coat longer for warmth.
10. Provide Plenty of Water: Dogs can become dehydrated in winter as well as summer. Ensure they have access to fresh water at all times.

 

By being mindful of these potential dangers and taking proactive steps, you can help ensure that your dog stays safe and comfortable throughout the winter months.

 

 

A polar vortex refers to a large, rotating mass of cold air that typically forms near the Arctic. It generally remains over the North Pole, but sometimes it can shift southward, bring extremely cold temperatures to regions far from the Arctic, including parts of North American and Europe. When the polar vortex weakens or splits, it can send frigid air down to lower latitudes, causing significant cold weather events.

To stay safe during extreme cold weather associated with a polar vortex, here are some key tips:

1. Dress Appropriately

• Layer Up: Wear several layers of clothing to trap body heat. Start with moisture-wicking base layers, followed by insulating layers (like fleece or down), and finish with a waterproof, windproof outer layer.
• Cover Extremities: Wear a warm hat, gloves, scarf, and insulated boots. Cover your face, especially your nose and ears, which are most vulnerable to frostbite.
• Avoid Tight Clothing: Tight clothes can restrict blood circulation, which makes it harder to stay warm. Wear looser layers to allow for circulation.

 

2. Limit Time Outdoors

• Stay Indoors: In possible, limit outdoor exposure. If you must go outside, take frequent breaks inside to warm up.
• Know the Wind Chill: Wind chill can make the air feel much colder than the actual temperature. When wind chill drops below -20 degrees Fahrenheit (-29 degrees Celsius), frostbite can develop in less than 30 minutes.

 

 

3. Prepare Your Home

• Insulate Pipes: Prevent pipes from insulating them, especially those in unheated areas like basements or attics.
• Seal Drafts: Ensure your home is properly insulated and that windows and doors and sealed to prevent cold air from entering.
• Stock Up: Have emergency supplies, including blankets, a battery-powered radio, food, and water, in case power outages occur.

 

4. Be Cautious on the Road

• Winterize Your Car: Make sure your car is equipped for winter conditions—check tire tread, fluid levels, and ensure your car has an emergency kit with blankets, food, and a flashlight.
• Drive Carefully: Avoid driving in extreme cold unless absolutely necessary. Roads can be icy, making driving hazardous.

5. Know the Signs of Frostbite and Hypothermia

• Frostbite: Early symptoms include numbness, pale or waxy skin, and a tingling sensation. In severe cases, skin can become hard and purple.
• Hypothermia: Symptoms include shivering, confusion, slurred speech, and drowsiness. If someone shows signs of hypothermia, get them to a warm place immediately and seek medical attention.

 

6. Monitor Weather Alerts

• Stay Informed: Pay attention to weather warnings and advisories for your area. Emergency management agencies will issue warnings about extreme cold or dangerous wind chill factors.

 

By following these precautions, you can stay safe and minimize the risks associated with extreme cold weather brought on by a polar vortex.

Fighting a homeowners insurance non-renewal notice can feel overwhelming, but there are steps you can take to try to reverse the decision. Here’s a guide on how to handle it:

1. Review the Notice: Look carefully at the non-renewal notice you received. It should explain the reasons for the non-renewal. Common reasons include unpaid premiums, changes in risk factors (like claims or the condition of the property), or issues with coverage that violate your policy terms.

 

2. Call Us: Reach out to us to discuss the reason for non-renewal. Sometimes, misunderstandings or clerical errors are the cause, and a quick conversation can resolve the issue.

 

3. Address the Issues:

 

• If the non-renewal is due to unpaid premiums, pay any outstanding balance and request a review of your policy.
• If the non-renewal is because of claims or the condition of the property, ask for clarification and if possible, make the necessary repairs or improvements (like fixing a leaking roof or installing safety measures).

 

4. File a Complaint: If you feel the non-renewal is unfair or unjustified, you can file a complaint with your state’s insurance department. They can investigate the issue and may be able to intervene on your behalf.

 

5. Look for Alternatives: While fighting the non-renewal, it’s also wise to explore other insurance providers. Sometimes, insurers non-renew due to factors that are not within your control (e.g., the risk of natural disasters in your area), and switching insurers may be a better option in the long run.

 

6. Check for Consumer Protections: Some states have laws that restrict insurance companies from non-renewing policies in certain situations (such as after one claim, or after a certain length of time). Look into whether your state has any protections like this.

 

7. Call us to discuss changing your insurance carrier: We are an independent insurance agency, which allows us to work with multiple insurance providers. If you are in a situation where your current insurance provider will not renew your policy, another one of out insurance carriers may be a good option for you.

 

Increasing the resale value of your home is a great way to ensure you get the best return when it’s time to sell. Here are a few strategies that can help:

1. Curb Appeal

First impressions matter, so make sure the exterior of your home is well-maintained. This can include:

• Fresh paint on the front door.
• Clean, manicured lawn and garden.
• Pressure washing the driveway, walkways, and exterior.
• Adding some attractive outdoor lighting or landscaping.

 

2. Renovate Key Rooms

Focusing on areas that buyers tend to care about most can yield a high return on investment.

Consider:

• Kitchen upgrades: New countertops, modern backsplash, updated appliances, or even refinishing cabinets.
• Bathroom improvements: New fixtures, fresh paint, and updated tiles.
• Fresh paint: A new coat of neutral-colored paint throughout the house can instantly refresh the space.

 

3. Improve Energy Efficiency

Energy-efficient homes are increasingly attractive to buyers. Some ways to boost this include:

• Installing new windows.
• Adding insulation where needed.
• Installing smart thermostats or energy-efficient lighting.

 

4. Open Up the Space

If possible, consider removing non-structural walls to create a more open floor plan. Open spaces are very appealing to modern buyers.

 

5. Increase Storage

Storage space is always a selling point. You can:

• Add closet organizers.
• Install shelves in unused spaces like garages or attics.
• Convert basements or attics into livable spaces if feasible.

 

6. Fix Minor Issues

Small, simple repairs can make a big difference:

• Fix leaky faucets, cracks in the walls, or any faulty electrical or plumbing.
• Replace worn-out flooring or carpets.
• Touch up chipped paint or drywall.

 

7. Stage the Home

Consider staging your home to help potential buyers envision themselves living there. Clean and clutter-free spaces are key to making a good impression.

 

 

8. Upgrade the Entryway

The first thing buyers see when they walk in is the entryway. Make sure it’s clean, welcoming, and attractive. You could add a stylish console table or artwork to brighten up the space.

 

 

9. Modernize Lighting

Replace outdated light fixtures with more modern, energy-efficient options. It can make a significant impact on the feel of the home.

 

 

10. Add Smart Home Features

Technology is becoming more important in home buying. Consider adding features like smart locks, cameras, or a smart security system.

 

Taking this steps is a sure-fire way to get you on the road to increasing the resale value of your home!

If you’re having trouble driving at night, it’s important to take steps to ensure both your safety and the safety of others on the road. Here are some things you can do:

1. Ensure Your Eyesight is Clear

• Get an eye exam: Poor vision is a common issue when driving at night. If you haven’t had your eyes checked in a while, schedule an appointment to ensure your vision is up to par.
• Wear corrective lenses if needed: Glasses or contacts prescribed for night driving can help. Consider lenses that reduce glare.
• Keep your windshield clean: A dirty windshield can amplify glare from headlights. Regularly clean both inside and outside the windshield.
• Use anti-glare glasses: These can help reduce the effects of headlights from oncoming vehicles, which can cause discomfort or vision problems at night.

 

2. Improve Vehicle Lighting

• Use your headlights properly: Always use your headlights on low beam in well-lit areas, and switch to high beam when you’re on dark, empty roads (except when there are other cars around).
• Check your headlights: Ensure your headlights are properly aligned, clean, and functioning well. Misaligned headlights can cause reduced visibility or glare.
• Consider upgrading your headlights: If your vehicle has outdated halogen lights, you might benefit from upgrading to brighter LED or HID headlights.

 

3. Drive Slowly and Cautiously

• Increase following distance: At night, your depth perception and peripheral vision are reduced, so give yourself more space between your car and others.
• Reduce speed: You may not be able to see obstacles, pedestrians, or animals as clearly at night. Slowing down allows you more time to react.
• Avoid sudden movements: Because night driving reduces your field of vision, sudden swerves or changes in direction could be dangerous.

 

4. Use Night Driving Aids

• Use fog lights: If it’s foggy or there’s low visibility, fog lights can help. They illuminate the road closer to your vehicle and reduce glare.
• Adjust your mirror: Use the night setting on your rearview mirror to reduce glare from headlights behind you.
• Consider adaptive headlights: Some modern vehicles are equipped with adaptive headlights that automatically adjust the angle based on steering, improving visibility around curves.

 

5. Take Breaks

• Avoid fatigue: Driving while tired can make it more difficult to stay alert at night. Take regular breaks to rest, especially on long trips.
• Share the driving: If you’re traveling with someone else, consider swapping driving duties to avoid getting too tired.

 

6. Consider Avoiding Night Driving if Necessary

• Use alternative transportation: If you feel unsafe driving at night, consider using public transport, rideshare services, or asking someone else to drive.
• Drive only when necessary: If night driving consistently causes you trouble, try to schedule trips during daylight hours when visibility is better.

 

If your trouble with night driving continues despite these efforts, it may be wise to consult a driving instructor or medical professional for further advice.

 

Rent-to-own (RTO) agreements, also known as lease-to-own agreements, allow tenants to rent a property (or other assets like appliances or furniture) with the option to purchase it later. This can be a useful way to gradually build equity or ownership, but it comes with both benefits and potential drawbacks. Here’s what you need to know about rent-to-own arrangements:

1. Basic Structure

• Rental Period: You rent the property or item for the a specified period (usually 1 to 3 years).
• Option to Buy: At the end of the lease, you have the option to buy the property or item at a predetermined price. This price may be fixed or based on an appraisal.
• Rent Payments: Part of the rent payments may go toward the eventual purchase price, building equity over time.
• Option Fee: You often pay a one-time, non-refundable option fee upfront. This fee can be credited toward the purchase price if you decide to buy, but it is typically lost if you choose not to purchase.

 

2. Pros of Rent-to-Own

• Build Credit and Savings: If you’re unable to secure financing for a home or other items upfront, an RTO agreement lets you rent while saving money for a down payment or improving your credit score.
• Lock in a Purchase Price: By agreeing on a purchase price at the start, you can potentially benefit if the market value of the property or item increases.
• Test Before You Buy: Renting-to-own allows you to live in a home or try out an item before fully committing, giving you time to ensure it’s right for you.

 

3. Cons of Rent-to-Own

• Higher Rent Payments: Rent may be higher than a standard rental, as part of the payment is going toward the eventual purchase.
• Non-Refundable Fees: The upfront option fee and any rent premium paid towards the purchase are usually non-refundable. If you decide not to buy, you lose that money.
• Risk of Loss: If you decide not to buy or can’t afford to purchase at the end of the lease term, you could lose the property or asset along with any money paid toward it.
• Maintenance Responsibilities: In may RTO agreements, the renter may be responsible for maintaining the property or asset, which can be an added financial burden.
• Market Fluctuations: The agreed-upon purchase price might end up being higher than the market value if property values decline or if the item becomes outdated.

 

4. Important Considerations

• Option to Purchase: Always check the details of the option to buy. Understand whether the purchase price is fixed or if it can be changed based on market conditions or other factors.
• Length of Agreement: The length of the lease is important because it impacts how much you can save for the eventual purchase and the final purchase price.
• Ownership Rights: Clarify whether you have the right to make modifications to the property or asset and whether it’s considered “yours” during the lease.
• Legal Advice: It’s wise to have a lawyer review the agreement to ensure the terms are fair, especially regarding the option fee, rent credits, and the final purchase price.

 

5. Alternatives

• Traditional Rental: Renting without a commitment to buy gives you flexibility and fewer risks, but you won’t build equity or own the property.
• Government Programs: There are homebuyer programs for first-time buyers that may offer more favorable terms than a rent-to-own contract.
• Lease Purchase vs. Rent-to-Own: A lease purchase is a slightly different model where you are obligated to purchase the property at the end of the lease. In contrast, rent-to-own gives you the option, not the obligation, to buy.

 

6. Who Should Consider Rent-to-Own?

• People with Credit Issues: Rent-to-own is a potential option for individuals with poor credit or insufficient savings to buy a home outright but who are confident that the can secure financing in the future.
• Uncertain About Long-Term Commitment: Rent-to-own can be useful for those unsure if a home or item is right for them in the long run.
• Those Who Need Time to Save: Rent-to-own arrangements can give you the time to save for a larger down payment or make improvements to your credit score.

 

To summarize, rent-to-own can be a good option for those who want to own but aren’t ready financially or credit-wise yet, but it’s important to fully understand the terms and risks involved.

 

 

Preparing and cooking enough food safely for company during the holidays involves planning, organization, and following proper food safety guidelines. Here’s a step-by-step guide to ensure that your holiday cooking goes smoothly and safely:

1. Plan Your Menu in Advance

• Choose recipes you can make ahead of time: Consider making dishes that can be prepped a day or two in advance to reduce last-minute stress.
• Consider dietary restrictions: Ask guests about any food allergies or preferences (e.g., vegetarian, gluten-free, etc.).
• Make a shopping list: List all ingredients for each recipe and check your pantry to avoid duplicate purchases.

 

2. Calculate Portions

• Estimate Servings: A good rule of thumb is to allow around 1 to 1.5 servings per person for main dishes, an ½ to 1 serving for appetizers and sides.
• Don’t forget dessert: Plan enough to offer a variety of sweet treats and extra servings.

 

3. Food Safety: Thaw and Store Properly

• Thaw frozen foods safely: If you’re preparing dishes in advance, be sure to thaw frozen meats in the refrigerator, not at room temperature. If cooking in bulk, consider using a cooler or refrigerator space to store items.
• Cool leftovers quickly: After the meal, refrigerate leftovers within 2 hours to prevent bacteria growth. Divide large quantities into smaller containers for faster cooling.

4. Use Separate Utensils and Cutting Boards

• Avoid cross-contamination: Have separate cutting boards for raw meats and other ingredients (like vegetables) to prevent cross-contamination.
• Wash hands frequently: Wash your hands after touching raw meat, seafood, or eggs, and before handling ready-to-eat foods.

5. Cook at the Right Temperatures

• Use a food thermometer: This ensures that your meats and poultry are cooked to safe temperatures. The following are minimum safe temperatures:
  • Poultry (whole or ground): 165°F (74°C)
  • Ground meats (beef, pork, lamb): 160°F (71°C)
  • Beef, lamb, or pork steaks/roasts (medium rare): 145°F (63°C)
  • Fish and seafood: 145°F (63°C)
  • Casseroles and leftovers: 165°F (74°C)
• Don’t partially cook meat: If you’re preparing food ahead of time, fully cook it, and then reheat safely later.

6. Serve and Store Leftovers Safely

• Keep hot foods hot: Use chafing dishes, slow cookers, or warming trays to keep hot food at 140°F (60°C) or above.
• Keep cold foods cold: Ensure cold dishes stay at 40°F (4°C) or below, using coolers or ice packs if necessary.
• Label leftovers: Clearly mark containers with the date, and consume them within 3-4 days. If you won’t use them quickly, freeze them.

7. Time Management

• Cook in stages: Prepare as much as possible the day before. For example, chop vegetables, make sauces, or assemble casseroles. On the day of the gathering, focus on cooking the main dishes and heating up pre-prepared sides.
• Use your oven space wisely: If you need to cook multiple dishes in the oven, consider cooking items at different temperatures that can be adjusted without compromising the dish (like 350°F for most items).

8. Have Plenty of Storage and Serving Containers

• Invest in food storage containers: For storing leftovers or keeping dishes organized for reheating. Label and date them for easy identification.
• Consider disposable serving trays and platters: These can help reduce cleanup, especially if you’re cooking for a large group.

9. Delegate if Possible

• Ask for help: If you have family or guests who enjoy cooking, ask them to bring side dishes or appetizers. This can reduce the workload on the day of the event and help ensure a variety of flavors.

10. Keep a Clean Work Area

• Clean as you go: This helps avoid cross-contamination and keeps your kitchen safe and tidy. Make sure to wipe down surfaces after prepping raw ingredients like meat.

11. Be Prepared for Unexpected Issues

• Have backups: If you’re preparing multiple dishes, have a backup plan in case something doesn’t turn out as expected.
• Be ready for emergencies: Keep a first aid kit on hand, and know how to handle burns, cuts, or other kitchen mishaps.

By following these tips, you can ensure that your holiday meal is prepared safely and that your guests will enjoy a delicious, stress-free feast.

 

The coming new year is always a time when people feel inspired to assess their accomplishments of the previous year and to see how they can make improvements to their moving forward. From traveling more to getting into the best physical shape of your life, the ideas certainly can make up a long list. But, when was the last time you thought about your insurance coverage? Are you sure that you have enough in place? What if something disastrous happens? Will you be covered? Are your current coverages sufficient enough to cover the damages? Now may be a good time to consider giving us a call!

1. Review and Update All Policies

• Why: Over time, your life circumstances (new job, home purchase, family changes) may affect your insurance needs.
• Action: Make it a habit to review your auto, home, life, and health insurance policies annually. Ensure that your coverage amounts are still appropriate and that you’re not overpaying for unnecessary coverage.

 

2. Increase Your Deductibles to Save Money

• Why: Higher deductibles generally result in lower monthly premiums.
• Action: If your financial situation allows for it, consider increasing your deductibles to save on premiums. Just make sure you can afford the higher deductible in the event of a claim.

 

3. Add or Review Supplemental Insurance

• Why: Sometimes, basic coverage isn’t enough for certain needs.
• Action: Look into adding supplemental policies like disability insurance, critical illness insurance, or an umbrella policy if you think additional protection is needed.

 

 

4. Ensure You Have Enough Life Insurance

• Why: Life insurance should reflect the current needs of your family and dependents.
• Action: If you’ve had major life changes (e.g. marriage, children, or a home purchase), review your life insurance policy to ensure it’s adequate.

 

 

5. Focus on Preventative Health Measures

• Why: Good health insurance can be more affordable and valuable when used for preventative care.
• Action: If you have health insurance, make sure you take advantage of preventative care benefits. Staying healthy can help reduce overall healthcare costs and premiums.

6. Set a Goal for Claims-Free Status

• Why: Maintaining a claims-free status can lead to discounts and fewer premium increases.
• Action: Try to minimize accidents or damages, and avoid unnecessary claims to keep your rates low.

 

7. Read and Understand Your Policies More Thoroughly

• Why: Knowing the ins and outs of your coverage will help you make informed decisions.
• Action: Take time to carefully read your policy documents and learn about your coverage limits, exclusions, and claims process.

 

8. Consider an Umbrella Insurance Policy

• Why: It offers extra liability coverage beyond your home and auto insurance, which can be beneficial for unexpected situations.
• Action: Research whether an umbrella policy fits your needs for an extra layer of financial protection.

 

9. Assess Your Auto Insurance Coverage

• Why: Driving habits, the type of car you own, and even the area in which you live can influence how much coverage you need.
• Action: Reevaluate your auto insurance limits, considering factors like commute distance, vehicle value, and driving history.

 

Making a resolution to stay on top of your insurance ensures you’re both financially protected and not overpaying for your insurance.

When hosting a party for your office, there are several risks you should consider to ensure the event runs smoothly and professionally. Here are some risks to keep in mind:

1. Alcohol Consumption:

• Risk: Overconsumption can lead to inappropriate behavior, accidents, or legal liability.
• Mitigation: Consider having a drink limit, offering non-alcoholic beverages, or using a professional bartender to monitor consumption.

 

2. Workplace Relationships:

• Risk: Office parties can blur personal and professional boundaries, potentially leading to uncomfortable interactions or conflicts.
• Mitigation: Set clear expectations about appropriate behavior, and ensure the atmosphere remains respectful and inclusive.

 

 

3. Discrimination and Harassment:

• Risk: Inappropriate comments, behavior, or jokes can lead to claims of discrimination or harassment.
• Mitigation: Foster an inclusive environment and set ground rules for respectful interaction. Make sure employees know how to report any concerns.

 

 

 

4. Safety Concerns:

• Risk: Attendees might drink too much, engage in risky behaviors, or even drive under the influence.
• Mitigation: Arrange for transportation options, such as taxis, ride-shares, or designated drivers, and ensure the venue is safe and accessible.

 

5. Legal Liabilities:

• Risk: Depending on your location, your company could be held liable for accidents or incidents at the event.
• Mitigation: Consider insurance coverage for events and consult with your company’s legal department for any potential risks.

 

 

6. Health Concerns:

• Risk: Illnesses can spread, especially if the party is indoors and in close quarters. This is particularly important if employees have health vulnerabilities.
• Mitigation: Ensure that hygiene and safety protocols are followed, especially if food is served, and consider any ongoing health advisories.

 

7. Disruptions:

• Risk: Parties can sometimes be too loud, leading to complaints from neighbors or other office members.
• Mitigation: Choose a venue with soundproofing or hold the event in a designated party space where noise won’t be an issue.

 

8. Logistical Failures:

• Risk: Poor planning can lead to food shortages, issues with the venue, or disorganization.
• Mitigation: Confirm all details in advance, such as catering, transportation, and the venue’s capacity.

 

 

9. Budget Overruns:

• Risk: Costs for the event can spiral if not properly managed.
• Mitigation: Stick to a budget and plan for all potential expenses, including hidden costs like gratuities or unexpected rentals.

 

10. Cultural Sensitivity:

• Risk: Certain themes, food, or activities might unintentionally offend attendees.
• Mitigation: Be mindful of cultural, religious, and dietary differences among attendees when planning the event.

 

By considering these risks and taking proactive steps, you can ensure your office party is fun, safe, and professional.

It’s always a good idea to be prepared for unexpected situations when you’re on the road. Here’s a comprehensive list of emergency supplies you should keep in your car:

Essential Tools & Equipment

1. Spare Tire, Jack, and Lug Wrench – In case you get a flat
2. Tire Pressure Gauge – To ensure your tires are properly inflated.
3. Jumper Cables – For starting a dead battery.
4. Tow Rope or Tow Strap – Useful if you need t o be pulled out of a tough spot.
5. Road Flares or Reflective Triangles – To signal for help or mark your location if you’re stuck.
6. Flashlight (with extra batteries) – To see and be seen in the dark.
7. Basic Tool Kit – Screwdrivers, pliers, tape, utility knife, and adjustable wrench for small repairs.
8. Duct Tape – For temporary fixes of broken parts or leaks.
9. Multi-tool or Swiss Army Knife – Versatile for various tasks.

Safety & First Aid

1. First Aid Kit – Includes bandages, antiseptic, gauze, pain relievers, tweezers, and any personal medications.
2. Seatbelt Cutter and Window Breaker – A specialized tool emergencies in the event of an accident.
3. Fire Extinguisher – A compact, car-rated fire extinguisher.
4. Blanket or Emergency Space Blanket – To keep warm in case you’re stranded.
5. Work Gloves – To protect your hands while handling debris, tools, or doing any repairs.
6. Whistle – For signaling for help if you’re stranded.

Food & Water

1. Bottled Water – At least a couple of bottles to stay hydrated.
2. Non-perishable Snacks – Granola bars, nuts, or energy bars to keep your energy up if you’re stranded.
3. Electrolyte Drink Mix – In case you need to rehydrate after a long wait.

Weather Protection

1. Rain Poncho or Waterproof Gear – Stay dry during unexpected rain.
2. Sunscreen – For protection if you’re stranded in the heat.
3. Hand Warmers – Small, disposable warmers for cold weather.
4. Shovel – A small foldable shovel can help dig out snow or mud if you’re stuck.

Navigation & Communication

1. Portable Phone Charger (Power Bank) – Keep your phone charged in case you need it for emergencies.
2. Car Charger for Your Phone – In case your phone is running low on battery.
3. Paper Map or Atlas – a backup in case GPS fails.
4. Pen and Paper – For leaving notes or writing down important information.

Personal & Comfort Items

1. Spare Clothes – An extra set of clothes, especially socks and underwear, in case of an emergency.
2. Sanitary Supplies – Wet wipes, hand sanitizer, and tissues for hygiene.
3. Trash Bags – To keep your car clean and dispose of waste properly.

Special Considerations

• Seasonal Items: If you’re in a cold region, you might want to add a bag of sand or kitty litter (for traction on ice), a snow brush, or ice scraper. If you’re in a hot region, you may need a sunshade for the windshield to keep your car cooler.
• Car Documentation: Keep your car insurance, registration, and emergency contact information in a small folder or zippered pouch.

Optional but Useful

1. Emergency Sleeping Bag or Tent – If you’re traveling in a remote area.
2. Portable Stove or Cooking Gear – For extended emergencies, especially on long road trips.
3. Hand Crank Radio – To listen for weather updates or news if you’re stranded for a while.

 

Keeping these items in your car can make a big difference in an emergency, and it doesn’t take up much space. Be sure to check your supplies regularly to ensure everything is in good working order, especially batteries, food, and water!

 

Cooking in the kitchen can be fun and rewarding, but it’s important to keep safety in mind to prevent accidents and injuries. Here are some essential safety tips for cooking:

1. Keep the Kitchen Clean and Organized

• Clean spills immediately: To prevent slips and falls, wipe up water, oil, or food spills as soon as they happen.
• Organize tools and ingredients: Keep knives, utensils, and cookware in designated places to avoid accidents when reaching for them.

 

2. Be Mindful With Knives

• Use the right knife for the task: Using the proper size and type of knife reduces the risk of accidents.
• Cut on a stable surface: Use a cutting board that doesn’t slip. If needed, place a damp cloth underneath it for extra stability.
• Store knives safely: Keep knives out of children’s reach and store them in a knife block or on a magnetic strip.

 

3. Handle Hot Pots and Pans Carefully

• Use oven mitts or potholders: Always protect your hands when handling hot cookware, especially when taking it in or out of the oven.
• Turn handles inward: Avoid leaving pot handles sticking out where they can be knocked over or grabbed by children.
• Check oven mitts for damage: Ensure they’re dry and intact before use to avoid burns.

 

4. Prevent Burns and Fires

• Stay alert while cooking: Never leave cooking food unattended, especially when using oil or high heat.
• Keep flammable items away from the stove, oven, or toaster.
• Use the back burners: If cooking with pots and pans, use the back burners whenever possible and turn the handles inward to avoid accidents.

 

 

5. Avoid Cross-Contamination

• Separate raw and cooked foods: Keep raw meats, poultry, and seafood separate from ready-to-eat foods.
• Wash hands and utensils: Wash your hands before and after handling raw meat, and always clean cutting boards and utensils between tasks.
• Use different cutting boards: If possible, use separate boards for meat, vegetables, and other foods.

6. Handle Electrical Appliances with Care

• Check cords: Ensure that electrical cords are in good condition and never immerse them in water or leave them near water sources.
• Unplug when not in use: Always unplug appliances like blenders or toasters when not in use or when cleaning them.
• Use appliances according to instructions: Follow the manufacturer’s instructions to avoid malfunctions and accidents.

 

 

7. Store Food Properly

• Refrigerate promptly: Store perishable food in the refrigerator or freezer within two hours of cooking to prevent foodborne illness.
• Check expiration dates: Regularly check the pantry and fridge for expired items to avoid using spoiled ingredients.

 

8. Be Cautious with Chemicals

• Store cleaning supplies safely: Keep cleaning products, such as bleach and disinfectants, away from food and children.
• Ventilate when using harsh cleaners: Always ensure good ventilation when using chemicals to clean the kitchen.

 

9. Teach Kids About Kitchen Safety

• Supervise young children: Children should never be left alone in the kitchen, especially when cooking or using hot surfaces.
• Teach them the dangers: Explain the risks of sharp objects, hot surfaces, and electrical appliances to older children.

 

10. Know First Aid Basics

• Learn how to treat burns and cuts: Familiarize yourself with basic first aid in case of an accident. Know how to treat a minor burn or cut until professional medical help is available.

 

By following these safety tips, you can ensure a safer and more enjoyable cooking experience in the kitchen.

Protecting your small business from winter hazards is essential to ensure smooth operations, safeguard employees and customers, and minimize financial losses. Here are some key steps you can take:

1. Winterize Your Building and Property

• Inspect Insulation: Ensure your building’s insulation is adequate to prevent pipes from freezing, reduce heating costs, and maintain comfort.
• Check Heating Systems: Service your heating system to ensure it’s working properly. Replace filters, check for leaks, and keep thermostats at appropriate temperatures.
• Clear Gutters and Roofs: Prevent ice dams by cleaning gutters and downspouts. If your building has a flat roof, ensure it’s cleared of heavy snow to prevent collapse.
• Seal Windows and Doors: Caulking or weather-stripping doors and windows can help keep cold air out and reduce heating costs.

 

2. Prepare for Slips, Trips, and Falls

• De-Ice and Salt Walkways: Stock up on salt, sand, or other de-icing materials and regularly apply them to your walkways, parking lots, and stairs.
• Keep Pathways Clear: Ensure that pathways around your business are clear of snow and ice, especially near entrances, parking lots, and loading docks.
• Use Mats and Rugs: Place mats at entrances to reduce indoor slipping hazards. Consider using anti-slip mats in areas prone to moisture.
• Warning Signs: Post signs warning customers and employees about slippery surfaces.

 

3. Prepare for Power Outages

• Backup Power: Consider installing a generator, especially if you rely on equipment that could be affected by a power outage (e.g. refrigeration, lighting, heating).
• Emergency Lighting: Make sure you have backup emergency lighting for your business in case of power failure.
• Power Surge Protection: Protect your electronic equipment and computers with surge protectors to prevent damage from power fluctuations.

 

4. Review Your Insurance Coverage

• Winter Storm Damage: Make sure your business property insurance covers snow, ice, and wind damage, such as roof collapse, water damage, or broken windows.
• Liability Insurance: Review your liability insurance to ensure it covers injuries from slips and falls on your property.

 

5. Prepare Employees for Winter Conditions

• Snow Day Policy: Set clear expectations for employees on how to handle snow days or late arrivals due to weather conditions, and communicate how closures or delays will be handled.
• Dress Appropriately: Encourage employees to dress warmly if they work outside, and ensure they have access to protective gear like gloves and boots.
• Training on Hazard Prevention: Provide training on how to recognize and avoid potential winter hazards, including how to clear ice, drive safely in snow, and handle equipment in cold temperatures.

 

6. Maintain Inventory and Equipment

• Stock Up on Essentials: Ensure you have enough de-icing materials, fuel for heating or generators, and any other winter-specific supplies for your business operations.
• Check Equipment: Make sure all equipment, including snowplows, heaters, and backup generators, is in good working order.
• Protect Outdoor Equipment: If you have equipment stored outside, make sure it’s properly covered or stored indoors to prevent damage from snow and ice.

 

7. Communication and Customer Service

• Notify Customers of Closures or Delays: Keep your customers informed of any changes to business hours or closures due to winter weather via your website, social media, or email newsletters.
• Provide Remote Service Options: If possible, offer online services or remote customer support if bad weather affects in-person visits.

 

8. Plan for Winter-Related Emergencies

• Emergency Kits: Keep an emergency kit on hand with basic supplies like flashlights, batteries, a first-aid kit, blankets, non-perishable food, and water.
• Emergency Contacts: Have a list of contacts for emergency repair services (e.g. plumbers, electricians, snow removal services) to address issues quickly.

 

By taking these proactive measures, you can help ensure that your business is prepared for the challenges that winter may bring, keeping your employees safe and your operations running smoothly.

A lienholder is a person or entity that has a legal right or claim on a property or asset, typically because they have provided financing or a loan for it. The lienholder’s interest in the property serves as collateral for the debt owed.

Here are a few common situations where lienholders are involved:

1. Car Loans: If you finance a car, the bank or lender that provides the loan is the lienholder. They hold a lien on the car, meaning they have the right to take possession of it if you fail to repay the loan.
2. Mortgage Loans: In real estate, the lender who provides a mortgage loan is the lienholder. They have a legal right to foreclose on the property if the borrow defaults on the mortgage payments.
3. Mechanic’s Liens: In construction, a contractor or subcontractor who has not been paid for their services may place a lien on the property until they are compensated.

In all these cases, the lienholder’s claim is typically registered with the appropriate government authority (such as the county or state), and it must be satisfied before the borrower can sell or transfer ownership of the property.

What are the requirements to satisfy a lienholder with regard to car insurance?

When you have a car loan and a lienholder (usually the lender or the bank) is involved, there are specific requirements for car insurance that you must meet to protect both your interests and theirs. These requirements ensure that the vehicle is adequately insured in case of an accident, theft, or damage. Here are the general requirements that most lienholders impose regarding car insurance:

1. Comprehensive and Collision Coverage

• Lienholders often require you to carry full coverage, which typically includes both comprehensive and collision insurance:
• Comprehensive coverage protects against non-collision events such as theft, vandalism, fire, or weather-related damage.
• Collision coverage pays for damage to your car caused by a collision, regardless of who is at fault.

Liability insurance (which covers injuries or property damage you cause to others) is required by law in most states but does not protect your own vehicle. Lienholders will generally require the additional full coverage to protect the collateral (your car).

2. Minimum Coverage Limits

• Your lienholder may specify minimum coverage limits for both comprehensive and collision insurance. This ensures that the vehicle’s value is covered in the event of a loss.
• The lienholder may also require a deductible limit, meaning they may specify the maximum deductible amount you can have before the insurance kicks in.

 

3. Proof of Insurance

• Lienholders will require proof of insurance (often an insurance card or a certificate) to ensure you meet the insurance requirements. If you don’t provide this proof, they may purchase insurance on your behalf, which may be more expensive.
• This proof must be submitted to the lienholder, often at the time of purchase and periodically thereafter (e.g. annually when renewing your policy).

 

4. Maintain Insurance Throughout the Loan Term

• The lienholder will require that you maintain insurance coverage for the entire duration of the loan. If your policy lapses or is canceled, they may have the right to purchase a more expensive force-placed insurance policy to protect their interest in the vehicle. You may be responsible for the cost of this insurance.

 

 

5. Notify the Lienholder of Changes

• You may be required to notify the lienholder if there are any changes to your insurance policy, such as a change in coverage, a change in the insurance provider, or if you switch to a policy with a different deductible or coverage limit.

 

6. Gap Insurance (Optional But Recommended)

• While not always a requirement, some lienholders may suggest or recommend gap insurance, especially if the car is new or has a significant loan balance. Gap insurance covers the difference between what you owe on the car and the actual cash value (ACV) of the car if it’s totaled. This is particularly important if the car’s value depreciates quickly.

 

7. No Lapse in Coverage

• Lienholders typically require that your insurance policy is active at all times, and if you cancel or let your policy lapse without proper replacement, they may have the right to secure a policy on your behalf to protect their financial interest in the car.

 

Summary of Typical Requirements:

• Full coverage (comprehensive + collision) insurance.
• Minimum deductible as specified by the lienholder.
• Proof of insurance provided to the lienholder.
• Maintain coverage for the life of the loan.
• Notify the lienholder of any policy changes.
• Optional gap insurance for additional protection.

 

Meeting these requirements ensures that both your car and the lender’s financial interest are protected, and it helps you avoid penalties or forced insurance coverage that can be expensive. Always check your loan agreement for specific insurance requirements, as they can vary depending on the lender.

 

Buying a new car is not always a simple process. There are a lot of different factors that go into making the decision on which car you should purchase. Everything from color, fuel economy, price, condition, to the quality of the stereo system, it’s definitely an important decision you will make. But, how do you know if the car you purchased is covered under your current auto insurance policy?

Whether your new car is covered under your auto insurance policy depends on several factors:

1. Types of Coverage:

• Comprehensive and Collision Coverage: If you have comprehensive or collision coverage on your existing car, those coverages might extend to your new car for a short period. Most insurance policies offer a grace period (typically 14-30 days) after purchasing a new vehicle. During this period, your insurer will often automatically extend your existing coverage to the new car.
• Liability Coverage: If you only have liability insurance, it may not automatically extend to the new car. Liability insurance typically covers damage to other people and their property, not your own vehicle.

 

2. Insurance Company Policy: Every insurer has different rules about coverage for newly acquired vehicles. Some may automatically extend coverage, while others may require you to notify them about the new car right away.

 

3. State Requirements: Insurance requirements and rules can vary depending on the state where you live, so it’s important to verify what applies to your specific situation.

 

What You Should Do:

• Check with Your Insurer: It’s a good idea to contact your insurance company as soon as possible to confirm whether your new car is covered and for how long.
• Update Your Policy: Once you confirm the coverage, you’ll need to add the new car to your policy officially, especially if you need to adjust the coverage limits or add additional protections (e.g. gap insurance, comprehensive, or collision coverage).

If you’re unsure about your current coverage or need help navigating the details, give us a call at 301-948-2010.

Deciding whether to repair or replace your roof can depend on several factors. Here are some signs to help you determine the best course of action for you:

Signs You Might Need a Repair:

1. Localized Damage: If you have a small area of missing or damaged shingles, a repair might suffice.
2. Leaking: If you notice a leak but it’s isolated to a specific area, it could be fixable.
3. Granule Loss: Some granule loss is normal, but if it’s concentrated in one area, a repair may be enough.
4. Age of Roof: If your roof is relatively young (less than 15 years old), repairs might be more feasible.

Signs You Might Need a Replacement

Age: If your roof is nearing or over its expected lifespan, (typically 20-25 years for asphalt shingles), consider replacement.

Extensive Damage: If there are widespread issues like multiple leaks, curling, or missing shingles, replacement may be necessary.

Sagging Roof Deck: A sagging roof could indicate structural issues that require a full replacement.

Moss or Algae Growth: Significant growth can indicate moisture retention, potentially leading to further damage.

Increased Energy Bills: If your energy costs are rising, it might indicate inadequate insulation or ventilation in the roof.

Additional Considerations:

• Cost: If repair costs approach or exceed 50% of the replacement cost, it’s usually better to replace.
• Future Plans: If you plan to stay in your home long-term, investing in a new roof might be more beneficial.

When it doubt, it’s always a good idea to consult with a professional roofer who can assess your specific situation.

Determining how much car insurance is enough depends on several factors, including your state’s minimum requirements, your personal assets, and your driving habits. Here are some key points to consider:

1. State Requirements: Each state has minimum liability coverage limits. Ensure you meet or exceed these requirements.
2. Liability Coverage: Consider higher liability limits to protect your assets. Many experts recommend at least $100,000 per person and $300,000 per accident for bodily injury, along with $100,000 for property damage.
3. Collision and Comprehensive: If your car is newer or worth a significant amount, collision and comprehensive coverage can be important. This covers damages to your own vehicle from accidents, theft, or natural disasters.
4. Personal Assets: If you have substantial savings or property, higher liability limits can help protect those assets in case of a lawsuit.
5. Uninsured/Underinsured Motorist Coverage: This is important in case you’re in an accident with someone who doesn’t have sufficient insurance.
6. Deductibles: Choose a deductible amount that you can comfortably pay out of pocket in the event of a claim.
7. Your Driving Habits: If you frequently drive in high-traffic areas or have a long commute, you might want more coverage.
8. Financial Situation: Assess what you can afford in premiums versus the potential costs of an accident.

We understand that not everyone’s situation is the same, so call us at 301-948-2010 and one of our experienced insurance professionals will happily discuss any questions or concerns you may have regarding your insurance coverages.

What are French Drains?

French drains are a type of drainage system designed to redirect water away from an area, helping to prevent flooding and water damage. They consist of a trench filled with gravel or rock that contains a perforated pipe at the bottom.

Here’s how they work:

1. Water Collection: The perforated pipe collects water from the surrounding soil.
2. Gravel Layer: The gravel allows water to flow freely while filtering out large particles, preventing clogging.
3. Drainage: The collected water is directed away from the area—such as a basement or foundation—toward a designated drainage point, like a dry well or storm sewer.

You might need a French drain if you notice the following signs:

1. Water Pooling: If you have areas in your yard where water tends to pool after heavy rain, a French drain can help redirect that water.
2. Basement or Foundation Moisture: Signs of moisture in your basement or around your foundation, such as damp walls, mold growth, or water stains, indicate that you may need better drainage.
3. Wet or Soggy Soil: If your hard remains consistently soggy or muddy, particularly after rainfall, a French drain can help manage excess water.
4. Flooding During Heavy Rain: If your property experiences flooding during storms, especially near your foundation, a French drain may be a suitable solution.
5. Waterlogged Gardens: If your garden plants are struggling due to overly wet conditions, a French drain can help improve drainage and promote healthier growth.

Installing a French drain involves several steps. Here’s a general overview:

1. Planning and Design:

• Determine where the water is pooling and where you want to direct the drainage.
• Mark the intended path of the drain.

2. Digging the Trench:

• Dig a trench about 6 inches wide and at least 18 inches deep (the depth may vary based on local conditions).
• The trench should have a slight slope (typically 1% grade) to ensure proper drainage.

3. Adding Gravel:

• Place a layer of gravel (about 2-3 inches) at the bottom of the trench. This layer helps with water filtration.

4. Installing the Pipe:

• Lay a perforated pipe in the trench, holes facing down. This allows water to enter the pipe easily.
• Ensure the pipe slopes toward the drainage point.

5. Covering the Pipe:

• Add more gravel to the top of the pipe until it’s covered, leaving a couple of inches for soil or landscaping.
• This gravel layer prevents soil from entering the pipe and helps with drainage.

6. Final Layer:

• Add a layer or landscape fabric over the gravel to keep soil out while allowing water to flow through.
• Fill the trench with soil or sod to restore the surface.

7. Redirecting Water:

• Ensure the end of the drain pipe directs water to a suitable outlet, like a dry well, storm sewer, or away from the foundation.

Halloween is a long-standing American tradition. For one night, children get to pretend to be their favorite superheroes, fighting crime deep into the night. No matter what costume they put on, parents get to make lasting memories with their little ones.

While Halloween should be a fun, safe experience for everyone, one most always be aware of those looking to cause problems and mischief. That’s why it’s important to inspect your child’s candy after they are finished Trick-or-Treating.

Ensure that your child’s Halloween candy is safe for by following these simple steps:

1. Inspect Packaging: Check for any signs of tampering , such as torn or unwrapped packages. Discard anything that looks suspicious.
2. Avoid Homemade Treats: Stick to store-bought candies. Homemade treats can pose risks, as you can’t guarantee their safety.
3. Check Allergens: Be mindful of common allergens like nuts, dairy, and gluten. Consider offering allergen-free options for kids with sensitivities.
4. Age-Appropriate Choices: Provide candies suitable for the age group of trick-or-treaters. Avoid hard candies or items hat could be choking hazards for young children.
5. Storage: Keep the candy in a cool, dry place away from pets and pests until it’s time to hand it out.
6. Educate Children: Remind kids to only eat candy from trusted sources and to check with adult before eating anything they’re unsure about.
7. Know Your Neighbors: If you’re in a community with trusted neighbors, you might feel more comfortable accepting treats from them.

By following these steps, you can help ensure a safe and enjoyable Halloween for everyone!

A home inventory is a detailed, organized list of all the possessions in your home. It includes information about each item, such as:

Description: What the item is (e.g., oak dining table”).

Brand/Model: For items where this is relevant (e.g. “Sony TV model XYZ123”).

Serial Number: Helps with identification, especially for electronics and appliances.

Purchase Date: When you bought the item.

Cost/Value: The purchase price or current estimated value.

Condition: The state of the item (e.g. “new”, “good”, “worn”).

Location: Where the item is in your home (e.g. “living room”).

Types of Home Inventories

1. Physical Lists: Written or printed records of your possessions.
2. Digital Lists: Spreadsheets or documents stored on a computer or cloud service.
3. Photographic/Video Records: Visual documentation of your items, often with accompanying written descriptions.

Why Create a Home Inventory?

1. Insurance: Helps with filing claims and ensuring adequate coverage.
2. Organizational: Assists in managing your belongings, especially during moves or home renovations.
3. Estate Planning: Facilitates the division of assets among heirs.
4. Financial: Aids in tracking the value of your possessions for tax or financial planning purposes.
5. Peace of Mind: Provides a sense of security by knowing you have a comprehensive record of your belongings.

How do I start a home inventory?

Starting a home inventory is a smart way to keep track of your possessions, which can be useful for insurance purposes, organizing, and decluttering. Here’s a step-by-step guide to get you started:

1. Choose Your Method: Decide how you want to record your inventory. Options include:

• Paper and Pen: Simple and straight forward, but may be less organized.
• Spreadsheets: Useful for organizing data with categories and can be backed up digitally.
• Apps: There are several inventory management apps designed for home use, like Sortly or Nest Egg.
• Photographs/Videos: Visual documentation can be helpful, especially for insurance claims.

2. Start Room by Room: Break down your inventory process by tackling one room at a time. This helps keep the task manageable and organized.
3. List Your Items: For each item, note down:

• Description: What the item is, including any details (e.g., color, brand).
• Quantity: How many of each item.
• Serial Numbers: For valuable or electronic items.
• Value: Approximate or actual value of the item.
• Location: Where the item is stored or used.

 

4. Photograph or Video: Take clear pictures or videos of each item, especially high-value items. Include any serial numbers or distinguishing features.
5. Organize and Categorize: Group similar items together (e.g. electronics, furniture, clothing). This makes it easier to find and manage your inventory.
6. Backup Your Inventory: If you’re using a digital method, ensure you back up your data. For paper inventories, consider scanning or photographing your lists and storing them digitally.
7. Update Regularly: Make it a habit to update your inventory whenever you acquire new items or dispose of old ones. Regular updates ensure your inventory remains accurate and useful.
8. Store Safely: Keep your inventory in a safe place where it’s easily accessible but secure from damage or loss. For digital inventories, use cloud storage for added safety.

When you’re operating a motor vehicle, you should always be cautious and mindful of your surroundings. One of the best actions you can take is to assume that someone else on the road is going to make a mistake. This mindset will automatically put you into a defensive driving mode. And while we shouldn’t live our lives believing that we will undoubtedly be injured by another driver on the road, if you pay attention to the road and minimize your distractions, chances are that you will not be the one responsible for the accident.

Driving in heavy rain requires extra caution and adjustments to ensure safety. Here are some tips to help you navigate safely:

1. Slow Down: Reduce your speed to match to the road conditions. Wet roads can be slippery, and driving too fast increases the risk of losing control.
2. Increase Following Distance: Allow for more space between you and the vehicle in front of you. This gives you more time to react to sudden stops or emergencies.
3. Use Headlights: Turn on your headlights to improve visibility for yourself and for other drivers. Avoid using high beams, as they can reflect off the rain and reduce visibility.
4. Avoid Sudden Movements: Make smooth and gradual steering, braking, and acceleration to prevent skidding.
5. Be Aware of Hydroplaning: Hydroplaning occurs when your tires lose contact with the road due to a layer of water. If you start hydroplaning, ease off the gas and gently steer in the direction you want to go. Avoid braking suddenly.
6. Check Your Tires: Ensure your tires have adequate tread depth and are properly inflated. Good tires are crucial for maintaining traction in wet conditions.
7. Use Windshield Wipers and Defrosters: Make sure your wipers are in good condition and use them as needed. Turn on the defroster to keep your windshield clear of fog.
8. Avoid Puddles: Steer clear of large puddles, as they can be deeper than they appear and may cause you to lose control.
9. Stay in Your Lane: Rain can make road markings less visible, so be especially attentive to stay in your lane and avoid drifting.
10. Plan for Extra Time: Allow for additional travel time to account for slower speeds and potential traffic delays.

By following these guidelines, you can help ensure a safer driving experience in heavy rain.

Driving during the fall season comes with several unique challenges and dangers. Here are some key concerns to be aware of:

1. Wet Leaves: Fallen leaves can create slick surface, especially when wet. This can lead to reduced traction and increased risk of skidding.
2. Reduced Visibility: Shorter daylight hours and frequent fog or rain can impair visibility. Additionally, sun glare from low-angle sunlight can make it hard to see.
3. Deer Activity: Fall is mating season for deer, leading to increased movement. Be extra cautious in rural areas where deer crossings are common.
4. School Zones: With children back in school, there’s more pedestrian traffic, especially during drop-off and pick-up times. Extra vigilance is needed in school zones.
5. Changing Weather Conditions: Fall weather can be unpredictable, with sudden rain, wind, or even early snow, affecting road conditions.
6. Harvest Traffic: In rural areas, farm equipment can be slow-moving and might share the road, requiring drivers to be patient and cautious.
7. Road Work: Fall often brings construction projects as crews try to complete work before winter, which can lead to detours and changing road conditions.
8. Tire Issues: As temperatures drop, tire pressure can decrease. Ensuring proper tire maintenance is crucial for safe driving.

Being aware of these factors and adjusting driving habits accordingly can help ensure a safer driving experience during the fall season.

Anti-discrimination laws are regulations designed to prevent unfair treatment of individuals based on certain protected characteristics. These laws typically cover areas such as employment, housing, education, and public accommodations. The protected characteristics can include race, color, religion, sex, national origin, age, disability, and sometimes sexual orientation or gender identity, depending on the jurisdiction.

Here’s why business owners should be familiar with these laws:

Legal Compliance: Adhering to anti-discrimination laws helps businesses avoid legal penalties, fines, or lawsuits. Understanding these laws ensures that your business practices are in line with legal requirements.

Fair Treatment: These laws promote fairness and equality in the workplace. By complying with them, you create an environment where all employees are treated with respect and have equal opportunities, which can lead to higher employee satisfaction and productivity.

Reputation Management: A business known for fair treatment and adherence to anti-discrimination laws often enjoys a better reputation. This can attract top talent and loyal customers who value ethical practices.

Diverse Workforce: Embracing and supporting diversity can lead to a more innovative and dynamic work environment. Familiarity with anti-discrimination laws helps in creating policies that support diversity and inclusion.

Conflict Avoidance: Understanding these laws helps in proactively addressing potential issues before they escalate into disputes or legal claims. It also equips you to handle any complaints or conflicts that arise in a manner that is fair and legal.

Overall, knowing and implementing anti-discrimination laws is essential for maintaining a fair, respectful, and legally compliant business environment.

If a hurricane is approaching, it’s typically too late to purchase a new insurance policy or make significant changes to your current one. Most insurers have a “hurricane warning” clause that prohibits new coverage or changes to existing policies once a storm is imminent.

However, you should review your current policy to ensure that you have adequate coverage. Call us at 301-948-2010 if you have any questions and we’ll be happy to help you!

Flood insurance has to be purchased as a separate policy. It is not included in a typical homeowners insurance policy. It is important to note that flood insurance policies have a 30-day mandatory waiting period before going into effect. This is due to the fact that flood insurance is federally regulated through FEMA’s National Flood Insurance Program.

Named storms can significantly impact your insurance coverages in several ways:

1. Properly Damage: If a named storm causes damage to your home, your homeowners insurance typically covers repairs, but you’ll need to check your policy for specific exclusions or limitations related to storm damage.
2. Hurricane Deductibles: Many insurers have a separate hurricane or named storm deductible. This amount is usually a percentage of your home’s insured value, meaning you may need to pay more out of pocket before your insurance kicks in.
3. Flood Insurance: Standard homeowners insurance does not cover damage from floods. If a named storm causes flooding, you’ll need a separate flood insurance policy. Many policies have a waiting period before coverage begins, so it’s wise to have this in place well in advance of storm season.
4. Loss of Use: If your home is uninhabitable due to storm damage, your policy may cover additional living expenses (ALE) for a certain period of time. Check your policy limits as well as the duration of the policy.
5. Coverage Limitations: Some insurance companies might impose stricter underwriting guidelines or limit coverage in areas frequently affected by storms, potentially impacting your ability to obtain or renew policies.
6. Claims Process: After a named storm, claims might increase significantly, which can lead to delays in processing. Be sure to document all damage thoroughly to facilitate your claim.

If you have any questions regarding how a named storm affects your insurance, don’t hesitate to give us a call. We’re happy to help!

When you have car insurance and drive in multiple states, you generally don’t need a separate policy for each state. Most car insurance policies are designed to provide coverage across state lines within the United States. However, there are a few key points to keep in mind:

1. Minimum Coverage Requirements: Different states have minimum coverage requirements. Your insurance policy will typically meet the minimum requirements for the state where your car is registered. If you move to a new state or spend a significant amount of time there, you should check if your current policy meets the state’s requirements or if you need to adjust your coverage. It’s a good idea to make it a regular practice to review your policy just to make sure your policy is up-to-date with current state laws.
2. Temporary vs. Permanent Moves: If you’re moving to a new state permanently, you’ll need to update your policy to reflect your new address and possibly get new coverage that meets the new state’s requirements. For temporary moves (like travel or vacation), your existing insurance should generally cover you.
3. Insurance Provider Policies: Some insurance companies might have specific rules about coverage in different states, so it’s a good idea to call one of our licensed professionals in order to understand how your coverage works and if any adjustments are needed.
4. Registration and Licensing: If you’re moving to a new state, you’ll also need to update your vehicle registration and driver’s license to that state.

 

Overall, your current insurance policy should be sufficient enough for driving in different states as long as it meets the minimum coverage requirements for your primary state of residence. If you have specific concerns or unique circumstances, give us a call at 301-948-2010 and we’ll be happy to address your insurance needs.

When referring to homeowners insurance, a “peril” refers to a specific risk or cause of loss that is covered by the policy. Common perils include fire, theft, vandalism, and certain types of water damage. When you purchase homeowners insurance, you’re essentially paying for protection against certain perils that could cause damage to your home or your belongings.

Policies typically come in two main types:

1. Named Perils: This type of policy covers only the specific perils listed in the policy. For example, if your policy lists fire and theft but not earthquake, then damage from an earthquake would not be covered.
2. Open Perils (or All-Risk): This type of policy covers all perils except for those specifically excluded in the policy. So, if an open perils policy excludes earthquakes, damage from an earthquake would not be covered, but everything else would be.

What are examples of common covered perils on a homeowners insurance policy?

1. Fire and Smoke Damage: Coverage for damage caused by fires, including damage from smoke.
2. Windstorm and Hail: Protection against damage caused by high winds, tornadoes, hurricanes, and hail.
3. Theft: Coverage for loss or damage resulting from burglary or theft.
4. Vandalism: Protection against damage caused by vandalism or malicious mischief.
5. Water Damage: Often includes damage from burst pipes or accidental leaks, but typically excludes flooding (which usually requires a separate flood insurance policy).
6. Explosion: Coverage for damage caused by explosions, such as those involving gas lines or applances.
7. Falling Objects: Protection from damage caused by falling objects, like tree branches or debris.
8. Weight of Snow, Ice, or Sleet: Coverage for damage resulting from the accumulation of snow, ice, or sleet.
9. Civil Disturbance: Coverage for damage due to riots or civil commotion.
10. Damage from Aircraft or Vehicles: Protection against damage caused by aircraft or vehicles that accidentally hit your home.

It’s important to review your specific policy to understand which perils are covered and if there are any exclusions or limitations. Give us a call at 301-948-2010 and one of our experienced professionals will be happy to assist you!

What are examples of uncovered perils on a homeowners insurance policy?

While there a number or perils that are covered on your homeowners insurance policy, there are some perils that are excluded from coverage. Here are a few examples:

1. Floods: Most standard homeowners policies do not cover damage caused by flooding. For flood protection, separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer is usually required.
2. Earthquakes: Damage from earthquakes is generally not covered under standard homeowners insurance policies. Earthquake coverage can be purchased separately as an add-on or through a specialized policy.
3. Wear and Tear: Homeowners insurance does not cover damage resulting from regular wear and tear, lack of maintenance, or gradual deterioration. For example, damage from old, leaking pipes due to neglect would not be covered.
4. Pests and Vermin: Damage caused by pests like termites, rodents, or insects is typically not covered. Preventative measures and treatments are generally considered the homeowner’s responsibility.
5. High-Value Items: Standard policies often have coverage limits for valuable items such as jewelry, art, or collectibles. You may need to purchase additional coverage or endorsements to fully protect these items.
6. Sewer Backup: Damage from sewer or drain backups is not usually included in a standard policy. However, you can add this coverage as an endorsement.
7. Intentional Damage: Damage caused intentionally by the homeowner or someone living in the home is not covered. This includes vandalism or intentional destruction or property.
8. Business Activities: If you run a business from your home, standard homeowners insurance might not cover related damages or liabilities. You might need a separate business insurance policy or a home-based business endorsement.
9. Neglect or Poor Maintenance: Damage that occurs due to neglect or failure to properly maintain the home is typically not covered. For instance, if a roof leaks because it was not repaired in a timely manner, the resulting damage may not be covered.
10. Government Action: Damage resulting from government action, such as the demolition of property or confiscation, is usually excluded from coverage.

It’s important to read the details of your homeowners insurance policy. Call us at 301-948-2010 with any questions you may have regarding coverages or exclusions. We’ll be happy to assist you!

In Maryland, window tinting regulations vary depending on the type of vehicle and the specific windows being tinted. The latest guidelines for the state of Maryland indicate the following:

Passenger vehicles:

Front Side Windows: Must allow at least 35% of light to pass through.

Rear Side Windows: Can have any level of tint.

Rear window: Can have any level of tint.

Windshield: Tinting is allowed only along the top 5 inches or the AS-1 line, whichever is longer.

In Virginia, the legal limits for window tint are as follows:

Front Side Windows: The tint must allow at least 50% of outside light to pass through.

Rear Side Windows: The tint must allow at least 35% of outside light to pass through.

Rear Window: There is no specific light transmittance requirement for the rear window.

In North Carolina, the legal limits for window tinting are the following:

Front Side Windows: Must allow at least 35% of light to pass through.

Back Side Windows: Must allow at least 35% of light to pass through.

Rear Window: Must allow at least 35% of light to pass through. However, if your vehicle has side mirrors on both sides that provide a view of the rear, this limit may not apply.

Additionally, North Carolina law prohibits reflective or mirrored tinting the front side windows and requires that the tinting does not excessively impair the driver’s view.

In West Virginia, the limits for window tinting are as follows:

Windshield: Tinting is allowed only on the top 5 inches of the windshield, and it must be non-reflective.

Front Side Windows: The tint must allow at least 35% of light to pass through.

Back Side Windows: Tint must allow at least 35% of light to pass through.

Rear Window: Tint must allow at least 35% of light to pass through.

Reflective tints are generally not allowed, and there may be additional restrictions on the reflectivity of the film.

In Pennsylvania, the limits for window tinting are the following:

Windshield: Tinting is allowed only on the top three inches of the windshield, and it must be non-reflective.

Front Side Windows: Tint must allow at least 70% of light to pass through.

Back Side Windows: Tint must allow at least 70% of light to pass through.

Rear Window: Tint must allow at least 70% of light to pass through.

Finally, in Washington, D.C., the limits for window tinting are as follows:

Windshield: Tinting is allowed only on the top 5 inches of the windshield, and it must be non-reflective.

Front Side Windows: Tint must allow at least 70% of light to pass through.

Back Side Window: Tint must allow at least 70% of light to pass through.

Rear Window: Tint must allow at least 70% of light to pass through.

As with any type of regulation, it’s always a good idea to double-check with local authorities or a professional installer to ensure compliance with current laws.

Protecting your home while you’re on vacation is crucial to ensure everything stays safe and secure. Here are some effective steps you can take:

1. Notify a trusted Neighbor or Friend: Let someone you trust know you’ll be away. They can keep an eye on your property, collect your mail, and help with any emergencies.
2. Use Timers for Lights: Set up timers to turn your lights on and off at different times to create the illusion that someone is home. Smart lights or plugs that can be controlled remotely are also a good option.
3. Secure All Entry Points: Double-check that all doors and windows are locked. Consider adding security bars or upgrading to more secure locks if necessary.
4. Install a Security System: If you have a security system, make sure it’s activated. Many systems now come with mobile aps that allow you to monitor your home remotely.
5. Don’t Broadcast Your Absence: Avoid posting your vacation plans on social media until you return. Publicly announcing that you’re away can make your home a target.
6. Use Surveillance Cameras: If possible, set up security cameras around your property. Many systems offer real-time monitoring and alerts.
7. Keep Up Appearances: Arrange for lawn care or snow removal to keep your home looking occupied. An overgrown lawn or piled-up snow can be a red flag that no one is home.
8. Hold Your Mail: Contact your postal service to hold your mail or have a neighbor pick it up. A full mailbox can signal that you’re not home.
9. Secure Valuables: Store valuable items in a safe or secure location. If you have a safe, make sure it’s bolted down or hidden.
10. Use Smart Technology: Smart locks, doorbell cameras, and other smart home devices can provide extra security and allow you to monitor your home from afar.
11. Check Your Insurance: Call us to speak with one of our licensed insurance professionals to review your homeowners insurance policy to make sure everything is up-to-date and covers any potential issues while you’re away.

Taking these steps can help give you the peace of mind your needs so that you can relax and enjoy your vacation, knowing that your home is well-protected.

Ladder safety is crucial to prevent falls and injuries. Here are some essential tips to keep in mind:

1. Choose the Right Ladder: Ensure the ladder is appropriate for the job and is in good condition. Check the weight rating and choose a ladder that can support both your weight and any tools or materials you might be carrying.
2. Inspect Before Use: Before using, inspect the ladder for any damage, such as cracks, bent rungs, or broken locks. Make sure it’s clean and free of any slippery substances.
3. Set Up Properly: Place the ladder on a stable, level surface. If you’re using an extension ladder, make sure the base is positioned at a 4:1 ratio (one foot out for every four feet up).
4. Secure the Ladder: For extension ladders, ensure the ladder is secured at the top if possible. For step ladders, lock the spreaders to prevent the ladder from collapsing.
5. Maintain Three Points of Contact: Always keep three points of contact with the ladder—two hands and one foot or two feet and one hand—when climbing or working.
6. Don’t Overreach: Keep your body centered on the ladder and avoid overreaching. If you need to extend your reach, move the ladder rather than leaning out.
7. Avoid Using Ladders in Bad Weather: Avoid using ladders during windy or rainy conditions, as they can make the ladder slippery and unstable.
8. Don’t Use Ladders as Scaffolding: Avoid placing ladders on unstable surfaces or using them inappropriately, like on top of tables or other unstable surfaces.
9. Wear Proper Footwear: Wear non-slip shoes to prevent slipping off the ladder.
10. Never Lean the Ladder Against a Surface That Can Move: Ensure that the ladder is placed against a solid and immovable surface.

How Do I Choose the Right Ladder For Me?

Choosing the right ladder involves considering several factors to ensure safety, efficiency, and suitability for the task. Here’s a guide to help you make the right choice:

1. Determine the Task

• Type of Work: Identify the type of work you’ll be doing. Different tasks (e.g., painting, cleaning gutters, changing light bulbs) may require different types of ladders.

2. Choose the Ladder Type

• Step Ladder: Ideal for tasks that require stability on flat surfaces, like painting or reaching high shelves. They’re self-supporting and usually have a platform at the top for standing.
• Extension Ladder: Good for reaching higher areas, such as roofs or second-story windows. They’re adjustable in height and need to be leaned against a stable surface.
• Multi-Position Ladder: Versatile and adjustable, it can be used as a step ladder, extension ladder, or even as scaffolding.
• Telescoping Ladder: Compact and portable, it extends to various heights and is great for storage in tight spaces.
• Platform Ladder: Provides a large standing area and is suitable for extended work periods.

 

3. Consider Material

• Aluminum: Lightweight and resistant to rust. Ideal for most tasks but can be less stable on uneven surfaces.
• Fiberglass: Heavier but more durable and safer for electrical work because it doesn’t conduct electricity. It’s also more stable and suitable for rugged environments.
• Wood: Traditional but less commonly used due to potential for decay and instability. It’s usually only recommended for specific situations.

