Prepping your home in the event you lose power or a natural disaster strikes - in Lacey, Washington

Five Things You Should Always Have on Hand 24/7 in Your Home & Vehicle

Prepping your home in the event you lose power or a natural disaster strikes - in Lacey, WashingtonWe all know the importance of being prepared, but what percentage of us actually do the prep work? A good way to ask yourself if you are prepared is to assess what you have on hand now. If a disaster struck today or if you lost power for several hours to days, would you be prepared? If the answer is no, use this list to start preparing yourself this week. January can be a great time of year to start a new habit!

Checklist for home –

  • Non-perishable food: canned goods, noodles, bars, cereal, dried fruit, nut butter, crackers and other items with a longer shelf life are important to have on hand. If you currently use an electronic can opener, be sure to have a manual can opener too. You should have enough food supply for several days. Check on your inventory every six months. Also, make sure everything you have for an emergency your family will eat.
  • Water: Water isn’t just essential for drinking, but can be used for brushing your teeth, cooking food, and washing your hands. Keep one gallon of water on hand per person minimum. A several-day supply is even better.
  • Flashlights: when your power is out, flashlights are essential. Be sure to have a few on hand. A variety of flashlights are handy – traditional and lantern style. Be sure to have extra batteries stored away too.
  • First Aid Kit: you can get a variety of sizes and features with many first aid kits. Even without planning for a power outage or natural disaster, this is a good one to have in your home or car.
  • Battery-powered generators or gas generators: An ideal item to have for a natural disaster is a power generator. This allows you to run lights, refrigerators and change your cell phones. This technology has come a long way recently so be sure to look at the options available and get one with enough power to suit your needs.
  • Bonus items: filtered masks to protect you from contaminated air and an emergency whistle.

Your home should require more emergency items on hand. It is important to keep your vehicle stocked with essentials in the event you get into a car accident, experience a flat tire or your car breaks down, as well as items for cold weather.

Checklist for your vehicle –

  • Reflective triangle
  • Flashlight
  • Ice Scraper
  • Cell Phone Charger
  • Blanket
  • Bonus: jumper cables & first aid kit

All of these items can prepare you if you have a flat tire, need roadside assistance, and aid with bad weather.

While we hope you never have to experience a natural disaster or accident, we hope you are always prepared. If you have questions about your home or auto insurance, call our agency. We can review your coverage to ensure you have the protection you need.

New Years Eve Party Tips in Lacey, Washington

New Year’s Eve Party Tips & Things to Consider in the New Year

New Years Eve Party Tips in Lacey, WashingtonMany people prefer to host a New Year’s Eve party instead of going out to celebrate. If you plan to gather with friends and family at your house, there are a few things to keep in mind when it comes to being a host.

Watch how much alcohol you are serving your guests

Not only should you be aware of how much you are serving your guests, but you should also be aware of who is driving home. It’s always best to have a designated driver if your guests plan to leave your home the same night as the party. If you over-serve alcohol & a guest drives home & gets into a car accident, you could be found liable for the damages. Instead of risking an accident, call an Uber, Lyft, or local taxi service to ensure they get home safely.

Do you have any tripping hazards or icy walkways?

Did you know you could be liable if someone injures themselves on your property? If someone trips over an object outside or slips on your walkway, you could be responsible to pay for any medical bills that may accrue from the injury.

Is it time to review your insurance policies in the New Year?

If you have experienced life changes, reach out to your insurance carrier about reviewing your current insurance coverage. Life changes should be a good time to review or update your policy.

For example, if you recently remodeled your home, be sure to relay this to your agent. This is important for your home insurance policy. If your home ever experiences significant damage, your home may not be covered at the correct amount if you failed to tell your insurance carrier of major remodeling updates.

If you find yourself driving less, you may want to make an update to your auto insurance policy. Teen drivers can also impact your auto insurance coverage. If your teen is going to start driving in 2023, talk to your agent about getting your teen added to your policy.

Life insurance also should be updated if you are getting married, divorced, having children, retiring, etc. There may be certain years where you want more insurance coverage or certain years where you need less coverage. Our agents are here to provide you with professional advice so you have the right coverage at the right time for your unique situation.

Lastly, if your insurance premiums have increased significantly, reach out to us. While insurance premiums have been up across the board this year, we may still be able to help match you with a different carrier at a more affordable price. We’ll shop all our carriers & can provide you with options to choose from.

