The most effective ways to avoid a driveway disaster

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Every year, thousands of children are killed or seriously injured because a driver backing up didn’t see them.

New vehicle technologies are designed to reduce these types of accidents. But no matter how many safety features cars are equipped with, there still is no substitute for following some basic safety rules, according to the National Highway Traffic Safety Administration. Here are some of the most effective ways to avoid a disaster in your driveway:

1. Always assume children could be in the area and carefully check the street, driveway, and area around your vehicle before backing out. Before you get in your vehicle, take a few seconds to walk all the way around it to check for children.

2. Teach children not to play in, under, or around vehicles. Ever. Consider allowing children in your driveway only when no vehicles are there or even making your driveway a toy-free zone. If children are playing in your driveway, make sure they are supervised by an adult and there is a physical barrier to prevent any cars from entering.

3. If you’re driving an SUV or truck, the blind spot behind your vehicle can be quite large. Use extreme car when backing up a large vehicle.

4. Back up slowly, with your windows rolled down, to listen for children who may run behind your vehicle. Don’t rely only on vehicle technology such as backup cameras or warning devices.

5. If you’re the only adult home and have to move your vehicle, it’s safer to have your children in your vehicle with you than outside it.

Do you have health care proxies for all adults in your household?

31993041 - happy 3 generation family in grandparents' backyardHave you created health care proxies for all adults in your household?

A health care proxy — also known as a durable power of attorney for health care —is a document that lets you appoint another person to make health care decisions for you if you cannot make those decisions or speak for yourself.

You should have signed health care proxies for all adult family members living with you and make sure these documents are easily accessible in the event they are needed.

Don’t forget to have a health care proxy for any children in college as well. Under Health Insurance Portability and Accountability Act (HIPAA) privacy rules, once a child becomes an adult, his or her parents cannot access their medical information without permission. Without a signed health care proxy, you will not be able to make medical decisions for your child in the event he or she is unable to make them.

Three ways to get more exercise

Fitness class exercising in the studio at the gymRegular exercise has an array of health benefits. But for many, going to a gym, running, or biking aren’t great options. Here are three other ways to get in shape:

Yoga. Have aches and pains? A majority of Americans who suffer from regular aches and pains or chronic pain turn to yoga. It’s not complicated to learn, and you can do it at home. This ancient practice strengthens your core muscles, helps with relaxation and can even help with pain relief. 

Pilates. Want to increase your core strength, breathe deeper and feel more relaxed? Regularly practicing pilates can be a great way to get in shape. Like yoga, research shows that pilates can assist with pain relief.

Walking. Did you know that walking for 30 minutes most days of the week can have some big health benefits? The great thing about walking is that you can sneak it in before work, during lunch or in smaller sessions throughout the day.

Does your morning routine need a tune up?

18594465 - black alarm clock and bedAre mornings hectic around your house? A bit of planning the night before can help things go a lot more smoothy each morning.

Have healthy breakfast options available. The goal is to have healthy food that is ready to eat or just takes a few minutes to prepare. That way, you are tempted to skip breakfast or pick up fast food on your way to work.

Have your lunch ready. Packing your lunch the night before can help save time in the morning and can help make sure you bring enough nutritious food and snacks to the office and that your children have nutritious lunches to take the school with them.

Get more sleep. Getting enough shut-eye can help you get out of bed more quickly and help you feel more energized in the morning.

Make time for meditation. Sitting in a comfortable position and focusing on clearing your mind can help your day get off to a great start.

How often should you and your family have an eye exam?

glaucomaHow often should you and your family have an eye exam?

Experts recommend a child’s first eye exam should occur between the ages of 3 to 5. Another eye exam should be scheduled before a child starts first grade. These exams are important ways to detect vision problems that could affect a child’s ability to do well in school. Depending on any eye issues, an eye care professional may recommend exams yearly or every two or three years after that point and into adulthood. If you have vision insurance, check to see how often routine exams are covered.

Vision exams can be important ways to catch serious issues early. The Glaucoma Research Foundation recommends eye exams every two to four years before age 40, every one to three years from age 40 to 54, and every one to two years from age 55 to 64. Once you reach age 65, an eye exam is recommended every six to 12 months.

