Little Known Home Hazards

A Homeowners Insurance Update

We all know how to keep our home safe from fires, burglars and other major homeowner’s risks. Your homeowner’s insurance covers many different kinds of losses. Cooking, candles, and smoking are the biggest causes of house fires in the United States. However, there are a few hazards around the home that many of us don’t think about.

9volt Batteries

9volt batteries can create fire when exposed to many kinds of metal. Keep 9volt batteries stored in a plastic container.

Smoke Alarms That Are Not Working

A large percentage of homes fires go un-noticed because of smoke alarms that don’t work. A working smoke alarm can be your best defense to notify you of a fire.

Dryers

Over 20% of home fires start as a result of poorly vented or dust filled dryer vents. Check your dryer vent every time you use your dryer.

Candles

Candles left unattended are also a major cause of home fires. If you use candles, make sure they are kept away from flammable items and blow out before you leave the room.

A Personal Insurance Guide

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

Bought a new car or sold a car

Changed your marital status

Bought a boat, RV or ATV

Change of address

Welcomed a new baby into the family

Major inheritance

Have a new teen driver in the family

Child headed off to college

Purchased second home

Planned foreign travel

Started a home based business

I now drive my personal car for work

Personal Insurance

Review my insurance to make sure I have the right coverage

Take the time to read my insurance policies

Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?

Make sure I have identity theft insurance

Do I have enough life insurance?

Do I need life insurance for my spouse?