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Today celebrates a milestone…25 years with Auto Owners Insurance Company

Feb 6, 1987 Ronnie Watson inked a contract with Auto Owners Insurance Company in Lansing MI.  25 years later they have a become a great instrumental part of our agency.  With an A++ rating and outstanding Commercial and Personal Lines product lines.  Thanks to Regional Vice President Alice Hamm and Market Rep Brandi Wilson for our nice 25 year token of appreciate and lunch.

Posted in Auto Insurance, Business Insurance, Home Insurance, Life Insurance, Renters Insurance | Leave a comment

Power outage? how do you save your food? Find out in this article from FEMA

Keeping Food Safe During an Emergency
Did you know that a flood, fire, national disaster, or the loss of power from high winds, snow, or ice could jeopardize the safety of your food? Knowing how to determine if food is safe and how to keep food safe will help minimize the potential loss of food and reduce the risk of foodborne illness. This fact sheet will help you make the right decisions for keeping your family safe during an emergency.

ABCD’s of Keeping Food Safe in an Emergency

Always keep meat, poultry, fish, and eggs refrigerated at or below 40 °F and frozen food at or below 0 °F. This may be difficult when the power is out.

Keep the refrigerator and freezer doors closed as much as possible to maintain the cold temperature. The refrigerator will keep food safely cold for about 4 hours if it is unopened. A full freezer will hold the temperature for approximately 48 hours (24 hours if it is half full) if the door remains closed. Obtain dry or block ice to keep your refrigerator as cold as possible if the power is going to be out for a prolonged period of time. Fifty pounds of dry ice should hold an 18-cubic foot full freezer for 2 days. Plan ahead and know where dry ice and block ice can be purchased.

Be prepared for an emergency…

… by having items on hand that don’t require refrigeration and can be eaten cold or heated on the outdoor grill. Shelf-stable food, boxed or canned milk, water, and canned goods should be part of a planned emergency food supply. Make sure you have ready-to-use baby formula for infants and pet food. Remember to use these items and replace them from time to time. Be sure to keep a hand-held can opener for an emergency.

Consider what you can do ahead of time to store your food safely in an emergency. If you live in a location that could be affected by a flood, plan your food storage on shelves that will be safely out of the way of contaminated water. Coolers are a great help for keeping food cold if the power will be out for more than 4 hours—have a couple on hand along with frozen gel packs. When your freezer is not full, keep items close together—this helps the food stay cold longer.

Digital, dial, or instant-read food thermometers and appliance thermometers will help you know if the food is at safe temperatures. Keep appliance thermometers in the refrigerator and freezer at all times. When the power is out, an appliance thermometer will always indicate the temperature in the refrigerator and freezer no matter how long the power has been out. The refrigerator temperature should be 40 °F or below; the freezer, 0 °F or lower. If you’re not sure a particular food is cold enough, take its temperature with a food thermometer.

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Wrapping paper in the fireplace…not so good of an idea…

Christmas morning in many homes means unwrapping gifts in front of a cozy fireplace. And every year, local fire departments across the country warn people not to toss all that wrapping paper into the flames, for very good reason: It might start a serious chimney fire.

Still, some people do it. And if they do, they might see strange colors in the flames, like blue and green.

“Just think about fireworks,” says Sidney Katz, a chemist who is just starting his retirement after a long career at Rutgers University. He explains that when people watch fireworks on the Fourth of July, “the colored pyrotechnics are different chemical compounds at high temperature.”

Something similar can happen in a fireplace if people burn colored gift wrap. Some metals found in certain ink pigments will react with heat. Barium-based pigments are used in some red ink, for example, and when burned could produce a green flame.

About three decades ago, Katz made news during the holiday season because he had bought a bunch of gift wrap, tested it in the lab, and found high levels of toxic metal. He says back then, yellow pigment was often lead chromate.

“My concern was what you do with Christmas wrapping papers,” says Katz, noting that “if you burn it, you create airborne particulates which are inhaled.”

Or, he says, young children might even chew on the stuff.