That’s because while anyone can develop Glaucoma, it is much more common among older people. In fact, you are six times more likely to get Glaucoma if you’re over 60. Glaucoma occurs when the eye’s drainage system becomes clogged so the intraocular fluid — the clear fluid in the front part of the eye — cannot drain. Pressure builds within the eye as the fluid builds up, and that pressure damages the sensitive optic nerve and causes vision loss. Early detection is essential to avoid vision loss.

Enjoy the holidays, without a trip to the ER

Young woman wearing hardhat and safety glasses plugging in Christmas tree lights

The holidays are here! Will you be celebrating with holiday lights, Christmas trees, ornaments and other decorations? Here are some important safety tips to help you avoid being one of the estimated 15,000 people who will experience a home fire or end up in the ER this holiday season.

Take care with candles. Never leave candles unattended. Keep burning candles in sight, away from places where kids and pets can reach them or knock them over. Lit candles should be placed away from items that can catch fire, such as trees, other evergreens, decorations, curtains and furniture.

Inspect your holiday lights. Purchase your lights from a reputable retailer. Check lights for the mark of an independent safety testing laboratory. Examine new and old lights for broken or cracked sockets, frayed or bare wires, or loose connections. Do not use damaged light sets.

Keep live trees hydrated. Each year, hundreds of home fires nationwide are caused by live trees igniting, resulting in nearly one dozen deaths, dozens of injuries and approximately $16 million in property losses. Take steps to avoid a tree fire. Check for freshness when purchasing a live tree. The needles should be hard to pull from branches and shouldn’t break when bent. Preserve your tree while it is in your home by placing it away from heat sources, such as fireplaces or heating vents.

Be careful with ladders. Each year, many people are rushed to emergency rooms after falling from ladders. Read  “Ladder Safety 101” for tips to prevent ladder falls this season.

Buy age-appropriate toys. Play it safe this holiday season. Avoid toys with small parts for children younger than the age of 3. Make sure you’re purchasing toys that are age-appropriate. Don’t forget to include safety gear if you’re gifting a bicycle, scooter or other sports equipment.

Texting isn’t the only dangerous behind-the-wheel activity

transportation and vehicle concept - man drinking coffee and using phone while driving the carWhen someone mentions “distracted driving,” what do you think about? Most likely, it’s texting while driving. It’s a major cause of car accidents. But did you know that texting isn’t the only dangerous activity you can take part in while you’re driving?

Any distraction that takes your eyes —and mind — off the road has the potential to cause an accident. According to the National Highway Traffic Safety Administration, each day accidents caused by distracted drivers kill at least nine people and injure more than 1,153.

Most people don’t realize that eating, talking, drinking, shaving, putting on makeup, reading, adjusting in-dash controls, downloading music, changing the radio station, singing, interacting with children in the backseat and using navigation features all can increase your odds of an accident. Even hands-free devices can cause distraction, because your mind is partially on the conversation you’re having.

What can you do to make sure you don’t become a distracted driver? The most important thing you can do is to take away what is most distracting to you while you’re on the road. Tempted to reach for your phone to see who texted you? Do you find it difficult to not answer your phone while driving? Consider turning off your cell phone before you set out so that you don’t hear texts or calls coming through. Love to listen to music in the car? Adjust the radio or put in your CD before you shift into drive.

Make sure you keep your eyes and mind focused on what is around you on the road and keep your hands on the steering wheel at all times. And don’t be shy. If you are passenger and notice the driver is distracted, let them know that you aren’t comfortable with the way they are driving. The life you save may just be your own.

Act fast to have health insurance coverage in place for 2016

36740725_SOpen enrollment season is officially here! While you have until January 31 to purchase health insurance coverage during open enrollment, if you want your coverage to take effect on the first day of the new year, you need to act fast.

Open enrollment is a three-month period running from Nov. 1, 2015 to January 31, 2016. If you want your coverage effective on Jan. 1, 2016, however, you only have until Dec. 15, 2015 to enroll in a plan. That’s where we come in! We can work fast to help you find a plan that’s right for you, your lifestyle and your budget.

As an independent insurance agency, we can shop every qualified plan in the state, providing you with a variety of insurance companies and plans to choose from. According to the Department of Health and Human Services, consumers who failed to shop around last year overpaid for their health insurance coverage by an average of $300 per person. The best coverage choice for your family this year may not be the best option for 2016. And your existing health insurance plan may not even be available next year.

