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Auto Insurance
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Preferred Rates
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Multi Policy Discounts
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All Drivers |
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Here are a few safety tips to minimize your chances of being involved in an accident:
During inclement weather:
- Always have your headlights on.
- Beware of “Black Ice”.
- Keep windows clear of snow and ice for full views all around.
- Make sure you have a full tank of gas in case you get stuck and need to stay warm in your car.
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If you are involved in an accident:
- Alert the authorities immediately, no matter how minor the accident appears to be.
- Have your I.D. card and insurance card in a convenient place in your vehicle.
- Stay clear of other oncoming traffic. You don’t want any more possible injuries while you are waiting for the authorities.
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Homeowners Insurance - Protecting your house and belongings
A homeowner’s insurance policy protects you from damage that may affect the value of your home. A standard homeowner’s policy also includes personal liability and theft coverage.
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An inventory of your possessions not only helps you determine how much homeowner’s insurance you should carry, but it can also help you get your things replaced (or returned) if they should be stolen.
Detailed records of antiques, jewelry, silver, sporting goods, major appliances, and collector’s items are very important, as these items are difficult to value once they are lost. |
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Photographic inventory tips:
A camera is a useful tool in taking inventory of your home. Here are some guidelines to follow
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Use a camera with a flash, or a video camera.
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Use color film (slide or print).
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Make sure all photos/videos are dated
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Use wide- angle shots of the whole room, then take several close-ups for detail. Start in one corner then work your way around so nothing is missed.
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Sometimes, having a family member in a photo helps substantiate ownership.
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Open closet doors to show clothing quantities.
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Don’t forget power tools.
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Angle flash for jewelry pictures so as to avoid glare.
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Photograph name of china patterns along with a picture of the pattern.
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Photograph contents of insides of drawers. |
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Here are some tips for home maintenance:
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Periodically check roof for weak areas, possible leaks.
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Change batteries in smoke detectors every daylight savings time.
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Make sure air conditioning filters are clear for the most energy efficient use. |
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