Insurance Tips

We know insurance can be confusing. We hope these tips will help keep your valuables safe and your premiums low.

Protecting Fine Art Investments

-Avoid displaying artwork underneath a bathroom hvac vent, sprinkler head, or water-using appliance.

-Hire professional art installers to hang works of art on the wall.

-Hire only reputable companies that specialize in transporting valuable works.

-Be cautious displaying art in high traffic areas of the home.

Remember Safety First While Driving...It's the Law!

A state wide texting-while-driving ban is now in effect, and it is among the strictest in the nation for young people.

If you are 18 or older, it is illegal - and finable up to $150 - to write, send, or read any text while behind the wheel.

if you are 17 or younger, whether your license is temporary or permanent, it is illegal to use any electronic hand-held device for any reason. That means no texting, no emailing, no calling, no talking, no GPS use, and no changing songs on an iPod.  It is a primary offense and could lead to fines and a suspension of your license.

What to do if you are involved in an auto accident

Once you have contacted the police, it is important to gather the following information from others involved in the accident. Do not rely on police to gather all of this information:

  1. The names, phone numbers, and addresses of the drivers involved.
  2. The insurance company names and policy numbers of the drivers involved.
  3. License plate number of all vehicles involved in the accident.
  4. The make and model of each vehicle involved.
  5. If there are witnesses, gather their contact information.
  6. If you have a cell phone with a camera, or happen to have a camera handy, take photographs of damage to all vehicles involved in the accident.

Once you have gathered all of the information, contact your insurance agent/carrier as soon as possible.

Protecting Jeweled Treasures

-Obtain a new jewelry appraisal every 3-5 years.

-Place valuables in an in-home safe tied to a centrally monitored alarm system.

-Keep track of your jewelry, which is twice as likely to be lost or misplaced than stolen.

-Get a security system, as 60% of burglars avoid houses with alarms.

 

Personal Property

Create a video inventory, or a catelogue of pictures, of all your property and possessions in your home.  Create multiple copies or save the data to two or more USB drives, and store the information in two locations away from your home (e.g. your office, a safety deposit box).  In the event of a significant or total loss, this information will greatly help when it comes to filing and settling a claim.

Electrical Precautions

Check all outlets for any potential fire hazards, including frayed wires and loose-fitting plugs.  Do not overload outlets, fuse boxes, extension cords, or other power service devices.

Landscape and Trees

Remove all dead trees from your yard, and keep all healthy trees and bushes trimmed and away from electical utility wires.

Roof Inspection

Check for damage to your roof, and clean gutters and downspouts to keep any debris from accumulating. Also, be sure to position your downspouts at least three feet away from the foundation of your home.

Smoke Detectors

Inspect your smoke detectors and make sure that you have one on each floor of your home.  Test the detectors monthly and changed the batteries annually (or as needed).

Passwords

Keep your passwords safe and secure.