Grilling Safety Tips You Need To Remember This Summer

Grilling Safety

Summer is the perfect time to be outside enjoying the sun. Swimming in the pool, boating on the lake, even playing in the backyard are favorite ways to pass the time. Regardless of which activity you choose, a summer BBQ is a great addition to your day. Grilling safety is something to keep in mind to ensure your friends and family are safe while having a good time. 

A Few Grilling Safety Tips To RememberGrilling Safety

  • Do not let children and pets play near the grilling area when cooking until the grill is completely cool.
  • Place your grill at least 3 feet away from other objects. This includes your house, trees and outdoor seating. 
  • Use starter fluid for barbecue grills that use charcoal only. Do not use starter fluid for gas grills. 
  • Check the connection between the propane tank and the fuel line to make sure it is not leaking and is working properly before using a gas grill. 
  • If you suspect that your gas grill is leaking, turn off the gas and get the unit fixed before lighting. Never use a match to check for leaks. 
  • Do not bring your grill into an unventilated or enclosed space such as the garage or inside of your home. This is not only a major fire hazard; it is also a carbon monoxide hazard. 

Hot grills not only cause fires but can cause burns. Be cautious around the grill and make sure to keep an eye on children and pets. A few minutes of caution can ensure a summer full of fun with friends and family. 

What You Need To Know About Boat Insurance When You Buy A Boat

Boat Insurance

Boat InsuranceIf your new boat is a canoe or an un-motorized boat, there’s a chance that it’s covered under the personal property portion of your Homeowners Insurance policy. However if it is anything larger, you need a separate boat insurance policy. A Bout Insurance policy is there to ensure you and your boat are protected. After all, I’m sure you purchased your boat with long term plans in mind.

Does My Homeowners Insurance Cover My Boat? 

Theft to watercraft, including furnishings, equipment and outboard motors, is typically excluded if the theft occurs outside your residential premises. To cover your boat and its accessories, you need a separate boat insurance policy.

What is Boat Insurance? 

A typical boat insurance policy will protect your boat, motor, equipment and passengers. Coverages will usually include:

  • Theft, loss or damage to the boat and attached equipment
  • Bodily injury coverage, if someone else is injured
  • Damage caused to someone else’s property by your boat or watercraft
  • Liability coverage for your passengers, which would include family and guests
  • Medical payment coverage for injuries to the occupants of the boat

Physical Damage Coverage

Physical damage coverage insures your boat, motor, boat trailer, boating equipment and other personal property against accidental loss or damages. 

Liability Coverage

A Boat Insurance policy will include two principal liability coverages.

  •  Personal liability coverage provides protection for legal liability. It pays up to the limit of your policy, the legal obligations imposed upon you due to an accident resulting from the ownership, maintenance or use of your watercraft, including bodily injury, property damage and legal defense. 
  • Medical payments coverage pays medical expenses up to the limits in the policy, including the insured’s boating-related medical expenses from an accident arising out of the ownership, maintenance and use of the boat. Expenses include hospital, medical and ambulance. 

Additional Coverage Options

Along with the basics some extra coverage to consider include:

  • Reasonable Repairs. Covers repairs done to protect covered property from further damage
  • Emergency Services. Pays for reasonalbe costs that you incur 4resulting from specified emergency service to your boat, motor or boat trailer. 
  • Wreck Removal. Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction for the wreck of your watercraft when damage is caused by an insured loss and remove or destruction required by law. 
  • Umbrella Liability. Provides additional boat insurance coverage across the board for home, auto and watercraft. 

Whether your boat is big or small, it’s still an investment. As a result, we want to make sure your are protected and familiar with your coverage. Call us at 419-522-9892 to review your policy or get a quote today.

8 Ways To Identify and Avoid Phone Scams

avoid phone scams

avoid phone scamsEvery year, people report fraud, identity theft and bad business practices to the Federal Trade Commission (FTC) and law enforcement partners. According to FTC data, more than 2.8 million people reported fraud in 2021, and 1 in 4 said they also lost money. The median loss in scams that start with a call is $1,200, higher than any other contact method.

As such, the chances are likely that you have or will be on the receiving end of a phone scam. Technology has made this even easier as scammers leverage robocalls or spoofing tools to change phone numbers. This article highlights the warning signs of scams and tips on how to avoid phone scams.