Over the years, Katz says, U.S. manufacturers have switched to safer, alternative pigments. “If it’s made by Hallmark and it’s made with American pigments, it’s probably OK,” he says. But he adds that it would be impossible for a consumer to look at gift wrap made overseas and know what pigments are in it.

Gary Jones is director of environmental, health and safety affairs for a trade group called Printing Industries of America. He says today’s printing ink does use safe pigments, but when something is burned, it can change.

“You know, you’re not dealing with a pigment at that point — you’re looking at what happened as a result of burning a pigment, or burning a metal,” Jones says. He says you would not want to breathe that smoke, or really any smoke at all.

Neal Langerman agrees that breathing any kind of smoke is generally a bad idea. He runs a consulting firm called Advanced Chemical Safety in San Diego. Still, he didn’t seem too concerned about the whole wrapping-paper-in-the-fireplace scenario.

“I’ll bet I’ve tossed a crumbled up gift-wrap paper ball in a fire on a holiday on occasion,” Langerman says, adding that it’s nothing to worry about. He says a fireplace ensures that smoke really doesn’t come into the room and produce any meaningful exposure. Instead, it goes up the chimney.

But beware: Burning pieces of paper could also float up the chimney and start a fire. So experts say the safest thing to do is throw out that holiday paper, or recycle it

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Christmas Lights Safety Tips

When you put up Christmas lights this season – or holiday lights during any season – be sure to follow these Christmas light safety tips.

     

  • Choose Christmas lights that have been tested and deemed safe by a reputable testing laboratory, the best are UL or ETL. Christmas lights listed as safe by these laboratories will note that on the packaging. 
  • Try to use the cooler-burning “mini” Christmas lights as opposed to the traditional larger bulbs. The older style burns much hotter. 
  • Only use Christmas lights that have fuses in the plugs. 
  • Inspect each set of Christmas lights – old or new – for damage. Return or throw out any set with cracked or broken sockets, frayed or bare wires, or loose connections. 
  • Replace burned out bulbs promptly with bulbs of the same wattage. 
  • Never hang Christmas lights on a metal tree. The tree can become charged with electricity and shock someone. The tree can also short out the Christmas lights and cause a fire. 
  • Want Christmas lights outdoors? Use outdoor Christmas lights. The packaging will note whether the lights can be used indoors, outdoors, or both. 
  • All outdoor electrical decorations should be plugged into a ground-fault circuit interrupter (GFCI). You can buy portable units for outdoor use, or you can have them permanently installed by an electrician. 
  • Use extension cords properly. Outdoor cords can be used inside or outside. Do not overload extension cords – they can get hot enough to burn. 
  • Stay away from powerlines or feeder lines (these go from the pole to the house). 
  • Secure outside Christmas lights with insulated holders (never use tacks or nails) or run strings of lights through hooks. 
  • When you leave or go to bed at night, turn off your Christmas lights. 
  • Never pull on a string of Christmas lights, it stresses the cords and can lead to fraying. Store Christmas lights loosely wrapped for the same reason.
  •  

Posted in Uncategorized | 1 Comment

Cold Weather Home Checklist

  • Have the furnace inspected by a certified technician. Better to do this rather than have the furnace malfunction when the weather gets really cold.
  • Buy furnace filters and change once each month. This will keep the indoor air cleaner and make it easier for the furnace to circulate the air.
  • Inspect the fuel tank and fuel line for leaks if you use home heating oil. If there is a leak, have a professional repair the leak.
  • Have the chimney inspected annually and cleaned if needed.
  • Consider installing a programmable thermostat to conserve fuel and reduce heating costs. It is a good idea to program your thermostat for lower temperatures during sleep hours and when family members are at work and school. Program for 68 degrees Fahrenheit during waking hours.
  • Install a carbon monoxide detector or replace the battery in the one already in the home.
  • Change the batteries in smoke detectors – the end of Daylight Savings Time is a good reminder for this.
  • In the fireplace or wood stove, burn only seasoned, dried wood to prevent creosote accumulation. Never burn trash in the fireplace or in a wood stove.
  • Repair or replace broken glass in windows and doors to prevent cold air from getting indoors.
  • Conserve electricity – turn off lights, televisions and computers when not being used.

