Wednesday, January 10, 2018

New Year - The Perfect Time to Get Organized!

Make A Home Inventory

January is all about getting organized, right?  So what better time to document what you own in case you were to suffer a serious insurance loss (like a fire).  

Grab your cell phone and make a short video of each room in your home, focusing on big ticket items.  Many times it’s difficult for our clients to remember every little possession after the shock of a large claim.  Make sure to save the video to your hard drive or the Cloud, so it will not accidentally get deleted from your phone! You’ll be glad you took the time to make the videos if you ever need them.

Deep Clean Your Dryer Vent

A large percentage of home fires begin in the clothes dryer!  Lint builds up in the vent and hose, which can spark a fire.  Unhook the hose and vacuum the area well on a regular basis to keep your home protected.

Organize Your Warranties

Do you have a big pile of warranties, product documents, and receipts stuffed in your desk drawer?  Do you even own those items anymore?  These days, many owners manuals can be found online without taking up valuable drawer storage.  
Also consider scanning and keeping a digital file of your receipts and warranties for easy storage and retrieval if needed.  

Check Your Circuit Breakers

How often do you actually look in the breaker box?  Open it up and make sure the labels are correct and readable.  Also stash a spare flashlight (with working batteries) close by in case of a power outage.

Gather Your Tax Documents

It won’t be long until you’re filing your 2017 taxes.  Start gathering up all the documents you or your accountant will need.  If you find you need a copy of your insurance policies or premiums, call SAV-ON at 888-867-2866 and we’ll be happy to help!  

Know Your Deductibles

When was the last time you reviewed your deductibles?  This is what you would pay out of pocket in the event of an insurance claim.  It’s a good idea to keep this amount in your savings account so it’s available when you need it.  

Feel free to give us a call @ 888-867-2866 or go to www.sav-on.com. We can setup an appointment to review all of your insurance policies in detail.  
January is a great time to get organized for the new year!  Let us know if we can help in any way!  

Happy New Year!  

Thursday, December 28, 2017

Time for New Years Insurance Resolutions

2018 is about to arrive!  And with it come resolutions and goals for a fresh start over the coming months.  

If one of your resolutions for this year was to get organized, then here are some tips on how to get financially “fit” in 2018!  At least as far as your insurance goes...

1.  Set up a meeting with us  

Each year, we like to do a policy review with every client.  We look at all of your policies and update your information.  Insurance needs tend to change with major life events so if you got married, had a baby, changed jobs, retired, or anything else in 2017, you probably need revisions to your existing policies.  Many times you qualify for new discounts or we can point out ways to help you save (like getting a multi-policy discount!)  

We can schedule this meeting over the phone or in the office, whichever is easier. Call us at 888-867-2866 or go to www.sav-on.com to set up an appointment.  

2.  Get a life insurance quote 

For some reason, life insurance is one of those things that gets neglected.  People know deep down that they need it, but often never get around to actually purchasing any.  

Many times you can get a basic term life insurance policy for $30 a month or less.  (Depending on age and health status, of course. It varies for everyone.)  

3.  Organize your insurance documents 

Keep a file with a copy of your current auto, home, and life policies in one easy-to-find place. When your renewal comes in the mail, you can throw out the old copies. Some people also like to keep a copy of their life insurance with their attorney or in a fire safe. We can always help you get a copy if you need it, just call us!  

4.  Put a current auto insurance card in your car and your proof of insurance in your glove box...

...and don't forget to throw out the six old ones that are likely crumbled up in there.  :)  


That’s it!  Let SAV-ON Insurance help you take care of these items and you’re on your way to being organized and properly covered in 2018!

Wednesday, December 13, 2017

Create a Winter Weather Emergency Kit

It’s the time of year when the weather gets cold and the roads get icy. Winter is almost here, and we’d like to share a few things to get you prepared before the winter storms hit!

First things first, you want to have the right supplies on hand, in case the power goes out.  Create a basic emergency kit that includes a battery-powered radio and at least one week’s worth of food and safety supplies.  Also include:

• Drinking water
• Canned/no-cook food
• Non-electric can opener
• Prescription medicine as needed 
• First Aid kit
• Bag of cat litter or sand to add traction on walkways
• Battery-powered lamps
• Carbon Monoxide and smoke alarms in working order

And what about when bad weather hits?  Here are a few things to put on your winter storm checklist:

• Wrap outside spigots in an old towel or t-shirt to prevent them from freezing and cracking.
• Leave water taps slightly open so they drip to prevent frozen pipes.
• Open kitchen cabinet doors under the sink to keep the pipes warm.
• Have an alternate heat source in case the power goes out.  If it’s the fireplace, make sure you have plenty of dry firewood.

The most important thing you can do?  Be prepared!  A benefit to winter storms is that you generally have plenty of warning that one is on the way.  Don’t wait until the roads are icy and dangerous.  Get your supplies packed, your pipes protected, and a backup plan in case of a power outage.  


And make sure that you have great homeowners insurance to protect you from winter’s blast!  We can help with that.  Call SAV-ON at 888-867-2866 for a free quote today.

Friday, November 24, 2017

Why You Should Buy Life Insurance During the Holidays

Have you ever considered life insurance to be a gift?

No it actually doesn’t come wrapped in a box with a bow.  And it’s not all that exciting.  But, in our opinion, it really is the gift that keeps on giving.