Warning Signs

Recognizing the common signs of a scam could help you avoid falling for one. Here are some general indications that a call or text is a scam:

  • Scammers pretend to be from a familiar organization. Scammers may pose as someone from a charity, utility company, law enforcement or federal agencies. They may use a real organization name or make up something that sounds official.
  • Scammers say there’s a problem or a prize. Remember, if you have to pay to get the prize, it’s not really a prize.
  • Scammers pressure you to act immediately. Legitimate businesses will give you time to think about their offer. Real businesses won’t make you stay on the phone (so you can’t check out the story) nor threaten to arrest you, sue you or take away your driver’s license.
  • Scammers tell you to pay in a specific way. There’s never a good reason to send cash, pay with a gift card, wire money or pay using a transfer app. These methods make it difficult for you to get your money back, which is ideal for scammers.

Phone scams come in many forms, but they often make similar promises or threats. Trust your gut if something seems off or too good to be true.

Consumer Tips

To prevent unwanted robocalls and phony texts and potentially avoid phone scams, the FTC recommends the following tips:

  1. Block unwanted calls and text messages. Talk to your phone company about call blocking tools they may have and check into apps that you can download to your mobile device to block unwanted calls and text messages.
  2. Register your number on the Do Not Call Registry. Legitimate telemarketers consult this list to avoid calling both landline and wireless phone numbers on the list.
  3. Don’t answer calls from unknown numbers. If you answer a robocall, hang up immediately. Remember that even though caller ID may show a “local” number, the call isn’t necessarily from a local caller, as it could be spoofed.
  4. Don’t provide your personal or financial information in response to a request that you didn’t expect. Legitimate organizations won’t call, email or text to ask for your personal information, such as your Social Security number, bank account or credit card numbers.
  5. Understand how scammers tell you to pay. Never pay someone who insists you pay with a gift card or a money transfer service. Additionally, you should never deposit a check and send money back to someone.
  6. Resist the pressure to act immediately. Legitimate businesses will provide you time to make a decision or provide payment. If it seems rushed or threatening, it’s likely a scammer.
  7. Don’t click on any links even if you get a text from a company you usually do business with and think it’s real. Instead, contact the company using a trustworthy website or look up their phone number. Don’t call the number they provided or the number from your caller ID.
  8. Talk to someone you trust. Before you do anything, tell a friend, family member, neighbor or other trusted person what happened. Talking about it could help you realize it’s a scam.

If you spot a scam or have given money to a scammer, you can report it to the FTC by filing a consumer complaint online or calling 1-877-FTC-HELP (382-4357). You can also visit the agency’s website to learn more about other consumer topics and more ways to protect yourself from scammers.

Severe Thunderstorms; How To Prepare And Stay Safe

Severe Thunderstorms

Severe ThunderstormsSevere thunderstorms produce lightning, which is extremely dangerous. Though lightning fatalities have decreased over the past 30 years, lightning continues to be one of the top three storm-related killers in the United States. In 2014, there were 26 fatalities from lightning. Although most lightning victims survive, people struck by lightning often report a variety of long-term, debilitating symptoms.

Other associated dangers of severe thunderstorms include tornadoes, strong winds, hail and flash flooding. Flash flooding is responsible for more fatalities—more than 140 every year—than any other thunderstorm-associated hazard. Dry thunderstorms that do not produce rain that reaches the ground are most prevalent in the western United States. Falling raindrops evaporate, but lightning can still reach the ground and can start wildfires.

Before a Thunderstorm and Lighting

To prepare for a thunderstorm, you should do the following:

  • Build an emergency kit and make a family communications plan.
  • Remove dead or rotting trees and branches that could fall and cause injury or damage during a severe thunderstorm.
  • Postpone outdoor activities.
  • Remember the 30/30 Lightning Safety Rule: Go indoors if, after seeing lightning, you cannot count to 30 before hearing thunder. Stay indoors for 30 minutes after hearing the last clap of thunder.
  • Secure outdoor objects that could blow away or cause damage.
  • Get inside a home, building or hard top automobile (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.
  • Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.
  • Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades or curtains.
  • Unplug any electronic equipment before the storm arrives.

