Father’s Day Is The Day To Celebrate Dad

Father's Day

Father's DayDad’s get a bad rep of not being sentimental and showing their feelings. However, that doesn’t mean they don’t care. Father’s Day is a day to celebrate dad and show him how much he means to you. He taught you how to ride a bike, built your swing set, and made you feel safe when you were scared. Dad is always there and we often don’t show him how much we appreciate him. Sunday June 17, 2018 is Father’s Day. What a perfect time to celebrate dad! 

How to Celebrate

Every family celebrate’s dad differently. Many families choose to celebrate with cookouts or dinner, outdoor activities, and maybe gifts. Most dad’s simply want to spend time with their loved ones. It’s not about the gifts but about the memories made and love they receive. 

Want to learn more about Father’s Day history? Click here

How To Build Your Emergency Supply Kit

Emergency Supply Kit

Emergency Supply KitHere in Ohio we don’t usually experience typhoons, earthquakes, or severe tornadoes. It can be hard to fathom the devastation. But just because we don’t have these extreme weather events, doesn’t mean we are invincible to other natural disasters. Or that every household shouldn’t have an emergency supply kit. 

Emergency Supply Kit

Everyone should have some basic supplies on hand in order to survive an emergency for disaster. Your supplies should cover you for at least three days. A few items to include in this kit:
  • Water – one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food – at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a National Oceanic and Atmospheric Administration (NOAA) Weather Radio with tone alert, and extra batteries for them
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask to help filter contaminated air, and plastic sheeting and duct tape for sheeting in place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cellphone with charger and inverter
The above items are just a general guideline, you should modify your kit to fit your family. Add any prescription medications, pet foods, etc to fit your needs. 
Once everyone is safe and you are in a more secure location, contact us so we can help with any insurance claims and help get you and your family back to normal.

Electrical Safety Tips You Need To Know

Electrical Safety

Electrical SafetyElectricity has become such a big part of our every day lives, we don’t put much though into it. How it works, what it does, or the dangers that surround it. Electrical Safety is usually only on the minds of electricians, contractors or those who are dealing with a problem with electrical work. However, it is really something everyone should spend some time thinking about. We have compiled a list of a few tips you should keep in mind when dealing with electricity. 

Electrical Shock

Did you know an electric shock can result in anything from a slight tingling sensation to immediate cardiac arrest? The amount of current, the current’s path through the body and the length of time the body remains in the circuit are all factors that determine the severity of the shock. The current found in the average household could be enough to cause fatal harm. That alone is the #1 reason electrical safety should be top of mind.

What Can I Do To Ensure My Home Is Safe?

Looking around your house I bet every room has some sort of electrical appliance plugged in? Television, lamp, microwave, cell phone, computer, the list goes on and on. Every one of those items are a reason to practice electrical safety in your home. To reduce the potential for danger, walk through your home and identify all the items that use electricity. After you’ve done that, download the below checklist and use the recommendations as precautions to reduce the risk of shock and burn injuries. 

Electrical Safety Checklist for Your Home

Your Home Is Where You Go To Relax

Take the time to complete the Electrical Safety Checklist for Your Home and make sure your home is safe for you and your loved ones. A little prevention now is much better than a devastating accident later. Injury to a loved one or a house fire are both realistic possibilities when dealing with electricity. Always leave electrical repairs to the professions, keep small children away from electrical threats, and make sure to follow instructions and not overload outlets or power strips. 

We’re always here to help. If you would like to review your homeowners insurance policy as well give your agent a call. 

The History Of Memorial Day And Why We Observe It

Memorial Day

Memorial DayMonday May 28, 2018 is Memorial Day. Memorial Day is an American holiday honoring those who died while serving in the US Military. It was originally known as Decoration day, and started after the Civil War. Memorial Day became a federal holiday in 1971 and has sparked many traditions. 

Everyone has a different tradition for Memorial Day. Parades, visiting cemeteries and family gatherings are a few of the top choices. Memorial Day has become the unofficial kick off to summer. Many families will have BBQs, go on a trip, or even spend some time on the water. Regardless of your choice of observation, make sure to take a moment and remember the meaning of the day. 

