Personal Property Inventory

November 19, 2015 at 3:06 PM | Posted in Event Planning, Home, Insurance Claims, Insurance Policy, Personal Insurance, Personal Property, Safety Tips, Specialty Policy | Leave a comment
Tags: , , , , , , , , , , , ,

couchspeakerstableandchairstv iconbed

Why is taking inventory of your Personal Property so important?

If your home was destroyed, or a theft occurred, could you compile a complete list of your personal property from memory?  Most people couldn’t; WHY? Maybe because they’d be too devastated by the loss itself to be able to write down all that was destroyed. Or maybe because after a lot of years, it’s hard to keep track of what one owns! Compiling a complete list is something you’d be asked to do at the time of filing your claim.

We know that putting a dollar value on possessions you’ve accumulated over many years is difficult and that only you can decide the extent of your insurance needs. However, if the unthinkable happened, would you have enough coverage for everything?  Your Personal Property Inventory serves two important functions:

  • as a valuable record of your possessions
  • as a way for you to judge the adequacy of your present coverage – do you have enough?

The inventory list should be stored somewhere safe, preferably away from your home. Our suggestion would be to take a video of each room in your home and store that video off premises – a relative’s home, safety deposit box, etc. Then if the worst happened, it would be available at the time you report your loss.

 

Benefits of a Home Inventory

Obtaining a comprehensive home inventory:

  • Ensures you have the necessary amount of insurance coverage.
  • Identifies items—such as jewelry, coins, antiques, artwork, and silverware—that have limited coverage on a home or tenant policy and helps to determine if additional insurance is needed for those items.

The decision can then be made to purchase additional coverage (known as a “rider”) so the items will be insured for their full value. This then…

  • Allows an evaluation on whether to insure your property and contents at “replacement cost” or “actual cash value.” Replacement cost is the amount it takes to replace or repair your home and possessions with materials of similar quality. Actual cash value is a lower amount that consists of replacement cost less depreciation.
  • Verifies the condition of your assets before moving or placing them in storage in case of loss or damage.

So break out your camera and say action!cinematographer marker

Don’t be caught “underinsured” and/or unable to remember what you own. Call us today to discuss your homeowners or renters insurance policy, and find out what you need to ensure you’re protected in case of loss at our toll free number: 888-850-9400.

 

‘Tis the Season for Apple Picking!

September 16, 2015 at 10:05 AM | Posted in Event Planning, Food | Leave a comment
Tags:

Most people love the fall season due to the beautiful New England foliage, and the fact that apple picking season starts officially on August 26th. Between the beautiful colors of the foliage outside and the aroma of baking apple pies in the oven, what’s not to love about fall?

Even though August is the beginning of apple season, September is really when all the yummy apples are ready for your family to pick at a local orchard and bring home to enjoy.

Remember, “An apple a day will keep the doctor away”!

Here is a great website with the outline as to when which types of apples are ready to pick. Happy Apple Picking!

http://www.eatlikenoone.com/when-are-apples-in-season.htm

Yard Sale and Online Buyer/Sellers Beware!

August 27, 2015 at 9:14 AM | Posted in Event Planning, Home, Personal Property, Safety Tips | Leave a comment
Tags: , , , , , , ,

Tips to keep you, and your items, safe while bargaining…

Online selling

  • Get to know your seller/buyer by talking on the phone to get an impression of the person.
  • Be careful meeting in person.
    • Pick a place to meet;
    • Ask for the best approximate area where they live/work;
    • Never have someone come to your house.
    • Ask questions about the area so you feel comfortable dealing with the seller/buyer.
  • Keep an eye out for red flags of deals that are too good to be true.
    • A seller may not disclose the condition of the sale item.
    • Things may appear different in pictures than in true life.
    • Try to avoid out of state sales
    • If the buyer offers your asking price right of the bat.
    • If the buyer and shipping address are different and you have to jump through hoops to ship the item.
  • Make sure you don’t make a payment before you have the item in hand. Use a secure payment portal rather than wiring money to someone and to ensure there is no repercussion to get a refund if need be. Best way to accept payment is cashier’s check or using a service such as PayPal
  • Don’t give out personal contact information. Craigslist makes this easier since your identity is anonymous and they can forward to your personal email, so if anyone is really interested they can email you. DO NOT give out your phone number or address.
  • Ensure that the item gets to the buyer. Deliveries may be falsely accepted and items undelivered to the recipient. The best way is to track the shipment, requiring a signature at time of delivery. If the item is of high value, it may be worth it to purchase shipping insurance.

Yard sales

  • Recalls on products – confirm on Consumer Product Safety Commission website cpsc.gov
  • Keep in mind that some people may be professional dealers that will buy with the intent to resell to make a profit. This buyer may be aggressive and they normally show up early and pitch hard bargains.
  • Be careful accepting large bills since they may be counterfeit. You may want to consider getting a counterfeit detecting pen. A buyer will attempt to buy a cheap item to get change for the fake money. You can also avoid this situation by simply stating “Sorry, I don’t have that much change.”

