As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. But putting them on hold for too long can have disastrous results. As with so many things in life, preventive maintenance can save a lot of future effort and cost in your home, too.
We’ve put together the following checklist of cleaning projects that can save you headaches – and money – down the line.
Reposted with permission from the original author, Safeco Insurance®.
5 Questions to Ask to Keep Your Haunting Brood Safe on Halloween
Despite the fact that Halloween in Phoenix involves walking around at night amongst ghouls and witches, it really only takes a little common sense to make the night safe for everyone.
Here are five questions to ask so your entire family, even pets, can enjoy a safe and fun evening of trick-or-treating or handing out candy to others:
1. Are we visible?
Add reflective tape to costumes, clothing and candy bags to make it easier for drivers to see you and your group. That also goes for pets who are tagging along. Put reflective tape or flashing lights on their leashes or collars. Carrying flashlights and glow sticks is a good idea as well — they make you more visible and help you see better, too.
2. How safe are our costumes?
Costumes, including masks and shoes, should fit well to prevent blocked vision, trips and falls. Baggy clothing can also increase the risk of contact with candles. If you purchase costumes, make sure they are marked as flame-resistant. And accessories such as swords and knives should be soft and flexible.
3. Where are we going?
It’s best to have a plan before taking your kids trick-or-treating. You should only go to known neighborhoods and houses that have outside lights on, and children should never enter someone’s home unless an adult is with them. If you have older children going out on their own, have them tell you their plan.
4. What are the kids eating?
It’s always a good idea to examine the items your kids have collected before they dig in. And it’s not just about tampering, either. Be aware of choking hazards, too, particularly for young children. And remember, when it comes to eating treats, moderation is key.
5. How are Fido and Fluffy doing?
Even if your dogs and cats are just hanging out at home while you hand out candy, don’t forget about them. They shouldn’t eat candy at all, but especially chocolate, which can be toxic. Make sure candles are placed in areas where they won’t be knocked down. And remember that, depending on your pet’s personality, having people constantly coming to your door can be stressful. You might want to create a comfortable spot for them away from your home’s entrance.
With the right plan, you can make Halloween fun — and safe — for your little ghosts and goblins. And you can probably snag a little leftover candy for yourself, too.
Personal Umbrella Policies (PUP), are sometimes called an "Umbrella" policy because it provides additional liability coverage that extends above and beyond your Automobile Insurance or Homeowners insurance and may cover more situations with higher limits. It offers protection usually starting at $1 million for you and you family against expensive and potentially devastating liability claims and/or judgments. Personal Umbrella Policies can also supplement other insurance policies like watercraft, motorcycles and RV's.
Five reasons we recommend PUPs to our clients:
1. Protect your assets.-All your assets are protected in case of an unforeseen accident. This includes your car, house, investments, retirement accounts, checking and savings accounts, and even future income.
2. Protects you.- You are protected for incidents that you might not even consider, such as if you are liable for injuries while traveling abroad, or for any rentals, such as a boat, Jet Ski, or car provided by your employer.
3. Provides peace of mind.- The policy will provide the peace of mind that you, your loved ones, and your assets are protected against large lawsuits.
4. Pays legal fees.- The costs of legal defense can be staggering and must be paid even if you win. A personal umbrella policy pays these fees in addition to your umbrella limit of insurance.
5. Protects your charity work.-If you are an active member in your community or with a local nonprofit charitable, religious, or civic organization, most companies automatically cover you if anything happens while you are volunteering for the organization.
How Umbrella Insurance WorksAn Umbrella Policy works by extending your Automobile Insurance or Homeowner’s Policy liability insurance coverages. Automobile Insurance has limits usually starting around 25/50/15 up to 500/500/500, and Homeowner’s Policy liability coverage typically can be purchased with limits of $100,000 to $500,000, depending on your insurer carrier and the types of coverage. If your families net worth is greater than the liability coverage ( savings and checking accounts, cars, home equity, & FUTURE EARNINGS) are at risk if an accident results in a large judgment against you.
That’s where Personal Umbrella Policies (PUPs) can protect you. Umbrella Policies start at $1 million in coverage and are available with limits as high as $10 million, depending on your insurance carrier. Premiums generally start at around $600 - $700 year!
Example: You are the driver in an at fault automobile accident which results in major injuries to another person, you may be responsible for substantial medical bills, an award for pain and suffering. With the protection of a an Umbrella Policy, you will first be covered by your automobile insurance policy (minimum liability coverage is typically 250/500 to qualify for the Umbrella Policy), and once that liability coverage is exhausted your Umbrella Policy will begin providing coverage up to the policy limit (Usually $1 million-$10 million depending on the policy).
If have further questions regarding Umbrella Policies, Automobile Policies or Homeowner Policies please contact our office at 800-556-3499.
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