In addition to helping you shop for the best plan for you, we also can explore any financial incentives that may be available to you to help you purchase affordable coverage.

Is Jewelry Covered by My Homeowners Policy?

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Coverage for Jewelry

A personal articles floater provides coverage for possessions with higher monetary values like:

  • Jewelry
  • Cameras
  • China and Crystal
  • Firearms
  • Golf Equipment
  • Personal Computers
  • Silverware
  • Works of Fine Art

Why should I consider a Personal Articles Floater?

Benefit 1: A Personal Articles Floater will provide higher limits on your valuable items. 

A Personal Articles Floater provides much higher limits than a standard homeowners policy.  Claims are usually handled one of two ways:

  1. The insurance company will pay the amount to repair or replace the item.
  2. The insurance company will use an “Agreed Value” limit for the item.  This means that, in the event of a covered claim, your insurance company will simply just pay you the amount listed on the policy.

An Agreed Value limit is great when you’re insuring items like jewelry and other unique items because it means if you suffer a loss on a covered item, you will not have to negotiate a settlement price with the insurance company.

Keep in mind, though, that in order to have an Agreed Value limit on your policy on valuable items like jewelry, you may need to provide a copy of a current appraisal on the item.

Benefit 2: A Personal Articles Floater can actually provide additional coverage.

A standard homeowners policy does not include some insurance coverages that are very important for rare or valuable items.

For example, a Personal Articles Floater may include coverage for “mysterious disappearance” or losses due to “breakage.”  This means if you misplace a valuable piece of jewelry or accidentally break a fragile piece of art you will have insurance coverage for both instances.

Benefit 3:  Coverage for a Personal Articles Floater can be expanded worldwide.   

Your homeowners policy will typically only cover items located on the premises listed on the policy.   However, with a Personal Articles Floater you can rest easy knowing your items are protected, wherever they may be.

For example. if you lost a piece of jewelry while on vacation, your Personal Articles Floater policy would pay for a replacement.

Benefit 4:  Most Personal Articles Floaters do not have a deductible.

A standard insurance policy will usually include a $500 to $1,000 deductible.  A Personal Articles Floater is different; many of them actually remove the deductible.

This a great feature because it means any claims filed won’t result in out-of-pocket expenses.

Some Tips when Adding this Coverage

  1. Make sure to keep a detailed list of the items listed on the policy, including copies of the appraisals.
  2. Photograph each piece of your collection and store the photos in a safe place.  This will make it easy to list each item on you claim report if your entire collection is stolen or damaged.
  3. If you have a number of high value items, it may be in your best interest to store them in a safe deposit box or install a security system in your home.   Doing so will help discount the premiums on your policy as well.
  4. If you have something rare or unique not listed in the standard items above it may still be eligible for coverage.   Speak with your agent to find out what coverage options are available to you.

How Much Does the Coverage Cost?

Now the big question, right?   How much is this type of policy going to set me back?

The fact is Personal Article Floaters are actually much cheaper than you think given the coverage they provide.  The increased cost can be anywhere from $20 to $2,000 annually, depending upon the type of items insured and their associated value.

*The above information is to be used as guidance only, and should not be considered as definite in any particular case.   Every policy is different and you need to read through your policy and consult with your agent to best determine how your coverage will respond.  Within this article we simply cannot analyze every possible loss exposure and exception to the general guidelines above.

Preparing for Winter

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Winter Driving

Severe weather can be both frightening and dangerous for automobile travel. Here are some great tips for driving in the snow and dealing with winter road emergencies.