Our office will be closed in observation. From our family to yours, have a great and safe Memorial Day. 

4 Summer Safety Tips You Need To Remember

Summer Safety

Summer SafetyIt’s getting warmer and the school year is over. You know what that means? It’s almost summer time! While you and your family will be having more fun in the sun, it’s important to remember a few summer safety tips. Make sure you are taking appropriate precautions against the sun, bugs, and the fun outdoor activities. We have 5 summer safety tips to keep in mind as this warmer weather approaches. 

#1. Heat and Sun Safety

It’s great to soak up a few rays of sun, but there can be too much of a good thing. Make sure to drink plenty of water, dress for the weather and eat light. Heat Exhaustion and Heat Stroke can be very serious and scary conditions. Heat Exhaustion occurs when a person cannot sweat enough to cook the body. Usually the result of not drinking enough fluids during hot weather. Heat Stroke is the result of untreated heat exhaustion. Make sure to keep an eye on your loved ones to make sure they are not showing any changes in their behavior or physical well being. 

#2. Insect Bites and Allergies

With warmer weather also comes bugs, which leads to bug bites. To save yourself the pain later of an irritating bug bite with potential health risks, use insect repellents to keep the bugs from biting. These come in many different forms such as sprays, lotions, or even candles or wrist bands. Also, consider taking over-the-counter medications to alleviate any allergy symptoms. 

#3. Grilling

This summer safety tip is one that applies year round. Weather you use a gas or charcoal grill, anytime there is an open flame you need to take precautions. Make sure grills are constantly monitored. Place grills at least 3 feet away from all other objects. Make sure to keep children and pets away from grills so they do not get burnt. 

#4. Swimming

Swimming pools, lakes and ponds are a favorite past time for many families. When the air is hot and the water is cool, it’s the perfect time to swim. This summer safety tip talked about often. Always make sure you check the conditions to make sure swimming is safe. Children should have life jackets or other personal flotation devices. 

 Summer is a great time for families to spend time together and have some adventures. Make sure to keep the above summer safety tips in mind and have a great and fun summer! 

Mother’s Day Is The Day To Celebrate Mom

Mother's Day

We may not always remember to thank mom’s for everything they do for us. From packing lunches, arranging play dates, taking care of us when we’re sick, and being a shoulder to cry on when we are sad. Mom is always there and we often forget to tell her how much we appreciate her. Sunday is the day to change that. Sunday May 13, 2018 is Mother’s Day, and is the perfect day to celebrate mom and show her how much she is loved! 

How To Celebrate

Every family celebrate Mother’s Day a little differently. For most the celebration will include a cookout or dinner, some flowers, and maybe a gift. For most mom’s, they want to just spend time with their family. It’s not about the gifts, it’s the memories and love they receive that makes their day special. 

Want to learn more about Mother’s Day history? Click here 

How To Promote Safe Teen Driving

With prom and graduation season kicking off, now is the perfect time to remind your children and loved ones about safe teen driving. They have a 3 ton (or heavier) hunk of steel going 55 mph down the road. Make sure they think of their safety, and the safety of those around, them every time they get in the car. Below are a few talking points to go over with them.

Safe Teen Driving Tips

  • Safe teen drivingAlways use your seat belt, even if you’re just going for a short drive down the block – it’s the law!
  • Never drive under the influence of drugs or alcohol. Remember that prescription medications can impact your driving too.
  • Avoid driving at night if you don’t have much experience behind the wheel.
  • Watch the forecast to avoid any inclement weather.
  • Always try to stay at least two seconds behind the vehicle in front of you. This can help give you more reaction time in the event of an emergency. Never use your cellphone in your car.
  • Never talk or text while driving, it can wait.
  • If you ever feel uncomfortable or unsafe on the road, pull over somewhere safe.
  • Obey the speed limit
  • Never reach for something in the car while driving, a lot can happen in the few seconds your eyes are away from the road.

One more thing, many auto insurance companies also offer discount for good grades. It’s as simple as providing your insurance agent with a copy of your kid’s grade card. Stop by our office and review your auto insurance policy with your agent today to make sure you are receiving all available discounts. (Click here for more information about auto insurance)

The best way to ensure child is practicing safe driving is to practice safe driving yourself and to talk to them.