Wishing you and your family the happiest New Year.

lowering your risk for theft this holiday season in in Lacey, Washington

Lower Your Risk for Theft This Holiday Season

lowering your risk for theft this holiday season in in Lacey, WashingtonThe holiday season tends to see some of the biggest crime waves throughout the year. Here are some things to be aware of when it comes to lowering your risk for theft this holiday season.

Vehicle Break-ins:

Nobody wants to have their vehicle broken into. Not only does it cause a major inconvenience, but it feels violating & you could have valuables stolen out of your vehicle. To lower your risk of a break-in, always follow these tips.

  • Never leave valuables in your car. There are many scenarios where you may have valuables in your car, whether for a short period or a long period. If you are out doing holiday shopping, store items in your trunk or cover them so they are not exposed. If you are parking your vehicle outside overnight or for an extended period, always remove valuables from your car. When parking for an extended period, you are at a higher risk for a break-in. Even if your vehicle was broken into, at least you can say you didn’t have anything for the burglar to take.
  • Park your vehicle in well-lit areas. This could prevent thieves from breaking in if they think they could be caught on a security camera.
  • Always lock your car. Get in the habit of locking your car each time you get out of your vehicle. Unlocked doors gives prowlers a free look to see what is inside & a locked car can sometimes prevent valuables from being stolen.

If I had valuables stolen out of my vehicle, does my auto insurance policy provide coverage?

The short answer is no. Comprehensive coverage on an auto insurance policy will provide you with coverage if your vehicle is stolen. Items stolen from inside your vehicle are typically not covered.

Mail Theft:

Many people receive gifts in the mail during the holidays. Gift cards and cash can often be found in holiday cards & thieves may be out lurking in your mailbox hoping to score your gift. Here are a few tips to always remember this holiday season regarding your mail.

  • Get in the habit of picking up your mail daily, even if you have a locked mailbox. Prowlers can still break into your mailbox if they see mail sitting there.
  • If you plan to be gone for an extended period, hold your mail. This can be done online for free with USPS.
  • Ask a trusted neighbor, friend, or family member to pick up your mail.
  • Don’t place cash, check, or gift cards in your outgoing mail. Did you know a thief can easily use your checking account number on your check to steal your identity? If you can, take outgoing mail to a drop-off location.

Doorstep Theft & Home Security:

Many people do more online shopping during the holidays which means more packages getting delivered to your doorstep. Thieves are aware of this. Follow these tips to lower your risk of theft at your home:

  • Track all your packages. If you see a package is getting delivered on a day you will not be home, ask a friend, family member, or neighbor to grab it for you.
  • Ship packages to a different location. This could be your work or friend or family member’s home where someone will be around to pick up the package for you.
  • If your delivery provider has the option to pick it up at their distribution center, consider this option if you will not be home.
  • If you can provide a message to your delivery provider, consider asking him or her to leave your package in a specific location at your house that is not visible to thieves.

We hope you have a wonderful holiday season! If you have any questions about your insurance policy, please contact our agency.

Rodent Damage & Preventative Steps to Take This Winter in Lacey, Washington

Rodent Damage & Preventative Steps to Take This Winter

Rodent Damage & Preventative Steps to Take This Winter in Lacey, WashingtonAs the temperature continues to drop this time of year, humans aren’t the only ones seeking warmer areas to rest. Mice, rats, and other rodents move indoors this time of year to nest as well as look for more food sources that may be stored. It is your responsibility to protect your house from rodent damage as damages caused by rodents or other animals is not covered by an insurance policy.

What types of damage can rodents cause?

Rodents that nest in crawl spaces under a home can wreak havoc on your insulation as well as any items that you may store in there. They will make bedding out of anything soft including pulling down your insulation, shredding up paper, cardboard, and fabric so if you store things in your crawl space, be sure they’re in a sealed plastic bin so the rodent can’t chew or scratch its way through.

Urine & Droppings: Mice and rats can make a smelly mess. The adage that says don’t go to the bathroom where you sleep isn’t true for mice and rats. They don’t seem to mind and if your home has a rodent problem, you’ll see (and often smell) droppings on everything.

How did a rodent get into my house?

Rodents are crafty and will burrow under a home and enter through a dirt floor (like in a crawl space) or they can squeeze through cracks in a foundation, a broken window, or gaps around the home such as exterior boards. Once inside, they can squeeze up into your walls and make their way all the way around your home. Rats often make their way up into attics. If you have a rat in your attic, you’ll likely hear it scurry around.