 

4. Select the Right Size

• Height: Choose a ladder that reaches the height you need without overreaching. Consider both the working height and the height of the ladder itself.
• Length: Ensure the ladder is long enough to comfortably reach the area you’re working on. For extension ladders, ensure you have a safe 3-foot overlap on each rung.

 

5. Check the Load Capacity

• Weight Rating: Ladders come with weight ratings based on their intended use. Ensure the ladder’s load capacity (including your weight and any tools or materials) matches your needs. Common classification include Type I (250 lbs), Type IA (300 lbs), and Type IAA (375 lbs).

 

6. Assess Safety Features

• Stabilizers: Look for ladders with stabilizers or anti-slip feet to increase stability.
• Locking Mechanisms: Ensure the ladder has reliable locks, especially for extension and multi-position ladders, to prevent accidental collapse.

 

7. Check for Certifications

• Standards: Ensure the ladder complies with relevant safety standards (e.g. ANSI, OSHA). Certification indicates that the ladder meets safety and performance requirements.

 

8. Consider Portability and Storage

• Weight: Lighter ladders are easier to transport but may be less stable. Balance the need for portability and stability.
• Storage Space: If storage space is limited, consider a ladder that folds or telescopes to save space.

Nobody ever wants to have their car stolen, but the truth is that there are bad people out there in the world just itching for the perfect opportunity to commit crimes. If it happens to you, here are a few essentials that you should know:

Auto insurance does typically cover stolen vehicles, but it does depend on the type of coverage you have on your auto policy.

Comprehensive Coverage: This is the type of insurance that typically covers theft. Comprehensive coverage protects against non-collision-related incidents, including theft, vandalism, and natural disasters. If your car is stolen and you have comprehensive coverage, you should be able to file a claim with your insurance company to get compensation for the loss.

Collision Coverage: This type of coverage is for damage to your car resulting from a collision, not theft. So, this kind of coverage will not help you in the event of your car being stolen.

Liability Coverage: This covers damages to others if you’re at fault in an accident but does not cover theft or damage to your own vehicle.

Uninsured Motorist Coverage: This helps if you’re in an accident with a driver who doesn’t have insurance, but it doesn’t cover theft.

If your car is stolen, you should report it to the police and your insurance company as soon as possible. Your insurer will guide you through the claims process and help determine the compensation based on the value of your vehicle and the specifics of your policy.

It’s very important that you report your car being stolen immediately the police and to your insurance company. If your car is recovered, a claims adjuster will assess the damage and determine the cost of repairing it.

Comprehensive coverage can help pay for the any damages to your car while it was out of your possession. You would still be responsible for your deductible. If your insurance company deems your car to be a total loss, you will receive the actual cash value of your car minus your deductible.

You should ask your insurance professional how many days you will be covered for a rental car under your current auto insurance policy.

 

Homeowners insurance typically covers sudden and accidental damage caused by plumbing issues, but not all plumbing problems are included. Here’s a general breakdown:

Covered:

Burst Pipes: If a pipe bursts suddenly due to freezing or another covered peril, the damage caused can be covered.

Water Damage: Damage to your home from a burst pipe or other plumbing failure is often covered, including water damage to walls, floors, and personal property.

Accidental Overflow: If a toilet or sink overflows due to an accident, it might be covered.

Not Covered:

Wear and Tear: Routine maintenance issues, like leaks caused by aging pipes, are generally not covered.

Negligence: Damage resulting from poor maintenance or neglect, such as failing to address a small leak that eventually causes significant damage, is typically excluded.

Maintenance Costs: The cost of repairing or replacing old or worn-out pipes is usually your responsibility.

As always, give us a call to review your specific policy details and if you have any questions, we’ll be happy to assist you in understanding exact coverages and any exclusions pertaining to plumbing issues.

What can I do to Protect My Home From Plumbing Issues?

1. Regular Inspections:

• Schedule Professional Inspections: Have a licensed plumber inspect your system periodically to catch potential issues early.
• Check for Leaks: Regularly inspect areas prone to leaks, like under sinks, around toilets, and near appliances.

2. Pipe Maintenance:

• Insulate Pipes: In colder climates, insulate exposed pipes to prevent them from freezing and bursting.
• Keep Pipes Warm: During cold spells, let a trickle or water run through faucets to keep pipes from freezing.

3. Prevent Clogs:

• Use Drain Guards: Install screens in sinks, showers, and tubs to catch hair and debris.
• Avoid Grease: Never pour grease or oil down the drain as it can cause blockages.

4. Water Pressure:

• Monitor Pressure: High water pressure can damage pipes. Consider installing a pressure regulator if your pressure is above recommended levels.

5. Know Your System:

• Locate Shut-Off Valves: Know where your main water shut-off value is and how to use it in case of an emergency.
• Understand Your Plumbing: Familiarize yourself with the layout of your plumbing system to help identify issues quickly.

6. Maintain Appliances:

• Check Hoses: Inspect hoses for appliances like washing machines and dishwashers for signs of wear or leaks, and replace them if necessary.
• Flush Water Heater: Flush your water heater annually to remove sediment build-up that can cause issues.

7. Emergency Preparedness:

• Have a Plumber’s Contact Information: Keep the contact information of a reliable plumber handy for emergencies.
• Know How to Turn Off Water: Practice turning off your main water supply so you can act quickly if a problem arises.

8. Weather-Proof Your Home:

• Seal Gaps: Seal any gaps or cracks around pipes that could expose them to extreme temperatures.

By staying vigilant and addressing minor issues before they become major problems, you can significantly reduce the risk of serious plumbing issues in your home.

A life insurance policy primarily provides a death benefit to beneficiaries, but the specifics of what can be covered or included in a policy can vary depending on the type of insurance and any additional riders or provisions. Here are the main areas and features typically covered:

1. Death Benefit:

Standard Coverage: The primary feature of all life insurance policies is the payment made to beneficiaries upon your death. This amount is generally tax-free and is intended to help cover financial needs such as funeral expenses, outstanding debts, and living expenses.

2. Types of Policies and Their Specifics

• Term Life Insurance: Provides coverage for a specific period (e.g. 10, 20, or 30 years). It pays out the death benefit if you die during the term.
• Whole Life Insurance: Offers coverage for your entire life and includes a cash value component that grows over time. It provides a death benefit and can also serve as an investment vehicle.
• Universal Life Insurance: Provides flexible coverage with adjustable premiums and death benefits, and includes a cash value component. The cash value earns interest based on market rates.
• Variable Life Insurance: Includes both a death benefit and a cash value component that can be invested in various options, such as stocks or bonds. The cash value and death benefit can vary depending on investment performance.

 

3. Additional Riders and Benefits

• Accidental Death Benefit Rider: Pays an additional benefit if death occurs due to an accident.
• Critical Illness Rider: Provides a lump sum payout if you are diagnosed with a critical illness covered by the rider, such as cancer or heart disease.
• Disability Waiver of Premium Rider: Waives premium payments if you become disabled and cannot work.
• Child Rider: Provides coverage for your children, often offering a death benefit if a covered child passes away.
• Long-Term Care Rider: Allows you to access part of the death benefit while you are alive to pay for long-term care services.

 

4. Cash Value Component (for Permanent Policies)

• Growth of Cash Value: Permanent life insurance policies (e.g. whole or universal life) accumulate cash value over time. This can be accessed through policy loans or withdrawals.
• Policy Loans: You can borrow against the cash value of the policy. Loans must be repaid with interest; otherwise, they will reduce the death benefit.

 

5. Terminal Illness Benefit

• Early Payout: Some policies offer an advance payment of the death benefit if you are diagnosed with a terminal illness and have a limited time to live.

 

6. Conversion Options

• Term-to-Permanent Conversion: Some term life insurance policies offer an option to convert to a permanent policy without needing a new medical exam

 

7. Premium Flexibility

• Flexible Premiums: Universal and variable life insurance policies often offer flexibility in premium payments, allowing you to adjust the amount and frequency.

 

Each policy and rider can vary in terms of specifics, so it’s important to carefully review the terms and conditions of your life insurance policy. Call us to speak with one of our licensed professionals to ensure it meets your financial goals and expectations.

Preventing your car from overheating involves a mix of regular maintenance and mindful driving habits. Here are some steps to help keep your car cool:

1. Check Coolant Levels: Regularly check and top off your coolant (antifreeze) levels. Your car’s manual will provide the correct type and ratio of coolant to use.
2. Inspect the Radiator and Hoses: Ensure that the radiator and hoses are in good condition. Look for leaks, cracks, or wear and tear. Replace any damaged parts promptly.
3. Test the Thermostat: The thermostat regulates the flow of coolant. If it’s stuck closed, it can cause overheating. Have it tested and replaced if necessary.
4. Maintain the Radiator: Keep the radiator clean and free from debris. A clogged radiator can hinder heat dissipation. Consider having it flushed periodically to remove any buildup.
5. Check the Water Pump: The water pump circulates coolant through the engine. If it’s malfunctioning, it can lead to overheating. Watch for any signs of leaks or unusual noises.
6. Monitor the Cooling Fan: Ensure that the cooling fan is functioning properly. It should kick on when the engine gets hot. If it doesn’t, it might need a replacement or repair.
7. Avoid Overloading: Don’t overload your vehicle or tow more than it’s rated for. Excessive strain can increase engine temperatures.
8. Drive Wisely: Avoid aggressive driving and high speeds, especially on hot days. Allow your car to warm up before driving hard and keep an eye on the temperature gauge.
9. Check the Radiator Cap: Make sure the radiator cap is in good condition and properly sealed. A faulty cap can cause coolant to escape and lead to overheating.
10. Watch for Warning Signs: If you notice steam, a hot engine smell, or the temperature gauge rising, pull over safely and turn off the engine. Let it cool down before checking for issues.

Regular maintenance and timely repairs can go a long way in preventing overheating and keeping your car running smoothly.

What should I do if my car overheats?

1. Pull over safely: As soon as you notice the temperature gauge rising or see steam, find a safe place to pull over. Turn off the engine to prevent further damage.
2. Wait for the Engine to Cool: Allow the engine to cool down before opening the hood. This can take roughly 20-30 minutes. Opening the hood while the engine is hot can cause burns from steam or hot coolant.
3. Check Coolant Levels: Once the engine has cooled, check the coolant level in the radiator and the coolant reservoir. Be very careful—if you need to open the radiator cap, make sure the engine is completely cool to avoid injury from hot steam or coolant.
4. Add Coolant If Necessary: If the coolant level is low, add the appropriate type of coolant to the radiator or reservoir. Use a mixture of water and coolant if you don’t have pre-mixed coolant. Only add coolant to a cool engine to avoid a dangerous reaction.
5. Check for Leaks: Inspect the area under the car and around the engine for any signs of coolant leaks. If you see a puddle or any signs of leakage, it might indicate a more serious problem.
6. Restart the Engine: Start the engine and let it run for a few minutes while monitoring the temperature gauge. If the temperature continues to rise, turn off the engine again and wait for it to cool down.
7. Seek Professional Help: If you cannot determine the cause of the overheating or if the issue persists after adding coolant, call for roadside assistance or a tow truck. Driving with an overheating engine can cause severe damage.
8. Check Other Fluids: While waiting for the engine to cool, you might want to check the oil level and other fluids to ensure they are at proper levels, as low oil can also contribute to overheating.
9. Avoid Driving Until Repaired: Once the engine has cooled and you’ve added coolant, if the car seems to be running normally, avoid driving long distances until you’ve had the issue checked by a mechanic.

Overheating can be caused by various issues such as a faulty thermostat, water pump failure, radiator issues, or even a failed cooling fan. It’s essential to have a professional mechanic diagnose and repair the problem to ensure your vehicle is safe and reliable.

Preventing water damage to your home is crucial to avoid costly repairs and maintain the integrity of your property. Here are some essential tips to help you prevent water damage.

Regularly inspect your roof: Check for missing or damaged shingles, and ensure that the roof is in good condition to prevent leaks.

Clean gutters and downspouts: Regularly clean debris from gutters and downspouts to ensure proper drainage. Clogged gutters can cause water to overflow and damage the roof and siding.

Inspect and maintain plumbing: Look for leaks under sinks, around toilets, and in basements or crawl spaces. Fix any leaks promptly to prevent water damage and mold growth.

Check appliances: Inspect washing machine hoses and replace them if they are old or damaged. Check water heaters for leaks or rust, and replace them if necessary.

Monitor water pressure: High water pressure can cause stress on pipes and lead to leaks. Use a pressure gauge to ensure water pressure is within the recommended range (typically 40-60 psi).

Install a sump pump: If your basement is prone to flooding, consider installing a sump pump to remove water an prevent flooding during heavy rains.

Maintain landscaping: Ensure that the ground around your home slopes away from the foundation to prevent water from pooling around it. Use mulch or gravel to help absorb rainwater.

Seal windows and doors: Inspect and repair seals around windows and doors to prevent water intrusion during rainstorms.

Consider waterproofing: Depending on your climate and local conditions, consider waterproofing vulnerable areas such as basements or crawl spaces to prevent seepage.

Keep an eye on your water bill: A sudden increase in your water bill could indicate a hidden leak. Investigate promptly to prevent further damage.

Know your home insurance coverage: Understand what is covered under your homeowners insurance policy regarding water damage. Consider additional flood insurance if you live in a flood-prone area.

By following these preventative measures, you can significantly reduce the risk of water damage to your home and protect your investment. Regular maintenance and vigilance are key to keeping your home safe from water-related issues.

Flooding can cause significant damage to your home in several ways:

Water Damage: The most immediate and obvious impact of flooding is water damage. Water can seep into walls, floors, and furniture, causing warping, swelling, and deterioration. This can weaken structures and potentially lead to collapse in severe cases.

Mold and Mildew: Standing water and dampness create idea conditions for mold and mildew growth. Mold not only damages surfaces but also poses health risks, especially to those with respiratory issues or allergies.

Electrical Damage: Water can damage electrical systems and appliances, leading to short circuits, malfunctions, or even fires. This poses a significant safety hazard.

Foundation and Structural Damage: Floodwater can undermine the foundation of your home, causing cracks or weakening its structural integrity over time. This can be costly to repair and may compromise the safety of the entire building.

Contamination: Floodwater often carries contaminants such as sewage, chemicals, or bacteria, which can pose serious health risks. It can contaminate drinking water sources and require extensive cleaning and disinfection.

Personal Belongings: Floods can damage or destroy personal belongings such as furniture, clothing, electronics, and sentimental items. These losses can be emotionally devastating in addition to the financial impact.

Pest Infestation: Standing water and damp conditions can attract pests such as mosquitoes, rodents, and insects, which can further compromise the safety and overall hygiene of your home.

To mitigate the damage from flooding, it’s important to have adequate insurance coverage, maintain proper drainage around your home, and be prepared with emergency plans and supplies in the event of a flood. Flood prevention measures such as installing sump pumps, elevating electrical systems, and sealing basements can also help reduce the risk of damage.

Wear a life jacket: Make sure everyone on board wears a properly fitted life jacket. In case of an emergency, it can save lives.

Check the weather forecast: Before heading out, check the weather forecast. Avoid going in stormy or rough weather conditions.

Inspect your boat: Regularly inspect your boat for any signs of damage or wear. Ensure that all safety equipment, such as navigation lights, horns and fire extinguishers, are in good working condition.

File a float plan: Let someone know where you are going and when you plan to return. Provide them with a detailed itinerary, including your route and expected return time.

Stay alert and sober: Avoid alcohol and drugs while operating a boat. Stay focused on your surroundings and be aware of other boaters, swimmers, and obstacles in the water.

Follow navigation rules: Familiarize yourself with navigation rules and regulations for the area where you’ll be boating. Pay attention to markers and buoys, and know the right of way.

Use proper lighting: Make sure your boat has the required navigation lights for nighttime boating. Always carry a flashlight with extra batteries onboard.

Keep a safe distance: Maintain a safe distance from other boats, swimmers, and fixed objects like docks and buoys.

Learn basic first aid: Be prepared for emergencies by knowing basic first aid techniques and having a well-stocked first aid kit onboard.

Educate yourself: Take a boating safety course to learn about boating laws, regulations, and best practices. Continuous education can help you become a safer and more responsible boater.

Remember, safety should always be a top priority when enjoying time on the water.

Age and Health: Younger and healthier individuals typically pay lower premiums because they’re considered lower risk. Age and health directly affect life expectancy, which insurers use to calculate risk.

Coverage Amount: The higher the coverage amount (death benefit), the higher the premiums. Insurers access the risk associated with paying out a larger sum.

Type of Policy: Term life insurance is generally cheaper than permanent life insurance (such as whole or universal life). Permanent policies offer lifelong coverage and often include a cash value component, which increases premiums.

Term Length: For term life insurance, longer terms typically have higher premiums because the insurer covers the risk of the insured’s death for a more extended period.

Occupation and Hobbies: Riskier occupations or hobbies (e.g. skydiving, deep-sea diving) can lead to higher premiums as they increase the likelihood of death or injury.

Smoking and Substance Use: Smokers typically pay higher premiums due to the increased health risks associated with smoking. Substance use, including alcohol and drugs, can also impact premiums.

Family Medical History: Some insurers consider the medical history of your immediate family members when determining premiums, as certain health conditions may have a genetic component.

Gender: Historically, women have lower life insurance premiums than men because they tend to live longer on average.

Driving Record: Poor driving records, especially if it involves DUI or multiple accidents, may result in higher premiums due to the increased risk of premature death.

Location: Where you live can affect your life insurance premiums. Areas with higher crime rates or lower-quality healthcare may have higher premiums.

Underwriting Criteria: Each insurer has its own underwriting criteria and risk assessment process, so premiums can vary between companies even for the same individual.

Understanding these factors can help individuals make informed decisions when purchasing life insurance and potentially save money by finding the most suitable policy for their needs.

When it comes to vehicle maintenance, there are several areas that people oftentimes overlook. Here are some common ones:

1 . Tire Pressure: Many drivers forget to regularly check their tire pressure, which can lead to decreased fuel efficiency and increased risk of blowouts.

2. Wheel Alignment: Proper wheel alignment is essential for safe driving and even tire wear. If your vehicle pulls to one side or you notice uneven tire wear, it may be time for an alignment.

3 . Fluid levels: Beyond just checking oil levels, it’s important to regularly check other fluids such as transmission fluid, brake fluid, coolant, and windshield wiper fluid.

4 . Air Filter: A dirty air filter can reduce engine performance and fuel efficiency. It’s recommended to check and replace the air filter regularly, typically every 12,000 to 15,000 miles.

5 . Battery Health: Check the battery terminals for corrosion and ensure they are securely connected. Additionally, have the battery tested regularly, especially if it’s more than a few years old.

6 . Brake Inspection: Don’t wait until you hear squealing or grinding noises to check your brakes. Regularly inspect brake pads, rotors, and brake fluids to ensure safe stopping.

7 . Suspension System: Over time, components of the suspension system such as shocks and struts can wear out, affecting ride comfort and handling. Regular inspections catch issues early.

8. Lights and Signals: Check all exterior lights including headlights, taillights, brake lights, and turn signals, to ensure they are functioning properly. Replace any bulbs that are burnt out.
9. Timing Belt/Chain: If your vehicle has a timing belt (some have timing chains), it’s important to replace it according to the manufacturer’s recommended schedule to avoid engine damage.
10. Cabin Air Filter: This filter keeps the air inside your vehicle clean. If it’s clogged or dirty, it can affect the performance of your heating and air conditioning system.

Regular maintenance and inspections of these areas can help prevent costly repairs and keep your vehicle running smoothly and safely.

Replacement Cost:

Replacement cost refers to the amount of money required to replace or reproduce an asset with another one of similar utility, functionality, and condition.

In the context of insurance, replacement cost is often used to determine the amount of coverage needed to rebuild or repair a damaged property.

It takes into account factors such as the current price of materials and labor, as well as any depreciation of the asset being replaced.

Replacement cost may not necessarily reflect the market value of the asset, as it focuses on the cost of obtaining a similar asset rather than its current market worth.

Market Value:

Market value, on the other hand, is the price at which an asset would sell in the current market, under normal conditions between a willing buyer and a willing seller.

It is influenced by various factors such as supply and demand, economic conditions, location, comparable sales of similar properties, and the overall condition of the asset.

Market value is often used in real estate transactions, property assessments, and investment analysis.

Unlike replacement cost, market value may not necessarily reflect the cost of the replacing an asset, as it is primarily determined by market forces.

To summarize, while replacement cost focuses on the cost of replacing an asset, market value reflects the price at which the asset would sell in the current market. They are distinct concepts used for different purposes, but both are important considerations when assessing the value of assets.

Renters insurance is a type of insurance policy designed to protect you if you rent your homes (apartments, houses, condos, etc.) rather than own them. It typically provides coverage for personal belongings, liability protection, and additional living expenses in case your rented property becomes uninhabitable due to covered losses like damage from fire or water.

Here’s why you might need renters insurance:

Protection for Personal Belongings: Renters insurance helps cover the cost of replacing or repairing your personal belongings, such as furniture, electronics, clothing, and jewelry, in case they are damaged, destroyed, or stolen due to covered perils like fire, theft, vandalism, or certain natural disasters.

Liability Coverage: If someone is injured while visiting your rented property and you’re found legally responsible, renters insurance can help cover the associated medical bills or legal expenses. It also provides coverage if you accidentally cause damage to someone else’s property.

Additional Living Expenses (ALE): If your rented property becomes uninhabitable due to a covered event, renters insurance can help cover the cost of temporary accommodations, such as hotel stays or rental expenses, and other necessary living expenses like food.

Affordability: Renters insurance is generally affordable, especially compared to other types of insurance like homeowners insurance. The cost varies depending on factors such as your location, the amount of coverage you need and the deductible you choose.

Peace of Mind: Having renters insurance can provide peace of mind knowing that your personal belongings are protected and that you have liability coverage in case of unforeseen events. It can help you avoid significant financial losses due to unexpected incidents.

Even though landlords have insurance for the property itself, it typically doesn’t cover tenants’ personal belongings or liability. Therefore, renters insurance is essential for renters to protect their possessions and finances.

A dashcam, short for dashboard camera, is a compact video camera mounted on the dashboard or windshield of a vehicle, typically facing forward to record the road ahead. Dashcams are designed to continuously record footage while driving, capturing everything that happens in front of the vehicle.

The primary purpose of a dashcam is to provide evidence in the event of accidents, collisions, or other incidents on the road. The footage recorded by the dashcam can help clarify what happened and who was at fault, which can be crucial for insurance claims, legal proceedings, or resolving disputes. Dashcams can also protect drivers from various types of fraud, such as staged accidents or false insurance claims.

Some dashcams also come with additional features such as GPS tracking, G-sensor technology (which detects sudden movements or impacts), loop recording (automatically overwriting old footage to conserve storage space), and parking mode (which records footage even when the vehicle is parked).

Overall, dashcams serve as a valuable tool for enhancing safety, providing evidence, and offering peace of mind for drivers.

Sometimes, it’s difficult to see what exactly happened just from looking at the damage on the vehicles. Sometimes a witness’s memory may lapse or fail to recall the correct sequence of events in a moment of high stress. And, unfortunately, sometimes people lie. Having the use of a dashcam gives claims experts indisputable evidence of what happened at the scene of an accident or collision. This also helps insurance companies settle claims faster.

The benefit of being an impartial witness is not exclusive to just accidents you are involved in. Your dashcam may provide assistance to someone else who needs help settling their own dispute with another driver.

Having a dashcam monitor your vehicle actually makes people drive more cautiously. If you have a teenage who drivers your car frequently, it can help encourage them to drive more carefully and to develop safer driving habits.

When water backs up, overflows, or floods, it usually goes where it doesn’t belong.

Are you concerned about water ruining your home? If that is a worry that you have, the following list can help you spot and fix some of the most common home water damage problems. Some you can take care of on your own, while others are definitely best left to the experts.

Since problems are never 100% avoidable, extra insurance coverage can help if water still seeps into your home. One of our experienced, licensed insurance professionals will be happy to assist with any questions you may have concerning your homeowners insurance. One way to expand your coverages on your home policy is by adding the Extended Water endorsement offered by Erie Insurance.

This endorsement features coverage for:

• Basements and other rooms that flood during a storm or various flooding events⁵
• Water that backs up from sewers or drains (separate Water Backup endorsement required in North Carolina)
• Repair or replacement costs for both your home and personal property⁵
• Additional living costs associated with temporarily relocating while your home is being restored¹
• Flood avoidance reimbursement (up to $10,000) to help proactively protect your home before flooding occurs

How Can You Protect Your Home From Water Damage?

The problem: Plumbing failure from frozen, rusted or leaky pipes

The solution: Remember, an ounce of prevention really is worth a pound of cure. Look for any telltale signs of leaks like unusually high water bills, mold or mildew growth, water stains on walls and warm spots on your floor. To prevent frozen pipes, keep your home’s temperature no lower than 55 degrees Fahrenheit.

Level of difficulty: Easy – if you know what to look for and stop a minor problem before it becomes a bigger one.

The problem: Plumbing drain system failures

The solution: Drain system failures are more common when your local storm water system is tied to your home’s sewer system. To prevent problems, install a backflow prevention assembly in your drain system. Also, remember to refrain from pouring grease down your drain; instead, let it cool before bagging and disposing of it.

Level of difficulty: While grease disposal is a no-brainer, it’s best to seek professional help installing a backflow prevention assembly.

The problem: Weak washing machine hoses

The solution: Replace hoses every five years and choose a reinforced steel-braided hose over a less durable rubber hose. And if your washer has seen better days, it might be time to replace the whole thing to prevent bigger issues.

Level of difficulty: Replacing a hose is a moderate job if you’re somewhat handy. Otherwise, call your plumber.

The problem: Water heater failure

The solution: Replace the sacrificial anode rod that diverts corrosion away from the tank at least once every two years. Also, flush your tank every six months to prevent sediment buildup.

Level of difficulty: Relatively easy. If you’re not handy, call your plumber.

Keeping your car in pristine condition both operationally and aesthetically involves a combination of regular maintenance tasks and protective measures. Here are some effective ways to achieve that:

1. Regular washing: Spring brings pollen, dust, and other debris that can accumulate on your car’s exterior. Wash your car regularly to remove dirt and grime that can damage the paint and finish.

 

2. Waxing: Apply a coat of wax after washing to protect the paint from UV rays, pollen, and other contaminants. Waxing also gives your car a shiny finish and helps repel water.

 

 

3. Check Fluid Levels: As temperatures rise, fluid consumption may increase. Check the oil, coolant, brake fluid, and windshield washer fluid levels regularly and top them off as needed.

 

4. Inspect Tires: Fluctuating temperatures can affect tire pressure. Check your tire pressure frequently and ensure they are properly inflated. Also, inspect the tread depth and look for any signs of wear or damage.

 

 

5. Wheels Alignment and Balance: Potholes and rough winter roads can affect your car’s alignment and balance. Get your wheels aligned and balanced if necessary to prevent uneven tire wear and improve fuel efficiency.

 

6. Clean Interior: Spring cleaning isn’t just for your home; it’s also important for your car. Vacuum the interior, clean the upholstery, and wipe down surfaces to remove dirt, dust, and allergens.

 

 

7. Inspect Wipes and Fluid: Spring showers require good windshield wipers. Check the condition of your wiper blades and replace them if they are worn or cracked. Also, ensure the windshield washer fluid reservoir is filled with a proper cleaning solution.

 

8. Check Air Filters: Pollen levels can be high during the spring, so it’s essential to have clean air filters in your car. Check and replace both the engine air filter and the cabin air filter if necessary.

 

 

9. Inspect Belts and Hoses: Cold temperatures can cause belts and hoses to become brittle, increasing the risk of cracks and leaks. Inspect them for any signs of wear or damage and replace them if needed.

 

10. Address Rust Spots: Winter road salt can accelerate rusting on your car’s undercarriage and body. Inspect your car for any rust spots and address them promptly to prevent further corrosion.

By following these maintenance tips, you can help keep your car in top condition throughout the spring and beyond.

Electricity has within itself the power to do both great and terrible things. It can provide light in darkness, but can also cause shock and potential fires. Fortunately, in most homes, a simple walkthrough can help you identify and avoid the most common risks. Having the proper homeowners insurance coverage can help to provide peace of mind as well.

Outlets and Switches

Outdated or mis-wired outlets and switches are not only annoying, but can be dangerous. Here’s what to do to avoid a dangerous situation:

Make sure all outlets and switches are covered with faceplates. Faceplates provide cover to exposed wiring that can shock and cause fires. Replace any missing faceplates, even if they are behind furniture or otherwise out of the way.

Protects children. All outlets should have safety covers. Or better yet, consider an upgrade to tamper resistant receptacles, which offer built-in protection against curious little ones.

Check outlets for signs of wear. If an outlet has burn marks or is hot to the touch, that’s not a good sign. Consult an electrician to get to the bottom of the problem. It could be a bad outlet or a sign of an underlying issue.

Make sure switches are outlets function properly. You can test with a portable lamp or a nightlight. If an outlet isn’t delivering power or a switch isn’t working consistently, it may be a sign of something serious. An electrician can help you make sure that you correct any unsafe wiring, often as simple as a loose screw or worn-out switch.

Extension cords and power strips

When it comes to extension cords and anything that allows you to expand how many things are plugged into a single outlet, use them sparingly. Here’s what you can do:

Avoid extension cords. If possible, relocate items close enough to outlets to avoid extension cords altogether. If you can’t avoid them, make sure to use them sparingly and temporarily. Extension cords are not meant to be used long-term, so you may want to consider adding extra outlets to your rooms. And don’t forget to unplug the cord when it’s not in use.

If you really need one, know what to check. If an extension cord can’t be avoided, make sure that it’s in good working order and free of visible damage. Don’t run extension cords under rugs or put heavy weight on top—they can be crushed and become fire or shock hazards. Also make sure that your extension cord is not wrapped tightly around or secured to anything i.e. with staples or nails.

Use power strips cautiously. Never plug multiple power strips into one outlet, or into one another. Don’t overload the power strip and watch out for heat. If your power strip is hot, reduce the number of items plugged into it. Experts recommend that power strips should be for temporary use only.

The kitchen

Most house fires start with the kitchen, which may not surprise you. But while most of us think of a splatter of grease or an overcooked roast as likely sources of flames and smoke, your electrical appliances can also be culprits. Here’s what you can do:

Steer clear of the sink. Relocate small appliances, i.e. coffee makers and blenders, away from the sink. If they are plugged into an outlet and are splashed with water, this presents a potential shock hazard.

Watch your wiring. Make sure that large appliances are plugged in correctly and properly wired. Plugs should reach outlets without stretching or straining and insert firmly. If anything is off if you’ve ever received even a light shock from touching an appliance such as an electric stove or dishwasher, talk to an electrician immediately.

Unplug items you are not using. Unattended appliances, such as a toaster or juicer, can lead to fire, even when no one is using them. To reduce your risk, simply unplug unused items until you need them.

Bathrooms

With moist air, and running water in a tight space, bathrooms can be dangerous when it comes to electricity. Here’s what you can do:

Unplug it.  Just like in the kitchen, you should unplug appliances that are not in use, such as an electric toothbrush or hair dryer. In addition to the risk of fire, these can be a major shock threat if knocked into a sink or bathtub while plugged in.

Avoid portable heaters. The presence of water, steam and a variety of conductive metal materials make these a real danger in a bathroom. Having a fixed heating fan installed is a safer bet.

Add GFCIs. Since most bathroom outlets are not far from running water, GFCIs are a must.

Elsewhere

Other spots in and around your home—think basement, garage and outdoor areas—can have their own electrical hazards. Here’s what you can do:

Check your fuse box or circuit breaker. Make sure that all fuses or circuits are in place and that fuse are the correct size.

Consider arc fault circuit breakers. These are a good fit for bedrooms to help you rest easy at night. They act in a similar fashion to GFCIs by sensing a short or overload and quickly shutting off the power.

These your GFCI circuits, especially outdoors or near water sources. Simply use the test and reset buttons to make sure they are working properly, particularly if you have outlets that are exposed to the elements.

Know when to call a pro. If you frequently blow fuses or trip breakers, contact an electrician to find the underlying problem.

Homeowners insurance typically covers a range of risks and liabilities associated with owining a home. Here are some common coverages:

Dwelling Coverage: This covers the structure of your home in case of damage or destruction due to covered perils such as fire, windstorms, lightning, hail, vandalism, and theft. It typically pays for the cost of repairing or rebuilding your home.

Other Structures Coverage: This extends coverage to strucutures on your property that are not attached to your main house, such as detached garages, sheds, or fences.

Personal Property Coverage: This protects your personal belongings, including furniture, clothing, electronics, and appliances, from covered perils, both inside and outside of your home. However, certain items like jewelry, artwork, and collectibles might have coverage limits, so you may need additional coverage for these high-value items.

Liability Protection: This provides coverage if someone is injured on your property or if you accidentally damage someone else’s property. It typically includes legal expenses and medical bills if you’re found liable for the injury or damage.

Additional Living Expenses or Loss of Use Coverage: If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living expenses such as hotel bills, rent, or restaurant meals while your home is being repaired or rebuilt.

Medical Payments to Others: This covers medical expenses if a guest is injured on your property, regardless of who is at fault. It’s usually a smaller amount compared to liability coverage.

It’s important to note that homeowners insurance policies can vary in terms of coverage limits, exclusions, and optional coverages. It’s advisable to review your policy carefully and consider any additional coverages you might need based on your specific circumstances, such as flood insurance or earthquake insurance, which are typically not covered under a standard homeowners policy.

With ERIE, if you purchase the Plus or Select bundle with your ErieSecure homeowners insurance, you will be covered in the case of damage to your underground service lines. This coverage protects you against damage to cable lines, Internet lines, electrical wiring, natural gas pipes, propane pipes, and sewer pipes.

Removing rodents from your home can be challenging, but there are several effective methods that you can use.

1 . Identify Entry Points: Seal off any entry points where rodents might be entering your home. Common entry points include gaps around pipes, vents, doors, and windows. Use materials like steel wool, wire mesh, or caulk to block these entryways.

2. Traps: Set up traps in areas where you’ve seen rodent activity. There are different types of traps available, including snap traps, live traps, and electronic traps. Place traps along walls or in areas where rodents are likely to travel, such as near food sources or along known pathways.
3. Baits and Poisons: Rodenticides can be effective in controlling rodent populations, but they should be used with caution, especially around pets or small children. Follow the instructions carefully and place baits in areas inaccessible to children and pets.
4. Keep Food Sealed: Rodents are attracted to food sources, so it’s important to keep food stored in airtight containers. Clean up crumbs and spills promptly, and avoid leaving pet food out overnight.
5. Remove Clutter: Rodents like to hide in cluttered areas, so keeping your home clean and clutter-free can help deter them. Remove piles of debris, old newspapers, and other items that provide hiding spots for rodents.
6. Maintain Outdoor Areas: Trim back vegetation around your home and keep outdoor garbage cans tightly sealed. Rodents often nest in outdoor areas before making their way indoors.
7. Ultrasonic Repellents: Some homeowners use ultrasonic repellents, which emit high-frequency sounds that are unpleasant to rodents. While there is some debate about their effectiveness, some people find them to be a helpful deterrent.
8. Professional Pest Control: If you’re dealing with a severe infestation or if your efforts to control rodents on your own have been unsuccessful, consider hiring a professional pest control service. They can assess the situation and implement a comprehensive plan to eradicate the rodents from your home.

It’s important to be persistent when dealing with a rodent problem, as it may take time to fully eliminate them from your home. Additionally, taking preventative measures to seal off entry points and eliminate food sources can help prevent future infestations.

Every year, over two million poisonings are reported to poison control centers across the United States. According to the U.S. Health Resources & Services Administration, more than 90% of those poisonings occur at home.

Being aware of common household poisons is essential for maintaining a safe environment, especially if you have children or pets. Here’s what you should know about common household poisons.

1. Types of household poisons: Common household poisons can include cleaning products, medications (prescription and over-the-counter), pesticides, plants, and certain foods.
2. Symptoms: Symptoms of poisoning can vary widely depending on the substance ingested or exposed to, but may include nausea, vomiting, diarrhea, difficulty breathing, dizziness, confusion, seizures, and unconsciousness.
3. Store household poisons out of reach of children and pets, preferably in locked cabinets or areas. Keep products in their original containers with child-resistant caps. Never transfer substances to food containers, as this can lead to confusion.
4. Labeling: Ensure that all containers are clearly labeled with their contents, and follow the instructions for use and storage provided by the manufacturer.
5. Dispose properly: Dispose of unused or expired medications properly. Many communities have medication take-back programs or provide guidelines for safe disposal.
6. First Aid: In case of poisoning, call you local poison control center or emergency services immediately. Follow their instructions and provide as much information as possible about the substance involved.
7. Carbon Monoxide: Carbon monoxide (CO) is a colorless, odorless gas produced by appliances such as gas stoves, furnaces, and water heaters. Install CO detectors in your home and ensure proper ventilation of these appliances.
8. Lead: Older homes may have lead-based paint, which can be a source of lead poisoning, especially for children. If you suspect lead paint in your home, consult with professionals for safe removal.
9. Safe Use of Chemicals: When using household cleaning products, pesticides, or other chemicals, always follow safety instructions, use gloves and protective clothing if necessary, and ensure proper ventilation.
10. Plants: Some common houseplants can be toxic if ingested. Research plants before bringing them into your home, especially if you have pets or small children.
11. Training: Educate yourself, your family members, and caregivers about the potential hazards of household poisons and how to respond in case of an emergency.
12. Storage of food: Store food properly to prevent contamination or accidental ingestion of harmful substances. Keep toxic substances away from food preparation areas.

By being proactive and informed about common household poisons, you can help prevent accidents and ensure the safety of your household.

Keeping your dog safe in the car is important for both their well-being and yours. Here are some tips to ensure your dog stays safe while traveling:

1. Use a crate or carrier: A sturdy crate or carrier is one of the safest options for traveling with your dog. Make sure it’s properly secured in the car and large enough for our dog to stand, turn around, and lie down comfortably.
2. Harness or seat belt: If your dog doesn’t like being in a crate, consider using a special harness that attaches to a seat belt. This will keep them secure and prevent them from moving around the car freely.
3. Don’t let them ride in the front seat: Airbags can be dangerous for dogs, so it’s best to kee them in the back seat. Additionally, they can become a distraction for the driver if they’re in the front.
4. Keep their head inside: Dogs love sticking their heads out of car windows, but this can be extremely dangerous. Flying debris or insects could injure them, and they could even jump out of the window if they see something interesting.
5. Take regular breaks: Just like humans, dogs can get restless on long car rides. Make sure to stop every few hours to let them stretch their legs, go to the bathroom, and get some water.
6. Never leave them alone in the car: Even if it’s just for a few minutes, never leave your dog alone in a car, especially in hot weather. Care can heat up very quickly, leading to heatstroke and even death.
7. Secure loose items: Makes sure any loose items in the car are securely stowed away. In the event of a sudden stop or accident, these items could become projectiles and injure your dog.
8. Keep them hydrated: Make sure your dog has access to fresh water during the trip. Bring along a spill-proof bowl and offer water regularly, especially on hot days.
9. Use sunshades: If you’re traveling in sunny weather, consider using sunshades on the windows to keep the car cooler and protect your dog from direct sunlight.
10. Be prepared for emergencies: Pack a first-aid kit for your dog and familiarize yourself with basic pet first-aid procedures. Also, make sure your dog is wearing identification tags with your contact information in case they get lost.

By following these tips, your can help ensure that your dog remains safe and comfortable while traveling in a car.

Peer-to-peer (P2P) vehicle sharing is a form of car rental or sharing service where individuals rent out their personal vehicles to others, typically on a short-term basis. Unlike traditional car rental companies, where vehicles are owned and managed by the company itself, P2P vehicle sharing platforms connect vehicle owners directly with renters through an online platform or mobile app.

How it generally works:

1. Listing vehicles: Vehicle owners list their cars on the platform, providing details such as make, model, availability, and rental pricing.
2. Finding and booking: Renters browse available vehicles on the platform, select the one that suits their needs, and book it for a specific period, often paying through the platform.
3. Key Exchange: Depending on the platform, they key exchange may happen in various ways. Some platforms use keyless entry systems on lockboxes, while others require a physical key handover between the owner and renter.
4. Usage and Return: The renter uses the vehicle for the agreed-upon period, and then returns it to the owner. Typically, the vehicle should be returned in the same condition it was rented out, and any additional charges for damages or excess mileage may apply.
5. Review and Feedback: After the rental period, both the owner and the renter may leave reviews and ratings for each other, helping to build trust within the platform’s community.

Peer-to-peer vehicle sharing offers several benefits, including:

Cost Savings: Renters often find P2P sharing to be more affordable than traditional car rental services.

Convenience: With P2P sharing, renters can often find vehicles available in their local area, providing more convenient access to transportation.

Choice: P2P platforms often offer a wide variety of vehicles, allowing renters to choose the one that best fits their needs, whether it’s a compact car for city driving or a larger vehicle for a family trip.

However, there are also challenges and considerations, such as insurance coverage, vehicle maintenance, and trust between owners and renters. Many P2P sharing platforms address these concerns through insurance policies, verification process, and user reviews.

Are You Covered as a Host?

A reality that is oftentimes overlooked is the fact that if you offer your car to someone on a P2P app, most personal auto policies will not cover the vehicle while it’s being used in a car sharing program.

Insurance companies believe that the risk is far too great to cover on a personal auto policy. Reasons include:

• Driving records or renters are unpredictable
• Drop-off and pick-up locations can add risk

Renters may be unfamiliar with an area, which may increase the risk of accidents.

Are You Covered as a Renter?

If you rent a car using a P2P platform and are involved in an accident, you may run into some complications. Your own auto policy will cover you when you rent a car for personal use, but if you do so through a rental agency or a P2P platform, coverages may not be as broad as the coverages listed on your own personal auto policy.

Scenario 1: You rent and do not opt for additional coverage.

If you rent a vehicle while you’re on vacation and choose to not have additional insurance coverage through the P2P platform, typically the broadest coverages that you’ve selected for your own vehicle transfer to the rental vehicle, including deductibles, liability, comprehensive and collision options.

If you’re involved in an auto accident in a P2P vehicle and only have liability coverage, you could be responsible for damage to the P2P rental. The coverage limits that you’ve selected on your own policy also apply, so if your limits are less than the damages, you could be responsible for the difference.

Scenario 2: You rent and you choose coverage through the P2P company.

This is more risky because the insurance coverage that is offered through the P2P company many not be sufficient enough to fully cover you in the event of a claim. It’s best to speak with one of our licensed professionals. They can advise you on the best option for you.

Car insurance from a rental car company and car insurance from an insurance carrier differ primarily in terms of coverage, cost, and flexibility:

1. Coverage:

Rental car company insurance: Typically provides basic coverage such as collision damage waiver (CDW) and loss damage waiver (LDW), which may cover damage to the rental vehicle in case of an accident or theft. However, coverage may be limited and may not include liability coverage for injuries or damages to other parties or property.

Insurance carrier: Offers a range of coverage options including liability coverage (for injuries or damages to others), collision coverage (for damage to your vehicle), comprehensive coverage (for non-collision events like theft or natural disasters), and additional options like uninsured/underinsured motorist coverage and personal injury protection (PIP), depending on your policy.

2. Cost:

Rental car company insurance: Typically charged daily and can significantly increase the overall cost or renting a vehicle. It may seem convenient, but it can be more expensive compared to insurance from an insurance carrier.

Insurance carrier: Generally, provides more cost-effective coverage options, especially if you already have an existing auto insurance policy. Adding rental car coverage to your existing policy or purchasing a separate rental car insurance policy may be more economical in the long run.

3. Flexibility:

Rental car company insurance: Coverage options and terms are typically limited to what the rental company offers. You may not have much flexibility in choosing the coverage that suits your specific needs.

Insurance carrier: Offers more flexibility in terms of coverage options, limits, deductibles, and customization based on your individual requirements. You can tailor your policy to include the specific coverage you need for your rental vehicle and adjust it as necessary.

To summarize, while rental car company insurance provides immediate coverage for rental vehicles, it often comes with limitations and higher costs compared to car insurance from an insurance carrier. It’s essential to carefully consider your coverage needs and to compare costs before deciding on the best option for your rental car insurance.

Have you ever driven through steep mountains? If you have, perhaps you’ve noticed signs that ready “chains or snow tires required”.

Such signs are meant to serve as warnings to drivers of potentially hazardous winter weather driving conditions. When lights on these signs are flashing, it means that state traction laws in are effect, meaning that drivers must have the proper tires or equipment in order to safely pass through the steep snow or ice-covered roads ahead.

Tire chains, also known as snow chains or tire cables, are devices that are made of metal links or cables that are wrapped around the tires of a vehicle, typically automobiles or trucks. They serve to provide additional traction and grip on snowy or icy roads, improving vehicle control and reducing the risk of accidents in adverse weather conditions.

Why would you use tire chains?

1. Increased traction: Tire chains provide extra traction by biting into snow and ice, allowing the tires to maintain grip on slippery surfaces where regular tires might slip or skid.

 

2. Improved handling: With better traction, your vehicle will have improved handling, making it easier to accelerate, brake, and steer safely in snow and ice.

 

 

3. Enhanced safety: Using tire chains can significantly reduce the likelihood of accidents in wintry conditions, helping to prevent skidding and loss of control.

 

4. Legal requirement: In some areas with heavy snowfall or icy conditions, it’s a legal requirement to use tire chains on vehicles during certain times of the year. Failure to comply with these regulations can result in fines or penalties.

 

 

5. Peace of mind: Knowing that you have tire chains available provides peace of mind when driving in winter conditions, especially if you encounter unexpected snow or ice on the road.

 

 

It’s important to note that tire chains are typically designed for temporary use in extreme conditions and should be removed once road conditions improve. Using tire chains on dry or paved roads can cause damage to both the chains and the road surface, as well as potentially impairing vehicle handling and braking.

Choosing the proper wood for your fireplace is essential to ensure that you have a pleasant, safe experience when cozying up to the fire. Here are some key suggestions to think about:

1. Seasoning: Use seasoned firewood. This means that you have given the wood the time it needs in order to dry properly. Green or wood that has just been freshly cut contains a lot of moisture, which can cause excessive smoke, difficulty lighting, and inefficient burning. Seasoned wood burns much more cleanly and efficiently.

 

2. Storage: Make sure you store your firewood in a dry area that is well-ventilated and is away from your home or other structures. This will help prevent mold growth and greatly reduces the risk of pests. If you are stacking your firewood, make sure it is elevated off the ground on pallets or racks to promote air circulation and to prevent moisture buildup.

 

 

3. Species: Not all wood burns the same. Hardwoods like oak, maple, and birch tend to burn longer and produce more heat than softwoods like pine or spruce. Choosing the right type of wood for your specific needs is important to ensure it’s appropriate for your fireplace or wood stove.

 

4. Size: Be sure to cut your firewood into manageable sizes that fit easily into your fireplace or stove. Pieces that are too big can be difficult to handle and may not burn efficiently. In an ideal situation, pieces will be around 16-18 inches in length.

 

 

5. Safety precautions: When handling firewood, be sure to wear appropriate protective gear such as gloves and eye protection in order to prevent splinters and debris from entering your eyes. Be careful when chopping or splitting wood to avoid injuries.

 

6. Check for pests: Before you bring your firewood indoors, be sure to inspect it for signs of pests such as termites, ants, or beetles. These insects could infest your home and cause damage that could lead to a home claim on your insurance policy.

 

 

7. Proper disposal: Dispose of ashes safely by allowing them to cool completely before removing them from your fireplace or stove. Be ssure to place ashes in a metal container with a secure lid and store it away from combustible materials until they can be properly disposed of.

 

8. Fire safety: Never leave a fire unattended, and and always make sure it is completely extinguished before leaving the area or going to bed. Keep a fire extinguisher nearby in case of emergencies. Additionally, make sure to have properly functioning smoke detectors installed in your home.

 

 

If you follow these tips, you’ll be able to enjoy the comfort, warmth, and ambiance of a wood-burning fire while also minimizing the risk of accidents or injuries.

Whip out the chips, dip and soda: it’s time for a viewing party!

Get ready for your guests: Rearrange furniture to avoid crammed spaces and be sure to create a clear pathway to the bathroom or snack table. If you choose to move your television, make sure that the cord is not stretched too far as it could pose as a tripping hazard. Stay on top of what the weather forecast will be. If the forecast is calling for snow, be proactive and shovel and salt your sidewalks to avoid slips and falls.

Let your neighbors know. If you reside in a condo or an apartment building, be sure to let your landlord know that you’ll be expecting company. Nobody likes too much noise and you definitely don’t want to receive a noise complaint. It really puts a damper on the party!

Test your tech. To avoid any mishaps or problems with your plans, make sure that you test your entertainment equipment before your guests arrive to ensure everything is functioning properly. Your guests will appreciate your proactiveness. Also, be sure that your router is secure to avoid the risk of being hacked. Having a secure password for your WiFi can ensure that your network remains private.

Prep your kitchen. Again, proactiveness is key when you’re hosting any event. If you plan to cook anything, especially for a lot of people, make sure that your cooking equipment is in good working order.

Know your host liquor liability. In most states, the host of any party is deemed responsible for what their guests end up doing when they get behind the wheel. Serve plenty of food for your guests and have non-alcoholic beverage options. If one of your guests has had too much to drink, do not hesitate to call an Uber.

Check with your insurance agent. Nobody likes to be in a situation where they thought their homeowners insurance policy covered something when that’s not the case. Give us a call at 301-948-2010 to review your homeowners insurance policy if you have any questions or concerns before your party begins.

When temperatures drop during winter, you run the risk of having your pipes freeze. To prevent this from happening and having a costly insurance claim on your hands, take a proactive approach to home maintenance. Here’s how:

1. Insulate pipes: Make sure that you insulate exposed pipes, especially those in unheated areas such as crawl spaces, attics, and exterior walls. Use pipe insulatation sleeves or wrapping materials like foam to give your pipes some added protection from the elements of nature.

 

2. Seal cracks and openings. Seal any gaps or cracks in walls, floors, or around windows and doors in order to prevent cold air from entering or reaching your pipes.

 

 

3. Keep the temperature inside your home consistent. Maintain a consistent temperature in your home, especially during cold spells. Even if you’re away, don’t shut off the heat entirely. Keep the temperature set to least 55 degrees Fahrenheit.

 

4. Open your cabinet doors. Allow warm air to circulate around pipes that are underneath sinks and in cabinets by keeping the cabinet doors open during extremely cold weather.

 

 

5. Maintain a slight drip in your faucets. Allow faucets that are connected to vulnerable pipes to drip slowly. This will help relieve pressure in the pipes, thus reducing the risk of having them freeze. Even a small drip can make a huge difference.

 

6. Disconnect and drain outdoor hoses. Disconnect garden hoses and drain the water from outdoor faucets and irrigation systems before the first freeze.

 

 

7. Insulate outdoor faucets. Use faucet covers or wrap your faucets with towels, foam, or other insulating materials so that they are protected from frigid temperatures.

 

8. Heat tape or cables. Install electrical heat tape or cables on vulnerable pipes, especially those located in extremely cold areas. Be sure to follow manufacturing instructions carefully.

 

 

9. Monitor your pipes. Make sure you’re keeping an eye on pipes that are prone to freezing, especially during extremely cold temperatures. If you notice reduced water flow or suspect freezing, take action immediately.

 

10. Use a space heater. In areas where pipes are susceptible to freezing, use a portable space heater to provide additional warmth Be cautious with space heaters and follow safety guidelines.

 

 

11. Shut off your exterior water. If you have a shut-ff valve for outdoor faucets, close it and drain the water from the pipes leading to those faucets.

 

By taking these precautions, you can greatly decrease the chance of having your pipes freeze and experiencing the horrible consequences that come with damaged pipes.

Being a parent to a teenager who is just about to get behind the wheel of a car for the first time can be a very nerve-racking time. As a parent, all you want to do is everything in your power to keep your kids safe. And giving your teenager the keys to the car for the first time marks the period in your life where you are forced to give up that feeling of security because your child’s safety is no longer in your hands. However, what we are seeing nowadays is something rather unusual – or at least something unfamiliar. Young drivers are waiting longer to get their drivers licenses.

Why the Decreased Interest?

In today’s digital world, there is less need to drive. Mobile apps give consumers the ability to order food delivered straight to their door.

Rideshare apps are popular. The younger generation now has the option to use rideshare apps such as Uber and Lyft to get from point A to point B which means there’s less need for them to have their own car. According to the Pew Research Center, 51% of Americans between 18-29 have used a rideshare service, while only 24% of those aged 50 or older.

Urban lifestyles. Many people are avoiding moving out of cities. This means there is often less need for a car, as access to restaurants and other amenities are within walking distance of residential areas.

Environmental concerns. As technology improves and gaining access to new information becomes easier, younger generations have become more concerned about their own individual footprints.

Rising costs. Inflation has become a serious concern for a lot of people. As the cost of everyday goods and services continue to increase, consumers are doing everything they can to make ends meet. Owning a car is expensive and includes such costs as maintenance, gas, insurance, etc.

ERIE can over you discounts to help you.

Youthful Driver Discount applies to unmarried drivers under the age of 21 who live with their parents.

For young drivers who participate in accredited driver training courses, ERIE offers a Driving Training Discount

A College Student discount may be available to those living away from home without a vehicle.

Unmarried young drivers may also qualify for a Youthful Driver Longevity Discount, which gives credit for consecutive years spent insured under another’s ERIE auto policy (usually a parent or a guardian).

Getting engagement is one of the many great milestones of life. Your engagement ring serves as a symbol of that milestone and that you’ve found the person that you want to build a life with.

As with any big financial investment, having insurance for such an investment is a smart decision to make. We all know how life can throw us curveballs when we least expect it. You could be doing something as simple as washing dishes in the kitchen sink when your ring suddenly slips off of your finger and down the kitchen sink drain.

Do not fret because there are ways to protect yourself should such an unfortunate occurrence come to pass.

A more common reason for filing an insurance claim is physically losing the ring or having one of the stones fall out from the setting. Having routine inspections of your ring may be a way to prevent this from happening.

Loose prongs are a leading cause for the loss of gemstones. Sometimes, a ring may become caught on an article of clothing which can bend the metal that holds the gem in its place. Again, routine inspections can help prevent this from becoming a major problem.

Losing a piece of jewelry at the gym is common.

Whether for sentimental reasons or practical ones, some of us may be reluctant to remove our jewelry before a workout.

You shouldn’t have to choose to between losing weight or losing your jewelry. Be proactive and set yourself a reminder to remove your jewelry and store it in a familiar, secure place before your complete your workout.

If you ever find yourself in a situation where you can’t keep your jewelry at home i.e. if you go to the gym after work, store it in a secure locker.

In most cases, a typical homeowners insurance policy can cover an engagement ring, but it does depend on how much the engagement ring is worth. Considering the fact that – as of 2022 – the average couple spent $6,000 on an engagement ring, it’s probably a smarter decision to have that engagement ring insurance by itself. To do that, you schedule that piece of jewelry. This means that you are insuring the ring based on its appraised value, rather than limiting coverage to the sublimit that is associated with a homeowners or renters policy.

Typically, insurance for rings costs $1 to $2 per every $100 that your ring is worth. So, if your ring is valued at $5,000, the cost to insurance it might range somewhere between $50 and $100 per year.

We’ve all been to the doctor for an annual check-up. Well, a coverage review is similar to a check-up, except that with a coverage review, you are reviewing all of your current coverages in your insurance policies to make sure you have sufficient protection in case of disaster striking.

Having an insurance agent that you can call is a sure-fire way to ensure that your policies are up-to-date with the appropriate coverages. And, as your life changes, so should your insurance policy. When you call your insurance professional, you will have the opportunity to add or subtract coverages depending on your current, specific needs.

When you call your insurance professional for a coverage review, you should be ready to tell him or her about any life changes that have occurred since your last check-in. These include but are not limited to: personal information (mailing address, phone number, email address, and all of the family members living in your home). Be certain to make them aware of any name changes due to marriage or divorce, or if you’ve recently had a new little addition to your family. When you have accurate, up-to-date information on your policy, it will help ensure there are no delays in the event of an insurance claim.

When you contact your insurance professional, you will need to inform him or her of any changes to the drivers covered under your policy. This could be a child about to get their driver’s license or someone living with your who makes regular use of one or more of your vehicles.

If you have upgraded your home in any way i.e. renovated your kitchen, remodeled a bedroom or finished a basement, you’ll need to report those changes to your agent. They will be able to update your policy to reflect these changes. Whenever you make major improvements to your home, it increases the value of your home. As a result, you may need in a higher limit on your homeowners insurance policy. If you fail to make these changes to your policy, you may be left with a coverage gap. Coverage gaps can leave you underinsured if you need to repair or rebuild your home if the unexpected happens. Guaranteed Replacement Cost is the perfect way to make sure that no matter what happens, your insurance will have you covered. With Guaranteed Replacement Cost, you won’t face financial ruin.

If you’ve recently purchased any new boats, ATVs, or golf carts, you may want a different insurance policy. While insurance may not be required for watercraft and off-road vehicles, they are still a significant investment that should be protected. The same goes for valuables such as musical instruments or jewelry. Be sure to send a copy of your home inventory to your insurance agent. With that information, they can help you determine whether or not you need personal valuables insurance.

If you have recently retired or if you are working from home, because of the fact that you’re not making that daily commute, you may be eligible for discounts on your auto insurance.

Safe Driving Discount: If you have a good driving record with little to no claims, you could be eligible for a discount on your auto coverage.

Car Safety Equipment Discounts: If your car is equipped with safety equipment like factory-installed air bags, passive restraint, anti-theft devices, and anti-lock brakes, you could get a discount on your auto policy.

Multi-car Discount: If ERIE insures more than one car that you own, you could get a discount. All cars on your policy must be owned by you and driven by only the drivers listed on your policy.

Multi-policy Discount: If you have a qualifying life insurance policy or home policy in addition to your Erie auto policy.

Reduced Usage Discount: If you do not use your car for a least 90 consecutive days during the policy period, you could be eligible for a discount.

Young Drivers: Unmarried drivers under the age of 21 who live with their parents may be eligible for savings on their auto premium.

Annual Payment Plan: If you pay your premium in a lump sum, you could get a discount.

Changing Your Deductible: Generally, you can lower your insurance premium by raising your deductible.

According to the National Fire Protection Association, seven percent of residential fires were caused by fireplaces and chimneys between 2016 and 2020. Additionally, chimney fires were responsible for over $200 million in property damage.

Chimney fires are often a result from the accumulation of creosote, a byproduct of burning wood. This sticky substance is, oftentimes, undetected and, because of its elusiveness, can lead to a catastrophic fire.

Creosote build-up can still result is costly repairs, even without the existence of a fire. If a fire does break out, you could lose your home.

The average chimney service costs about $250 – depending on the level of inspection required. Although this may be a costly service, not using this kind of service could result in an even more costly mistake.

Hiring a professional to do a thorough inspection is a good idea. They will be able to take accurate measurements of critical components i.e. the size of the firebox and the clearance from a wood stove. Once that is completed, a certified inspector will then recommend whether or not your chimney needs sweeping and which type is best for your specific needs.

Level One Inspection

If you regularly maintain your chimney, a level one inspection may be sufficient enough. During this procedure, a professional will:

Measure all readily accessible components.

Determine if your chimney needs sweeping based on factors such as debris blocking air ducts and creosote buildup.

Level Two Inspection

If you’re a new homeowner or have never had a level one inspection, the additional detail in a level-two inspection may provide more peace of mind.  A level two inspection would include:

• Inspection of accessible areas of attics, basements and crawl spaces
• Inspection of accessible areas of the chimney exterior and interior
• Inspection of accessible portions of any appliance and chimney connection(s)
• Video scanning, or other thorough inspection, of the flue interior
• Evaluation of the flue lining to determine if the material & sizing is appropriate

Level Three Inspection

A level three inspection is the most extensive of inspections and is the one that you are least likely to need unless your chimney is severely damaged.

This type of inspection is needed when a level one or level two inspection have already given you indications that there are hidden problems within your chimney or that special tools may be needed to access concealed areas. A level three inspection may also include the need for tearing out building materials to reach potential problem areas.

Make sure that you find a professional with the Certified Chimney Sweep Credential (CSIA). This will ensure that the person completing the task will have a keen understanding of tools, techniques, and processes needed for a thorough chimney inspection.

You can’t drive if you can’t see. Safe driving stars with clear visibility. When it comes to maintaining good visibility behind the wheel, drivers should pay attention to their windshield wipers. Inspect them closely to see if they need to be replaced. If it’s raining and you notice that your wipers are not working as effectively as they usually do, it might to time to replace them.

Fog can be a real menace to your safety if you’re not careful. Depending on weather conditions, your windshield could become foggy in an instant.

What causes your windshield to fog? Well, when the difference between the temperature and moisture of the air inside your vehicle is dramatically different from inside your car, fog appears. This is because cold air does not retain as much moisture as warm air does. If it’s cold outside, the warm air inside your vehicle likely contains more moisture, thus resulting in your windshield fogging up.

How can you defog your windshield? Try these tips.

Use the “defrost” mode.

Manually adjust your climate settings.

• Turn up the heat. Set your heat to a high level and turn the defroster fan up to its highest speed.
• Turn on the air conditioning. Your air conditioning system will remove humidity from the air coming through your vents.
• Turn off air recirculation. The symbol for this button mostly likely looks like a U-turn arrow inside an outline or your vehicle. When it’s on, the car will recirculate the warm air that is inside your vehicle through the vents. When it’s turned off, your car is able to draw the cold, dry air from outside to help the defogging process.

Crack your windows. The air from outside your car can quickly reduce the humidity inside your car.

You may think that wiping the fog from your windshield is a quick and effective way of improving your visibility. It may be quick, but it’s not effective. When the condensation returns, it’s likely to leave streaks on your windshield, actually making visibility worse.

If windshield fogging is a common occurrence for you, you can purchase certain products at various auto parts stores to combat the problem. These products are specially designed to add a protective barrier to the glass that prevents tiny water droplets from sticking. Applying this solution and then wiping it away should greatly reduce your fog problems.

 

Every new year, we all have new hopes and new goals that we want to achieve. Whether it’s paying closer attention to our physical health by watching what we eat or by joining a gym, a fresh start is something we all want for ourselves and our loved ones. As 2023 draws to a close and we approach the coming new year, we all want to put ourselves in the best possible position for lasting success and prosperity. While all of this sounds wonderful, none of it matters if something bad happens to us on New Year’s Eve. Here’s everything you can do to ensure that your New Years remains safe and fun for yourself and your family.

Consider your liquor liability: If you are planning on hosting a gathering where alcohol is to be served, take it upon yourself to make sure that no one who chooses to consume alcohol drives a car afterwards. In many states, you could be held legally liable for any personal injuries sustained or damage to vehicles if the person who left your party drunk gets into an auto accident.

Plan your activities: Games and activities for your guests are a great way to make sure that your party runs smoothly.

Serve plenty of food: Planning a menu is a great way to maintain your own peace of mind and to reduce stress levels. Procrastination is a real stress activator. Consult with your guests about food allergies before making your menu for your party. Having plenty of options for your guests, along with non-alcoholic beverages is a sure-fire way to ensure that your evening remains safe and stress-free.

Keep your guest list small: The usual saying when it comes to parties is “the more the merrier”. This may not be the case if you have people in your home you do not know very well or that you do not trust.
Again, in order to maintain that peace of mind and joy throughout the evening, be sure to keep your guest list to those with whom you have a close relationship and those whom you can trust.

