Are you looking for a fun evening that benefits a good cause? Join us this Thursday, July 12 from 6-8pm at Westbrook Country Club. Three of our agents will be competing to raise money in a Celebrity Bartender Night. The proceeds from the night will benefit the United Way of Richland County. Our three celebrities will be – Gary Walters, Matthias Stewart and Zach Delong. Most of you probably know Gary Walters, our president. But have you met our two newest agents? If not, this is a great time to stop out and say hello!
About The United Way of Richland County
Events like Celebrity Bartender Night help raise funds for the United Way. These funds will be used to help individuals in our community in need. They are led by local people and based in the heart of Mansfield.
According to their website:
“United Way ensures that the funds you entrust to us are invested wisely in programs county wide. Our volunteer allocations teams review fundraising requests, conduct program site visits, evaluate program outcomes, and ensure community needs are being met. We monitor all dollars granted, year round, to ensure your dollars are impacting our community”.
Join us in helping raise funds for this great local organization. Below is a flyer with details for the night. We hope to see you there!
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 Remember
- 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.
A new home, less work for you, now it’s time to relax and enjoy all the amenities…well, maybe not yet. If you own a condominium, it’s important to make sure you don’t have any condominium coverage gaps. Owning a condo creates both common and personal insurance needs. Make sure to determine what exactly is covered by your association’s master policy, and what is not.
Condo Association Master Policy
Typically, the condo association carries a master policy. This policy insures all of the property and common areas that are collectively owned by the unit owners. However, it usually does not provide any protection for the interior of your unit or personal possessions. That leaves you with condominium coverage gaps. So what do you do?
Purchasing Your Own Coverage
A Condo Insurance policy is designed to help prevent condominium coverage gaps. A condominium is different than a standard home, therefore it needs a specialized policy. The policy includes coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.
In addition to the covering your belongings, you will also want to purchase liability protection. This will cover you against lawsuits for bodily injury or property damage that you or a family member cause to other people. In some cases, it even includes coverage for pets. It will pay for the cost of litigation as well as any court awards. Coverage will be provided up to the limit of your policy, and covers you at home or away.
Other potential Condominium Coverage Gaps
Some additional coverages to consider including:
- Unit assessment coverage: This coverage reimburses you for the expense passed on to you by the association as long as the cause of loss was covered by the association’s policy.
- Sewer backup: This coverage insures your property for damage by the backup of sewers and drains. It does not include flood protection.
- Flood or earthquake: These can strike anywhere, so It’s important to understand your risks and check into coverage options.
We are here to help. Give us a call if you would like to review your current coverage or if you need to get a brand new policy.
This is a question our benefits department receives quite often.
“What’s the difference between a copay and coinsurance?”
For most it can be quite confusing. The short simple answer is a copay is usually a set dollar amount and coinsurance is a percentage of the cost. Let me explain.
Copay’s or copayment’s are fixed dollar amounts you pay for covered health care. These are usually charged when you receive the service. For example you pay a set $20 when you visit your primary care doctor.
Coinsurance is your share of the costs of a covered service. It is calculated as a percent of the allowed amount for the service. For example, if the plans allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven’t met your deductible.
The below image from a Summary of Benefits and Coverage shows you example of the listings for copay and coinsurance.
How Will Confusing Copay and Coinsurance Cost Me?
Depending on your plan, you could find yourself in a situation where you pay extra money because you choose the wrong type of provider. Say your plan has a $100 copay for a Urgent Care visit but if you go to the Emergency Room your plan has a 20% coinsurance cost. You just have strep throat and not a life threatening situation. The Urgent Care will cost you $100 but the Emergency room will be 20% of the total cost. I don’t know if you’ve been to the Emergency Room lately but most of the times just to walk in is about $1000! That alone has you at $200 ($1000 x 20% = $200). Just by choosing a different type of facility you overspent. But by understanding your benefits can help. (The above are strictly fictional numbers, but you get the idea).
Health Insurance can be confusing especially if your new to handling your own coverage or have never taken the time to read up on the definitions. Copay and coinsurance are just the tip of the iceberg so to speak. But don’t fret, we are available to answer any questions you may have. Give our benefits department a call today with any questions you may have.
You can also view the below blog post that goes into more detail on other health insurance benefit definitions.
Do You Understand The Insurance Benefits Offered By Employers?
Dad’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
Here 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
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.
Electricity 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.
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.
Monday 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.
It’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.
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.
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!
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