Preventative Steps to Protect Your Home from Rodent Damage

To protect your home, do a visual inspection for any obvious places a rodent could squeeze in. If your home has a crawlspace, look for vents around the foundation and inspect those as oftentimes, the screens that keep things out become damaged and allow for room to get in.

Never store food in your garage or crawl space. Food will attract rodents. If you do store food, make sure it is in air-tight containers.

How do you get rid of rodents in a house?

Unfortunately, the only way to get a rodent out of a home is to trap it. There are a variety of traps available but beware of using any that contain poison if you have children or animals in your own home. Additionally, poison traps can leave a dead animal in an area you can’t reach, leading to a stinky problem for quite some time. Consider calling a professional or even using humane traps to remove the rodents.

Before you trap, be sure you’ve remedied the entry point. Because the problem will quickly return if you haven’t solved the entry point issue.

Will my insurance pay to repair rodent damage?

No, rodent damage is not typically covered by a home insurance policy because this type of damage occurred over an extended period of time. Rodents can take months or years to create noticeable damage, but by then it is too late and the damages you couldn’t see are extensive. Your best option is to call several crawl space cleanout or insulation companies. They can give you a quote to fix the damage as well as seal up your crawl space to avoid future issues.

Take care of your home and your home will take care of you. If you’re needing a quote on a great insurance policy to help protect it, give us a call. We represent the top-rated insurance companies and can give you multiple options for coverage as well as pricing.

Home and Auto Insurance in in Lacey, Washington

Home & Auto Insurance Have Increased & We Explain Why.

Home and Auto Insurance in Anchorage, AlaskaInsurance premiums are calculated based on how much it will cost to replace or repair your home or vehicle as well as your overall risk. Your overall risk is broken up by several factors that can impact your auto insurance such as your driving record, claim history, age, credit score, zip code, the make and model of your car, and the type of insurance coverage limits & deductible you choose. Your home insurance premium factors can be based on the age of your home & condition, your zip code, credit score, home safety features, the coverage limits & deductible you choose, claim history, and more.

We are seeing a trend that many customers continue seeing an increase in auto and home insurance premiums at renewal, even if their overall risk has not changed.

Home insurance has increased because construction costs have gone up due to a shortage of building materials and labor. Not only has there been a shortage in materials and labor, but the cost of materials and labor wages have also increased. Lastly, there has been an increase in home insurance claims due to natural disasters. Anytime an insurance carrier experiences an increase in insurance claims, they will increase their future premiums for customers. This can even extend across state lines.

Car insurance has also gone up for several reasons such as more accidents occurring, a shortage of skilled labor, and car parts have increased in price. All these factors make insurance premiums more expensive.

If your home or auto insurance policy premium increased significantly at renewal, don’t panic & give us a call. We represent the top insurance carriers, which means we work for you. We have the ability to shop your current coverage with all of our carriers & provide you with several quotes. This gives you the option to have competitive prices, as well as several choices.

We can also provide you with professional insurance advice. We always want you to have plenty of insurance coverage to ensure you are protected in the event you have to file a claim.

Here are some things to consider when it comes to lowering your premium: 

1.) Bundle your home or renters insurance policy with your car insurance.

2.) Stay on top of home maintenance to lower your risk of a claim. A few areas to assess are your roof, plumbing and electrical. Insurance claims can impact your future insurance premium so if there is a way to prevent a claim, this is crucial.

3.) Talk to your agent about an insurance review. When you increase your deductible, your premium gets lowered. Please note if you do experience a home insurance claim, out-of-pocket expenses would be increased due to a higher deductible.

4.) Ask for a re-quote with other carriers. This is a big advantage of working with a local, independent insurance agency. We have many choices for insurance!

Contact our agency today with any questions or concerns you have about your insurance policy.

Things to consider for this halloween in Lacey, Washington

Three Things to Consider for Halloween This Year

Things to consider for this halloween in Lacey, WashingtonHalloween is a great holiday in many ways. Whether it is dressing up, decorating your home, watching a scary movie or simply enjoying some fun size candy, Halloween brings joy to all ages. Here are a few things to consider making the most out of your holiday.

