Christmas Light Safety Do’s and Don’t

Strands of sparkling holiday lighting make your home feel merry and bright, especially on a gloomy December day. However, if installed incorrectly, they have the potential to damage your home or electrical system. Before you grab your ladder and boxes of lights, review our list of do’s and don’ts for hanging holiday lighting strands safely. DO’s: EXAMINE LIGHTS BEFORE HANGING - Return or throw away any holiday lighting sets with cracked or broken sockets, loose connections or frayed or bare wires. Replace burned-out bulbs promptly [...]

5 Questions Newlyweds Have About Life Insurance

  Many exciting elements make up life as a newlywed, especially when you’re just coming off the thrill of a wedding and honeymoon. You may be looking forward to settling into a new routine, while simultaneously being aware that there are certain plans you need to make together for the future. Although it may not be the first thing on your mind as a newlywed, creating a strong financial plan for your future should be an important point on your to-do list. Moreover, your financial [...]

Heat Safety: How to Recognize and Respond to Heat-Related Illnesses

Summer is here, and with it comes to the sun, heat, and the potential for heat-related illnesses. As temperatures soar, it's crucial to understand how to recognize and respond to heat-related illnesses to stay safe and prevent serious health risks. Here are some essential tips for heat safety, whether you're spending time outdoors, exercising, or working in hot conditions. Know the signs of heat-related illnesses: Heat-related illnesses can range from mild conditions like heat cramps to severe conditions like heat exhaustion or heat stroke, which [...]

Grilling Tips for Safety

As the weather warms and summer returns,  it’s time to GRILL!   There are risks that come along with grilling, regardless of which type of grill you are using. Every year, 7,000 Americans are injured while using  barbecue grills. It's usually a case of good products used incorrectly. You can prevent grilling accidents and insurance claims by ‘brushing up’ on these tips. Only use your grill outside and keep it at least 10 feet away from your house. Farther is even better. This includes portions attached to [...]

Water Safety: How to Stay Safe in Pools, Lakes, and Oceans

Water can be a great source of fun and relaxation, but it can also be dangerous if you don't take proper precautions. Whether swimming in a pool, lake, or ocean, it's important to be aware of potential hazards and to take steps to stay safe. Here are some tips for water safety that you should keep in mind. Learn to Swim The first and most important step to staying safe in the water is to learn to swim. Everyone should learn to swim, regardless of [...]

How to Take Care of your Air Conditioner This Summer

Summer is here and that means increased outside temperatures and consistently high humidity. However, if your A/C unit isn’t working properly, it can lead to more than mere discomfort. Ignoring regular maintenance can turn into costly repairs and replacement. Avoid that scenario by keeping your air conditioner in top shape. Here’s three reasons why we urge you to have your A/C inspected and maintained and make it a priority this summer: Protects Important Equipment It can be expensive to replace an air conditioner, especially if [...]

Yard Work Safety Tips to Keep You Out of the ER

Amid all the green lawns and manicured gardens of summer lies a grim statistic: Every year, while mowing the grass, cutting a branch, or power washing a deck, at least 100 people die and an estimated 143,000 are injured badly enough to require a trip to the emergency room. The injuries people suffer run the gamut from overexertion and dehydration to cuts and amputations from using all kinds of power equipment. It's also worth noting that in our research, we also came across a disturbing [...]

What Happens If My Neighbor’s Tree Falls in My Yard?

Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible. The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of [...]

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