Planning for the Year Ahead: Review Your Insurance Policies

As the New Year is upon us and we are making resolutions, promise yourself to review your insurance policies so you know where you stand. Too often, we only look at our insurance policies when we first get them in the mail. For example, we forget to update our coverages when we remodel our homes, or when our children begin to drive. Not having a regular insurance checkup can lead to complications later on.

So, while we are making other resolutions, let’s resolve to sit down with us and get an insurance check up. At Farmers we call it a Farmers Friendly Review. A Farmers Friendly Review is our way of helping you design an insurance program to meet your ever-changing insurance needs. There may be events in your life, such as a change in marital status, the birth of a child or the purchase of a home that could affect your insurance coverage. So when you have your meeting, be sure to review:

• The members of your family included on your auto insurance and make sure ages match.
• The amount of your deductible/coverage in case of an accident.
• Do you have rental car insurance, and for how much?
• What perils are covered in your homeowners insurance? Do you want to add flood or earthquake coverage, both of which are not covered under standard homeowners policies.
• The amount of your deductible for your homeowners insurance.
• Whether or not you need additional insurance for jewelry, guns or collections.

Also, be sure to talk to us to understand the replacement cost of your home as this number often gets confused with the market value of your home.

Make that appointment today call 330-339-3431 to talk about which options you feel are best for you.

McKinnon Insurance - New Philadelphia, Ohio 4663

330-339-3431

WWW.FARMERSAGENT.COM/JMCKINNON

Top 10 Holiday Safety Tips

1.     Inspect electrical decorations for damage before use.

        Cracked or damaged sockets, loose or bare wires, and loose connections

         may cause a serious shock or start a fire.

2.     Do not overload electrical outlets.

       Overloaded electrical outlets and faulty wires are a common cause of holiday

       fires. Avoid overloading outlets and plug only one high-wattage appliance

       into each outlet at a time.

3. Never connect more than three strings of incandescent lights.

More than three strands may not only blow a fuse, but can also cause a fire.

4. Keep tree fresh by watering daily.

Dry trees are a serious fire hazard.

5. Use battery-operated candles.

Candles start almost half of home decoration fires.

 6. Keep combustibles at least three feet from heat sources.

A heat source that was too close to the decoration was a factor in half

of home fires that began with decorations. 

7. Protect cords from damage.

To avoid shock or fire hazards, cords should never be pinched by furniture,

forced into small spaces such as doors or windows, placed under rugs,

located near heat sources, or attached by nails or staples.

8. Check decorations for certification label.

Decorations not bearing a label from an Independent testing laboratory

such as Underwriters Laboratories (UL), Canadian Standards Association

(CSA) or Intertek (ETL) have not been tested for safety and could be hazardous.

9. Stay in the kitchen when something is cooking.

Unattended cooking equipment is the leading cause of home

cooking fires 

10. Turn off, unplug, and extinguish all decorations when going to sleep or

leaving the house.

Unattended candles are the cause of one in five home candle fires. Half of

home fire deaths occur between the hours of 11:00 p.m. and 7:00 a.m. 

Please be safe and have a happy holiday season.