- Never leave a candle burning near anything flammable, or burning in a child’s or an unoccupied room
- Make sure candles fit securely into a holder that won’t tip over
- Blow out any candles before leaving a room or going to sleep
- Keep matches, lighters and other ignition sources out of the reach of children
- Teach children fire safety at an early age
- Make sure children have adequate supervision
- Keep live trees well watered and dispose of them before they become dry
- Turn off tree and decorative lights before leaving the house or going to bed
- Check lights for shorts or other problem before putting them up
- Don’t leave food cooking on the stove unattended
- Don’t throw water on a grease fire; put a lid on the pan to smother the fire
- If there’s an oven fire, turn off the oven and leave the door shut until the fire goes out
- Keep clothing, potholders, paper towels and anything else flammable away from a fire
- Have the fireplace inspected to see if it needs cleaning
- Screen the fireplace to prevent embers for escaping
- Never use flammable liquids to start a fire
- Only burn seasoned wood – no wrapping paper
- When removing embers place in a metal container and set outside to cool for 24 hours before disposing
A. No, it isn’t true, even though it’s a popular myth. So, feel free to test drive that little red convertible.
A. They not only can follow you home, but you can count on it. On top of that, they can have an unwelcome impact on your auto insurance rates.
A. Sorry to burst your bubble, but that’s not true. It’s just another popular myth. In fact, the rates may be higher, since small cars are often owned by younger, inexperienced drivers who have more claims. Medical claims can be higher, too, since small cars lack the weight and protection of larger vehicles.
There was a time when the standard, off-the-shelf homeowners policy fit just about everyone. Not so today. Think of it more as a “hub” for “plugging in” specific coverages or endorsements. Here are a few examples:
Additional insured residence premises is an endorsement designed for those who have an interest in a property but don’t live there. Example: you may have given your son or daughter the down payment for purchasing a home. Your interest can be protected with this endorsement in case of a loss.
Other members of your household. This endorsement provides personal property, additional living expense, and protection to a named individual living in the insured’s home who is not a relative. This includes individuals such as domestic partners or significant others.
Other structures increased limits. This is not limited to buildings, but can include swing sets, patios, barbeque pits and “other structures” in the backyard. A homeowners policy limits the coverage to 10% of the coverage A limit and, quite possibly, creates an underinsured situation. This endorsement can remedy this problem.
Mechanical breakdown. This endorsement covers the mechanical breakdown of household appliances, which are normally excluded. The limit, which is an aggregate, starts at $5,000, but can be increased up to $50,000. With the cost of sophisticated appliances much higher today, having equipment scheduled is worth serious consideration.
Service line repairs. Many homeowners are not aware that they are responsible for the costs of repairing damaged water or sewer service lines that run from their home to the municipal service lines in the street, and which are not covered by most homeowners. However, a Service Line endorsement provides the necessary protection.
For information on homeowners policy endorsements, contact Renee Pike.
WHY GIVE US A CALL?
Pike Insurance is proud to offer a new cutting edge coastal homeowners insurance provider to our customers. We would love to provide a fast and easy quote to you at no cost!
This is an exciting opportunity because our new affiliate is not yet offered by most insurance agents in Massachusetts. Specializing in coastal properties, we can present options, likely offering you better coverage at a lower premium.
Please don’t hesitate to contact us at our website, www.rhpike.com, give us a call at 617-698-7850, or visit at 480 Adams St, Milton, Ma.
We look forward to working with you.
While most people would never leave their keys in their car, a garage door remote can be just as valuable to a thief. Don’t leave the door opener in a car that is sitting in the driveway or on the street. And when driving, be proactive. Information in your glove compartment can reveal your address. Close your windows and lock your doors. Don’t leave a garage remote where it is visible or better yet, take it with you when leaving the car, just like you do your keys.
According to the National Safety Council, serious injuries and fatalities from motor vehicle crashes are on the rise, continuing a troubling multiyear surge that experts believe is being fueled in part by more people driving while distracted by cellphones and other devices. Other factors include an improving economy, lower gas prices, and younger, more inexperienced drivers. And the costs are rising with repairs and greater medical and loss of income expenses.
- the injured person must have incurred at least $2,000 in reasonable medical expenses, and/or
- injuries resulting from the accident must include permanent and serious disfigurement, fractured bone, or substantial loss of hearing or sight
Also, if you fail to list any “customary” operator or licensed household member, your insurance company might refuse to pay your claim.
- Be familiar with the coverage provided by the rideshare company. Since this coverage has strict guidelines, have your insurance agent review the coverages and explain what you need to do.
- It could be a huge mistake to take insurance advice from other rideshare drivers, particularly anyone who tells how to “beat the insurance company.”
- If necessary, have your insurance agent explain the differences between your personal insurance and your rideshare coverage so you don’t put yourself or a third-party passenger at risk.
- Since ridesharing is a new industry and insurance companies are feeling their way, have your insurance agent update you regularly on changes and updates from your insurance company.
And it’s not just injuries from dog bites that are covered – scratching or knocking people down, either viciously or playfully, as well as damaging property are also liabilities.
Understand your liability coverage. Contact us if you have any questions.
- Take one or two credit cards. Use only one during travel, so if there’s a problem you only have to deal with one company to resolve fraud issues.
- Travel with the least amount of personal information as possible. If you are not traveling abroad, don’t bring your passport. Keep your social security card at home.
- Separately, carry photocopies or electronic backups of your passport and other identifications as well as credit cards.
- Don’t keep all your cash in your wallet. If it’s stolen, you will still have some cash on hand.
- Electronic hotel keys can contain personal information, including credit cards. So protect it during your stay and return to the front desk.
- Don’t carry your wallet or valuables on your backside – it’s fodder for pickpockets.
- Don’t throw your boarding passes in the wastebasket – shred them when you get home.
- Be wary of public wi-fi networks, whether in the hotel, at the airport, or a restaurant. Always avoid working with sensitive data when you’re using unsecured, public wi-fi. Control what’s accessible on your computer by turning off file sharing, enabling your system’s built-in firewalls, and keep internet-connected apps and services to a minimum. When you’re finished working online, turn wi-fi off on your laptop, tablet, or smartphone. Keep Your Antivirus and Antimalware up to date.
- When you get home, check credit card statements carefully.