Smoke Detector Safety

Did you know that almost two-thirds of all house fire deaths are the result of having no smoke detectors or improperly working detectors? Many of us install smoke detectors and never give a second thought to maintaining them.

 ·         Test alarms at least monthly by pushing the test button.

·         Save manufacturer's instructions for testing and maintenance because they may have specific instructions for that particular smoke detector.

·         Replace batteries in all smoke alarms at least once a year. It’s a good idea to make a habit of changing the batteries at the same time each year; such as when you change your clocks for Daylight Savings Time, when you set up your Christmas tree, or your birthday. Put it on your calendar, whatever it takes for you to remember to replace the batteries. If an alarm “chirps”, warning the battery is low, replace the battery right away.

·         Replace all smoke alarms, including alarms that use 10-year batteries and hard-wired alarms, when they are 10 years old or sooner if they do not respond properly.

·         If cooking fumes or steam sets off nuisance alarms, rather than taking out the battery to finish your cooking, replace the alarm with an alarm that has a "hush" button. A "hush" button will reduce the alarm’s sensitivity for a short period of time. This will avoid forgetting to reinstall the battery after you’re done cooking.

For more information on smoke detector safety and other fire prevention tips; please go to National Fire Prevention Association’s website at: http://www.nfpa.org.

Long Term Care Insurance

The use of long-term and home health care are on the rise because of medical advances and people living longer. If you think that Medicare will provide coverage for nursing home or at-home care, you could be shocked to know low limited that coverage is. Medicare will pay for a short nursing home stay if you’re hospitalized for at least three days prior to your need for skilled care. Medicare will pay for the first 20 days, but you will be responsible for $148 a day for days 21 through 100. After that, Medicare coverage runs out. Medicare also provides limited coverage for home–health services only when your doctor states that it’s medically necessary. Medicare Supplement Plans may provide more coverage but it is not extensive.  Long-term care costs can cripple a family if they’re not prepared. To prepare for long-term care issues, speak to your Financial Planner for options that are available to protect your future.

A Vacant Home, Doesn’t My Homeowner’s Policy Still Cover It?

Say you purchase and move into a new home but your old home still hasn’t sold.  Or you have inherited a house and cleaned out all the contents.  Should you be concerned about the homeowner’s coverage on these homes? YES! The moment that you move everything out of the home, that home is no longer occupied and your homeowner’s policy needs to be changed.

After 30 days of being vacant, the following coverages are no longer available:

• Vandalism
• Malicious mischief
• Glass

After 60 days of being vacant, the following coverages are also removed:

• Fire
• Lightening

Can you see where these vacant homes are vulnerable?  If you have a home is vacant for any reason, please contact your Insurance Agent to discuss your options before a loss occurs.

Speak to Your Insurance Agent about Home Improvements

Did you know that you may be able to save money on your homeowner’s insurance if you’ve updated your home? If you’ve updated your electric service, roof, or heating system, you may qualify for a more competitive rate. If you’re not sure if you qualify, contact your Insurance Agent to review your account.  Other improvements such as updating your kitchen or putting on an addition will probably increase the value of  your property and you should certainly discuss this with your agent to be sure your homeowner's policy has adequate limits.

It’s always good to review your personal account with your Insurance Agent from time to time to make sure that your home and auto policies are up to date and any questions can be discussed. Not only could your rate be affected, but you may discover that you don’t have coverage for something that you thought was all set.