March 11 is National Worship of Tools Day. This is a day to go out to the garage, shed, or wherever you keep your tools; clean them, reorganize them, make something new with them, or maybe go buy a new one. Even better, call your insurance agent to ensure your tools are covered on your policy!
Take a minute to look up on a windy day. Are your shingles clapping? Are your gutters dangling? Is your siding clapping? If you can answer ‘yes’ to any of these questions, that is a sure sign that you need maintenance on your home ASAP or you will risk water damage. Take the extra step to prevent a loss!
With the cold weather officially set in, don’t be a victim to frozen pipes. Use these tips to prevent your pipes from freezing.
Equipment Breakdown coverage is now available through your home insurance! Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to electrical, mechanical, or pressure systems breakdown. Equipment Breakdown coverage is only $48 per year and covers the following items:
? Washers and dryers
? Computer equipment
? Garbage disposals
? Heating and air conditioning units
? Home security systems
? Lighting and home environment monitoring
? Sump pumps
? Sound systems
? Swimming pool equipment
? Water heaters
? Well pumps
Talk to your agent about adding this to your policy!
Did you know we have a fault line right here in Missouri?! According to the Missouri Department of Natural Resources, a sequence of earthquakes occurred near New Madrid, MO in 1811-1812 that included three of the most intense to ever occur in North America. Each year, about 200 shocks are detected near the fault line.
You have the ability to ensure that your home is protected in the event of an earthquake. Talk to your agent about adding earthquake coverage to your policy!
If you are using alternative heating methods in your home this winter, ensure that you keep your family and your home safe by following these tips from the Missouri State Fire Marshal.
- Never use your oven to heat your home
- Keep anything that can burn at least three feet away from heating equipment
- Have heating equipment and chimneys inspected every year
- Never plug a space heater in to a power strip
Did you know that you can insure your home while it is under construction? Your property is important to us. If you are in the process of building, give us a call to learn about how you can insure your new build with our Builder’s Risk policies.
If you are feeling like Clark Griswold this year, be sure that your Christmas lights and decorations are installed properly. According to the National Fire Protection Association, U.S. fire departments respond to an average of 780 house fires that are caused by Christmas lights. Follow these simple tips to avoid a fire:
? Inspect your lights before installing them
? Never overload a circuit
? Turn off all lights before leaving the house or going to bed
? Use heavy-duty extension cords
According to CNN, home burglaries are up by 13% in the month of December. If you are traveling this holiday season, consider these helpful tips to keep your home safe.
? Never leave your keys outside. Give your house keys to a sitter or neighbor in person.
? Leave a light on. Make burglars think that you are home by leaving the kitchen or bathroom light on.
? Hide your valuables. Be sure to close your blinds so that your possessions are out of sight.
? Use a security system. If a security system is out of your budget, put up a fake security sign in your yard.
? Notify someone. When making your plans to leave town, inform a trusted neighbor or family member and ask them to drop by periodically and scope out the property.
With winter approaching, is your shed covered in the case of a collapse from ice or snow? According to recent data from FEMA, it can take anywhere between 2-4 feet of snow to collapse a roof. Ensure you’re protected by contacting your agent to add Weight of Ice and Snow coverage to your outbuildings!