Have a designated driver: Encourage your guests to have a designated driver for the evening, so that when the evening concludes, everyone can return to their homes safely. Other options could include Uber and Lyft, but the point is to not allow anyone to drive home drunk.

Shelve the fireworks: Fireworks are a potential hazard and can lead to house fires. They are especially risky when alcohol enters the equation.

Going out to celebrate the new year?

If you choose to go out for the evening to celebrate, follow these tips to make sure you get back home safely:

Choose a designated driver: Driving under the influence of alcohol creates a dangerous situation for yourself and other drivers on the road. Whether it’s Uber, Lyft, calling a cab, or having a friend not consume alcohol for the evening, we all want to stay safe. Do not drink and drive.

Celebrate with friends: You’ve seen a football team gather into a huddle to call the next play at a game. Well, gather with your friends and make sure that everyone looks out for each other during the evening.

Charge your phone: Make sure your phone has a full battery before leaving your house for the night. Having a dead phone makes it a lot more difficult to get a safe ride home if you need to.

Eat before you leave: Any food that you’ve consumed before leaving your house will help slow the effects of alcohol.

Don’t leave your car overnight: Leave your car in the driveway or in your closed garage. Don’t forget to lock the doors. New Year’s may be a time to celebrate with loved ones, but it’s also an opportunity for criminals to do what they do.

With the introduction of the I-Phone on June 29, 2007 — life as we knew it – changed forever. How much so is something we wouldn’t fully understand, certainly back then.  In the years that followed, other smartphones would be created as well. The way in which we shared and consumed information would not only change forever, but our access to such information would be accessible at a rate we couldn’t imagine. Although we’ve seen a lot of upside to this newfound luxury, nothing comes without its downsides.

Internet-connected toys typically have a built-in microphone and speaker and could potentially expose children and others to harm, including but not limited to theft of data or identity.

Smart toys do run the risk of being accessed by criminals, just as with as other smart device. What should you know about these toys?

• Search the internet for articles or complaints pertaining to these products regarding their security or privacy issues.
• Using such words as “toy name” or “firmware” or “software” update in your search should give you plenty of information.

If you are not familiar with these types of toys, there are a few features that you should become aware of. First, you should know what the microphone and speaker within the toy will be doing. What is its purpose? Does it communicate back to the child and answer questions? Does it record? How long does it hold onto a recording? Be careful with the kind of data that you share. Always review the terms, conditions and privacy policies of these items in order to understand how the data being collected will be used and protected.

If the toy has a Bluetooth function capability, what does the Bluetooth connection do? Is there a PIN associated with it? Without a PIN, that Bluetooth connection may be accessed by anyone and monitored to find vulnerabilities. A PIN does add another layer of security, deeming the connection locked, so that other devices cannot access it.

What data is being accessed by the pairable app? Does it need access to an email or credit card? Does it connect to social media accounts or pages? Does it require access to a photo gallery?

Search for parental controls. Are there parental controls inside the app or toy? How can a parent manage data and its use?

Christmas tree lights symbolize love, joy, and unity. They are part of a long-lasting tradition in which families and friends come together in celebration. While Christmas can be a joyous occasion, if you’re not careful, your holiday has the potential to go up in flames. Why? House fires.

According to the National Fire Protection Association, an average of 160 home fires are caused by Christmas tree every year. These fires burn rapidly and can destroy everything in its path, sometimes resulting in up to $10 million in property damage.

What Causes a Christmas Tree Fire?

If you have a real tree that is decorated with Christmas tree lights, that tree is going to need ample amounts of water to stay hydrated. Otherwise, it can and will dry up. A dry tree can become a dead tree. And a dead tree can become a serious fire hazard. A tree that is well-maintained will not catch fire as easily as one that has dry branches and needles.

How to Prevent Your Christmas Tree from Catching Fire

Water your tree. Filling your tree stand with warm water when you first get home will allow it to absorb the water more quickly after a long drive.

Choose the perfect spot. In order to prevent fires, choose a location for your tree that is a free from heating vents, fireplaces, or candles.

Inspect your lights. According to the National Fire Protection Association, nearly 20% of Christmas tree fires start because of decorative lights. Before you begin decorating, inspect your string lights for any frayed wires or damage that could potentially cause a fire.

Turn the lights off when you aren’t home.

The winter season brings with it many familiar (and unwanted) driving traditions: Dark commutes thanks to shorter days with less sunlight, the morning routine of clearing snow and ice from your windshield, and

To help drivers navigate the challenges that come along with cold, ice and snow, there’s no shortage of winter driving tips. But unfortunately, not everything you’ll hear is really advice worth following.

To help you separate fact from fiction, here’s the truth behind 10 of the biggest winter driving myths.

1. You should warm up your car before driving in cold weather.
   It’s long been said that letting your car idle for a while before driving is good for your engine. But while it’s no fun getting into a freezing-cold car during the winter months, the practice of warming up your vehicle can do more harm than good.

   Not only does warming up your car waste fuel and create unnecessary exhaust emissions, but extended idling does nothing to benefit your engine. Your car’s engine is fully lubricated after less than a minute of idling. And the fastest way to warm up your vehicle is by getting behind the wheel and driving. Anything else is just a waste of time and money.

2. Letting air out of your tires will improve traction.
   Don’t fall for the old advice of letting a little air out of your tires to create better traction. Your car’s tires were designed to be inflated to a specific pressure (measured in pounds per square inch, or PSI). Keeping them underinflated won’t give your wheels better traction. In fact, it may actually make it harder to stop.

   To find your car’s recommended tire inflation pressure, look for a sticker on the driver’s side door jamb or in your owner’s manual. And remember to regularly check your tire pressure during the winter months. You should do this because lower temperatures lead to lower tire pressure, which, in turn, leads to

3. Four-wheel drive makes it safe to drive in the snow.
   There’s no doubt that owning a vehicle with four-wheel or all-wheel drive can carry a definite advantage when driving in snow or ice. But it’s not a silver-bullet for winter driving. That’s because safe winter driving relies more on having the right tires and by developing good driving habits.

   Know your limitations as a driver, and don’t let overconfidence or overestimating your vehicle’s capability get you into a dangerous situation. Even if your car is equipped with four-wheel drive, anti-lock brakes, traction control, winter tires or other safety features, never let good judgment and smart driving be swept aside by a false sense of security provided by vehicle technology.

4. Pouring hot water on your windshield makes ice melt fast.
   On the surface, it makes sense that hot water would be an easy way to melt a frozen windshield. But pouring hot water on ice-cold glass is usually just a recipe for broken glass. Plus, the puddle it leaves behind can lead someone to suffer a nasty spill.
5. You don’t really need winter tires.
   The popularity of modern “all-season” tires has led many to assume that winter tires are no longer necessary. But the truth is, you’ll always get better traction in cold, ice and snow from a set of dedicated winter tires.

   Winter tires feature a more aggressive tread pattern and different rubber compounds that remain more pliable when freezing temperatures hit. While they do require a seasonal tire change, winter tires remain the safest solution when driving in places where the temperatures drop below 45 degrees during the winter months.

6. There’s nothing you can do about black ice.
   There are plenty of stories that tell of the dangers of black ice. And it’s universally feared for good reason: Because unlike snow and sleet, black ice can be practically invisible to an unsuspecting driver.

   But just because black ice is often invisible doesn’t mean you’re rendered helpless if you encounter it. If you find yourself on black ice, maintain your speed and don’t suddenly apply the brakes or gas pedal. Then, turn your steering wheel into the skid until you regain control of the vehicle. Once that happens, steer your car in the direction you want to go.

   Remember: Gentle control inputs from both the steering wheel and pedals can help prevent a spin – even on black ice.

 

1. Emergency kits aren’t necessary for urban drivers.
   Sure, the thought of having an emergency kit in the trunk makes sense for rural drivers who rarely travel in densely populated areas. But it’s often said that emergency kits aren’t necessary when you live in a more urban area.

   Unfortunately, that’s just not true. If you’re trapped in a winter storm, it could take a tow truck hours to reach your location. And extreme winter weather could make it unsafe to walk to a nearby store or residence. For those reasons, it’s important to carry an emergency kit along with you –  no matter where you live or drive.

2. Winter car washes are a waste of money.
   We can all appreciate the benefits of driving a clean, shiny car in the summer. But keeping your car clean during the winter months is a tougher task.

 

With changing economies, it’s not uncommon to see costs increase. There are several factors that can contribute to these changing costs. From gasoline, to housing, to the cost of your insurance, everything is affected in some way or another.

Inflation: The Consumer Price Index (CPI) rose by 4% compared to 2022. What this means is that all of us are paying 4% more for the same goods and services we paid for a year ago.

Vehicle parts: The car industry was even more affected by inflation. The cost of vehicle parts rose by closer to 8.3%. This is a pretty significant increase when typical increases range between 2 or 3%.

Repair costs: Recent supply chain issues such as the car chip shortage as well as labor market pressures have caused repair costs to increase even more, by as much as 14.2% since 2022. On top of that, limited supplies and fewer workers can cause repairs to take longer. Because of this, customers are forced to use rental cars for longer periods of time, resulting in the cost of claims increasing as well.

Vehicle prices: The cost of used vehicles increased more than 27% in 2021. New vehicle costs are up more than 14%.

Driving again (and faster): Drivers are driving their cars faster than ever before, reporting to be driving at extreme speeds of 20 mph over the speed limit or even more.

Accidents: It makes sense that because drivers are driving much faster, that auto accidents have not only increased in frequency but also in severity. The National Highway Traffic Safety Administration has reported an increase of 12% in fatalities. That’s the largest increase since reporting began in 1975.

How You Can Save on Your Auto Insurance

Ask about pay plan discounts

Consider ERIE’s Rate Lock option. With this feature, your insurance premium will remain the same year after year, even if you have a claim. The only way your rate will change is if you add or remove a driver to your policy, add or remove a car, or change your address.

Look at your deductibles. If you have a low deductible, that probably means your insurance premium is higher. By increasing your deductible (what you pay upfront before your policy kicks in), your insurance premium will be significantly less.

Review your mileage. Are you working from home more often and driving less than before the pandemic? You could be eligible for a lower rate based upon how many miles you’ve driven in one year.

Bundle your policies. If you only have auto insurance, by adding a homeowners insurance policy or an umbrella policy, your rates will decrease.

What is a Lithium-ion Battery?

Every type of battery creates electricity by turning chemical energy into electrical energy. It does this by using chemical reactions to create a flow of electrons from one material to another. We’ll spare you the rest of the science lesson. The important thing to know is that the materials used (lead-acid, alkaline, nickel-cadmium, etc.) all have different charging properties.

Lithium batteries use – you got it – lithium in metal or ion (Li-ion) form as their anode material. And they come with several advantages. Lithium-ion batteries are easily rechargeable and have the highest energy density of any battery technology, meaning they pack more power into a smaller space. They also can deliver a voltage up to three times higher than other battery types. For this reason, you’ll find lithium batteries in almost all modern portable electronic devices.

The list includes smartphones, laptops, tablets, eReaders, smart watches and Bluetooth headphones. Larger lithium battery packs are also used to power things like electric scooters, hoverboards, e-bikes and even electric cars.

How to Store a Lithium-ion Battery

If you’ve flown on an airplane or shipped a package recently, you’ve probably seen warnings related to proper lithium battery storage. That’s because lithium batteries have been known to cause fires when they’re damaged or stored improperly.

To safely store your lithium-ion batteries, follow these tips:

• Avoid temperature extremes. Experts say the ideal temperature for storing lithium batteries is around 60 degrees Fahrenheit. Storing a battery in extreme hot or cold temperatures will reduce its lifespan. That includes exposing your battery to direct sunlight.
• Keep them dry. Wet or humid environments can cause lithium batteries to rust or leak. In a worst-case scenario, moisture could even create an electrical short.
• Store them partially charged. For longer-term storage, keep your batteries at about a 40 to 50 percent charge. Storing a fully charged battery can reduce its storage capacity. And when you store a completely dead battery, you risk it dropping to a zero-voltage state. When this happens, the battery may not be able to recharge – rendering it permanently disabled.
• Remove batteries from your device. When storing a battery for long periods of time, remove it from the device, if possible. Even if your device is powered off, there is still a small electrical current running through the battery – which can cause a complete discharge over time.
• Store in a safe place. Never store lithium-ion batteries near flammable or combustible materials.

When bringing your devices inside, make sure you store them in an area that won’t block a means of egress in the event of a fire. For example, storing a regular bicycle near your back door would be fine, but you wouldn’t want to do that with an e-bike. Lastly, make sure that your smoke detectors are functional and will warn you right away if there’s a fire.

How to Charge a Lithium-ion Battery

To get the best performance out of your lithium battery, try to recharge it before it’s completely dead. A good rule of thumb to follow is plugging in your device when the battery reaches 10 to 20 percent of its remaining capacity.

A fully discharged battery adds extra stress to the components, which can reduce its lifespan. So it’s always better to top off your device’s charge throughout the day than to wait for it to die completely.

It’s also worth noting that overcharging can damage lithium batteries, too. While most devices have protective circuits to prevent overcharging, you may still want to consider unplugging your device or battery from the power source after it’s been fully charged. Speaking of charging, only use the charging cable or dock that was provided with your device. Other chargers (while they may claim to charge faster) can damage the battery.

It is a well-known fact that winter can bring about frigidly cold weather conditions, and, you, like so many others, probably do anything and everything you can in order to remain warm during the colder months. A lot of homeowners spend a lot of their time and attention on keeping themselves warm inside their homes. But, what about outside your home? Patio heaters are an option.

Patio heaters are specifically designed to radiate heat outward where people are gathered. For this reason, you won’t need to huddle around it in order to stay warm. Patio heaters have different fuel sources – usually propane, electric or natural gas.

If you are going to be using an outdoor heater, be sure to set it up in an area that is well-ventilated. These areas include patios, terraces, gardens, and outdoor porches or decks.

For safety reasons, do not use a patio heater in enclosed areas i.e. buildings or garages. Also, make sure they are not too close to the ceiling of a covered deck or patio. Using a patio heater in an area that is not well-ventilated leaves you at risk of starting a fire or could also lead to suffocation or poisoning rom carbon monoxide fumes. Experts recommend keeping a clearance of at least three feet around your heater.

How much you pay for your patio heater depends on a few factors. For instance, the size and quality of your heater will impact the cost. The cost of an electric tabletop heater can be as low as $100 while a commercial-style gas heater could cost you $500 or more.

How do you figure out the size of the patio heater that you need? Multiply the size of your space (in cubic feet) by the desired temperature increase.

For example, raising the temperature of a 10-by-10 foot patio by 40 degrees Fahrenheit – assuming an 8 foot heater height – would require a 32,000 BTU heater (10x10x8x40 = 32,000).

When deciding which patio heater to purchase, you’ll choose from three main fuel sources. Each fuel source has it’s upsides and downsides.

Propane patio heaters: These types of patio heaters work similarly to a propane barbecue grill. They are the most portable heater option because the fuel comes from a metal propane tank. The downside to this one is that the heater will shut off as soon as you run out of gas. For reference, for a 40,000 BTU patio heater, a full 5-gallon propane cylinder will last you around 10 hours.

Electric patio heaters: Because these heaters do not run on gas, they do not need to be ventilated because there is no open flame. For this reason, they can be great for areas such as covered decks and porches. Also, because they function like a space heater, they can be permanently mounted below a ceiling. Although electric heaters will only put out about 5,000 BTUs of heat, it is said that they provide a more comfortable experience and feeling of warmth.

Natural gas patio heaters: With a natural gas patio heater, you will never run out of fuel. Because these heaters are hooked directly into your home’s natural gas line, these heaters are the least expensive to operate. They do, however, need to be installed by a professional. A positive is that you won’t need to carry around a propane tank. A con to this version is that they are less portable and you will need to fork up more money initially.

When used properly, patio heaters are a safe way to keep your family safe during the cold winter months. To ensure that your heater is being used properly, pay attention to these tips:

Give it space. Your patio heater will generate a lot of heat. In order to prevent fire hazards, keep your heater a safe distance away from walls, ceilings, furniture, carpet, or any other flammable material. Three feet is the recommended distance.

Find a level spot. You don’t want your heater to tip over, so make sure you place it on a flat surface.

Check for leaks. Apply a soapy water solution to your gas tank in order to check for leaks. The giveaway is if you see bubbles rising from any connection points or if you smell gas. If you suspect a gas leak, have your setup inspected by a professional.

Light it safely. Most heaters have an electric ignitor button while others require you to light it yourself. Make sure you are a safe distance away from the flame. If the burner does not light immediately, turn off the heater and wait about five minutes. This waiting period is meant to prevent gas buildup which could lead to a potential explosion.

Keep a fire extinguisher nearby. Just remember, Class B for gas, Class C for electric, or you can use a multi-purpose extinguisher that works for both.

Watch it carefully. Never leave a patio heater unattended and always make sure that little children and pets are kept a safe distance away. Do not use your heater when weather conditions contain winds of 10 mph or stronger.

Cover it up. Storing your heater properly can help prevent wear and tear and eventual breakdown. Proper storage can prevent your heater from becoming clogged with bugs and debris and can prevent rusting.

Reducing the risk of a fire at your business is one of the most important things you can do to help protect your customers, employees and property. The U.S. Fire Administration reports that more than 116,500 nonresidential building fires occurred in 2021. Those fires caused 1,025 injuries and almost $3.7 billion in damages.

The Unseen Costs

For business owners, these damages can be more costly than physical repairs. It could mean weeks, or even months, of impaired operations while your property is restored. Factors such as loss of productivity, litigation and damage to brand reputation can have far-reaching effects that are difficult to anticipate. When a fire results in injuries, the human cost is incalculable.

So, what steps can you take to help ensure a crisis like this doesn’t happen at your business? Give these four tips a try:

1. Check potential fire hazards.

According to the American Red Cross, there are a number of common hazards in any home or business that are likely to be the source of a fire. Conduct a survey of your business and examine these potential problem areas:

• Make sure machines and equipment are clean and well-maintained.
• Keep any combustible objects away from space heaters or furnaces.
• Properly store flammables in cabinets and away from ignition sources.
• Check appliance cords and replace any broken connectors or cracked insulation.
• Use only one extension cord for each power outlet.
• Allow room behind any appliances to allow air to circulate and prevent overheating.

2. Ensure you have the proper safety equipment.

Every business should have functioning fire extinguishers, but it’s also wise to consider smoke detectors, sprinklers or a fire alarm. Remember, the life expectancy of a smoke detector is only 8-10 years.

Look into a specialized fire suppression system if your business has large operations or machinery that is capable of overheating, commercial cooking equipment or especially flammable materials onsite.

3. Make sure your equipment is up to date.

Did you know that fire extinguishers have a shelf life of 5-15 years – even if there is no expiration date listed? Over time, these devices can lose their pressure, so make sure your extinguisher is working properly by checking the pressure gauge every month. If the needle is in the yellow or red section, it may need to be repaired or replaced.

Be sure to replace your extinguisher if you notice any of these signs:

• The hose or nozzle is cracked, ripped or jammed.
• The locking pin is unsealed or missing.
• The handle is missing or unsteady.
• The inspection sticker or service record is missing.

4. Communicate with your staff.

To ensure the safety of your employees, regularly and reliably communicate your fire safety procedures. This is especially important when a portion of your staff is not regularly on-premises, such as in a hybrid work model where some employees work from home.

• Provide a clear and easily accessible emergency protocol — one that not only accommodates employees with disabilities, but those who may not be in the office on a consistent basis.
• Keep both on-premises and remote employees up to date with the protocol by regularly using electronic and hard-copy questionnaires, quizzes and sign-off acknowledgments.
• Describe evacuation routes with maps that can be referenced physically and digitally embedded in electronic communications.
• Explain how emergency notifications will be delivered, whether it’s through voice communication or a sound like a bell, whistle or horn.
• Make sure your evacuation plans accommodate employees with disabilities, such as someone with hearing loss or who uses a wheelchair.
• Provide training, such as fire drills, to practice your emergency plan and make use of videos wherever possible to keep remote employees up to date for those times they are in the office.
• Remind your employees not to store anything on stairways or along your fire escape routes.

Be Prepared

As a business owner, you expect your insurance to be there when things go wrong. But did you know that Erie Insurance is here to help you identify these risks in the first place?

Everyone loves a good scare on Halloween, but if you have loved ones—especially little ones—your number one priority is their safety. Fortunately, there are proactive measures you can take to ensure that your kids have a happy and fun–but most importantly safe—Halloween.

On average, children are more than twice as likely to be struck by a car and killed on Halloween than any other day of the year.

To make sure that your kids are safety this year, here are a number of steps you can take to keep them safe:

Carry glow sticks or flashlights, use reflective tape or stickers on costume and bags, and wear light colors to help kids see and be seen by drivers.

Join kids who are under the age of 12 for trick-or-treating.

Slow down and stay alert! Kids are excited on Halloween and may jump out into the street, giving little to no thought to potential drivers on the road. Turn your headlights on, so that kids will be visible to you as you drive. You should also be making a mental note to expect kids to be close to the roads, so drive with caution.

Remind kids to cross the street at corners or crosswalks.

When selecting a costume, make sure it is the right size to prevent trips and falls. Whenever possible, choose face paint over masks. Masks can limits children’s vision.

Costumes that are bright in color are more easily visible, so if you can, wear bright colors.

Travel in groups.

Once your kids are finished trick-or-treating for the evening, inspect their candy carefully before allowing them to consume those tasty treats. Be on the lookout for anything sharp that could cause injuries and if anything seems weird or suspicious, throw it away. It’s better to not take chances. Use your intuition.

Winter doesn’t have to be a completely miserable time for you and those you care about most. It’s no secret that temperatures drop significantly during the winter, but with the proper planning and preparation, you could just make this winter a great one, filled with long-lasting, fun-filled memories.

Create a cozy atmosphere

Light up your gathering space. Electric lanterns or candles placed on tables and strings of hanging lights can create a rustic, homey glow.

Offer seasonal (and easy-to-serve) fare. From cinnamon and pumpkin to cranberries and ginger, fall and winter offer a delectable flavor palette. Plan your seasonal menu around food staples. Make a giant batch of chili and offer an assortment of toppings. Have a dessert tray filled with cinnamon rolls, pumpkin rolls, pies, fudge, cake, and more. Hosting an outdoor gathering can be a lot more work than an inside event. If you’re planning on being outside for your gathering, choose items that are easy to prep and serve.

Have a warm beverage bar – and designate one person to be your bartender. User thermal carafes for hot water to make hot chocolate (using single-serve packets), warm cider, coffee or one of your favorite adult beverages. Use single-use cups and have your guests write their names on them so that no one picks up the wrong one. If you’re not comfortable serving, ask your guests to bring their own favorite hot beverage along with copies of recipes that they can share with everyone.

Keep Your Guests Warm

Set up outdoor patio heaters. Keep the chilly air at bay by renting – or buying – outdoor patio heaters. These units are specifically designed to radiate heat outward, where people are gathered. This means that you can benefit from the heater’s warmth without having to stand too close to it.

Build an outdoor fire. One of the quintessential sounds of a chilly evening is the sound of wood crackling and the smoky scent of an outdoor fire. This is a great way to add a festive glow to your soiree while keeping visitors nice and warm. From store-bought to homemade, you have a lot of options. Safety should always be your number one priority.

Have extra blankets on hand. Help your friends and family ward off the chill by having a stack of blankets on hand. You can encourage them to bring  their own as well, but it’s nice to have extras should someone forget – or want to use another one.

Outdoor Winter Game and Activity Ideas

Host a backyard game tournament. Cornhole or ladder golf? Enjoy a little friendly competition with your guests where both kids and adults can get in on the action.

Plan a scavenger hunt. You can set up brackets and offer a grand prize to the winners.

Make an outdoor movie theater. What better way to enjoy a night under the stars than watching your favorite seasonal holiday movie? The setup is pretty easy. All you need are the following:

• A projector
• A plain white sheet or projector screen
• A media player (DVD player, computer or laptop. Some projectors offer inputs for streaming sticks (just make sure your Wi-Fi reaches to where you’re planning to set up outside)
• An extra speaker
• An extension cord or power strip

The Surprise Tenants: Why Mice Love Cars

Mice are attracted to the warmth and seclusion that a car offers. Add to this the food particles and paper for nesting, and your car turns into a desirable residence for these rodents. But worry not, knowing their presence is half the battle won. Here are some reasons why mice might choose your car as their home:

• Warmth: Mice don’t care for cold temperatures, so they need a warm place to live. Your car’s engine provides the perfect source of heat, especially during the winter months.
• Seclusion: Mice are prey animals, so they prefer to live in secluded areas where they feel safe from predators. Your car’s interior provides a perfect hiding place from both predators and humans.
• Food: Mice are omnivores, and they will eat just about anything. If you leave food in your car, it will attract mice. Even crumbs from a snack or a half-eaten piece of fruit can be enough to lure a mouse in.

Signs of a Four-Legged Freeloader

Although an industrious rodent can make your car undrivable, evidence of a mouse in your car might not always be obvious. You should keep an eye out for signs like:

• Chewed wires: Mice are notorious for chewing on wires. This can damage your car’s electrical system and cause expensive repairs.
• Small droppings: Mouse droppings are small and dark brown. They are often found in corners, under seats, and in other hard-to-reach places.
• Nesting materials: Mice will often build nests in your car. These nests can be made from a variety of materials, such as paper, fabric, and even your own hair.
• Smells: Mice have a strong odor. If you notice a strange smell coming from your car, it could be a sign of a mouse infestation.
• Scurrying noises: Mice are nocturnal, so you might hear them scurrying around in your car at night.

Risks: More than Just a Nuisance

It’s not just the “ick” factor. A mouse infestation in your car can lead to serious problems. They can:

• Destroy wiring: This can cause expensive damage and even lead to a fire.
• Spread diseases: Mice can carry diseases, such as Hantavirus, that can be harmful to humans.
• Damage your car’s interior: Mice will chew on anything they can get their teeth on, including your car’s seats, carpets, and even the dashboard.
  Waving Goodbye: Getting Rid of the Mouse

Waving Goodbye: Getting Rid of the Mouse

The key to ousting these furry freeloaders is twofold: removing their access and cutting off their food supply. In case of a severe infestation, you might need professional pest control services, so an early jump on the problem could save you some money:

• Clean your car thoroughly. Remove all food and trash from your car. Vacuum up any droppings or nesting materials. Wipe down all surfaces with a disinfectant.
• Seal up any entry points. Mice can squeeze through very small openings. Check your car for any gaps or holes, and seal them up with caulk or weatherstripping.
• Use traps. Place mouse traps in areas where you have seen signs of mice. Be sure to check the traps regularly and dispose of any mice that are caught.
• Use repellents. There are a variety of mouse repellents available on the market. These repellents can be sprayed or placed in your car to deter mice.
• Avoid leaving your car unattended for long periods of time. If you must leave your car unattended for an extended period of time, consider storing it in a garage or other secure location.
• Call a pro. If you have a severe mouse infestation, you may need to call a professional pest control company.

Keep in mind: the best method to ensure a rodent-free car is prevention. With a clean, sealed car and no easily available food, you’ll create an environment that’s decidedly inhospitable to mice. If you follow these steps, you’re more likely to keep your car mouse-free, ensuring your vehicle stays in the best possible condition for all your future journeys.

 

A few leaves in your gutters may not seem like a big deal at first. You’d be right. It’s not. It’s when you continue to neglect your gutters and more and more leaves get clogged inside that can and will present a problem.

Gutters are specifically designed to divert water away from your home. This is extremely important because even a little bit of water can cause a lot of damage. And a lot of damage means you’ll be paying a lot of money for repairs to your home.

What Can Happen If I Don’t Clean My Gutters?

Foundation Issues

When there is heavy rainfall, the excess water needs a place to flow to. A gutter that is functioning properly will carry that water through a downspout and away from your house. A clogged gutter actually does the opposite, allowing the water to spill over the sides and down your walls. When water has the ability to pool, it can cause erosion which weakens the walls, thus leading to foundational cracks and settling.

The worst part of a scenario like this is that serious structural problems are not covered by most homeowners insurance policies.

Broken Gutters

Whenever your gutters are clogged, the water that is collected has no place to go. Because of this, your gutters overflow with water. When each gallon of water weighs as much as eight pounds, that extra weight can take a serious toll on your gutters, either bending them or tearing them away from your roof altogether.

It’s important to keep in mind that the average cost of replacing your gutters can range anywhere from $1,000 to as much as $7,000. Maintaining that your gutters are free and clear of debris will not only give you peace of mind; it will do wonders for the health of your bank account.

Wall and Ceiling Damage

Clogged gutters can also cause damage to the inside of your home when water leaks inside. Water can rot the boards that your gutters are mounted to, or it can flow behind the siding of your home.

In either case, moisture can enter your home, forcing you to have to replace wood, insulation and drywall. All of this can add up to a hefty sum.

Ice Dams

Were you aware of the fact that clogged gutters can cause damage during winter as well? When temperatures drop, water that is trapped inside your gutters turns to ice. This is what’s known as an ice dam. When ice and snow melts and has no place to travel to, it can go underneath your shingles.

Wet Basement

If you’re the type of person that stores a lot of your belongings in your basement, listen up. Wet basements can contain harmful mold and mildew, causing significant damage to your belongings, not to mention your overall physical health.

Insect Infestations

Pooling water in your gutters can be a haven for mosquitos. Damp mud and leaves can be an attractive place to bees and wasps to build their nests.

Is Damage From Clogged Gutters Covered by Homeowners Insurance?

Most homeowners insurance policies do not cover damage caused by normal wear and tear or neglect. Procrastination is your enemy when it comes to maintenance of your home. Damage caused by neglecting your gutters will most likely need to be paid for out of pocket.

If you’re like most people, your garage is packed with boxes and boxes of stuff. Your best-case-scenario is that you have a tiny bit of clutter to deal with. At worst, your garage contains fire hazards that could pose a threat to your home as well as the overall safety of yourself and your loved ones. Did you know that 5% of house fires start in a garage? To find out how you can prevent a massive headache and a hefty insurance claim, review this list of common garage hazards.

Heating hazards

The danger: ERIE typically does not cover garages that are heated by wood stoves and space heaters unless they are in a specially designated sealed-ff area of the garage where hot air is piped in for heat. This is due to the fact that heating devices with an open flame can potentially emit gas fumes that are highly flammable and could cause a fire.

What you can do: If your heating device is cleared for use in a garage, you will want to take a few safety precautions. First, keep anything that can burn at least three feet away from heating equipment. This includes items that are combustible such as car batteries, as well as general clutter like piles of rags or stacks of loose papers.

Electrical hazards

The danger: Wiring, extension cords, plugs, circuit breakers, transformers, light fixtures and battery chargers can cause a fire when they malfunction.

What you can do: Make certain that your wiring and lighting is in compliance with your state’s laws, use bulbs with the proper wattage and do not overload outlets. To ensure that everything works properly, have an electrician install more receptacles so you don’t have to use extension cords.

Chemical hazards

The danger: Chances are you have a virtual stockpile of flammable chemicals like motor oil, paint, gasoline, fertilizers and lighter fluid in your garage.

What you can do: Don’t smoke inside your garage. All it takes to ignite a fire is one spark. Instead, head out to the driveway or sidewalk. Store any chemicals out of direct sunlight and far away from any heat or ignition sources. Be sure to check containers for cracks or defects.

Vehicle and power tools

The danger: When oil and gasoline from cars, motorcycles, power tools and lawnmowers drips and collects over time, the possibility of a fire becomes very real.

What you can do: Regularly check your vehicles and power tools. If you notice any leaks, clean up the spill ASAP by spreading an absorbent material such as kitty litter over them. Then sweep up and safely dispose of the material before taking care of the repair.

Cooking equipment

The danger: Ovens, microwaves, charcoal grills and gas grills can ignite the flammable stuff in your garage.

What you can do: They call it a cookout for a reason, so make sure you only use your grill outside and a good distance away from your garage. Propane tanks pose a special danger, so store them outdoors—they’re sturdy enough to handle the elements.

As a final precaution, make sure to stash a fire extinguisher and install a fire alarm in your garage.

 

More one and a half million drivers are involved in deer collision every year, causing nearly $1 billion in damage to vehicles, according to the National Highway Traffic Safety Administration.

What about the all too common stories that everyone has seemed to have heard about deer collisions? Are the stories true?

6 Common Myths About Deer

Myth: Deer are more active at sunrise and sunset.

True.

It’s possible to encounter deer at any time of day. However, dusk and dawn are their most prominent hours of activity. Deer tend to move most frequently during twilight. If you are driving as the sun is either rising or setting, be sure to be especially cautious behind the wheel.

Myth: It is more likely that you will hit a deer during the fall season.

True.

Almost half of all vehicle collisions involving deer occur between October and December which also happens to be deer mating season as well as peak hunting season. So, be extra cautious on the roads during these months.

Myth: Deer whistles can help prevent collisions.

False.

There has never been evidence to suggest that deer whistles effectively prevent collisions. In fact, a study at the University of Georgia discovered that no matter how loud or how high-pitched the frequency of the sound from the whistle, the sound wasn’t enough to change the deer’s behavior.

Myth: Hitting a deer is not that dangerous.

False.

Any collision, whether it’s with a deer, a wall or another vehicle can be dangerous. However, deer collisions tend to be more of an inconvenience than a clear and present danger. Of course, you should never be driving down the road fifty miles above the speed limit anyway. If you hit a deer at that speed, you’ll have a much bigger problem on your hands. Also important to remember is to know when to swerve and when to stay in your lane. Always be aware of the other cars on the road because you never want to be anyone else in danger.

Myth: More deer are present where you see “deer crossing” signs.

True.

Whenever you see a deer crossing sign, understand that it’s there for a reason. These signs are also usually placed in areas with less than optimal road conditions and decreased visibility.

Myth: If I hit a deer, I can take home the meat.

It depends.

Depending on the state, it might be illegal to take a dead deer home with you. Check with your local authorities before removing the animal from the road.

Does My Auto Insurance Cover Hitting a Deer?

If you have what’s referred to as comprehensive coverage on your auto policy, you will be covered if and when you collide with a deer.

According to firefighters, every second counts during a fire. In fact, house fires can double in size every minute that goes by. About half of home fire deaths happen between 11 p.m. and 7 a.m. when most people are sleeping.

But here’s the good news: There’s a simple step you can add to your nighttime routine to keep you safe.

Research from Underwriters Laboratories Firefighter Safety Research Institute (FRSI) shows that closing your bedroom door helps prevent a fire from spreading, lessens smoke damage and could even save lives.

Just like having the right homeowners insurance, a little preparation can go a long way to help you rest easy.

Here’s why it works: The more oxygen a fire has, the quicker it will spread. Keeping your bedroom door closed has been proven to slow the spread of a house fire. Additional benefits include reduction of toxic smoke levels and lower levels of heat inside the bedroom. It is important to note – within 60 seconds of a fire starting, ceiling temperatures can reach over 1,000° F.

Having the right kind of fire extinguisher nearby can also help. But when it comes to fire-related deaths, it’s usually not the flames that are to blame. Smoke and heat are actually more likely to cause suffocation and death.

Why Should You Sleep With the Door Closed?

When a door is closed during a fire, a person in that room experiences:

• More survivable temperatures: Temperatures typically stay below 100 degrees Fahrenheit.
• Livable oxygen levels: Oxygen levels read around 18%. (For comparison, regular room air is about 21% oxygen.)
• Less toxic carbon monoxide levels: Close to 100 parts per million (PPM) of carbon monoxide (CO).

When a door remains open during a fire, a person in that room is exposed to:

• Less survivable temperatures: Temperatures can get hotter than 1,000 degrees Fahrenheit.
• Low oxygen levels: Oxygen levels can decrease to 8%, making it harder to breathe.
• Extremely toxic carbon monoxide levels: Dangerous levels can increase to 10,000 PPM of CO.

How Much Time Do You Have to Escape a Fire?

Forty years ago, the average time people had to safely escape a fire was 17 minutes. Today’s homes only allow for three minutes or less to evacuate. Why? Modern synthetic construction materials, lower quality components, home furnishings and contemporary layouts allow fire to spread and become toxic much faster than in the past.

But don’t panic — even three minutes is a lot of time to escape a fire if you remain calm, have a plan and close doors in your home. One way to prepare is by establishing a fire escape plan with your family and practicing it twice a year. (It’s also a good idea to test your smoke alarms once a month to ensure they work properly and that everyone knows what they sound like.)

While you’re practicing your fire escape plans, remember to cover these additional safety tips:

• Roll off your bed, don’t stand up if your smoke alarm wakes you up from sleep.
• Use the back of your hand to test your door for heat (and don’t grab the doorknob – it could be HOT). If it’s cold you can open the door, but if it’s hot, you need to find another exit.
• Crawl, don’t walk, if there’s heavy smoke in your home. Heat and smoke rise, so cooler, fresher air is low to the ground.
• Never go back in for pets or other people. Your safety is the most important.
• Remember Stop, Drop and Roll if your clothes catch on fire.

One final tip: When you escape a fire, remember to close the door behind you once you exit. This will cut off the oxygen to the fire and may stop the fire’s growth.

As the days become shorter and the temperature dips, the inevitable appears on the horizon for every boater: winter.

But don’t let the impending off-season blow you off course. By planning to properly winterize your boat, you’ll confidently end the season knowing you and your beloved ship will be ready to take on the waves as soon as the snow passes and spring arrives.

A winterization plan largely consists of answering three primary questions:

• Who will winterize the boat?
• What steps need to be taken?
• Where will the boat reside during the winter?

Answering “Who?” might be as straightforward as looking in the mirror. Or, it might require a bit more calculation to recruit your winterizing crew. Here are some pros and cons to consider:

Self-winterization

As a proud and handy boat owner, you’re perfectly capable of taking on this task. Think of it as tucking your boat in before its long winter nap.

• It’s more cost-effective.
• It gives a personal touch to the winterization process.
• It requires a good understanding of the boat’s engine and systems.
• There’s a risk of incorrect winterization without proper knowledge.

Professional Winterization

However, if you’re not a fan of engine grease, you might prefer to hire professionals. Using experienced professionals can eliminate a lot of doubt and second-guessing.

• Pros bring specialized knowledge and the right tools to the job.
• Using professionals eliminates the risk of incorrect winterization.
• Professional care is typically more expensive than doing it yourself.
• You won’t have the same personal connection to the process, so you may sacrifice some valuable learning opportunities.

You can always acquaint yourself with winterization by watching some instructional videos — like those offered by Boat Buyer’s Secret Weapon. You’ll be better prepared to make a decision about who’ll winterize your craft when you understand the effort involved.

Once you’ve established who will do the winterizing, it’s time to delve into the “What?” category. Steps you take here will be a decisive factor in how quickly you get back on the water next spring, so it’s important to get them right.

Here’s a summary of important tasks:

• Changing the engine oil is vital to prevent ice damage. The first step in this process involves the engine oil. It must be replaced since old oil and winter mix as well as cats and water. Drain the old oil, introduce the new and your boat engine will be grateful.

• Flushing and draining the cooling water is crucial for a frost-free voyage. Your next task is to address the water in your engine. If neglected, it can freeze, expand and cause more drama than you’re likely to appreciate. So flush and drain it to avoid any frosty situations.

• Stabilizing your fuel is essential for smooth sailing. Next, there’s the surprisingly delicate realm of fuel. Gasoline can decay quickly, resulting in a sticky, expensive-to-remedy mess. To prevent this, introduce a high-quality marine fuel stabilizer to keep your engine running smoothly. Just make sure to run the engine once the stabilizer has been added.

• Cleaning, waxing and covering is necessary for overall protection. The last part of the “What?” involves cleanliness. Give your boat a thorough clean, wax it and, finally, cover it with a sturdy cover.

Keep in mind: even if you choose to have a professional winterize your watercraft for you, having a good checklist will allow you to “trust but verify” that the job is done correctly.

Once the “Who?” and “What?” have been decided, it’s time to address the important question: “Where?”

Depending on your checkbook, your yard-space and how much of an eyesore your spouse considers your drydocked dinghy, you may have tricky choices to make. Here are the pros and cons of several common options: outdoor storage, indoor storage and dry stack storage.

Outdoor Storage

• It’s usually the most cost-effective option.
• It often accommodates larger boats.
• Your boat will be exposed to weather and potential damage.
• Security can be a concern.

Indoor Storage

• It offers the best protection from weather and potential damage.
• It usually has better security measures in place.
• It’s the most expensive option.
• Availability of space can be an issue.

Dry Stack Storage

• It provides better protection than outdoor storage.
• It is usually more available than indoor storage.
• It’s pricier than outdoor storage.
• There may be size limitations for your boat.

During a house fire, every second counts. That’s why it’s important for you and your family to be prepared.

Hope for the Best, Prepare for the Worst

Are you doing everything you can to help protect your family in the event of a house fire? Here are seven tips to make (or improve) your own fire escape plan:

1. Map your exits. Draw a map of your home’s floor plan and show it to your family. Then, establish two ways to exit from each room. If you have young children, take a walk around your home to show them exactly where each escape window, door or route is.
2. Determine a meeting place. Define one area where everyone should gather after escaping your home in the event of a fire. It should be a specific place, like a tree or mailbox, that’s a safe distance from your home’s structure. And make sure firefighters or emergency personnel can see you there, too.
3. Know who’s on point to help. Select a captain who will help young children or assist anyone who is unable to get out on their own, like seniors or those with limited mobility. Selecting one adult for this job will help eliminate further confusion during a chaotic time.
4. Teach your kids to get low. In a house fire, smoke can be as dangerous as flames. Explain to your children the importance of staying low to the ground during a fire. Practice crawling around the perimeter of a room to show them the proper way to escape.
5. Check your smoke alarms. Ensure that you have at least one smoke alarm on every level of your home. Then test them regularly to ensure their batteries work. Educate your kids and let them hear the sound of an alarm in advance, so they’ll recognize it during an actual emergency.
6. Practice, practice, practice. To make sure everyone understands the plan, conduct your own home fire drill. Send each family member to their room and have one person sound the smoke alarm. Start a timer and follow your designated routes to an outside meeting place. Then, check your escape time to ensure everyone makes it out in under two minutes.
7. Incentivize your fire drills. If you have younger kids, turn your drills into a game. See if you can speed walk from your bedrooms to your safe meeting space. If it happens under two minutes, reward everyone with a favorite dessert or a new toy. If you have an Amazon Alexa, you can play Pedro’s Fire Safety Challenge which teaches kids age-appropriate skills for handling a home fire.

Do you ever stop and wonder what your dog is thinking about? As humans, we only have a limited understanding of a dog’s emotions and how it communicates. One thing we know to be certain is that dogs love their owners more than life itself and want to do anything and everything to make them happy. One of those things is graciously accepting an invite to go for a ride in the car. Many dogs owners often do this fun activity with their furry friend. However, some dogs owners elect to leave their dog in the car when running errands. Little do they know that the temperature inside their car can increase rapidly, leaving their dog’s life in peril. In fact, car temperatures can climb to over 115 degrees Fahrenheit at times.

It doesn’t take much for your dog to overheat. Although dogs have the natural ability to cool themselves through their skin and by panting, hot weather is a different story and precautions should be taken. As an example, if it’s 70 degrees outside, your car’s temperature can climb to as high as 89 degrees. During the summer, it’s not unlikely that every day is above 70 degrees, which means that you should be paying extra special attention to your dog’s physical condition.

If you happen to see a pet inside a hot car and realize that the pet is in distress, your best action to take is to call local law enforcement. Once you contact law enforcement, stay by the vehicle until help arrives.

It’s important to know the signs of heat stroke: panting, drooling, and lethargy. If the pet is in the advanced stages of heat stroke, you may see that its gums are either grey or blue or that the pet has slumped posture, may be breathing heavily, or it may be in a state of shock.

Here’s what you should do in order to cool the pet down:

• Get them to an air-conditioned environment.
• Wet their ears and pads of their feet with cool water (not frigidly cold water)
• Place cool, wet towels over the shoulder/neck, under the front legs, and in the groin area.
• Refresh the water frequently.
• If the pet will drink, provide cool water or small ice chips.

Here’s what to do if the pet is unresponsive:

• Call an emergency veterinarian immediately and tell them you’re on your way.
• If you see that their gums are gray or blue, this is an indication that they are in immediate need of treatment and should be rushed to the nearest emergency treatment center.
• They will help cool the pet and may also give it subcutaneous fluids.
• It’s important to note that dogs with short noses or long hair are most at risk of heat stroke.
• On hot days, limit exercise to the early morning or late evening hours.
• Use the seven-second rule to prevent burning paws on hot pavement or asphalt. If the ground is too hot for you, it’s too hot for them.

During the hot summer, it may be best to keep your pets indoors and in a cool, controlled environment.

 

What is a Catalytic Converter?

A catalytic converter is a key component of your car’s exhaust system. Its job is to help reduce harmful emissions by cutting down on the amount of pollutants that exit the tailpipe.

How Does a Catalytic Converter Work?

Internal combustion engines generate power by burning fuel, like gasoline or diesel. When this fuel is burned, it produces exhaust gasses.

The majority of this exhaust gas contains nitrogen, carbon dioxide and water vapor – emissions which are mostly harmless. However, because your car is unable to burn 100% of the fuel that enters the engine, it also produces some harmful pollutants: namely carbon monoxide, hydrocarbons and nitrogen oxide. When these types of emissions enter the atmosphere, they can produce smog and acid rain.

We’ll spare you the full chemistry lesson, but a catalytic converter uses a “catalyst” to “convert” those harmful emissions into the less-harmful byproducts of nitrogen, carbon dioxide and water vapor.

To accomplish this, the converter uses a ceramic honeycomb-type structure to heat the exhaust gas. The ceramic is coated with several types of precious metals (platinum, rhodium and palladium), which serve as the catalyst. When your car’s exhaust gas interacts with these metals, they create chemical reactions that reduce the amount of harmful pollutants exiting the tailpipe.

Why Do People Steal Catalytic Converters?

There are two reasons why catalytic converters are being targeted for theft.

• Scrap metal for cash: The precious metals used as catalysts are valuable… and prices are on the rise. Currently, rhodium prices are around $12,000 an ounce. While the price of these metals frequently fluctuate, a typical catalytic converter can be scrapped for between $50 to $250.
• Resale for parts: Stolen catalytic converters can be sold to individuals or less-than-honest repair shops looking to save money over buying a new replacement part.

So between metals recycling and black market auto part sales, there’s money to be made from stealing catalytic converters.

How Do I Know if My Catalytic Converter Has Been Stolen?

You can’t tell if your catalytic converter has been stolen by simply looking at your car. But you’ll know as soon as you start the engine.

To steal a catalytic converter, a thief will need to crawl under your vehicle, cut both sides of the converter and remove it from the exhaust system. That means your car will essentially be running without a muffler, making the engine extremely loud.

What Should I Do if My Catalytic Converter Has Been Stolen?

If your catalytic converter has been stolen, it’s a good idea to call the local authorities and file a police report. Then, you should arrange to get your vehicle towed to a nearby repair shop.

Can I Drive My Vehicle if My Catalytic Converter Has Been Stolen?

Since your catalytic converter is only part of the exhaust system, your car can technically run without it. However, that doesn’t mean it’s a good idea to just drive off.

When the catalytic converter has been cut out, exhaust gasses will be released underneath your vehicle instead of behind it. Not only will this make your vehicle be loud, but you also run the risk of those harmful exhaust gasses entering the cabin.

And here’s one more thing to consider. If a thief has just been sawing away at the underside of your car, there’s a possibility other important components could have been damaged, too.

How Much Does it Cost to Replace a Catalytic Converter?

According to CARFAX, the average cost for a new catalytic converter ranges between $2,000 to $3,000. But for luxury vehicles and sports cars, it could cost even more.

Do I Have to Replace My Catalytic Converter?

Given the high replacement cost, you may be wondering if you need to replace the catalytic converter. Unfortunately for your wallet, the answer is yes.

Because your catalytic converter is designed to remove harmful pollutants, it’s actually federally illegal to remove it from your exhaust system. Additionally, a missing “cat” can trigger a check engine light, impact the performance of your vehicle and result in some foul exhaust smells.

Does Car Insurance Cover Catalytic Converter Theft?

If your catalytic converter has been stolen, you may not have to foot the bill alone. That’s because the optional comprehensive coverage on your auto insurance policy can pay for damages that occur outside of a car accident, such as vandalism, fire or theft. At Erie Insurance, this coverage includes catalytic converter theft.

That means if you choose to file an insurance claim, all you’ll have to pay is your deductible (the amount of money you pay toward repairing your car before insurance kicks in). If your catalytic converter is stolen, your local insurance agent can help you review your coverage and talk you through your options before you file a claim.

Are Some Cars at Higher Risk for Catalytic Converter Theft?

Catalytic converter theft is an opportunistic crime by nature. The easier it is for the thief to get away, the more likely they are to target your vehicle. This often puts high-riding vehicles like trucks and SUVs at greater risk because they don’t have to be jacked up for the catalytic converter to be removed.

How Can I Prevent Catalytic Converter Theft?

With the recent rise in catalytic converter thefts, some companies have started to make protective cages that can be installed over your exhaust system. Since this is mostly a crime of convenience, a cage will make your car less of an easy target. You can also get your VIN number etched on your catalytic converter.

Beyond that, your best chance at protecting against catalytic converter theft is to follow the same precautions that protect your car from vandals – like installing an alarm or parking in a safe, well-lit area.

Warm weather means it’s time to take the family out on the water – including your furry, four-legged family members. Whether your boat passengers have two legs or four, you’ll want to do all that you can to keep everyone safe as you sail or motor across the waves. Keep in mind these top 10 water safety tips for dogs this boating season:

1. Train your pets to swim. Some breeds love to swim and seem to know what to do instinctively. Others are not natural swimmers and need help to become acclimated to the water. If possible, acclimate and teach your dog to swim in a baby pool. A controlled environment is safer than a pond or lake. Fill the pool to no more than halfway up the length of the dog’s leg. Start with a three- to five-minute lesson. Repeat and increase the time gradually until the dog is more relaxed. Encourage your dog to have fun and play with floating toys. The next step would be to introduce your dog to deeper water. However, never force your pet to swim. If they repeatedly show signs of discomfort, it might be time to find a new activity for you two to enjoy.
2. Take your dog for a tour of the boat so they’re more familiar with their surroundings before you head out.
3. Secure a crate in a shady area on the boat to provide a place for your dog to take a break from the sun and to help them stay safe if you encounter rough waters. The crate can also serve as a sanctuary from a hot deck or steamy sand, which can be uncomfortable for a dog’s paws. Keep in mind that sunstroke can happen in minutes at any outdoor location, so be sure you provide a safe and cool place for your pet to rest.
4. Plan your trip to allow for frequent pit stops for your pet. A designated location on the boat covered in puppy pads, fake grass or another familiar material could also be used for bathroom breaks. But some dogs prefer to only go on land, so be prepared to stop.
5. Pack cleaning materials. Unfortunately, your pet can get seasick, too.
6. Bring pet identification, including pictures of you with your pet. It’s also a good idea to bring a copy of vaccination records in case marinas, parks or other destinations request them.
7. Always bring food/treats, lots of fresh water and extra collars and leashes when you travel with your dog. Never let them drink from the ocean, lake or puddles.
8. Stock up on an FDA-compliant sunscreen made for pets. Dogs with light-colored coats or noses can be especially sensitive to the sun and their skin can burn easily.
9. Bathe your pet after your day in the water. Hidden pests may linger in your dog’s fur.
10. Buy a pet life jacket. For breeds that are not typically swimmers, a canine floatation device (CFD) can give your dog extra support if they fall in the water. Even if your dog is a good swimmer, it’s not a bad idea to put them in one anyway. But make sure you pick a good one. Keep reading for information on what to look for in a CFD.

Tips for Buying a Pet Life Jacket

Dogs are a lot safer when wearing a life jacket. Just like humans, they can get tired from swimming for long periods or be swept away by waves. Unfortunately, unlike human life jackets, canine flotation devices have no ratings or regulations. What’s worse, the market is flooded with low quality CFDs. Resources like the U.S. Boating Foundation or the Whole Dog Journal have helpful information for pet parents looking to purchase a life jacket. Check out the industry’s list of what to look for in a CFD:

• Bright colors. Dark colors have low visibility and can raise your dog’s body temperature.
• Snug fit. A properly fitting life jacket doesn’t restrict the dog’s movement. It should be tight enough that your dog can’t twist, step or swim out of it. Conversely, the vest shouldn’t be so tight that it chafes or is uncomfortable for Fido.
• Handles on the back of the lifejacket make for a quick rescue when you need to lift your dog out of the water.
• D-rings, so you can attach a leash.
• Quality. Well-made products perform better.

Additional tips

On top of making sure your dog is properly suited up with a life vest and getting them acquainted with your boat, here are a few additional tips to help your furry friend have the best time.

• Pack a pet first aid kit. This can include flea and tick medication, antibiotics for minor scrapes or cuts, Dramamine and any medications your pet is currently on.
• Use dog-friendly boat ramps or steps to help your dog get in and out of the water easily.
• Water intoxication is a potentially fatal condition caused by ingesting too much water. Keep an eye on your pet, especially when they are fetching toys, diving and playing in the water.
• Travel with a friend and dive in only as a last resort. Jumping in to save a person or pet who has gone overboard increases the risk of drowning.

If you sustain damage to your underground service lines, because they are oftentimes deemed your responsibility, you very likely may be looking at a hefty bill when all is said and done.

A typical homeowners insurance policy does not come equipped with coverages for service lines. However, it possible to get coverage for these situations by adding an endorsement to your homeowners policy.

What Service Lines Might Run Under My Property?

Exterior underground service and utility lines include:

• Water and sewer pipes
• Cable, internet and electric wiring
• Natural gas pipes
• Propane pipes

How Service Lines Can Become Damaged

Service Lines can be damaged by tree roots, animals, electrical currents, a vehicle’s weight, corrosion, rust, and wear and tear.

Service lines are as fragile as they are essential. No matter what the cause of the damage is, repairing or replacing service lines is a costly endeavor. A homeowner may be required to dig up landscaping, driveways, or sidewalks in order to get access to the damaged service line. Add on top of that the cost of replacing trees, shrubs, and walkways and you’re looking at spending a very pretty penny.

If you have what’s referred to as an ErieSecure Homeowners Insurance policy, you have the option to purchase additional protection that will cover the cost of service line repairs as well as any excavation costs, outdoor property damage and even loss of use.

If you add this added protection, you will not regret it. Being able to maintain your peace of mind when disaster strikes is important. Your loved ones will thank you for being so diligent and prepared.

Service line coverage is available to you when you add either the Plus or Select bundle to your ErieSecure Home policy. This added layer of protection provides coverage for physical damage, caused by a covered service line failure, to exterior underground service lines i.e. cable, internet and electrical wiring. Additionally, natural gas, propane, and sewer pipes are covered.

 

As the weather gets warmer, it’s time to get your pool ready for the summer. Don’t be intimidated by the idea that pool maintenance is too much work for the average homeowner. If you follow these steps, you’ll be well on your way to enjoying the time in your pool with friends and family!

When Should I Open My Pool?

A most common practice is to open your pool during the first few weeks of May. As a benchmark, wait for the daytime temperatures to reach at least 70 degrees Fahrenheit. Don’t wait too long, though, because if you do, you may find most unwelcomed guest in your pool: algae that will turn your pool water a gross, green color.

Steps for Opening Your Swimming Pool

Clean up. Any leaves or debris that has built up during the off-season should be removed. Be sure to spray down the deck area surrounding your pool to wash away any dirt. While you’re at it, clean up any outdoor furniture as well. Once this is completed, move on to the pool cover.

The pool cover is designed specially to protect your swimming pool from dirt, water, and debris. It’s likely that your pool cover has its own mini pool of standing water. In order to remove this water, use a pool cover pump. This electric pump allows you to quickly and easily remove the water from the surface of the pool cover.

When you finish your spring cleaning, be sure to take note of any damage to your deck, ladder, fence, or pool cover that may have occurred during the fall and winter. Be sure to make those repairs before opening your pool.

Remove the cover. Most pool covers will be secured to the pool deck using a series of straps. Remove all of the straps. Get a partner to assist you in removing the cover. With one person on each end of the pool, slowly being to pull back the cover. Once the pool cover is removed, clean it thoroughly.

You could use a pool cover cleaner to effectively clean your pool cover, but the truth is, a car wash soap will do the trick. Using the soap and a soft broom, scrub away all of the dirt and grime from the surface of the cover. Once the cover is clean, rinse it thoroughly and allow it to dry. To be safe, your winter cover should be stored indoors, away from insects and rodents.

If you notice that your cover begins to crack or tear during the removal process, discard of it and buy a new one for the next season.

Reconnect the filter system. With the cover removed, you can now begin to remove all of the winterizing plugs from your pool’s filtration system i.e. the lines to your pump, wall returns and surface skimmers. Make sure that you reconnect all the lines and hoses. Check your filter and clean or replace it. If any other parts appear to show signs of wear and tear, be sure to replace them.

Add more water. It’s actually a common occurrence for a pool to lose a few inches of water during the off-season. Make sure your swimming pool is full before you start adding chemicals. This will help you avoid the need to balance your water chemistry twice.

If you’re using a garden hose to fill your pool, use a hose filter to prevent water contamination. As you add water, visually inspect the swimming pool liner for any signs of damage.

Turn on the filter. The next step is to power up your pool filter to check for any leaks around the tubes, hoses, and other connections. Be sure to pay attention to areas like plugs, gauges, and your pump’s sight glass. Experts recommend letting your pool’s filter system run for at least 24 hours before you begin testing the water and adding chemicals. This will allow the water to fully circulate for a more accurate reading.

Clean the pool water. Once your filter pump is active, use a manual pool vacuum to remove dirt, sediment, and debris from the pool floor. If you have large debris in your pool such as leaves, consider using a skimmer plate attachment. This device allows you to use the pool’s skimmer basket to collect the debris. This also allows you to avoid clogging your plumbing or filtration system. A skimmer net can be used to remove floating debris from the surface of the water.

Test your pool water. Now that your pool water is clean, it’s time to focus on your water’s chemistry. First, take a water sample using a clean cup or bottle. In order to get an accurate reading, avoid testing surface water. This can be accomplished by holding the sample container upside down, inserting it about a foot below the water surface, and then flipping it over to fill the water container.

Add chemicals. Based on the results of your water test, add certain chemicals to bring the water chemistry levels to the desired range.

• Alkalinity: Since alkalinity influences the pH balance of your pool, you’ll want to adjust these levels first. You can raise the alkalinity level by adding baking soda or lower it using muriatic acid or sodium bisulfate. The goal is to achieve an alkalinity level between 80-120 ppm (parts per million).
• pH: Your water’s pH level refers to the degree of acid or base in the water. It’s measured on a scale from 0 to 14, with an ideal range of 7.2-7.6 ppm. The pH of pool water can be raised with soda ash and lowered with muriatic acid or sodium bisulfate.
• Calcium: Calcium levels should be around 200-275 ppm for concrete or plaster pools and 175-225 ppm for fiberglass or vinyl pools. You can raise calcium levels with calcium chloride and lower them with a pool flocculant.
• Chlorine: Chlorine is used to sanitize your pool water. The recommended amount of chlorine in pool water is about 3 ppm. You can raise the level by adding chlorine and lowering it using a chlorine neutralizer.

1. Shock your pool. After balancing the water chemistry, add “pool shock” to kill any bacteria or algae that may have started growing over the winter months. The goal of shocking your pool is to raise the free chlorine level to about 10 times the combined chlorine level. So follow the instructions on your pool shock to ensure you’re adding the right amount of chemicals. Leave the filter running and by the next day, your pool should be ready for the first swim of the season. If you’ve had problems with algae in the past, you may also want to consider using an algaecide as part of your ongoing pool maintenance.

Everyone can come up with a reason why they think they don’t need or shouldn’t get a life insurance policy: too young, don’t have children, single, and the list goes on. However, there are several benefits to having a life insurance policy in place when you’re young.

A person could drive themselves crazy thinking of all the reasons why they don’t need a life insurance policy. Additionally, considering all of the different policy options, benefit amounts, premiums and riders can be overwhelming. On top of that, if you have a medical condition, it may be enough to convince you not to get a life insurance policy with the idea that it’ll cost you too much financially.

Want to know the truth about life insurance and medical health conditions? The reality is that there are many manageable conditions that people may have that don’t automatically disqualify them from getting a good price on a life insurance policy.

• Health conditions a medical professional is helping them successfully manage: These conditions could include high cholesterol, hypertension, asthma, thyroid conditions, heart murmurs, diabetes, being overweight and more.
• More serious conditions in their past: This can include heart attack or heart surgery, cancer, stroke and other diseases. Though insurers’ pre-coverage medical exams and the individuals they choose to insure may differ, most will consider the type and severity of the illness, the time that’s elapsed since the diagnosis and the stability of their health and treatment regimen, before making a decision.

Things to Keep In Mind

If you’re interested in purchasing life insurance, you should consider the following:

1. Never assume a health condition automatically disqualifies you from obtaining life insurance. Sure, maybe your health is less than perfect but you may be eligible for coverage, so give us a call to speak with one our licensed insurance professionals to be sure.
2. Always be honest about your medical history. Failing to mention a major surgery, serious diagnosis or knowingly misrepresenting your health history could compromise a future claim.
3. The best time to get covered is when you’re young and healthy. The last, and quite possibly most important recommendation: don’t wait, the earlier you can apply the better — especially if you have a health condition. Down the road, if your medical status takes a turn, it could become significantly harder to obtain coverage.

Additionally, if you’re under 40, you likely qualify for (and should strongly consider) adding a Guaranteed Insurability Option (GIO) rider to your life insurance policy. The GIO rider allows you to increase your life insurance coverage as you age and remain locked in at the healthier rate class secured by your younger (and wise beyond your years) self.

How do you feel after you’ve just put on a clean, crisp dress shirt? Great, right? You feel like you’re put together and ready to take on all that life throws at you. When you have a clean car, you get a similar feeling. Washing your car on a regular basis can help give you a sense of pride and a feeling of accomplishment during your day. It’s like making your bed every morning. You’ve completed your first task of the day. You’ve been productive.

It’s important to keep in mind, however, that not all car washes are created equal. In fact, some may actually do more harm to your vehicle than protect it.

Here are some helpful tips to know about car washes, so you can always protect your car.

Touchless car washes are better to maintain your car’s paint job.

It actually depends. A touchless car wash actually uses chemicals and high-pressure water to clean your car while an automatic car wash utilizes rotating brushes or soft cloths. You may want to reconsider where to take your car to get it washed, depending on how dirty it is. Touchless car washes may not have the power to get it as clean as you think it should be after a car wash. Keep in mind that a car wash that uses worn brushes or dirty cloths can cause damage to the exterior or your vehicle i.e. scratches in the paintjob.

If you typically use touchless car washes to get your car clean, you may want to consider rotating between a touchless car wash and a soft-cloth or hand wash in order to get your car as clean as you want it to be.

An undercarriage wash can prevent rust.

An undercarriage wash will get the underbody of your vehicle hosed down with high-pressure water. This method of cleaning will result in the successful removal or mud, salt, or sand that tends to get packed into hard-to-reach areas. Moisture and corrosive materials like road salt can result in your car rusting. If you consistently drive in cold weather climates with a lot of snow, it’s best to regularly get an undercarriage wash. Do this at least once a season to be safe.

Handwashing your car is better than automatic washes.

If you want your car to look like it belongs in a showroom, then handwashing your car is the way to go. Handwashing allows you to go over every inch of your vehicle. And remember, it sounds silly, but you have eyes, whereas a machine doesn’t. So, unlike a machine, you have the ability to pay extra special attention to every detail of your car. The only con when it comes to handwashing is the amount of time it takes to do it effectively.

