With the economy being what it is, we are more aware of what we’re spending and how to spend it. Do you know when the last time you checked your homeowner’s insurance policy? If you take a few minutes to look over your policy you may see that your home could be eligible for lower deductibles or new premiums. Saving money is important to all of us. Just remember if you lower your homeowner deductibles, you may have to spend more of your own money if a problem were to arise. Another way to save on home insurance is to take a policy out with your auto insurance provider or improving your home security. Improving your home security will give you the opportunity to cut your premiums. Take the time to ask your agent about different policies that would be best for you and your wallet.
For more information on home insurance or to get an estimate on how much proper coverage costs, get a free New York City Home Insurance quote today.
The holiday time is upon us that means parties, social engagements and long drives. Having late nights andlong distance drives can make a driver very drowsy which becomes more dangerous than you may realize.
According to the National Sleep Foundation’s Sleep in America poll, 60% of Americans have driven while feeling sleepy and 37% admit to actually having fallen asleep at the wheel in the past year.
Follow the tips from the National Sleep Foundation before hitting the road:
* Get a good night’s sleep.
* Plan to drive long trips with a companion. Passengers can help look for early warning signs of fatigue or switch drivers when needed. Passengers should stay awake to talk to the driver.
* Schedule regular stops, every 100 miles or two hours.
* Avoid alcohol and medications (over-the-counter and prescribed) that may impair performance. Alcohol interacts with fatigue, increasing its effects — just like drinking on an empty stomach.
* Take a 15 to 20-minute nap. More than 20 minutes can make you groggy for at least five minutes after awakening.
* Consume the equivalent of two cups of coffee. Caffeine is available in various forms (e.g. soft drinks, energy drinks, coffee, tea, chewing gum, tablets) and amounts; remember, caffeine takes about 30 minutes to enter the blood stream and will not greatly affect those who regularly consume it. For best results, try taking caffeine and then a short nap to get the benefits of both
In the recent years, there have been natural disasters and sudden emergencies that many of us are not prepared for. Have you thought about what you would do in case of emergency? Where would you go? How would you get in touch with friends and family? Most importantly, do you think if there were a disaster, would you be prepared at this moment, are you ready?
Step 1 of being prepared is to plan ahead. Step 2 is to practice your preparation. Follow these steps to prepare for any emergency:
Arrange an Evacuation Ahead of Time
Set a place you and your family can go in event of an evacuation. It is best to have more than one place to go and be sure to keep phone numbers and addresses handy in your home if you ever need them.
Create different routes to your safe location. The best way you know may not be available if you need it.
If you are separated from your family, designate a location where you can all reconvene.
2. Create a Home Inventory
It always helps to know what you have so you can have enough insurance to cover your possessions. This is always help the your claims process.
Having a list of your home possessions will allow you to organize and list your possessions. Also having digital images of your valuables will help show the condition of your stuff.
3. What to Take
Medicines, prescriptions and first aid kit
Clothing and bedding (sleeping bags, pillows)
Flashlight, battery-powered radio and extra batteries
Special items for infants or elderly or disabled family members
Computer hard drive or laptop
If you have a pet, bring their food and other items for pets (litter boxes, leashes)
4. Bring Important Document
Birth and marriage certificates
Passports, Drivers license and Social Security cards
Wills, deeds and recent tax returns
Bank, savings and retirement account numbers
5. Take the Ten-Minute Challenge
In the end to find out if you are really prepared, if you planned and practiced, you should be able to gather everything listed and be on the road safely in 10 minutes. By planning ahead, you’ll be able to gauge how much more practice you may need or if you need to rethink your plan. For more information on home insurance or to get an estimate on how much proper coverage costs, get a free New York City Home Insurance quote today.
Your landlord’s homeowner’s insurance policy will most likely not cover your personal possessions. The policy will most likely cover the home you are renting but it may not cover you and your assets.
Renters often do not think about getting individual coverage for themselves. It is important to realize that renter’s insurance is different from homeowner’s insurance that your landlord will have. Renter’s insurance policies will include coverage for personal contents and possessions, damage of property that will allow you to live somewhere else and liability coverage.
Most renters will wonder about opening a policy when it is too late. Renter’s insurance is more affordable that homeowners insurance. Ask your agent for more details or get a free New York City Renters Insurance quote today.
Did you know that frozen pipes ruin an average of a quarter million homes each winter? Frozen pipes freeze, burst and disrupt homeowners lives. Unfortunately, you can’t just call your local plumber to fix these burst pipes and the damage it could cause could be devastating. Here are some precautions to save you money, chaos and the stress frozen pipes cause.
Before the cold winter weather ensues:
Insulate the pipes in your home including crawl spaces and your attic. The more insulation used, the better the chance of your pipes will be protected.
Seal any leaks that allow cold air insure your home. Use caulk or insutlation to keep out the cold and heat in (Plus, this will help you save on heating costs). Even the tiniest of openings can cause pipes to freeze if it’s just that cold outside.