  1. Be aware of tripping hazards around your home

If your plan is to stay home and pass out candy, it is important you prep your home first. Whenever strangers step foot onto your property, you do have a liability risk. To lower your liability risk, be sure to check your driveway or stairway for tripping hazards. This can include hoses, extension cords, debris, loose decking boards, decorations or outdoor toys.

If someone were to trip or fall on your property, there could be a chance you are liable. Walk your property to make sure you do not have anything someone could trip on. If you live in a cold environment, you should also evaluate if there are any areas that are slick that someone could slip. While most people think of icy stairs, wet leaves and algae growth can also be something to think about.

Lastly, if you own a dog, have a plan. Some dogs do not like having strangers walk up to the door or may be disturbed when the doorbell rings. If your dog falls in this category, make a plan for what you can do to keep your dog calm. The last thing you want is to have your dog bite someone, as you could be liable.

  1. Have a plan if trick or treating

Whether you are going trick or treating with your child or if your teenager wants to go trick or treating with friends make sure you have a plan for the night. What neighborhood provides good sidewalks? What are safety tips you can share with your teenager about walking in the dark or talking with strangers?

  1. Pack safety gear & be extra cautious when driving

Whenever you are walking or driving at nighttime, you want to be extra cautious of your surroundings. If you plan to be walking around & trick or treating, be sure you pack safety gear such as a flashlight or a bright vest or reflective clothing. You want to be visible to drivers on the road and those two items can help. Glow sticks are also fun for kids to hold at nighttime.

If you will be out & about, be aware of trick or treaters. Drive slowly when entering your neighborhood. Some individuals may not be visible with flashlights or bright vests, so it never hurts to drive cautiously.

We hope you enjoy your Halloween. If you have questions about your insurance coverage, reach out to our agency. We are happy to do an insurance review or provide you with multiple quotes.

Fire Prevention in Lacey, Washington

It’s Fire Prevention Month – How To Lower Your Risk For a Home Fire

Fire Prevention in Lacey, WashingtonOctober is Fire Prevention Month. In this blog, we’ll talk about some of the most common ways a fire can start and we’ll provide you with some tips on how to prevent them from starting.

Smoke Alarms

The number one defense against fires is having a working smoke alarm, so it is crucial that you regularly check to make sure that your alarms are working. Replace your batteries whenever they get low.

If your smoke alarm begins to make an annoying beeping sound, that is your alarm telling you that its batteries are running low on power. It is also a good idea to test your smoke alarm every six months.

It varies from unit to unit, but many times there is a button you can press that will trigger a test alarm. If you try testing it and nothing happens, then that is your sign to buy a new one.

Candles

Candles are a popular item to use this time of year. Candles can easily become a fire hazard if they are left too close to other flammable items, such as drapes or a blanket, or if they happen to tip over.

If you plan on using a candle, make sure you use one that has a wide base, so it doesn’t tip over easily, and you place it away from anything that could be flammable. Also, if you have to leave the room, make sure to always extinguish the candle. Alternatively, the safest option is to use an electric candle since they have an almost zero chance of starting a fire but still produces the same light and fragrance that normal ones do.

Chimney

With the temperature beginning to drop, you might be wanting to start using your chimney soon. It is important you take some precautions first. You should get your chimney inspected annually to prevent any leftover debris or soot that could potentially start a fire.

A good reminder when using your fireplace is to always make sure your fire is completely out when you are done using it. Any leftover embers can start another fire, and if you aren’t around, it’s possible for that fire to get out of control. To avoid this from happening, use a shovel to break up the burnt firewood and spread them out in your fireplace. Then, use sand, ash from the fire, or even baking soda to smother the remaining burning embers so oxygen can’t reach them. Water, however, should never be used since the steam can end up pushing out embers and fire particles from the fireplace into your home.

Appliances

The kitchen is where half of all house fires start according to the National Fire Protection Agency. There are several appliances in a house or apartment that if not used properly or safely can easily become a fire hazard.

One simple tip when using your kitchen: never leave your kitchen unattended if you are cooking.

Many fires in the kitchen start not from the food or oil being cooked, but also by simply leaving flammable items too close to what you are cooking. Examples such as oven mitts, towels, etc. can easily catch fire if left too close to the stove.

Dryers in laundry rooms are an additional appliance that you should be cautious of when you use them. The buildup of lint is one of the biggest reasons a fire can break out in your laundry room. Lint is flammable, and if it is not cleaned out regularly, it will continuously build up and the risk of a fire will grow larger.

