Top 10 Halloween safety tips
Trick-or-treat! Halloween is a fun time of year for both children and adults. This holiday continues to gain popularity and is now the second most celebrated behind Christmas.* Whether you’re hosting a party, decorating your house or trick-or-treating with little ghost and goblins, here are some tips to have a fun and safe Halloween.
1.Out of town — Halloween can be a popular time for burglary and vandalism; make sure to set your home security system, activate motion sensor lights and alert your neighbors that you’ll be out of town
2.Jack-o-Lantern safety — Illuminating your jack-o-lanterns smile with a real candle can be dangerous especially since a pet or child can easily knock it over; we suggest using a battery-powered light instead
3.Clean your yard — remove leaves and brush to create a clear path to your home for trick-or-treaters or party guests to help avoid a liability
4.Clark Griswold of Halloween — if you plan on sprucing the exterior of your home, follow manufacturer installation instructions and if anything includes electrical, verify there is a certification mark from UL, CSA, ETL or another nationally recognized laboratory. Don’t forget any exterior light should be plugged into a GFCI outlet
5.Avoid candles — we also suggest avoiding candles for your Halloween bash; instead use witches hats, skeletons and spider webs to set the mood
6.Serving alcohol — will you be serving alcohol to guests? Never serve to anyone underage and protect those who will be driving by serving non-alcoholic beverages. Remember, if you charge a cover-free, this could be considered a business activity so it’s best to consult with your local independent insurance agent to discuss coverage
7.Kids safety — Make sure kids costumes are flame resistant, apply reflective tape to their costumes and bags so children are more visible to motorists and remind your child to always look both ways when crossing the street
8.Remembering your furry friends — Keep your pet inside or somewhere safe so they don’t get spooked by the freights and costumes. Another hazard for animals is Halloween candy, which can be deadly, especially dogs. For their well-being, make sure pets are safe inside and that all treats are stored somewhere they can’t access
9.Driving defensively — Halloween is the deadliest day of the year for young pedestrians.+ Keep your kids safe by having them only cross at designated cross walks, wearing reflective tape if trick-or-treating in the dark and staying close to an adult. And drivers, pay extra attention to your surroundings
10.Check your homeowner’s policy — contact your local independent insurance agent to ensure you are adequately covered for such things like slips and trips or any other type of injury that may occur in your home or yard during Halloween. It’s never good to find out you weren’t covered after you have a claim
Have a happy and safe Halloween!
Think about all the special events in the lives of your children or grandchildren: birthdays, holidays, graduations and weddings. If your like some of us, you spend hours trying to think of the perfect gift – something that will show your child or grandchild just how much they mean to you. Here’s a suggestion and one that you will not find in any store : LIFE INSURANCE for CHILDREN
We know it may seem a little different , but consider the reasons
1. It can last a lifetime – and then some.
2. It build in value
3. There are tax advantages
4. You can get a life insurance for as low as $41.45 a year and it is paid off in 20 years.
We know that your children and grandchildren mean the world to you. If you have any questions about this type of life insurance contact us at Florey Insurance Agency 570-587-2615
First Auto Rate Reduction in YEARS
3 of Major Companies have decreased their rates.This is the first time in Years that we have heard of an insurance company reducing their rates.
Florey Insurance Agency has these three major companies that are having these rate reductions- up to 20% in the cost of insurance.
We would like to give you a quote to see how much we can save you.
Call us at 570-587-2615 and we will take about 15 minutes to get you those savings.
19 questions about renters insurance you’re too embarrassed to ask
1. Wait … renters insurance doesn’t cover my actual apartment?
Nope, it covers the stuff in your apartment …
Umm, well, accidents happen. And stuff is expensive. So, say, a pipe bursts and the leak destroys your furniture or a thief breaks in and steals your laptop. If you have renters insurance, you won’t have to replace all that stuff out of pocket. You can file a claim and get reimbursed for damaged or stolen possessions.
3. You mean my landlord’s insurance doesn’t cover me?
No, your landlord’s homeowners insurance protects the building. It covers, say, structural damage to the apartment itself. But your stuff is … your stuff. It’s up to you to insure it.
4. OK, I get it. So I just order some renters insurance and all the stuff in my apartment is covered?
No — this is insurance we’re talking about, and, as with all policies, there are coverage limits. With renters insurance, those limits come in two forms. There’s an overall limit, specifying how much money your policy pays out in total and there are individual limits on things that are super-expensive.
