Did You Know Volunteering Has Positive Effects For You?



Volunteering is something near and dear to our hearts here at Rinehart Insurance. Our owners, partners and staff participate in numerous volunteering events each year. We take great pride in supporting and helping out in our community. And we encourage you to join us. 

Volunteer Work

In addition to boosting your social well-being, volunteering can make you feel physically stronger, increase mental sharpness, aid in reducing stress and even help you live longer. Wow! Despite these proven positive effects, only 1 in 4 Americans regularly volunteer. (According to the Bureau of Labor Statistics). If you’re curious about the specific benefits of volunteering or how to get started, read on.

Health Benefits of Volunteering

As previously mentioned, volunteering has proven health benefits. A few of those benefits include:

  • Increased mental and physical activity – Participating in volunteer activities gives you the opportunity to move and think in different ways than you’re used to doing. Both at home or at work. And, there’s a good chance that you’ll be on the move while volunteering. This will increases your overall physical activity level, too.
  • Reduced stress levels – Giving back to those in need is said to enhance one’s sense of belonging, meaning and appreciation. Those are all elements that can help reduce your stress levels.
  • Increased social well-being – By going out and volunteering in your community, you’re broadening your social circle and forging new relationships. As well as giving back to those who are in need. All of these activities can increase your social well-being, a component that plays a large role in your overall health.

Volunteers may work full time, part time or be retired. Some may volunteer with one organization a few hours a week. Others with multiple organizations several hours a week. No matter what amount of time that is contributed, studies show that volunteers have an overall healthier, happier outlook on life.

How to Get Started

There are many organizations that can benefit from your volunteer time. A good place to start looking is within your community. Pick one that complements your talents, interests, schedule and physical abilities. When you’re thinking about what you’d like to do as a volunteer, it may be helpful to think about what’s motivating you. Some volunteers are motivated by the following:

  • Helping others
  • Learning about the community
  • Meeting new and interesting people
  • Working in a team environment
  • Feeling like they made a difference
  • Gaining valuable life experiences
  • Acquiring new skills

Once you’ve determined what’s motivating you to volunteer, you’ll be able to narrow down your search for local volunteer programs. For example, if you enjoy helping others, it may be beneficial to try to volunteer at a hospital or clinic. If you want to learn more about your community, volunteer on a community council or committee.

How to Have a Successful Experience

Online listings or a newspaper are great options to identify volunteer programs. To ensure a successful outcome for both you and the volunteer program, ask yourself the following questions:

  • When can I begin?
  • What skills can I offer? 
  • What skills can I gain?
  • How much time can I commit?
  • What would I not want to do as a volunteer?
  • How often do I want to participate?
  • What community issue do I want to affect through my volunteer service?
  • What group or population do I want to serve?

Making the decision to volunteer is greatly appreciated by those in need. A small task for you can make the world of difference to someone else. From one community member to another, we Thank You! 

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.   

4 Renters Insurance Myths and The Truths You Need To Know

Renters Insurance

Renters InsuranceRenting instead of buying is a preferred way of living for many. Moving to a new location and being unsure of where you want to stay permanently. Not wanting or having the extra money for a down payment. Or simply wanting the ease of knowing you don’t have to worry about home maintenance or repairs. Those are all common reasons you may rent instead of purchasing a home. However, just because your landlord has insurance coverage, doesn’t mean that you should not purchase renters insurance. 

Insurance is an important protection you need for yourself and your family. There are many myths out there when it comes to renters insurance. We’re here to discuss those myths and make sure you have all the information you need to make an informed decision. 

I don’t have enough stuff to get renters insurance

Things add up fast! Your electronics, appliances, clothes and even food are all large expenses that can be protected under your policy. 

My landlord’s insurance will cover the damages to my belongings

Typically, a landlord’s insurance policy only covers the physical building. Not anything that’s within the walls or that belong to a tenant. 

Personal belongings are the only things covered under renters insurance

Renters insurance can also cover damages to someone’s property within your home. And, depending on the limits of your liability coverage, it can cover some or all of the medical expenses if someone happens to get injured on your property. 

