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.  

 

Fire Safety and Prevention, What You Need To Know

Fire Safety

Fire SafetyHome 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?

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 tips with everyone you care about, you can never be too careful! 
Your friends at Rinehart-Walters-Danner Insurance.   
 
 

What You Need To Know About A Health Savings Account

health savings account

health savings account

 

If your employer offers health benefits, there is a chance they offer a Health Savings Account compatible plan. You may be familiar with those type of plans, or it may sound like a different language. Don’t fret if you don’t understand. That’s where we come in. Below is a basic breakdown of an HSA.  

What is a Health Savings Account?

Also know as a HSA, a Health Savings Account is a savings account that you can use to pay for medial related expenses. It can be funded by tax-exempt dollars by your employer, by yourself or by anyone else on your behalf. The funds in the HSA account can help pay for eligible medical expenses not covered by an insurance plan. This can include copays, deductible, coinsurance and prescriptions. 

Who is eligible for a Health Savings Account?

In order to open and contribute to a HSA plan there are a few stipulations. You are eligible if you are: 

  • Covered by a high deductible health plan (HDHP)
  • Not covered under another medical plan that is not an HDHP
  • Not entitled to (eligible for AND enrolled in) Medicare benefits
  • Not eligible to be claimed on another person’s tax return

What is a HDHP?

A high deductible health plan is a plan with a minimum annual deductible and a maximum out-of-pocket limit that is set by the IRS. These limits change annually but for 2018 the limits are as follows:

    Type of Coverage         Minimum Annual Deductible       Maximum Annual Out-of-pocket 
Individual $1,350 for 2018 $6,650 for 2018
Family $2,700 for 2018 $13,300 for 2018

So how does it work?

Your high deductible health plan does not provide co-pays when you visit a Dr or pharmacy. That leaves you to pay the total expense of the visit or the prescription. Your claims will still be ran through your insurance company and most will be re-priced at the negotiated price from your insurance company. You can then use the funds in your HSA account to pay for those expenses. Most HSA accounts will offer checks or debit cards to make paying bills easy. The important thing is to make sure you are using those funds for qualified medical expenses. If you use the money for non medical expenses you will be subject to additional taxes and penalties. 

Click here to learn how your HSA works with Retirement.

A few more things.

Unlike other accounts, a HSA is not one that you have to use or loose by the end of the year. You can contribute money into this account and not touch it for years. It will just stay in the account until you need it. The IRS also puts yearly caps on how much you can contribute each year into your HSA. You can click here to learn more. 

If you have additional questions, we are are happy to help! 

Rinehart Insurance Is Bowling To “Spare-A-Little”

Spare A Little

Spare A LittleWhether you roll a strike, a spare, a split or a gutter ball; it doesn’t matter. The goal is to have a good time and raise funds for Mid-Ohio Youth Mentoring. On March 24th we will have about half our Rinehart Team doing their best to “Spare-A-Little”.

This event is a great way to have some fun and do some good, at the same time! This year marks the 22nd year for this annual event. Funds raised will help them provide youth in our community with a mentor that supports, encourages, and provides opportunities, that will help them achieve success in life. 

Do you want to do your part? Below is the event link where you can learn more, make a donation, or even have a team of our own. Happy Bowling!

Spare-a-Little for Kids bowling event. 

Driving Safe In Bad Weather, What You Need To Know

Driving safe in bad weather

Driving safe in bad weatherThis crazy Ohio weather can definitely be challenging to drive in. Rainy one day, snowy the next. Driving safe in bad weather is a must for Ohioans, regardless of the season. Do you know how to modify you driving during rain, snow or fog? What if we get the random tornado? If not don’t worry, we’ve put together some tips to keep in mind. 

Rain And Thunderstorms

  • Turn on your headlights, wipers and defroster to increase visibility.
  • Drive in the tracks of the vehicle ahead of you and reduce your speed.
  • Allow for increased space between your vehicle and the one in front of you.
  • If you hydroplane, hold the steering wheel straight and remove your foot from the gas.

Tornadoes

  • If you are driving in a tornado, get out of your vehicle and find shelter. If there is not a building nearby, lie in a ditch and place your arms over your head.

Snow, Sleet and Freezing Rain

  • Clean ice and snow off your windows, hood and trunk before departing.
  • Drive with extreme caution and at reduced speeds.
  • Do not brake quickly as you may spin out of control.

Fog

  • Slow down before you reach a patch of fog in front of you.
  • Use only your low beams or fog lights and put on your defroster and wipers to increase visibility.
  • If the fog is extremely thick, roll down all of your windows to hear other vehicles around you.

Taking extra precautions and following these tips will help keep you safe. Driving safe in bad weather is critical for your, and your family’s, safety. Share these tips with your friends and family today to help keep them safe. 

3 Reasons You Need To Purchase Flood Insurance

Flood Insurance1

 

A single inch of water from flooding can cause serious damage to your home and personal belongings. Melting snow, heavy rain, and even dam failure can put you risk. While there may be little you can do to prevent a flood, there is something you can do to help yourself. Purchasing a flood insurance policy adds an extra layer of insurance coverage in the event of a flood related loss.

However, not all water losses are considered flood damage. For losses to be covered under a flood insurance policy, the following definition of a flood applies:

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: overflow of inland or tidal waters; and unusual and rapid accumulation.

Therefore, below are 3 reasons you need to purchase flood insurance.

1. The number one natural disaster in the United States is flooding

According to the Federal Emergency Management Agency (FEMA), flooding is the nation’s most common natural disaster. Twenty percent of flood claims are filed by people living in moderate- or low-risk areas. Flooding not only damages your property and belongings, it damages your financial security. Paying to fix damaged property and replacing belongings can quickly drain your hard earned savings.

2. A standard homeowners policy does not cover damage from flooding

Submitting a flood damage claim under your standard homeowners insurance policy will unfortunately result in a denial. Because flood damage is excluded, you will be left to foot the bill for any expenses incurred.

(Click here to learn more about a standard homeowners insurance policy).

Purchasing a separate flood insurance policy will cover losses caused by flooding. This could include things such as:

  • Structural damage
  • Furnace, water heater and central air-conditioning
  • Flood debris clean up
  • Electrical and plumbing systems

3. Federal Disaster Assistance is limited

Federal disaster assistance is only available if the president formally declares a disaster. Even if you do get disaster assistance, it’s often a loan that will require you to pay it back, with interest. As long as there is not a formally declared disaster, you are left to pay for clean up, fixing and replacing damaged property and belongings.

Stay protected

Flood insurance means you’ll be reimbursed for all of your covered losses. As long as your community participates in the National Flood Insurance Program (NFIP), you’re eligible to purchase flood insurance. In general, a policy does not take effect until 30 days after you purchase the coverage. However, if a lender requires flood insurance, in conjunction to making, increasing, extending or renewing your loan, there is not waiting period.

To learn more about flood insurance visit our page by clicking here. For more information on flood insurance coverage’s and premium costs click the link below or call our office today.

Flood Insurance

 

 

 

 

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