With summer coming to an end, people will be cleaning out homes and garages, so sales will be on the rise and you might be able to get a deal!  Keeping these tips in mind will help you stay safe and make you a smart buyer/seller!

Empty Nesting

August 13, 2015 at 9:03 AM | Posted in Event Planning, Home, Insurance Policy, Reminders, Seasonal | Leave a comment
Tags: , ,

This is the time of the year when kids of all ages go back to school. Whether the last child is going off to school, or just leaving the nest, new “empty-nesters” have big adjustments to make to their lifestyles once all of their children have left the home. If you’re an empty-nester, not only will you find yourself with more time on your hands, you will now have more time to focus on you. Here are some ways to stay busy if you are a new empty-nester:

  • Volunteer in your local community
  • Find a hobby
  • Get a job or start a business
  • See the world
  • Reacquaint yourself with your spouse

Before you send your child off to school, and for the sake of some piece-of-mind, be sure to call your agent and review your policies. You may need to adjust your auto policy, especially if your child is taking a vehicle away with them. Also, consider purchasing a renter policy for coverage of your child’s personal property while away at school.

Even though it seems like you have a lot of extra time on your hands now, it won’t be long before your days are filled to the brink again. Enjoy them!

Enjoy Your Vacation, and Prevent Burglaries While Away

July 15, 2015 at 11:24 AM | Posted in Event Planning, Home, Personal Property, Safety Tips, Seasonal | Leave a comment
Tags: , , , , ,

To help ensure the safety of your home while away on vacation, experts recommend the following:

  1. Give the impression that someone is always home.
    • Ask that mail and newspapers be held and/or forwarded temporarily.
    • Set timers for lamps in various parts of the house.
    • Leave shades, curtains, and blinds in their usual position.

 

  1. Have a trusted person watch the home.
    • Notify a trusted neighbor, friend or family member about an upcoming vacation, and ask that person to stop in from time to time.

 

  1. Make the home burglar resistant.
    • Remove spare keys hidden outside.
    • Lock windows and doors.
    • Secure sliding doors with wooden blocks in the tracks.

 

  1. Be careful what you share on social media about your upcoming vacation, or while away on vacation.

 

Now enjoy your time off knowing your home is secure!

 

Preparing Your Home For Your Winter Get-A-Way

February 4, 2015 at 9:35 AM | Posted in Event Planning, Home, Personal Property, Seasonal, Uncategorized | Leave a comment
Tags: , , ,

After all these snowstorms, how many of you are ready to take that winter vacation? Whether it’s to the mountains or to the seashores, taking the time to prepare your home for your absence can prevent a potential disaster from happening while you are away.

Here is a checklist to help you prepare your home:

  • Arrange for someone to plow or shovel so that your home appears occupied
  • Turn the thermostat down to 60 and leave interior doors open to circulate air
  • Put your lights on automatic timers and consider an outdoor motion detector
  • Make sure that all windows and doors are locked
  • Have a trusted neighbor or friend pick up your mail and newspapers every day, or suspend delivery
  • Purge the refrigerator of perishables and take out your trash and secure it
  • Run a computer backup and then turn it off
  • Ask a trusted neighbor or friend to keep an eye on your place and leave a key with them
  • Conduct a home inventory and make sure your homeowner insurance policy is up-to-date

These simple preparations will give you peace of mind while you are enjoying your winter get-a-way. For a review of your Homeowners insurance, please feel free to contact us at 888-850-9400.

ENJOY A HAPPY BUT SAFE NEW YEAR’S EVE

December 31, 2014 at 9:00 AM | Posted in Event Planning, Holidays, Safety Tips | Leave a comment
Tags: ,

Can you believe that in just a few short hours we will be saying goodbye to 2014 and hello to 2015? It seems that the years come and go in the blink of an eye. Some of us will stay comfy and safe in our homes, and may not even stay awake until mid-night, while others will choose to host a party at home or attend parties out and about.  Which ever way you choose to celebrate, please remember to keep yourself and others safe while ringing in the New Year.

Hosting a party?

  • Have a designated driver that could offer guests a ride home
  • Have the number for a local cab company available for your guests
  • Offer the option for guests to stay overnight
  • Have non-alcoholic beverages and food available to your guests

Going out?

  • DON’T drink and drive – remember that buzzed driving is “drunk driving”
  • Always have a designated driver
  • If you are impaired, contact a sober family member or friend to pick you up
  • Have the number for a local cab company saved in your cell phone
  • Stay where you are until you are sober

Enjoy your evening and may 2015 be a year of happiness, health and blessings for you and yours.