Conserving energy use at home not only reduces costs, but conserves energy resources and reduces air pollution. Using a fireplace properly also reduces outdoor and indoor air pollution and lowers the risk of starting a chimney fire. Make sure you keep fireplaces and stoves clean during colder months, there can be high levels of particle pollution that make the air unhealthy – indoors and out.

Posted in Home Insurance | Leave a comment

The weather getting colder here in the South it is time to get those fireplaces going! Here a few helpful hints

Fireplace and Home Fire Safety

More than one-third of Americans use fireplaces, wood stoves and other fuel-fired appliances as primary heat sources in their homes. Unfortunately, many people are unaware of the fire risks when heating with wood and solid fuels.

Heating fires account for 36% of residential home fires in rural areas every year. Often these fires are due to creosote buildup in chimneys and stovepipes. All home heating systems require regular maintenance to function safely and efficiently.

The United States Fire Administration (USFA) encourages you to practice the following fire safety steps to keep those home fires safely burning. Remember, fire safety is your personal responsibility …Fire Stops With You!

Keep Fireplaces and Wood Stoves Clean

  • Have your chimney or wood stove inspected and cleaned annually by a certified chimney specialist.
  • Clear the area around the hearth of debris, decorations and flammable materials.
  • Leave glass doors open while burning a fire. Leaving the doors open ensures that the fire receives enough air to ensure complete combustion and keeps creosote from building up in the chimney.
  • Close glass doors when the fire is out to keep air from the chimney opening from getting into the room. Most glass fireplace doors have a metal mesh screen which should be closed when the glass doors are open. This mesh screen helps keep embers from getting out of the fireplace area.
  • Always use a metal mesh screen with fireplaces that do not have a glass fireplace door.
  • Install stovepipe thermometers to help monitor flue temperatures.
  • Keep air inlets on wood stoves open, and never restrict air supply to fireplaces. Otherwise you may cause creosote buildup that could lead to a chimney fire.
  • Use fire-resistant materials on walls around wood stoves.

Safely Burn Fuels

  • Never use flammable liquids to start a fire.
  • Use only seasoned hardwood. Soft, moist wood accelerates creosote buildup.
  • Build small fires that burn completely and produce less smoke.
  • Never burn cardboard boxes, trash or debris in your fireplace or wood stove.
  • When building a fire, place logs at the rear of the fireplace on an adequate supporting grate.
  • Never leave a fire in the fireplace unattended. Extinguish the fire before going to bed or leaving the house.
  • Soak hot ashes in water and place them in a metal container outside your home.

Protect the Outside of Your Home

  • Stack firewood outdoors at least 30 feet away from your home.
  • Keep the roof clear of leaves, pine needles and other debris.
  • Cover the chimney with a mesh screen spark arrester.
  • Remove branches hanging above the chimney, flues or vents.

Protect the Inside of Your Home

  • Install smoke alarms on every level of your home and inside and outside of sleeping areas. Test them monthly and change the batteries at least once a year. Consider installing the new long life smoke alarms.
  • Provide proper venting systems for all heating equipment.
  • Extend all vent pipes at least three feet above the roof.

Posted in Home Insurance | Leave a comment

Renting a Car shouldn’t require a MBA. Learn the following tips to make your next rental car less expensive and stressful.

You use the Internet to find good airfares and you seek out the best room rates for each night of your trip.

Do you give car rentals the same attention?

Many travelers operate under the misconception that car rental rates are all about the same, and that shopping is a waste of time. But rates do vary–sometimes by quite a bit–between companies and destinations.

Another truth: car rental companies reward people who make life easy for them and penalize those who don’t know the ropes. Here are five tips, in no particular order, for lowering your car rental expenses.

Beware of hidden fees and extras.

If the rental company has to top-off the gas tank after your return, you will pay a ridiculous price per gallon. Always ask that the car be filled up prior to your departure, and then bring it back full of gas.