You should always buy the most expensive wash.

There are different levels of cleanliness and care that are offered at various car washes. Sure, you could pay for the most expensive option, and your car may look like it’s in pristine shape when all is said and done. But, the truth is, just because you’ve forked up the most amount of money doesn’t necessarily mean that your car has added protection from dust or debris.

Dish Soap is safe to use for washing your car.

This is a common misconception. The truth is that dish soap is best left in the kitchen. It oftentimes contains harsh chemicals that have the ability to strip the protective coating that your paint has in it. Car wash soaps are specially formulated to combat dirt and grime without removing the protective coating from your car’s body.

You should only dry your car with a clean microfiber cloth.

This is true. Your safest way to dry your car without damaging the paint is by using a clean microfiber cloth. Anything else, like a beach or bath towel, can lead to scratches and scrapes. You may think air-drying is fine, and while it won’t lead to any damage to your car, you not be aesthetically pleased by the time your car is dry. Air-drying can leave water spots on the body of your car.

You only need to wax your car once a year.

Truthfully, there is no real answer to when it comes to how many times a year you should wax your car. If you store your car in a garage where it is safe from the elements of nature, you may not need to wax your car at all. Of course, you are still at risk of dust build-up, but that can be taken care of by a simple rinsing. To be safe, consider waxing your car once a season. If your car’s surface doesn’t feel smooth, it may be time for a waxing.

Waxing and polishing are the same thing.

Waxing and polishing are not the same thing. Although these terms are oftentimes used interchangeably, they serve two entirely different purposes. Waxing is meant to enhance and protect your paint surface. Polishing serves to remove minor surface imperfections from your paint. During the process of polishing, a detailer will use an abrasive compound in order to remove scratches, swirl marks and oxidation.

Paste Wax is better than liquid wax.

Traditional paste wax offers a thick, protective coating on top of your car’s paintjob. This type of waxing is usually a longer process because it requires the wax to be buffed in using an applicator pad. Liquid waxes are simply sprayed on your vehicle and wiped off.

When you’re in search of your new ride, it’s sometimes possible to find a better deal when you’re working with a private seller as opposed to buying a car directly from a dealership.

Here are some tips on how to navigate the process of buying a car from a private seller in a safe manner that will have you concluding your business confidently.

Negotiating Price

When you’re buying a car from a private seller, price is one of the most important considerations. Unlike at a dealership, private sellers are more willing to negotiate pricing with you.

Understand the numbers. Before you begin the negotiation process, it’s best to be equipped with knowledge yourself. To make sure you go into your meeting with your private seller with confidence, do your due diligence ahead of time by researching the value of the car you’re interested in on a site like Kelly Blue Book. Taking this important step first will help you avoid overpaying for your new car.

Private sellers have a tendency to start off asking for more than even they think they can get for the car they are trying to sell. Know this going into the negotiation. Start low and you’re more likely to reach a price both of you are comfortable with.

Quality of the car

When buying a car from a private seller, it’s important to consider the quality of the vehicle you are about to buy. While dealerships have access to detailed vehicle history reports, private sellers may not. You should also make sure that you trust the person you are working with before trying to buy a car from him or her.

Take a test drive. Always test drive the vehicle before making your ultimate decision. You’ll be able to make an informed decision based upon first-hand knowledge of the vehicle. For example, how good is the car’s handling? Do you notice any unusual noises or smells coming from the vehicle? Make sure you get all of the information you think you need before making your final decision.

Read the report. The car’s VIN number can help you gain access to a CarFax report. You’ll be able to see the car’s accident history, service history, and ownership history.

Inspect the car thoroughly. Examine the inside and outside of the car. Do you see any scratches, scrapes, or dents? Is the windshield cracked? Are the tires properly inflated and do they have do tread or are they significantly worn? Any points of concerns should be addressed to the seller first. If you have a friend who is experienced with vehicle inspections and examinations, consider bringing them along with you to the sale.

Comparison Shop

In addition to researching the value of the car, be sure to compare vehicles of a similar make from different manufacturers in order to help you make the best educated decision.

Online resources like YouTube are great for gaining knowledge about cars you may be interested in.

Doing your research about such things as performance, fuel economy, and overall quality will help you in your decision-making process.

Buy Securely and Safely

Getting the car by legal means is vitally important. Insist on getting a notarized title from the seller to make sure that your ownership of the car is legal. If the seller is hesitant to provide a title for you, walk away from the deal.

Consider cash alternatives. Paying by cash can be risky because it’s hard to trace. Instead of using cash, consider alternative means of payment like check or money order. Avoid situations where sellers are asking for things like wire transfers or cashier’s checks.

Use Caution. Before making a purchase from a private seller, make sure you can identify them properly first. Check their contact information and address and consider meeting them in a public place to complete the purchase of the vehicle.

 

Are you considering purchasing an RV? We get it. The thought definitely has its appeals: freedom, flexibility, slower pace. Don’t forget the convenience of having a comfortable bed to sleep in instead of having to fork up more money for a hotel stay.

Before you purchase an RV, here are a few things you should consider.

Before making any significant financial decision, you should ask yourself a number of questions.

1. How much are you willing to spend on an RV? Going into this blindly — or any situation for that matter — is never a good idea. Do you research on prices and amenities first.
2. How many people will I need to fit? RVs are specially designed to fit a specific amount of people. You don’t want it to get too crammed inside the RV, so before you make your purchase, know how many people will be coming along with you on your journey.
3. Where do I want to camp? Whether you’re considering private campgrounds or going to more scenic destinations i.e. national parks, do your research and find out what appeals most to you and your loved ones. If you fancy more secluded, remote areas, perhaps a smaller RV is something you should consider as an option.
4. What will I bring along and how much storage will I need? Do you see yourself towing a vehicle with your RV? What about bicycles or picnic tables? Are you a fan of ATVs? Before purchasing, you’ll want to make a list of everything you’ll be bringing with you on your trip. This way, you’ll know what size RV you’ll need to purchase. This can also help you figure out your budgeting.
5. What amenities do you want to have? RVS can be basic or they can be rather luxurious. Some have refrigerators, bathrooms with showers, flat-screen TVs and even king-size beds. Remember, the more amenities you want, the more it’ll cost you.
6. Do you want to drive or tow your RV? RVs are either motorized or towable.

Motorized RVs require you to drive them. They are categorized into 3 different categories.

Class A: These RVs look more like buses, typically have six wheels, and can range anywhere from 21 to 43 feet long. They can have private bedrooms, separate livingareas, kitchens, and more. Because they have all of these features, they do tend to be on the pricier side.

Class B: Smaller than Class A RVs, these modes of transportation and living may be easier to drive for those familiar with minivans or SUVs. They can also sleep up to four people.

Class C: These are distinguishable from the other two classes because they have an overhang above the roof of the driver’s cab. These are usually between 25 to 35 feet in length.

Towable

These types of RVs can be attached to the back of your vehicle. While some are heavy-duty, others can be lighter and easier to transport. Figure out how much your truck can haul first before making your purchase.

• Travel trailers: These come in a wide variety of sizes, configurations and prices. They are versatile and can be a popular option for new and experienced RV users.
• Fifth wheel trailers: You’ll need a truck with a fifth whell hitch to be able to use these.
• Pop-up campers: These lightweight trailers fold open and closed. If you sleep in them, you’ll feel more like you’re sleeping inside a tent. Offering less amenities than the others, they fall in the lower price categories and can fit between 4 and 8 people.
• Sport utility haulers: These are great because they give you the ability to take your “toys” with you. Anything from storage for ATVs and golf carts as well as including a full kitchen, bathroom and living areas.

When you’re in search of your new ride, it’s sometimes possible to find a better deal when you’re working with a private seller as opposed to buying a car directly from a dealership.

Here are some tips on how to navigate the process of buying a car from a private seller in a safe manner that will have you concluding your business confidently.

Negotiating Price

When you’re buying a car from a private seller, price is one of the most important considerations. Unlike at a dealership, private sellers are more willing to negotiate pricing with you.

Understand the numbers. Before you begin the negotiation process, it’s best to be equipped with knowledge yourself. To make sure you go into your meeting with your private seller with confidence, do your due diligence ahead of time by researching the value of the car you’re interested in on a site like Kelly Blue Book. Taking this important step first will help you avoid overpaying for your new car.

Private sellers have a tendency to start off asking for more than even they think they can get for the car they are trying to sell. Know this going into the negotiation. Start low and you’re more likely to reach a price both of you are comfortable with.

Quality of the car

When buying a car from a private seller, it’s important to consider the quality of the vehicle you are about to buy. While dealerships have access to detailed vehicle history reports, private sellers may not. You should also make sure that you trust the person you are working with before trying to buy a car from him or her.

Take a test drive. Always test drive the vehicle before making your ultimate decision. You’ll be able to make an informed decision based upon first-hand knowledge of the vehicle. For example, how good is the car’s handling? Do you notice any unusual noises or smells coming from the vehicle? Make sure you get all of the information you think you need before making your final decision.

Read the report. The car’s VIN number can help you gain access to a CarFax report. You’ll be able to see the car’s accident history, service history, and ownership history.

Inspect the car thoroughly. Examine the inside and outside of the car. Do you see any scratches, scrapes, or dents? Is the windshield cracked? Are the tires properly inflated and do they have do tread or are they significantly worn? Any points of concerns should be addressed to the seller first. If you have a friend who is experienced with vehicle inspections and examinations, consider bringing them along with you to the sale.

Comparison Shop

In addition to researching the value of the car, be sure to compare vehicles of a similar make from different manufacturers in order to help you make the best educated decision.

Online resources like YouTube are great for gaining knowledge about cars you may be interested in.

Doing your research about such things as performance, fuel economy, and overall quality will help you in your decision-making process.

Buy Securely and Safely

Getting the car by legal means is vitally important. Insist on getting a notarized title from the seller to make sure that your ownership of the car is legal. If the seller is hesitant to provide a title for you, walk away from the deal.

Consider cash alternatives. Paying by cash can be risky because it’s hard to trace. Instead of using cash, consider alternative means of payment like check or money order. Avoid situations where sellers are asking for things like wire transfers or cashier’s checks.

Use Caution. Before making a purchase from a private seller, make sure you can identify them properly first. Check their contact information and address and consider meeting them in a public place to complete the purchase of the vehicle.

Have you ever been driving along down the road and noticed one of your dashboard lights being illuminated? Modern vehicles are extremely complex machines that give us the ability to get to where we need to go in a quick, efficient, easy manner. But, just like with any piece of technology, maintenance is required to prolong effectiveness. Dashboard lights are there to let you know that your attention is required.

Oil pressure

When your car is having troubles with oil pressure, you will see an image of something that looks like an oil can.

If you ever see this light illuminated, it typically means that your car has low engine oil pressure. Low oil pressure can have several causes, but the best situation you can find yourself in is if it means that your car is low on oil. Pull over to the side of the road and check your engine’s dipstick if you have one. If you have a more modern car, you probably won’t have to do this since most modern cars are now equipped with check oil programs.

When the oil light is lit, it’s probably an indication that the internal parts of your car are not being sufficiently lubricated. It’s best to not drive your car when this light is on. If you do, you’re potentially looking at significant damage to your engine and costly repairs.

Tire Pressure

This symbol looks like this: (!)

Your tire pressure light is triggered by your car’s tire pressure monitoring system (TPMS). This let’s your know when your tire is in need of air. When a tire is low on air, your car’s gas mileage may be significantly impacted. And, whenever you drive a car with a tire that is in need of air, what you’re really doing is wearing out your tire faster than it needs to be. This will cause you to need to spend more money on new tires. Newer cars may have a built-in system that allows you to read the pressure of each tire. You should always refer to your car’s owner’s manual to see the proper tire pressure that is suggested for your car. It’s important to keep in mind that tire pressure can also be affected by cold weather, so if your light is on, the situation may not be as dire as you might initially believe. Any time you see this light on, address the issue immediately.

Coolant Temperature

When you see symbol lit up, it means that your car’s engine is overheating. When the coolant temperature gets too high, it most oftentimes means that something is wrong with one of the cooling system components. It may be an issue with your fan, radiator, thermostat, water pumps, hoses and coolant.

Driving your car when it’s overheating can be dangerous. Doing so can cause serious and permanent damage to your car’s engine. If you’re ever in need of a tow, ERIE has an Emergency Roadside Service coverage that can be added to your auto insurance policy for about $5 per vehicle per year. If you have questions about this, give us a call at 301-948-2010 and ask to speak with one of our experience insurance professionals.

Traction Control

You’ll see an outline of a car with two squiggly tire track lines behind it.

If you see this light illuminated, it’s best to take your car to an experienced mechanic as soon as you can. It means that your car’s stability control is off or has failed. It can be dangerous to drive your car in these conditions.

Check Engine

On some vehicles, you’ll see a symbol that looks like a car engine. Other cars may simply have the words “CHECK ENGINE”.

When this light is illuminated, it means that there is something wrong with your vehicle’s motor or emissions system. You could have a major mechanical issue on your hands or it could be something as minor as a loose cap. Get to a service garage as soon as possible when you see this.

Battery

This symbol looks like a battery in the shape of a box that has a “+” and “-“ sign.

When you see this, it means there is a problem with your car’s electrical system. Your battery could be defective or it means that your car’s alternator is no longer working properly. This means that, as you drive, your battery is not being recharged. Ignoring this problem instead of taking your car to a repair shop could end up leaving you stranded on the side of the road.

Low Fuel

This symbol looks like the outline of a gas pump.

Whenever this symbol is illuminated, it’s an indication that you need to get yourself to a gas station quickly.

Airbag

This symbol looks like a person sitting in a car with a large ball in front of their head.

If you see this symbol lit, it means that your car’s internal system has detected a problem with the passenger safety system. Whenever you drive your car, you want to make sure that your safety systems are functioning properly, so that in the event of an accident, you’ll remain safe.

Washer Fluid

This symbol looks like a windshield with a stream of water spraying in an upward direction.

Whenever you see this symbol illuminated, it means that your windshield wiper fluid reservoir is low or empty. Wiper fluid is usually available for purchase at any gas station or auto repair shop.

Brake System

While some vehicles will show a symbol of a what looks like a circle with parentheses on either side, others simply display the word “BRAKE”.

There is a problem with your car’s braking system. It’s not safe to drive your car under these conditions since you never know when your brakes may fail and cause a serious accident.

Anti-Lock (ABS) System

This symbol looks like this: (ABS)

If this light is illuminated, it means there is a problem with your car’s anti-lock brake system. This system is designed to prevent your wheels from locking up under a hard stop. Usually, when this light is lit, it means you’ll need to replace your ABS sensor. This is an important safety feature to have functioning properly, so that you can remain as safe as possible behind the wheel.

Transmission

This symbol is a gear icon with an exclamation point or a thermometer in the center.

When this light is illuminated, it means there’s a problem with your vehicle’s transmission. Your transmission could be overheating or a sensor has recorded a mechanical issue. In either case, it’s best to get your vehicle to a mechanic right away.

 

The weather’s finally getting warmer and it’s time to enjoy your time out on the water with friends and family. Regardless of whether you’re a seasoned boating expert or a newbie, it’s a good idea to freshen up on boating safety, so that you and those you care about most can have a fun, memorable experience out on the water.

Unfortunately, boating accidents claim lives every single year. To prevent a potential tragedy, follow these safety precautions before taking the boat out:

Have your boat inspected. The Vessel Safety Check is a free public service that is offered by the U.S. Coast Guard Auxiliary and U.S. Power Squadron volunteers. Experts will make sure that your boat meets the minimum safety requirements and also that you have the necessary safety equipment onboard that can save lives and get help in the event of an emergency.

Make sure you have plenty of life jackets on board. The easiest way to keep yourself safe while you’re on a boat is by wearing a life jacket. Eighty-two percent of drowning victims were not wearing a life jacket, according to Coast Guard studies. At minimum, you should have a life jacket readily available for each person on board your boat. Laws do require that you wear a life jacket while on board as well. In states where no children’s life jacket law in in place, a U.S. Coast Guard interim rule states that children under the age of 13 are required to wear a life jacket that is approved by the U.S. Coast Guard.

Develop and communicate a float plan. All important information pertaining to your trip including contact information for your trip leader, the type of boat you’re using, and where you plan to use your boat should be included in the plan.

Remember that consuming alcohol while on a boat is not a good idea. Sixteen percent of all recreational boating deaths have been linked to the consumption of alcohol. Although it’s not illegal to drink while boating, think of the situation the same way as driving a car under the influence of alcohol. Your reaction time is impaired and you could jeopardize the lives of yourself and your loved ones.

Pay attention to the weather. Before taking your boat out on the water, take a look at the weather forecast to make sure no thunderstorms will be on the way. Windy days also present certain hazards while boating. Waves can potentially capsize smaller vessels or passengers could fall overboard.

Keep your boating skills sharp. Operational error accounts for over 70% of boating accidents each year. You can improve your boating skills by enrolling in educational courses.

Know how to swim. If you’re out on the water in any situation, you should know how to swim. Otherwise, like it or not, you are putting yourself at risk. Floatation devices can help, but only so much.

Millions of people embark on the open road on their motorcycles every year.

While riding a motorcycle can have an element of thrill, it can also present danger. Riding a motorcycle is much less safe than driving a car or a truck. In fact, estimate from the federal government show that the number of deaths per mile traveled on motorcycles was 29 times the number deaths in cars in 2019.

While there’s the obvious risk from lack of bodily protection a person has while on a motorcycle, it’s important to understand that other drivers on the road play a role as well.

According to the Motorcycle Safety Foundation, over half of all motorcycle accidents resulting in fatalities involve another vehicle. More alarming is that, most of the time, it’s the fault of the driver of the car or truck, not the driver of the motorcycle.

As drivers of cars and trucks, we have a responsibility to be aware of motorcyclists on the road. Here are a few things we can remember when we’re on the road:

Be aware of motorcyclists during the warmer months. Being aware of your surroundings is a surefire way to stay safe on the road. And keeping a mental note that you’ll likely see someone on a motorcycle when the weather is warm may be helpful in keeping both you and the motorcyclist safe.

Check your blind spots. Being that motorcycles are much smaller than cars or trucks, they’re not as easy to see. Regularly checking your blind spots before turning or changing lanes can help to keep motorcyclists safe and will keep you safe from making a terrible mistake.

Don’t get too close. As with other cars on the road, you should always maintain a safe distance between yourself and motorcycles. To be extra careful, consider increasing the distance between your car and a motorcycle. Motorcycles can come to a complete stop much more quickly than a car can. Don’t tailgate!

Stay in your lane. Motorcycles are allowed to use full lanes. Don’t try to share a lane with them. Keep your distance.

Your car battery plays a crucial role in granting you the ability to navigate through everyday life in today’s society. The battery provides the source of energy needed for all of the other electrical components of your car to function properly as well. Like everything in life, a battery’s lifespan is finite and will need to be replaced at some point down the line. Here are five signs that indicate your car battery may need to be replaced.

You have difficulty starting the ignition/turning over the engine.

Having a hard time getting your car to start may be an indication that it is time to replace your battery. As a car ages, the components that allow the car to function properly become less effective. As a result, it takes more time for the battery to receive a charge from the alternator. In other words, it takes the engine more time to turn over. As with anything in life, procrastinating, especially when you see warning signs that something needs to be done, could result in costs that could have been avoided had to taken action earlier. If you try to turn the engine over and hear a clicking sound, it’s likely that your car battery is already dead. The safest action to take is to take your car to an experienced mechanic at the first signs of trouble.

Dashboard lights and lighting issues.

Do you ever notice any icons on your dashboard being illuminated? If so, do not ignore them. This is your car trying to tell you that something is wrong. Oftentimes, there may be an issue with battery or one of the car’s computers. Whenever you notice one of these signs, consult a mechanic to be safe.

Another indication there may be a problem with your car’s battery is that your headlights are dimmer than usual. In order to ensure your safety while driving, make sure that you consult a mechanic as soon as you see any signs of trouble with your car.

Electrical malfunctions.

Your car battery is responsible for providing power to all of the electrical components of your car. So, if your battery is weakened, it may result in malfunctions of anything that relies on electrical power to run. For example, if your power windows or door locks suddenly doesn’t seem like it’s responding normally, your battery may be on its last legs. If you notice any unusual occurrences related to electrical functions with your vehicle, it’s time to have a mechanic take an extensive look.

Poor performance in cold weather.

Generally speaking, car batteries do not perform well when it’s cold. Batteries tend to not have as long of a lifespan in cold weather due to the fact that they need to have maximum flow of energy due to slow-moving engine oil. If you’re not careful, your battery can actually freeze. Consider having your car battery replaced before the cold season.

Strange odor.

If you notice a foul smell coming from your car, it may be an indication of a failing battery. A smell similar to that of rotten eggs means that a battery is leaking gas. Batteries contain sulfuric acid that can leak out if a battery is damaged. Sulfuric acid is extremely dangerous and, if not disposed of immediately, has the potential to corrode other parts of your car. If you notice a foul smell coming from your car, it’s best to take it to a maintenance garage to have a professional take a look at it right away.

Buying your first home is one of those memorable accomplishments that will stay with you for the rest of your life. Once you have signed on the dotted line and taken official ownership of the property, you’re going to want to—if you haven’t already—think about some essential items to pick up for your home to make your experience of living in your home that much more enjoyable. Here is a substantial list of items to consider purchasing after you’ve bought your home.

Safety Equipment:

Smoke Alarms: You should have smoke alarms installed in every room of your house including each bedroom, outside your bedrooms, and on every level of your home. If your home has a basement, don’t forget to install a smoke alarm there, too.

Carbon Monoxide Alarms: Not to say that Carbon Monoxide is more dangerous than smoke, but it is an odorless, colorless gas that can prove deadly if it isn’t detected sooner rather than later. Be sure to install carbon monoxide alarms on every level of your home, especially in places where people sleep.

Fire Extinguishers: It’s always a good idea to have a fire extinguisher handy in case a fire breaks out while you’re cooking in the kitchen.

Safety Ladder: If you live in a home that has more than one level, seriously consider purchasing a ladder. Ladders can make the difference between life and death in the event of an emergency.

First-Aid Kit: Having a healthy stash of bandages, ointments, wipes, and other products is a good idea in case someone gets injured in your home.

Emergency Kit: Water, canned foods, flashlights, batteries, a can opener, flares, dust masks, tools like a wrench or pliers, maps of your area, a cell phone and a charger, prescription medications, eyeglasses, matches, personal hygiene items, pet food and supplies, an extra change of clothes.

Essential Items for Security of Your Home:

New locks: Any time you purchase a new home, it’s important to change the locks immediately to ensure the safety and security of yourself and your family.

Motion-sensor lights: These kinds of lights illuminate when they sense movement in a given area. They’re not expensive and are relatively simple to install.

Home safe: A secure box in which to store valuable documents like IDs or passports, birth certificates, banking information, and other sensitive information is always a good idea.

Window treatments: Believe it or not, installing blinds is one way to deter criminals from breaking into your home.

Video doorbell: Cheaper than security cameras, video doorbells can provide you with the peace of mind you want by giving you access to video footage of any action taking place at your front door. You can also link this capability to your smartphone, so you can always keep an eye on these areas even when you’re away from your home.

Are you one of those people who uses your basement as a storage area? You’re not alone. While many people choose to use their basements in this way, oftentimes, basements tend to evolve into entertainment rooms or—if you have a family—playrooms.

No matter how you choose to use your basement, you should always remember that there are certain items that you should never store there.

Here’s what you should avoid storing in your basement.

Printed photos: It’s easy to damage printed photos. Consider converting your personal stored photos to digital, so that you always have them.

Important documents: Personal documents such as birth certificates, passports, financial documents, or a will should always be stored a secured area. Consider storing them in a secure safe with a combination that only you know. That way, only you can access these documents when you need them and don’t have to worry about someone stealing them.

Antiques or family heirlooms: If your family has passed down certain items through the generations, you certainly understand how precious they are. While they could hold monetary value, they certainly hold sentimental value that can never be replaced.

Highly flammable or hazardous items

Firewood: In the event of a housefire, firewood will only help the fire spread faster and wider. If it gets wet, you are looking at a situation in which it can get especially smokey when you burn it. On top of all of this, it presents an open invitation to insects and rodents.

Paint, chemicals or household liquids: Basements are typically where your furnace, water heater, and dryer are located. If you have flammable liquids stored in this area, you are potentially writing an excellent recipe for disaster.

Book and magazines: Books can have both sentimental and monetary value. Don’t store them in the basement if you want to make sure they remain well-preserved.

Electronics: Climate issues and moisture control can present dangers in most unfinished basements. Additionally, they can leave your electronics exposed to water and moisture risks.

Furniture or artwork: If you’re a collector or art pieces, you’ve probably spent a pretty penny or at least a few in your collection. It’s not worth the risk of damaging them by storing them in the basement.

Clothes, shoes and jewelry: If you’ve ever splurged on shoes or jewelry for yourself or a significant other, you’ll want to make sure that where you store these items is secure and able to protect these items from the risk of damage.

Call us at 301-948-2010 to discuss adding the Extended Water endorsement to your homeowners insurance policy with ERIE. It’s great protection to have in place to give you the peace of mind knowing you’re well protected against an insurance claim.

If you are a current customer that holds an auto insurance policy with ERIE, you can rest assured that, if you purchase a new car over the weekend when offices are closed, your vehicle is automatically covered. Although you do have coverage for your new vehicle, there are a number of important facts you should be aware of.

Coverage for an old vehicle never simply goes away when you trade in or purchase a new one. If your new car is titled in your name, your auto insurance coverage will carry over.

When you purchase a new vehicle to be added to your auto policy, it is covered.

When coverage is rolled over to a new car, you get the broadest coverage possible. What this means is the policy that contains the most coverage that is listed on your current policy is what will be applied to your new car.

Here’s a scenario to explain this situation in more detail. You’re married with a son or daughter who is of legal driving age. Your spouse’s new car is covered with the highest limits and multiple endorsements. However, you chose to not give your teenager the same coverages because they are driving a much older, high mileage vehicle. When you purchase the new car, the broadest coverage that is currently listed on your policy is what will be applied to your new vehicle, as stated above.

Here are a few exceptions to be aware of:

If your car is not insured with a policy from ERIE, your coverages will not automatically roll over to your new car. You must have a current ERIE policy to get this coverage. It’s best to call us at 301-948-2010 to speak with one of our licensed professionals to help you add the car to your policy before you drive off the dealership lot to go home.

If you buy a motorcycle or an RV, coverages will not roll over. The rollover only applies when you are purchasing a vehicle of the same type. To put it plainly, motorcycles and RVs are not sedans, so the rollover would not apply in such a case.

If someone at the car dealerships requests that you verify your insurance coverage before giving you the keys to your new ride, you can access you can access your auto ID card directly from your online account or your mobile app. You can also call us to have one of our agents email you a copy of your ID card.

If you are not exactly sure what kind of car you want to purchase, it’s best to call one of our agents to discuss possible makes and models of vehicles you are considering. One of our agents can tell you how the cost of your insurance premium will be affected based upon the kind of car you buy. They can also offer suggestions on how to save money on your auto insurance.

Once you purchase your new vehicle, here are three types of coverage you should be aware of:

Liability coverage: Inform us of your newly purchased vehicle before your current policy expires. If you buy the vehicle within 30 days of the end of your policy period, report that to us within 60 days of getting your car.

Comprehensive and collision coverage: When coverages roll over from an existing policy, the lowest deductible applies. If you didn’t have comprehensive and collision coverage on your policy for your old vehicle, coverages will apply, but you’re still responsible for a $500 deductible. Coverages cease seven days after acquisition of the vehicle or once your report it to us.

Here’s what we’ll need to know about your new car:

What is the year, make and model of the vehicle?

How many miles are you expecting to drive the car in one calendar year?

How far do you typically drive for work or for pleasure?

The vehicle identification number (VIN)

Titling and lienholder information for the vehicle

If I buy a new car, will my insurance cost increase?

New cars cost more than used cars, so they tend to cost more to insure. However, you can pay less for your insurance if you have a safe driving record or if your newly acquired vehicle has certain safety features installed.

You may think that just because you’re not under the influence of any drugs or alcohol, you are safe to drive. While drinking or operating a motor vehicle after having consumed drugs is extremely dangerous, driving when you’re sleepy is also risky.

When you’re tired, your judgment is impaired. Such instances as slow reaction times, drifting from lane to lane, driving at dangerous fast or even slow speeds…this only puts you and others around you in more danger.

Every year, it is reported that drivers are involved in thousands of crashes related to drowsiness. While these incidents cost billions of dollars in damages and medical expenses, some of these incidents turn tragic, resulting in loss of life. Here’s what you can do to help prevent yourself from being involved in such a terrible situation.

In 2017, the National Highway Traffic Safety Administration (NHTSA) found that drowsy drivers caused 91,000 reported accidents to the police. Even more, in 2019, drowsy driving caused nearly 700 deaths.

According the Centers for Disease Control & Prevention, being awake for 18 hours straight is the same as having a blood alcohol level of .05%. And being awake for 24 hours straight bumps that number all the way up to .1. The legal blood alcohol content level in most states is .08. And while it’s not illegal to drive while drowsy, if you do so, you are still putting yourself and other drivers on the road at serious risk of harm. Finally, the CDC reports that people who slept 6 hours or less each day were more likely to fall asleep behind the wheel.

Accidents can happen anytime, anywhere. It’s also true, however, that certain factors make it more likely for an incident like this to occur.

Crashes due to drowsy-driving occur most frequently between midnight and 6:00 AM—or in the late afternoon. This makes sense since this is also the time of day when our circadian rhythm, which regulates our sleeping patterns, falls.

Believe it or not, people driving alone are more likely to be involved in these kinds of crashes. Another finding is that these kinds of accidents typically involve the driver run their car off the road at high speeds without braking.

Rural roads and highways are the areas in which these types of accidents mostly occur.

According to the Sleep Foundation, symptoms of drowsy driving include daydreaming, realizing that you can’t remember the last several miles you traveled, missing a sign or an exit, tailgating, problems maintaining the speed limit, and restlessness, irritability, or aggressiveness.

If you want to avoid drowsy driving, there are a number of actions or measures you can take. First, get enough sleep. That’s pretty clear. If you’re planning a road trip, be sure to get a good night’s sleep the night before you leave. Alcohol consumption before or during driving a car is a big “no-no” and it’s illegal. Most everyone is already aware of this. What some people may pay less attention to is driving while under the influence of medications. Be sure to read the labels of your prescription bottles and consult your doctor before you decide to drive your car. Some medications may contribute to side effects that include sleepiness or drowsiness.

You may be of the opinion that just because you’re not under the influence of any drugs or alcohol, you are safe to drive. While drinking while driving or operating a motor vehicle after having consumed drugs is extremely dangerous, driving when you’re sleepy is also risky.

When you’re tired, your judgment is impaired. Such instances as slow reaction times, drifting from lane to lane, driving at dangerous fast or even slow speeds…this only puts you and others around you in more danger.

Every year, it is reported that drivers are involved in thousands of crashes related to drowsiness. While these incidents cost billions of dollars in damages and medical expenses, some of these incidents turn tragic, resulting in loss of life. Here’s what you can do to help prevent yourself from being involved in such a terrible situation.

In 2017, the National Highway Traffic Safety Administration (NHTSA) found that drowsy drivers caused 91,000 reported accidents to the police. Even more, in 2019, drowsy driving caused nearly 700 deaths.

According the Centers for Disease Control & Prevention, being awake for 18 hours straight is the same as having a blood alcohol level of .05%. And being awake for 24 hours straight bumps that number all the way up to .1. The legal blood alcohol content level in most states is .08. And while it’s not illegal to drive while drowsy, if you do so, you are still putting yourself and other drivers on the road at serious risk of harm. Finally, the CDC reports that people who slept 6 hours or less each day were more likely to fall asleep behind the wheel.

Accidents can happen anytime, anywhere. It’s also true, however, that certain factors make it more likely for an incident like this to occur.

Crashes due to drowsy-driving occur most frequently between midnight and 6:00 AM—or in the late afternoon. This makes sense since this is also the time of day when our circadian rhythm, which regulates our sleeping patterns, falls.

Believe it or not, people driving alone are more likely to be involved in these kinds of crashes. Another finding is that these kinds of accidents typically involve the driver run their car off the road at high speeds without braking.

Rural roads and highways are the areas in which these types of accidents mostly occur.

According to the Sleep Foundation, symptoms of drowsy driving include daydreaming, realizing that you can’t remember the last several miles you traveled, missing a sign or an exit, tailgating, problems maintaining the speed limit, and restlessness, irritability, or aggressiveness.

If you want to avoid drowsy driving, there are a number of actions or measures you can take. First, get enough sleep. That’s pretty clear. If you’re planning a road trip, be sure to get a good night’s sleep the night before you leave. Alcohol consumption before or during driving a car is a big “no-no” and it’s illegal. Most everyone is already aware of this. What some people may pay less attention to is driving while under the influence of medications. Be sure to read the labels of your prescription bottles and consult your doctor before you decide to drive your car. Some medications may contribute to side effects that include sleepiness or drowsiness.

1. Electric panels. It’s important that you know the location of your home’s electrical panels in case you trip a circuit breaker. Usually, electrical panels are located in either a basement, garage, or utility closet. You should become familiar with how to operate the breaker box i.e. how to turn off the main circuit and the individual breakers. If your breakers are not labeled, take some time to turn off each breaker individually and label them according to which part of your home they provide power.

2.      Water shut-off valve. First, you need to locate the shut-off valve that is connected to the main water line that enters your home. If you have a basement, check along one of the outside walls to locate the valve. If you do not have a basement, check for the water shut-off valve at the ground level close to your hot water tank.

 

3.     Gas shut-off valve. Certain appliances in your home may be fueled by natural gas. These may include your water heater, fireplace, furnace, oven, dryer and more. In the event of a gas leak, you should know where to find the gas supply in your home so that you can quickly shut it off. Typically, the main gas shut-off valve is outside your home near the gas meter. Most importantly, if you suspect your home has a gas leak, immediately vacate the premises and call 911.

4.     Dryer vent. Dryers cause approximately 15,500 home fires, 29 deaths, 400 injuries and $192 million in property loss every year. To prevent this from happening to you, clean the lint from your dryer regularly.

5.      Sewer or septic lines. If you ever experience a major plumbing problem in your home, knowing where your sewer and septic systems are located is a huge help. If your home is connected to a city sewer system, locate where your main sewer line exits your home and check for a cleanout valve. If you have an older home, it may be best to have your sewer system replaced. For septic systems, you’ll need to know where the access points to your tank are and any inspection ports.

 

6. Well location. If you have a home that is not connected to a city water supply, you need to know the location of your well. Depending on how your home is designed, it could be located inside your home in a crawlspace or basement. If you can’t find it inside, check your yard for a well cap, casing or pit. Knowing the location of your well can help speed up the process of repairs in the event of an emergency.

 

7. Meter locations. Each utility service for your home has its own meter. Once you locate them, be sure to clean the areas around them well, so that you can access them later if you need to.

 

8. Furnace filters. Filters help keep the air around you clean and safe to breathe. Your furnace will run more smoothly if it’s clean. Filters should be replaced every 30 to 90 days.

 

9. Crawlspace and attic access. These areas may be different in every home. While some may provide access to utilities and appliances, others may just be empty. Still, empty spaces should never be ignored for long periods of time. Rodents and other animals could creep into these tiny spaces, and, if you’re not diligent, could chew through wiring inside your home. This kind of damage could result in a costly insurance claim.

 

 

10. Sprinkler system. Take the time to understand how your sprinkler system works. During colder months, take the time to winterize your pipes and hose bibs to prevent freezing and bursting.

 

11. Smoke alarms. You should have a functioning smoke alarm on every floor of your home. Test them regularly to make sure they are working. Smoke detectors should be replaced every 10 years.

 

12. Property lines. Use a metal detector to find the stakes where your property lines are buried. You’ll want to do this sooner rather than later, especially before you begin any elaborate projects for your home. You don’t want your neighbors to get you involved in a nasty property dispute.

 

 

13. Sump pump. Test your sump pump a few times a year to make sure it’s functioning properly. Do this by pouring water into the sump pit until the pump turns on.

 

14. Gutters and downspouts. Clogged gutters and downspouts can spell disaster for the interior of your home. Test any underground drains with a garden hose to check for clogs. Be sure to clean the lines or to redirect water away from your home.

 

15. Your chimney should be inspected at least once a year to protect against fire and carbon monoxide.

In the event of a sewer or drain backup, or from flooding such as inland flooding, tidal water, storm surge, or mudflow and mudslide, you can rest assured that with ERIE’s Extended Water coverage endorsement, you will be protected. By adding this endorsement to your homeowners insurance policy, your home and garage will be protected. Additionally, your other structures and personal property are protected by this endorsement. Other structures refers to structures other than the dwelling (your house) such as a fence, a detached garage, an in-ground swimming pool, or a gazebo.

Flood insurance may be obtained through FEMA. Floods can cause serious damage to homes and can also displace families for extended periods of time. When you have the Extended Water coverage endorsement, the costs of the following will be covered:

• Basements and other rooms
• Water backups from sewers and drains
• Repair and replacement costs for your home and personal property
• Flood avoidance reimbursement (up to $10,000)
• Temporary relocation costs i.e. a hotel or short-term rental

Why Do I Need Extended Water Coverage?

Flooding can happen to anyone. A typical homeowners insurance policy does not cover flooding.

Many homeowners make the assumption that, because they do not live in an area that is considered “high-risk” for floods, they overlook this coverage, thinking it’s not a necessary expense. Did you know that over a quarter of flood claims come from individuals living outside of high-risk areas? A lot of people underestimate the amount of damage that water can do to their home. In fact, a single inch of water has the capacity to inflict over $25,000 in costly home repairs. That could spell financial ruin for many.

Flooding can cause astronomical damage and costs to homeowners. And, the truth is that only three inches of water can completely destroy baseboards and drywall inside a home. In order to ensure your protection and financial well-being, adding Extended Water coverage with ERIE to your homeowners insurance policy is an sure-fire way to do just that.

Taking necessary preparation steps before something bad happens will help you maintain your peace of mind in a crisis. Call us at 301-948-2010 to discuss adding Extended Water coverage to your home policy now!

Whether you’re watching television or surfing the internet, it’s not uncommon to come across a commercial or ad promoting car insurance. Additionally, it’s commonplace to be hit with the all-too-familiar message: “If you switch to our company, you’ll save more on your car insurance.”

Being in the business of selling auto insurance, we understand that price plays an important role when determining which car insurance plan is right for you. However, something that a lot of people overlook is the fact that considering pricing alone leaves you exposed and vulnerable to other issues when you need it most. And, that’s the thing. We want to ensure that you are always properly and sufficiently covered, so that no matter what happens, you can go on living your life with peace of mind.

Coverage is an essential piece of an auto insurance plan. There are certain coverages that may be required due the law specifications of the state in which you live. For example, basic bodily injury and property damage liability coverage is a coverage that is required by law. Other coverages that may be required by state law include collision, comprehensive, and uninsured motorist coverage. The amount of coverage you select for each protection will determine your policy premium, what you are required to pay.

Not all insurance plans carry the same coverages. An auto policy with ERIE includes coverages for pets, personal items, and locksmiths at no additional charge. Roadside Service can be added to your auto policy for just a few more dollars each month.

Your deductible is the amount of money you agree to pay out of your own pocket before you insurance plan kicks in to cover the remaining costs. The higher your deductible is, the lower your annual insurance premium will be. Take some time to choose the right deductible for you. Consider your budget when choosing your deductible. If you add the ERIE Auto Plus endorsement to your plan, your deductible can be reduced by $100 each year you are claim-free.

We are an independent insurance agency that has been in business since 1957. When you call us, you are immediately connected to a real, live, person. You don’t have to suffer through anything automated when working with us over the phone. We understand that your time is valuable. That’s why we prioritize personal service for each client with assist.

An opportunity to save money in any situation is always appealing, isn’t it? When you bundle policies with ERIE, you could be eligible for a multi-policy discount, saving yourself up to 20% (depending on the state in which you reside). Discounts are also available for safe driving, if your car has certain safety equipment, if you have multiple cars, young drivers, as well as making annual payments.

As stated above, we understand that cost does ultimately play a role in your decision. Getting multiple quotes can help you gain the peace of mind you desire and deserve, knowing that you are getting the best value. ERIE offers something called the ERIE Rate Lock feature which allows you to maintain the same costs to your insurance. Even if you file a claim on your auto insurance policy, your insurance rate will not be affected. The only way your insurance rate will change is if you add or remove a vehicle, add or a remove a driver to your policy, or change your address.

 

 

When you’re young, you feel untouchable. You feel as if nothing can stop you. You feel invincible. Because you feel this way, you’re far less likely to be thinking about life insurance. I mean, it makes sense. The problem isn’t that you don’t have life insurance while you’re young. The problem is that you’re not taking advantage of an enormous opportunity that will surely disappear by the time you’re old, gray, and wrinkly. Life insurance is much cheaper when you’re young because insurance companies know that you are far more healthy. So, they are far more willing to give you a cheaper rate to pay.

Everyone has a life story. Everyone faces different challenges at different times in their lives. Some people may face incredible physical challenges early in life, others later in life. The point is we all face them at some point or another. Insurance companies know this and anticipate them. You need to be in the know as to how insurance companies work and think.

We don’t know what life will bring us in the future. We really don’t even know what is going to happen on a day-to-day basis. All we can do is anticipate, prepare, and act accordingly. No one can know if they are going to crash head-on with an 18-wheeler, leaving them paralyzed from the waist down. And no one can know with 100% certainty that they will not develop some form of cancer during their lifetime. The point of bringing this up is not to scare you. It’s to educate you on why it’s important to get life insurance while you’re young.

If you are elderly and develop some form of cancer, it’s too late. Insurance companies may agree to give you a life insurance policy. But, don’t be surprised if the cost is astronomical. If you have children, don’t you want to be able to protect them? Life insurance can help with that. Life insurance can help pay for your child’s college education.

If you have a mortgage on your home, have kids, and you die unexpectedly, guess what? Your kids are going to have to pick up and carry that heavy burden. A life insurance policy can help in that case. When you die, your family is already faced with a terrible loss and tragedy. Why would you want to compound the loss by burdening them with the financial stress of a home mortgage?

Texting while driving is a big “no-no”. It requires you to take your eyes away from the road in front of you. Any task that requires you to do this is not something you should be considering while operating a vehicle. The same goes for vlogging. What’s that, you ask? A vlog is a blog in video form. It usually involves mounting a camera to your dashboard to record videos. While doing this still affords you the ability to be hands-free, you should be weary.

The truth of the matter is that it’s not your hands not being free that’s the problem. It’s your brain. While you may not be touching your phone, your brain is still engaged in a phone call, thus still taking your direct attention away from the road and surrounding traffic.

Different Types of Distractions

Manual – Manual distraction is taking your hands off the steering wheel.

Visual – Visual is looking at the camera instead of the road.

Cognitive – Cognitive distraction is “performing” for the camera instead of focusing your attention on driving.

Avoid Getting Distracted

Here are a few tips to prevent yourself from becoming distracted while you’re behind the wheel.

Put your phone in a safe driving mode to reduce distractions. For instance, turn off notifications and set up GPS prior to leaving your house. This way, you’ll get turn-by-turn directions, so you can keep your hands on the steering wheel and avoid having to look down at your phone.

Listen to a radio show or a podcast. You will be able to start alert and your brain will tune it out when it needs to.

Consider carpooling with another driver so you can share the driving duties and have a second pair of eyes that can spot things you may otherwise miss.

Play verbal road games. Such games as “I Spy” will force you to keep your eyes on what’s in front of you, preventing you from moving your eyes away from the road.

 

As we navigate through life, the choices we make can have a profound effect on how our life plays out. While we do the best we can to anticipate the future, we cannot possibly know everything about what the future holds. We can be doing everything right our whole lives—eating healthy, exercising, enriching our hearts and minds with positive messaging through books or meditation. Then, one day, while we’re driving along, we don’t see another car speeding through a traffic light that slams directly into our driver’s side door, leaving us paralyzed from the waist down. That’s a pretty grim circumstance to talk about, but it does happen to people.

What is downsizing?

Downsizing is essentially moving into a smaller home than you had previously lived in. One major implication of downsizing is that you now have less space to store your belongings that you’ve accumulated, perhaps, over the past few decades. This can be extremely challenging and stressful.

When is the right time to downsize?

Not everyone is going to have the same reasons for downsizing their home. Perhaps all of your children are fully grown, have families of their own, and have their own places that they call home. If this situation applies to you, it would make sense for you to downsize your home because you may not need the empty space that your loved ones once used.

Another circumstance people sometimes find themselves in is their financial circumstances have changed. Maybe they’ve lost their job and can longer afford to live in the same home. So, to make matters more manageable for themselves, they downsize to a more affordable place.

If you find that your mobility has decreased over the years, homes with stairs, narrow hallways, or small bathrooms may present certain challenges that you’d much rather avoid if you could. Downsizing your home could present an opportunity to live in a home with a single floor.

If you’ve retired and have grandkids that you’d like to see more often, but they live in a different state, you may be presented with another opportunity to downsize your home.

What are some advantages to downsizing?

Access to equity – Given the situation that real estate prices are currently at an all-time high, you may have an opportunity to use the situation to your advantage. If you are a homeowner, you could cash out all of the home equity when you decide to sell. And, since you’re buying a smaller home, you may end up with no mortgage whatsoever.

Lower bills – Smaller homes tend to use less energy. This means lower gas, water, and electric bills. Who doesn’t appreciate paying less?

Less maintenance – Smaller homes have less square footage which means less space. You won’t need to spend as much time cleaning and maintaining your home. If you move to a condo or an apartment, your condo association or HOA will handle outside maintenance for you.

More accessibility – When you downsize, you may have the option to choose a home that is handicap accessible. It may come in handy in the years to come.

What are the disadvantages to downsizing?

If you’re an older adult, downsizing may be a good decision for you. However, before you make that decision, consider these cons:

Home availability – If it’s a seller’s market, this means that the inventory of available homes is lower. This means that those choosing to sell their homes during this time can list their homes at much higher prices. Additionally, since there are less homes available, those that are available may sell quickly.

Adjusting to small spaces – As is the case whenever you make a change in your life, there tends to be an adjustment period. Moving to a smaller space is no exception.

Leaving memories behind – No matter the size of your home, you will always have memories of significant events throughout your life. Maybe you’re moving out of the home in which you first decided to start a family. That undoubtedly is going to take an emotional toll.

Moving costs – Moving oftentimes requires a lot of upfront costs. Hiring movers, paying for storage space, or transportation costs should be considered, so make sure you have some money in savings to cover those costs.

How to Prepare for Downsizing

If you’re ready to downsize your home, follow these steps to make the transition into a smaller living space run more smoothly.

Fix up your home – Before selling your home, you’ll want to fix any blemishes. That means fixing leaky faucets, cracks in ceilings or walls, removing stains from carpets, etc. You’ll have a better chance at selling your home if you do these things and you may even be able to boost the selling price a bit.

Declutter – Go through your possessions and discard of anything you won’t be needing in your new living space. Keep anything you use frequently and donate, sell, or give away everything else.

Limit legacy gifts – While holding on to old family heirlooms has great sentimental value, you have to ask yourself whether or not your children value these items as much as you do. If you have old photo albums, consider converting digitizing them.

Measure your furniture – One of the worst scenarios you can have when moving into a new space is having your furniture not fit. Make sure you take measurements of your furniture pieces as well as measurements of your new living spaces to ensure that everything will fit nicely.

Call us! – There are several factors that go into the process of determining how much your homeowners insurance will cost. Just because you’re moving to a smaller home doesn’t necessarily mean that your insurance for your new home will cost less. Give us a call and we’ll be happy to help you through the process!

As a homeowner, underground service and utility lines on your property are your responsibility. Any damage to said lines is your responsibility. The alarming truth about this is the cost of these repairs can be substantial.

A typical homeowners insurance policy does not cover damages made to underground service and utility lines. If you want to be protected from a potentially serious financial hit, you’ll want to add this coverage to your homeowners insurance policy as an endorsement.

What service lines might run under my property?

Service and utility lines on the outside of your home include:

• Water and sewer pipes
• Cable, internet and electric wiring
• Natural gas pipes
• Propane pipes

How service lines become damaged

Damage to service lines can be caused by a number of different things. Some of the common causes include: tree roots, animals, an artificial electric current, the weight of vehicles pressing down or lines, rust, and wear and tear.

In addition to having to repair the service lines, the process of doing so could bring about additional costs. For example, a homeowner may be required to dig up landscaping, driveways, and sidewalks in order to gain access to these lines. Any outdoor property such as trees, shrubs, or even walkways may need repair after this process is completed.

Good news: Help for homeowners

If you have your homeowners insurance with ERIE, something called an ErieSecure Home insurance policy will grant you the opportunity to purchase additional protection that covers the cost of repairing service lines as well as related excavation costs, outdoor property damage and even loss of use.

Remember what we said earlier about having to foot the bill of costly damage to your underground service lines? Even if you didn’t physically cause the damage yourself, you would still be legally responsible for repairing these lines. This added coverage will pay that bill for you.

What’s covered?

Service line coverage is available when you add either the Plus or Select bundle to an ErieSecure Home policy. Coverage will be applied for physical damage to service lines i.e. cables, internet and electrical wiring, and damaged natural gas, propane and sewer pipes.

We’re here to help you, so give us a call at 301-948-2010 with any questions about this amazing coverage!

Do you ever feel like you just have too much stuff? Does living in a cluttered space where you can barely move make you feel stressed?

Believe it or not, there are many benefits of decluttering that will positively impact your life, almost immediately!

Decluttering can significantly improve your mental health and overall well-being. Going through this process thoroughly can help reduce anxiety and finding items that were previously lost. Additionally, it can ease future burdens. Let’s say you need to make a sudden change to your living situation i.e. downsizing, whether it be due to a divorce, you’ve lost your job, or there has been a death in the family, your loved ones can rest assured that the process of going through various items will take far less time because you already began that process long ago.

When you stop to take a look at just how much clutter you have in your home and your living spaces, it’s not uncommon to feel overwhelmed. Here’s a concise list of steps you should take to make the process easier for yourself.

Remove trash. Go around each room of your home with a garbage bag and throw away anything that is trash.

Start small. Begin your decluttering process by starting with small areas such as closets or kitchen drawers.

Get sorting. An easy way of going about this step is by creating three separate piles: keep, donate, and toss.

Give everything a home. If you plan to keep anything, do yourself a favor and find a specific area to store or display items you plan to keep. For example, eating utensils belong in the kitchen drawer, not your office drawer.

Store like with like. For example, tools should be stored with other tools. Mixing items will only create more chaos.

Establish the “one in, one out” rule. If you plan to keep something, plan to either donate or throw away something else. This will help you to keep the number of items in your home down to only what you regularly use.

Ask your loved ones questions before continuing to store something. If you have any items that you plan to pass down to your children or your children’s children, ask your kids what they would like to keep and what they are okay with never seeing again.

Don’t bite off more than you can chew. Remember the saying, “Slow and steady wins the race.”? Well, that holds true here. Do not allow yourself to become overwhelmed by trying to take on more than you are physically or mentally capable of. Instead, break down your process into small, easy tasks that are able to be completed on a consistent basis. That way, you won’t feel burned out and you’ll be able to look back on your work with pride once your process is finished.

Creating a home inventory is an effective and efficient way to help you organize your process of going through each room of your home. You will be better able to form a comprehensive list of your personal belongings and each items estimated values. This is extremely helpful and beneficial to you because it is your resource to use in case you need to file a homeowners insurance claim after a fire or other major disaster to happen to your home.

Office

If you have a home office, the first thing you’ll want to do is organize your paperwork. What should you keep and what should you discard? Make sure you always keep important items such as birth certificates, death certificates, marriage licenses, social security cards, military service records, pension and estate-planning documents, and life insurance policies. Your personal health and vehicle records are also important to keep in a secure file.

Rid yourself of any electronic devices you no longer use. If you have an old laptop or a digital camera that is missing a power cord, these items are now, sadly, useless to you. You can either throw them out or figure out a way to recycle them. Before doing this, be sure to remove any personal information from your devices.

Your children may have tested the waters of painting or sculpting. And every piece of artwork that your child hands to you is unique and special. If you save everything, you’ll soon have a massive collection on your hands. Remember, you still have a limited storage space. Instead of keeping everything, put your favorite pieces on display on an art wall.

Old photo collections are wonderful to have, but have you taken the time to organize them? Create a new album of physical photos or store them in a digital file that you can access later on.

Garage

Your garage may be one of the most cluttered spaces in your home. Use the walls of your garage to create more storage space. For example, you can use bungee cords, mason jars, and magnetic strips to effectively use wall space in order to store various items in your garage. Storing them securely against the wall can help you create far more storage space than you originally thought you had.

Your garage is probably one of the spaces in your home you frequently use and physically find yourself in. Be sure to lock up your tools in a safe and secure area. Get rid of any tripping hazards. Store ladders properly, so that they are safely out of the way. Fire extinguishers should be kept in a secure place that is also easily accessible.

Kitchen

Certainly, you spend almost, if not every day in your kitchen. Make sure you take the time to go through items in your refrigerator and pantry, paying special attention to expiration dates. Rid yourself of anything that has expired.

Over the years, if you haven’t taken the time to assess how much “stuff” you have, it’s not unlikely that you have duplicate items in your possession. How many spatulas or tongs do you have? How many cutting boards? How many drinking glasses? Donate anything you don’t need.

If, after going through your storage containers, you find that some of them do not have a matching lid, get rid of them. This will help you declutter and rid yourself of any items you can no longer use.

Bedroom

When was the last time you went through your closet? Are there any shirts or pants that you haven’t worn in years? Get rid of them. All those items are doing is taking up space. Perhaps there are some items you have outgrown? It’s time for them to go.

 

Did you know that in some states, it’s actually against the law the drive with snow and ice on your car? Even in states that do not have an this, police still have the authority to issue citations for offenses such as driving with an unsecured load. Driving safely during winter is challenging enough as it is. Why make your time behind the wheel more risky than it needs to be? Here’s what you should know to deal with snow and ice on your car.

How to Effectively Remove Snow and Ice from Your Car

When you are brushing off your car, it’s important to make sure you clear as much snow and ice as possible.

Roof: As you’re driving, especially at higher speeds, snow and ice can easily fly off of your roof, potentially hitting other cars. This can cause accidents and in some cases fatalities.

Windshield & rear window: Clearing your windshield and your rear window increases your visibility. Break up snow and ice around your windshield wipers and washer fluid nozzles as well.

Side windows and side view mirrors: Removing snow and ice from these areas is just as important as doing so from your windshield because you are better able to see the traffic on each side of your car. In the event you need to maneuver away from someone, you will be able to do so because you will see it coming. Always pay attention to your surroundings.

Headlights and taillights: This is more about helping other drivers see you, which is equally as important when you’re out on the road, especially in bad weather conditions.

License plate: Front license plates may be required in the state in which you live. Having your license plate obstructed in any way may result in a citation from a police officer.

Hacks for Cleaning Off Ice and Snow from Your Car

Using your defrosters: Turning on your front and rear defrosters as soon as you start cleaning off your car will greatly assist in the process and save you a lot of time, especially with ice. The best and safest way to clean off your car is to do so before you start driving. This means you should afford yourself some extra time before you start your commute. When you turn on your defrosters, it’s very possible that your windshield will fog up, compromising your vision and making it more difficult to drive safely.

Give yourself time: As stated earlier, to be safe, you should give yourself some extra time to thoroughly clean off your car before you start driving. Especially if hard ice is stuck to your car, you’ll most likely need to exert more physical energy to get the job done. More time allow you the opportunity to breaks if you get tired.

Watch your wipers: Never pull on frozen windshield wipers. Doing so could ruin them. Instead, use an ice scraper to carefully chip away at the ice. Make sure your car’s defroster is turned on while you’re doing this to assist in the process.

Avoid hot water: Pouring hot water directly on ice-cold glass can be risky and dangerous. You’re leaving your windshield at risk of cracking.

User proper snow brush: Using the wrong kind of brush for this task could leave scratch marks behind.

Start from the top: Don’t neglect the snow and ice on top of your car. Handle that first. The snow and ice at the top of your car can and will slide down to the bottom, thus doubling your work.

Consider using a deicing spray: Spraying a thin sheet of deicer over all windows of your car can help save yourself some time. Commercial-grade sprays will help make the job faster and easier.

At the end of the day, the best way to protect yourself and you family is by having sufficient auto insurance coverage. And while states around the country have different requirements with regard to limits of liability, we recommend having at least $250,000 coverage per person for bodily injuries if involved in an at-fault auto accident, $500,000 per accident, and $100,000 coverage per incident.

 

Getting older is a natural part of life. There are those moments we all look forward to as adolescents: getting our driver’s license, buying our first car, or buying our first home. As we gain more and more independence from our parents, however, we do begin to realize a certain reality that is painful to some of us; living independently in the world can be expensive!

We do have good news for you! If your parents are insured with ERIE Insurance, when it comes to you being covered, your age does not matter. As long as you live under the same roof as your parents, you are able to keep your name on their car insurance policy. Once you buy your own vehicle or get your own place, you’ll need to obtain your own insurance. If you have questions, feel free to give us a call at 301-948-2010.

When I Go Away to College, Do I Need My Own Insurance Policy?

With regard to you going away to college, distance does not matter when it comes to staying protected by your parents’ policy. As long as you do not plan to make your college town your permanent place of residence, you are covered and you do not need your own policy.

If I Move Out, Can I Stay On My Parents’ Insurance?

No. If you are moving to an apartment or buying your own home, and you have your own car, you will need to get your own policy with yourself listed as the first named insured on the policy. This rule applies to renters as well. Again, we do have some good news for you! If you bundle your auto insurance with your home or renters insurance, you are eligible for certain discounts!

Is It Cheaper for Me to Stay On My Parents’ Policy?

The short answer is…not necessarily. There are a number of factors which determine your auto insurance rates: your car’s safety rating, your own driving history and your age. While staying on your parents’ policy may mean you are eligible for the same discounts that they have i.e. a multi-policy discount, if you get your own policy, you may also be eligible for certain discounts.

When I Buy a New Car, Do I Need My Own Policy?

If you are planning to buy a new car and have it listed in your name only, you will be required to get your own auto insurance policy.

Whether you’re getting married, planning to have children, or if you have anyone in your family that depends on you, it’s important to do the best you can to anticipate what is going to happen in the future. While no one can have an absolute certainty on what the future holds for them, there are a number of important steps you can take the make your future–and the future of those you care about most a secure one. Here is a short list of questions you should ask yourself if you are recently married or plan to be soon.

1. We’re getting married. Should we join our auto insurance?

 

If one of you has a long list of at-fault accidents on your driving record or auto insurance claims, it may be a better idea to keep your auto insurance policies separate. If you both have a good driving record and no recent gaps in your insurance, you may be able to save some money by combining your policies.

 

2. We’re searching for our first home. Should homeowners insurance factor into what we decide to buy?

Did you know that there are various factors that can determine how much you are required to pay for your homeowners insurance? Factors such as distance from a fire department, proximity to areas more prone to storms, the age of your home and your claims history can all have an effect on the overall cost of your insurance.

3. We’re having a baby? Should we get life insurance?

Adding a new baby to the family means added responsibilities and added costs. A life insurance policy can assist you with fulfilling those responsibilities and covering those added costs in the event of an untimely death. A life insurance policy can also help you cover the costs for a funeral. Even more, it can help to pay off your mortgage and help to fund your child’s education.

4. Term or whole life?

 

Term life insurance provides coverage for a specific amount of time. For example, a 30-year policy can help cover the costs of a 30-year home mortgage. For young people, a term policy is often the better option because it tends to be the most affordable. The good news is that you do have the option of converting your term policy to a whole life policy later on.

 

Whole life insurance offers coverage for the duration of the policyholder’s life. It is sometimes referred to as a permanent life plan.

 

5. What do you offer beyond the basics for homeowners insurance?

Call us to discuss options to expand your coverages beyond the standard homeowners insurance policy. We can help you to protect your underground service lines, appliances, and more.

6. We’re used to making purchases online. Why do we need a human insurance agent?

In today’s day and age, with so many parts of life now involving automated messaging and assistance, it can be difficult to navigate the process of getting the best insurance for you. That’s why speaking with a real person is so beneficial. One of our experienced insurance professionals can help answer any and all questions you have, so that you can be sure you are getting the best coverage for you.

When you’re young healthy, life insurance is probably the last thing on your mind. You’re probably more focused on eating whatever you want, traveling to various destinations, and skydiving (okay, maybe not skydiving, but participating in other endeavors that could pose a risk to your life). While you’re young, maybe you think you don’t have to pay attention to overall health. That couldn’t be farther from the truth. Sure, it’s okay to indulge yourself occasionally, but one of the keys to prolonged health and prosperity is developing healthy habits.

When you’re young, a life insurance policy is going to be more affordable. Why? Because insurance companies take into account the fact that young people are predominantly more healthy and are far less of a risk to develop chronic ailments, diseases, or severe illnesses.

While you’re young, it’s the perfect time to add what’s called a Guaranteed Insurability Option rider or GIO.

The fact of the matter is that we can’t know precisely what’s going to happen tomorrow, five years from now, ten years from now, or 30 years down the line. Life Insurance gives you the chance to be proactive rather than reactive. And remember, if you’re in a situation where you’re reactive, especially in cases of your physical health, it’s probably going to cost you more than if you took the time to plan and anticipate what could happen in the future.

A lot of young people are deterred from purchasing a life insurance policy because they have this misconception that it’s expensive. It’s actually quite affordable.

Some important questions to ask yourself are:

• Do you currently have a mortgage or any outstanding student loans?
• Are you a single parent with a child or multiple children who depend on you?
• Are you the sole earner in your household?
• Do you have a family that needs care in the event you are no longer around the provide for them?

Depending on your circumstances, particularly your financial situation, a term life insurance policy may be better suited for you if you don’t have money saved. The risk you take with a term life insurance policy, though, is that it may never pay out. A better option that provides more security and peace of mind is a whole life insurance policy. A whole life insurance policy offers:

• Guaranteed life insurance protection that will never decrease.
• Guaranteed cash value that can be borrowed to take advantage of future opportunities.
• Payments guaranteed not to change, regardless of changes to your health.
• Additional accelerate death benefit option for terminal illness included at no charge.

A Guaranteed Insurability Option rider helps you create the ability to protect yourself throughout your life. You have it for as long as the policy is in place.

It’s important to remember these few limitations: you only have the ability to add to your coverage through your GIO rider up to the age of 46 and you can’t exceed the million-dollar coverage limit.

As long as you have the GIO rider, you have the ability to add coverage to your policy for qualifying events such as: getting married, purchasing a home, and having a child. You are able to purchase additional life insurance coverage without having to take the step of going through underwriting all over again.

 

 

1. Make a plan.

Before you have any type of gathering with family or friends, it’s best to come up with a solid plan. How many guests will you be having? How much food will you need? Do you need snacks or do you think it’s a better idea to grill for a larger group? What kinds of drinks will you be having? Will alcohol be made available for consumption? Always remember that, depending on the time of year, the weather conditions will be different. Always dress appropriately for the weather. Finally, don’t forget that emergency first-aid kit and jumper cables in case your vehicle won’t start.

2. Food Prep and Storage.

Storing your food items properly is essential in order to prevent food-born illness. If you plan to grill, foods such as burgers and hot dogs need to be cooked at at least 160 Fahrenheit. Foods that are meant to be served cold such as deli meats and bread for sandwiches and subs should be kept in a separate cooler. Do your best to not keep food out for longer than two hours to avoid food poisoning or upset stomachs.

