Many 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.

As 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.

Halloween 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.

2. 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?

3. 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.

The 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.

We 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.