Remember Stop the Texts, Stop the Wrecks!

5 Tips You Need To Know To Help You Quit Smoking

Quit Smoking

Quit Smoking

Making the decision to quit smoking is a major life change. Not only for yourself, but for your friends and family as well. Quitting smoking is one of the best choices you can make to improve your overall health, but it is also extremely difficult. Just the though of getting started can cause anxiety. But your chances of being successful increase if you get ready first. 

Set a date

Pick a date within 2 weeks to quit. That gives you plenty of time to get ready, but not too much time where you will loose motivation to quit smoking. Think about picking a special day, such as birthday or national event. If you smoke at work, quit on the weekend or during a day off. 

Make and share your plan

A plan will help you stay focused and motivated. This plan highlights your quit date, reasons for quitting, smoking triggers and the ways you plan on fighting cravings. You can build your own, or use Smokefree.gov for help.

Quitting is always easier with support. Let friends, family and co-workers know your plan and what they can do to help. Let them know things such as your mood may change, not to smoke around you, and to support you during this time.  

There will be challenges

No plan comes without challenges. The first few months will be difficult as you will be more tempted to go back to smoking. Especially when you are upset or stressed. It helps to be prepared and know what triggers your urge to smoke and plan how you will resist these urges. Triggers can include things like people, places, things and situations. Remember that you will experience withdrawal symptoms as a result of you giving up nicotine. This is normal and it will pass with time. 

Discuss your plan with your Doctor

Going cold turkey is not your only option. Talk to your doctor about your plan so they can go over the options that will work best for you. There are numerous prescriptions, gums or patches available that may make this transition earlier for you. 

Focus on the benefits of a smoke-free lifestyle

Within a few days of quitting, you may notices that your sense of taste and smell is improving. Your breathing will become easier and your smoker’s cough will lessen over time. Best of all, your decision to quit smoking will extend your life expectancy. 

Don’t be discouraged if you slip up. This is a difficult journey and it will take time. Do your best to stick to your plan and surround yourself with a good support system. Before you know it smoking will be a thing of the past and you will be a healthier you. 

Why You Need To Keep A Home Inventory

Home Inventory

Home InventoryYou protect your home with homeowners insurance in the event of a fire, theft or other catastrophe. In the unfortunate event you have to use your insurance, would you be able to provide a list of your belongings? Without a list it would be pretty hard. That is where a home inventory comes in to help. 

Though your homeowners insurance policy provides the protection that you need in the event of a loss, your policy can only pay for items that you can document. To protect your belongings, conduct a home inventory to record everything you own. Should a loss occur this inventory will assist you in quickly determining which items were destroyed or stolen. 

How should I conduct a home inventory?

Completing a full home inventory is simple. Walk through every room in your home and identify all of the contents. This can be done by making a list, taking photographs or even using our mobile app. If you make a list or take photos, make sure to keep them in a secure, fire safe location. Using our mobile app is easy and the information is stored electronically. You can even send a copy via .pdf to your insurance agent. 

Click Here to learn more about our mobile app. 

Click Here for a home inventory checklist

How does a home inventory list relate to my insurance policy?

A home inventory not only helps you in the event of a claim, but it can also help you determine if you have enough insurance coverage. Your coverage should equal the cost of your possessions at today’s prices. Items such as jewelry, furs and fine art should be appraised on a regular basis. This will help ensure you have enough insurance to cover their high-priced values. Also, these items may need to be covered by an extra endorsement or under a separate policy. Ask your agent for more details. 

Once your home inventory is complete, contact your agent at Rinehart-Walters-Danner Insurance to review your coverage and to provide a copy of your home inventory for safe keeping. 


A Nite At The Races To Support The Domestic Violence Shelter

It’s Nite at the Races time!!! This annual event kicks off next Saturday, April 21st at 6pm. Choose your winning horses, bid on silent auction items, win raffle prizes, enjoy an night of fun– all while supporting the services and programs of The Domestic Violence Shelter. 

Tickets are still available and food and drink is included with your ticket. If you are interested in a ticket, contact John Hower at our office. Join us in our support of The Domestic Violence Shelter for a memorable evening.