3. Safety and Sanitation.

If you’re planning to grill, be sure to bring an apron (you’ll thank yourself later as cooking and food prep can become messy at times). Another essential item to have nearby is a functioning fire extinguisher in case of an emergency. For easy clean-up, elect to use plasticware instead of metal forks, knives, or spoons.

4. Don’t forget to have a designated driver.

 

We understand that it is a common practice to consume alcohol at sporting events, especially tailgates. Speak with your group before your event to see who will be your designated driver. Doing so eliminates concern over the possibility of someone getting behind the wheel while impaired. Additionally, if you choose to drink alcohol, be sure to have plenty of food and time between the time you are spending at the game and the time you choose to leave. We all want everyone to get home happily and safely.

 

5. Heading home.

Before leaving your tailgate area, clean up all forks, knives, spoons, plates and drinks around your area. Examine the area around your vehicle. Look out for glass bottles or any debris that could potentially cause damage to your car. Also, anticipate long lines when leaving. Cars may be bumper to bumper as they move toward the exit. Stay alert and don’t get distracted.

Winter can certainly present significant challenges to your everyday life. Harsh weather conditions combined with frigidly cold temperatures can reek havoc on both your home and your vehicles. If you want to make sure your car and your wallet are both protected, pay attention to these tips:

1. Tires – Good tires are extremely important when you’re on the road. If your tires have little to no tread left on them, you are leaving yourself at risk of a potentially serious injury from a car crash, not to mention hurting other drives in an accident. Depending on the circumstances, that insurance claim may leave you footing some of the bill out of your own pocket. Additionally, having tires with little to no tread leaves you in danger of hydroplaning when it rains.

 

If you are in need of new tires, get replacements before it snows. Snow, ice, and slush can present dangers on the roadways. Snow tires are best if you live in an area where snow is frequent. Also, keep an eye on your tire’s pressure. Tire pressure tends to fluctuate when temperatures change. Having proper tire pressure can also help you save money at the gas pump.

 

2. Wipers – Having properly functioning windshield wipers is essential to keep you and your loved ones safe when you’re behind the wheel. Torn wipers can cause serious visibility issues. Contour blades work best that have a metal blade in them. Consider changing your wipers to winter wipers, so that you’re in the best position possible to stay safe in harsh weather conditions.

 

3. Winter windshield washer fluid – Winter washer fluid is better able to tolerate colder temperatures in order to prevent freezing. Warm-weather fluid doesn’t have the ability to handle the colder temperatures, thus being at risk of freezing and cracking. Inspect your windshield for any chips or cracks as well. When temperatures drop, any small chip or crack can become much worse. It’s better to fix these problems sooner rather than later to protect your wallet.

 

4. Don’t forget the basics – Routine maintenance such as oil changes and tire checks and rotations are of paramount importance. Any cabin air filters or engine air filters that are dirty should be replaced immediately.

 

5. Clean windows and mirrors – Having good visibility is extremely important when you’re behind the wheel. Not only are you able to see what’s in front of you, but you can see what’s around and behind you as well. Your windows and mirrors need to be clean. If you have any advanced safety systems in your car, keep them free from snow and mud to ensure all cameras and sensors are working properly. If areas around your car freeze, you are leaving yourself at risk of blockages and buildup, thus potentially allowing water to come into your car. If this happens, you’re looking at a messy and potentially expensive situation.

 

6. Alignment – In ordered for your advanced safety systems to operate correctly, your vehicle needs proper alignment.

What is Black Ice?

Black Ice is a very thin layer of ice that can form on road surfaces in cold weather conditions. It is extremely dangerous because it is difficult to spot on the road.

How Does Black Ice Form?

When snow or moisture from the air freezes rapidly, thus attaching itself to the frozen pavement. Freezing rain can appear white or translucent due to air bubbles being trapped. Black ice is far more dangerous because it is perfectly clear, making it that much mor difficult to see at night.

Where Can You Commonly Find Black Ice?

Whenever you have little to no sunlight, these areas are especially at risk of having black ice form. Back roads that are not used frequently, as well as in tunnels, underpasses and bridges are also common areas where black ice forms.

How Do You Know if You Are Driving on Black Ice?

You can’t see black ice, so if you’re driving along and your car begins to slide or lose traction, you’ve probably come across some black ice. You should never make drastic shifts with your steering wheel or your brakes when driving in harsh weather conditions whether it be in rain or heavy snow. If even a small shift in your steering seems to generate an exaggerated response from your vehicle, you may be driving on black ice.

To stay safe, drive slowly in conditions where black ice can form. Reduced speeds lessens the likelihood of you skidding or losing control of your vehicle. Do not use cruise control in these conditions.

Do not make jerky, reactive movements that could cause skidding or an accident. Slow and steady is the best approach to navigating through black ice.

How Can You Recover from Skidding on Black Ice?

If you are operating either a front-wheel or all-wheel drive vehicle, turn your steering into the skid. Change the direction of your steering if the skid takes you in a different direction. Be sure to maintain your speed and do not apply any pressure to your brakes or gas pedal. If you have a manual transmission, push in your clutch.

Never slam on your brakes when you encounter black ice.

While driving, be gentle with your steering wheel movements. You don’t want your vehicle’s back end to start sliding in the opposite direction. Straighten your steering wheel and gently apply pressure to your accelerator.

How to Stay Safe in Winter Weather Driving Conditions

One of your best defenses against winter weather conditions and slippery road surfaces are good tires. All-season tires with good traction and tread depth are ideal. If you live in an area where it snows consistently, go with a set of snow tires.

When weather conditions are not safe to drive in and you are in a situation where you don’t necessarily need to be behind the wheel, isn’t it nice to stay in with family and have a family game night? Here are six ideas for your next family game night!

1. Classic board games – Games like Monopoly have been around for years! There are many games you can play with your loved ones that are sure to make you feel nostalgic. See who has the steadiest hand with Operation. Or, if you’re feeling up to the challenge, see which one of you can conquer the world with RISK.

2. Dice games – Dice games are easy to play and come in plenty of variations. Try to roll all five of the same numbers to score a Yahtzee! Be the first to score 10,000 points in Farkle. Roll as many 2s as you can in Bunco. Or see who can match all of their dice the fastest in Tenzi.

3. Card games – If you have young ones in your family, matching colors is a fun way to introduce them to card games. You can do this with UNO. If your crowd is filled with adults, Cards Against Humanity is sure to muster up at least a few laughs.

4.Guessing games – If you have enough guests at your home to form at least two teams, Charades is a fun game that is sure to get everyone involved. You can have one team members acting out a favorite activity, or, if you’re a movie buff, a scene from one of your favorite movies. Remember, though, it’s against the rules to talk!

5. Singing competitions – When was the last time you belted out your favorite song at the top of your lungs? Maybe in the car? Well, get together with your family or friends and see who has the best vocals with a karaoke night. A karaoke machine only adds to the fun!

6. Puzzles – Puzzles are a great way to involve the whole group.

Make the evening even more fun by ordering some pizzas or having an ice cream sundae station! This is a great way to build lasting memories for your children.

When it’s freezing outside, what is the first thing you want to do? Don’t you want to get inside your warm home as quickly as possible? Here are some easy ways to seal off drafts to keep your home warm throughout the winter.

 

1. Windows: Secure the sash locks along all of the windows in your home to clamp them down as much as possible. Another way to seal windows is by caulking.

 

2. Exterior Doors: Install a door sweep along exterior doors in order to help keep cold air from entering your home.

 

3. Curtains: Put up extra thick curtain. Consider buying ones that have thermal lining for extra insulation.

 

4. Weather stripping: Seal gaps between doors and side jambs with long pieces of weather stripping.

 

5. Chimney: Invest in a chimney balloon if you have a fireplace that you don’t use often. They don’t cost much and will definitely help you with preventing cold air from coming into your home. They also prevent warm air from escaping. Be sure to remove them before you build your next fire.

 

6. Interior rooms: Close the doors on unused or rarely used rooms.

 

 

7. Floors: Throw a rug on bare floors. By doing this, you can prevent as much as 10% of a heat from escaping your home.

 

8. Cracks: Squirt some silicon-based filler between any cracks or gaps in your flooring.

 

9. Insulation: Insulate attics and lofts with foam insulation. This is very affordable and is a great way to keep your pipes from freezing. If you prefer to do this yourself, be sure to wear protective gear such as a facemask, goggles, and protective clothing.

 

10. Air Conditioning: Place plastic covers over air conditioning ducts.

 

11. Vents: Check to make sure there are flaps over clothes dryer and bathroom fan vents. Without them, you are leaving a significant hole that is constantly allowing cold air to enter your home. Also, when you are looking over your dryer, check to see if any lint is trapped. Remove it. Lint has the potential to cause fires.

 

12. Exterior walls: Put up pictures or a mirror on exterior walls. Doing this can help insulate walls from any outside air.

 

Winter is approaching fast. While we all want to keep ourselves warm, let us not forget about our furry friends! Dry air and freezing temperatures can present certain dangers to your pets. Here are some tips to keep your four-legged furry family members safe and warm until spring arrives.

1. Add some layers. While our furry friends do have fur to help them battle through cold weather conditions, the Humane Society warms that windchill can still be perilous for pets. Exposed skin on their ears, nose, and paws is at risk for frostbite and hypothermia. Please don’t forget to add a jacket or a sweater before letting them go outside to explore.

 

2. Protect their paws. Rock salts and other chemicals can irritate your pet’s paws as well as their stomachs if they decide to lick their paws after a recent walk. Add some booties to their winter wardrobe or be sure to check and wipe their paws off after each walk in order to remove the salt. Petroleum jelly can be effective in limiting salt pickup.

 

3. Throw on the humidifier. Just like with us, out pet’s skin can become dry and flaky in the winter. By turning on the humidifier, you are adding some extra moisture to the air. Your furry friend will thank you for it! You can also add some moisturizing shampoo into their bath-time routine.

 

 

4. Skip the haircut. While regular grooming is essential in maintaining your pets health and comfort, an extra layer of fur is helpful during this particular time of year.

 

5. Keep poisons out of reach. Antifreeze is dangerous if ingested, so be sure to keep that and other harmful chemicals and poisons far away from your pet. Cleaning products should always be properly stored away from your pet. If you spill any chemicals on your kitchen floor, don’t neglect them and say you will clean them up later. Do it now, so your pet can’t get hurt!

 

 

6. Take extra care during the holidays. We are certainly not saying that you shouldn’t decorate your house during the holidays. However, when you put up any holiday decorations in and around your house, just know that anything sharp could potentially injure your pet. Make sure your pet stays a safe distance away from any sharp objects and electrical wires.

 

7. Let them exercise! Because it’s frigidly cold this time of year, consider buying your pet some extra toys to play with inside! Rubber toys are far more durable than anything containing foam or cotton, so consider purchasing those if you don’t want to have to make frequent visits to your local pet store or your favorite online website!

 

 

8. Take shelter. Depending on where you live, you could be charged with a criminal offense if you leave your pets outside in extreme temperatures. Before you leave your house, make sure your pet is safe and warm inside.

 

What Is Roadside Service?

Roadside assistance refers to coverage you have the option to add to your current auto insurance policy. It can help you when you find yourself stranded due to unexpected car trouble i.e. a flat tire. Car trouble can happen at any time; when you’re at work, out running errands, or even when you’re lounging at home.

What Does Roadside Assistance Cover?

Over the course of a lifetime, there’s a good possibility that you or someone you know will be faced with some kind of car trouble. Whether it’s getting a flat tire, running out of gas, or facing a mechanical issue, none of these situations are fun and can result in you being stranded on the side of the road, hopefully not a busy highway. If you have Roadside Assistance Coverage on your auto policy, at least you can rest assured that someone will come to your rescue. All you have to do is pick up the phone and call ERIE’s roadside service at 1-800-FOR-ERIE and select Option 2 to be connected to Agero, ERIE’s partner for nationwide roadside assistance.

Roadside Service coverage through ERIE can help you in situations where you are locked out of your car, flat tires, mechanical breakdowns, dead batteries, and even if you run out of gas. If you need to pull your car out of a ditch or snow, you are covered as long as you are within 10 feet of a highway. If not, there may be an out-of-pocket expense. Coverage provides towing service to the nearest garage plus 20 additional miles. Any distance beyond this must be paid out of pocket.

What Is the Cost of Roadside Service?

Adding this coverage to your policy will cost you about $5 per vehicle per year. It is available with a purchase of either comprehensive or collision coverage. In addition, you can also purchase this type of coverage with ERIE’s Roadside & Rentals bundle, which includes rental car expense coverage.

What Types of Vehicles Are Eligible for Coverage?

Cars, light trucks, and motorcycles are eligible for this coverage. Service also includes horse, livestock and other trailers that are pulled by vehicles that ERIE insures.

If you have any questions, do not hesitate to call us at (301) 948-2010 and ask to speak with one of our experienced insurance professionals.

In today’s day and age, it’s not uncommon to see multiple package on someone’s doorstep at any given time. That’s because many consumers are electing to buy products online instead of going to their local malls, stores, and shops. With this new convenience also comes an unfortunate reality. Many people have their items stolen from their front porches. In fact, according to a 2021 Consumer Reports survey, 11% of Americans have had at least one package from their front porch.

One factor that determined whether or not you were likely to have your package stolen was socio-demographic variables. It was found that package theft was most commonly found in multi-family dwellings than single-family homes, as well as in urban areas (16%) than in suburban areas (9%) and rural areas (8%). Package theft was also reported to have occurred among younger individuals and lower-income households, with 21% of affected respondents making less than $30,000 per year and being within the 18-29 age range.

There are ways to protect yourself, however. If you order from Amazon, consider granting inside access. Amazon Prime members in certain areas can sign up for something called Amazon Key: a service that grants Amazon delivery drivers to access a certain secure area of your home.

Before the COVID-19 pandemic, this meant that a driver could leave a package in your home, garage, car, or behind a motorized gate. Amazon decided to pause its in-home and in-car delivery services, however, when the COVID-19 outbreak began. It may be useful to know that this particular service is still available for in-garage and in-gate delivery.

If you want in-garage delivery, you’ll need what’s called a Chamberlain MyQ Smart Garage Control. You can get this for $30. Pair this internet-connected device with your garage door motor to allow the Amazon employee to open and close your garage door for the delivery.

You are also able to control your garage door from the Amazon Key smartphone app. Other options include connecting a Ring video doorbell ($100 – $350); Ring security camera, $60 – $250, or a MyQ security camera, $150) These items allow you to capture video footage of the delivery itself.

You can also monitor your front porch with a security camera or video doorbell.

Keep tabs on your packages by signing up for alerts. These notifications can be sent to your email address or cell phone by text message.

Requiring a signature is another safe way to ensure you receive your package because it means they aren’t simply dropped off at your front door. The one downside to this is you have to be home.

If your package is stolen, consider contacting the retailer. Although retailers may have different policies regarding lost or stolen packages, it never hurts to notify them.

Contact the shipping company. Shippers usually require the sender to initiate a claim. It’s important to take this step as quickly as possible because there is a time limit for when this step is allowed.

Check your insurance. If the item is worth more than your insurance deductible, unfortunately, this will not help you. But, it never hurts to check.

Consider involving the police. If you’re making a claim with a retailer, shipper, a credit card company, or an insurance company, you’ll need to file a police report.

Rising interest rates and inflation may have you reconsidering your options regarding purchasing a new or used car.

You could have the option to buy out your leased car at a lower cost than what the car is actually worth. Although rare, it provides some options you may not have otherwise. For instance, you could buy out the lease and then sell the car privately, thus giving yourself some extra cash to put towards a new car. Consult your dealership to learn more about your options.

New Cars Are Hard to Come By, And Deals On Used Cars May Be Hard to Find

Your Checklist For Buying New and Used

• Get your finances in order
• Decide if you want a monthly payment
• Get pre-approved for an auto loan.
• Shop for the best interest rate

Make Your Wish List

This is all going to depend on your lifestyle. Do you have a big family? You may want to refrain from buying that two-seater. Ask yourself these questions before making your purchase.

• What’s more important: space, comfort, or sport utility?
• How many seats do you need? Is it just you and one or two passengers or do you have a large family?
• How many miles do you plan to drive annually?
• Do you haul anything i.e. a boat or a camper? If you do, how much weight do you typically haul?
• Do you need a vehicle that has all-wheel-drive for snowy or icy weather conditions or will a two-wheel drive car fit your needs?
• How much are you willing to spend for gas? Do you want a more fuel efficient vehicle?
• If you are considering an electric or hybrid model vehicle, do you have a way to charge the car or do you have charging stations nearby?

 

Do Your Research

• Go online and look up dealership websites in your area in order to find out what inventory to readily available.
• Review Kelley Blue Book values and CARFAX reports
• Call us at 301-948-2010 if you have questions about what kind of car would cost more or less to insure, depending on your particular budget.

 

 

 

At the beginning of the COVID-19 outbreak, housing experts were predicting a crash in the market. That did not happen. Instead, home prices in the United States skyrocketed an incredible 37% in the two years between March 2020 and March 2022.

Home prices have been inflated by as much as 25%. Because of the dramatic increase in home values, you may be wondering if your current homeowners insurance policy is still sufficient enough to cover you in the event of a loss. This depends greatly on two factors, whether your home is insured using market value or replacement cost.

What is market value?

Market Value refers to the amount your house and land would sell for on the real estate market. Factors that may determine a homes market value include but are not limited to: your neighborhood, school district, crime rates, and values of others homes in your surrounding area.

What is the difference between market value and replacement cost?

As an example, let’s say that your home has a market value of $450,000. Current construction and materials costs are $500,000. This would mean that you would be left with a $50,000 coverage gap. Your options moving forward would be to build a smaller, less expensive home, or to pay the difference out of your own pocket. There is a way to avoid this. It is by obtaining Guaranteed Replacement Cost coverage.

What is replacement cost?

Replacement Cost refers to the estimated amount of money it would cost to repair or rebuild your home with the same or similar materials in the event of a total loss. The cost of building materials may fluctuate, so it is important to keep that in mind. Additionally, contractors hired to do the building may cost more or less depending on certain situations.

What is guaranteed replacement cost?

Guaranteed Replacement Cost is the best coverage you can have when it comes to protecting your home. By obtaining Guaranteed Replacement Cost coverage, you are guaranteed to be protected against a claim on your homeowners policy. If your house burns down, this coverage will guarantee that your home will be rebuilt back to its original state before the event occurred.

ALERT: If you have any improvements to your home that are valued at $5,000 or more, those need to be reported to insurance company within 90 days! This is extremely important to remember!

There’s nothing quite like a freshly manicured lawn. Every homeowner dreams of enjoying such a majestic reality. However, do you know just how much goes into accomplishing this for yourself and your family? It takes a lot of time, work, and money.

Some of the steps you need to take for simple lawn care are to water, fertilize, mow, weed, trim, dethatch, aerate, and much more. It’s definitely a process. To make matters worse, once you start, if you don’t continue the process to completion, you are looking at something that might look like something similar to a gloomy, abandoned, beat down, unattractive plop of land. No one wants that. And if you are part of a homeowner’s association, forget about it. You will definitely be getting some phone calls. Many homeowners choose to go a different route with their lawn care, deferring from grass altogether.

Here are some of your options if you do not want to use grass for your lawn:

Clover: A low-grade grass alternative, clover is inexpensive, easy to plant, and stays green without the need to water. Another advantage to clover is it may only require mowing a few times a year.

Moss: Moss has the ability to grow in poor or rocky soil conditions. Also, its springy texture can feel like a carpet underneath your feet. While moss may require a more substantial investment upfront, it may afford you years of enjoyments without to need for maintenance. Consult a landscaping professional for the best advice on what type of species of moss fits your yard and climate best.

Ornamental grass: One of the greatest perks of ornamental grass is that it is drought-tolerant.

Gravel: Install a landscape fabric beneath the gravel to prevent weed growth, but using gravel is an excellent alternative to grass if you want rid yourself of yard work entirely. Everything from crushed granite to lava rock to recycled glass, you have a wide variety of options to choose from.

Artificial turf: Faux grass was once commonly used for sports stadiums, Today, it is making its way into home yards and landscapes. Manufacturers have become so good at creating surfaces that are nearly identical to real grass. Although artificial turf does not require watering, it does require the occasional raking as well as infill (a product used to weigh down the turf and provide a layer of cushion). Be mindful that this option is on the more expensive side, coming in at around $25 per square foot of material.

Wildflowers: If you want a more colorful landscape, wildflowers are a wonderful option for you to consider. Before starting your project, do some research to see which flowers are best suited to thrive in your particular climate. This type of landscaping may require annual maintenance.

Ground cover plants: These types of plants spread quickly and require very little maintenance. You will want to do a bit of research first if you choose this option because each plant may require different amount of sunlight to thrive.

When Should I Replant My Lawn?

Depending on the type of lawn you choose, you will need to consider the time of year you begin your project. If you choose something like artificial turf or gravel, you have nothing to worry about as far as timing is concerned. If you choose something that isn’t artificial, pay attention to the season in which you begin your work.

 

How Do I Remove The Grass I Currently Have?

Start digging: Use a flat shovel to slide under the grass, pulling it up by the roots.

Use a sod cutter: Go to one of your local home improvement stores and rent a sod cutter. This will help you cute your grass into neat, manageable strips. Once you do that, it’s as easy as rolling up a carpet.

Solarize it: Make sure you water your lawn and then cover it with a clear plastic sheet. The sun will do the rest of the work. After a few weeks of direct sunlight, your grass will be dead and ready to be removed.

Try sheet mulching: Cover your soil with a layer of compostable material, such as newspaper or cardboard. Add a compost of mulch of top of that. Since mulching takes several months, it is recommended that you start this process in the fall. Allow your lawn to decompose over the winter. When spring comes, you will be greeted with rich, nutrient-dense soil.

Every year as a part of celebrating Halloween, many families participate in the age-old tradition of pumpkin carving. Sometimes, however, injuries can occur if proper caution and care are not taken when creating your spooky

Prepare your pumpkin and carving area

It’s important to keep your pumpkin dry, so it doesn’t slip out of your hands as you’re carving it. Be sure to place newspaper underneath your pumpkin and to have paper towels on hand. Finally, make sure that the area where you are carving has sufficient lighting.

Choose the appropriate tools

When it comes to carving your pumpkin, you shouldn’t necessarily think that sharper is better. Pumpkins have thick areas that a knife can potentially get stuck in. Attempting to force the knife out of the pumpkin could lead to serious injury. So, consider using plastic tools to minimize the risks of injury. They can still get the job done.

Leave carving to the adults

Allow your kids to trace the design they want for their pumpkin and then dig out the seeds from inside the pumpkin. Once ready to start carving, the adults should take over.

Have a first-aid kit nearby

In the event of an accident while carving, apply direct pressure to the injury with a clean, dry cloth. If the injury is severe and the bleeding doesn’t stop, seek professional medical attention.

Keep your options open

Instead of using sharp knives, you can elect to go the safer route by using such tools as cookie cutters or melon ballers. These items can help you create fun shapes and designs without risking injury. Painting your pumpkin is another option you can consider.

Be careful with the candle flame

Handling a flame always requires great care and caution. Any candle holds the risk of becoming a fire hazard that can spread quickly. Keep flames far out of reach of children.

Are you currently facing a decision or problem? It could be at work or in your personal life. No matter what your particular situation is, it is important to have a plan. While no one can know what the future holds for us, we can take certain measures to ensure that our future and the future of our loved ones are secure. We can come up with a plan! Here’s why planning is so important:

Planning helps you set appropriate goals

Planning helps you refine your goals and to figure out if it’s realistic or not. You may have gone to a friend or a family member with something you thought was a fantastic idea! That friend or family member may have heard you and replied with something along the lines of, “You should be realistic”. It’s not uncommon for this message to be taken negatively. In fact, some of the world’s most brilliant minds have said that the worst advice they ever received was to “be realistic”. To ensure that you don’t fall into the pit of discouragement and despair, break down your goals into step by step processes, so they will be more manageable and you will have a far greater chance of success!

Planning breaks a problem or goal down into smaller pieces

As stated above, breaking down your goal into smaller steps and pieces will help you to achieve what you want. Before you start, this process may seem overwhelming. All you have to do is take that first step and get started!

Planning reveals weaknesses (and strengths)

As you work through a plan, you will begin to see both what makes the plan strong as well as any weaknesses your plan may have. It’s important to stay focused and to not sabotage yourself. Write down the strengths of your plan to give yourself affirmation that it’s a good idea!

Planning increases certainty and confidence

Have you ever taken a test that you didn’t study for? Did you have any confidence that you were going to do well? Or maybe you had a role in play. When you took the stage, how did you feel? Did you feel confident or did you feel the need to retreat back into yourself? Practice gives you the confidence you need to be successful. Planning goes the same way.

Planning increases efficiency

Have you ever been a part of a project team that didn’t plan well enough? Did you not get your desired result? When it comes to a project for a business or any project for that matter, lack of planning leads to waste i.e. wasted money, wasted resources, and most important, wasted time. You will be far more efficient and will prevent waste if you plan ahead.

Planning reduces risk

Planning gives yourself and others around you (if you are working with members of a team) reassurance and confidence that a project will be successful. With that confidence, they will be more likely to invest their time and money in what you have to offer. A carefully presented, well-thought-out plan, will help show that you did you due diligence in making sure that risk has been reduced as much as possible.

Planning increases your credibility

If you come up with a plan that is effective, your team will see that and may even praise you for it. If you are competing for a promotion at work, those in leadership positions will see your effectiveness  and you very well may be rewarded for it.

Planning gives you more peace of mind

Any time you embark on a new challenge, you’re bound to face some form of stress. Planning can help you reduce that feeling of stress and actually give you confidence. If you take the time to weigh pros and cons, stress won’t go away completely, but you’re more likely to gain that peace of mind that you want and need to make effective decisions to achieve your goals.

The first Halloween celebration that took place in the United States occurred in Anoka, Minnesota in 1921. It’s been over 100 years since and Americans are still as eager as ever to dress up in their favorite costumes and participate in the old tradition of trick-or-treating.

Before you head out this year, take some time to come up with a plan so that you and those you care about can have a fun time while being safe at the same time.

Set boundaries – Before you leave your house, be sure to plan out a safe route to ensure that those you are with are familiar with the major streets in your area. This way, they can easily navigate themselves back to your home once the evening is finished. It’s a good idea to explain the importance of only visiting homes that have lights on. Never enter the home of a stranger for any reason whatsoever. There is also a higher likelihood that drunk drivers will be on the roads during the night.

Drive safe – Always remember to never text while driving and to keep your eyes on the road in front of you. On Halloween night, there are bound to be a lot of kids walking across streets and some of them may have on costumes that are not as easy to see when it’s dark. Afford yourself some extra time to get where you need to go. Drive slowly and turn your headlights on.

Avoid the tricks – Don’t participate in any illegal activity i.e. trespassing or vandalism. Make sure your Halloween night stays fun and that everyone gets home safely.

Host your own party – If you have children, consider giving them and their friends a safe place to have a party so they can socialize and hang out.

Brighten up your costume – Visibility is one of the most important factors when it comes to Halloween safety. If your costume has bright colors, drivers will have a better chance of seeing you, so you don’t get hit!

Stay in a group – Remind your children that it can be extremely dangerous to be out and about after dark by themselves. It’s best to stay in a group and to never wander off away from the group. Stick together!

 

 

Don’t panic

Realizing that your brakes have failed is a scary situation. Is it crucial to your safety and for the safety of those around you that you remain calm, so breathe and try to stay clear-headed.

Leave space, apply your brakes early, and give them another chance

To give yourself a chance to bring your vehicle to a complete stop safely, always remember to leave plenty of space between you and the vehicle in front of you. Slow down early for red lights, stop signs, and stopped traffic ahead of you. Pumping your brakes continuously will alert other drivers around you that you are attempting to stop your vehicle. When they see your brake lights illuminate, they will know something is wrong.

Carefully engage the emergency brake

Make sure you downshift and pump your brake pedal before applying your emergency brake. Pulling your emergency brake aggressively could cause you to lose control of your vehicle.

Downshift into a lower gear

You’ve hit your brakes, pumped your brakes, used your emergency brake, to no avail. The next step you’ll want to take is downshifting to your lowest gear possible as quickly as possible. Your lower gears should help slow the car down. While it may not be enough to bring the car to a complete stop, if you’re on a road that isn’t too busy, you should be afforded enough time and space to steer in a safe direction until your car comes to a complete stop.

Safely get off the road

After you’ve slowed down, it’s important that you get your car off the road as quickly as possible to avoid getting hit. Always remember to use your turn signals and hazard lights to alert other cars around you of your manuevers.

Don’t turn your car off until you’ve stopped

Turning your car off prematurely could result in power steering failure. This makes your car more difficult to turn.

Signal for help

Turning your hazard lights on or igniting flares are an effective way to signal to other drivers that you are in need of assistance.

Turn your hazard lights on so that other drivers are alerted that you are in need of assistance. If you must get out of your vehicle, make sure you do so in a safe area in order to avoid oncoming traffic.

Get your brakes inspected by a professional

Take your car to repair shop to get it inspected. A professional can tell you whether or not you need repairs.

 

It is never okay to drive while under the influence of drugs or alcohol. According to the NHTSA, drunk driving accidents account for 10,000 lives lost every year and contribute to one-third of all traffic-related deaths. There has never been a legitimate excuse to drive while drunk. And that statement has never been more true than today when we can gain access to a designated driver as easily as opening a phone app. Here are three ways to ensure your own safety as well as the safety of others whenever you are intoxicated.

Call an Uber or Lyft

If you’ve ever been out to a bar or dinner with your friends, you are probably familiar with the situation of having more than one glass of wine or a cocktail. You may even say having a drink or two is bound to happen. If you or your friends plan to drink alcohol, the best way to be safe is to have a plan set ahead of time. Open your Uber or Lyft app on your smart phone and get a ride home safely.

Hail a cab

If you live in a city or an area where cabs frequent, they are a smart alternative to getting behind the wheel while you are drunk.

Ask a friend or family member

Having a trusted friend whom you can call whenever you need them, especially during an emergency, is a fortunate thing. Show thanks to them by supplying them with a gas card or lunch!

If you’re ever hosting a party where alcohol is being consumed, most states will hold you responsible for your guests’ actions behind the wheel. In those particular states, anyone injured by a drunk driver has the right to sue the host of the party who supplied the alcohol. In some cases, criminal charges may even apply. Being familiar with your host liquor liability is really important. Also, make sure that your guests always have a safe way to get home.

1. Garlic

Garlic is packed with lots of natural oil, so it burns rather quickly when placed in a hot pan, causing the oil to splatter into the burner. To prevent this from happening, always set your burner to low when sauteing garlic. Keep your eyes on it and don’t let it burn!

2. Bacon

Because bacon has a high fat content, it releases lots of grease while cooking. When the bacon burns, this causes the oil to splash out of the pan. To prevent this from happening, make sure the pan you are using is deep enough to contain the grease. Additionally, if you are cooking multiple batches of bacon, be sure to rid the pan of the leftover grease and start over.

3. Deep-Fried Stuffed Peppers

When stuffed peppers are submerged in oil, air flow is constricted. The pressure from this can cause the peppers to explode. If you have open burners close to the pot of peppers, the oil may shoot over the open flame, causing a massive flame that could spread if you are not careful.

4. Flour

Goods such as flour, non-dairy creamer, and powdered sugar consist of fine particles that burn if they are added to an empty pan. To stay safe, only add powdered ingredients to a hot pan if another ingredient is already in it i.e. butter or oil.

5. Alcohol-Based Sauces

It is not uncommon for sauces that contain alcohol such as wine or vodka to cause bigger flames in your pan or your stove. Keep your bottles that contain the alcohol a safe distance away from your stove.

Following these guidelines may help you prevent a disaster in your kitchen!

Stay close to the food: Diverting your attention away from your stove can spell catastrophe if you’re not careful. If you leave your kitchen, be sure to turn your stove off first.

Don’t let the grease escape: When you are cooking meat, make sure that the pan you are using is deep enough to hold all of the fats from the meats. Grease can potentially spill over and set fire.

Keep your kitchen clean: Leftover grease or oils in your ovens or on stovetops can potentially ignite. Always be sure to keep your stove and your oven clean.

f you ever get into a car accident, hopefully, the damages to your vehicle are not too severe. And, hopefully, no one suffers any injuries. If you are ever involved in an accident where your car suffers considerable damage, your insurance company may deem it what is called a total loss. This means that the cost to fully repair your car back to its original state before the accident would cost more than the car’s market value.

What does it mean when your car is deemed a “total loss”?

If your car is deemed a total loss, that means that it is not repairable or that the costs to repair it are more than what it is worth. There are a number of factors that go into considering whether or not a car is a “total loss”. If your car is older and has more miles on it, its market value will be less.

What type of insurance coverage covers a totaled car?

There are two types of insurance coverage that will pay out your car’s Actual Cash Value (ACV if it is totaled.

Comprehensive Coverage: This type of car insurance coverage covers damage or a total loss caused by something other than a collision with another vehicle i.e. fire, fallen trees, etc.

Collision Coverage: Covers damage or total loss caused by an accident with another vehicle.

What if you have a lien on your car?

If your car is totaled before you finish paying off the lien, the insurance company will pay the lien first and then send you what is left over (if there is anything). If you owe more for your vehicle than its actual cash value, it will be your responsibility to pay the difference unless you have gap insurance.

What should you do if you think your car has been totaled?

Once you file a claim, an insurance adjuster will assess the amount of damage or review your repair shop estimate. Once the market value of your car is determined, one of two things may happen. You will either be offered a payout to repair the car or be notified that your car is indeed a total loss. Once you accept that your car is a total loss, you must sign your vehicle over to the insurance company.

If you have any questions related to your insurance, please do not hesitate to call us at (301) 948-2010. We’re here for you!

Inflation: The Consumer Price Index (CPI) rose more than 7% compared to 2020 – the largest increase in nearly 40 years. This means, on average, we are all spending 7% more on goods and services than we were a year ago.

Vehicle Parts: When it comes to the cost of parts for vehicles, those prices have increased by closer to 10%. (Historically, an increase of 2% to 3% from year to year is more typical)

Repair Costs: Recent supply chain issues such as the car chip shortage as well as labor market pressures have caused repair costs to increase significantly, by as much as 20% since 2020. Due to the limited supply of repair parts and a decrease in available workers, repairs to vehicles are taking longer to complete. As a result of this, customers are using rental cars for longer periods of time, thus increasing the cost of insurance claims.

Vehicle Prices: According to auto industry analysts, the cost of used vehicles climbed more than 27% in 2021 while new vehicles are costing 14% more than they did before 2021.

Driving again (and faster): What could be the reason for drivers driving faster? According to a national survey, 1 in 10 drivers admitted to driving at least 20 miles over the speed limit, sometimes even faster than that.

Accidents: As one could probably guess, driving your car at a higher rate of speed opens the door to a more severe collision. The National Highway Traffic Safety Administration has reported a 12% increase in deadly crashes, the largest such increase since reporting began in 1975.

How to Save Money on Your Auto Insurance

Ask us about pay plan discounts: You can save up to 7% on your auto insurance, depending on which plan you choose.

Get the ERIE Rate Lock feature: ERIE Rate Lock allows you to pay the same premium year after year, even if you file a claim. Your rates will only change if you add more remove a driver to your policy, or if you change addresses.

Consider increasing your deductible: Carrying a higher deductible will lower your auto insurance premium.

Take a look at your mileage: Are you working from home a lot more and driving less than before the COVID-19 pandemic? Based on your annual miles driven, you may be eligible for lower rates.

Bundle your coverage: If you have multiple policies with ERIE Insurance, you can earn a multi-policy discount when you combine your auto, home, or life insurance policies.

“Act of God” is a common term in the insurance world. However, it may not be clear to you what it means. When you own a car, a business, or a home, it is natural for you to take certain steps to protect your assets. Understanding the term “Act of God” can help you better protect yourself with the proper insurance coverage.

What does “Act of God” mean?

An event that is considered unpreventable is considered to be an act of God.

What types of events qualify as an act of God?

Windstorms, lightning strikes, hail storms, wildfires, hurricanes, tornadoes, floods, and earthquakes. It is important to note that not all acts of God may be covered in a typical insurance policy. Call us to speak with one of our insurance professionals if you have questions about this.

Does auto insurance cover acts of God?

Your auto insurance policy will cover acts of God if you obtain what is known as comprehensive coverage. This coverage includes protection against natural disasters and other types of damage not caused by a collision. For instance, if your car is vandalized or an animal runs out in front of you, comprehensive coverage would help you cover the costs to repair your vehicle or cover you for a total loss.

What about home insurance?

A typical homeowners insurance policy usually covers some acts of God. Two exceptions to this are flooding and earthquakes. If you live in a flood zone area or one that is prone to earthquakes, you will want to obtain flood insurance for floods or a separate coverage for natural disasters.

Is an act of God the same thing as force majeure?

While these two terms are similar, force majeure is more commonly used in business and construction contracts. It refers to circumstances deemed unforeseeable that would prevent a contract from being fulfilled.

If you have any questions about acts of God, call us at (301) 948-2010. We will be happy to help you!

Imagine. You wake up in the morning on a beautiful, sunny, summer day. There isn’t a single cloud in the sky. You’ve woken up early enough to be able to enjoy your morning at a calm, relaxing pace. You walk downstairs to your kitchen, get yourself a hot cup of freshly brewed coffee, and you sit down at your kitchen table to enjoy your delicious breakfast. Everything is going great! You’ve got a crisp dress shirt on and freshly pressed dress pants. You’re feeling especially confident this morning because you’ve just sprayed yourself with your newly purchased cologne that you got over the weekend.

And then, you walk out to your car, turn the key in the ignition, and…it won’t start! Let’s take a look at how something so awful could happen to you.

Dead Car Battery: This is the most common reason for why a car will not start. A battery tester can help you determine whether or not your battery is weak. If you determine that you have a dead or weak battery, consider jump starting your car with jumper cables. After doing this, give your car some time to run, so that your alternator can recharge the battery.

Battery corrosion: Having clean battery posts is essential if you want your car to start and run properly. If you’re not sure how to clean battery, seek a professional’s guidance.

Bad starter motor: When you turn the key in the ignition, if you hear a single clicking sound, this could mean there’s a problem with the electrical connection. Starters typically need to be replaced between every 30,000 and 200,000 miles.

Clogged fuel filter: A fuel filter’s main purpose is to keep debris from getting into your car’s fuel system. When the filter is clogged, it’s possible that not enough fuel can reach your engine. A general rule of thumb is to replace your fuel filter every two years or every 30,000 miles (whichever comes first).

Failed fuel pump: A failed fuel pump needs to be fixed by a professional.

Bad timing belt: The purpose of a timing belt is to ensure the engine’s valves open and close at the proper interval so that the values and pistons never touch. A failed timing belt can be extremely dangerous because it can lead to a failed engine. Generally, timing belts need to be replaced every 60,000 miles or every 5 years, whichever comes first.

Bad ignition coil: The ignition coil transforms a battery’s voltage into an electric spark. A damaged ignition coil means there isn’t enough juice to do that. In order to test the strength of the current running through the coil, you’ll need a multimeter—a tool designed to measure electrical current, voltage, and resistance.

Always remember, if you encounter a problem with your car that you’re not confident or comfortable fixing yourself, it’s always best to hire a professional to do that job for you.

When it comes to the subject of life insurance, a lot of people become uncomfortable when asked

Thinking about one’s mortality is an understandably uncomfortable subject matter. However, when it comes to protecting those whom you care about most after you’re gone, don’t you want to be able to say that you did everything you could to protect them financially? Purchasing a life insurance policy is a wonderful way to do just that.

So, how much life insurance do you need? It is recommended that you take your annual income and multiply that number 10 to 15 times as a starting point. However, how much coverage you purchase should ultimately factor in any anticipated financial obligations including debts, children, or aging parents.

There are number of factors that are considered when quoting someone for a life insurance policy.

Age

Typically speaking, the younger you are, the less expensive a life insurance policy is going to be. This is because when you are younger, you are, generally, in better health. Insurance companies consider you less of a risk to them.  The cost of life insurance policies increase between 4.5% and 9 % each year to put off purchasing coverage.

Zip Code

Depending on the state in which you live, some policies may or may not be available to you. Each state may have its own individual regulations that could affect what kind of life insurance policy you can get.

Term Length

When considering how much life insurance coverage to purchase, consider how much your greatest financial obligations cost i.e. your mortgage. Make sure you purchase enough coverage that will cover these obligations in the event of your sudden death, so that your family is not left with an insurmountable burden.

Policy Coverage Amount

The larger the death benefit, the higher your insurance premiums will be.

Before your premium is calculated, you will be asked for have a medical examination administered for yourself. The exam results will help determine your insurance premium.

How to Determine How Much Coverage to Purchase

Add up your assets

Add up your debts and financial obligations

Subtract your assets from your debts and financial obligations

Decide your policy’s term length

Call us at (301) 948-2010! One of our experienced life insurance professionals will be happy to assist you in going over any and all questions you may have about different coverages.

 

 

 

 

There are many who dream of one day owning a swimming pool. With owning a swimming pool comes certain responsibilities, that, if ignored, can lead to serious injury or even death. In order to minimize the risks, make sure you follow these helpful tips so that you and your family remain safe at the pool.

• Install a fence that is at least 4 feet tall and make sure you have a gate that locks surrounding the pool area.
• When you’re not actively using the pool, make sure that ladders and pool equipment are removed from the area and properly stored. Items such as toys and flotation devices should be out of reach of small children. If children want to use these items, be sure to supervise them while doing so. Also, place a solid covering over the pool to prevent stumbles and falls into the pool. This is especially important to protect those who may not be the best swimmers or who may need help. Additionally, coverings will help keep debris out of the water.
• A responsible adult should be supervising young children around the pool at all times.
• Inexperienced swimmers should consider wearing a life vest.
• Invest in pool safety equipment i.e. a life hook, life rings, and safety rope. Post safety rules and make sure to enforce these rules with your family members and any guests you may have.
• Consider installing a motion-activated alarm, so that you can be alerted when someone opens the gate and enters the water while you’re not around.
• If you have young children, consider installing a back door alarm that can alert you if one of them slips outside.
• Limit the use of alcohol when using the pool. Consumption of alcohol can affect balance, coordination, and judgment.

Enjoy the warm weather and remember to follow these safety tips with your family and friends.

 

A lot of people turn themselves away from the prospect of owning an electric vehicle. Reasons for this may be the cost or overall reliability of the car. While these concerns are valid, research suggests that buying a vehicle strictly based upon pricing may not be the wisest approach.

Since the majority of drivers finance their vehicles, consider approaching cost not by the sticker price, but how much it will cost you per month for your car.

When you look at purchasing a vehicle from the standpoint of factoring in fuel savings, maintenance costs, and state incentives for electric vehicle purchases, buying an electric vehicle may start to look a lot more economical than purchasing a gas car.

Researchers studied six electric models: the Hyundai Kona Electric SEL, the Kona Electric Limited, the Ford F-150 Lightning Pro, the Kia Niro EV EX Premium, the Volvo XC40 Recharge Plus, and the Nissan Leaf. Each model was compared against an equivalent combustion-engine vehicle from the same brand.

The firm determined the monthly cost to own each vehicle over its financing term, including loan payments, maintenance, gas/electricity costs, insurance, and other taxes and fees. Researchers modeled costs across all 50 states, accounting for a federal $7,500 tax break for clean-vehicle purchases, state-specific programs, and energy costs in different states.

The Kona Electric SEL and F-150 Lightning Pro were cheaper to own per month in every state despite carrying a $10,000 premium over their gas counterparts. Annual savings for those vehicles added up to $800 and $1,400, respectively. Three other models — the XC40 Recharge, Leaf, and Kona Electric Premium — had cheaper monthly costs in about half the country. Where they were more expensive, it was often by $15 or less, the report said.

Once a loan for an electric vehicle is paid off, the overall costs for the consumer drop significantly since he or she does not need to factor in the cost of gasoline. According to the report, costs can range between a savings of $1,500-$3,000 per year compared to a gas-powered car.

 

Test the AC

When you begin to face those blazing-hot summer temperatures, you’ll probably want to turn on your air-conditioning system. Make sure it’s working properly before temperatures start to rise. It’s not fun driving in a car in the middle of the summer without air-conditioning!

Check the air pressure in your tires

Winter weather can take a serious toll on the well-being of your tires, causing significant wear and tear and overall damage. When inspecting your tires, look closely to see if they are under-inflated or over-inflated. Both scenarios can be problematic. Most passenger vehicles recommend a tire pressure between 30 and 35 psi (pounds per square inch). Your car’s owner’s manual will detail specifics about what is appropriate and necessary for your particular vehicle.

Change vehicle fluids

Some vehicle fluids can either thin or evaporate in warm temperatures. Make sure you are topping off your transmission fluid, power steering fluid, coolant, and windshield wiper fluid, so you’re ready and able to take on the summer heat.

Coolant is especially important in the summer, so that your engine doesn’t overheat. Having your engine overheat can lead to more serious problems and, if not addressed, can lead you to a costly insurance claim.

Change your oil & filter

If you want to ensure your vehicle’s longevity, one of the best ways of doing so is by changing the oil regularly. Fresh oil will keep your car safe from wear and tear. An oil filter can ensure you that any contaminants are removed from your car’s engine oil.

Test your brakes

Driving along and having your brakes fail can lead to serious consequences including bodily injuries and even death. Make sure you are testing your brakes regularly.

Squealing, growling, or grinding sounds are never a good sign. That means it’s time to get your brakes changed. If your vehicle is pulling you to one side or the other, this is another sign that you need to change your brakes. Make sure to take your car in for inspection and possible repair.

Replace your windshield wipers

Visibility is definitely one of the most important parts of driving a car. During summer months, dust and pollen tend to build up on windshields. Use your windshield wiper fluid to clean this off. Check or replace your windshield wipers every season.

Clean or replace your air filters

Air filters keep pollutants from coming in through vents. This is extremely crucial during warm months where pollen counts are at their highest. Old filters can lead to problems with your air conditioning system.

A general rule of thumb is to change your air filter at least once a year.

Get your car detailed

Not only will you feel better emotionally, but driving a clean car can actually save you from potential costly repairs to your car. That’s right. Hot temperatures have the ability to melt plastics. Additionally, food that’s left inside your car for extended periods of time could damage its interior – not to mention the foul smell.

Keeping your car’s exterior clean can help preserve the paintjob, protecting it from harmful sun rays or damages caused by birds or insects.

Rotate your tires

Your car’s tires are not all going to experience the same kind of wear and tear at the same time. Experts recommend that you rotate your tires between every 3,000 to 5,000 miles.

 

Move a safe distance away from the crash site, but do not leave the scene.

Witnessing a car accident can be quite startling. It’s important to remain calm if are a witness in a collision. Do not panic and make sure to leave enough room for emergency vehicles to get to the places they need to be. Every second counts in serious accidents involving injuries to other parties. Do not forget to turn your flashers on, so that other vehicles that approach you or drive past you are able to see you clearly. Before exiting your vehicle, look around you to make sure the surrounding area is clear.

Help secure the scene.

While you do want to make sure that everyone involved in the accident is okay, it is important to not tamper with the evidence at the scene that will help paint a clear picture of the events at the scene and what actually happened. Police and emergency services will want these answers, as well as a clear, safe path to any injured parties to provide them with the attention and care they need. Do not let anyone leave the scene of the accident. It is important to remember that tempers may be high depending on the nature of events that occurred, so always protect yourself first.

Call the police.

When you dial 911, be ready to describe the nature of the emergency to the police and provide the location. It will be important to be able to describe the scene as well. The more informative information you can provide to emergency services, the better prepared they will be to provide proper care to any injured parties.

Check on the victims.

Ask the victims if they are hurt or are in need of any assistance. Offer you phone to them, so they can call family members or friends. Finally, consider setting up road flares around the scene in order to give the scene some security. Drivers of other vehicles will see the flares and know not to approach the scene.

Take photos of the damage to the vehicles involved in the accident

Taking photos of damage at the scene can assist others in legal disputes that may arise as a result of the accident. The victim of the crash may want to use any photos that may help them in providing proof in court that they were not at fault. These photos may also be of helpful to insurance adjusters in assessing whether or not the vehicles involved are salvageable or if they are total losses.

Give a statement and offer your contact information

If police and/or emergency services are called to the scene, you may be asked to describe what happened that caused the accident. Be as thorough as possible. Offer the best way to contact you to the police should they need to get any additional information regarding the accident from you in the future.

When searching for a home, what comes at the top of your list of priorities? Perhaps getting the opportunity to immerse yourself in the splendor of nature, enjoying the views of the countryside as you sip on your morning tea. Or maybe you are looking for a home with an open kitchen concept, affording you the opportunity to host large family gatherings. If you have children, maybe finding a home in a fantastic school district is what is most important to you. Here’s a list of elements that will be undoubtedly important and necessary to consider when purchasing your next home.

The Right School

This isn’t something that you should ignore, even if you don’t have kids. The school district in which you make your home can have a profound influence on your home’s value. So, when it comes time to sell, living in a home in a good school district may help you in your quest to get the most out of selling your home.

If you do have children or are planning to start a family, looking into the potential schools your child may attend will definitely be something you want to think about. As always, if you decide that these schools are not up to your standards, you can always consider a private or charter school nearby.

Culture and Visual Appeal

Before buying a home, take a look around the neighborhood to see if it is up to your liking. Are lawns tidy or unkempt? Are there bars on windows? Are the homes properly maintained? The visual appeal of a neighborhood can reveal a lot about the kind of people that live there are if you will be satisfied, comfortable, and happy living there. What about the culture? Does it mesh well with your lifestyle? These are all important factors to consider, so take your time.

Crime Rate

Of course you shouldn’t drive around a neighborhood looking for criminal activity. To safely check on crime rates in a particular neighborhood, visit crimereports.com for a map of offenses as well as what is trending regarding criminal activity. Additionally, by visiting familywatchdog.us, you can access a map that notes nearby sex offenders.

Convenience

What kind of home best suits your particular lifestyle? Do you prefer being within walking distance of local coffee shops or clothing stores? Do you prefer to have a short commute to work every morning? Do you enjoy going to sporting events? Maybe living close to a metro station is something you want to seriously consider. Whatever you situation may be, take some time to think about what kind of daily life you want to live and think about whether or not a particular home will best give you that opportunity.

 

Anticipating possible change and preparing for it is the best way to be ready for the unexpected. While COVID-19 certainly uprooted the lives of many people all over the world, business owners were forced make some changes to their daily operations to ensure the overall health and survival of their business. And, while employees of these businesses were able to keep their jobs, they were forced to make changes to their daily lives as well.

By taking the proper preparation steps, your car may be able to survive extended periods of time sitting in your garage with no issues whatsoever. Here’s what you need to know to get your car ready for that long-term storage period.

If you prepare your vehicle for storage properly, it will not be damaged. Negative effects of time on a car that remains undriven can appear sooner than you might think.

Fuel: Did you know that fuel can go bad? When exposed to oxygen, fuel can degrade. To combat this, keep your fuel stored in an airtight container. When this is not done, it takes between three to six months for fuel to go bad. When gasoline goes bad, you may be looking at costly repairs to your vehicle’s fuel system.

Battery: A typical car battery lasts between three and five years. It’s important to drive your car regularly because, as you drive, your car’s alternator continually recharges the battery in order to replenish the power being used. A car that has been sitting for a long time without being driven has no way to charge its battery, therefore leading to its demise.

Rust: Damp conditions will oftentimes lead to rusted metal. Therefore, it’s important to store your vehicle in a dry environment to prevent its parts from rusting. When roads are salted in the winter, cars are more susceptible to being rusted. If not properly addressed, rust can certainly worsen over time.

Tires: Your tires may begin to develop flat spots if left stored for a month or more without being driven. It can get worse if the tires have low tire pressure. If you’re lucky, your tires may lose these flat spots after having been driven on for a while. If not, you may be forced to purchase a whole new set of tires. That can be expensive.

Belts and hoses: It’s important to regularly inspect your belts and hoses. When a vehicle is in storage, the belts and hoses of the car may need to be replaced in as little as three to five years.

Pests: Mice and other rodents can do serious damage to your vehicle, chewing on wires and insulation.

How Do I Prepare My Vehicle For Storage?

Add fuel stabilizer: Adding a chemical fuel stabilizer can help prevent your gasoline from degrading.

Charge your battery: Depending on whether your battery is completely dead or just needs to be slightly charged, you’ll need the appropriate charger to perform this task. Make sure to purchase a battery maintainer or “trickle” charger. These particular chargers are specifically designed to be left plugged in and connected to your car while it’s parked.

Wash your car: Keeping your car in pristine order can help prevent it from rusting and suffering paint damage.

Keep it covered: Unless you have a garage, it may be a good idea to get a car cover to keep dirt and moisture away from your vehicle. Try not to park your car on grass. The excess moisture can accelerate rusting.

Add fresh fluids: Used engine oil, brake fluid, and power steering fluid can trap contaminants that can potentially damage your car over time. Adding fresh fluids to your car can help prevent further damage.

 

You’ve spent years paying your off your car and the day has finally come when you can officially say you own the car! This is a great milestone that you can take a lot of pride in!

Now is the perfect opportunity to re-evaluate your auto insurance. You may be asking yourself a few questions related to your auto insurance.

• Are there any optional coverages I currently have that I could potentially remove from my policy now that I own the car?
• What insurance coverages should remain on my policy?
• Is there anything I can do to reduce my auto insurance premium?

While paying off your car is a remarkable achievement, quickly moving to remove coverages from your auto insurance is not something that we necessarily recommend. After all, if you do not have enough insurance coverage, you may be stuck with the remaining balance of the bill in the event of an auto accident. Your policy will only cover the limits that are listed on your declarations page (the first page of your policy).

Before removing any insurance from your current policy, we recommend you review your policy with one of our experienced agents who can answer any and all questions you may have related to your auto insurance coverage. One question you may want to ask is, “What are my state’s legal limits for auto insurance?” The last thing you want to have happen is be deemed responsible for an auto accident that is serious enough where it exhausts all of your limits and requires even more money to cover things like medical expenses for injured parties. That money would need to come out of your own pocket. To avoid this, make sure you have the proper insurance coverages listed on your policy so that you will be covered in the event of a catastrophic accident.

Whenever you have an auto accident, before your insurance kicks in, you will first be required to pay your insurance deductible.

There are two types of coverage when it comes to auto insurance: comprehensive and collision. While both of these coverages are not required by law, if you are financing or leasing your vehicle, your lender may require you to carry these coverages on your auto insurance policy. When determining the right course of action for you, consider these questions:

• How much money do you have on hand?
• How much is your car worth?
• How much does full coverage for your vehicle cost?

 

 

Comprehensive coverage refers to any damage caused to your vehicle by anything other than a collision. This includes the following:

 

• Fire and explosions
• Vandalism
• Damage related to theft i.e. if someone breaks into your car
• Wind, hail, tornadoes, floods, earthquakes, & hurricanes
• Falling objects i.e. tree limbs
• Cracks in your windshield
• Damage caused by hitting a deer

It’s important to remember to call us once your car is fully paid off. We’ll need to remove the lienholder from your auto policy. If this step is not completed, in the event of an accident, your insurance carrier is obligated to issue a check to the name listed on the policy. When this information is inaccurate, expect a delay because we’ll need to stop the check and it will take some time to issue another one.

When was the last time you reviewed your insurance policies? Circumstances in life change all the time. And although we may not be able to know what the future holds for us with absolute certainty, we can make smart decisions that will put us in the best possible position financially. Here are five reasons why you should review your insurance policies at least once a year.

1. Manage Your Personal Life Changes

Getting married

Getting divorced

Your child is leaving home

Starting a new job

Starting a new business

Starting a family

Having your elderly parents move into your home with you

Purchase or receive an expensive gift

Death in your immediate family

Paying off your mortgage

2. Ensure Appropriate Coverage

As changes in your life occur, so too should your insurance coverage. Review your insurance policies at least once a year, so that if you have gaps in certain areas of your coverage, those areas can be addressed by one of our insurance professionals. We can help you add any supplemental insurance coverages or additional policies.

Sometimes, state laws can change. That means that minimum required insurance coverages can change. To make sure you always have enough coverage, call us so we can keep you in the clear and give you the peace of mind you deserve.

3. You Buy Or Sell Property Or Possessions

Let’s say you just sold your home and are either downsizing or renting. Naturally, the won’t need as much insurance coverage as you had previously. The same thing goes for when you sell a valuable possession like a piece of jewelry or maybe a valuable piece of art.

4. Remodeling Your Home Or Adding On

Whenever you make an addition to your home, naturally, that is going to increase the value of your home. Therefore, you should be ready to update your insurance coverage to make sure these new additions are properly covered.

5. Take Advantage Of Discounts

If you choose to bundle both your home and auto insurance, you may be eligible for discounts. There are a number of different ways to save money on your insurance. Everything from adding a newer vehicle with more advanced safety features, to providing proof that you are driving much less nowadays, we may be able to help you save considerable amounts on your policies.

 

The same conveniences we enjoy as drivers in the United States have also resulted in some bad habits over time. When drivers commit these bad habits, they are putting both themselves and other drivers on the road at risk of harm. Here are the biggest mistakes drivers make when driving on the highway.

1. Driving slowly in the left lane.

Generally speaking, the far left lane is typically reserved for vehicles traveling at higher speeds. The unwritten rule here is that unless you are passing or moving faster than the flow of traffic, you should keep your vehicle to the right. Using the left lane when you are driving slowly or not keeping up with traffic may result in traffic buildups. When other drivers see this, they may feel encouraged to make more aggressive moves on the road.

2. Driving when you’re tired.

When we are tired, our ability to focus is greatly affected. Also, our reaction time may be compromised as well. These are dangerous realities that make our roads much more dangerous for ourselves and other drivers on the road. If you feel tired, pull over to the side of the road or take the nearest exit to a rest stop. Make sure you rest before continuing your journey.

3. Not taking breaks on long trips.

Have you ever been driving along for long stretches at a time with nothing but the open road in front of you? During these moments, we may feel more compelled to speed. After all, there aren’t any police around. Why shouldn’t we do everything we can to get to our destination faster? The answer is simple. We could lost control of our vehicle. It is also possible to feel fatigue when we have nothing around us to stimulate our minds. Unfortunately, long stretches of road have the ability to have that effect on us. If you know you are about to embark on a long journey, plan rest points ahead of time. Doing so will keep both yourself and other drivers safe.

4. Staying in a truck’s blind spot

Commercial trucks are big vehicles. Because of this, they tend to have large blind spots too. The general rule of thumb is if you cannot see the driver in his side mirror, he can’t see you either. Be cautious when driving near these big commercial vehicles.

5. Speeding

We are all aware of the fact that there are speed limits on roads and highways. They are there for a reason. Exceeding these speeds limits can put you and other drivers in a dangerous situation. Also, nobody likes paying speeding tickets.

6. Relying only on technology and safety systems

Your best defense against getting into a serious accident is you. While cars have become more advanced with technology over the years, you should not solely rely on your car’s technology systems like automatic emergency braking or your blind spot indicator lights to keep you safe. Use your eyes and stay focused behind the wheel. You and your ability to focus are your best defenses against a serious auto accident.

7. Not using your turn signals.

When you use your turn signal, you are alerting other cars around you of your plans to move to different lanes. These turn signal lights are meant to prevent accidents and keep everyone safe.

8. Keeping your brights on.

 

When driving at night, it makes sense that you would want to use your high-beam lights. After all, they afford you up to 300 more feet to your visibility. However, it is important to remember that as you are going in one direction, other cars are likely coming towards you in the opposite direction. And, these high-beam lights can seriously impair the oncoming driver’s vision, possibly resulting in an accident. It’s okay to use your bright lights, but turn them off once you see a car coming in your direction.

 

9. Not yielding to oncoming traffic.

You won’t see traffic lights or intersections while you’re driving on the highway. However, you will see cars attempting to merge onto the highway. Oftentimes, these cars are traveling at considerable speeds. It’s important to give them enough time and room to merge safely. Adjust your speed or move over to another lane to make room for these merging vehicles. Doing so may prevent an accident from occurring.

10. Not using your mirrors.

Your side mirrors are meant to give you the ability to see cars next to you and behind you. Always check your mirrors before attempting to switch lanes. And remember, always use your turn signal before making your move.

 

As the cost of living continues to climb, many homeowners have reconsidered the idea of moving. Instead, homeowners are choosing to stay put and to make improvements on their current homes. Add a shortage of inventory and low mortgage rates to the equation and it begins to make sense why homeowners are not actively searching for a new place to call home.

When it comes to home improvements, a finished basement can prove to be a wise decision. Any wasted space can quickly become a play area for your children, an entertainment room, or a weight room for yourself and your family members. When placing a home on the market for sale, a finished basement has the potential to catch far more eyes of potential buyers than a home without a finished basement. Additionally, you can justify bumping up the selling price when you have a finished basement. Your home will undoubtedly show more effectively at an open house. Real Estate agents will thank you later!

It is important to note that, if you do not take the necessary proactive measures before taking this smart step in finishing your basement, you could be faced with a damp, musty mess on your hands that will cost you more of your time, money, and sanity.

1. Protect against moisture.

When moisture is able to accumulate in a fixed space, that leaves the possibility of a number of negative outcomes including: mold, mildew, and musty odors. In addition, floors can become ruined, and drywall and framing materials can be destroyed.

Signs of moisture build up include but are not limited to: condensation on pipes, damp walls, and wet spots on your floors.

Cleaning out your gutters and caulking the cracks in your walls is a good way to prevent matters from getting worse and putting a potential costly home insurance claim on your hands. Other ways to secure your home may include adding French drains and a sump pump. If you think matters are beyond your control, consider calling in a professional to assess the situation.

 

2. Choose the right materials.

Adding insulation around the exterior walls of your basement is a surefire way to ensure your home is protected. Insulation will help regulate the temperature. Various forms of insulation that are appropriate for a basement include:

Sprayed foam

Bubble foil

Foam board

Fiberglass

 

When you build your home, it is important to choose materials that are strong enough to withstand the wrath of water. For your walls, consider shing moisture-resistant drywall. As far as your floors are concerned, consider using luxury vinyl planks and tiles. If you choose to go the carpet route, remember to install a vapor barrier like dimpled polyethylene in order to prevent water damage.

 

 

3. Plan for access to essential systems.

When you are finishing your basement, it is important to keep in mind that your furnace, water heater, electric panel and wiring, and water pipes and sewer lines are easily accessible. If you ignore this, you may be forced to cut through drywall in order to make a necessary repair, which will certainly cost you more. In order to make these areas accessible, do the following:

• Install a drop ceiling for easy access to overhead pipes and wires
• Add access doors or panels for areas that are hard to reach.
• Plenty of unfinished space should be left around your HVAC system, your water heater, and around your appliances.

 

4. Consider the ceiling height.

 

According to the International Residential Code (IRC), a basement living space should have clear floor-to-ceiling height of at least 7 feet. Recessed light fixtures can help you save headroom.

 

5. Add baseboard heating.

Basements can become frigidly cold in the winter. Since space heaters can pose a threat to your home’s well-being due to the risk of a fire, consider installing electrical baseboard heating instead. Because hot air rises, baseboard heat can help keep your living space warm.

6. Don’t forget about lighting.

Windows can add more natural light into your home. Before you begin installing lights, add windows anywhere you can. Nobody enjoys being in a dark basement. We’ve all seen Home Alone, haven’t we?

 

 

7. Add essential safety features.

Add handrails along your stairways. Install smoke and carbon monoxide detectors. Be sure to have your home professionally inspected for radon. A professional can better assess the radon levels inside your home to make sure everything is safe.