Extension cords and power hubs are a convenient way to charge or power all of your electronics, but you need to always make sure you are not overloading them, otherwise, you can risk starting an electrical fire. Before using it, you should read the instructions (if provided) of your extension cord so you’re aware of its limits and how not to exceed them.

If you are using the cord to power a larger appliance, make sure the extension cord can handle the electrical load and don’t overload it by adding additional appliances. You should also purchase cords that have been tested by independent testing labs to help verify its safety; You should see a sticker displaying this on the extension cord and/or its packaging.

We hope these tips have given you better insight into how to prevent fires in your home. If you would like to learn more about fire prevention, or what your homeowners insurance covers in a fire, contact our agency today.

Night driving tips in Lacey, Washington

Exercise Caution This Fall & Winter with Nighttime Driving

Night driving tips in Lacey, WashingtonThe joys of fall and winter include going to pumpkin patches, seeing family and friends for holidays, skiing, sitting by a warm fire, and more; however, these seasons also bring longer nights which means increased risk on the roads.

Many drivers aren’t aware of the challenges of driving in the dark and with longer nighttime hours ahead, it is a good time to touch up on some safety tips for evening drives.

Sometimes, there’s no way around driving at night. So here are some suggestions to help you make a safe trip– whether you’re just running to the store or you’re headed to another city.

  1. Make certain your car’s lights are in good working condition. Not only your headlights but turn signals, taillights, etc. Also, if there are no other drivers around, use your high-beam lights to allow yourself to see better and farther while driving.
  2. Avoid speeding. Leave a bigger gap between you and other cars than you would during daytime hours. Also, leave yourself even more time for the trip so you don’t need to speed to arrive at your destination on time.
  3. Eliminate distractions. You shouldn’t be on your phone, messing around with the radio, or searching for something while you’re on the road anyway. Distractions are a lot more dangerous at night.
  4. Be aware of your surroundings. Pay attention to the road as you drive and always be on the lookout for wildlife. You should also be aware of other drivers and keep your distance, especially if their driving looks suspicious. Nighttime is when you are most likely to encounter a driver under the influence.

Data shows that nighttime driving has an increased risk of fatalities, so slow your driving at night and take your time.

Nobody likes to be lectured on safe driving, but understanding what causes nighttime driving to be more dangerous can help you eliminate risks.

What you need to understand about driving at night:

  1. Your vision is reduced. Many drivers complain about decreased vision at nighttime. This can be due to a foggy windshield, poor windshield wipers, or simply the fact that our eyes don’t work as well at nighttime. In fact, peripheral vision is greatly reduced in the dark, and having a good peripheral vision is paramount to lane changes, crosswalks, and unprotected intersections.
  2. Speeds too fast for conditions. Did you know that you can drive too fast for your headlights? This means that your headlights can only illuminate so much of the road ahead of you. Driving at night greatly increases your chances of animal collisions because you are simply traveling too fast to slow your vehicle when an animal is in the roadway. When appropriate, slow your vehicle speed by 10-15% at night to give yourself great reactionary time to things like wildlife in the roadway.
  3. Impairment. The holidays and darker days increase the consumption of alcohol and drunk drivers. Because alcohol can decrease your good judgment, it is a good idea to consider using rideshare drivers. A simple Uber or Lyft ride can save you thousands, not to mention your life or the lives of others.
  4. If you are feeling drowsy or fatigued, immediately find a place where you can either rest and wake up, or if you have another eligible driver in your car, trade places with them.

Many drivers avoid driving at night altogether. Especially as we get older our confidence and reaction time decreases. If you have any more questions about driving at night or want to discuss your auto insurance policy, feel free to give our agency a call today.

Fall and winter driving in Lacey, Washington

How to Prep Your Car for Fall and Winter Seasons

Fall and winter driving in Lacey, WashingtonWith summer coming to an end and cooler weather beginning to approach, now is a great time to get ahead and get your vehicle ready for fall and winter. Fall might seem early to get your car ready, but this season can produce hazardous weather that can make driving dangerous for those who are not prepared.

Depending on where you live or even where you might be driving, you could experience cold weather that can cause slick roads. To help keep you safe while driving during these seasons, we provided some tips to help get you and your vehicle ready for the changing road conditions.

Make Sure Your Car is Serviced

One of the best ways to help lower your risk of a car breakdown or accident is to make sure to keep your vehicle is well maintained.

