Archive | October 2015

Preparing Your Home For Winter Freezes 

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With winter arriving soon, now is a great time to prepare your home for freezing temperatures.  Use the checklist below to give you ideas for keeping warm, preventing fires, and saving money.

Have your furnace inspected and serviced by a professional at least once a year. Catching an issue early can save you thousands and if you’re a preferred customer of a local HVAC company, most will put you at the top of the list should you have a furnace issue during the extremely cold times.

Have chimneys and vents cleaned and inspected.  (Built up creosote is the leading cause of chimney fires!)

Stock up on dry, seasoned wood for the fireplace or wood stove.

Check the condition of your fireplace screen.  Is it in good condition and secure?

Get a covered metal container ready to dispose of cooled ashes.  (And keep it at least 15 feet from your home.)

Review fireplace safety with your kids!

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FINALLY!!! Proper Insurance for UBER Drivers

UBER DRIVERS—Do you have a lack of the proper Insurance Coverage??? When the app is on and the driver is seeking riders – (Period 1) there may be only limited coverage from the Rideshare company and possibly NO COVERAGEunder the driver’s personal automobile policy.
Effective immediately (KANSAS RESIDENTS ONLY) I have one of the first major carriers to begin offering a new Rideshare Endorsement. With this endorsement, Rideshare drivers can avoid a potential gap in coverage by extending their personal auto policy coverage when they are logged in and waiting for the next ride. At this time this endorsement is for KANSAS residents only. Message me or call me at 816-795-5977 if you would like a quote.uber-logo

Halloween Insurance Tips

It’s October and that means that Halloween is on it’s way!  We love any excuse to celebrate around the office. However, I wouldn’t be a good insurance agent if I didn’t give a few good liability insurance tips too. 🙂

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You’ve heard most Halloween advice over and over.

**Pack a flashlight for when it gets dark.
**Put reflective tape on children’s costumes.
**Check the kid’s candy before letting them eat any.

But what about the risks at your home? Your Homeowners Insurance covers you if someone is injured on your property. But there are a few things you can do to prevent accidents before they happen!

  1. Change your light bulbs. Is your porch light burned out? What about lights along sidewalks? Good lightning will help prevent children (and adults) from tripping.
  1. Clear hazards. Tree limbs in your yard? A hole you’ve been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!
  1. No open flames. While candle filled pumpkins are fun to make, they can be dangerous too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces.

And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call us today to schedule a free review and detailed explanation of how we can keep your home and family protected.

October Is Fire Prevention Month

October is officially Fire Prevention Month. As your insurance agency, this is an issue that is very important to us! Unfortunately, we’ve seen clients suffer from home fires, and we want to share some things you can do to prevent a disaster.

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Beyond basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove, there are several important things to do with your children or grandchildren to make sure they’re safe.

First, create a PLAN. When children know what to expect, they can remain calm, even during an emergency. Help your child know exactly what to do if a fire occurs.

Stress the importance of getting out of the house and to your family meeting spot.  Choose an area a safe distance from the house where children should go if making a fire escape. It could be a street light, mailbox, or neighbor’s tree.

If you have pets, tell your kids that your pets will find their own way out safely and that they should never go back to rescue the pet on their own.

As a family, go through each room of the house and discuss TWO different ways to get out if a fire occurs. Let children practice opening a latch and unlocking doors too.

Now host a fire drill! Make the practice drills fun and informative. Create sample scenarios and build up your kid’s confidence. They’ll be better prepared for a fire and you will too!

When it comes to any sort of emergency situation, people are what matter most. Take precautions to protect your loved ones and let your professional insurance agents take care of protecting your home and belongings! Call us for a free quote on your Homeowner’s Insurance today!

October Home Maintenance Tasks

Every month, we share easy tasks you can do to keep your home in tip-top shape all year long. So here are a few simple tasks you can take on in October!
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Pack Away The Air Conditioner – If you use a seasonal air conditioning unit, then now is the time to pack it up for winter! Make sure to spend a few extra minutes cleaning all the filters and coils well. It will keep the unit in great shape and it will last much longer.

Winterize External Plumbing Systems – It’s much better to prepare for freezing temperatures before it’s freezing! Winterize all exposed outdoor pipes and you’ll avoid the trouble when there is snow or ice on the ground.

Check Your Carbon Monoxide Detector – This is an important one! October is a great time to check your carbon monoxide detector to make sure it is performing well. Change the batteries, test it, and replace older units.

Clean Up For Halloween – Trick-or-treating can be a liability hazard! Clean up any loose tree limbs, fill holes in the yard, and remove any fire hazard Halloween decorations before kids are running to your door.

Save on Home Insurance – Homeowners Insurance is an important part of protecting your belongings. To make sure you have the best coverage, call us today for a free, no obligation quote.