If you are planning to add a spare bedroom to your basement, make sure you have an emergency exit nearby.

 

8. Know the code.

 

Consult your local building department before starting any renovation or building project for your basement. There are always guidelines that need to be followed and you wouldn’t want to be in a position where something you’ve completed goes against the departments legal guidelines.

 

9. Call us!

As you have probably already imagined, any kind of renovation or addition, especially a finished basement, is going to add significant value to your home. As such, you will want to call us to make sure these new additions to your home are properly added to your home insurance policy. We will help make sure that, in the event of a total loss, your home is restored back to its original state.

 

How Do I Protect Myself During Periods of High Winds?

Get yourself indoors

Your safety is what’s most important during a storm. A home and a car can always be repaired or replaced. You can’t be. As tempting as it may be to be close to the storm for a good viewing, elect to at least stay a safe distance away from any windows if you want to watch the storm.

Take shelter

If for any reason you are unable to get indoors, try to find a place that has cover like a parking garage or overhang. Do not stand next to roadways.

Pull over

If you’re in the unfortunate situation of driving during a storm, slow down and keep both of your hands firmly on the steering wheel to maintain control. If possible, create more space between your car and cars around you. For example, if you’re in the middle lane and there is a car to your left in the left lane, move your car over to the right lane. As always, check your rearview and side mirrors before changing lanes. If the rain is too heavy to the point where you feel unsafe to continue driving, pull over and turn on your hazard lights so that other cars on the road can see you. Park away from trees or other objects that could fall and hurt you or damage your vehicle.

How Do I Protect My Home From High Winds?

Trim your trees

Dead trees and loose branches can pose a serious threat to your home. Make sure you remove any dead trees and trim any loose branches because they can scratch or dent your car as well as damage the siding of your home. You also don’t want any broken windows. Better to be safe than sorry. Make sure trees and branches are also a safe distance away from any power lines.

Secure shutters and gutters

Frequently inspect your shutters, gutters, and siding of your home. Repair them before the storm hits.

Protect windows and doors

Storm shutters may prove to be a healthy, wise investment if you live in area that is prone to have a lot of storms and high winds.

Store outdoor furniture and other items

Pool furniture like tables and chairs should be properly stowed out of harms way. High winds have the ability to pick up furniture, pillows, and trash cans.

Have your roof professionally inspected

Consider hiring a professional to inspect your roof. Their skills in identifying problem areas will prove to be extremely helpful to you. They can advise you on what your next steps should be, whether it’s to replace to loose shingles or to have the entire roof replaced. They can also help you through the insurance claim process.

Call us!

Most homeowners are not thoroughly familiar with everything that is listed in their insurance policy. Much like some legal documents, insurance policies contain language that may seem confusing to some. Our experienced insurance professionals will be happy to answer any and all questions you may have related to your insurance needs. It’s important to remember that once a storm has been identified, it’s too late to add any additional coverage you might need to protect yourself from a storm. It’s better to already have that coverage in place on your policy. That way, you know you’re covered.

How Do I Protect My Vehicle During High Winds?

Find covered parking

Parking your car in a garage is the safest way for your protect your car during a storm. If you do not have a garage and are out and about during a storm, consider parking at a shopping mall to wait out the storm.

Use a car cover

If you do not have access to covered parking or a garage, use a car cover to protect your car from flying debris during a storm. Be sure to park away from trees.

Obtain comprehensive insurance coverage

There are two types of insurance when it comes to auto insurance: collision coverage and comprehensive coverage. Comprehensive coverage is anything other than a collision with another vehicle and is the only coverage that it optional for you to obtain. However, we do highly recommend it. During periods with high winds, flying debris can dent or scratch your car. The only way to cover this kind of damage is by having comprehensive coverage.

All of us have been affected by the COVID pandemic in one way or another. One industry in particular that has had something of a domino effect that has taken a toll on consumers is the automotive industry. As you pass car dealerships, you may see fewer cars on the lots. That’s only one obvious difference. Something a little more impactful is the effect on repair shops and aftermarket parts industries. These industries have been faced with parts and labor shortages, shipping delays, and an increase in wait times as well as rising repair costs. Naturally, this has frustrated both those working in these industries as well as the consumers who depend on them.

Services being most affected by supply shortages are ones involving electronics. Supplies needed to regulate temperature, onboard computers i.e. powertrain control modules, body control modules) and heated seats are some of the most difficult to find. Additionally, the supply of oil filters and brake rotors are taking a hit; before the pandemic, repair shops were in healthy supply of these items. The most common delay in parts that repair shops are facing are brake pads, brake rotors, batteries, filters, and some tires. As a consumer in need of immediate help, this can be quite frustrating. That is why it is a good idea to plan ahead.

If you’re looking to purchase a used car, it might to be a wise decision to delay that purchase, at least for now. This is especially true for those who do not have a car to trade in. For those who do have a car to trade in, the value of the car being traded in can be applied to the purchase of your newly obtained vehicle.

With the current state of the used car market, vehicle owners are actually more willing to hold on to their current cars due to the fact that the prices of used cars has skyrocketed. Repair costs have gone up because the cost for the replacements parts also went up.

To combat the changes in the repairs market, consumers should plan ahead and anticipate when maintenance or repairs will need to be made. To do this, put an amount of money aside every month strictly for this purpose. Schedule your maintenance appointments far in advance and mark them on a calendar, so that you can hold yourself accountable. Always pay attention to the road and cars around you while you are operating a motor vehicle. Do not text while driving.

Finally, if you are in need of repairs to your vehicle, it is suggested that you stick with the repair shop of which you are most familiar. Being a regular customer of a shop may give you a leg up in terms of service in both the amount of time it takes to make the repair and the overall level of customer service you receive.

Water Damage

It is a common misconception that most water damage to homes is caused by hurricanes and heavy rains. However, it is non-weather water damage that usually takes the bulk of home insurance claims. Problems related to plumbing, such as pipes bursting, and drains and valves malfunctioning, as well as appliance issues are considered non-weather.

Weather-Related Roof/Flashing Damage

Wind, hail, falling objects i.e. branches and limbs, heavy snow, and freezing rain can potentially cause catastrophic damage to your home. Taking preventative measures before storms occur is a good way to minimize any damage. Inspect your trees and trim and loose branches as they could spell a threat to your home’s siding or any cars you have parked outside. Remove ice dams in order to prevent costly home insurance claims during winter.

Frozen Pipe Damage

During winter, frozen pipes may be the one threat to your home that could spell doom for your wallet. Of course, it’s always important to have enough home insurance coverage, but what may be even more important is to take the necessary steps to prevent a disaster from occurring in the first place. In the winter time, consider leaving a slight drip in your faucets. The continuous flow of water can help prevent your pipes from freezing. Additionally, consider installing a smart thermostat that can notify you if the temperature outside reaches a frigid level.

Theft

Unfortunately, there are people out there who, if presented with opportunity, will steal from you. To minimize the threat of theft from your home, consider installing outdoor lighting and create the appearance of you being home if you’re actually not. Lights that are set to timers are a good way to create the illusion of presence when it actually isn’t so. Any steps you can take to deter thieves are smart moves on your part.

Fire

Fires can not only pose a threat to your home, but also your own personal safety. Cooking, overloaded circuits, or not using a wooden stove properly are among leading causes of home fires. If you start a fire in a fireplace, never leave it unattended. Before leaving a room, make sure that fire is put out.

Having a roof over our heads is something that all human beings long for and, quite honestly, need. When we buy a home, one of the most important steps we take before purchasing our new home is getting the home inspected. This way, before we sign on that dotted line, we can go back to the seller and discuss any and all repairs or replacements we would like to have addressed before the sale of the home is completed. Just as an inspection of the interior and exterior of the home is important, so too is a roof inspection. After all, a strong, well-constructed roof is what protects us from the elements of nature i.e. water, wind, falling objects, etc. The key to maintaining a healthy home is being proactive when it comes to maintenance and inspections. Avoid Costly Repairs By Getting a Professional Roof Inspection Having a professional conduct an inspection of your roof can help you avoid all sorts of expensive problems down the road. These problems are as expensive as they are time-consuming. A good inspector knows what to look for when it comes to problem areas of your roof and will happily address those concerns with you, so that you can fix the problem before it reaches catastrophic levels. Taking the time to find a reputable roof inspector will protect both your bank account as well as give you peace of mind knowing that your roof is in solid shape for years to come. Inspections Are Necessary At Least Once A Year While we cannot control the weather, we can make educated guesses as to what mother nature has in store for us, at least weekly. It is a good idea to pay attention to the weather forecast, so that you can be proactive in protecting your home and your car from potential damaging storms. A well-trained roof inspector has the knowledge and ability to pinpoint problem areas you need to address and how to address them. The idea here is to prevent catastrophic expenses out of your own pocket. While it is of paramount importance to have home insurance coverage, it is equally as important to make sure you roof is in good condition, so that the limits of your home insurance policy become exhausted due to a violent storm. Remember, your insurance policies are in place to protect you, but can only do so up to your policy’s limits. Any outstanding dollar amounts will have to come out of your own pocket. Legitimate Roofer Will Not Charge For a Roof Inspection You should never pay for a roof inspection. Professional roofers will provide an expert inspection as a part of their own services. Make Insurance Claims Easier Most homeowners do not spend the time to read every line of their insurance policies, nor do they understand some of the language within the policy. Professional roofers are available to conduct inspections and can help you prepare an insurance claim if a problem is seen. Peace of Mind Would you use a hand surgeon to perform brain surgery? We would hope not. Hiring someone who is equipped with expert knowledge of their craft will undoubtedly give you the peace of mind you deserve, knowing you and your home are safe from harsh winds, heavy rain and snow, and other elements.

It seems like everyone is dealing with rising gas prices. If you are interested improving your vehicle’s fuel efficiency, follow these five easy steps: Get rid of excess clutter Aside from the fact that driving a clean car can reduce stress, too much clutter in your vehicle can contribute to your car being weighed down. When this happens, your car’s fuel efficiency is negatively affected. As little as 100 pounds can cause your vehicle to not perform at its optimum level. To combat this, remove items such as backpacks, books, cargo boxes, bike racks, and roof racks. Limit Idling If you have a newer car, you might notice that it has built-in technology that allows it to gradually reduce its speed on its own. Some cars have capabilities that shut off the engine when the car comes to a complete stop. It restarts once the brake is released. Sitting idle in traffic actually uses up more fuel and gives off 80% more pollution than when your car is moving. The next time you come to a stop, or if you’re waiting for someone, consider shutting off your engine in order to save some fuel. Drive the speed limit More pressure applied to the gas pedal results in more gas being used. In other words, when you drive over the speed limit, your car’s fuel economy suffers immensely. And you’ll definitely have to make another visit to the gas pump sooner than you probably want to. So, whenever possible, use cruise control and certainly drive the speed limit if you want to improve your gas mileage. Check your tire pressure Underinflated tires can result in an increase of at least 3% when it comes to fuel consumption. Not to mention the fact that you are putting far more strain on your vehicle’s engine with underinflated tires. This is because it is taking more effort to drive the same speed as you would with tires with proper tire pressure. By making sure that your tires have the proper pressure, you are ensuring that they perform at their best and are protecting them from premature wear. Your vehicle’s owner’s manual can tell you the correct PSI for your tires. Perform regular maintenance Dirty air filters, spark plugs, and connections can all affect your car’s fuel economy. When you perform routine maintenance on your car, you are preserving the health and prolonging the life of your vehicle. Your vehicle will be far more efficient and will produce far less emissions. Make sure you are always replacing air filters, getting oil changes when necessary, and getting tire rotations when you need to. Your wallet will thank you for it. ReplyForward

When was the last time you looked through your cabinets in your kitchen at home? Did you know that many of the everyday household cleaning products you have may be dangerous? It’s important that you read the labels and, if you have small children, talk to them about the potential dangers of these cleaning products.

Being poisoned is not always immediately obvious. There are four primary ways in which people can be poisoned:

• When a poison is swallowed
• A poison is splashed in the eyes
• A poison comes in contact with the skin
• A poison is breathed in or inhaled.

Here are a number of different cleaning products you should look out for in your home as they may be harmful if ingested:

• Cleaning products containing various chemicals
• Prescription medications
• Vitamins and food supplements
• Beauty products i.e. perfumes, hairspray, nail polish remover
• Carbon monoxide gas from cars or heating devices such as a gas stove or furnace
• Lawn products i.e. pesticides, herbicides, insecticides and fertilizer
• Fluids used for your car i.e. antifreeze, windshield washer fluid or motor oil
• Alcohol or tobacco products

Of course you want to protect your children and those whom are most vulnerable in your household. In order to prevent an accident from occurring, follow these tips:

Keep chemical products and medications in their original containers.

If you are going to take medication, make sure the light is on in the room you’re taking it in. Always seal your containers after use.

Install carbon monoxide detectors in your home.

Keep your cleaning products far out of reach of children and always keep them locked up and out of sight.

You may keep products in different areas of your home.

Kitchen: Food poisoning may occur if your food is not stored at the proper temperature. If you have children, use child-proof locks on your cabinets, so that young children are not able to access cleaning chemicals. Since a lot of these chemicals are stored in the cabinets under the sink, it’s a good idea to have these locks on these cabinets. Small children could easily open them when you’re not looking.

Bedroom: Everyone wants to have peace of mind while they sleep. Carbon monoxide in an odorless, colorless gas that is undetectable without carbon monoxide alarms or detectors. Put these in your bedrooms, so that you will be notified if there is a problem. If you have pets, make sure that any plants you buy for your house are not toxic.

Garage: Never leave your car engine running with the garage door closed. Paints, antifreeze, oil, and gasoline should be placed and stored far out of reach of children.

Bathroom: Medications can prove deadly if not handled safely. Keep any medications locked away and far out of reach of children.

When you think of the word insurance, what words come to your mind; Protection, security, peace of mind. This is what every human being longs for throughout their life. People get insurance to protect themselves from experiencing financial hardship.

Umbrella insurance coverage is excess liability coverage, meaning additional coverage. If you have this kind of insurance policy, the limits on your umbrella policy will kick in once the limits on your auto, home, or watercraft insurance policies become exhausted. Umbrella policies come in handy when you are faced with an expensive situation.

• You cause a serious auto or boat accident
• Your dog bites someone
• You drive your car into a building
• You accidentally injure someone

Umbrella policies can cover you for situations where a home or auto policy cannot. For example, if you are ever sued for libel, slander, or defamation, an umbrella policy can help cover these costs.

Liability insurance only covers you for as much as is written in your policy. For example, let’s say you cause an auto accident where the driver of the other vehicle is seriously injured. Their injuries are serious enough to require lengthy hospital stays. In fact, their medical bills total $400,000. Your auto policy only covers a maximum limit of $300,000 in liability insurance. How are you going to cover the remaining $100,000? Your umbrella policy can cover the remaining costs. This is just one reason why it is such a good idea to obtain umbrella insurance coverage.

What An Umbrella Insurance Policy Won’t Cover

• Damage to your personal belongings
• Business losses
• Criminal acts
• Written or oral contracts
• Intentional acts or injury
• Damage due to nuclear radiation, war or terrorism
• Communicable disease, such as a lawsuit against you for giving someone an STD

Umbrella insurance also covers you for situations that are not typically found in an auto or home insurance policy. For example, in this day and age, countless people use social media. If you were to post something defamatory about another person online, you could potentially be used by that individual. Other instances might include false arrest, imprisonment or detention, malicious prosecution, wrongful eviction or entry, and invasion of privacy.

Do You Need Umbrella Insurance?

Obviously, the choice is ultimately yours, but it is wiser to have excess insurance than not enough. There are just too many circumstances you may find yourself in life that are beyond your control. Additionally, if you are someone who is well known in the world, like a celebrity or someone with a high status in society, you may be a target for people coming after your assets.

How Much Umbrella Coverage Do I Need?

Determine the value of your assets. Umbrella insurance coverage—at the very least—should cover your net worth. This is what you could potentially lose should you ever face a lawsuit.

Another consideration you should think about is your future income loss. How much do you think you stand to lose if you are faced with a catastrophic lawsuit? If you injure someone in an auto accident that leaves them paralyzed and unable to work, that person may sue you for all of the future earnings they have lose being unable to work.

Comprehensive coverage protects you against losses caused by something other than a collision i.e. theft, vandalism, fire, and damage caused by weather. Yes, this includes hail damage.

It is important to remember that, before the coverage contained in your auto insurance policy kick in, you must first pay your auto insurance deductible. This is the agreed upon value you pay out of your own pocket before your auto insurance coverage covers the rest of the damage caused (up to your policy’s limits). Figure out what deductible amount you are comfortable paying up front and then talk to one of our insurance professionals who will be happy to assist you in reviewing your coverages.

Hail can be pretty nasty and can cause a variety of damage to your vehicle. In some cases, hail can even cause enough damage to your vehicle to the point it is deemed a total loss. This occurs when it is determined that the value of the damage caused to your vehicle exceeds the value of the vehicle itself.

You can take certain measures to prevent hail damage to your car. First, pay attention to the weather forecast. Whether you listen to the weather forecast on your television first thing in the morning or you read the forecast on your phone app, being proactive in figuring out what kind of weather is going to be in your area is a great way to prevent any potential damage to your car. Also, if you have a garage, consider storing your vehicle inside the garage if bad weather is headed your way.

If you find yourself caught in the middle of a hail storm, follow these steps to ensure the safety of yourself and any passengers in your car with you:

Stop driving and pull over to a safe area

If possible, find cover such a garage or a parking ramp for overhead protection. In some cases, an underpass may be an option to consider, but don’t forget to pull over far enough to avoid traffic and to turn your flasher on, so that other cars notice you.

Park your car at an angle

By doing this, any hail is more likely to hit the front of your vehicle and your windshield is reinforced to protect you from rocks and debris. Your side windows are not.

Stay inside your car

Your own personal safety is more important than any damage caused to your car. Remember that during any kind of storm you find yourself in. Your car can always be repaired or replace.

Protect yourself

Cover yourself with a blanket while lying facedown inside your vehicle. Instruct anyone else in your vehicle to do the same to protect themselves from debris.

Stay connected

Turn your radio on so that you stay up-to-date on current weather conditions.

How to Report Hail Damage

Call our office at 301-948-2010 to speak with one of our experienced agents who will happily answer all of your questions with regard to your situation. They can also help you determine if it is better to file a claim under your auto insurance policy or if the damage is insignificant enough to not proceed with a claim.

Remember, our experienced insurance professionals are always hear for you for answer any and all of your insurance questions. We know how unpredictable life can be! We’re here for you!

A destructive storm comes through your town, wrecking havoc every which way it can. Everything from flooding to fallen down trees, there is no way we can prevent these events from happening. While this is true, it is possible to minimize the damage to your home if you take certain preventative measures ahead of time.

Obviously, having the proper amount of home insurance coverage will help you cover the financial burden of having to repair or replace something that has been damaged from a storm. But, there are some simple steps you can take to protect your home from further damage, protecting your bank account at the time.

Wind

Gusts of wind have the ability to knock over outdoor furniture or pick up tiny branches that could potentially scratch your car. Strong winds can cause trees to fall on your house, resulting in a costly home insurance claim. To prevent events like this from happening, pay attention to weather forecasts and consider moving furniture to covered areas around your home. Pick up loose branches in or around your yard or in your driveway.

Nonweather-Related Water

Conduct regular inspections of your dishwasher, washing machine, and toilets inside your home as they are the most common sources of leaks and water damage inside homes. Check your hoses for wear and replace it if needed. If you plan to be away from your home for any considerable amount of time, think about shutting off your main water valve to give yourself peace of mind. No one wants to worry about potential water disasters while they’re on vacation.

Hail

As stated before, anticipated bad weather and taking necessary preventative measures ahead of time is the best way to protect your home from damage. While we can’t control how hail moves or where it strikes, we can move our valuables out of harms way. For example, If you have a garage, move your car inside before the bad weather comes. That way, you won’t have to worry about dents, dings, or scratches caused by hail or other objects flying around.

Weather-Related Water

Making sure that your roof is in prime condition is an excellent way to make sure your home will be protected from torrential downpours. If you live in an area that tends to have periods of heavy snow, make sure to remove the snow accumulation from your roof before it melts and leaks into your house. Your gutters should always be clean, too.

Theft

When it comes to your protecting your car, keeping it inside your garage may be your best option to prevent thefts from occurring. If that is not an option for you, be sure to remove any valuables from your car before going inside your home. You can also lock them away. It’s best to keep anything valuable out of plain sight. In addition, installing home security systems, motion detectors, alarms, and cameras may help deter thieves from entering your home. Finally, keep your windows and doors locked.

Do you enjoy the feeling of sitting in a clean car? Keeping your car clean and orderly will not only decrease stress and anxiety; it will keep your safer behind the wheel by minimizing potential distractions.

Water Bottles

Many water bottles of made from plastic. Plastics contain BPA, a harmful chemical that can potentially leak into the water. This chemical is believed to cause cancer.

Medication

Many medications are meant to be stored at room temperature. When exposed to hot temperatures for extended periods of time, a drug’s potency may be greatly diminished, thus effecting its ability to perform its intended purpose.

Sunscreen

Sunscreen can potentially lose its effectiveness if left exposed to high temperatures for a long time. Hot temperatures can also cause the bottle containing the sunscreen to expand and eventually explode, creating a mess no one wants to clean up.

Glasses

Leaving your glasses on the dashboard is a surefire way to make them too hot to handle or wear. Additionally, sunrays can alter the frames of your glasses.

Personal Belongings

Items such as your wallet, cell phone, keys, and passport are valuable and are prime targets for potential thieves. Never leave these items in your car, especially in plain sight. Take them with you or leave them at home.

Lighters

Lighters already present a potential fire hazard when you use them. When left exposed to nature’s elements, you could be looking at an extremely dangerous and costly situation. Don’t leave flammable liquids inside your car.

Aerosol Cans

Aerosol cans have the ability to combust when exposed to extreme temperatures for long periods of time. This goes for both hot and cold temperatures. To be safe, leave your personal hygiene products in your bathroom at home.

Are you considering buying a hybrid vehicle? Perhaps you’re tired of having to stop by the gas station every few weeks to fill up. Or perhaps you’re frustrated with the increases in gas prices at the fuel pump. Or maybe you think that by buying a hybrid now, you’ll save more money in the long run because gas prices are high. Whatever your reasoning, you’re set on buying a hybrid vehicle. But, is it really worth it?

Insurance companies know that people who are buying hybrids are saving more on fuel and tend to cover more distance than drivers of gas cars. So, naturally, those fuel savings will be eaten up by higher insurance premiums.

Typically, an insurance company is going to charge more to insure a hybrid vs. a gas-powered car because it costs more to manufacture a hybrid. The average damage claim for a hybrid is significantly higher than that of a gas-powered car. Therefore, drivers who use hybrid vehicles to get around are deemed a higher risk. Driving behavior is another factor that insurance companies factor in. For example, drivers who use hybrids are more likely to drive longer distances during peak hours of traffic. The main motivation they have is to save fuel and money during rush hour. With heavier traffic comes to more likely possibility of a collision with another vehicle.

There are other reasons why it will cost you more to insure your hybrid instead of a gas car.

• More mileage = more $
• Expensive repair costs due to more costly car parts and the need for a specialist to administer repairs. Even aftermarket parts are expensive due to low demand.
• Fewer hybrids on the road translates to needing more specialized hands to perform repairs. Low supply and high demand is going to mean higher costs.
• Materials used for construction of small hybrid city cars are fragile than that of SUVs.
• Because hybrids are less noisy, drivers are a higher risk of accidents involving pedestrians or cyclists.

You may ask, “Are hybrid cars more safe to drive or are they more dangerous?” Hybrid cars tend to be safer to drive. But, the costs to repair them are so much higher. If you are driving a hybrid car, you are paying more for the safety it provides you. Hybrid safety records indicate they perform better than gas cars with regard to incidents involving higher speeds.

At the end of the day, you’re going to be paying more if you drive a hybrid vehicle instead of a gas car. Everyone’s circumstances are different, so think about what is best for you before making a decision on what kind of car to buy.

We cannot know precisely what the future holds for us. That’s why it’s important to do everything we can to anticipate and prepare for the unexpected. It’s the only way to ensure our own financial security. One way to do this is by carrying enough coverage on your auto insurance policy. While having the proper amount of protection is necessary, have you ever pondered ways to reduce the costs of your insurance? There are ways you can save.

Take Advantage of offered discounts

Depending on what insurance carrier you have, you may be offered certain discounts on your auto insurance. For example, Erie Insurance offers a number of possible discounts you could consider.

Multi-policy Discount

Erie offers a number of different insurance policies. Whether you have a home policy with Erie or an auto policy, combining your coverages may make you eligible for a discount. If you have a current home insurance policy with Erie and add auto insurance, for example, you may see your costs reduced. Erie offers discounts that range from 16%-25%, depending on the state in which you live.

Other Ways to Save

If you child’s school grades are a B average or higher, or if they rank in the top 20% of their class, you may be eligible for a good student discount. This discount generally lasts until the driver reaches the age of 25.

Being a safe driver can help reduce your insurance costs. Think about it this way; before an insurance company takes on a new client, they usually review their driving record. If you are deemed a safe driver with no claims on your auto insurance, you will likely be quoted with a much lower rate than someone who has a history of multiple claims. This is because the insurance company sees that the driver with more claims is more of a risk to insure. The higher the risk, the more expensive the cost. The lower the risk, the lower the cost. Make sense?

Take a Defensive Driving Course

There are advantages to taking a defensive driving course. For instance, you can reduce the number of points on your license if you take a course in defensive driving or accident prevention. If you are looking for auto insurance, provide us proof that you took a defensive driving course and we can help you obtain a discount. Only drivers who are under the age of 21 are eligible for this discount. Please note that this discount does expire after a time, but it can be renewed if you take another course.

Should I Downsize My Vehicle?

You may think that downsizing your vehicle will greatly reduce your insurance costs. This is not necessarily true. For example, while hybrid vehicles may be better for the environment, these types of vehicles are worth more money and therefore, cost more to insure. Hybrid vehicles are built with more advanced technology. This means they are more expensive to produce. If you own a hybrid and it gets stolen or totaled, your insurance would need to cover a higher cost to replace it.

Increase Your Deductibles

Your deductible is the amount of money you agree to pay out of pocket before your insurance coverage kicks in. These amounts typically range between $250 to $1,000. Generally, the less you pay in your deductible, the higher your annual insurance premium will be. With a higher deductible, your annual insurance premium will be lower. Depending on your comfort level and your driving confidence, you choose the best option that best fits your needs.

Review Your Coverage

Are you currently carrying something on your insurance policy you do not need? For example, if you are driving an old car that is on the verge of dying on you, it may make more sense to drop collision or comprehensive coverage. Why? Because the insurance company may choose to deem the car a total loss since the value of the vehicle at the time of the accident is less than what it would actually cost to repair it.

Pay-In-Full

Typically speaking, you will pay less for your auto insurance if you agree to pay for the full sum of the policy upfront rather than paying in installments i.e. monthly.

1. Drive Super Smoothly

When the roads are slick with snow or ice, your tires, naturally, have a harder time getting traction on the surface beneath them. Slow down and be gentle with your steering and your movements to ensure the stability and overall safety of yourself and your vehicle. Remember, easy does it.

2. Look As Far Ahead As Possible

There may be situations you find yourself in that are slippery that also hinder your ability to see in front of you. In these particular cases, it’s essential that you take extreme care and caution while driving. If you can see, however, do your best to look as far down the road as possible. See what’s in front of you and what’s around you and anticipate. Driving more slowly will afford you more time to react in the event of a fallen tree or branch or if a rock jumps up and hits your windshield.

3. Heed the Flashing Lights

When was the last time you paid attention to the little symbols in front of your steering wheel? These are indicators that illuminate when your car needs something. Basically, your car is sending you a signal saying, “Pay attention! I need some help!”! One symbol that you should pay particular attention to illustrates squiggly lines behind the outline of a car. When this light flashes, it means that the wheels of the car are slipping. It would serve you well to ease up on the accelerator if you ever see this. Once you do, your tires will regain their grip on the road, making it far less likely you will lose control of your car and cause a collision.

Additionally, if you are turning and you see a blinking light, this is what is known as the stability-control system telling you that the car is starting to slide from its intended path. To regain control of the situation, slowly ease up on the gas pedal. Do not accelerate around corners in town on slushy or snowy streets. Remember, it’s best to drive slowly and carefully in these conditions, so in case something happens suddenly, you’ll have plenty of time to react safely.

4. Look Here!

If you ever feel your car beginning to slide or skid, always look to where you want to go, not to where your car is going in the given moment.

5. Deal with the Skids

Whenever you feel your car sliding or skidding, do not slam on your brakes. For a front-wheel skid, where the front tires lose traction and the car turns in a wider arc than you expect, slowly ease off of the gas. When you do this, the front tires should regain their grip on the road surface.

If it’s your rear wheels skidding, turn your steering wheel in the same direction in which the rear of your vehicle is sliding. Gently ease off of the accelerator and do not brake. As your rear wheels regain their tread, steer your car back in the original direction.

6. Use Your Anti-Lock Brakes This Way

Every new vehicle on the road today comes standard with an anti-lock-brake system (ABS). If you find yourself in a situation where your car is sliding and you cannot recover yourself, push the brake pedal down hard and do not let up. The computer system in your car that supplies the ABS will keep each wheel braking as aggressively as possible based on the available traction.

7. Constantly Assess Your Traction

Before you do this, make sure there are no cars or objects within close range of your vehicle to ensure that you don’t get hit from behind.

8. Beware of All-Wheel Drive

All-Wheel Drive vehicles can put you into a false sense of security as a driver, especially on slippery roads. It’s important to note that just because you are driving an all-wheel drive vehicle doesn’t mean you are protected in snowy or slushy weather conditions. Drive with the same amount of caution as you would driving any other type of vehicle.

9. Change Your Tires to Winter Tires

Put simply, winter tires provide far more traction and tread on road surfaces than other tires. They perform best in the snow and slush, and even ice.

10. Read the Road

When observing the road, shiny is bad. This typically means there’s either ice or water on the road surface. Slush behaves like deep water, making it far more difficult to gain proper traction on a road surface.

11. Carry the Right Supplies

If you’re about to embark on any kind of road trip or extended period of time on the road, it’s important to have survival supplies and tools in case of an emergency. So, be sure to have a snow shovel in your car during winter. Salt is another good tool to have if you encounter slick surfaces.

Depending on the state in which you live, you’ll be faced with different requirements regarding how much coverage you carry on your auto insurance policy. Although states around the country carry different requirements, there are some parts of auto policies that remain constant: bodily injury liability, personal injury protection, property damage liability, collision coverage, and comprehensive and uninsured/underinsured motorist coverage.

Bodily Injury Liability

Bodily Injury Liability refers to any injuries you yourself (the policyholder) are responsible for. In other words, if you are deemed the at-fault party in an auto accident and the person or person in the other vehicle or vehicles sustain injuries, you may be responsible for paying for their medical care. 

Liability Insurance is one of the most important coverages you can purchase. This is due to the fact that serious accidents may involve serious injuries to one or more persons. You may end up being sued for large amounts of money, and your insurance policy will only cover you up to your own policy’s limits. This means that if any medical expenses exceed your limits, you are forced to cover the rest out of your own pocket. We recommend limits of $250,000 for Bodily Injuries and at least $100,000 for Property Damage. You don’t want injured parties coming after your home, your savings, or assets. Protect yourself.

Medical Payments or Personal Injury Protection (PIP)

Any treatment for injuries sustained in the auto collision will be covered under this portion of your policy (up to your policy’s limits). This also includes medical payments, lost wages, and the cost of replacing services usually performed by the injured party. This coverage may also cover the cost of funerals.

Property Damage Liability

Any damage you cause to someone else’s property will be covered under this section of your auto insurance policy. This also includes drivers whom you give permission to drive your vehicle. In addition to a vehicle, this type of coverage may also cover trees, telephone poles, fences, buildings, or other structures you may strike with your vehicle.

Collision

This type of coverage covers costs for damage to your car resulting in a collision with another vehicle, or an object i.e. a tree or telephone pole. Damage from potholes is also covered under this category.

Although you are always responsible for paying your insurance deductible first, collision coverage will reimburse you for the costs to repair your car to its state before the collision occurred. If you are deemed not at fault in the accident, your insurance company will attempt to recover the amount they paid from the other party’s insurance company. If in this process, your insurance company is successful, you will also be reimbursed the amount of your deductible. 

Comprehensive

Any losses due to theft or any damage caused by something other than a collision with another car or object will be covered here. Comprehensive coverage covers fires, falling objects, missiles, explosions, earthquakes, windstorms, hail, floods, vandalism, riots, malicious mischief, or contact with animals i.e. birds or deer. 

It is important to understand that comprehensive insurance coverage must be purchased separately from property damage.

Uninsured and Underinsured Motorist Coverage

If you, a member of your family, or someone you deem a designated driver is hit by an uninsured motorist or someone who does not carry enough coverage to pay for the damages you sustained during an accident, if you have this type of coverage on your auto policy, your insurance company will handle the costs and then reimburse you. A hit-and-run situation also falls under this category, so if you are ever hit by someone who leaves the scene of the accident, you will be covered.

Being stuck on the side of the road due to a flat tire is one of the most dreadful situations a person may find themselves in. This is because you may be left exposed and unprotected from oncoming traffic or you’re stuck in an area with horrible cell phone reception, or it’s an area that is sparsely populated which means it will take a while before someone comes to your rescue. Sounds like a horror movie, doesn’t it?

For most people, services such as AAA provide the roadside-assistance that is needed in these situations. 

If you choose to change your tire yourself, make sure to read your owner’s manual first. It will tell you precisely which tools to use and how to use them, so you will ensure that your vehicle is not damaged during the tire-changing process. It’s good to practice at home a few times to make sure you’re performing all the steps properly. Plus, when you’re at home, you won’t have the added stress of oncoming traffic.

How to Change Your Car’s Tire

• Make sure your car is placed on a flat surface. Being on solid ground will be helpful in using the jack safely. Carrying a small wooden board in the truck of your car can help provide a flat surface on which to change the tire. 
• Turn on your hazard lights
• Put your car in park. Also, Set the emergency brake.
• Refer to your owner’s manual to quickly refresh yourself with the proper steps to change your tire. Remember, your safety is what’s most important here.
• Get the spare tire, jack, and tools you need to perform the job. All of these tools should be in the truck or the cargo area. If you have a truck, minivan, or SUV, it’s possible that your spare tire is placed underneath the vehicle and will need to be lowered down.
• Use a floor mat to make a more comfortable area upon which you can kneel while changing your tire.
• If there is a wheel cover, remove it. 
• Loosen but do not remove the lug nuts with the tire iron, turning counterclockwise. 
• Jack up the car. Make sure the jack is positioned under the specific point of the vehicle’s body as what is stated in your owner’s manual. Follow the instructions very carefully because not doing so may damage your vehicle. Lift the side of the car until the flat tire is a few inches off the ground, then remove the lug nuts and the flat tire. 
• Install the spare tire. Lightly tighten the lug nuts in a cross pattern, alternating across as if you’re drawing a star. 
• Lower the jack and remove it from under the car.
• Tighten the lug nuts firmly in a cross pattern motion.
• Place the flat tire, jack, and tools in the car. 

1. Electrical Damage

During winter, it’s common to see a significant increase in energy use. Space heaters require a lot of energy in order to run properly and effectively. Be careful when using such devices if they are outdated or if your electrical system altogether is old. Space heaters may present a clear fire hazard if left unattended. Never use these devices for any other reasons other than those stated in the manufacturer’s instructions.

1. Stress on your roof

During those bitterly cold, icy times of year, your roof may be pounded by significant amounts of snow and ice. Freezing temperatures contribute to the abuse your roof sustains. Additionally, condensation and ice dams are your roof’s nemesis. All of these factors put stress on your roof.

1. Poor performing windows & doors

Whenever you’re faced with frigidly cold temperatures outside while keeping the inside of your home warm, the drastic differences in temperature tend to damage the caulk on your windows. When this happens, cold air is able to seep through cracks, thus defeating the whole purpose of keeping your home insulated and warm. In order to effectively repair caulked areas, wait for temperatures to rise a bit. This will ensure that the caulk cures the way it’s supposed to.

Harsh winters can inflict brutal damage to various areas of your home. When wood rots, you’re leaving an open invitation to termites as temperatures will increase come spring time. Once temperatures are warm enough, go ahead and proceed with repairing any damage with wood epoxy. You may want to consider replacing the whole door frame of the damage is severe.

To ensure that you won’t be experiencing cold air coming into your home, another way to solidly prevent this is by making sure your weatherstripping is in good condition. If you see any damage, replace it and you shouldn’t have a problem anymore.

1. Freezing and damaged pipes

Frozen or bursting pipes can be one of the most costly insurance claims because of the severity of damage they can cause to your home.

You should seriously consider insulating your pipes with foam pipe insulation or heat tape BEFORE the cold weather comes. Every hose should be completely drained of water and disconnected. Make sure your water is turned off on any faucets that are outside your home. As far as your faucets inside your home and concerned, consider leaving a slight drip coming from each faucet to prevent freezing.

1. Damage to steps & driveways

The good news is that many homeowners are proactive when it comes to prepping their driveways, sidewalks, and steps for the winter. Some place ice repellant on these areas before the freezing temperatures and snow storms hit. The bad news is that many chemicals used in these repellants have the ability to damage driveways and steps. This, in addition to your shovel, can cause cracks, chips, and loose bricks. Use a de-icing agent that doesn’t contain harsh chemicals if you want to prevent this from happening. Finally, if you don’t want to face snow and ice removal yourself, you can always hire a professional to do it for you.

Stay Proactive

The best way to prevent severe damage to your home and costly insurance claims is by taking necessary preventative measures. The sooner you take those measures, the better chance you have at protecting your home and your wallet.

The beginning of a new year presents the perfect opportunity to start fresh. Countless people all over the world use the end of the year to come up with their New Year’s resolutions. This past year has been a challenging one for many. As we reflect on everything that’s happened, we can use this new year to make sure we’re all putting ourselves in the best positions to be successful.

Exercise

Going for walks, running on the treadmill, lifting weights…anything you can do to keep your body moving. Movement is essential to maintaining good health. Yes, you can get rewarded for getting into better physical shape. Quitting smoking is also beneficial because it can help get you a lower rate for a life insurance policy.

Consider adding ERIE Auto Plus to your current auto policy

With ERIE Auto Plus you get:

• Diminishing deductible – maximum reduction of $500
• $10,000 death benefit
• Additional days of transportation expense coverage
• Increased limits for things like locksmith costs, personal items, sound equipment and non-owned trailers.

Create a home inventory for all of your possessions

If you experience a disaster like a fire or a flood, it’s possible that many – if not all – of your possessions would be either damaged or destroyed. Having a well-organized home inventory on hand can assist you in working with your insurance company to make sure your claim payment is maximized. Additionally, your insurance claim process will be much faster if you already have your inventory completed.

Time for an Annual Review

Just as would be the case if you were visiting your doctor for your annual checkup, it’s a good idea to approach your insurance coverage with the same importance. Have you made any significant changes in your life? Call our office at 301-948-2010 and ask to speak with one of our licensed insurance professionals. They will happy to answer any questions you may have related to your home, auto, life, or business insurance policies. Our agents can also review your current coverages to see if you’re eligible for any discounts.

If we didn’t have access to a car, calling a taxi service is what we used to do. While we still have that option, times have certainly changed. Using rideshare services such as Uber and Lyft seem like common practice nowadays. While these services have made getting from place to place easier, have you ever wondered about the risks? Before someone drives for Uber, the company does put them through a screening process. But, there are also several steps you can take to ensure your safety while using the service.

Get your ride indoors

Instead of waiting outside by yourself while checking your phone for your ride’s arrival, wait inside until the app shows that your driver has arrived to pick you up.

Check Your Ride

Always be sure to check the make and model of the vehicle you ordered a ride from. The driver’s photo, the vehicle’s license plate number, and the make and model of the vehicle are all provided for you on the Uber app. Never get into a car where the vehicle or identity of the driver doesn’t match what is listed clearly in the app.

Ask the driver to confirm your name

Along with the Check Your Ride safety tips, it’s a good idea to ask the driver to confirm your name before entering the vehicle. Your driver will see your first name in their app. Your driver’s name shows up in your app, too. To be safe, ask your driver who they are scheduled to pick up. The driver may also ask you for your name to confirm the correct pick up and also to give them peace of mind.

Be a back-seat rider

Sit in the back seat. This will help to ensure your safety and that you can exit the vehicle on either side. Watch out for any traffic as before you exit the vehicle. Sitting in the back seat also gives both yourself and the driver some personal space.

Always wear your seat belt

Other than the fact that it’s the law, wearing your seatbelt is the most effective way to prevent injuries or death related to car accidents.

Share your trip information with your loved ones

While you are on route, press “Share trip status” in the app to share your driver’s name, photo, license plate, and location with a close friend or family member. This will give both yourself and those who care about you peace of mind knowing you’re safe. This also will give them a text message or push notification that helps track your trip and ETA.

Protect your personal information

Uber uses technology that allows you to keep your personal information secure by keeping it anonymous. Your pickup and dropoff addresses are also stored in a driver’s trip history. In select areas, the Driver app will also only show the general area in which a trip began and ended.

Follow your intuition

If you ever feel unsafe or uncertain about a particular car or driver, you can call 911 by using the Emergency Button located in the Uber app. The app allows you to share your location and trip details in real time with the 911 dispatcher. Always make sure that your phone is charged before accepting a ride with any rideshare service.

Be kind and respectful

Being kind and respectful of drivers and/or fellow passengers is a good way to keep them and yourself safe during your trip. Don’t look for trouble.

Give feedback about your trip

Any time you use Uber, once your trip is concluded, the app will ask you to rate your trip. By giving your feedback, you’re helping to keep Uber safe for other patrons. Uber has a response team that will follow up with you in case you have a safety issue while on your trip.

How long does a DUI stay on my driving record?

Typically, a DUI will remain on your driving record for three to five years, depending on your state. Please keep in mind that a driving record is very different from a criminal record. A DUI could potentially stay on your criminal record for life. It is a very serious violation and should never be taken lightly.

Depending on the state in which you live, a DUI may be also be referred to as a DWI (driving while intoxicated, OMVI (operating a motor vehicle impaired, or OVI.

Insurance rates vary from person to person. When an insurance company considers coverage for a potential client, it bases its rates for that client based upon a number of factors. Some of those factors may include age and driving history. If a driver has a long history of claims, they are considered to be a higher risk client. Therefore, they would most likely be given a higher rate for their insurance coverage.

Several factors will dictate how much your insurance rate will increase in the event you get a DUI. These factors my include the amount of time passed since your DUI, your age, as well as your driving history.

The same goes for DUIs. Drivers who have DUI violations will have to pay a higher rate for their insurance. This is because the insurance company deems them a riskier client. In some instances, this particular person may even be denied coverage entirely. So, a situation like this is considered extremely serious.

If I’m in an auto accident while drunk, am I still covered under my insurance?

If you are ever involved in an auto accident while driving under the influence of drugs or alcohol, you are still covered on your auto policy, up to the limits stated on your auto policy. This includes any damage that your car sustains, damage to the other person’s car, as well as any injuries sustained.

Once a DUI is removed from your driving record, you will most likely see a decrease in your auto insurance rate.

If you are ever issued a “DUI”, you’re likely jeopardizing your ability to retain your auto insurance. It is likely that your current carrier will drop you from their client list.

The moral of the story here really is that you should never drive a vehicle while under the influence of drugs or alcohol, but if you are a current Erie Insurance customer, call 1-800-367-3743 if you have questions regarding your auto insurance, including questions regarding DUIs.

 

As temperatures drop, nothing makes us feel warm and cozy quite like a log in the fireplace with our family gathered closely around us. As we appreciate the comfort and warmth that a fireplace can provide for us, it is important to remember that playing with or close to a lit fire is dangerous for children. Please follow these helpful safety tips to ensure that your loved ones may enjoy time with family.

While the fire is burning, keep a window cracked open, so that fresh air can circulate into your living space.

Be sure to keep the damper or flue open before starting the fire. Doing this until the fire is completely extinguished will help draw smoke out of the house. To check the damper, look up in the chimney with a flashlight or mirror. Do not attempt to close the damper until the embers have completely stopped burning.

Use dry and well-aged wood. Wood that has become wet or green tends to cause more smoke and contributes to soot buildup in the chimney. When wood is dry, it tends to burn more evenly and produce far less smoke.

Smaller pieces of wood that are placed on a grate burn more rapidly and produce less smoke.

Make sure your fireplace is free of ashes left behind from previous uses of your fireplace. Levels of ash at the base of your fireplace should be kept to 1 inch or less. Thicker layers restrict the air supply to logs, thus causing more smoke.

Consult a professional to inspect your chimney at least once a year.

It is important that you inspect your chimney for any animal nests or other blockages. These can prevent smoke from escaping which can be dangerous.

Install safety screens in front of your fireplace to prevent possible burns to children. This includes gas fireplaces.

The area around your fireplace should be free and clear from any objects that could be flammable (i.e. furniture, drapes, newspapers, books, etc.). Having any of these items too close to a fire could spell disaster.

Never leave a room that has a fire going in the fireplace. Make sure it is fully extinguished before either leaving the room or before going to sleep or before leaving the house. Do not leave small children unattended in a room where a fire is burning.

Leave fireplace tools far out of reach of children. Additionally, remove any lighters or matches.

Install smoke and carbon monoxide detectors. These should be tested every month to make sure they are functioning properly. Batteries should be changed at least once a year. Carbon monoxide is a dangerous odorless, colorless gas, so you need to have working carbon monoxide detectors to make sure you and your family remain safe in the event of an emergency.

Keep a fire extinguisher close by.

Have a conversation with your children about the potential dangers of fire.

Inspect the Exterior Walls of Your Home for Holes

Even the tiniest holes where cables and wires enter your home can allow cold and freezing air in. Use insulation to provide a protective covering to patch any holes. Seal off any cracks or wear in your windows and doors with new weather stripping or caulk.

Shut off the water to outside spigots

Plumbing is especially at risk to freeze when temperature drops below freezing. To make sure your home is protected from a potential disaster, disconnect any hoses and insulate your hose bibbs by using towels or rags.

Insulate your pipes

This might be the most important step you take in protecting your home this winter. Frozen pipes can burst, resulting in having your home flooded. This can lead to a catastrophic home insurance claim if you are not prepared. Make sure you take those necessary steps ahead of time, so your home is not at risk.

Allow your faucets to maintain a very light drip

Your water bill is not going to skyrocket if you take this step. It’s a helpful step because you will have that consistent drip of water that can protect against having your pipes freeze. Make sure that both your hot and cold lines are opened slightly. Finally, open your cabinets in your kitchen to allow for more air circulation. By doing this, your home’s heating system will keep the pipes warm.

Shut off your water at the meter

Always know where your crescent wrench is just in case you need to shut off your water at the meter.

Keep your garage door closed

By keeping your garage door closed, you are preventing cold air from entering, thus protecting hot water heater and any other plumbing that may be located inside your garage.

Keep your gutters clean

Clogged gutters may lead to possible ice and ice dams forming on your roof. Make sure they cleaned out throughout the winter season.

Run your ceiling fans in reverse

By doing this, you are allowing warm air to come back into your living space. Not only are you keeping your living space warm when you do this, but you are saving money on your energy bill as well!

Inspect your fireplace before using it

This really depends on how often you use your fireplace. But, a general rule of thumb is to have your fireplace inspected at least once every two years. If you ignore this, you may be leaving your home at risk for a house fire due to creosote build up. Getting a professional to inspect your fireplace will give you the peace of mind you need and deserve.

Are you leaving town?

Ask a family member, friend, or neighbor whom you trust to keep an eye on your home if you plan to be away for any extended period of time. Before you leave, make sure your thermostat is set to an appropriate temperature to prevent any unexpected problems when you return home.

If you’ve ever been to the mall, you’ve certain walked into a Bed, Bath & Beyond or a Yankee Candle at least once. As soon as you step foot inside one of these stores, your nose is immediately hit with inviting fragrant candles and other scents. Did you know that burning candles accounts for 7,610 house fires every year? Candle burning is especially common during the colder months as families do everything they can to stay warm. To keep everyone safe inside your home, here’s what you can to prevent a potential disaster from occurring.

Stay close by – If you notice that your candle has a high, flickering flame, it’s time to extinguish it.

Keep an eye on your kids and pets – Don’t let your kids run around and be rambunxious around flames. Also, keep an eye on your furry friends to make sure they don’t tip any candles over. Finally, don’t let your kids or your pets fall asleep next to a lit candle.

Create more space – If you are going to use candles, make sure the areas around where you place them are free of clutter and rest on a stable surface. Do not place candles next to or close to anything that could catch fire.

Move flammable items – Candles should be kept at least a foot away from other items while burning.

Always trim the wicks – Wicks that are uneven are more likely to burn unevenly, drip, or flare up. Wicks should be trimmed to a ¼ inch for best use.

Read the label – Not all candles are the same, so it’s very important to read the label to make sure you know how long it’s safe to burn your specific candle.

Dip that wick – A wick dipper can help you prevent hot wax from splattering and can also keep your wick protected. They can also eliminate the black smoke you see when you decide to blow out your candle.

Know when it’s time to throw it away – Burning a candle down to the end of its life can be a serious fire hazard. Don’t do this! Instead, if it’s a freestanding candle, throw it away once it reaches two inches. If it’s a candle that rests in a container, it’s time to throw it away once it reaches half an inch.

Invest in quality – Cheap candles don’t last and, oftentimes, are less fragrant than more expensive ones. Pay attention to how many wicks a candle has. The diameter of the candle is important, too. If they diameter is too small, the candle can not only burn faster, it can create a bigger flame. Be careful with these kinds of candles.

Go flameless – There are alternatives to flammable candles. Consider flameless candles, pod warmers, or plug-ins.

While candles can certainly put you and your family in the spirit of the holidays, it’s important to always practice smart safety techniques. Additionally, if you haven’t called us about your homeowners insurance coverage lately, we can help you better understand what is covered and what isn’tif and when you need to file an insurance claim.

Life can get pretty crazy around the holidays. From coordinating schedules with family members to buying gifts, you may feel a little overwhelmed by everything that needs to be done to have a fun and memorable holiday with family. But, what about cooking? What about being safe in the kitchen? If you have little ones, you may be familiar with the scenario of having them run around the house making lots of noise while you’re trying to cook. Kitchen safety is always important. And around the holidays, it can be a challenge with all of the outside distractions. Here’s what you can do to ensure that you and your family remain safe.

• Keep your kitchen counter tops free of clutter. Staying organized may help you in preventing injuries.
• Unplug appliances when not actively using them. Not only does this keep your counter tops free of potential clutter, your electrical bill will be lower.
• Be sure that you have, and test, GFCI receptacles in the kitchen to prevent shock and electrocution.
• Once you are finished cooking, do one last check to see that everything is turned off.
• Remove grease and dust from your oven and stovetop to prevent fires.
• Do not leave the kitchen while you’re in the process of cooking. Distractions are your enemy.
• Do not cook under the influence of drugs or alcohol or while you’re feeling sleepy.
• Do not disable a smoke alarm while you’re cooking.
• Do not use a stove with the intention of heating your home.
• If you have children, consider designating another room in the house as their “play area”. Make sure that this room is a safe distance away from the kitchen where you will be cooking.

The holidays are meant to be a joyous time when many have the opportunity to spend time with those they love most. By following these tips, we’re confident that you will be able to enjoy your holiday with your loved ones while keeping everyone safe.

be proactive and take the necessary preventative steps to ensure your home is protected when it gets frigidly cold outside.

Not only can winterizing your home keep your energy costs down; it can prevent astronomical, ruinous costs later.

Indoors:

Windows & Doors: Having cold air seep into your home through cracks can be annoying. To prevent this, inspect your windows and doors and replace any weather stripping that appears to be worn. Caulking cracks can help keep that cold air from entering your home. In addition to caulking, drapes, curtains, shades, blinds can help you prevent heat from escaping your home.

Fireplace: Inspect your fireplace closely and remove any soot or ashes. Cracks could potentially become a fire hazard if not addressed sooner rather than later. Some maintenance steps for your fireplace may be better suited for a professional to take a look at. It’s better to be safe than sorry.

Furnace: Hire an HVAC inspector to look over your furnace. Your furnace should be thoroughly cleaned and your filter should be changed every 90 days.

Thermostat: No one likes to live in a cold home during the winter time. However, it may serve you well to know that you can save up to 1% on your energy bill for every degree you lower your thermostat during the winter. Have you considered replacing your thermostat with a smart model? They can help you save on heating costs as well.

Other home heating: Space heaters—however comforting—can be dangerous if not used properly and carefully. It is estimated that 44% of house fires are caused by space heaters, according to the National Fire Protection Association.

Smoke and Carbon Monoxide Detectors: In preparing your home for the winter, one of the most important steps you should take is checking to see that your smoke detectors and carbon monoxide detectors are working properly. Additionally, gather your family members and review your emergency plan just in case you need to get out of your house quickly. Knowing what to do in the event of an emergency can help save your life.

 

Outdoors:

Gutters: Clogged gutters can cause a variety of problems for your home if not attended to: problems with your foundation, wall and ceiling damage, and even insect infestation.

Roof: Have your roof inspected by a professional before winter arrives. Repair any damages to shingles.

Trees and Landscaping: It’s important to know how to spot a diseased tree. When a tree is not strong and has weak branches, both heavy snow and strong winds can potentially know the tree down, thus causing an even more serious problem.

Lawn equipment: Be sure to drain the oil and gas from your lawn mower before storing it away for the period of time you won’t be using it. It only takes a few weeks for gasoline to separate and potentially cause damage to your engine.

Snow removal supplies: Inspect your snow removal equipment to make sure they are no signs of wear. It’s important to have a solid, heavy duty snow shovel. If heavy snow on top of your roof is not removed quickly, once it melts, it could possibly seep through cracks and enter your home, causing water damage to your interior. This can be a costly fix.

 

What to Put In Your Home Emergency Kit

Disaster can strike at any moment, so it’s important to always be prepared. And in order to be prepared, we have to think ahead. If I ever experience an emergency, what kinds of items would I need to ensure my safety and survival? It’s an extremely important question.

Items you most definitely should have:

• Water (one gallon per person, per day for several days. Water should be used for both drinking and maintaining personal hygiene)
• Food (non-perishable foods are best during times of crisis. You should prepare to have at least a three-day supply of non-perishable foods in your kit)
• Flashlight
• First-Aid Kit
• Extra Batteries
• Whistle (to signal for help)
• Flares
• Dust mask (to help filter contaminated air)
• Moist towelettes, garbage bags and plastic ties (for personal sanitation)
• Manual can opener (for food)
• Cell phone with chargers and a backup battery
• Prescription medications
• Infant formula, bottles, diapers, wipes and diaper rash cream
• Pet food and water for your pet
• Cash
• Driver’s License
• Warm blankets for each person in your family
• Pen or pencil and paper
• Books, games, or puzzles for children

Finally, if you’re ever in an emergency and are able to shelter in place and you notice that your cell phone’s battery is about to die, change your voicemail message. In the voice recording, give your precise location and explain that you do not have a way to charge your phone. When someone tries to call you and hears the message, they will be notified that you are in need of help and will know where to find you.

Halloween is this weekend! Countless trick-or-treaters look forward to this holiday every year. There are always those looking to cause mischief whenever the opportunity arises. Unfortunately, Halloween is one of those times. The good news is that there are several steps that parents and kids can take to keep themselves safe.

Due to the fact that trick-or-treaters tend to walk the neighborhood streets when it’s dark outside, they become more at risk of being hit by a car on Halloween. If you’re behind the wheel at night on October 31^st, you should be mindful of the fact that there will be little kids around. Help to keep them safe by paying close attention to the road in front of front of you and your surrounding areas. Put the cell phone down, turn your music down, drive with your lights on, and slow down!

If you’re a parent and you’re taking your little ones around the neighborhood in search of that delicious candy, take a flashlight with you. Because it’ll be dark outside, it’s a good idea to wear bright colors to make sure that you will be visible to drivers on the road. Carry flashlights with you, so that you can see drivers and drivers can see you.

• Join young children under age 12 for trick-or-treating
• Remind kids to use street corners and crosswalks when crossing the street.
• When choosing a costume, make sure you choose the proper size in order to prevent trips and falls.
• Incorporate a cloth or surgical mask into your costume
• Wash your hands before eating your candy. Parents should inspect their children’s candy for anything out of the ordinary or simply something like a possible food allergy (peanuts in candy bars).
• Use an app to track local COVID-19 virus transmission rates and take extra precautions where transmissions are high.
• Keep festivities outside as much as possible. Of course, if temperatures are low, where the proper layes to keep yourself and your kids warm. Anyone showing signs of illness should rest and recover at home.

What are you planning to dress up as this year? We hope everyone has a safe and fun Halloween!

Uncleanliness is a recipe for prolonged disorganization and stress in our daily lives. It is also one of the leading contributors to chronic allergic reactions. In fact, over 50 million people in the United States experience or have experienced allergies.

Some people are born with certain allergies. However, it is also possible to develop allergies throughout your lifetime if you do not take necessary precautions. Let’s face it. Allergies are annoying. And life should be enjoyable. Don’t allow allergies to get in the way of your happiness and peace of mind.

So, the real question is: How often should you deep clean your house? Let’s be honest. Deep cleaning an entire house is extremely time consuming. While we may feel fantastic once we accomplish this, very few have the time necessary to do a thorough job of deep cleaning. What’s the solution you ask? Focus your attention on the areas of your home in which you spend the most time. For example, you probably spend a lot of time in your bedroom, your kitchen, and your bathroom. Both of these areas, if cleaned well, require a substantial amount of time. Make your bed every morning. It feels good to come back to your bedroom with a freshly made bed after a long day at work. It will give you the feeling of peace and calm you desire. Additionally, your cooking and preparation areas in your kitchen require a lot of attention. You don’t want food particles to get stuck in the little crevices of your stove or your countertops to be covered with grimy food. If you leave this for an extended period of time, it becomes more difficult to clean (not to mention, more time-consuming).

Weekends, or any time you spend away from work, give you an opportunity to do your weekly cleaning. These tasks may include: dusting furniture, sanitizing sponges, wiping down kitchen appliances, mopping kitchen and bathroom floors, cleaning living room furniture and mirrors, scrubbing and disinfecting the bathtub, and washing your towels (after 3 uses).

Washing your bedsheets should be a frequent practice, even more so if you have allergies or have particular sensitivities.

Wiping down frequently used areas or places that are frequently touched by people is very important. Be sure to sanitize doorknobs and railings at least once a week.

Having a dirty refrigerator is not only unpleasant; it can lead to serious illness if you aren’t careful. You should always be paying close attention to expiration date labels on your food and drinks. Eggs and meat tend to give off particularly unpleasant smells if left in the refrigerator too long. Always remember, prolonging time away from cleaning areas like refrigerators will only make the task more frustrating and difficult.

Areas of your home that require annual deep cleanings include: windows, fireplace and chimney, gutters, drapes and curtains, dryers and vents, and carpets and upholsteries. Because these tasks tend to present more of a challenge, be sure to dedicate a full day to completing them.

If you keep your home clean and organized, you’ll not only prevent yourself and others from falling ill, but your mental health will improve significantly. So, what are you waiting for? Go ahead and get started on that deep cleaning!

House fires are among the leading causes of insurance claims, personal injuries, and death in the United States. Let’s talk about how you can prevent fires from breaking out in your home. As the weather gets colder, the need to stay warm becomes more crucial. With the increased use of heating devices in the home, in addition to fires start inside a fireplace, the threat of a house fire also increases. Are you taking every necessary precaution to prevent such a disaster from occurring? Your family depends on you to keep them safe. Your pets are completely dependent upon you being a responsible parent. Would you really put them at risk? Here are ten ways to reduce your risk of house fires:

1. Test your smoke alarms regularly.

Having properly functioning smoke alarms inside your home is the best way to avoid a house fire. They can instantly alert you to the sign of danger to yourself and others. If they aren’t working, a devastating tragedy could take place in the event of a fire. Make sure you test your alarms at least every 6 months.

2. Inspect all your heating sources.

Get your heating sources inspected by a licensed professional. Your air filters should be cleaned out. Space heaters are a good way to stay warm during the cold months, but they may also pose a threat to your safety if not used properly. Keep them away from anything flammable and make sure areas around them are cleared of dust and/or debris.

3. Keep your stove and oven clean.

Apart from the fact that living in a clean space works wonders for your mental health and will help keep you calm, relaxed, and happy overall, a dirty stove or oven can spell potential danger for your home. While it may not be your lack of experience with cooking that causes a fire to break out, food particles that are left behind from previous cooking sessions could cause a fire if they are too close to a burner.

Additionally, hanging curtains—when left too close to a stove—can catch fire. Anything that is kept too close to a flame could catch fire. This is why it is so important to keep your cooking areas clean at all times.

4. Don’t leave your kitchen while you have your stove or oven on.

Don’t leave your stove or oven on and unattended. The football game wait.

5. Always check your dryer.

Cleaning lint from your dryer could be one of the most tedious chores you could complete. However. that doesn’t take anything away from how important it is to do and do properly. Lint that is left lingering could potentially start a fire.

6. Maintain all cords.

If you have a dog, you’ve probably experienced the unfortunate reality of chewed cords or cables. Before plugging in any of your cords, make sure there are no signs of them being chewed or frayed. If they are, you could have a potential disaster on your hands if you’re not paying attention.

Cords should never be placed underneath rugs as they could get extremely hot.

7. Properly store flammable products.

Many household products, how ever effective in their abilities to keep your surfaces and other areas clean, also that unfortunate ability to cause fires. Be sure to read the warning labels of your cleaning products before using them. If any of your cleaning products are exposed to excess heat, they could potentially combust, causing a fire. Always store them in a cool, dry space.

8. Practice caution with candles.

Who doesn’t enjoy the scent of a burning candle during those colder months? Not only does it keep you warm, but you get the pleasure of that aromatic scent filling your nostrils. Still, it’s important to always be safe when using candles as they could potentially cause a fire. When you are finished using one, place the lid back on top of it. Keep candles away from any loose clothing or from carpets or rugs. If you have little children, teach them about the dangers of playing around candles.

9. Be careful with your fireplace.

It may sound obvious, but it still needs to be said. Never leave a room before extinguishing a fire going in a fireplace. Also, ashes from a fire tend to be hot. So, make sure you give them ample time to cool off before disposing of them.

10. Keep fire extinguishers around.

Fires can break out suddenly with little to no warning. This is why it’s so important to have a good fire extinguisher handy in your home. Train every single member of your family on how to responsibly use a fire extinguisher. You can’t always be around to protect them.

Conduct a Home Inventory

Disaster can strike at any moment. And home inventories are one of your best defenses against a disaster such as a fire. Write down the value of everything valuable in your home. For those particularly pricey items such as jewelry or paintings, you may consider getting a professional to appraise them for you. If you have documented evidence of something’s value, it is much more likely you will get that amount back or at least close to it in the event of a loss.

The topic of life insurance is often met with frowns, discomfort, and reluctance. And we understand why. Thinking about your own death is not an easy think to contemplate. However, obtaining a life insurance policy may be one of the smartest decisions of you life because it can help provide for your loved ones after you’re gone.

Much of the hesitation surrounding life insurance are several misconceptions about how life insurance works. In fact, most of these misconceptions are flat-out myths altogether. To understand life insurance and its importance, read further.