If possible, shut off and drain water from pipes leading to outside faucets.
When the temperature drops:
A trickle of hot and cold water might be all it takes to keep your pipes from freezing.
Allow heat to reach un-insulated pipes under sinks and appliances.
What to do if you go away:
Set the thermostat in your to at least 55°F (12°C).
Ask a friend, neighbor or family member to check on your house.
Shut off and drain the water system. (If you have fire protection sprinklers, this will deactivate when the water is shut off).
If your pipes freeze:
Don’t chance anything.
If you turn on your faucets and nothing happens, leave the faucets on and call a plumber.
If you notice that your water pipes are frozen and did burst, turn off the main shut off valve, leave the faucets turned on.
Do not try to thaw a pipe by any means of fire or open flame. You could burn your house down rather than just have water damage.
Most people think parking lots are generally safe areas. They are public and there is constant traffic in the parking lot. Yet, we often do not think of the risks in parking lots. Most drivers believe that once they get to their car, they are safe. However, many attackers hide near parked cars. When finding a parking space, try not to park in a dark secluded area. If at all possible, do not walk by yourself in a parking lot especially at night. When leaving your place of business, mall or just entering a parking lot, if you feel unsafe, do not hesitate to ask someone, security, friend or co-worker to escort you to your car . The last thing you would want is to feel insecure walking through a parking lot.
Remember to drive safely in parking lots too! Fender benders can easily happen in parking lots. Always be conscious to look for yield signs, stop signs or even other drivers who are not paying attention to those signs. Don’t forget to watch out for other drivers cutting through parking lanes to find the quickest exit. Another thing to remember when driving in parking lots is to be mindful of wandering pedestrians. If there is high traffic, people tend to zip out in front of cars in order to rush to their own.
Parking lots are not always the safest places to drive. Always keep in mind to look out for pedestrians in a rush and cars that are driving recklessly. Be safe!
You may not own the place where you live but protecting yourself with Renter’s Insurance could be the best thing you could ever do. Even though it’s not the first type of insurance you have in mind, having renter’s insurance is just as important.
As a renter, you are opening an insurance policy on your personal possessions rather than your residence or property. Renter’s insurance protects the items you own. If there is an emergency, you can receive aid for a temporary living situations or assistances with your damaged goods. Renter’s insurance covers liabilities or damage you may cause to the owner’s property. If you are an renter, looking into Renter’s Insurance policies could save things you never thought you could save.
If you are wondering how much Renter’s Insurance will cost for you, get a freeNYC renter’s insurancequote today.
Car insurance is vital when owning a car. Whether you are first time car owner looking to open a new auto insurance policy or just shopping around for a new coverage, there are several things to consider when purchasing insurance.
Remember, the company you enroll with should be an established and trustworthy. Since there are many companies vying for your business, it is important to examine the quotes you are receiving from each insurer to make sure the premiums are the same coverage to accurately compare. As we all know, price is usually our first priority. After you research various prices, keep in mind to look over the customer reviews made by current and former clients as well as online reviews. They will help you find out how each company will handle your business and claims. This will narrow down who you would like to open an insurance policy with.
Finding auto insurance can be difficult. Once you find a reputable agent to help you, ask questions. They are there to help you and will be able to decipher what is the best option for your car coverage. You may be able to save some money when you customize your insurance to the value of your car. Each policy is tailored to the individual and their needs. Your agent will be help you with your questions and needs. Get a New York City Auto Insurance Quote today.
Commercial property insurance can be costly in this day and age. There are some solutions to aid in costly premiums. One of the best ways to save money on your policy and aid in the safety of your property is to install alarm systems, fire doors and implementing data back-up systems for your computer’s accounts and business records. Comparing costs can vitally help you and your company’s safety and property protection.
Your insurance agent can kept you update to date on any changes in your business that could affect your insurance needs. Protecting your business and property is extremely important so be sure to ask questions and research how you can improve safeguarding your commercial property.
H1N1 Flu has made us cautious when someone randomly coughs or sneezes. We may now fear it will potentially turn into a harmful disease as opposed to thinking nothing of it in previous years. H1N1 Flu, Swine Flu, was first detected in April 2009 with a pandemic warning June 2009. As flu and cold season approaches, we should take a few precautions in taking care of our loved ones and ourselves.
The most important things you could do to protect yourself from any germs especially Swine Flu is to wash your hands often! Guard your sneezes and coughs by doing so into a tissue or in your arm to limit the spread of germs. Remember to eat, exercise and stay hydrated. If you do not feel well, stay home and call your doctor for a check up if your symptoms persist.
Taking care of ourselves is the most important we can do. Your flu shot from last year will not protect you this year and you will need the H1N1 vaccine to protect you from the swine flu this year. The following links will help you learn more about H1N1, how to protect yourself and vaccinations.
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