Life insurance has gifted families in so many ways.  After the loss of a breadwinner, children have been able to go to college without debt.  Parents have been able to stay at home with their children without needing to go back to work.  Homes have been paid off and long-term dreams have been realized.

All because a family member made the decision to purchase life insurance.

No one wants to think about this coverage, but if there is someone out there counting on your income and support right now…then you need it.  

And we can help you make it extremely easy and affordable.  In fact, studies have shown that most people overestimate how much life insurance by as much as 10x its actual cost!  There are options for everyone.

So why think about it now?  

If you currently don’t have any life insurance or you only have it through your work, then it’s time to come in and talk with us.  We can look at all of the options and find the best solution for you and your family.  

And if you’re struggling with what gifts to buy at Christmas….then look no further!  Your family members don’t need another sweater they’ll never wear or a new set of pots and pans.  They need long-term peace of mind and protection. 


Let us help you gift that today.  Give SAV-ON Insurance a call today at 888-867-2866 or go to www.sav-on.com to set up an appointment. 


Monday, November 6, 2017

Top 10 Reasons to be Thankful for Insurance

Since Thanksgiving is almost here, what better time to think about what we’re grateful for?  And while we love insurance all year long, we’re especially thankful for all the things it does for our clients.  


Reason #10.  You don’t have to panic when a hail storm comes along (and you don’t have a garage).

Reason #9.  You can rent the apartment and know that your possessions are still protected, even if you don’t own your own home yet.

Reason #8.  You don’t have to empty your savings account when an uninsured driver hits your car.

Reason #7.  You don’t have to worry about losing your home to a lawsuit from an honest mistake.

Reason #6.  You can invest in nice things without worry that they’ll be stolen.

Reason #5.  You know that if a big storm comes, you can evacuate to safety without worrying about your home.

Reason #4.  You know that if you were to lose your spouse, you would be able to survive financially.

Reason #3.  You know that your assets are protected, even if you can’t predict the future.

Reason #2.  You know that even if there is a disaster, as long as your family is safe, everything will be okay.  


And the #1 reason:  You don’t have to worry.  We’ve got you covered!

If you're unsure whether you have adequate insurance coverage from all that life throws at you, call SAV-ON at 888-867-2866 and one of our friendly agents will be happy to help you figure it out. Or, go to www.sav-on.com and send us an inquiry!


Thursday, October 19, 2017

Halloween Safety Tips

It's October and that means that Halloween is on its way!  We love any excuse to celebrate around the office. However, we wouldn't be a good insurance agency if we didn't give a few good liability insurance tips for your home, too.

You've heard most Halloween advice over and over, but it's worth repeating:

• Pack a flashlight for when it gets dark.

• Make sure your young child (under 10) is accompanied by an adult; older children who aren’t with an adult should stay in groups of three or more.

• Put reflective tape on children's costumes..
• Check the candy they have collected before letting them eat any.

• Too much candy that night means a tummy ache or  trouble sleeping. Set a limit.

But what about the risks at your home?

Your homeowners insurance covers you if someone is injured on your property. But there are a few things you can do to prevent accidents before they happen:

1. Change your lightbulbs. Is your porch light burned out? What about lights along the sidewalks? Good lightning will help prevent children (and adults) from tripping.

2. Clear hazards. Tree limbs in your yard? A hole you've been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!

3. No open flames. While candle-filled pumpkins are fun to make, they can be dangerous, too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces.

4. Secure your pets. Pets, especially protective dogs, can be startled by the noise and costumes of approaching trick-or-treaters. Make sure you secure them in the house or back yard so they don’t suddenly get "spooked" and attack or injure any of the children.

5. Don't overdo your "tricks". While it’s always fun to have a few “tricks” in addition to the “treats” for unsuspecting kids, make sure you don’t create a trick that could cause bodily injury. Deliberate tripping hazards, falling objects or open flames should be avoided.


And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call SAV-ON today @ 888-867-2866 to schedule a free review and detailed explanation of how we can keep your home and family protected. It won't be scary at all!


Tuesday, October 3, 2017

October Is Fire Prevention Month

October is officially Fire Prevention Month. As your insurance agency, this is an issue that is very important to us! Unfortunately, we've seen clients suffer from home fires, and we want to share some things you can do to prevent a disaster.

Beyond basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove, there are several important things to do with your children or grandchildren to make sure they're safe.

Make an Escape Plan

First, create a plan and talk to your family about what to do in the event of a fire. When children know what to expect, they can remain calm, even during an emergency. Help your child know exactly what he or she should to do if a fire occurs.

Choose a Safe Meeting Spot

Stress the importance of getting out of the house and to your family meeting spot.  Choose an area a safe distance from the house where children should go if making a fire escape. It could be a street light, mailbox, or neighbor's tree.

If you have pets, tell your kids that your pets will find their own way out safely and that they should never go back to rescue the pet on their own. 

Identify Two Different Escape Routes

As a family, go through each room of the house and discuss TWO different ways to get out if a fire occurs. Let children practice opening a latch and unlocking doors too.

Home Fire Drill

Now host a fire drill! Make the practice drills fun and informative. Create sample scenarios and build up your kid's confidence. They'll be better prepared for a fire and you will too!

When it comes to any sort of emergency situation, people are what matter most. Take precautions to protect your loved ones and let your professional insurance agents take care of protecting your home and belongings!  Call SAV-ON at 888-867-2866 for a free quote on your homeowner's Insurance today!