I don’t need life insurance because I’m either single or married with no children.

Just because you aren’t married or have children doesn’t mean a life insurance policy wouldn’t benefit you loved ones greatly. In the event of your untimely death, the money from a life insurance policy can help you loved ones pay off any debts you left behind. A mortgage and paying off a car are serious matters. Your loved ones already have to cope with the heartache of you not being around anymore. Why make matters more difficult with financial burdens?

I can’t afford life insurance.

This is a commonly shared belief. Believe it or not, life insurance is extremely affordable. A policy may be customized to fit your specifics needs and budget. And, in the case of life insurance, a little can go a long way. In fact, policies may be less expensive than that cup of coffee you’re buying every morning on your way to work. Call our office and ask to speak with one of our experienced life insurance professionals. They’ll be happy to answer any and all questions you may have.

I’m a stay-at-home parent that doesn’t earn an income. I have no need for life insurance.

Just because you may not be earning a paycheck doesn’t mean your time isn’t valuable. In fact, if you’re a stay-at-home parent, chances are that the tasks you’re completing on a daily basis could cost thousands and thousands of dollars every year if you were going to pay someone to do them. Hiring professional caregivers or house cleaners doesn’t come cheap. If you were to die, a life insurance policy could help to cover the costs of hiring some help for your loved ones.

I have a life insurance policy through my employer. If I choose to take on another job or get fired from my current job, I can take the policy with me.

When you purchase your own life insurance policy, you afford yourself more options and more overall flexibility. If you have life insurance through your work and you either lose your job or decide to leave it, typically, your life insurance policy stays with your employer. You can’t take it with you. This is another good reason to get your own life insurance policy. When you buy your own policy, you’re also able to customize it to fit your specific needs.

My beneficiaries will have to pay income taxes on the proceeds from my life insurance policy.

Generally speaking, your life insurance policy is income-tax free. This means that, if you were to pass away, your beneficiaries would be required to pay taxes on the benefit issued to them in the policy. However, any interest payments on top of the policy may be subject to a tax.

If I get a term life insurance policy, I can’t convert it to a permanent or whole life insurance policy.

Depending on the type of policy you buy, you may be granted an opportunity to convert your term life insurance policy to a permanent or whole life insurance policy. Call us to speak with one of our life insurance professionals at length. It is important to note that, most of the time, life insurance policies that are in force for a specific period of time must also be converted within a very specific period of time.

I don’t need life insurance once my children are legal adults.

If you die, a life insurance policy can help your loved ones pay for a funeral. If they do not anticipate possible estate taxes, a life insurance policy can help them with those surprise financial burdens. Finally, if you want to leave your children an inheritance, a life insurance policy is one way to make that a reality.

I have a comfortable amount of savings, so I don’t need life insurance.

The average cost of a funeral is over $7,000. It’s great if you have money saved for your children, but do you really want your children to have to use most of that money for your funeral? Saying goodbye is hard enough. Don’t add financial stress on top of what your loved ones are already struggling with.

Colder months can be a brutal time of year for your car if you’re not proactive about vehicle maintenance. Neglecting the warning signs that your car needs some much needed attention could take a serious toll on your wallet. Here are ten fall maintenance tips that, if you use them, will help you live much more stress-free during the fall and winter months.

Replace your Wiper Blades

It’s an unfortunate reality, but a reality nonetheless. Wiper blades wear out after a while. In severe weather conditions consisting of heavy rainfall or snow, you’ll need wiper blades that are up to the task of providing you with clear visibility when you’re out on the road. Generally speaking, wiper blades should be replaced every six to twelve months.

Test Your Heater/Defroster

Having to drive a car that won’t heat itself properly isn’t fun, especially when temperatures are freezing. When you turn your heater/defroster on, check to see how effectively your car is defrosting itself. If it is taking longer than usual, it may be time to get it repaired or replaced.

Change Your Oil

Most cars today have built-in oil indicators that tell you just how much oil is left in your car. Whether you drive a newer car or are still trying to get those last few miles out of an older one, be sure to be mindful of when the last time you changed your oil was. If you wait too long, your car’s performance will suffer and you may be left with an expensive repair on your hands. Remember, being proactive about your vehicle maintenance can save you hundreds if not thousands of dollars.

Have Your Tires and Brakes Inspected

If your tires lack the proper amount of tread to grip road surfaces, and if your brakes fail on you, you’re leaving yourself at dangerous risks of peril when you’re behind the wheel. Not to mention if you have your loved ones in the car with you. Ask yourself, would you really want to put them at risk? Don’t do it.

Check Your Lights

This doesn’t take much time at all. Simply walk around your vehicle with your lights turned on. If you notice any cracks, breaks, or one or more of your lights not illuminating, you’ll want to take your car to a dealership or repair shop immediately. Not only is it dangerous to drive with malfunctioning or broken lights, but a police officer will certainly pull you over and issue you a ticket for driving your car without properly working lights.

Check Your Air Filter

Don’t know how to test your air filter? Don’t worry. Place your air filter in front of a 60-watt light bulb. If you can’t see through the filter, you know it’s time to replace it. If you don’t know how to replace the air filter yourself, contact a skilled technician to provide that service for you.

Have Your Battery Checked

Weather is getting colder. Pretty soon, it’ll become cold and treacherous. You don’t want to be in a situation where you’re stranded on the side of the road in freezing conditions because your car battery died on you. It’s better to get your battery looked at sooner rather than later. Batteries can also have loose wires and cable connections. Loose wires and wet conditions? No, thank you. Get a professional to take a look at your battery before it’s too late.

Top Off Your Fluids

How many fluids are there? Well, for starters, check that your washer fluid, transmission fluid, brake fluid, and power steering fluid are all topped off. This is especially important and needed in cold weather conditions.

Refill Your Cooling System

If your engine is overheated, you potentially have an expensive repair on your hands. Make sure your coolant is full with a 50/50 combination of water and coolant.

Check Under Your Hood

If you look under your hood, you’ll probably see some obvious signs of wear and tear. If signs of wear and tear are visible, take your car to a professional to have it inspected. They can tell you what needs to be repaired and/or replaced and how much everything will cost. A little rule of thumb is if you hear any strange noises or smell anything unusual underneath your hood, it’s time to have your car inspected.

How many of you have ever played a sport? Typically, in sports, scoring points is a good thing. If you’re talking about your driving record, well, that’s a different story. Practicing safe driving techniques is not only a surefire way to keep points off your driving record; it’s a foolproof way to keep your auto insurance rates low.

Motor Vehicle Departments of different states across the country as well as various insurance companies use speeding tickets and other violations to track your driving record. The more points you actually have, the higher your insurance rates will likely be. In addition, the severity of the infraction determines the amount of points you will be penalized with. For example, while a speeding ticket may get you one point, with a DUI, you’ll be racking up a monumental 6 points! Let me say again, you do not want points on your license!

Insurance carriers give higher rates to individuals with poor driving records because they present a greater risk to them financially. Once you reach a certain number of points, your policy may be surcharged, resulting in you having to pay a higher insurance premium.

Moving violations will likely add points to your license. Such violations may include but are not limited to: speeding, reckless driving, illegal turns, failing to come to a complete stop, driving under the influence of drugs or alcohol, and accidents in which you are deemed the at-fault party.

An analysis by Wallethub determined that an Erie policyholder’s insurance rate will increase by 5% after being issued a speeding ticket. Now, it’s important to remember that if you’ve committed infractions in addition to speeding, for example, your insurance rate will likely increase more than someone who just has the single speeding violation. In North Carolina, a speeding ticket will cause your premium to increase up to 54%.  According to carinsurance.com, if you are a licensed driver in Maryland and are caught speeding between 11 and 16 miles over the speed limit, you could face a rate increase of up to 18% on your insurance premium. Rate increases vary by state.

If you text while driving, not only are you putting yourself and other drivers at serious risk of injury, but you are also potentially risking your insurance rates to sky-rocket. In fact, if you cause an accident in Maryland, you are looking at 3 points being added to your driver’s license. This goes on top of the point you already earned if you were speeding. If you licensed in Virginia, say hello to 3 points on your license if you’re caught texting while driving. States all over the country are really cracking down on chronic texters. If you want to keep your insurance rates low, put the phone down while you’re behind the wheel.

As hard a hit as your insurance premium may take if you commit these violations, there is a silver lining. Depending on the state in which you live, a speeding ticket will only affect your auto policy for 3-5 years. If you don’t want to pay the higher premiums for years, you have the option of taking a defensive driving course that would result in the ticket being expunged from your record altogether. Also, you can call one of our agents at 301-948-2010 to see what discounts you may qualify for under your Erie policy.

Did you know that September is National Baby Safety Month? Whether you already have little ones running around or if you are expecting, as parents, you always want to keep your babies safe and out of harm’s way. Whatever situation you find yourself in, updating your insurance policy might be something to strongly consider.

Keeping Your Baby Safe In the Car

Choosing the right car seat can be a challenge. Whatever car seat you decide to buy, make sure it is federally approved. Car seats should always face the rear of you vehicle until your baby is at least two years old or until they reach the top weight and height recommendations of the car seat manufacturer. This is typically around thirty pounds and thirty-six inches (3 feet).

Installing a mirror can provide you with much needed peace of mind that your baby is safe in your car while you are driving. Additionally, giving your child the ability to see themselves and you can help keep them from getting bored.

Preventing Your Baby From Falling

Never place an infant carrier on a countertop or table. Keep them on the floor to prevent the risk of a fall. Additionally, it is important to remember to never leave your baby unsupervised on a bed, couch, changing table, or any other high surface. Even more, consider installing baby gates on the top of stairways to prevent your baby from experiencing a dangerous fall.

Smoking and Fire Safety

Do not smoke or allow anyone else to smoke around your baby. Clothing, hair, and skin can all carry smoke particles, so it is important to not smoke outside either.

Even if you do not have babies or children, having a properly functioning smoke alarm in your home is of paramount importance. Be sure to change your smoke alarm’s batteries every six months. Additionally, it is a good idea to have a fire extinguisher on every level of your home. Finally, since carbon monoxide it an odorless, colorless, deadly gas, you need to have a properly functioning carbon monoxide detector installed in your home.

Preventing Baby Burns

Don’t hold an infant while you’re cooking, eating or drinking. Before you feed your baby, make sure the temperature of the food is at a safe temperature for consumption. If you are handling pots and pans on the stove, make sure they are not facing outward to prevent to possibility of a dangerous spill.

Having a Baby Safety Kit On Hand

As parents, we always want to do everything we can to protect our babies. If you are ever facing an emergency or just want peace of mind while traveling, it’s a good idea to have a safety kit with you. These kits often include items such as: extra formula, clothing, a first-aid kit, and medicine.

Buying your first home is one of those memorable accomplishments that will stay with you for the rest of your life. Once you have signed on the dotted line and taken official ownership of the property, you’re going to want to—if you haven’t already—think about some essential items to pick up for your home to make your experience of living in your home that much more enjoyable. Here is a substantial list of items to consider purchasing after you’ve bought your home.

Safety Equipment:

Smoke Alarms: You should have smoke alarms installed in every room of your house including each bedroom, outside your bedrooms, and on every level of your home. If your home has a basement, don’t forget to install a smoke alarm there, too.

Carbon Monoxide Alarms: Not to say that Carbon Monoxide is more dangerous than smoke, but it is an odorless, colorless gas that can prove deadly if it isn’t detected sooner rather than later. Be sure to install carbon monoxide alarms on every level of your home, especially in places where people sleep.

Fire Extinguishers: It’s always a good idea to have a fire extinguisher handy in case a fire breaks out while you’re cooking in the kitchen.

Safety Ladder: If you live in a home that has more than one level, seriously consider purchasing a ladder. Ladders can make the difference between life and death in the event of an emergency.

First-Aid Kit: Having a healthy stash of bandages, ointments, wipes, and other products is a good idea in case someone gets injured in your home.

Emergency Kit: Water, canned foods, flashlights, batteries, a can opener, flares, dust masks, tools like a wrench or pliers, maps of your area, a cell phone and a charger, prescription medications, eyeglasses, matches, personal hygiene items, pet food and supplies, an extra change of clothes.

Essential Items for Security of Your Home:

New locks: Any time you purchase a new home, it’s important to change the locks immediately to ensure the safety and security of yourself and your family.

Motion-sensor lights: These kinds of lights illuminate when they sense movement in a given area. They’re not expensive and are relatively simple to install.

Home safe: A secure box in which to store valuable documents like IDs or passports, birth certificates, banking information, and other sensitive information is always a good idea.

Window treatments: Believe it or not, installing blinds is one way to deter criminals from breaking into your home.

Video doorbell: Cheaper than security cameras, video doorbells can provide you with the peace of mind you want by giving you access to video footage of any action taking place at your front door. You can also link this capability to your smartphone, so you can always keep an eye on these areas even when you’re away from your home.

Items for Indoors:

Vacuum: Not all vacuums are created equal and different vacuums work more efficiently depending on how they are designed and what kind of surface they are being used on. It’s okay if you want to spend your money on an automatic vacuum that will work its way around your home on its own, but if you want more of a deep clean, consider purchasing a standard one.

Mop: If you have a home that has hardwood or composite flooring, a dust mop will serve you well. Consider purchasing one with a long handle, so you don’t have to spend all of your time on your hands and knees.

Plunger: No further explanation is necessary here. This is a must-have.

Broom and dustpan: When you own a home, the time will inevitably come when you spill food crumbs on your floor. Also, dust can build up on your floor and in hard-to-reach areas. A broom and dust pan are a must-have. Consider buying a dust pan with a long handle to avoid having to squat down every time you need to reach something.

Air purifier: These are great if you want to reduce the amount of allergens and pollutants in the air. Also, green plants can help improve your air quality as well.

Pencil sharpener: The days of manual pencil sharpeners should have been gone a long time ago. Buy yourself an electric pencil sharpener that can rest on top of a desk or table. You’ll save yourself a lot of time and hassle this way.

Dehumidifier: Humidifiers are great if you want to decrease the dryness of your living space. But, what if you have the problem of too much moisture in your home? Get yourself a dehumidifier to use in your basement and living areas.

Batteries: Having a healthy stockpile of batteries will save yourself at least a few trips to the store. Figure out which items you use regularly that require battery use and create an inventory. That way, you’ll have a better chance of not buying too few or too many.

Power strips: Power strips are nice to have because they can help you cut the costs of your energy use.

Outdoor Items

Lawn equipment: A lawnmower, a leaf blower, and hedge trimmers for your bushes. Make sure you have enough space in your storage areas as these items can take up quite a bit of space.

Shovels: Depending on what kind of work you’re about to do, not all shovels will get a particular job done. In any case, you should always get yourself a snow shovel.

Hose: Choose one that will suit your needs. You’ll also need a nozzle. Please do not forget to store it away during the winter because a frozen hose can present a big problem!

Door mats: Family and guests are bound to track in dirt into your home. A door mat can help your minimize what is carried into your home. If that fails, consider asking your guests to remove their shoes before entering your home.

Snowblower: Snowblowers can be your saving grace if a huge blizzard comes into your area and wreaks havoc. They’re far more efficient than shovels, alone.

Have you ever experienced a catastrophic event that almost ruined you financially? Windstorms or hail damage are commonly covered perils under a typical homeowners insurance policy. A peril is something that has the potential to cause damage to your property i.e. fire and smoke, lightning, explosion, vandalism, damage from an aircraft, car or vehicle, theft, falling objects, weight of ice, snow and sleet, and water damage. You may think that, because water damage is listed here, that a flood would fall under that category. Actually, floods are not covered by homeowners policies. Floods are covered by the Federal Emergency Management Agency, better known as FEMA.

Protecting your home against flooding is something that all home owners should consider. Before purchasing a flood insurance policy, however, you should take some time to consider just how likely the area in which you live will have to endure a flooding situation. To get a better idea and overall understanding of flood possibilities, take a look at this flood map provided by FEMA. Enter your address in the search bar to analyze your specific area’s flood zones or simply click “Search All Products” and choose your state, county, and community to view reports of your area’s flood history.

The process by which you prepare your home to combat flooding will depend greatly on where you live. If you do live in an area that is prone to flooding, consider these steps:

Raise your home on stilts or piers: The idea here to create enough space between flood water and the base of your home, so that water is not able to enter your home.

Install foundation vents or a sump pump: Foundation vents allow water to flow through your home as opposed to pooling around it. This method of flood prevention significantly decreases the pressure that flood water can place on your walls and basement windows. Using sump pumps are, oftentimes, an effective way of pumping water out of basements where flooding tends to occur frequently. To ensure that this method is fool-proof, consider installing a sump pump that has a battery backup just in case you lose power.

Apply coatings and sealants: Coating and sealants—when applied to cracks in walls, windows, or doorways—can help prevent flood water from seeping into your house.

Install check valves on your pipes: All pipes that lead into your home should be fixed with valve for the purpose of preventing sewage from entering your home. Ask one of our agents about Sewer Line Backup Coverage provided by Erie Insurance.

Raise your electrical outlets and switches: For the same reason as raising your home on stilts or piers, raising your electrical outlets and switches can help prevent a disaster in which you would experience significant electrical damage. Water and electricity are not a safe combination.

Grade your lawn away from your house: Using heavy soil that contains either and sand allows surface runoff to be lead to an appropriate, safe place. This way, you don’t have to worry about excess water building up around your home.

Leave space between mulch and siding: Wet mulch can lead to dangerous situations because it can rot your home’s siding, resulting in leaks. You want your home to have the ability to fully dry after rainstorms.

Point your downspouts away from your house: If runoff is not pointed away from your home, it could potentially pool around your home, eventually leading to leaks in your basement.

If you are experiencing an emergency flood situation, following these important steps could spell the difference between saving your home and a complete and utter disaster.

• Turn off your water line if you are certain that is where the water is coming from.
• Make sure your gutters and drains are cleared of any debris i.e. leaves, grass, etc.
• Remove all rugs, furniture, electronics, and other valuables from the flooded area. If you can, keep those valuables elevated to keep them dry.
• Turn off your electricity at the breaker panel! Electricity and water can prove to be a deadly combination. To avoid that danger, keep your electricity off.
• Open your windows to increase airflow in your home.
• An active sump pump can prove to be extremely helpful in removing excess water from your home.
• Take photos of any damages caused by the flood and submit them to your insurance company as evidence of what happened. This evidence can prove extremely important and helpful in any financial dispute.

Spending time in the backyard with your friends or family should always be a joyous time. They provide families an opportunity for fresh air,

Establish Safety Rules

If you’ve ever been a parent, you know how much of a challenge it can be to keep your kids away from potentially dangerous situations. Babies are always putting objects into their mouths while toddlers or kids who are a little bit older and always running around getting their hands and faces dirty. It’s important to help your kids to understand that the rules you set in place and meant for their own safety.

Don’t chase, push, or wrestle while playing on slides, climbing walls, or swings.

Store your bikes, backpacks, and any other personal items away from play areas to avoid any potential tripping or falling.

Always wear close-toed shoes. Do not wear loose clothing, jewelry, or any other items that could potentially get caught in equipment.

Use equipment the way it is intended to be used. Do not stand stand on swings. Do not jump from high platforms. Do not walk up slides. In fact, when it comes to slides, be extra cautious, especially with slides made from metal as they tend to get extremely hot in the summer.

Stay clear of areas like the garage or shed as potentially dangerous tools are often stored here. Parents should always keep an eye on their children while they’re playing and should encourage them to always stay in sight.

Inspect Your Yard for Possible Hazards

Young kids are always testing their limits. Whether by themselves or through peer pressure from friends, kids may have a tendency to ignore certain signs or danger to be thought of as cool. Do your best to inspect your yard ahead of time to make sure there are no hazards that could hurt or injure your child.

Supervise children at all times

Kids should always have an adult supervising them as they play outside. If necessary, take rest breaks. Always remember to drink plenty of fluids and apply and re-apply sunscreen and insect repellant as needed.

Install a fence

Fences are great ways to ensure that you kids will stay in your yard. Of course, this isn’t to say that you should leave them unsupervised as they could jump over the fence. What is important is that you set clear boundaries with your children to help them understand where they can play and what areas are off limits. Another option is to fit your youngest children with GPS trackers just in case they wander off when you’re not looking.

Remove poisonous plants and flowers

Young kids tend to be unfamiliar with poisonous vegetation. Therefore, it’s probably best to remove these threats altogether. Before giving your kids permission to play in the backyard, do you due diligence and conduct a thorough inspection of your yard, being sure to remove any poisonous plants and/or flowers. If your child happens to ingest one of these plants or flowers, call the American Association of Poison Control Center at 1-800-222-1222.

Improve the security in and around your pool

Drowning is the leading cause of death in children under four years of age; most of these tragedies occur in home swimming pools. In addition to your swimming pool, make sure your hot tub’s cover is securely fastened when it’s not being used.

Pool area doors should remain closed and locked when the pool is not being used. Always remember, no matter how many sensors or high-tech security gadgets you install, nothing beats having an adult supervising children as they play.

Use caution while grilling

Make sure that your grills are away from any play areas and always keep your kids away from the grilling area. Never leave a grill unattended. Once you’re finished grilling your delicious food, be sure to put away all items such as lighter fluid, matches, and propane.

Check play structures for signs of wear

Naturally, equipment wears over time. Be sure to periodically inspect your play sets and playground equipment for signs for wear. Obvious signs could be rotting wood, exposed bolts, damaged floor boards, or loose steps and railings. Repair these unsafe items before allowing your child to use them again.

Get rid of the trampoline

Although trampolines may seem like a lot of fun, they can be extremely dangerous if used improperly. Countless children have been injured while using trampolines—the majority of them suffering broken bones. Studies have shown that 75% of injuries related trampoline use have occurred when more than one person was using the trampoline at the same time. To ensure the safety of your children and their friends, do not allow this behavior. It is important to note that many homeowners insurance policies may not cover trampoline-related injuries.

In the event that an individual outside of your immediate family does suffer an injury while on your property, you may be at risk of a serious lawsuit. You may be held liable for such injuries. Because of this, it’s a good idea to get yourself a liability insurance policy to cover the cost of potential medical costs. Call our office to discuss a Personal Catastrophe Liability insurance policy with one of our experienced insurance professionals today!

 

Ignoring Your Check Engine and Other Warning Lights

When you first purchase a vehicle, it is a good idea to familiarize yourself with your owner’s manual. There, you will learn how to properly care for and maintain your vehicle. If you follow the appropriate steps related to your vehicle’s maintenance, you will undoubtedly prolong the life of your car.

With the introduction of hybrid vehicles and other advancements in technology, car manufacturers have been able to modify cars in such a way that makes it very easy to know when it is time for you to take it in for a maintenance check. For example, the 2019 Honda Accord Hybrid has a 15% oil indicator that becomes illuminated once the vehicle reaches that point. Once you see this light, you know it is time to take your car in for an oil change. It is important to stick to these maintenance guidelines if you do not want your car to malfunction down the road (pun intended). Ignoring these warning signs could be extremely detrimental if not catastrophic for both your car and your wallet. Repairs for these circumstances are not cheap.

Waiting Too Long On Routine Vehicle Maintenance

If you skip routine engine coolant changes, you are risking early water pump and heater core and radiator failure. Coolant changes can cost around $175. Replacing a heater core is far more painful for your wallet, costing around $1,300.

Delaying oil or transmission fluid changes can cause problems for your car where the repairs cost even more. If your engine fails, you’re looking at forking up at least $4,000 while rebuilding your transmission will cost you around $3,500. These are not inexpensive repairs, so keeping up with fluid changes for your car are of paramount importance.

Ignoring Unusual Noises

Have you ever been distracted by something while behind the wheel that had forced you to brake suddenly? Did you hear an unusual or alarming sound? Whether your brakes are squeaking or grinding, you may have a problem on your hands.

Light squeaking may mean it’s time to change your brake pads and/or rotors. It definitely means it’s time to have your car serviced by a professional. Remember, ignoring these tell-tale signs could spell certain doom for your car if you don’t act sooner rather than later.

If you hear something that sounds more like a screeching or grinding sound, you may have a serious problem on your hands. What it could mean is that your brake pads are so wore down and thin that the brake disc and caliper and rubbing together. The average cost of replacing your brakes is roughly around $235. It may cost you more depending on how new your vehicle is. Just as there are different models and grades with cars, the same goes for brake pads. You pay more for higher quality pads.

Ignoring Smells

Another reason why it’s so important to keep up with regular maintenance checks is that by the time you notice an unusual smell coming from your car, you may be in trouble. An oily burning smell means either that oil or fluids are leaking onto your hot engine and exhaust components. If you don’t take care of this problem immediately, burning fluid has the potential to cause a fire under the hood of your car. This can outright destroy your vehicle!

If you smell burning rubber, it could mean that your drive-belt system is about to fail. If this happens, your car’s engine may overheat and become damaged. If you have a burning smell coming from your brakes, it means they are not operating the way they should be. The bottom line is if you smell anything unusual coming from your car, take it in for an inspection immediately!

Driving On Worn Tires

We all know that tires cost a lot of money. So, it is understandable when car owners try to wait as long as possible before having to replace them. The problem with that is, when you wait to replace your tires, you run the risk of getting into an accident.

When tires wear below the 4/32-in. mark, traction decreases. This makes it noticeably more difficult to have your vehicle come to a complete stop and increases the likelihood of hydroplaning on wet pavement. For example, a car traveling at 70 mph requires 100 more feet to stop with 2/32-in. tire tread than 4/32-in. tread.

It’s not just driving at high speeds with low tread tires that presents a problem. If you’re driving along with worn tires at just 20 mph and slide into a curb, you could potentially suffer damage to your vehicle amounting to around $1,500. Of course, you could file a claim through your insurance company, but, in that case, you’re still responsible for paying a $500 deductible before your insurance kicks in. Additionally, this incident would count as an “at-fault” accident on your driving record.

Driving Your Car When It’s Overheated

Several factors can contribute to having your car overheat. Coolant leaks, a failed radiator fan, and a failing water pump, and a handful of other reasons can cause overheating. Ignoring the warning signs of your car overheating can result in an enormous cost for repairs.

Many cars today have aluminum engines. When an aluminum engine overheats, it has the potential to suffer total head gasket failure. Once the gasket fails, coolant can then leak into the crankcase where it can completely destroy engine bearings. It can also leak into the exhaust, resulting in the destruction of the catalytic converter. It’s like the epitome of a snowball effect. When something goes wrong, and then something else, and then something else, your problems progressively and steadily get worse and worse. And when it comes to your car, those problems—when left unattended—can cost a considerable amount to fix (if they can be fixed at all).

If you ever see pools of wet stains on your driveway, it could mean that your car is leaking some kind of fluid. Motor oil is brown in color while coolant can either be green, yellow, orange, red, or blue. Transmission and power steering fluid is either bright or dark red. Sometimes, power steering fluid can be gray. New brake fluid is more of a honey color while older fluid is darker.

It’s extremely important to keep all of your vehicle’s fluid levels at the recommended levels to ensure it operates at its highest level. Ignoring the warning signs could spell catastrophe for your wallet.

 

We can never know when an accident is going to occur. That’s the whole point of having insurance, to protect us from the unexpected. We understand how shocking and traumatic accidents can be. When you’re involved in an auto collision, oftentimes, you’re not able to immediately process what’s just happened. And, filing a claim with your insurance company probably isn’t the first thing on your mind. Once the sheer shock of the collision has worn off, it’s important to take the next step. You’re probably going to want to file a claim. We’ll take you through the process to make sure it’s easy, understandable, and stress-free.

When should I file an insurance claim?

If and when you are ever involved in an auto collision, the first step you are going to want to take is to assess the amount of damage to the vehicles involved. Minor dings and scratches may present damage in which the cost to make repairs does not exceed your auto insurance deductible (this is the amount of money you have agreed to pay out of pocket before your insurance company covers the remaining costs up to your policy’s limit). If this is the case, filing a claim may not be your best option since filing too many claims may lead to an increase in the cost of your insurance or an outright cancellation. If you do choose to move forward with filing a claim, your insurance company will send out an insurance adjuster to assess the damage and will make a determination as to how much repairs will likely cost. If the claim is approved, you will receive a check in the mail to cover the cost of repairs. Again, you must pay your deductible beforehand.

There are certain scenarios in which you should strongly consider filing a claim:

When someone is injured.

If anyone involved in the auto collision is injured as a result of the collision, you should file a claim with your insurance company.

When it’s not 100% clear who the at-fault party is.

Sometimes, it’s not perfectly clear who is responsible for damages related to an auto accident. If this is ever the case, exchange insurance information with the other driver and let the insurance companies figure out what exactly happened. A police report may help aid you in this case as well.

When your vehicle is deemed a “total loss” or you simply cannot afford to cover the cost of damages.

In the event of a “total loss” accident, it is likely that you are looking at considerable costs pertaining to damages. In this case, filing a claim is the best way to go.

If you are ever uncertain about whether or not to file a claim, it’s a good idea to talk to your licensed insurance professional who can guide you through the claims process and answer any questions you may have.

When you’re at the scene of an accident, if it’s necessary, call the police. A police report may assist in determining what exactly happened at the scene and only makes the process run more smoothly for yourself and your insurance company.

Document Everything and Exchange Information

The information you’ll need from the other driver is as follows:

Name, address and phone number of the other driver, and, if possible, a photo copy of their driver’s license.

Insurance policy numbers

Year, make, and model of all vehicles involved as well as license plate numbers

Taking photographs of vehicle damage can help your present evidence in court if a lawsuit is filed against you. Additionally, photos provide evidence to your insurance company and help them determine payouts as well.

Notes regarding any conversations you had with those involved in the accident and any witnesses who were at the scene.

Call us at 301-948-2010

Our licensed insurance professionals are here for you to guide you through the claims process, so you’re able to have the peace of mind you deserve.

 

 

Carbon Monoxide Poisoning is very real, very dangerous, and is something that should not be taken lightly.

What happens when you develop Carbon Monoxide Poisoning? It’s not pretty. When there is too much carbon monoxide in the air and you breathe it in, that poisonous gas is taking the place of healthy oxygen within your red blood cells. When this happens, oxygen is not able to reach your body’s tissues and organs in order to function properly and effectively. The effect can be devastating and can even lead to death.

Symptoms of Carbon Monoxide Poisoning include: dull headache, weakness, dizziness, nausea or vomiting, shortness of breath, confusion, blurred vision, and loss of consciousness. Even worse is, because carbon monoxide is an odorless, colorless gas, people who may be asleep or intoxicated may suffer irreversible brain damage before even realizing there is a problem. That’s why it is so important to have your carbon monoxide detector routinely checked to make sure they are functioning properly.

Carbon Monoxide gas is especially dangerous when it is able to be released in enclosed spaces and areas. For instance, one should never use a charcoal grill indoors because carbon monoxide from the fumes has the ability to build to dangerous levels. Additionally, smoke inhalation during a house fire can lead to carbon monoxide poisoning.

Those At Highest Risk for Carbon Monoxide Poisoning:

• Unborn Babies: Because fetal blood cells take up more readily than those of an adult, unborn babies are at higher risk for being harmed from exposure to carbon monoxide.
• Children: Because the lungs of young children may not be as strong as an adult’s, they may be more likely to take more breaths. This could make them more susceptible to carbon monoxide poisoning.
• Older adults: Older adults may be more likely to experience irreversible brain damage from carbon monoxide poisoning.
• People With Chronic Heart Disease: Those who suffer from anemia and/or have difficult breathing are especially at risk.
• Those Who Become Unconscious Due to Exposure to Carbon Monoxide: If someone loses consciousness, this could indicate a more severe exposure to carbon monoxide. Call 911 immediately.

Potentially Devastating Effects of Carbon Monoxide Poisoning

• Permanent Brain Damage
• Damage to your heart, potentially leading to life-threatening cardiac complications
• Fetal death or miscarriage
• Death

Ways to Combat And/Or Prevent Carbon Monoxide Poisoning

Because carbon monoxide gas is both odorless and colorless, it is virtually undetectable to humans. Therefore, preventative measure are really the only way to protect yourself and your family. Here’s what you can do to protect yourself and your loved ones:

Install carbon monoxide detectors: Wherever members of your family sleep, a carbon monoxide detector should be placed in or near every room of your house. Regular battery checks are essential to ensure everyone’s overall safety. Conduct these checks at least twice a year. If the alarm does go off, do not take the time to try to discover where the leak is coming from. Instead, remove yourself and your loved ones from the house and move to a safe area immediately. Once you are safe, call 911 or your local fire department for assistance.

Open your garage before starting your car. This really should go without saying. We’ve all see what happened to the character Peter Russo in the show “House of Cards”, right? Now, although that was a fictional show, it correctly and effectively demonstrated the devastating effects of carbon monoxide gas on the human body. Carbon Monoxide gas thrives in small, enclosed areas. It is important to remember that.

Use gas appliances as recommended.

Keep your fuel-burning appliances and engines properly vented.

Space heaters

Furnaces

Charcoal grills

Cooking ranges

Water heaters

Fireplaces

Portable generators

Wood-burning stoves

Car and truck engines

It is of paramount importance that, if you have a gas fireplace, that you keep it in good, healthy condition. This means having to properly inspected for gas leaks every year. Conduct yearly cleaning sessions for your chimney and flue.

Keep your vents and chimneys unblocked during any remodeling. Remove any tarps or debris to ensure airways are clean and clear.

If an incident has occurred in a given area, do not return to that specific area until a thorough investigation of, and/or repairs to, the area is conducted. Your local fire department or utility company can could be of assistance with this. You can also call your own inspector.

Be extremely cautious when working with solvents in an enclosed area. Methylene chloride, which is a solvent commonly found in certain paints and varnish removers, can break down into carbon monoxide when it is inhaled. Exposure to this may cause carbon monoxide poisoning.

 

When COVID-19 first hit, home owners and renters all over the country suddenly became hermits, reluctant to leave the comfort, safety, and security of their own homes. The fear of becoming infected with a virus that, at the time, no one knew very much about, was paralyzing. Once distancing and travel restrictions were lifted, consumers stormed out of their homes and back into the world, eager to have some fun!

It is commonly understood that supply and demand have a direct and important connection. When supply is high and demand is low, prices go down. When supply is low and demand is high, prices go up. This is what we have been seeing as it relates to renting cars. And as such, consumers have been finding it hard to get their hands on a rental car when they want to travel. Why? Well, as travel restrictions eased and restaurants lifted their social-distancing limitations, people immediately took the first opportunity they could to return their lives to some semblance of normalcy, like a desperate fish out of water.

Areas with warmer weather are seeing the most dramatic jumps in prices. Hawaii and Orlando, FL have seen a drastic influx of travelers that has overwhelmed the supply of available rental cars. Before travel restrictions were eased, many car companies elected to sell off their unused inventory in order to stay afloat and not feel the painful effects of the loss of business. Businesses needed the demand to stay at a high level and that just did not happen during the virus outbreak. And, to make matters even worse, the current semiconductor chip shortage has made the process of finding new cars to fill their fleets a lot longer. Going back to that concept of supply and demand, if there is a shortage of supply, the cost of renting a vehicle is going to go up. That jump could be significant in certain areas of the country, especially in areas that attract a lot of tourists or vacationers.

Experts recommend planning farther ahead if you want to plan a family trip. The farther in advance you make your plans, the likelihood your rental car prices will be lower and more manageable are good.

Car Dealerships may be a good option for anyone who is planning to take a road trip. This is because, unlike what you see at rental car places where the prices are inflated, the prices are fixed at car dealerships.

The best way to combat high prices for rental cars is to plan your trips and vacations well in advance. Safe travels!

 

A certificate of insurance is a document proving that an insured party has insurance coverage. Typically, a certificate of insurance is requested by the clients of the insured. Verification of insurance coverage is provided to third parties that an individual or entity has insurance coverage. If an individual hires a contractor to paint his house, that individual will call an insurance company and request a certificate of insurance. This document reassures the hirer

The certificate of insurance is not identical to the actual insurance policy, but it does contain important information that is also listed on the policy. The coverage offers the insured protection from any claims pertaining to liability. It is important to remember that, if and when someone files a claim against the insured for a particular incident, that incident must have taken place within the policy period. The policy period is the length of time the policyholder is provided insurance coverage.

There are different types of certificates of insurance: certificates of property insurance, general liability insurance certificates (these are typically issued when a claim is made against the insured), Workers’ compensation certificates, which are used to show evidence of an employee’s or contractor’s insurance coverage pertaining to work-related incidents. There are also certificates of insurance for automobile liability.

The insurance policy may provide liability coverage for damages caused by fire on the insured’s property. If the insured is deemed legally liable for the damages, they are then required to pay for the damages. Medical expenses to cover any injured parties who suffer injuries on the insured’s property may be provided by an insurance policy. Auto Insurance policies provide compensation for any injured third parties in the event of an injury suffered during an auto accident. If an insured is involved in a serious at-fault accident involving other parties and his or limits of liability are exhausted, excess liability coverage would kick in to cover medical care like hospital visits, etc. This kind of coverage must be purchased separately from general auto insurance coverage. It can be added as an endorsement on the policy. Having excess liability coverage is always a smart idea because it can protect an individual from suffering financial ruin.

The certificate of insurance should be very clear and specific in stating what is covered and should conform to the specific terms and conditions stated within the contract. This prevents any misunderstandings of coverage between the insurance company and the insured.

 

We’ve all come across something we don’t fully understand while reading. This may be especially true when it comes to the subject of insurance. Although insurance may seem like a painfully dry, uninteresting topic, understanding – it and how it works – is essential and extremely helpful in leading a stress-free life. The following are essential terms with which you should become familiar.

Actual Cash Value (ACV) – As soon as you drive your brand new car off the lot, its value decreases quite significantly. This is called depreciation.

Replacement Cost – Depreciation = Actual Cash Value (ACV)

Adjuster – If you ever have to file a claim with your insurance company, that company will obtain an adjuster: a person tasked with the responsibility of determining if a loss is covered by an insurance policy, and, oftentimes, write a check to the insured party.

Agent – an individual who sells insurance policies on behalf of a particular insurance carrier. One individual may work for a privately owned insurance business that works with one or multiple insurance carriers.

Assured – another term for the person being insured on the policy.

At-fault – the party who is liable for damages sustained by another party. In the case of an auto accident, “at-fault” would mean the person responsible for the auto collision.

Bodily Injury – this refers to an injury a person sustains. In terms of auto insurance, bodily injury liability coverage is specifically designed to cover the costs resulting from such an injury.

Carrier – another way of referring to your insurance company. Ex: Erie Insurance, Travelers Insurance, Progressive Insurance

Claim – a claim is a formal request made by the insured to restore themselves to their previous state before the time of the loss.

Claimant – any individual or entity that is requesting payment from an insurance company.

Coverage – specific protections or benefits that are usually outlined in your insurance policy. Coverages can be found on the Declarations Page.

Damage – Monies the at-fault party is required by law the pay to the injured party.

Declarations Page – the page in your insurance policy that lists all of the important, essential information i.e. name, address, policy number, coverages, limits, premiums, deductibles, and dates of coverage.

Deductible – in the event that you file a claim with your insurance company, your deductible is the pre-set, agreed upon amount of money you pay out of pocket before your insurance company covers your claim up to your policy’s limit. In case you suffer damages totaling $6,000 and you have a $500 deductible, you would first pay the $500 and your insurance company would cover the remainder, up to your policy’s limit.

Estimate – the amount of money predicted, usually by an adjuster, to be made in order to repair or replace the covered property that is damaged.

Insured – the person or organization for which the insurance company is providing coverage. The insured’s name is typically listed on the declarations page.

Insurer – the company or organization tasked with providing insurance policies to the insured.

Liability – the legal obligation an at-fault party has to pay for damages sustained by the affected party. For example, if you are hit by a driver of another vehicle, the driver of the other car is liable for damages to your car and, possibly, your person.

Limits – an agreed upon dollar amount that the insurance company pays for a specific coverage for a particular claim. If the limits on the policy are exhausted, the insured party would be responsible to pay for any outstanding balances.

Loss – damage caused an insured piece of property. A “covered loss” refers to any damage or injury an insurance policy provides protection for. For instance, damage caused by a wind storm is covered. Damage caused by flood is not covered under a typical home insurance policy. Rather, the insured would need to obtain flood insurance separately through FEMA.

Named Insured – the person or entity for which the insurance coverage is being provided. This person or entity is typically listed on the declarations page of the insurance policy. In terms of business insurance, the named insured is the business, while its employees are insured only while performing their specific duties for the company.

Policyholder – Similar to “insured”, this term refers to the person or entity being covered by the insurance policy. Again, this name would appear on the declarations page.

Premium – An agreed upon amount that the insured pays the insurance company in order to be provided coverage.

Replacement Cost Coverage – Unlike with Actual Cash Value, this type of coverage refers to the cost of replacing property while not factoring in depreciation due to normal use or wear and tear over time.

Believe it or not, there are many common misconceptions about insurance. A popular one is the idea that, if you drive a red car, you pay more for your auto insurance than someone who drives a car of a different color. The truth is, the color of your car has absolutely no affect on the cost of your auto insurance. What does determine how insurance premium (what you pay) is the age of the vehicle, the make, and the model. Additional factors may be your credit history and where you live.

If your car suffers damage in an auto accident, your insurance will automatically provide you with a rental car.

Rental Reimbursement is an optional coverage apart from your standard auto policy. It must be purchased separately and added as an endorsement to your auto policy.

If your car is deemed a total loss in an accident (when it costs more to restore your vehicle to its pre-accident state than the actual value of the vehicle), you are no longer required to make your car payments.

We have both good news and bad news in a situation like this. The bad news is that your car’s value depreciates as soon as your drive it off the lot. As a result, if you are involved in an accident, it’s possible that the value of the car is less than the cost to restore it to its original state. Ask one of our insurance agents about how gap coverage can help you in paying off a balance you may still owe on your car.

Your landlord’s insurance policy covers your personal belongings.

Typically speaking, your landlord’s insurance policy will only cover the structure in which you live. Your personal belongings must be protected by your own renters insurance policy. To ensure that you get as much money as possible to recover your lost or damaged items, seriously consider doing an inventory that states, in detail, what each item is worth. In order for your insurance company to reimburse you properly, it’s best to have this inventory completed before the time of the loss.

Homeowner’s insurance only needs to cover the market value of your home.

The easiest way to avoid having to think about construction and labor costs in case your home is destroyed, talk to one of our agents about Guaranteed Replacement Cost. It’s the best kind of coverage when it comes to rebuilding your home back to its original state.

Floods are covered under a homeowner’s insurance policy.

False. Flood Insurance is handled by FEMA. If you either live in a flood zone or have a mortgage on your home, you are required to have flood insurance.

If your belongings are destroyed, your insurance will buy you all new stuff.

If your personal belongings are destroyed in a disaster such as a fire, you are going to need new stuff. When it comes to replacing your lost items from a covered claim, make sure that you have Replacement Cost Value Coverage on your policy because it’s the only way you’ll be able to have your insurance cover the cost of a new television. If you have Actual Cash Value instead, it means that your insurance will give you the value of what it deems to be the cash value of your television at the time of the loss. For instance, if you have a television that is ten years old, obviously, that television’s value is going to be less now than it was when you first bought it ten years ago. Don’t put yourself in a position where you’ll get Actual Cash Value for your loss.

You will always be paid the stated value for your “scheduled” items.

If you have items “scheduled” on your insurance policy, there’s a chance they may only be covered by the current Replacement Cost Value up to your stated limit on your policy. Ask one of our agents about your options when it comes to coverage limits.

You don’t need an insurance agent.

When it comes to covering your most valuable possessions like your home, your cars, your business, and even your life, it’s probably a better idea to let an experienced insurance agent give you the guidance you respectfully deserve rather than relying solely on yourself. Call us today! 301-948-2010 We’re here for you!

 

Think of umbrella insurance as extra coverage. If you have certain coverage limits on your auto insurance policy and you’re involved in an at-fault collision, it’s possible that those limits may be exhausted through having to pay the costs for vehicle damages or medical payments for the other party if they’re injured. An umbrella policy kicks in once those initial limits are exhausted and will likely cover the rest of the costs.

No matter where you stand in regards to your career, whether you’re just starting a new one or you’re preparing to retire, having a solid umbrella insurance policy in place has some important benefits. If you don’t have one and you suffer a catastrophic financial hit, such as a lawsuit, you’ll certainly wish you had one in place beforehand. Every decision you make in life comes at a cost.

Imagine this scenario. You’re driving along on the road, going 65 miles and hour in a 40 mph speed limit zone. To add insult to injury, you’re texting while driving, so your eyes aren’t focused on what’s in front of you. You approach an intersection when the traffic light turns red. You’re still not paying attention. You fly through the light, crashing your car into two other cars in the middle of the intersection. This is just one scenario. Accidents can happen at any moment.

That’s a pretty terrible situation to imagine, isn’t it? Unfortunately, this kind of situation happens more often than you’d think. That’s why it’s so important to have that extra coverage in place just in case something unexpected happens.

Umbrella Insurance isn’t just limited to your automobile. It can also help you cover damages related to your home insurance. For example, if you host a part at your house and someone slips and falls, breaking their ankle, although having someone injured in your home is terrible and unfortunate, your umbrella policy can help you cover the costs of their medical care. Your umbrella policy can also help to protect you against being sued.

Every situation is different and it is understood that not everyone is going to have the same needs. However, in terms of protecting yourself and your peace of mind, it’s best to have that extra protect in case you face a catastrophic event. Call our office at 301-948-2010 to speak with one of our experienced insurance professionals to learn how umbrella insurance can benefit you now.

 

A lot of people may be hesitant to purchase a life insurance policy. They may think it’s too expensive. The truth is that a life insurance policy is much cheaper if you buy it when you’re young and healthy because insurance companies consider healthy people far less at risk of dying than someone much older who may also be in poor health.

If You’re Getting Married

Once you get married, you not only have yourself to take care of, but you have someone who, not only loves you, but depends on you to be their partner through life. If one of you dies unexpectedly, a life insurance policy can help with any financial woes or struggles that may occur.

If You’re Planning to or Already Have Children

We all know that having babies costs money. Everything from feeding them to buying diapers for them, to paying for child care, those expenses certainly add up. A life insurance policy can help ease your stress level when it comes to providing for your kids.

To Cover Lost Income

If you die and you left loved ones behind who solely relied on your income, an adequate life insurance policy will help them cover those monthly mortgage and car payments.

Funerals

It’s a sad reality, but a reality nonetheless. Funerals cost money. No one likes to think about having to say their final goodbyes to a loved one. A life insurance policy can help ease the burden of having to pay for a funeral.  Although you may be gone, your loved ones can take comfort in knowing they did everything they could in saying their final goodbyes.

Pay Off Debt

Unfortunately, debts don’t just disappear if you die suddenly. If you and your spouse both signed on that dotted line for a mortgage, now that you’re no longer around, your spouse may have to carry the heavy load of the repayment. Another scenario may be creditors coming after your estate. Your loved ones already have to deal with the heartbreak of losing you. Don’t add financial burdens and struggles to that mix.

College Funding

Countless Americans borrow money through student loans in order to pay for college. Did you know a solid life insurance policy can provide an excellent way to supplement your payments? Paying for higher education is definitely a costly endeavor. And life insurance can certainly help! Talk to one of our experienced agents about how a life insurance policy can benefit you!

If You Own A Business or Are a Co-Owner of a Business

If you are a business owner, you’ll want to make sure that your family as well as your employees are protected in the event of your untimely death. Running a business isn’t cheap and requires a lot of different expenses. From office supplies to payroll, a life insurance policy can help those you leave behind.

Estate Taxes

If you’re concerned about your children’s inheritance, a life insurance policy can help protect them from inevitable inheritance taxes they are going to be hit with. A life insurance policy can help cover those costs.

Life Insurance Is More Affordable Than You Might Think

On average, you’ll pay more for your daily cup of coffee than you pay for your life insurance. Still, it’s important to keep in mind that these types of policies tend to become more expensive the longer you wait to purchase one.

Peace of Mind

Although none of us can know what’s going to happen in the future, a life insurance policy can help put your mind at ease, knowing that no matter what happens, your loved ones will be protected.

Call our office at 301-948-2010 to speak with one of our experienced life insurance professionals. They can help you find the coverage that best fits your needs.

 

If you’re planning a vacation on any extended period of time while you’ll be away from home, it’s important to take necessary steps to ensure that your home is properly secure.

Give the Appearance That You’re Actually Home

In this day and age, thankfully, we do have ways to make it look like someone is home even if they actually aren’t. Taking steps like setting times on lights, radios, and televisions so they have turn off and on automatically may be an affective way to deter criminals from breaking into your home. Now, we’re not saying you need go all out “Kevin-McAllister-style”, but making your home look occupied is definitely smart. Additionally, you should cut your grass before you head out on your vacation and, if you have more than one car, park it in your driveway. Another option is having one of your friends or neighbors park their car their while you’re gone. Window blinds and curtains should positioned normally. Do you best to keep expensive furniture or home appliances out of plain sight.

Lock Your Doors

As is the case whenever you leave your home, you should always lock up. Don’t forget to also close your garage.

Be Mindful of What You Share on Social Media

We live in a day and age where sharing photos and videos online is the norm. Everything from Facebook, to Instagram, to Twitter, we’ve become very comfortable with posting what we do in our daily lives on the internet. Though this can be fun to do with close friends and family members, you’re taking a risk every time you do this because it’s a way for criminals to become incentivized to break into your home while you’re away.

In order to prevent burglars from knowing you’re away, be sure to change your privacy settings on your social media platforms to private or share them with your friends only.

Get Help From Your Neighbors

Telling a trusted friend or neighbor about your plans to be on vacation may be another option you’d want to consider. It’s good to have an extra set of eyes of someone whom you trust to be on the lookout for anything unusual surrounding your home. Providing them with a spare key is also something you can do.

Install Security Cameras or Alarms

Having security cameras in or around your home is an effective way to deter criminals from breaking into your home. After all, if they do, it’ll be much easier to track them down if they attempt to flee the scene because you’ll have a detailed image of them on camera. You may also be eligible for certain discounts on your home insurance if you do have either security alarms or cameras. Talk to you one of our experienced agents for details on this.

Remove Your Spare Key

We’ve all tried to think of clever places to hide our spare keys. It may just be easier to remove that worry from your mind altogether by removing your spare key or entrusting it to a friend or neighbor while you’re gone.

Unplug All Appliances

To prevent fires or possible power surges, consider unplugging all of your electronics and/or appliances while you’re away from home. Be sure to test your smoke alarms and carbon monoxide alarms and make sure they are functioning properly before you go on vacation. Although accidental fire is covered under your home insurance policy, it’s best to avoid that headache in the first place by having a fire extinguisher easily accessible.

 

Have you ever been curious about what it would take to increase the value of your home? There are several steps you can take to make your home more valuable. Not everyone will have the same reasons for doing this and that’s okay. Whether you are planning to add little ones to your family, having a family member move in with you, or just want to simply do something that will add some extra value to your home for resale purposes, there are several steps you can take to do just that.

Make It More Attractive

One of the best ways to have your house get more attention from potential buyers is by making it catch the eyes of people who drive by. Whether it’s beautiful landscaping with blossoming flower bushes, or a freshly painted front door, your house will get more attention if you take the time to improve its exterior.

Two of the most used rooms in a house are the kitchen and the bathroom. Therefore, it would be wise to put in the necessary time to make these two places look as attractive as possible. You don’t have to break the bank for a remodel either. On average, basic kitchen remodels recover 81% of its cost in added value while more elaborate ones that have stone countertops, state-of-art appliances, and custom cabinets recuperate 53%.

It’s a similar story when it comes to remodeling bathrooms. If you’re putting in new flooring and updating some fixtures, as opposed to mustering up cash for a more upscale remodel, if you’re more concerned about getting a better return on your investment, it’s best to take the conservative approach with the remodel. Heated floors, custom cabinets, and designer fixtures have a 56% return on investment as opposed to 70% for a midrange remodel.

Make It Low Maintenance

If you want potential buyers to be excited about the prospect of owning your home, consider making repairs to the property to take that burden off of them. By doing this, you may be justifying that potentially higher listing price.

In addition to replacing old water heaters or air conditioning systems, consider replacing the carpet floors with hardwood flooring. If you don’t want to replace the floors with hardwood, a composite material is easier to maintain and clean than carpet. It’s also cheaper.

Make It More Efficient

Depending on the area in which you live, updating your home to make it more energy-efficient may prove to be a wise choice if you’re looking to sell.

Consider double-paned windows, enhanced attic insulation, LED lighting and energy-efficient appliances in order to increase your home’s value. This could also prove as an effective way to make your home more attractive to energy-conscious buyers.

Solar Panels tend to prove effective in the long run when it comes to increasing the value of a home. However, if you’re looking for a quick boost in sale price, you may want to choose not to proceed with installing solar panels since they tend to be more costly. Additionally, installing them can be challenging.

Make It Bigger

Increase your square footage. It tends to have an enormous positive impact on a home’s value. Converting a room you’re not using into an additional bedroom or finishing a basement or building a deck are all good ways toad value to your home.

Make It Smarter

Everyone wants to feel safe inside their homes, especially those who have small children. Devices such as thermostats, smoke detectors, carbon monoxide detectors, security cameras, door locks, and enhanced lighting all help to make homeowners feel safer.

Although having these devices inside your home may not add value in terms of cash, it does make your home more attractive to potential buyers. Installing these devices is also a lot cheaper than replacing a roof or renovating a bathroom.

 

 

 

 

Are you planning a family road trip? It’s great to have the opportunity to get away with family. But, unfortunately, we can’t always prevent accidents from happening. Before hitting the road, there are several important points about how auto insurance works that you should be aware of. By understanding how auto insurance works, you will also be able to make sure your auto insurance coverage is sufficient.

If You are Taking Your Own Car

If you plan to take a road trip with family or friends and you plan to use your own car, there are a few things you should know: First, always understand that the auto insurance policy follows the car. That means that if you allow your friend Johnny to drive your car during your journey on the road and Johnny gets into an at-fault accident, it will not be Johnny’s auto insurance that kicks in to cover any damages to your car or the car of the other party. Your insurance will pay for the damages. And, depending on how severe the damages are, you may be forced to fork up some cash out of your own pocket if your policy’s limits are exhausted.

Also, each state is going to have different requirements related to auto insurance coverages and the minimum amounts of coverage you will need to have from a legal standpoint. For example, Maryland’s auto insurance limits are: $30,000 minimum per person/$60,000 minimum per accident/$15,000 minimum for property damage. Uninsured Motorist Bodily Injury Coverage is $30,000 minimum per person and $60,000 per accident. To compare, New York’s state limit requirements are: $25,000 for Bodily Injury per person, $50,000 if one person is killed in an accident, $50,000 for bodily injury and $100,000 if two people are killed in an auto accident. Property Damage limits are $10,000. If you have an auto insurance policy in one state and get into an accident in another state, your auto insurance company will bump up your limits to that of the other state’s. Be careful not to disqualify yourself from this policy by doing something that is deemed unlawful i.e. driving will intoxicated.

If You Are Renting a Car

If you have comprehensive coverage for a vehicle that is listed on your auto policy, the cost of a rental car is covered in the event of a covered comprehensive loss. This coverage is $20 per day/$900 per loss in Maryland, in Virginia, the coverage limit is $600, and $15 per day or $450 per loss in North Carolina.

Driving to Mexico

If you drive to Mexico, understand that rental cars purchased in the United States are not covered once you cross the border into Mexico. However, if you are driving a car that you own yourself, collision coverage will apply in the event of an accident. Rental cars that are obtained in the United States are not covered overseas.

 

Driving in the rain can be tricky, and if you’re not careful, could put you in a dangerous situation. Rainy conditions directly correlate with higher numbers of auto accidents. Understanding that these conditions can affect your ability to safely operate your vehicle can help you to drive more safely.

If Possible, Wait for the Weather to Improve

If you do not feel comfortable driving in the rain and can delay your commute until the weather improves, do it. It’s not worth putting yourself in danger if it is not necessary to drive in wet conditions.

Double Check Your Car’s Equipment

You always want the equipment in your car to be functioning properly, especially in rainy conditions. Before taking your commute, inspect your headlights, tail lights, and windshield wipers to make sure they are working properly. The tread on your tires should also be in good condition. If your tires are worn down, you are at much higher risk of hydroplaning and losing control of your vehicle.

Slow Down

Following the speed limit is always a good idea when you’re driving. In wet conditions, it’s actually not a bad idea to slow down because your visibility may be impaired when it’s raining heavily and there may be excess water on road surfaces, making it more difficult to come to a complete stop when you need to.

Turn on Your Headlights

Again, visibility is always important, especially in rainy conditions. Not only will you be able to see better, but other cars around you will be able to see you and react accordingly.

Use Your Windshield Wipers

It’s important to use your windshield wipers when it’s raining. Using them will greatly improve your visibility. In addition to windshield wipers, there are several other products you can use to combat the rain from impairing your vision when you’re behind the wheel. Certain sprays can be applied to your windshield that will allow the water to bounce off of the glass. Still, even when using these products, it is recommended that you still use your windshield wipers.

Maintain a Safe Distance Between Cars

Because it will take you longer to come to a complete stop in rainy weather because excess water can lift your tires off of the road surface, it is important to keep a safe distance between your car and the vehicle in front of you. If you see large puddles of water on the road surface, consider changing lanes to move around them. As always, be aware of other cars around and always use your turn signal.

Avoid Heavy Braking

It is not recommended that you use cruise control when you are driving in wet conditions. This may seem obvious, but it is important to maintain your focus and attention on your need to brake when you need to and accelerate when the time calls for it. Always pay attention to the road in front of you and minimize distractions.

Watch Out for Standing Water

Standing Water can present a danger to you and others. It’s best to avoid standing water when you can. It can grab your tires and cause you to hydroplane, thus possibly making you lose control of your vehicle. As mentioned earlier, be on the lookout for other cars around you and use your turn signal and side mirrors to notify cars that you intend to change lanes and you can see if you have enough distance between you to move to another lane.

Let Off the Gas When Hydroplaning

It is not uncommon to hydroplane in rainy weather conditions. If this does happen to you, stay calm and gently take your foot off of the accelerator. Steer your car in the direction the front of your car needs to go in. Don’t make any sudden turns and don’t brake hard.

Ventilate Your Car

When it rains, humidity levels tend to increase. Because of this, you may notice your windshield and windows start to fog. To combat this and improve your visibility, turn on your car’s ventilation system. As always, if it’s raining very heavily to the point where you can’t see, consider pulling over to the side of the road and wait for weather conditions to improve before moving on.

 

 

Becoming a parent is one of the most rewarding experiences a person can have in their lifetime. As a parent, wouldn’t you do anything and everything you could to protect your child? Children don’t understand the potential dangers of everyday living, so it’s up to parents to teach them and protect them. Of course, we can’t be with our children every second of every day. For example, when they are in school playing basketball with their friends at recess, it’s possible they may fall and scrape their knee. We can’t have our eyes on them all the time, but we can console them and comfort them when they get injured.

Unlike young children, babies are completely dependent upon their parents. Everything from feeding to clothing to helping them walk, parents need to always be there. Driving with them in the car is no different.

If you want to keep your little ones safe in the car while you’re driving, you’ll want to pay attention to a few important steps:

1. Choose the Right Car Seat for Your Child

Not all car seats are created equal. Nor do all car seats fit in every car. Depending on the age of your child, you’ll want to choose a car seat that keeps your child secure when you’re on the road.

1. Don’t Give Toys or Food to Your Baby in the Car

It’s important to remain as safe as possible while you’re driving. It’s a good idea to avoid having loose objects in the car while you’re driving. If your baby is craving attention, it’s best to pull over somewhere safely to give your baby the care he or she needs. Loose toys could cause injuries.

1. Register Your Car Seat

Just as is the case with car manufacturers recalling their vehicles in the event of a malfunction, car seat manufacturers may tr to notify you of a potential problem they’ve found with their product. An effective way of becoming aware of these product issues is by registering your car seat with the manufacturer. When you do that, if the manufacturer finds a problem, they will notify you by mail.

1. Install a mirror

A rearview mirror can be small and can leave your vision limited in the event of an emergency. Consider installing a mirror in your backseat, so you can keep a better eye on your little one. You will gain better peace of mind knowing your child is safe because you’ll be able to watch them more closely.

1. Have the Car Seat’s Installation Checked

If you are not confident your car seat is installed properly, consider having it checked. It’s better to be safe than sorry. There are many public safety departments that offer free installation and safety checks.

1. Make Sure that Seat Belts are Positioned Properly

Shoulder straps should be positioned at or slightly below the shoulders. The clip should be positioned at about the height of the armpit.

1. Be Sure That You Car Seat Isn’t Damaged or Expired

Yes, car seats do come with expiration dates. Read your owner’s manual to find the date of when your product was manufactured. You car seat should be replaced at least every six years from the date the car seat was manufactured. Regularly inspect your car seat to check for cracks or breaks or visible defects.

1. Have Your Baby Face the Rear of Your Vehicle For As Long As PossibleThe American Academy of Pediatrics recommends that all children face the rear of your vehicle at least until they reach the age of two. Another determining factor could be when your child reaches the maximum height and weight that is listed on the car seat. Make sure to pay close attention to that.

Have you ever wondered why your auto insurance rate increased? You probably are not alone in your curiosity. There are several factors that may affect your how much you pay for your auto insurance.

1. State Requirements

Depending on where you live in the country, the amount you are required to pay for your auto insurance may differ. Each individual state may have certain requirements it deems necessary that would ultimately affect your auto insurance rate. Additionally, if you elect to buy more coverage than what is deemed the bare minimum legally, you will probably end up paying more.

1. Age

One way auto insurance companies determine what they charge for auto insurance is your age. Because young drivers are far less experienced behind the wheel, insurance companies assume that they will be more likely to get into accidents. Once a driver turns 25, their rates begin to decrease. One the other side of the coin, seniors (those 65 years of age or older) are, oftentimes, charge a higher rate for their insurance because they may have slower reaction times or worsening vision, etc. Additionally, seniors are more likely to become injured if they are involved in an auto collision.

1. Car Make and Model

If you bought a more expensive car, you are more likely to pay more to insure it. Cars like BMWs or Ferraris are made overseas and are then shipped to the U.S. Because of this, less of these cars are made. Therefore, insurance companies increase the prices to insure these types of vehicles.

1. High-Risk Violations

Your driving record ultimately affects how much you will end up paying for your auto insurance. If you are a safer driver with less claims on your policy, your insurance company will take note of this and provide you with a lower rate. If you tend to be a more aggressive driver who gets speeding tickets or gets involved in a lot of accidents, your insurance company will see you as a high-risk driver. High-Risk drivers pay more for their insurance than safe drivers do.

1. Yearly Mileage

The more distance you drive, the more you will end up paying for your auto insurance. Insurance companies consider how often you are on the road when determining your insurance rate. Longer periods of time on the road may mean longer distances traveled. The more amount of time you spend on the road, the higher chance you may become involved in an auto collision. If your commutes tend to be on the shorter side, you may likely pay less for your policy.

1. Credit History

If you have poor credit, insurance companies may charge you more for your insurance. If you live in a state that is not either California, Massachusetts, or Hawaii, your insurance company will take your credit history into account when determining your insurance rate. If you have a great credit score, you may be able to save some money on your insurance.

 

1. Driving Record

Drivers with good driving records can pay up to as much as 40% less for their auto insurance than drivers with bad records. This is due to the fact that a lot of insurance companies offer discounts for safe driving. Keep in mind that if you file a lot of claims through your insurance company, regardless of whether or not you were at-fault in the accident, your rates may increase significantly. If you are involved in an accident, do not be surprised if your insurance rate jumps up for the next 3 to 5 years. If you have more experience behind the wheel, you may end up paying less for your insurance. For example, new drivers older than 25 tend to pay more than their peers who have had many years of driving experience.

