Wednesday, February 24, 2016

Home Fire Prevention and Creating a Family Fire Escape Plan

While many are concerned with the wildfires of summer, winter is the season with the highest danger for house fires. Cold weather means wood-burning stoves and space heaters are in use regularly. Fireplaces crackle with burning wood and electric blankets are put to use to keep warm at night.

But, heating elements and flames can also spell danger. Fires can start and quickly grow into a huge blaze. It only takes a few minutes for an electrical short or a ember from a fireplace to become a devastating blaze, causing a great deal of damage or even death. 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.

Basic Fire Prevention

Practice basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove. If you're a smoker, make sure to light up outside, and make sure your cigarette is out before discarding it. It's best to wet it down before putting it in the trash, as the hot ash could ignite paper or other combustible material.

Natural Gas Leaks

If you have a gas appliance, make sure to follow all the manufacturer's instructions for its use, and if you smell gas immediately shut it off. Wait five minutes and make sure you don't smell any gas, then carefully follow the proper procedure for relighting it. If you still smell gas, turn the gas off, go outside and call your gas company. Don't call from inside the house, as a spark from the phone could ignite the gas. Stay outside until the gas technician tells you it's safe to go back in.

Have a Family Fire Escape Plan

Create a plan and discuss it with your children. When children know what to expect, they can remain calm, even during an emergency. Help your child understand exactly what to do if a fire occurs.

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 even a neighbor's tree, but it should be fairly close, so smaller children won't get lost or disoriented, especially if it's dark.

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.

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.

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!

Get Out Quickly!

When it comes to any sort of emergency situation, people are what matter most.
Don't stop to gather photos, paintings or your favorite coat; it might prove fatal. Fires can spread very quickly, and smoke inhalation kills more people than the actual flames do. Grab your cellphone, escape the house as fast as you can, and make sure your children get out with you! Then call 9-1-1 once you're safely out of the house.

Take precautions to protect your loved ones and let your professional insurance agents at SAV-ON take care of protecting your home and belongings! Call SAV-ON Insurance Agencies at 888-867-2866 for a free quote on your Homeowner's Insurance today!

Tuesday, February 9, 2016

Valentine's Day is a Popular Day for Proposals and Weddings...Make Sure Your Insurance Feels the Love!

February is one of the busiest times of the year for engagements and weddings.  And if you’re planning to tie the knot soon - congratulations! 

Now it’s time to think about what this means for your insurance!  When you get married and combine two households, there are some important insurance things to think about.  Let’s go over some of the most common (and often overlooked).

Auto Insurance

Once you’re married, you’ll want to combine your vehicles onto one auto insurance policy. Bonus?  Many times you’ll get a discount when you have multiple vehicles on one policy!  If you only own one vehicle, just make sure to add your spouse to the policy.

Renter's or Homeowner's Insurance

Next you’ll want to make sure that you have renters or homeowners insurance in place for your new household.  If you’re keeping your current residence, just have us add your spouse to the policy.  If you’re renting and don’t have coverage, have us quote a renters insurance policy!  You’ll save on your auto insurance PLUS protect all of those fancy wedding gifts!

Life Insurance

And finally, have a conversation about Life insurance.  No one wants to think about this important coverage but if you’re planning to start a family or if your spouse depends on your income, then now is the time to get it started.  We can quote an affordable life insurance policy to protect your new family.

None of this is time consuming or difficult!  In fact, it can usually be done in one short phone conversation.  Call us today at 888-867-2866 to discuss your policy!