There are plenty of other additional charges that can take a nice rate to an ordinary deal very quickly. A weekly rate of $125 showed up recently for a compact rental out of San Antonio International Airport. That’s about $18/day. Not bad.

Go to the reservation page, and you learn that taxes and fees add more than $50. There’s 10% sales tax, something called a vehicle license fee of nearly $19 and an “arena fee” of $7.19. Now I’m paying more than $25/day. Keep that in mind when you see rates under $20/day advertised.

Airport rentals are best avoided.

In that previous example, there was also an $11.51 “airport fee.” It’s often very convenient to rent a car at the airport, but keep in mind that you’ll pay for the privilege. If you’re on a business trip, many times you can rent a car from your downtown hotel. If you can conveniently arrange a hotel shuttle or public transportation from airport to front desk, chances are good you’ll save money taking delivery off the airport grounds.

Decline the insurance.

Most travelers know this one, but there is a lot of pressure to change minds at the rental counter. Companies make big profits from insurance fees. Some clerks are trained to create as much anxiety as possible for people who decline it.

They’ll tell you their insurance closes expensive loopholes, which may or may not be true in your case. They’ll tell you stories about how a customer’s auto insurance or credit card failed to cover damages during a recent accident.

There may be truth in the stories, but the odds are slim that you’ll need any of this coverage. It is very likely, however, that your auto insurance policy at home covers rentals as well. Call your agent to verify it.

Also check with your credit card company to see if using the card to pay for a rental provides collision coverage. In many cases, you’ll find it a positive response.

In smaller offices, reserve the smallest car possible.

Most North Americans who rent cars don’t like driving compacts. Rental companies know this, and they usually order more mid-size and full-size cars.

If your destination is a smaller facility or non-hub airport, chances are good that they have only a few compacts. On some days, they might not have any compacts when customers arrive.

In that situation, if you’ve reserved a compact, they are obligated to give you a free upgrade. Many times, you’ll move up two categories for no additional charge.

I’ve done this many times over the years. Remember: you can usually pay an upgrade fee on the spot for a larger car if they call your bluff and tell you the compact is ready to go. There will be times when the smallest cars are all that remains on the lot. Those times are fairly rare.

In larger facilities, where the supply of cars is huge, this plan is far less likely to work. But it might be worth a try if you’re willing to risk getting a smaller car.

You’re also unlikely to make this strategy pay outside of North America. The rest of the world often prefers very small, fuel-efficient cars.   

 recent search on Hertz.com showed a three-day rental of a mid-sized car from Denver International would cost $236 USD, nearly $79/day. If four more days are added, the total cost goes up, but only to $361. That’s less than $52/day.

How is that possible?

On day five, Hertz’s weekly rate took effect. Many times, reserving a car for a week (even if it sits in a driveway or parking lot) is cheaper than trying to get a daily rate on a shorter rental.

For that reason, it pays to try a number of time combinations when you consider your rental period. It might be smarter to pick up the car on Thursday, even if you don’t really need it until Friday. The Friday rental might come with a weekend rate that is more expensive.

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Life Insurance. Do I need it?

Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependent on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. But there are instances where life insurance can be beneficial even if you have no dependents, such as your desire to cover your own funeral expenses. Here are some guidelines to help you decide if life insurance is the right choice for you:

1. Children: Children do not need life insurance. Yes, there have been cases where life insurance for one’s child has been a blessing, but in the majority of cases, children do not need life insurance since no one depends on income from them.

2. Beginning Families: Life insurance should be purchased if you are considering starting a family. Your rates will be cheaper now than when you get older and your future children will be depending on your income.

3. Established Families: If you have a family that depends on you, you need life insurance now! This does not include only the spouse or partner working outside the home. Life insurance also needs to be considered for the person working in the home. The costs of replacing someone to do domestic chores, home budgeting, and childcare can cause significant financial problems for the surviving family.

4. Young Single Adults: The reason a single adult would typically need life insurance would be to pay for their own funeral costs or if they help support an elderly parent or other person they may care for financially. Otherwise, if one has other sources of money for a funeral and has no other persons that depend on their income then life insurance would not be a necessity.