5. You mean items over a certain dollar amount? More like categories of stuff. So jewelry, collectibles, furs, musical equipment, firearms, art, gift cards, checks, electronics — insurance companies generally set limits for those items.
6.OK, but then the policy pays full-price for the covered items? That depends. There are two types of renters insurance policies.
7. So a replacement cost value policy is better than an actual cash value policy? Well, it pays out more, for sure, but it also costs more (in the form of higher premiums), so you’ll need to assess the value of your things, decipher how much coverage you need and, ultimately, consider the trade-off.Just so you know, renters insurance is actually pretty cheap. In most states, a basic policy costs less than $20 a month. Again, though, how much you pay is affected by how coverage you need, which is based on how much you own.
8. Oh man. How do I figure out how much my stuff is worth?That’s actually easier than it sounds, thanks to technology. There are quite a few websites and home inventory apps out there that help you log, price and track the value of your possessionsolicy pays full-price for the covered items?
9. Why do I need to inventory my stuff? Well, so you know how much coverage to buy. (To give you some context, people commonly opt for $25,000 in personal property coverage and $300,000 in personal liability coverage with a $250 deductible.
10. And the insurance company just accept my estimates?Save receipts, log serial numbers and take plenty of pics. Again, a solid home inventory app can help, but, if this all sounds very daunting, no worries.
11. Is that all renters insurance covers? Stuff? No, actually! Some policies also tout additional living expenses, like hotel stays and even meals if you can’t stay at your apartment as a result of a peril.
12. What do you mean ‘a peril’? Perils are the incidents renters insurance covers. They typically include some weather (hail, wind, lightning), fire, electrical surges, explosions and water damag
13. Right. So you’re saying there are incidents my renters insurance won’t cover?Yes, there are exclusions
14. Wait … renters insurance covers injuries? If someone has an accident at your place, your policy pays for their medical bills or your legal expenses in the event said person sues.
15. Ah. How do I know exactly what my renters insurance covers? By reading the policy closely, of course!
16. Sure. What about bed bugs? Will my renters insurance policy pay if I get bed bugs? Sadly, no, bed bugs aren’t covered by your renters insurance
17. Will renters insurance reimburse whatever my landlord takes from my security deposit? No. Your security deposit is the insurance against any damage you do to your apartment.
18. But wait … my landlord is requiring renters insurance because I have a dog. Isn’t that to cover damages to the apartment? So most renters insurance policies cover pets under the personal liability portion of your policy — meaning if you disclosed Fido’s existence to your insurer and he bites someone, you’re covered when it comes to medical expenses and legal fees.
19.Speaking of gaming the system … say I lose something outside of my apartment. Can I just tell my insurer it was stolen and, you know, call it a claim? OK, well, lying is wrong. And insurance fraud is, you know, a thing, so it’s always in your best interest to stay honest. Having said that, renters insurance actually covers your stuff when it’s not in your apartment. Say, your tablet is stolen from your car
Here at Florey Insurance we want everyone the proper etiquette for speaking with your insurance agents.
We think it is important to know the proper way to talk to your insurance agent. You should always be willing to disclose the proper information to them, because it can help them get you the best rates available.
Boating with infants or young kids? Here are some great safety tips and reminders before you head out to the open water.
BOATING SAFETY TIPS
Wear a Life Jacket
Infant Appropriate Life Jackets
Keep Little Kids Warm
Don’t Rely on Swimming Aids
Childproof Your Boat and Develop Some Basic Rules
Learn From the Professionals
1. Enroll older kids in a boating safety course. Better yet, enroll with them.
2. Get a vessel safety check every year for free from the U.S. Coast Guard Auxiliary or U.S. Power Squadrons. For more information go to www.uscgboating.org and click “get a free safety check.”
Use Your Best Judgment
1. A large portion of boating accidents that occur each year involve alcohol consumption by both boat operators and passengers. To protect your safety and loved ones around you, it is strongly recommended not to drink alcoholic beverages while boating.
2. We know you have a million things to do, but learning CPR should be on the top of the list. It will give you tremendous peace of mind – and the more peace of mind you have as a parent, the better. Local hospitals, fire departments and recreation departments offer CPR training.
3. Make sure there’s a working carbon monoxide alarm on any motorboat to alert your family to any buildup of toxic fumes from the engine.
4. Let your teen operate a boat only in a supervised setting and in adherence to the laws in your area. Laws regarding the operation of a boat or watercraft vary from community to community.
Teach Your Kids the Difference Between Open Water and Pools
Actively Supervise Kids In and Around Open Water