I can’t afford renters insurance

Renters insurance can be incredibly affordable. Although pricing can always vary, some policies can cost as little as a couple cups of coffee at your favorite cafe. 

Did you know that if your home becomes uninhabitable for reasons covered in your policy, the insurance company will reimburse you for your temporary living expenses until you are able to find a new place to live? Your insurance policy is there not only to protect your belongings, but so much more. 

Don’t wait until it’s too late to start thinking about renters insurance

We spend a lot of time and energy filling our living spaces with items that make it feel like home. It only takes one unexpected event to have it all stripped away. Renters insurance can give you peace of mind knowing that you and all of your belongings are covered. 

Click Here to learn more. 

The Flu And How It Affects You

the fluEvery year, anywhere from 5% – 20% of the U.S. population gets the flu. Around 200,000 people are hospitalized due to its complications, and another 36,000 die from it. Those are some shocking numbers!!

So what exactly is the flu?

The flu is an infection of the respiratory tract caused by the influenza virus. It can cause mild to severe illness, and at times can cause complications leading to death.

Flu Symptoms often include some or all of the following:

  • Fever or chills
  • Headache
  • Fatigue
  • Coughing and/or sore throat
  • Runny or stuffy nose
  • Muscle or body aches
  • Stomach ailments such as nausea, vomiting and diarrhea (this is more common in children than adults)

The flu is spread primarily with coughing, sneezing or talking close to others. It can also be spread if an individual touches a surface that was touched by an infected person, and then touches his or her own mouth, eyes or nose. People are typically contagious from 1 day before symptoms start to 7 days after symptoms appear.

So what do you do if you have the flu?

  • Stay home from work or school
  • Get lots of sleep
  • Drink plenty of fluids
  • Take over-the-counter (OTC) medications appropriate for your symptoms
  • Seek medical attention if you are concerned

The best way to treat the flu is to avoid it all together. Prevention is the key to keep the flu away. Simple things such as getting a flu shot, keeping your distance from sick people or washing you hands immediately after interaction with them and maintaining a health immune system by eating health and exercising regularly are all things that can help you avoid getting the flu.

In the unfortunate event the flu turns into something more serious seek immediate medical attention. Now may be a good time to also review your insurance coverage to make sure you have insurance coverage if you are unable to work for an extended period of time. 

How To Avoid Back Injuries While Shoveling


  • shovelingYou arrive home after a long day of work and go figure…you can’t get into your driveway because the snow is too deep. After wading through the snow to get in the house, get on your snow gear and grab a shovel, it’s time to get shoveling. This is no easy task and you will quickly break a sweat, but be careful not to break your back.


Shoveling Precautions

It’s a good idea to warm up your muscles before shoveling by walking around for a few minutes or marching in place. Then stretch your arms and legs to allow your muscles to move more efficiently. (You wouldn’t run a marathon before warming up, this should be no different). After you’re all warmed up make sure you use the correct snow shovel. A bigger shovel doesn’t always mean better, especially with heavy snow. Look for a D-grip handle to provide a hand placement position that is more angled to the mounting surface.

Make sure to use proper technique while shoveling (yes there is such a thing). Stand with your feet at hip width apart to maintain your balance while keeping the shovel close to your body. Then, bend at the knees, not your back, and tighten your abdominal muscles as you lift the load on the shovel. If you need to move a load to one side of your body, re-position your feet to face the direction in which the load is good.

Dealing with the snow is bad enough, why have to deal with doctors, chiropractors and your health insurance too?

The Mid-Ohio Youth Mentoring Comedy Benefit Show Is This Saturday!

Mid-Ohio Youth Mentoring

Mid-Ohio Youth MentoringMid-Ohio Youth Mentoring, formerly known as Big Brothers Big Sisters of North Central Ohio, is a well known local program. They have mentored children, ages 5 through 16, in communities across Mid-Ohio for the last 24 years.

Visiting their website you can see their mission

“Our mission is to provide youth in our community with a mentor that supports, encourages, and provides opportunities, that will help them achieve success in life.” 

In order to make their mission successful, they need donations.

One popular event they hold annually is the Mid-Ohio Youth Mentoring Comedy Benefit Show. This year’s show is Saturday February 9th at 7pm. (A perfect event if you are looking for something to do with your Valentine!) To get your see more details and purchase your tickets, visit their website. 