5. Non-Child Working couples: Both persons in this situation would need to decide if they would want life insurance. If both persons are bringing in an income that they feel comfortable living on alone if their partner should pass away, then life insurance would not be necessary except if they wanted to cover their funeral costs. But, maybe in some instances one working spouse contributes more to the income or would want to leave their significant other in a better financial position, then as long as purchasing a life insurance policy would not be a financial burden, it could be an option. For a low cost life insurance option look into Term Life Insurance

6. Elderly: As long as you do not have people depending on your income for support, life insurance at this stage in life would not be necessary, unless again, you do not have any other means to pay for your funeral expenses. But, be aware that purchasing a life insurance policy at this age can be very expensive. Before doing so, first talk to a financial advisor or accountant about looking into other saving options to pay for your funeral costs before considering life insurance.

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What do to when you have an auto accident

A Checklist to Help Ease Your Mind

It’s pretty hard to remember what to do after the initial shock and surprise of an accident. Car accidents happen to many responsible drivers. If you are involved in a car accident, follow these tips to make sure you are prepared.

In the confusion of the moment, you may forget a few things. Consider printing this accident checklist and storing it in your car. That way, you’ll have a handy reference for what to do if you’re involved in a fender-bender.

Take Safety Measures

  • Stop your vehicle and move it to a safe nearby location.
  • Check to see if anyone is injured. Call 911 for medical assistance.
  • Do not leave the scene of the accident.
  • Make sure everyone involved moves to a safe location.
  • Contact the police. They will let you know if an officer needs to be present at the scene.

Collect Information

Exchange contact information with everyone involved, including:

  • Name
  • Address (including email)
  • Phone number(s)

Get the following information about all vehicles involved:

  • Year, make, and model
  • License plate number
  • Insurance carrier
  • Insurance policy number

Gather contact information from any witnesses at the scene, including:

  • Name
  • Address (including email)
  • Phone number(s)

If a police officer is present, get the following information from him or her:

  • Name
  • Phone number
  • Police report number

Document the Accident

If you have a camera, take photos of:

  • Damage to your vehicle
  • The accident scene
  • People involved in the accident

Communication Guidelines

  • Don’t panic
  • Do not admit fault
  • Cooperate with police
  • Remain calm and polite

Prepare for a Car Accident—Before it Happens

If you get into an auto accident, it will help if you have the following items on hand. Make sure to always have these either in your wallet or in your vehicle:

  • Your insurance ID card
  • Your vehicle registration
  • A list of emergency contacts
  • A medical card listing allergies to any medication, or special conditions
  • Pens or pencils
  • A note pad
  • Flashlight
  • Flares
  • First-aid kit
  • Blanket
  • Jumper cables
  • Rags or paper towels
  • Trash bags
  • Cell phone
  • Disposable camera (if your cell phone does not have one.)
Posted in Auto Insurance | Leave a comment

Helping Hints on Driving in Ice & Snow

Driving safely on icy roads

  1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
  2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase your visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
  8. Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind.
  9. Don’t assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

If your rear wheels skid…

  1. Take your foot off the accelerator.
  2. Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they’re sliding right, steer right.
  3. If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle completely under control.
  4. If you have standard brakes, pump them gently.
  5. If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.

If your front wheels skid…

  1. Take your foot off the gas and shift to neutral, but don’t try to steer immediately.
  2. As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in “drive” or release the clutch, and accelerate gently.

If you get stuck…

  1. Do not spin your wheels. This will only dig you in deeper.
  2. Turn your wheels from side to side a few times to push snow out of the way.
  3. Use a light touch on the gas, to ease your car out.
  4. Use a shovel to clear snow away from the wheels and the underside of the car.
  5. Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.
  6. Try rocking the vehicle. (Check your owner’s manual first — it can damage the transmission on some vehicles.) Shift from forward to reverse, and back again. Each time you’re in gear, give a light touch on the gas until the vehicle gets going.
Posted in Auto Insurance | 2 Comments