Here is what to check:

  • Check your tire tread. A good way to combat fall and winter road conditions is to make sure your tires are in great condition. If your tires have poor tread depth, this can affect your car’s traction abilities. If you drive over mountain passes or live in a cold environment, you should also consider adding specialized winter tires to your vehicle so you have an additional level of traction for driving.
  • Is your heater working? Not only will this provide comfort for you when the air outside is cooler, but it will also help defrost your windshield in case fog or ice begins to form on your glass.
  • Check your brakes. With the chance of the roads becoming slippery causing braking distances to be increased, you’ll want to make sure that your brakes are well inspected.
  • Check your headlights. Fall and winter can bring the darkest time of the year, making objects outside of your car more difficult to see if your car’s lights are dim. Make sure all of your headlights shine bright enough so you can easily see any obstacles. Additionally, make sure your tail lights are bright enough too so that other drivers behind you can see you.
  • Check your windshield wipers. Review your wipers to ensure they are in good shape. If your car gets into contact with any leaves, moisture, debris, etc. you can depend on your wipers to be able to keep your windshield clear and easily visible.

Additional items to consider:

Store warm clothes or a blanket in your car

In an emergency event where your car breaks down on the side of the road in cold weather, it is important to keep warm while you wait for assistance. Pack warm clothes in your car ahead of time so you can stay comfortable if this event ever happens. A good rule of thumb is to pack clothes that you would be comfortable wearing for a long time outside.

Keep Basic Tools in Your Car

  • A windshield scrapper helps you quickly scrape ice from your windshield.
  • A first aid kit can be very helpful. We recommend always keeping one in your trunk.
  • Double-check that your emergency roadside kit is ready in the event you need to change your tire. This can include a jack, a jack handle, a tire iron, a screwdriver, and of course, your spare!

We hope you never have to experience a car breakdown or accident. Being prepared for the unexpected can help make a bad situation better.

If you have any questions about road safety, your auto insurance policy, or adding roadside assistance, please contact our agency.

Fun summer ideas in Lacey, Washington

Fun Ideas to Make the Most Out of Your Summer

Fun summer ideas in Lacey, WashingtonWe are already one month into summer. If you have kids, that means the new school year is just around the corner. Maximize your summer by using the last few weeks to create great summer memories. This doesn’t mean you have to take a special vacation, as you can easily find fun things to do around your house or in your local community. Here are a few ideas to make the most out of your remaining summer.

  • Make something fun in the kitchen

Summer offers amazing seasonal produce to create a fun experience in the kitchen. Consider making homemade ice cream, a fruit pie or cobbler, or grill up something fun on the BBQ. A new recipe or a family favorite recipe makes for an easy, fun experience at home. You can enjoy doing this by yourself or with friends and family.

  • Attend a local event

Local events can vary from attending a major or minor league baseball game, your local farmer’s market, music event, local festival, comedy show, and more. Consider seeking out what local events are going on this month for something new and exciting to try.

  • Get outdoors

When it comes to getting outdoors, there are many options to choose from. You can stay close to home by visiting a new park or you can hop in your vehicle and drive a few hours to fish, hike, camp, boat, paddleboard or kayak, and more. The outdoors can be a great space to get away, take a digital detox and enjoy nature.

  • Take a road trip somewhere in your state

Sometimes many of us like to venture somewhere out of state for road trips even though fun places exist closer to home. It is easy to think you can visit something close to home at any time. Pick a time this summer to plan a day trip or extended road trip to something new you haven’t seen in your home state. You may find it could be a new favorite location to visit.

  • Plan a Gathering

Fun gatherings always create lasting memories. Nothing says summer like a summer BBQ, pool party or slumber party for your child with his or her friends. Finish summer off with a fun gathering with friends or family.

Here are a few tips for having a safe gathering:

  • If you have kids near or in a pool, make sure there is a dedicated adult watching the pool.
  • Do not leave the grill unattended, especially if there are children present.
  • When BBQing, make sure you have a fire extinguisher ready.
  • Keep food at the recommended safe temperature before cooking to avoid making you and your guests ill.
  • Make sure your grill is clean of grease and gunk, and there are no bits of metal left over that will contaminate your food.

We hope you enjoy the rest of the summer season. If you have questions about your insurance coverage, we are here to answer your questions. Contact us today.