Tips for driving in the snow:

  • Accelerate and decelerate slowly. Applying the gas slowly to accelerate is the best method for regaining traction and avoiding skids. Don’t try to get moving in a hurry. And take time to slow down for a stoplight. Remember: It takes longer to slow down on icy roads.
  • Drive slowly. Everything takes longer on snow-covered roads. Accelerating, stopping, turning – nothing happens as quickly as on dry pavement. Give yourself time to maneuver by driving slowly.
  • The normal dry pavement following distance of three to four seconds should be increased to eight to ten seconds. This increased margin of safety will provide the longer distance needed if you have to stop.
  • Know your brakes. Whether you have antilock brakes or not, the best way to stop is threshold breaking. Keep the heel of your foot on the floor and use the ball of your foot to apply firm, steady pressure on the brake pedal.
  • Don’t stop if you can avoid it. There’s a big difference in the amount of inertia it takes to start moving from a full stop versus how much it takes to get moving while still rolling. If you can slow down enough to keep rolling until a traffic light changes, do it.
  • Don’t power up hills. Applying extra gas on snow-covered roads just starts your wheels spinning. Try to get a little inertia going before you reach the hill and let that inertia carry you to the top. As you reach the crest of the hill, reduce your speed and proceed down hill as slowly as possible.
  • Don’t stop going up a hill. There’s nothing worse than trying to get moving up a hill on an icy road. Get some inertia going on a flat roadway before you take on the hill.

Additional Information

AAA has put together a great brochure that includes tips for driving in the snow among other winter preparation tips.  To read the brochure, you can go to the following link: http://exchange.aaa.com/wp-content/uploads/2012/12/AAA-How-to-Go-Ice-Snow.pdf

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Avoiding Frozen Pipes

Before the Cold Hits:

  • Check for small holes or cracks in the exterior of your home and ensure they are insulated.
  • Cover around any water pipes that are on the inside of exterior walls.

If Your House is Occupied During the Winter:

  • Maintain temperature settings at 3-4 degrees higher than normal.
  • Turn on any faucets and allow a constant trickle.
  • Open any cabinet doors under sinks to allow heat to warm the pipes.
  • Insulate your pipes.
  • Shut off exterior faucets used for garden hoses from inside your basement and leave the exterior faucets open outside.

If Your House is Unoccupied During the Winter:

  • Set the thermostat no lower than 60 degrees and install a low heat alarm.
  • Have a plumber install a low water cutoff switch on a forced hot water boiler.
  • Have the water service shut off all to your house.
  • Drain all waterlines leaving drain valves open.
  • Shut off gas to the home.
  • Have the house checked weekly.


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Winterize Your Car

Before it’s starts snowing, it’s recommended that you have a mechanic check the following items on your car:

  • Antifreeze levels – ensure they are sufficient to avoid freezing.
  • Battery and ignition system – should be in top condition and battery terminals should be clean.
  • Brakes – check for wear and fluid levels.
  • Exhaust system – check for leaks and crimped pipes and repair or replace as necessary. Carbon monoxide is deadly and usually gives no warning.
  • Fuel and air filters – replace and keep water out of the system by using additives and maintaining a full tank of gas. A full tank will keep the fuel line from freezing.
  • Heater and defroster – ensure they work properly.
  • Lights and flashing hazard lights – check for serviceability.
  • Oil – check for level and weight. Heavier oils congeal more at low temperatures and do not lubricate as well.
  • Thermostat – ensure it works properly.
  • Windshield wiper equipment – repair any problems and maintain proper washer fluid level.
  • Install good winter tires – Make sure the tires have adequate tread. All-weather radials are usually adequate for most winter conditions. However, some jurisdictions require that to drive on their roads, vehicles must be equipped with chains or snow tires with studs.
  • Update the emergency kits in your vehicles with:
    • a shovel
    • windshield scraper and small broom
    • flashlight
    • battery powered radio
    • extra batteries
    • water
    • snack food
    • matches
    • extra hats, socks and mittens
    • first aid kit with pocket knife
    • necessary medications
    • blanket(s)
    • tow chain or rope
    • road salt and sand
    • booster cables
    • emergency flares
    • fluorescent distress flag

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Winterize Your Home

  • Winterize your home to extend the life of your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows, and installing storm windows or covering windows with plastic.
  • Winterize your house, barn, shed or any other structure that may provide shelter for your family, neighbors, livestock or equipment. Clear rain gutters; repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.
  • Maintain heating equipment and chimneys by having them cleaned and inspected every year.
  • Insulate pipes with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing. Running water, even at a trickle, helps prevent pipes from freezing.
  • All fuel-burning equipment should be vented to the outside and kept clear.
  • Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
  • Learn how to shut off water valves (in case a pipe bursts).
  • Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
  • Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow – or water, if drains on flat roofs do not work.