Facts about Thunderstorms

  • They may occur singly, in clusters or in lines.
  • A single thunderstorm affecting one location for an extended time can be more severe than other storms.
  • Thunderstorms typically produce heavy rain for a brief period, anywhere from 30 minutes to an hour.
  • Warm, humid conditions are highly favorable for thunderstorm development.
  • About 10 percent of thunderstorms are classified as severe; these storms generally produce hail at least an inch or larger in diameter and have winds of 58 miles per hour or higher. They can also produce tornadoes.

Facts about Lightning

  • Lightning’s unpredictability increases the risk to individuals and property.
  • Lightning often strikes outside of heavy rain and may occur as far as 10 miles away from any rainfall.
  • “Heat lightning” is actually lightning from a thunderstorm too far away for thunder to be heard. However, the storm may be moving in your direction.
  • Most lightning deaths and injuries occur when people are caught outdoors in the summer months during the afternoon and evening.
  • Your chances of being struck by lightning are estimated to be 1 in 600,000, but could be reduced even further by following safety precautions.
  • Lightning strike victims carry no electrical charge and should be attended to immediately.

During Thunderstorms and Lightning

If thunderstorms and lightning are occurring in your area, you should do the following:

  • Use a battery-operated National Oceanic and Atmospheric Administration (NOAA) Weather Radio for updates from local officials.
  • Avoid contact with corded phones and devices, including those plugged into electrical outlets for recharging. Cordless and wireless phones not connected to wall outlets are safe to use.
  • Avoid contact with electrical equipment or cords. Unplug appliances and other electrical items, such as computers, and turn off air conditioners. Power surges from lightning can cause serious damage.
  • Avoid contact with plumbing. Do not wash your hands, do not take a shower, do not wash dishes and do not do laundry. Plumbing and bathroom fixtures can conduct electricity.
  • Stay away from windows and doors, and stay off porches.
  • Do not lie on concrete floors and do not lean against concrete walls.
  • Avoid natural lightning rods such as tall, isolated trees in open areas.
  • Avoid hilltops, open fields, the beach and boats on the water.
  • Take shelter in a sturdy building. Avoid isolated sheds or other small structures in open areas.
  • Avoid contact with anything metal, such as tractors, farm equipment, motorcycles, golf carts, golf clubs and bicycles.
  • If you are driving, try to safely exit the roadway and park. Stay in the vehicle and turn on the emergency flashers until the heavy rain ends. Avoid touching metal or other surfaces that conduct electricity in and outside the vehicle.

Lightning Safety When Outdoors

If you are: Then:
In a forest Seek shelter in a low area under a thick growth of small trees.
In an open area Go to a low place such as a ravine or valley. Be alert for flash floods.
On open water Get to land and find shelter immediately.
Anywhere you feel your hair stand on end (which indicates that lightning is about to strike) Squat low to the ground on the balls of your feet. Place your hands over your ears and your head between your knees. Make yourself the smallest target possible and minimize your contact with the ground. DO NOT lie flat on the ground.

After a Thunderstorm or Lighting Strike

If lightning strikes you or someone you know, call 911 for medical assistance as soon as possible. The following are things you should check when you attempt to give aid to a victim of lightning:

  • Breathing – if breathing has stopped, begin mouth-to-mouth resuscitation.
  • Heartbeat – if the heart has stopped, administer CPR.
  • Pulse – if the victim has a pulse and is breathing, look for other possible injuries. Check for burns where the lightning entered and left the body. Be alert for nervous system damage, broken bones and loss of hearing and eyesight.

After the storm passes, remember the following:

  • Never drive through a flooded roadway. Water can damage your vehicle and poses a drowning hazard.
  • Continue to listen to a NOAA Weather Radio or to local radio and television stations for updated information or instructions, as access to roads or some parts of the community may be blocked.
  • Help people who may require special assistance, such as infants, children and the elderly or those with access or functional needs.
  • Stay away from downed power lines and report them immediately.
  • Watch your animals closely. Keep them under your direct control.

In addition to insuring your home, Rinehart, Walters & Danner Insurance Agency is committed to helping you and your loved ones stay safe when disaster strikes. Severe thunderstorms are a regular occurrence in Ohio and everyone should be prepared. If you would like more information on developing a family emergency plan or building a disaster supply kit, please contact us today.