Help us support them by spreading the word. 

Mid-Ohio Youth Mentoring

Important Information You Need To Know When Filing A Homeowners Insurance Claim

Homeowners insurance claim

Homeowners insurance claimDealing With a Homeowners Insurance Claim

If you’ve had a fire, water damage or another unfortunate event in your home, don’t fret. We have all the information that you need to get your claim underway so you can get your life back to normal.

When you have a homeowners insurance claim, your actions can make all the difference. Here’s how to maneuver through the claims process with ease:

  • If you were away from your home when the incident occurred, exercise caution when entering your property. If your property has sustained major damage, contact your local government officials to determine how you should proceed.
  • Report downed power lines to the utility company, and keep your electricity off if there is standing water in your home.
  • If it appears as though it is not safe to be at your home, leave.
  • Contact us to report how, when and where the damage occurred. Make a note of the claim handler’s name, telephone number and identification number when you call.
  • Protect your home from further damage without putting yourself in danger. This may include boarding up windows and salvaging possessions that did not sustain much damage. Your claim handler can advise you on how to do so safely
  • Prepare a list of damaged or lost items from your home.
  • Keep damaged items in your home until the claim handler has come for an inspection. Also, consider documenting the damage with pictures or video.
  • Provide receipts for damaged items if you saved them.
  • If you need to temporarily relocate, save all your receipts for additional expenses. Your policy may cover you for additional living expenses during this time.
  • Once you’ve reported your claim, the claim handler will send you some documents to complete within a specific period of time. Contact us if you have any questions, and return these forms promptly.
  • Contact your mortgage lender to notify them of your loss and to discuss potential contractor bids. Your lender may want to inspect a contractor’s job before making a final payment.

Let us help you throughout the process—contact us if you have questions or concerns. If you have not reviewed your homeowners insurance policy lately, please do so soon. It’s better to review your coverage before you need it. 

Click here to read more about homeowners insurance coverage. 

What You Need To Know If You Have Employees Working Outdoors In The Cold

Working Outdoors in the cold

Working Outdoors in the coldEmployees working outdoors in the cold are at risk of serious health problems. They are at risk for hypothermia, frostbite, dehydration and muscle injuries, just to name a few. Frigid temperatures can also cause additional pain for those who suffer from arthritis and rheumatism.

Click here to learn more about hypothermia.

To prevent injuries and illness as a result of working outdoors in the cold, it’s important to learn about the causes, symptoms and safety considerations to take so you are prepared to handle winter’s worst.

Causes of Cold Weather Injuries

According to the Occupational Safety and Health Administration (OSHA), there is no exact temperature at which the environment becomes hazardous. Instead, factors such as low temperatures, wind speed and wetness contribute to cold-induced injuries and illness.

  • Exposed skin freezes within one minute at -20° F when the wind speed is five miles per hour (mph), and will freeze at 10° F if the wind speed is 20 mph.
  • When skin or clothing is wet, injury or illness can occur in temperatures above 10° F, and even above freezing (32° F).
  • When the body is unable to warm itself, hypothermia and frostbite can set in, resulting in permanent tissue damage and even death.

Signs of Injury and Illness

If you or a co-worker have any of the following symptoms, get indoors and alert your supervisor or call for medical attention if they do not subside:

  • Uncontrollable shivering
  • Slurred speech
  • Clumsy movements
  • Fatigue
  • Confused behavior
  • White or grayish-yellow area(s) of the skin
  • Skin that feels “waxy”
  • Numbness

It’s important to note that many people suffering from the warning signs of frostbite do not notice because the tissue is numb. Therefore, it is wise for employees to check on each other periodically.