1. Zip Code

Where you live may affect your insurance rate. People who live in cities that have higher crime rates statistically or heavy traffic areas tend to be charged more for their insurance. Because rural areas tend to be far less congested, the people who live in these areas likely will be paying less for their insurance policies.

1. Marital Status

If you are married, you are in luck! Insurance companies look at married couples are the least risky drivers to insure! Compared to other drivers, married couples are involved in 50% less accidents! Do not wait to let your insurance company know if you are married! You could safe yourself some money!

1. Gender

Believe it or not, in most states, it is not against the law to discriminate by gender. Statistically speaking, men under 25 pay the most for their auto insurance (about 15% more than their female counterparts). Once individuals reach the age of 30, insurance rates tend to become more similar.

 

So, you have just passed your driver’s test and gotten your driver’s license! Congratulations! You have taken an important step towards gaining your independence and becoming an adult. While this is a great accomplishment, it is important to keep in mind that you should approach your newly found freedom responsibly and carefully. When you are behind the wheel, your actions affect not only yourself, but other drivers on the road.

It is extremely important to obey all traffic laws. Traffic laws are in place to keep yourself and others safe on the roads.

Slow down!

Montgomery County in Maryland has a lot of speed cameras. If you do not want your speeding tickets to be mounting, seriously consider slowing down while you are driving. Additionally, slowing down will afford you more time to react in case something unexpected occurs.

Keep Your Car In Good Running Shape

The better condition you keep your car in, the longer it is going to perform at a high level for you. Changing the oil regularly and getting other regular maintenance checkups for your vehicle can prolong its life. In addition to oil changes, rotating your tires and checking fluid levels are extremely important.

Wear Your Seat Belt

Not wearing your seat belt when you are driving your car is against the law. Passengers should also wear their seat belts at all times. This will help prevent potential injuries or death. Statistics show that, when it came to fatal accidents, 56% of teens were not wearing their seat belt at the time of the accident. Please buckle your seat belts.

Avoid Distractions

Having your eyes anywhere other than on the road is a recipe for disaster when you are operating a motor vehicle. Do not text and drive, do not play games on your phone, do not try to change the radio station. If you have other passengers in your car, make sure they are not horsing around in the back seat. It only takes seconds for something bad to happen. If you are paying attention, you have a better chance of avoiding a dangerous situation.

Adjust Your Accessories

Really, this should be done before you actually start driving your vehicle. Adjusting your seat to a comfortable position and adjusting your mirrors are actions you need to take to ensure that your visibility is good. You need to be able to see where other cars are around you.

Don’t Tailgate

If you do not create enough distance between your car and the vehicle in front of you, there is a higher chance of having a rear-end collision if the car in front puts the brakes on. For every ten miles per hour, make sure you are at least one car length behind the one in front of you. This should afford you enough time to come to a complete stop when you need to.

Be Prepared

Always have your important documents stored in your car. That way, in the event of an emergency, you will have what you need when the time arises.

Be Mindful of the Weather

Always pay attention to the weather forecast. Rain and snow and ice can present dangerous driving conditions. If the roads are wet, slow down. You do not want your car to hydroplane. This happens when your tire is lifted off of the road surface by water.

Do not drive under the influence

Driving while drinking or under the influence of drugs is not safe. It is also against the law.

The more you practice safe driving techniques, the better overall driver you will be.

On April 1^st, Governor Larry Hogan proclaimed the month of April as Maryland’s Flood Awareness Month. And for good reason. Each year, floods are responsible for more deaths than any other natural disaster.

As it is predicted that storms are going to increase in both frequency and intensity over time, the necessity and importance of obtaining flood insurance is becoming even more essential.

Governor Hogan’s Administration is joining forces with the Maryland Department of the Environment, the Maryland Emergency Management Agency, the Maryland Insurance Administration, the Maryland Department of Planning, the Maryland Department of Natural Resources, the Maryland Department of Transportation, the Maryland Environmental Service, the Eastern Shore Land Conservancy, and the Maryland Association of Floodplain and Stormwater Managers in an effort to encourage residents of Maryland to learn more about the various flood hazards they could face.

Maryland’s bays and tributaries are subject to flooding after either short periods of heavy rain or prolonged steady rain. Additionally, hurricanes and tropical storms can cause tidal flooding.

Flood Insurance is offered through the National Flood Insurance Program (NFIP), not specifically though any particular insurance carrier or provider. Most homeowners insurance policies do not cover flood insurance; it needs to be purchased separately. It is important to note that flood insurance policies can be purchased from an insurance carrier under contract with FEMA.

You may be wondering what exactly is covered under a flood insurance policy. If disaster strikes and your home is flooded, it can help cover: your home and its foundation, your electrical and plumbing systems, air conditioning equipment, furnaces and heaters, appliances i.e. washers and dryers, refrigerators and stoves. It can also cover damage to your personal possessions like your clothing, furniture and electronic equipment. Under a typical flood insurance policy, your personal property is only covered on an actual cash value basis. The maximum coverage amount for a flood insurance policy is $250,000 for the structure of the home and $100,000 for the contents of the home.

When you buy a flood insurance policy, it is also important to remember that there is a waiting period of 30 days before your flood policy takes effect. Do not wait until you need it to get it.

Without a flood insurance policy, relief from damage caused by flooding usually comes in the form of loans. If your area is deemed a disaster area, the federal government may provide no-interest or low-interest loans as an effort to assist in the recovery process. You are still responsible for paying these loans back out of your own pocket. Having a flood insurance policy in place just in case a disaster strikes could protect you against possible financial ruin.

As stated earlier, there is a waiting period of 30 days before a flood insurance policy goes into effect, so it is best to get the ball rolling towards obtaining a policy sooner rather than later.

 

 

When it comes to medical questions and emergencies, who is that we turn to for answers? Who is it that we turn to for the reassurance we so desperately need that everything is going to be okay? Doctors. Doctors are the ones on the frontlines when it comes to protecting us from and educating us about illnesses and various medical conditions. With the outbreak of the Coronavirus last year, several have had their lives upended. From having businesses close, to people losing their jobs, to tragically losing loved ones, COVID-19 has certainly made life more challenging. Thankfully, we’ve had doctors to help those who have fallen ill. Today is Doctors’ Day, a day where we show our appreciation for physicians all across the country who help save lives every day.

Little was known about this particular virus for a long time. A rush to find effective vaccines to combat the virus were implemented almost immediately. Thanks to the courageous efforts of scientists, researchers, and doctors, vaccines were and still are being distributed to people all over the country.

Doctors’ Day was first observed all the way back in 1933, in Winder, Georgia. It was originally meant to honor the efforts of Dr. Crawford W. Long, the first doctor to use ether anesthesia on a patient.

Doctors’ Day has been observed every year on March 30^th, dating back to 1933. It was celebrated for many years before it became a legal holiday on March 30, 1958, when the U.S. House of Representatives adopted a resolution that commemorates Doctors’ Day and on October 30, 1990, President Bush signed the legislature after it was approved by both the House and the Senate.

Other countries around the world have been celebrating the achievements of medical professionals and advancements in medical technology, science, and care for a long time. For example, Spain, Cuba, and Argentina all celebrate on December 3^rd in order to pay respects to Dr. Carlos Juan Finlay, who was responsible for identifying mosquitos as the root cause of yellow fever.

We are extremely thankful for all of the doctors, surgeons, nurses, and physicians who work tirelessly every day to keep all of us safe!

 

Winter weather has the potential to cause serious damage to our lawns. Frigid temperatures reek havoc on grass, plants, and flowers. With spring comes warmer weather and conditions in which lawns and foliage can really flourish if properly tended to. Caring for your lawn in spring is not difficult and regular attention to your lawn may prove to be exactly what your lawn needs in order to be in tip-top shape throughout the season. Your lawn may just end up being the envy of the neighborhood.

If you want to have an immaculate lawn for spring, follow these easy, important steps:

Tune up your lawn mower: Everything from changing the oil, air filter and spark plug, making sure that your mower is clean will ensure that it is functioning properly.

Spend some time raking: When it comes to preparing your lawn for new growth, the first step you should take is to rake. Raking helps break up something called thatch: the layer of dead turfgrass lying between the healthy vegetation of the grass above and the root system and soil underneath. If this layer becomes too thick, it can pose problems for your grass.

In addition to raking in the fall, do not become complacent and ignore your lawn in the spring time. In fact, because winter weather can cause so many damage to your lawn, it is especially important to rake in the spring in order to remove all of the dead blades of grass from the winter. Another benefit of raking is that it may help to prevent something snow mold, which is a lawn disease that makes it extremely difficult for new, healthy grass to penetrate the diseased areas. Raking can fix this.

Get a Lawn Aerator. A lawn aerator creates openings in the turf which allows both water and air to get through the soil and reach the grassroots. It is important to note that spring may not be the ideal time to do this because aeration holes provide a perfect opportunity for weeds to grow. You don’t want to spend your spring cleaning up all of those weeds that could potentially damage your lawn.

Assess your Soil

Grass likes a neutral pH level. So, if you ever see moss coating the ground, it may be a sign of acidic soil which can be neutralized by adding ground limestone. This process does take some time as the liming holds gradually.

Overseeding

If your lawn has a lot of bare patches due to consistent heavy traffic, it may be in need of grass seed. Grass seed will help your grass grow more efficiently. Once you pour seed over existing grass, apply a slow-release nitrogen fertilizer. Once the grass germinates (typically after 5 weeks), apply quick-release nitrogen fertilizer.

Fertilize

Although it is important to fertilize, you want to be careful when you do it. Too much fertilizer in spring may lead to disease and problems with weeds. Many lawn experts recommend a lighter feeding in the spring and a heavier feed in the fall.

Apply Postemergent Herbicides (Or Pull Weeds)

If you do not want to spend a lot of time and energy pulling weeds, consider applying a postemergent herbicide to kill your weeds. It is more effective to use one for broadleaf weeds. Do this in the fall rather than the spring. However, reaching down to the root of the problem by weeding may prove to be more effective long-term.

 

 

The COVID-19 pandemic has been doing its best to uproot any semblance of normality in our everyday lives. As the weather gets warmer, all of us have an opportunity to get outside and enjoy the fresh air and the wonders of mother nature: the hot sun illuminating the sky and warming our bodies. It is up to us to take advantage of the nice weather and remove ourselves from the confines of our homes that have become something we so desperately want to escape from. If you want to appreciate what mother nature has to offer in spring, here are some ways you can get into better shape while being outdoors.

1. Instead of using a treadmill, step outside and go for a jog in the park.

Working out indoors using a treadmill was found to be less enjoyable than moving the workout outside. Get outside and enjoy the fresh air!

2. Join a sports league.

The pandemic may have some of us feeling extremely isolated. With warm weather comes the start of intramural sports leagues that provide people with an opportunity to exercise, but even more importantly, human beings are social creatures and long to be around others. This is natural. Sports leagues provide that much needed chance to be around our peers and socialize. From these social events could come life-long friendships.

3. Ride Your Bike to Work

This one is greatly going to depend on where you live and how far your commute is, but choosing to ride your bike to work instead of driving is a great way to get some exercise in. We all have busy schedules and busy lives and this could be an opportunity for us to improve our overall health. If you find that your commute to work is too long for you to use a bike, you can still find paths around your area that may be suitable for your needs.

4. Become a Volunteer

Are you interested in helping to build houses? Or maybe you love dogs and would love an opportunity to be a dog walker at an animal shelter nearby. Whatever your interests, all it takes is a little proactiveness and research to find great volunteer opportunities in your area. Not only will you be helping people in your community, you will probably feel great about doing something in service of someone else.

5.Go to the beach

Did you know that it takes more energy to run on a beach than it does to run on a track? Don’t let this deter you. Swimming in the ocean is another great way to get some exercise while enjoying the sunlight. It may also be possible to join a beach volleyball team. Especially during these trying times, this is a great way to break away from feelings of isolation and to finally become social again.

6.Find an Outdoor Fitness Class

Not everyone is going to take a liking to following YouTube exercise videos at home. Typically, you are by yourself and the whole idea here is to get outside and finally enjoy the nice weather. Whether it is yoga or pilates you are into, or maybe it is something else, call up a friend and sign up for an outdoor exercise class

7.Just get outside

Step outside and look around. Do you enjoy going to the park? If you find a park bench, use it to practice your push-ups. You can also practice stretching. You do not necessarily need weights or expensive exercise equipment to get into the best shape of your life. Get creative. You can do it!

 

Are you the type of person who has a car filled with clutter? Maybe you have items scattered all over your car in different areas. Or maybe you have a trunk filled with items it would take you a week to organize. In the event of an emergency, there are a number of essential items you will want to have stored in your car. What are they?

You can buy various emergency kits that contain different items. Here’s what we recommend in terms of what you should keep in your car in case something unexpected happens that leaves you stranded.

• Spare tire
• Tire inflater & sealer
• Jumper cables
• Your car’s owner’s manual
• A tire pressure gauge
• Repair contact information

Not everyone is going to face the same challenges when it comes to their car. If you are the type of person that spends a considerable amount of time in your car, your needs may be slightly different from others. If you think you fall into this category, consider keeping the following items in your car just in case disaster strikes.

Safety Supplies: First-Aid Kit, Flashlight, Matches (or another tool you can use to start a fire)

Energy bars or MREs – energy bars are great to give you a quick boost if you have been stranded for a while. We understand you most likely are not going to find yourself in a military situation, but MREs (meals ready to eat) only need hot water to be ready for your consumption. If you are facing dire straits, these are an option for you.

Water bottles – It is recommended that men drink about15.5 cups of water every day (3.7 liters). It is recommended that women drink about 11.5 cups of water per day (2.7 liters). When it comes to storing water in your car, be careful not to store water in plastic bottles in hot temperatures as the chemicals in the plastic may seep into the water leaving it unsafe to drink. Glass bottles or gallon jugs are a better option.

For Winter Emergencies

• Ice scraper
• Blanket

In addition to the items mentioned above, you may consider keeping these other items handy:

• Paper towels
• Tissues
• Pen and notepad
• Umbrella
• Emergency cash
• A change of clothes
• Masks
• Hand sanitizer
• A portable phone charger

Emergencies can occur at a moment’s notice and it is important to be prepared.

 

 

 

Winter has the potential to cause significant damage to your home if you do not take certain necessary preventative steps. Everything from leaks to fallen trees to damaged siding, it can become expensive to cover the costs of repairs to your home. What about frozen pipes? Frozen pipes are one concern. What really causes heads to roll is if they burst! Here’s what you can and should do to prevent your pipes from freezing.

Insulation is probably one of your most effective ways to protecting your pipes from the possibility of freezing. When it comes to insulation, you have several options. First, you can wrap your pipes with a foam covering; Polyethylene is an effective material to use. Insulating your pipes is a good idea, even if your area is not often the host of hard freeze conditions. It is better to be safe than sorry. Apart from using foam coverings, you can also wrap your pipes in heat tape or heat cables using a thermostat control. Do not install any insulation without first reading the directions from the manufacturer.

Cold air has a tendency to sneak its way through cracks and crevices. It is important that you seal off these areas with a good caulk. This is especially important to do in areas where pipes run from inside to outside your home like dryer vents or water pipes.

If colder temperatures begin to settle in, an effective way of preventing your pipes from freezing is by maintaining a slight drip from your faucets in your kitchen, bath, and laundry room.

If you are going to be away from your home for any significant amount of time, it is best to inform a trusted neighbor so they have the chance to check-in on your home, reassuring you that no pipes have burst in your absence.

If you suspect frozen pipes in your home, turn on our faucets. If you only see a very gentle drip, you may have a frozen pipe. Inspect your water supply lines, paying attention to any really cold areas. Do this carefully, so you do not miss any areas that may have breakage. If, during your inspection, you see broken or burst pipes, call a professional plumber immediately.

If you want to thaw your frozen pipes, open the faucet of the particular pipe. The flow of water will help the water melt more quickly.

If you have pipes that are exposed, wrap them in a heated pad and turn the temperature up. Take a hair dryer, turn it to the high setting, and move the hot air back and forth around the pipe. Another way to combat frozen pipes is to wrap them in heated, wet towels. These would need to changed frequently because they tend to lose heat rapidly. Finally, place a space heater close to the area of the frozen pipe. Once the pipes are thawed and the water pressure returns to normal, you can remove it.

 

We live in a day and age where the cars we drive have state-of-the-art cooling systems that allow for engines to maintain a safe temperature, so the car can perform at its highest level in any situation. However, there are instances when your vehicle may overheat. If you would like to learn how to prevent overheating or how to fix an overheating problem, please read on…

There are several reasons why an engine would overheat. Usually, this happens when there is a problem with the vehicle’s cooling system that does not allow heat to leave the engine compartment. More often than not, this is due to a leak or blockage somewhere within the cooling system or other components of the car.

Over time, parts of your car are going to suffer wear and tear. Rubber hoses, gaskets, and water pumps can leak. When this happens, your car’s cooling system may be affected. Also, if you have a consistent long commute for work every morning, eventually, the stop=and-go traffic has the potential put very serious strain on your car’s cooling system. This is why it is so important to have regular maintenance check-ups conducted by an experienced professional who knows what to look for.

When you are driving, it is extremely important to pay attention to any alerts your car may be giving you. If you see lights flashing or any indicators being illuminated, get to a repair shop as soon as possible. Putting this off could spell disaster for your wallet.

So, what should you look for to know if your car is overheating? Again, if any of these problems are occurring, seek professional maintenance assistance immediately:

If you any steam coming from underneath the hood of your car.

The temperature gauge for your engine is reaching “H” or is moving into the red area of the gauge.

If you smell any strong odors coming from the front of the car, get to a maintenance shop as soon as you can.

To combat the effects of overheating, it is a good idea to have some essential items on hand:

• Tool kit
• A few quarts of oil
• At least 1 gallon of coolant
• Towel
• Gloves

If your car is overheating, take these next steps:

Turning off the heater will potentially lower the temperature of your engine. If you see the warning light turning off or if the temperature gauge goes back to neutral, you should be okay.

Pull over. If you are driving along and your car starts to overheat, it is best to pull over to the side of the road and turn off the engine to give it time to cool. If you have the towing option on your Erie Insurance auto policy, you can contact their roadside assistance to come help you. Their number is 1-800-367-3743. You will want to select OPTION 2.

Be patient. If you do not have roadside assistance, it is best to stay calm and wait at least 15 minutes for the engine to cool. It is possible that the engine coolant has reached a scorching temperature, so please do not attempt to open the hood at this time.

Add coolant. Before you add coolant, please make sure you are wearing some heavy-duty gloves. You will want to unscrew the reservoir cap and, using a funnel, gently pour the coolant into the hole of the funnel. Using a funnel allows you to control how much coolant you are adding and prevents a mess.

Drive your car to a service station. Coolant does not directly address the problem you may be having with your car if it is overheating, but it may buy you enough time to get to a service station to have it looked at. A professional will be able to tell you exactly what is wrong with your car and what needs to be done to fix the problem.

 

 

 

 

 

There is nothing we can do to stop the ebbs and flows of life. Nor should we focus our energy on trying to do so. It is simply a losing cause. If we take a different approach and take the time to appreciate how each day is different, chances are that we will be much happier. Ebb and flow is defined as a recurrent or rhymical pattern of coming and going or decline and growth. As the seasons change, it is our responsibility as home owners to protect and preserve our homes. After all, our homes are a great investment. Since there is nothing we can do to stop the seasons from changing, we need to take a proactive approach to that preservation. Winter, oftentimes, brings the most destruction to homes. Everything from frozen pipes bursting, to flooded basements, to leaking ceilings, if we do not take the necessary preventative steps, we can find ourselves in a serious financial dilemma. Thankfully, spring is far more forgiving. The weather is actually beautiful with lots of radiant sunshine and clear skies. Yes, we do run into those rainy days, but we are not at risk of having our plants freeze to death. Here are a number of steps we can take to protect our home during spring.

Clean Your Gutters: When your drains are clogged, you leave your home at risk of being damaged by excess water, leaks, and flooding. Make sure your downspouts are positioned in such a way to drain away from your home’s foundation. All debris like leaves, grass, dirt, mulch, etc. should be cleared out of the gutters and downspouts.

Inspect Your Roof: Having a healthy roof is essential to preserve your own personal sanctuary that is your home. It is what protects your home from nature’s elements. When you are inspecting your roof, you want to look for any loose shingles or tiles and any cracking. An old, worn roof could spell disaster if not attended to swiftly and properly. If you do not feel comfortable inspecting the higher areas of your roof (generally, these are areas you are not able to inspect properly from the ground), it is a good idea to hire a licensed roofer who possesses the knowledge and skill to return your roof to its pristine condition.

Check Seals Around Windows and Doors: Cold weather can cause the areas around your windows to loosen and/or crack. To prevent further damage, use caulk to seal off your windows. Not all caulk is created equal, so make sure you are using what is going to most effective given the elements. For example, for your exterior windows, you should use a caulk strong enough to withstand harsh sun rays, water, and changing temperatures. The tube of caulk should tell you if it is meant for exterior surfaces. For your interior windows, use a caulk that does not contain harmful fumes. This kind of caulk should hold paint well. For your rooms that may get humid (bathrooms), you will want to use a caulk that is both waterproof and mold-resistant. It is important to note that you should never caulk over old caulk. If caulk has hardened, scrape it off with a steel putty knife and then apply the new caulk.

Service Your Home’s Cooling System: : Life without air conditioning can be rough. Consider having your home’s cooling system checked at least one month prior to the start of summer.

Check Smoke Detector Batteries: Actually, this is a step that should be taken not only during spring. It should be a year-round routine. Check the batteries of all of your smoke detectors to make sure they are functioning properly. This could mean the difference between life and death. Do not take that chance.

Spring Cleaning for the Disposal: When was the last time you thought about cleaning your garbage disposal? To do this, feed a tray of ice cubes through it while running cold water.

 

We all take risks every single day. Some of those risks, like driving, may be unavoidable. What can we do to ensure our own safety as well as the safety of others around us while we are behind the wheel? We can practice something called defensive driving.

What is defensive driving?

Defensive Driving is a set of skills one has to defend themselves from possible collisions with other vehicles on the road. Whether caused by bad drivers, drunk drivers, or hazardous weather conditions, there are several steps one can take to make sure they remain safe while on the road.

Give yourself extra time to reach your destination: It does not matter where you are going. While we cannot control the weather, we can take it upon ourselves to anticipate poor weather conditions by paying attention to weather forecasts, so we can make an informed, educated decision about how to proceed with our days. For example, if you know you are going to have an important appointment with your doctor, you can be proactive in finding out what the weather is going to be like that day and plan accordingly. If weather conditions are going to be rainy or icy, it would be a good idea to leave earlier for your appointment, so you do not feel rushed. Stress can lead you to make poor choices while behind the wheel. Road rage is not your friend. Aggressive driving is what we are trying to avoid.

Be able to control your speed on the road: As mentioned earlier, road rage is not your friend. Stay calm and focused while you are operating a motor vehicle. Not only will you be keeping yourself safer, but you will also be protecting other drivers around you. If you have a long commute with long stretches of road in front of you, consider using your cruise-control option in your car. This will allow you to conserve your energy and maintain your focus on what is in front of you.

Be prepared to react to other drivers: This is important. While we cannot control other drivers on the road, we can help protect ourselves by anticipating actions of other drivers. In order to protect yourself, maintain a safe distance between yourself and the car in front of you. Stay in your lane. If you are able to maintain a safe speed and a safe distance, you should be able to give yourself ample time to react should another driver do something. Because you have taken steps to anticipate bad driving techniques, you will avoid a collision and a potential insurance claim.

Do not expect other drivers to do what you think he or she should do: As stated before, ways to keep yourself safe are to maintain a safe distance between yourself and the car in front of you. Giving yourself that safe distance will buy you more time to react to a bad driver. If another driver is texting while driving, because you have maintained a safe speed and distance, it will not matter that they are not paying attention to the road. You will avoid a collision.

Use proper etiquette and driving techniques while on the road: We all learn how to properly operate a motor vehicle when we take our driver’s test. We all have to pass it before we get our learner’s permit. That is not to say that once you get your learner’s permit, you are suddenly an expert driver. We should all use our turn signals before switching lanes, maintain a safe distance between ourselves and the cars in front of us and around us, and stay calm behind the wheel.

Stay alert and avoid distractions: In most states, it is now against the law to hold your cell phone while driving. Texting while driving is against the law. Some police officers will pull you over just for having your cell phone in your hand. Eating behind the wheel can be another distraction because it, oftentimes, forces you to take at least one hand off of the wheel and your eyes off of the road. Finally, if you are listening to music or the radio, consider leaving the volume level at a place that allows you to hear other cars around you. For example, if a car is honking at you, you will be able to hear it. If a police cruiser or an ambulance needs to pass you, you will be able to hear it and move out of the way.

Defensive Driving is the best way to keep yourself safe while driving. You will be able to protect yourself as well as other drivers around you. And finally, you will be taking preventative measures to keep your insurance rates from increasing. No one wants to have their insurance rates go up or to have their insurance policy canceled altogether.

 

 

 

Taking consistent maintenance steps regularly throughout the year is the best way to avoid a long, tedious, and perhaps, expensive process. Winters can be especially unforgiving when it comes to repairs if you are not mindful of the time it takes to properly maintain your home. Leaving the warning signs unattended may result in some harsh lessons. If you want to avoid costly repairs, it is best to prepare your home for the winter. Here are some steps you can take to protect your home, your wallet, and your sanity.

Check your Gutters and Drainage

Rain always presents a challenge when it comes to keeping your gutters and drains clean and free of clutter. If you take a proactive approach to maintaining your gutters, you will prevent your need to replace them. Additionally, clogged gutters and drains have the potential to lead to roof damage.

When a gutter clogs with leaves and debris, it can cause a strain on your roof. Ice can be particularly troublesome, as it can thaw and strain your gutters. To make sure your gutter is cleaned properly, flush it out with a hose.

Test Your Sump Pump

Testing your sump pump to make sure it is functioning properly can help prevent a basement from flooding or your home’s foundation suffering immense damage. Repairs for these could prove very costly. A properly functioning sump pump, when plugged in, should have a humming sound.

Check Your Window Wells

Natural light coming into your basement is a great way to provide ventilation. Window wells prevent soil from building up on window fixtures.

If the lining along your window wells fail, you leave your home at risk for flooding. A flood inside your home could require costly repairs.

Clean Your Dryer Vents

The lint inside your dryer, if not properly cleaned out, can present a dangerous fire hazard to your home. It is extremely important to regularly clean out your dryer vents to prevent a problem from occurring. Naturally, you will most likely have to do this more often during the colder months, as your dryer will get more use. In addition to preventing a fire from occurring, you will also be improving your energy efficiency.

Check Your Electrical System

The last thing you want to have happen is your electricity failing when it gets really cold! To ensure this does not happen, you should inspect your breaker wire for bad insulation and any discoloration.

If you need any assistance, it is a good idea to hire an experienced electrician to do a thorough inspection for you.

Bleed Your Radiators

This process should be completed every winter. Turn on all of your radiators to the highest temperature possible. Wait a few minutes and then turn of the central heating system to give them time to cool off. Turn off the radiator and open the bleed valve. Place a tray underneath the valve and let the air escape. Any water that escapes will be caught by the tray. Do not be alarmed when you see the water dripping. It is perfectly normal.

Avoid Ice Dams

When temperatures drop to freezing conditions, ice dams can form that prevent melting snow from draining properly. When this happens, you leave your home at risk of leaks in ceilings, insulations, and walls that could prove extremely costly.

Increase ventilation and add insulation in order to regulate the temperature of your roof. Any air leaks should be properly sealed.

Prevent Your Exterior Pipes From Freezing

This might be the most important step you can take to protect your home during the winter months. If a frozen pipe cracks and thaws, it can release hundreds of gallons of water in a single day. This could present a disastrous problem for your home as well as your wallet.

Inspect your pipes for signs of weakness. If you see any moisture on faucets and connectors, it could mean your pipes are nearing their decline and are in need of replacement. Do this as soon as possible to avoid catastrophic damage.

All of your pipes should be properly drained. It does not hurt to check on this a second time a few days later to make sure that all water has fully drained.

To provide extra protection for your exterior pipes, a foam covering is a great way to add some extra insulation.

Prepare for Winter Storms

Winter can bring harsh weather conditions consisting of heavy rain, snow, sleet, and hail. If you have a generator, take the necessary steps to make sure it is functioning properly. It is a good idea to keep back up batteries for flashlights the event of a power outage.

Having a battery-powered radio is a good way to stay informed with regard to changing weather conditions or local emergencies.

 

When we are little, we don’t necessarily spend a lot of your time thinking about maintenance. After all, oftentimes, our parents prepare our meals, help us to bathe, and drive us to get our haircuts. We are not required to think about the idea of maintenance because our parents maintain everything for us. Of course, they could teach us the importance of cleaning our room, brushing our teeth, and keeping an overall organized way of living. But, unless they are proactive in that area, we are left to fend for ourselves. As a result, many of us may not appreciate the importance of maintenance until we are old enough to drive or when we buy our own car.

Nearly every child has dreams of growing up and being independent. It may seem a little ironic because once they reach adulthood, children long for those innocent, childhood years when they could depend on their parents to do everything for them. We’ve all heard the expression, “Ignorance is bliss”. There is a certain sense of pride one feels when they reach the point in their lives when they are able to take care of themselves. A young adult feels that sense of pride when they are handed the keys to their first home or their first car. Once an individual is given the responsibility to live on their own, maintenance may just be one of, if not the most, important parts of their everyday life.

For many, cars are an enormous investment. And although cars depreciate in value overtime, as the owner of a car, one wants to do everything they possibly can to prolong the lifespan of their car. Additionally, keeping up with the maintenance for your car can greatly impact its resale value in a positive way.

Inspect and Maintain Your Tires: Have you ever been driving along on the road and it feels like your car is leaning to one side? If so, one of your tires may have low tire pressure. Ignoring this can cause severe and unnecessary strain on your vehicle’s engine. Always keep an eye on your tires’ pressure levels and adjust them accordingly. When you take your car in to get an oil change, ask the workers to check the tire pressure for all of your tires. They will tell you if you are in good shape or if you need an adjustment.

Change the Oil: It is a common thought that changing your oil every 3,000 miles is sufficient, but, you may be able to extend that time period if you choose a higher-grade oil. Some oils allow your vehicle to perform at a higher level for up to 5,000 miles. When you take your car in to get an oil change, ask about the different types of oil that are available. Also, not every type of oil is going to be suitable for your car. This is generally based on three factors: the oil viscosity, whether to use synthetic or non-synthetic oil, and your car’s mileage. Ask a service team member for assistance if you are unsure.

Check the fluids: To make sure your car keeps running smoothly, you should check:

• Engine oil – lubricates the engine
• Coolant – helps to prevent your car’s engine from overheating
• Power steering fluid – acts as the pass through which power is transferred from the steering wheel to the steering mechanism of the car. Also helps to lubricate and protect all moving parts of the system.
• Brake fluid – keeps your brakes lubricated
• Transmission fluid – lubricates the internal parts of your engine and dissipates heat.

Check the Air Filter:

Remove the air-filter element from your vehicle. To check its condition, hold it up to a strong light. If you can’t see any any light passing through it, it is time to replace it. Having a properly functioning air-filter will increase your car’s fuel efficiency. Additionally, it has been said that changing a clogged air filter has the potential to increase acceleration by 6 to 11 percent on modern fuel-injected cars. Other studies have indicated that doing this can save up to fifteen cents per gallon at the gas pump. Changing your air filter can help reduce emissions as well.

Inspect your Brakes: Unless you are an expert in vehicle maintenance and know exactly what to look for in this area, it is probably best to have an experience professional do a thorough inspection of your cars brake system. They can tell you if it is time to replace them.

Check the Battery: Look closely at the battery’s terminals and cables to ensure they are securely attached. If your battery has removable caps, check its fluid level every few months.

We learn a lot as we get older. How to properly maintain and care for our cars will not only make us more confident in leading a healthy and happy life; it will save us loads of money over time.

We all have moments where we contemplate how to better ourselves as individuals and how to improve our lives. Some of us may struggle with figuring out the best or most effective way to go about doing that. The key is to not spend so much time dwelling on how you’re going to accomplish what you want to. So many of us are told that it’s important to have a plan for our lives and to set goals that help us fulfill those goals. While this is most definitely true, it’s important to realize that getting started is, actually, more important. If we spend all of our time planning, we won’t have any time for executing that plan. So how can we improve our lives and get the most out of each day?

Drink More Water

Drinking a glass of water is the first thing we all should do when we wake up in the morning. Why? It helps regulate digestion, absorption, circulation, creation of saliva, transportation of nutrients, and maintenance of body temperature. If you are ever feeling thirsty, do not ignore that feeling. It’s your body’s way of telling you it needs to be replenished with fluids. In addition to improving digestion and circulation throughout the body, drinking more water will improve your skin. Healthier looking skin will improve your confidence, too!

Eat More Veggies

Vegetables contain essential vitamins and minerals the body needs to perform at its best. Whether you are talking about physical strength or brain function, vitamins and minerals such a vitamin A, C, and E, as well as magnesium, zinc, phosphorous and folic acid help to keep your body and brain in top shape. For potassium, foods such as avocados and sweet potatoes are great sources.

Eat Less Processed Foods

Processed foods contain a lot of artificial ingredients, are high in sugar and fructose corn syrup, refined carbohydrates, and are low in what is good for your body such as vitamins, minerals, and antioxidants. They are also low in fiber. When you eat too many processed foods, you are more likely to gain excess weight, which, overtime, may lead to health risks like diabetes. Instead, eat more foods in their natural states. For example, fresh fruits and vegetables and meat or fish.

Meditate

There are several reasons why we should meditate every day. Research has shown that meditation may improve symptoms of irritable bowel syndrome, post-traumatic stress disorder, and fibromyalgia. Additionally, meditation may decrease feelings of depression and anxiety. If you are having trouble sleeping, meditate may help to calm your mind and fight against insomnia.

Develop and Stick to An Exercise Plan

Regular exercise can improve your mood and decrease stress and anxiety. Furthermore, holding yourself accountable to something, especially something that is good for you, will buy you less time to be concerned about matters that are, perhaps, out of your control.

Spend Less Time On Your Phone And Watching Television

 

Engaging in conversation and activity with others around you will prevent you from feeling isolated and alone. Instead, get outside and exercise. Being on your phone all the time may negatively affect your relationships as well. Prolonged periods of sitting down and not moving may greatly affect your physical health in the long run.

 

 

As is a common tradition in the United States, as well as many other places around the world, countless individuals look to the new year as a means to flush out the negative energies or bad practices they may have had in their lives the previous year. Others may seek to continue strongly their positive pursuit of happiness. This begs us to ask a least a few questions of ourselves: How do we as individuals define our own happiness? What is true happiness? And is it even possible to achieve? Let’s discuss.

American and pop culture teach us to put material wealth at the forefront of our desires and ambitions. Day after day after day, we see commercials on television showing the new, flashy car or the luxury watch that we need to have. We’re told that by obtaining these material goods, that our social status in society will be greatly improved. It’s important to distinguish between pleasure and true, sustainable prosperity. Getting that next text message from a love interest makes us feel good. Buying that new sports car makes us feel good. When we receive this positive reinforcement, our brains release the chemical dopamine, which takes us to a place of sheer joy. However, like any effect of a drug, it wears off and we long for more and more and more. Is that sustainable? Oftentimes, it isn’t.

So, how can we channel our energies and desires in a direction to actually improve our overall happiness? The answer may be self-improvement. For example, taking an interest in and learning a new instrument not only can give you a feeling of worthiness and happiness, it can give you a feeling of fulfillment. Playing an instrument is something that will stay with you. Unlike that fancy, new sports car that rusts and depreciates over time, it’s something that’s sustainable.

Perhaps one of your resolutions is to quit smoking. According to a 2000 study, it was found that cigarette manufacturers increased their advertising in January and February. Sabotage is actually one of the biggest threats to having your resolutions fail. Besides advertisers, another threat to resolutions, however unintentional it may seem, is family members. For example, if one of your resolutions is to lose weight in the new year, having a batch of freshly baked cookies resting on the kitchen counter is, at the very least, unhelpful.

There are steps we can take to assist ourselves in ensuring our resolutions do not fall by the wayside. Those steps are: reduce, implement, and celebrate. We need to make sure that our resolutions are small and manageable. Implement a plan of action that we can confidently stick to. Again, it’s important to be mindful of remaining focused on a small goal. Finally, we should reward ourselves when we accomplish something, even if it’s by doing something small for ourselves.

Every year, we as Americans partake in this tradition of self-improvement. In order to ensure we remain on track, let’s make sure we remain grateful. What do I mean? Well, take at least 15 minutes and jot down what you are grateful for. Update the list weekly by adding an additional two items. If you feel you’re a sharper thinker when you’re outside, go for a walk and contemplate this important list that way.

This pandemic has certainly upended many of our lives. Let’s take a step back and refocus our attentions on what we can control versus what is out of our hands.

 

It’s happened. Coronavirus has entered your home. You can’t seem to fathom how this could be possible. You’ve been washing your hands religiously, maintaining social-distancing guidelines, and have wiped down your surfaces over and over again. Still, it happened. Now is not the time to despair. It’s time to take care of your loved one and protect yourself at the same time. You may observe certain symptoms like a dry cough, extreme fatigue, and loss of a sense of smell or taste among others. Just as when anyone becomes ill, even if it’s not necessarily with COVID19, it’s a good idea to keep your distance until they get tested. Here’s what you should do:

Call the doctor or your county’s health department to report their symptoms and to ask if they can get tested. If they are approved for testing, help them get a testing location. There should be multiple locations around your area. Some CVS Pharmacies do offer drive-thru testing. If you choose this method, it may take a few days to get the results back. Costs of testing may vary depending on his or her medical insurance.

If they can’t get tested right away, it’s best to take the necessary precautions and to act as if they do have the virus. In other words, keep your distance as best you can.

If you are living with someone who is ill, give them a specific space or area that the can quarantine themselves in. This will serve to protect both yourself from contracting the illness and them from passing it to you.

If the person is sick, make sure they are always coughing into their mask or cloth, or elbow or a tissue to prevent the spread of any germs or particles into the air.

Washing your hands with hot water and soap is always best, but use alcohol rub if you don’t have access to soap and water.

Wipe down surfaces with soap and disinfectants.

Don’t touch your face or rub your eyes if you haven’t washed your hands.

It’s very important to keep a constant lookout for the sick individual because this virus can take a turn for the worse rather quickly. Offer them both physical and emotional support whenever you can, without getting too close.

There are certain warning signs of danger when it comes to COVID-19 that you should be aware of: trouble breathing, chest pain or pressure that doesn’t go away, confusion or can’t be woken up, or a blue color in their lips or face.

Designate a bedroom for them to stay in. They shouldn’t leave that bedroom except to go to the bathroom. Keep everyone away from them. Also, if you can, open a window to get the air circulating inside.

Designate a sick bathroom for them. If you only have one bathroom, you’re going to need to clean the surfaces inside the bathroom every time they use it.

Follow safety guidelines related to medication to reduce fevers like ibuprofen. Do not exceed the recommended dosage. Keep track of when and how often the sick person is taking the medication.

Make sure plenty of blankets, pillows, books, magazines, TV, or a computer are available for their leisure while they are recovering. Make them as comfortable as possible. Keep a phone charger near their bed, so they can call or text you if they need something.

Bring food to them on a tray and maintain your distance as you give it to them.

Keep their laundry separate from yours. This may sound excessive, but it’s important to remember that germs can pass through clothing as well. You want to take any and all precautions to make sure you don’t get sick, too.

Go through your entire house and clean all surfaces and areas thoroughly.

We understand that these have been trying times for many. All of the recommendations included here are steps you should already be taking to prevent the spread of germs and ailments even if it’s not COVID-19.

For more information about how to care for someone with COVID-19, please visit the CDC’s website.

 

The sudden nature of a car accident can leave us alarmed, stressed, and disoriented. Hit-and-Run accidents may be even more startling because you have the guilty party fleeing the scene of an accident. This is against the law and is considered a crime.

If someone hits your vehicle and drives off, follow these steps:

Call the police: Hit-and-Run accidents happen suddenly. Once the shock of having another car collide with yours wears off, do your best to remember details about the accident: the color of the vehicle that hit you, the make and model, and the license plate (if you didn’t catch the whole license plate number, it’s okay. Write down as much as you can remember. Those details will help the police in their investigation)

Find out if there were any witnesses: If you see any witnesses at the scene of the accident, be sure to get their contact information in case either the police or your insurance company needs to reach them for information.

Take photos: If you can, take some photos of the accident scene and the damage to each vehicle.

Be sure to report the hit-and-run within 24 hours: it’s very important to report this within the 24 period because these incidents are considered crimes. Once you report the incident to the police, they may tell you to take your vehicle to a repair shop. It’s also a good idea to get the officer’s name, badge number, and phone number in case either you or your insurance company needs to follow up with additional questions. It’s extremely important to report this incident to the police. Otherwise, it may be deemed an “at-fault” accident by your insurer, thus increasing the cost of your insurance.

Does Car Insurance Cover Hit and Run Accidents?

These types of accidents are only covered by your insurance if you have collision coverage. Collision coverage is optional, but it is highly recommended that you get this coverage. If you choose not to, you may be responsible for paying for the damages to your vehicle.

Do I have to pay my insurance deductible after a hit and run accident?

Any time you file a claim through your insurance company, you are required to pay your deductible. Once you pay that, your insurance will kick in the cover the rest of the cost of your claim.

Will a hit and run accident increase the cost of my insurance?

As long as you report the accident to the police within 24 hours and your insurance company doesn’t deem the accident “at-fault”, your insurance shouldn’t be affected.

In the event of an accident, it’s important to remain calm, so you can gather yourself and focus on the important next steps you need to take. Getting all of the appropriate information from the police and the other parties is extremely important and will make the repair process that much easier.

 

Do you ever notice your Pepco bill seems to be a bit higher in the colder months? That’s probably because you’re cranking up the heat in your home. Don’t worry. It’s perfectly normal to see a difference in expenses when comparing fall and winter to spring and summer. Just in case you were wondering about ways to lower your energy bills during the winter, read on…

1. Keep your curtains and blinds open during the day and close them at night.Naturally, during winter, temperatures are going to be warmer during the day and colder in the evening. To combat the costs of energy, keeping your curtains and blinds open during the day will allow for any sunlight to enter your home, thus keeping it warmer. Keep them closed at night to keep the heat in and the cool, brisk air out.
4. Install a smart programmable thermostatProgrammable thermostats have the built-in ability to learn your schedule over time. When you’re away from home, they can set themselves to energy-saving temperatures. You may be able to set temperatures with different phone apps while you’re away as well.
7. Clean your refrigeratorIn this case, less is more. The less items you have stockpiled in your fridge, the less energy it will take to keep those items cool. Additionally, it’s always a good idea to make it a habit of regularly cleaning your fridge to avoid any unpleasant smells creeping about.
10. Lower your water heating temperature.For those of you that enjoy the indulgence of long, hot showers, you don’t necessarily have to give that ritual up. In fact, bringing your water heater thermostat down to 120 degrees Fahrenheit can reduce the heat loss from your water heater, resulting in big savings: over 20% in energy costs per year!
13. If you own a fireplace, make sure that the wood you choose to burn is not wet. This is because it could result in excess smoke and heat loss. Nobody wants that!
15. Set your ceiling fan to rotate clockwise to feel warmer.Ceiling fans don’t only keep rooms cooler. In fact, they can serve to make rooms more comfortable by pushing warm air away from the ceiling and back towards the room. You can also turn the temperature of your thermostat down a few degrees if you want to save even more money on your energy bill.
18. Clean your windows
19. Similar to closed curtains, dirty windows may clock natural sunlight from entering your home. Plus, you’ll feel better about living in a clean space!
20. Remove window air conditioning unitsThe fall and winter seasons don’t provide us with many hot days. Therefore, consider removing your window air conditioning units because they block natural sunlight and heat from entering your home. If this isn’t possible, consider caulking the edges to seal them off. This will prevent any air from creeping through.
23. Add insulation to your home.Insulation is extremely important and effective if you’re trying to keep your home warm during the colder months. Do some investigating in your home to discover where the main insulation gaps are before embarking on any lengthy projects.
26. User smart power strips for your electronics.

Are you not entertained? We mean when you’re inside your home. You may depend on your electronic devices like laptops and televisions for fun while indoors. It’s important to know that even when a device appears to be off, if it’s still plugged into an electrical outlet, it’s still using energy. Consider investing in a smart power strip which prevents appliances and electronics from using energy when they’re powered off. It’s all about keeping those energy costs down. This can help!

1. Not only can using a slow cooker help you create delicious meals for yourself and your family; it can help you save energy!

 

1. Use drying racks to dry your clothes.You’ve just gotten out of the shower. You’re soaking wet and a little chilly. Naturally, it would feel good to grab some freshly dried, warm clothes out of the dryer. But, using a dryer instead of dryer racks to hang dry your clothes costs more. Consider using dryer racks if you want to keep your energy costs lower.
4. Layer your clothing to keep warm.

This is a bit of a no-brainer. Putting on more clothes is going to keep you warmer. Let’s move on to the final tip!

 

1. Be mindful of how much energy your using when putting up your holiday decorations.

Connect all of your electronically-powered decorations to smart power strips to cut back on expenses!

It’s that time of year again! The most wonderful time of the year! Everything from what you’re going to prepare as a meal for your family, to what gifts you’re going to exchange, all of the details make up a very busy time! There’s another item on that important list of “To-Do’s”: what kind of Christmas tree are you going to buy this year?

Choosing a Christmas tree can be an overwhelming endeavor because all of the trees may look so similar. Some have better needle retention than others, which may be an important factor when considering which tree you want to buy if you have small children. Apart from worrying about your children picking up needles from the floor, the cleanup process may prove to be longer than you’re willing to tolerate.

Some trees give off a strong fragrance, so if you’re sensitive to certain smells or have certain allergies, be cautious before making your purchase.

A very important factor to consider is the strength of the tree’s branches. If you’re more of a minimalist, you have a lot more options available to you. If you’re the type of person that has accumulated countless ornaments over the years and you like to place every single decoration you can think of on your tree, you may consider a tree with sturdy branches to withstand all of the weight of your ornaments. A tree with soft foliage is probability a more suitable option for family’s with children or pets to prevent injuries from occurring.

You can buy your tree from a local nursery or a farm where you can select and cut your own. Some nurseries already have trees cut, so you may be able to skip that step. Still, it’s important to examine the trees before making your choice. If you see a tree with a lot of needles underneath it, it means the tree is not in good condition and you shouldn’t buy it. Another way to see if you’re buying a healthy tree is by gently guiding your hand from a branch on the tree to its tip. It’s important that the tree not drop any needles when you make this motion because it means it’s strong and durable and will last.

After you take your tree home, make sure you’re always providing it with plenty of water. Negligence in this department may prove dangerous because, as a tree dries out, it can become more prone to catching fire. Always be mindful and keep an eye on your water dish beneath your tree and make sure it’s full.

The most common species of trees in Maryland are the following: Douglas Fir, White Pine, Colorado “Blue” Spruce, Scotch Pine, Norway Spruce, Fraser Fir, Canaan Fir and Concolor Fir. Different species have different establishment costs, management requirements, and marketability.

 

One of the best ways to reduce the amount of distractions we have while we’re operating a motor vehicle is by keeping our hands free, so that both of them can have complete control of the steering wheel.

Invest in a cell phone holder: For those of you who use your cell phone as a GPS, cell phone holders can be used to lock your cell phone in a fixed, secured position, so that you don’t have to be tempted to pick it up while you’re driving. The costs are minimal and these items can be found on amazon.com or at Best Buy.

Podcasts or Playlists: A lot of people like to listen to music or to podcasts while they’re driving. This is normal and perfectly safe as long as the volume isn’t so loud to the point where it hinders your ability to hear anything else around you i.e. a passenger’s voice or another car’s horn. It’s imperative that you keep your eyes on the road at all times while you’re behind the wheel. Podcasts are a great choice because they usually focus on one topic at a time, so you’re less inclined to use your hands to change to another topic or to another song. If you enjoy music more than podcasts, consider creating a playlist ahead of time for your travels, so you’re not tempted to touch the dials on your radio or your cell phone.

Don’t apply makeup in the car: Any time you do something that requires your eyes to move away from the road in front of you can present potential danger. Applying makeup is no exception. Serious injury could occur should you hit the vehicle in front of you!

Avoid eating or drinking: The truth is that no one can really multi-task effectively. Sure, you have two hands, so you think you can use one for one thing and the other for something else. It’s important to remember that you’ll never be able to give the proper attention to a single task if you attempt something else at the same time. Getting distracted is easy in these situations. Additionally, if you’re drinking a hot beverage, the possibility of spillage could result in a personal injury.

Limit distractions with passengers: When you’re having a conversation with another passenger, you may sometimes feel the need to turn your head towards them to acknowledge what they’re saying or to see if they’re acknowledging you. Don’t do this.

Let dropped items go: If you happen to drop something while driving, do not attempt to pick it up. Wait until you arrive at a red light to pick it up. If it’s easier for you, when you finally stop at the red light, put your car in park and then pick up the item you dropped. That way, the car won’t shift forward until you put the car back into drive.

Don’t become distracted by kids and dogs in the backseat: However adorable as they may be, rowdy children can present potential risks to your safety if they’re rough-housing in the backseat. That, compounded with shouting or screaming can escalate matters to a point you don’t want to have come to pass. As far as dogs are concerned, make sure they are properly secured in a pet seat. Many of them can be attached the your pet’s leash.

Don’t turn up the volume: You won’t be able to hear potential emergency vehicles attempting to pass you if your music is too loud. Keep your music volume to a reasonable level.

Avoid rubbernecking: Have you ever slowed down to see the aftermath of an auto accident? Don’t do it. It clogs traffic and requires your eyes to move away from what you should be focused on: what’s in front of you.

Avoid fixing your attention on pulled-over vehicles: In the words of Obi-wan Kenobi, “You don’t need to see his identification. Move along.”

Avoid tailgating: Maintain enough distance between yourself and the car in front of you, so that if you’re ever in situation that requires you to brake suddenly, you won’t slam cause a collision. You’ll avoid potentially injuring the driver in front of you, let alone getting them upset. No one wants that.

Avoid rowdy passengers: Being rowdy in the car isn’t worth causing an accident. Leave the rowdiness for when you reach your destination.

Wear sunglasses and use your visor: Make sure you have your sunglasses available at sunrise and sunset, when the sun is at its most powerful.

Don’t smoke and drive: This is similar to eating and driving because it requires one hand to not be the steering wheel.

Avoid basic grooming tasks: Don’t shave, adjust your clothing, or do your hair while you’re behind the wheel of your vehicle.

Don’t put your convertible top up while in traffic: Although some cars have this feature available that allows you to do this with the simple push of a button, it may become distracting for other drivers near you. If you must, pull over on the side of the road before adjusting your convertible top.

Don’t overreact to outside stimuli: Road rage is a serious issue. While it’s normal to react when someone honks their horn at you, it’s best to not fly off the handle at them. Instead, take a deep breath and remain calm. Road rage incidents have the potential to hurt you and others around you.

 

Thanksgiving Day was proclaimed a national holiday during one of the most trying times in our nation’s history: 1863, during the time of the Civil War. How did Thanksgiving come to be one of the most important celebrations in the United States? Let’s take a little trip back in history, shall we?:

It’s September 1620. A ship called the Mayflower leaves Plymouth, England. Religious liberty and a freedom to be landowners is at the forefront of the minds of its 102 passengers. This would not be an easy journey by any stretch of the imagination. In fact, these brave souls would endure some of the most treacherous conditions known to man. After a dangerous journey that spanned 66 days, they planted themselves near the edge of Cape Cod; their original plan was to arrive at the Hudson River. A month later, the passengers of the Mayflower would settle their own village at Plymouth.

The colonists aboard the Mayflower battled everything from freezing temperatures to outbreaks of horrible disease. Half of the group would succumb to disease before spring. In March of that year, the remaining crew reached land where they would be greeted by someone they certainly did not expect: an Abenaki Native American who would greet them in their native English.

After meeting the colonists, the Native American would leave them and return days later with another Native American. Some of you may have heard of him before. His name was Squanto. This meeting with Squanto would prove to be one of the most fruitful meetings in human history, for it gave the colonists the opportunity to learn how to grow their own crops, extract sap from maple trees, catch fish, and how to identify poisonous plants.

Why is Thanksgiving celebrated in November? Well, in November of 1621, after the colonists successfully harvested their first corn, Governor William Bradford organized a feast in which he invited Native Americans from various tribes to eat with the colonists. Additionally, at the height of the Civil War in 1863, Abraham Lincoln wanted to bring the country together. In his proclamation, he wanted all Americans to ask God to “commend to his tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife and to “heal the wounds of the nation”. He scheduled a Thanksgiving for the last Thursday in November.

While there are some Native Americans who strongly disagree with how the history and significance and Thanksgiving is taught to Americans due to the, oftentimes, violent history between Native Americans and European settlers, it is important to remember that through no time in human history has there ever been conflict between human beings. In fact, people engaging in violent conflict is well-documented. From the times of the Caesars to when the Scottish people fought for their freedom against the English crown, it was clear that, although leaders did their best to avoid armed conflict, bloodshed was unavoidable. The conflict between the Native Americans and European settlers was not an unusual occurrence. Human beings have fought amongst each other for centuries. What is important to remember is how peoples from completely different backgrounds were able to put their differences aside and come together to celebrate what they had in common: a mutual need for trade, land, negotiations, and yes, the absence of armed conflict. The survival and prosperity of their individual tribes was more important.

We are living in uncertain times. The outbreak of the Coronavirus has tested us as Americans, challenging the very ideals we so strongly hold in our hearts. This Thanksgiving, may we all take a moment to remember what brings us together, what we have in common and what values we all share as members of this great country. We have an opportunity to remind ourselves of what it truly means to be an American. It’s not something that we should ever take for granted.

 

 

 

 

sources: https://www.history.com/topics/thanksgiving/history-of-thanksgiving

 

How often have you driven your car and noticed the fuel light on? This is a signal that you need to refuel your vehicle. Many drivers think they can push their vehicles to the limit when it comes to fuel, only refueling at the last possible moment. We strongly advise against this. We’ll explain why.

When you drive your vehicle while the low-fuel indicator light is illuminated, your car is running on reserves (10-15%) of your fuel tank’s capacity. When you run your car during these situations, the fuel pump is not getting the necessary lubrication it needs to function at its optimum level. Over time, ignoring this may erode and/or overheat the engine. To put it plainly, the cost to fill up your gas pails in comparison to repairing your car’s engine. The dangers of a failing fuel pump may range from poor performance, to not accelerating properly, to not starting at all.

In addition, your car’s fuel pump has a filter, which can get dirty rather quickly if you drive on low fuel. Because any sediment or dirt sinks to the bottom of the fuel tank, the result could be blockage of the filter, thus resulting in a costly repair.

When you’re driving your car with the low-fuel indicator light on, you don’t have the time to comparison shop for the cheapest gas. Also, driving under these circumstances leaves you little choice than to stop at the nearest gas station.

If you want to avoid running out of gas in the future, keep your eyes on your fuel meter to make sure you’re not running too low. Remember, filling up more often may mean you’re spending money at the gas pump more often, but the overall cost each time will be less. An easy way to find cheap gasoline is by using smartphone apps. They can tell you if you’re close to a cheap gas station.

Another way to increase your fuel economy is by turning off your vehicle’s air conditioning system. This is especially important if you’re in dire straits of running out of gas.

Go easy on the gas pedal. Driving aggressively also takes a toll on your vehicle’s fuel economy. The faster you drive your car, the less efficient your car’s fuel economy will be. According to the U.S. Department of Energy, fast acceleration and constant braking can decrease your gas mileage from 15% to 30% at highway speeds. In bumper-to-bumper traffic, fuel economy drops from 10% to 40%.

Generally speaking, it’s best to keep your fuel tank above a quarter full in order to avoid the possibility of driving on what is considered to be low fuel. Again, driving on low fuel can lead to you being stranded, it can be damaging to your car’s engine, and can seriously hurt your wallet.

In an emergency situation, a properly-functioning smoke detector could mean the difference between life and death.

When it comes to protecting your family, you want to make sure you’re taking all of the necessary steps to ensure their safety. Smoke detectors are an important part of safety in a home. Their purpose is to detect and warn you of smoke inside your home.

Smoke detectors are usually very affordable and are available for purchase at most hardware and department stores. Having a smoke alarm installed in every room of your home accounts for the reduction of risk to life by 50%. Once started, smoke alarms immediately alert the closest fire department and can end up saving lives. Why risk precious time without a smoke alarm when the consequence is so harsh?

It’s not only important to install smoke alarms inside your home. Proper maintenance of these life-saving devices is equally as important, if not more so. A smoke alarm that does not work properly actually poses more of a threat than not having one at all because it gives you a false sense of security. It is possible to purchase smoke detectors that do not require batteries, but if you buy some that do require them, make sure to read the instructions on how to properly install them, so your smoke alarms can function properly.

Fires can start anywhere. Common causes of fires include: grease fires, electrical fires, fires caused by flammable liquids like gasoline, Christmas Tree fires, candles, smoking, space heaters, outdoor fires, and yes, children. It’s important to always keep an eye on your littles ones because, naturally, they are little explorers that will wander off anywhere once something sparks their curiosity. If your child wanders off out of your sight and accidently starts a fire, a smoke alarm may buy you valuable seconds to find them and remove them from a potentially harmful situation. Electrical fires tend to be extremely dangerous due to their ability to spread rapidly.

If you live in an apartment complex, it is especially important to have a properly functioning smoke detector. All types of smoke alarms need to be connected to the central grid of a buildings fire alarm, so if a smoke alarm goes off, it alerts the entire building of potential danger. The connection to the grid also has the ability to inform the authorities of the presence of the fire. Every second counts when lives are at stake. Not having a smoke detector that works gives you a false sense of a security and may lead to you not springing to action fast enough to get to safety in the event of a fire. Don’t take the chance. It’s not worth it.

Exercise more.

Not only does exercising regularly have the potential to help you lose weight, but it has profoundly positive effects on your psychological health. Exercise releases dopamine, a chemical that plays a role in how you feel pleasure, into your brain. It also has the ability to help us focus, plans, and strive to improve in various aspects of our lives. Even those who don’t see a dramatic change in their physical appearance from regular exercise do tend to have better brain health.

Get more sleep.

Lack of sleep may lead to feeling extremely irritable and short-tempered. Additionally, people who are sleep-deprived have a more difficult time recalling pleasant memories, but recall unpleasant ones just fine.

Move closer to work.

Most of us don’t spend too much time focusing on it, but we spend a lot of time behind the wheel. We drive back and forth to work five days out of the week and we do it twice a day. What’s worse is we never take the time to consider the negative effects surrounding our commutes because the factors involved are always everchanging. For instance, on some days, the traffic may be light and easy-flowing. On other days, what usually takes us thirty minutes takes us an hour and fifteen minutes. Because these instances are often spread out, we never grow accustomed to them. As a result, our attitudes are negatively impacted. When we are stressed or upset about something, that can have a tendency to seep its way over into our work, affecting our job performance. The negativity begins to snowball, eventually resulting in a catastrophic event.

Spend more time with friends and family.

Material possessions may bring you happiness, but oftentimes, that happiness is fleeting, meaning that it is short-lived. Clothing goes out of style, cars age and break down and depreciate in value. It’s our relationships with friends and family that bring us true happiness and feelings of fulfillment.

Go outside.

Studies have shown that prolonged periods of sitting down are bad for our health. In fact, such conditions as obesity, increased blood pressure, high blood sugar, excess body fat around the waist, and abnormal cholesterol levels have been linked to this. Many of us work office jobs that require us to sit at our desks for long periods of time. It’s important to get up and stretch periodically to increase circulation and blood flow in the body. Additionally, being outside for at least twenty minutes when it’s warm versus being stuck inside has proven to increase happiness and overall productivity in the workplace.

Give back to your community.

You might think that spending money on material possessions such as cars, shoes, TVs, or expensive jewelry can bring you satisfaction and happiness. Temporarily, yes, this may be true. But, remember what we were saying about how our relationships with other people is what really brings us happiness? Human beings are social creatures who need human-to-human contact. It’s a necessary thing for both or mental and physical well-being. Acts of service like volunteering at a soup kitchen or participating in a clothing drive for the less fortunate or just being involved with a recreational sports league can bring us immense happiness because we are surrounded by people we care about and people who care about us.

Plan a trip. But, don’t actually take one.

Having a goal, working hard towards achieving that goal, and then finally being successful in accomplishing your goal is incredibly satisfying. Studies have shown that getting a break from work can improve our overall happiness. Have you ever gotten really excited about the prospect of going on an extended vacation? Didn’t you feel really happy about the idea of getting away from the stresses of everyday life? It’s been said that time period of time leading up to vacation creates much more happiness than the period after the vacation is over.

Meditate.

Reserve some time out of your day for meditation and self-reflection. Meditation can help improve focus, clarity and attention span. YouTube has several videos you can follow to practice meditating. Light some candles to create a relaxing ambiance and then get started.

 

Every year, we create New Year’s resolutions for ourselves. I know. It’s October and I’m already talking about New Year’s resolutions. I get it. Stay with me for a second, though. Typically speaking, these lists focus on self-improvement: getting in shape, reading more books, taking more time to meditate, taking a cooking class, etc. There are several reasons why these resolutions fail. What’s one of the main reasons: They’re not specific enough. When you talk about any kind of personal goal, it will serve you better to be as specific as possible. For example, if you want to lose weight, consider writing down a particular date on your calendar, so you have an opportunity to chart your progress. These kinds of personal goals are common among people. But, what about making changes to your daily life?

Since the outbreak of the coronavirus pandemic, countless Americans all over the country may be living in fear of getting sick. It’s important to know that there is hope. We need hope. We need positivity. We need positive reinforcement in our lives. How can we ensure our own safety and the safety of those around us? One way we can protect ourselves is by keeping our cars clean and pristine.

Many cleaning solutions can be effective for killing germs. In fact, you may have a lot of these hanging around your house. According to the CDC, cleaning solutions that contain at least 70% alcohol are effective against coronavirus. Soap and water are safe to use for most auto interiors—especially fabric interiors.

Most leather interiors in cars contain urethane coatings for protection. Because of this, it is safe to use alcohol on these surfaces. However, using alcohol persistently may lead to damage and discoloration over time. It’s safer to use simple soap and water.

If you do have leather interior in your car, proper care is essential to prolong the integrity and life of your leather. You should use a good leather cleaner and a good leather conditioner after your cleaning.

For fabric interiors, it’s important to not use too much soap and water. Soap suds can be a problem. If you scrub too hard, you may create soap suds that can soak through the fabric, working its way to the cushion underneath. As a result, a musty smell and possible mold can build up over time. To prevent this from happening, use a little amount of water and laundry detergent.

Once you are finished cleaning your surfaces, it’s important to remember to wash your hands. If you have dirty hands and touch your car’s surfaces, that dirt and griminess will rub off and you’ll have to start from square one. It may be a common belief, but washing your hands consistently is still one of the most effective ways to prevent the spread of COVID-19.

Although coronaviruses can remain on surfaces, it is still believed among medical experts that the primary means of transmission is through respiratory transmission.

Whether you are at work or at home, maintaining a clean, clutter-free area has proven to improve mental health, relieve stress, and prevent us from becoming physically ill. Why not make this a permanent practice in our daily lives?