Fire Safety and Prevention, What You Need To Know

fire safety and prevention

fire safety and preventionHome is where the heart is…it’s also where your family, prized possessions and most fond memories are. Home is also the same place that has the greatest risk of fire. Nearly 80% of fire deaths in the US each year occur in the home. Are you taking steps to keep your home and family safe? We have some tips for fire safety and prevention to share with you. 

Fire Safety

  • Check all electrical appliances, cords and outlets. makes sure they are all in working condition, without loose or frayed cords or plugs.
  • Use caution with portable heaters. Never place one where a child or pet could accidentally knock it over, and keep it at least 3 feet away from flammable objects.
  • Be careful in the kitchen. Cooking is the leading cause of home fires. Always practice safe cooking habits, such as turning pot handles to avoid being knocked over, and supervising children while cooking.
  • Check the fireplace. It should be kept clean and covered with a screen to keep sparks contained. Burn only wood in a home fireplace and never leave a fire burning unattended.
  • Beware of cigarettes. They are the number one cause of fire deaths in the US. Most are started when ashes or butts fall into couches or chairs, so use caution if you smoke in your home.
  • Use candles safely. Keep them out of the reach of children, away from curtains and furniture, and extinguish them before you leave the room. Do not allow children to use candles when unsupervised by an adult.
  • Be aware of holiday dangers. If you use a cut Christmas tree, be sure to keep it watered daily, and inspect all lights yearly for worn or frayed cords.

Fire Prevention

  • Install smoke alarms on every level of your home.
  • Use the smoke alarm’s test button to check it every month and replace the batteries at least once a year.
  • Replace smoke alarms every 10 years.
  • Plan escape routes by determining at least two ways to escape from every room.
  • Caution everyone to stay low to the floor while escaping and never open doors that are hot.
  • Select a safe location outside your home where everyone should meet, and practice your escape plan at least twice a year so everyone knows it well.

Do you need to discuss homeowners insurance with one of our agents? Click here to learn more or Click here to contact us.

Share these fire safety and prevention tips with everyone you care about, you can never be too careful!
Your friends at Rinehart-Walters-Danner Insurance.

Do You Have Allergies? 6 Helpful Tips For Allergy

Allergies

Allergies

Between the rain, new growth and house cleaning, chances are if you have allergies, you are miserable right about now. Whether you have seasonal allergies or suffer year round, there are steps you can take to help decrease your symptoms without having to stock up on medication.

Who is affected by allergies?

Though allergies can affect anyone, individuals with the following characteristics are afflicted more often:

  • Under 40 years old
  • Have at least one parent with allergies
  • Suffer from allergic conditions such as asthma

What are the symptoms?

Symptoms of allergies include:

  • Sneezing
  • Red, itchy or watery eyes
  • Dry throat
  • Stuffy nose

Tips to alleviate allergy symptoms:

To alleviate allergy symptoms, consider the following recommendations:

  1. Stay indoors when the pollen count outside is high.
  2. Keep your home clean and as dust-free as possible.
  3. Place pillows, mattresses and duvets in allergen-proof encasements.
  4. Use a vacuum cleaner with double bags, allergen-trapping bags or a HEPA filter.
  5. Avoid having pets or going near others’ pets if you have animal allergies.
  6. In your home, choose hardwood floors instead of carpeting.

Did you know?

According to the American Academy of Allergy and Immunology, about half of the U. S. population suffers from allergies. These negative reactions occur as a result of coming in contact with normally harmless substances. Some allergies change or disappear over time, while seasonal attacks will return at the same time each year for only a few weeks or months.

Healthy Hints

Treatment for most allergy symptoms is available over-the-counter or as a prescription from your physician. If your symptoms are severe or you don’t know what is causing you to have a reaction, an allergist can perform a test to pinpoint what you are allergic to. And don’t forget, allergy testing and treatment is usually covered by your health insurance.

Do you need help finding what your copay or out of pocket cost will be?

Call us today – 419-522-9892 – we can help.

April Is Distracted Driving Awareness Month And We Have Prevention Tips For You

Distracted Driving Awareness

Distracted Driving AwarenessThe National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel. Review the following article for more information on distracted driving and ways you can help prevent it.

Distracted Driving Overview

According to the Centers for Disease Control and Prevention, distracted driving refers to any activity that may divert a motorist’s attention from the road. There are three main types of distractions that can interfere with drivers’ attentiveness behind the wheel, including:

  1. Visual distractions—These distractions involve motorists taking their eyes off the road. Some examples of visual distractions include reading emails or text messages, focusing on vehicle passengers, looking at maps or navigation systems, and observing nearby activities (e.g., accidents, traffic stops or roadside attractions) while driving.
  2. Manual distractions—Such distractions entail motorists removing their hands from the steering wheel. Key examples of manual distractions include texting, adjusting the radio, programming navigation systems, eating, drinking or performing personal grooming tasks (e.g., applying makeup) while driving.
  3. Cognitive distractions—These distractions stem from motorists taking their minds off driving. Primary examples of cognitive distractions include talking on the phone, conversing with vehicle passengers or daydreaming while driving.

Regardless of distraction type, distracted driving is a serious safety hazard that contributes to a significant number of accidents on the road. In fact, the National Highway Traffic Safety Administration reported that more than 2,800 people are killed and 400,000 are injured in crashes involving a distracted driver each year—equating to approximately eight deaths and 1,095 injuries per day. Considering these findings, it’s crucial to take steps to prevent distracted driving.

Distracted Driving Prevention Tips

Whenever you get behind the wheel, keep these distracted driving prevention measures in mind:

  • Put away your phone. Silence your phone and store it in a location that is out of reach while driving to lower the temptation to check it.
  • Plan your trip before you leave. Program your navigation system prior to hitting the road to get familiar with your journey and feel confident in your route.
  • Don’t fumble with your playlist. Select a radio station or plug in a predetermined playlist before driving to limit the need for music adjustments.
  • Secure passengers. Ensure kids are properly situated in car seats (if needed) with seat belts fastened. Keep pets stationary in the back seat.
  • Avoid multitasking. Never complete additional tasks—such as eating or personal grooming—behind the wheel.
  • Stay focused. Concentrate your mind on the road by keeping distracting conversations to a minimum and looking straight ahead.

For additional driver safety tips, contact us today.

Click here for more information on Auto Insurance

How Excessive Phone Use Can Lead to Health Risks

excessive phone use

excessive phone useEver stop scrolling on social media and realize you’ve been on the app for way too long? That’s the reality for many people as every video view, swipe and double-tap add up. According to data.ai, the average American spent 4.8 hours each day on mobile devices in 2021—that’s one-third of daily waking hours.
This article explores responsible and excessive phone usage, the impact of too much screen time and tips for improving your relationship with your smartphone.

How Much Is Too Much?

The pandemic has accelerated existing mobile habits, but it’s essential to understand the difference between necessary and excessive usage.
Smartphones have become a necessity for communication, entertainment and convenience for many people. The latest smartphones are essentially pocket-sized computers, making them an efficient way to get work done on the go. However, it can be a slippery slope if you use your smartphone for most daily tasks or fun.
Consider the following warning signs that smartphone use is becoming unhealthy:

  • Anger or irritation if phone use is interrupted
  • Dangerous behavior (i.e., using a smartphone while driving)
  • Impaired sleep
  • Isolation from loved ones
  • Poor work performance

As a general rule, experts say adults should limit daily screen time to less than two hours per day outside of work.

The Impact of Excessive Screen Time

Smartphones have made our lives so much easier, but they can also impact our physical and mental well-being. Excessive smartphone use has been reported to change brain activity, reaction times and sleep patterns. As a result, you may be less concentrated and productive during the workday and often forget tasks and goals. Research has also shown that excessive phone use can increase stress, anxiety and feelings of loneliness.

The pandemic has only made matters worse as work, social connectivity and entertainment are tied to hand-held devices. Lines are blurred between necessary and excessive use when work and social connectivity depend on hand-held devices. Fortunately, there are ways to take control and ensure phone use is balanced.

Tips for Cutting Back

The first step to cutting back on your smartphone use is determining how much time you’re spending on your phone. Many smartphones have digital well-being features that break down how much time you’re using your phone for calls, texts, emails, social media and more. You may be surprised to find out how often you’re scrolling or reading on your smartphone.

