INSURANCE IS CHANGING: Due to the many catastrophic weather events in
this country during the past few years, the climate of property insurance is
rapidly changing. Insurane companies simply don't operate the same as they
did even a couple of years ago. All companies have made significant changes to
the way they underwrite their property risks. As consumers, you need to be
aware of the type of changes that are taking place and what you can do
to protect yourself from high rates and non-renewals. As insurance
professionals, we want to help you to understand these changes. Our staff
members are always available to speak with you about the "state of insurance"
and how it affects you.
These events have also given many people a reason to assess their home and
auto coverages, to be certain that their coverages are sufficient. When
checking the coverage for your home or auto, don't forget to include high value
items like jewelry, silverware, guns, tools, etc. In most cases, these items
need to be endorsed on your home policy in order to be fully covered. It's also
a good time to take a look at your Life Insurance. Your needs change with time
and the coverage you purchased a few years ago may not be enough to protect your
family. Give us a call for a free evaluation.
INSURANCE. Many people have inquired about whether or not they may need to
purchase flood insurance, in light of recent catastrophic flooding in the
South. If you have questions about Flood Insurance and who may need it, please
contact our office. We will be happy to explain the process and help you assess
your own personal risk.
Your Homeowner policy does not
When stopped in traffic to make a left turn...NEVER cut your wheels to the
left. Always keep your wheels straight, especially when waiting to turn. Over
the years we have known several people who were killed or seriously injured,
because of making this one mistake. If you cut your wheels and another vehicle
hits you in the rear, you will immediately be pushed into the oncoming
Parents: Please remind your teenage drivers
not to text and drive.
RV-Driving Safety Tips
Have a Copilot. You may think the mirrors will be enough to
help guide you, but it can never hurt to enlist an extra pair of eyes even when
you're backing up, going down narrow roads or turning sharp corners.
"Easy Does It" on the Brakes. The airbrakes in an RV feel
very different compared to hydraulic brakes in cars. There's a slight delay when
applying airbrakes. Prevent sudden stops by not jamming hard on the RV brakes to
overcompensate for this delay.
Follow the "Rule of 20 Percent."
RVs take longer to come to a full stop and they accelerate slower. Always
add 20 percent whether you're extending your following distance or merging into
Know Your Propane Tank System. Don't travel with the
oven, stove or burners lit. Install a propane gas detector. And, never refuel
the engine when a propane appliance is running.
Height. It sounds straightforward, but many drivers often forget about the
height of their RV. Some of the most common RV accidents occur when RVers run
into overpasses. To remind yourself of your RV's height and weight, write it
down on a piece of paper and keep it near the dash and
HOME FIRE SAFETY:
1. When using a
space heater, remember to keep well away from any flammable surfaces, such as
furniture, clothing, or walls. Keep in mind that the electric cord can
overheat, also causing a fire. Space heaters are NOT RECOMMENDED for routine
heating of your home. Claim statistics have proven that they are dangerous,
even when used with caution.
2. Never leave small electrical
appliances such as irons, hair dryers, toaster ovens, or curling irons plugged
in. These small items are the cause of a great many housefires.
3. Don't leave your clothes dryer or dishwasher turned on when you leave the
house or go to bed at night. These appliances are two of the greatest causes of
4. Turn your Christmas lights OFF, when you leave
home or go to bed.
Safeguard against Identity Theft with these simple
measures. Photocopy the front and back of all credit & debit cards in your
wallet. Keep the photocopy in a safe place in case your wallet is stolen or
lost. The copy will provide you with all of your account numbers and the phone
numbers to call, to report the loss.
Don't sign the back of your
credit cards. Write "PHOTO ID REQUIRED" on the signature line. Then thank each
sales person who asks for your photo ID.
When ordering checks, use
only your initials and last name. Never have your social security number or
driver's license number printed on your checks.
When ordering Online
- use a credit card instead of your debit card. If your card is compromised,
you will have an opportunity to dispute the charges. With a debit card, you'll
just find out that your money is gone and you will have to wait for the bank or
financial institution to recover and/or put the money back into your account.
Many credit card companies also have a "shop safe" feature on their website.
This enables you to apply for a temporary card number and amount, just for phone
and internet orders. Contact your credit card company or bank to find out if
they have this feature available.
Jesus said, "I am the way, the truth, and the life.
No one comes to the Father, except through Me." John 14:6