Safety Considerations

To reduce the risk of cold-induced injuries:

  • Layer clothing to keep warm enough to be safe, but cool enough to avoid perspiring excessively. It should also contain the following:
  • Inner layer – a synthetic weave to keep perspiration away from the body
  • Middle layer – wool or synthetic fabric to absorb sweat and retain body heat.
  • Outer layer – material designed to break the wind and allow for ventilation, such as GORE-TEX®.
  • Wear a hat. Almost 40 percent of your body heat escapes from your head. If you wear a hard hat, add a winter liner that covers your neck.
  • Place heat packets in gloves, vests, boots and hats to add heat to the body.
  • Watch out for the effects of cold temperatures on common body functions, such as:
  • Reduced dexterity and hand usage
  • Cold tool handles reducing your grip force
  • The skin’s reduced ability to feel pain in cold temperatures
  • Reduced muscle power and time to exhaustion

No one wants to see anyone get injured or worse. Even though you have business insurance coverage, you definitely do not want to use it. Taking extra precautions to keep employees and yourself safe are the key to get through these winter months.

Click here to learn more about business insurance information. 


4 Ways To Save On Prescription Medications


PrescriptionIt’s not uncommon to be on some sort of monthly prescription medication these days. Regardless of what they are, changes are you are looking for ways to cut costs or find less expensive alternatives. We have put together a list of 4 tips to help you with this tasks. 

1) Look for Generic Alternatives

If you are on a brand name prescription, ask your doctor about the generic equivalent. Many times, the generic works just as well as the brand name. Many of the generics have the same active ingredients as the brand name. Your Doctor will be able to determine if this is a good solution for you or not. 

2) Use Mail Order Services

Most health insurance plans offer mail order services on maintenance medications. You can typically receive a 90 day supply direct to your door. And, some plans give you a discount purchasing 90 days at a time instead of the typical 30 days. 

3) Check for Discounts Through The Drug Manufacturer

Did you know that many brand name drugs offer discounts directly through the drug manufacturer. Your doctors office typically has information about these offers. You can also find information by looking online. Many discounts offer that prescription medication to you at specific discount. Others offer some sort of copay assistance where it reduces your copay. There is usually some sort of coupon or rebate card for these services. 

4) Visit the GoodRx website

The website GoodRx is a tool you can use to find the best discount for your prescription. It also tells you the retailer that has that prescription at the lowest cost. Simply visit the website, enter the name of your prescription and click the search button. You will be presented with a list of results and if available, direct links to coupons or discounts. 

You can visit their website by clicking here.

We hope you have found some great tips in this blog. Please share this information with others. 

What You Need To Know Before You Lower Your Auto Insurance Limits

Auto Insurance Limits

Auto Insurance Limits

The cost of living can be pretty expensive. Everyone is looking for ways to cut costs and lower expenses. Auto insurance premiums are one expense many would like to lower. While you may be tempted to lower your auto insurance limits make sure to weight out all the risks. 

Determining Which Coverage You Need

An auto insurance policy is designed to provide you with a level of protection in the event you are involved in an accident. This includes protection against property, liability and medical costs. Understanding the different parts of coverage is important when selecting your auto insurance limits. 

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage. 
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. 
  • Underinsured motorists coverage pays for property damage and bodily injury caused by another driver whose coverage is insufficient to cover damages suffered.  

Selecting the correct liability limits is fundamental. On your auto insurance policy you will see your limits listed something like this – 100/300/50. In this example 100/300/50 means you are covered for up to $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident and $50,000 in property damage per accident.

Many states have minimum liability limit requirements. You may be tempted to reduce your liability limits to the minimum legal level. Or even dropping underinsured motorists coverage. While it may reduce your premium, it could also subject you to substantial risks. 

Collision Coverage – Know The Value Of Your Car

Your policy will not pay for repairs that exceed the value of your vehicle. For this reason, if you are driving a vehicle that isn’t worth more than a few thousand dollars, it may not make sense to purchase collision coverage. Your agent can help you determine if collision insurance makes sense for you. 

Top Ways To Save On Your Auto Premiums

  • Consider raising your deductible.
  • Keep up your good driving record.
  • Drive less to qualify for a low-mileage discount.
  • Drive a car with safety features such as anti-lock brakes and airbags.
  • Install an anti-theft device.
  • Ask about our multi-policy discount. 

We’re here to help. Accidents happen to cautious drivers too. Having adequate auto insurance limits can save you from serious financial burden should you be involved in an accident. We can help you determine which auto insurance coverage is needed and what limits to purchase.