To build a healthier relationship with your phone, consider the following tips:

  • Set clear boundaries. If you are always waiting for work or personal messages, you may feel chained to the device. It’s helpful to set boundaries that outline when you’ll be available.
  • Turn off notifications. Disable notifications for social media apps or mute group chats to avoid being tempted by constant notifications. In general, text messages and calendar reminders are helpful, but other frequent notifications may interrupt your productivity.
  • Change your screen to grayscale. Removing colors can make your phone less visually appealing. This feature should be available in your phone’s display settings.
  • Rearrange your apps. Another way to make your phone less alluring is to limit what’s on your home screen and hide tempting apps in a folder.
  • Check at specific times. Create achievable boundaries by checking your phone for notifications at a designated time, such as your lunch break or every two hours. Leaving your phone in a separate room to charge is another idea.
  • Avoid use before bedtime. Try to cut down on phone use in bed or right before sleeping. The bright screen can signal to your body that it’s time to be awake, so you may have trouble falling asleep or experience lower sleep quality. Save the news feed scrolling and video watching for during the day.
  • Use an old-fashioned alarm clock. When you use your phone as your alarm clock, you likely will spend time scrolling on your phone when setting, snoozing or turning off the alarm.

With minor adjustments, you could be a more mindful smartphone user. We hope these tips help curb excessive phone use. If you think your phone use may be unhealthy, create an action plan that works for your life and schedule. To achieve a healthy balance, focus on apps and content that enrich your life or are necessary for work.

Visit Us At The 15th Annual Business Expo Thursday March 24th

Next Thursday, March 24, 2022 marks the return of the Richland Area Chamber of Commerce Business Expo. After taking last year off, this year will mark the 15th annual occurance for this event, and we couldn’t be happier to see it return! Our agency, along with 100 other vendors, will be set up at the Richland County Fairgrounds. The Business Expo is a great way to meet local businesses and learn about what they have to offer. Each year had a different them and this year it will be “Get In The Game.” Our agents will be at the booth and we will have our best sports theme on display! 

Admission and parking is free and is open to the public. Our booth will be offering handouts as well as a door prize drawing that you do not want to miss! Make sure to stop out and visit our booth and get your name entered in the drawing! 

Business Expo Flyer

Are My Valuables Covered By Homeowners Insurance?

Valuables

ValuablesYour grandmother decided to pass on her birthstone ring to you on you 16th birthday, many years ago. Of all your valuables, it is the most important to you. You always took extra precautions when wearing it and storing it. But, even when it’s locked up safely at home, is it truly safe? If it was ever stolen or lost, that’s what your homeowners insurance is for, right? Wrong.

Standard homeowners, condominium or renters insurance policies include a limit on coverage for jewelry and other valuables. Most policies have stringent limits on coverage of valuables.

  • Jewelry – as little as $1,000
  • Firearms – up to $2,000
  • Silverware – up to $2,500

Also, many policies may not cover losses due to theft, accident or loss.

Common items that require additional coverage

  • Jewelry
  • Silverware
  • Heirlooms (furniture, paintings, etc)
  • Rugs
  • Musical instruments
  • Fine Art
  • Antique china, crystal, decorative items
  • Designer appliances
  • Furs
  • Vintage wine
  • Collectibles (stamps, coins, glassware, etc.)
  • Firearms
  • Computers

Additional coverage options

Endorsements – Endorsements are additions to your homeowners, condominiums or renters insurance policies. This will change or add to the policy’s provisions. Your valuables are “scheduled” on a list that includes a brief description and the item’s dollar value. For all items, an appraisal or sales receipt is typically required. This will help ensure that, in the event of a covered loss, the amount of insurance is enough to cover the repair, replacement or cash payment of the item. The endorsement can cover property otherwise excluded from a basic homeowners insurance policy, extends the number of perils insured against or increase the amount paid for a covered loss. Items scheduled are typically not subject to the policy deductible.

Floaters – A Separate personal articles floater may be used to schedule your valuables that are subject to special limits under basic homeowners insurance coverage.

If you have an existing endorsement or floater, it is important to periodically review our policy’s coverage limits to minimize the likelihood of underinsurance arising out of outdated appraisals and inadequate limits of insurance.

Doing a home inventory can help protect valuables

A home inventory can be a great tool when it comes to protecting your home and valuables. A home inventory will allow you to go room to room and take pictures and details for your items. Some insurance carrier’s even provide a mobile application and you can save the inventory information within the app. 

As always, your agent is there to help you determine the best coverage for your needs. Doing a home inventory and sharing it with them is a great way to help make sure no valuables are missed.