It might seem like insurance agencies go on and on about the importance of having the right auto shop insurance and having enough coverage. And it’s true – we do. But for good reason. Auto repair shops are not without their risks, and all it takes is one disaster to turn the world upside-down for an unsuspecting business. One auto body shop in Saratoga County, NY, experienced such a disaster when a fire struck in mid-March.
It’s that time of year again – time to set the clocks back one hour and get some extra time to sleep! Daylight Savings Time ends at 2 am on November 05 (Sunday morning), so don’t forget to “fall back” and put your clocks back an hour before going to bed Saturday night. But Daylight Savings Time means there’s something else you shouldn’t forget to do – it’s time to change the batteries in your smoke detectors. You should do this every six months, which is why it’s convenient to do at Daylights Savings when you set your clocks forward or back. It makes it easy to remember. Yes, it might seem tedious to buy new batteries and dig out the toolbox to change all the batteries in all the smoke alarms in your home, but we have a number of good reasons to do so. Home insurance might replace your home and your belongings, but obviously, it can’t replace lives.
According to the Red Cross, it can take as little as two minutes for a home to be engulfed in flames. It’s terrifying to think of how swift and devastating a house fire can be – one reason why you need to make sure you have enough home insurance. When a fire hits, the most important thing is the safety of you and your family. That’s why you and your loved ones need to be prepared – when a fire starts, time is precious. Everyone needs to know what to do when the smoke detector goes off or they smell smoke. For everyone to get out of the house and to safety as quickly as possible, you need to have a family fire escape plan. We’ve got a few tips to help you put together your fire escape plan and keep your family safe.
Are fire pits covered by my homeowner’s insurance policy?
There is something nostalgic about sitting around a fire with friends and family toasting marshmallows and eating s’mores! In fact, some of your fondest memories may come from sitting around a fire.
It is no wonder then that fire pits have become very popular in recent years.
This fact raises a few questions:
- Is my outdoor fire pit covered by my home insurance policy?
- Does it matter what kind of fire pit I have?
*Updated on July 18, 2017.
When it’s hot and muggy outside, we become truly thankful for air conditioner systems! It’s hard to imagine what life was like before they invented AC. When it’s 98 degrees in August and the humidity is 100%, you’d give anything to turn the air conditioner on. This can lead to a problem: air conditioner fires.
A 2016 report from the National Fire Protection Association (NFPA) gives some somber statistics. In 2014, air conditioning, fans, or related equipment were involved in an estimated 7,800 reported U.S. home structure fires. Sadly 50 people died and 260 were sent to the hospital with injuries.
Is there anything you can do to prevent lightning storm fires?
Think back to when you were a kid. What did you do when you heard thunder and saw lightning fill up the sky? Hide under the covers? Run to your parent’s room? Today, as adults we know and respect the power and danger of a lightning storm.
Are your children at risk?
If you are a parent and have children, then read closely to what we are about to discuss. Your children are precious to you and they mean everything.
Prevent House Fires using these space heater safety tips
As winter draws near you might want to take out your little space heater to take the chill out of the morning air.
Well, STOP. Don’t do anything until you read this first.