Tuesday, July 20, 2010

Burgermeister Meisterburger

No, I am not referring the crotchety mayor that refused to let the children have toys, I am talking about our favorite summer pastime… grilling.
Me, personally, there is nothing I like better than something grilled. It sends me into prehistoric like grunts and belly rubbing that currently make my kids giggle, but surely will one day mortify them.
However, each year serious injuries occur because of grill use/misuse. My goal as an agent is not only to be there to help you when you have a loss, but to help prevent that loss from ever occurring.
So what should you do? Erie compiled a list of safety tips that are good to keep in mind. Some of these are no brainers (hopefully…) and some are things we often just don’t think to do. Enjoy and remember… I like my burgers rare. 
Gas grill safety tips
• Check grill hoses for cracking,
brittleness, holes and leaks. Make sure
there are no sharp bends in the hose
or tubing.
• Make sure your grill’s propane tank has
a three-prong gas valve handle. As of
April 1, 2002, the three-prong design
replaced a five-prong handle as the
safety standard.
• Move gas hoses as far away as
possible from hot surfaces and dripping
hot grease.
• Always keep propane gas
containers upright.
• Never store a spare gas container under
or near the grill or indoors.
• Never store or use flammable liquids, like
gasoline, near the grill.
• Never keep a filled container in a hot
car or car trunk. Heat will cause the gas
pressure to increase, which may open
the relief valve and allow gas to escape.
• Make sure your spark igniter is
consistently generating a spark to create
a flame and burn the propane gas. If the
flame is not visible, the heavier-than-air
propane gas may be escaping and could
cause an explosion.
• Never bring the propane tank into
the house.
• When using barbecue grills on decks or
patios, be sure to leave sufficient space
from siding and eaves.
• Keep children and pets far away
from grills.

Charcoal grill safety tips
Keep in mind that charcoal, when burned
in grills, produces carbon monoxide (CO).
To reduce the risk of CO poisoning:
• Never burn charcoal inside of homes,
vehicles, tents or campers.
• Charcoal should never be used indoors,
even if ventilation is provided.
• Since charcoal produces CO fumes until
the charcoal is completely extinguished,
do not store the grill indoors with freshly
used coals.

Tuesday, February 24, 2009

Is Now Really the Best Time to Look for New Insurance?

The answer is yes, it really is. Stimulus packages aside, most people are worried about the economy. Everyone is looking to save money were they can, however most people forget to shop their insurance out to see if they can get a better price. In fact, shopping for insurance quotes is just as important as refinancing if you are looking to lower your monthly costs.
Most financial experts recommend you shopping for insurance every couple of years to make sure you have the best policy at the best price. Insurance companies change their premiums from year to year, so what was the best price 3 years ago may be not be today. And in today’s economy who wouldn’t like to save a couple hundred or even a couple thousand dollars a year right now (yes, the savings could be that dramatic).
The reality is, it costs nothing for you to have a couple agencies look at your policies. You may find none are able to save you any money, but then you can rest satisfied you are in the right place for now. Most insurance companies offer a multi-line discount, which means the more business (home, auto, umbrella, life) you give them, the more you can save. So at the very least, if your home and auto are not with the same company, consider having each company give you a one quote to write it all. You might be amazed.

Monday, January 26, 2009

Let's get started...

Insurance, in its most basic form, is intended to indemnify you in the event of a loss.

Over the years, insurance companies have expanded their policies to provide coverage for an increased number of events or circumstances that could cause a financial loss to you, the insured.

Along with the expanded coverages, most insurance companies have also improved their level of service to you by offering information or services that can reduce or eliminate some types of loss. Yes, these preventative measures might save the insurance company some money, but more importantly, they could save you from losing something of great value – be it a prized possession or simply the time and hassle of having to deal with repairing or replacing something.

Because of the broader coverage polices, I know there have been many times where people have paid for things out of their pocket that would have been covered by insurance and they did not realize it.

At the other end of the spectrum, and even worse, there have been many times when someone was unprepared for a loss because they thought an event or circumstance would be covered and it was excluded.

I have been grateful that many times over the years I have been able to save people money by letting them know that a loss they had might be covered by their insurance. People are often surprised at how inclusive their coverage actually is. Unfortunately, every policy does have exclusions and limitations. Those exclusions and limitations can be devastating if you are not prepared or protected otherwise.

I like helping people sort through what can be boring and overwhelming for them, but interesting and exciting to me. I like working with people and helping them protect the important things in their lives.

I started my own insurance agency for all these reasons and I think this blog will be a good extension of my work. Please feel free to contact me with any questions you might have. Even if I am not your agent, I willing to help with your insurance questions.

My hope is that this blog will serve as a resource to help people manage the risks in their lives be more aware of what is available to protect them.