Enjoy Live Holiday Trees Safely

December 3, 2014 at 9:34 AM | Posted in Event Planning, Holidays, Home, Safety Tips, Seasonal | Leave a comment
Tags: , ,

Enjoy Live Holiday Trees Safely:

The whirlwind of the holiday season is upon us. One day we’re giving thanks, and the next we’re pulling out the holiday decorations.   When it comes to decorating, artificial trees may provide “less-mess”, than that of a live tree.  For those wishing to purchase a real tree, the fresher trees last longer and are less of a fire hazard.  The following tips are some ways to tell you are choosing a fresh tree:

  • When you bend the needles between your fingers they do not break
  • The needles are hard to pull off of the branches
  • When the trunk of the tree is bounced on the ground, there is not a shower of falling needles
  • The cut end of the trunk is sticky with resin

When you get your fresh tree home, you should cut off an additional two inches of the trunk. This exposes fresh wood which in turn will have better absorption. Be sure to keep the tree stand filled with water for the entirety the tree is indoors. It should be placed away from any heat sources (such as radiators and fire places), and from high traffic areas. You may want to secure the tree to the wall or ceiling with guy-wires which are almost invisible.

As you decorate your tree, check each set of lights for broken or cracked sockets, frayed or bare wires, or loose connections. Use no more than three standard-size sets of lights per single extension cord. Always turn off the lights before you go to bed or leave the house.

Following these few simple suggestions may help ensure that you safely enjoy the beauty and fragrance of choosing a live tree.

Tips for a Tasty Turkey

November 26, 2014 at 11:25 AM | Posted in Event Planning, Food, Holidays, Home | Leave a comment
Tags: , , , ,

Tips for a Tasty Turkey

As folks gather with family and friends to celebrate the Thanksgiving holiday, the center of attention on many a dining table is TURKEY! Below are step-by-step roasting instructions to help you achieve a golden brown, moist, tasty turkey that everyone will rave about:

  1. Remove giblets that are stored in a packet in the neck area of the bird. Remove any large pockets of fat that may be present in the neck area.
  2. Drain any juices out of the cavity and blot it dry with paper towels.
  3. Rub the inside of the cavity and neck area with salt.
  4. Place the turkey breast side up on a rack in a shallow roasting pan.
  5. Brush the bird with oil or melted butter.
  6. Insert a meat thermometer into the thigh area of the bird being careful not to touch bone.
  7. Roast, uncovered without liquid, according to the chart below. If the poultry browns too quickly you can tent it with foil.
  8. Remove from the oven when the temperature is 5 degrees below the desired temperature.
  9. Cover with foil and let stand for 10 to 20 minutes.
Unstuffed Turkey Weight Cooking Time (Minutes Per Pound) Oven Temp.

Internal Turkey

Temp.

8 to 12 lbs. 15 to 20 325° 170° to 175°
12 to 14 lbs. 15 to 17 325° 170° to 175°
14 to 18 lbs. 14 to 16 325° 170° to 175°
18 to 20 lbs. 13 to 14 325° 170° to 175°
20 to 24 lbs. 12 to 13-1/2 325° 170° to 175°

**For stuffed turkeys add 15 to 45 minutes to the cooking time.

If you choose to Deep-Fry your turkey, please keep the following safety tips in mind:

  1. Use the proper equipment – choose a fryer that is specifically built for deep-frying turkeys.
  2. Only deep-fry a thawed turkey – thaw the turkey in the fridge for at least 3 to 4 days prior.
  3. Don’t use too much oil – hot oil spills often result in significant injury and/or fire.
  4. Never deep fry indoors – Always keep a fire extinguisher near by.

We wish you a happy (and safe) Thanksgiving with your family and friends.

 

 

 

Insurance Coverage for Private Events

May 2, 2012 at 9:04 AM | Posted in Event Planning, Insurance Policy, Personal Insurance, Personal Property | Leave a comment
Tags: , , , , , , , , ,

Do you have a special event coming up in your future such as a wedding, graduation party, birthday bash, or bar/bat mitzvah? Since the price tag for these celebrations has escalated over the years, purchasing Private Event Coverage will help protect your investment and ensure that you have proper coverage for the following items:

  • Liability.  Nearly all rented facilities require that you provide proof of liability coverage, and not all Homeowner policies cover outside events. This protects the sponsor(s) of the event if a guest is injured or causes damage to property.
  • Gifts, Special Attire, Jewelry, Rental Property.  Covers the cost of repairing or replacing such items if they are lost, stolen, or damaged.
  • Lost Deposits.  Provides reimbursement of deposits if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up.
  • Severe Weather.  If severe weather such as a hurricane forces you to postpone your event, this provides reimbursement for non-recoverable expenses.
  • Ruined Photos.  If your photographer’s film is defective or negatives are lost or damaged, this covers the cost to re-take new photos.
  • Call to Duty.  If the bride or groom is unexpectedly called up to active duty, or has her/his military service leave revoked forcing you to postpone the event, this coverage provides reimbursement for non-recoverable expenses.
  • Cancellation.  If your event is cancelled, this coverage pays up to the limit for non-refundable expenses.
  • Change of Heart (optional feature).  Recovers expenses if the bride or groom experiences cold feet during the planning process. Subject to limitations.

For less than $200 you can rest assured that unexpected problems don’t ruin your months of hard work. Contact us today at 888-850-9400 to obtain this valuable coverage.

Next Page »

Create a free website or blog at WordPress.com.
Entries and comments feeds.

%d bloggers like this: