If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster. You need your own coverage, known as renters or tenants insurance in order to financially protect yourself and your belongings.
Renters insurance includes three important types of financial protection:
Coverage for Personal Possessions
Additional Living Expenses
The following checklist can help you choose the right coverage when you are shopping around for renters insurance or speaking with an insurance agent or company representative.
Halloween is approaching. Kids and adults are looking forward to dressing up and going out to trick or treat in the neighborhood. With a little bit of planning you can ensure your ghouls and goblins have a frightfully fun time this year.
More than twice as many children are killed in pedestrian-car accidents on Halloween between the hours of 4 p.m. and 10 p.m., compared with the same hours on other days throughout the year, according to the National Highway Traffic Safety Administration. Police will be increasing traffic patrols on Halloween in order to keep our kids safe, and to catch drunk drivers.
Protect The Trick Or Treaters
Instruct your kids to never go into a stranger’s home.
When shopping for costumes, wigs, and accessories, look for, and purchase, items with a label clearly indicating that they are flame resistant.
Decorate costumes and bags with reflective tape or stickers and, if possible, choose light colors.
Make sure that any props your kids carry, such as wands or swords, are short and flexible.
Only go to homes with a porch light on, and never enter a home or car for a treat.
Children under the age of 12 should not be alone at night without adult supervision.
Don’t eat homemade candy unless you know the family.
Carry a flash light.
Inspect all wrapped candy. If it has been opened toss it out.
Set a curfew.
Clean up your yard.
Make a clear, well illuminated path to your door.
Remember that a lot of Halloween decorations, like dried flowers, straw, and crepe paper are highly flammable. Make sure to keep your decorations away from all open flames.
If you have a large display, make sure all electric cords are taped or secure to prevent tripping.
Practice indoor fire safety by checking all smoke detectors. Make sure candles are placed in a secure area.
Fill up on fiber. Not only does fiber help lower levels of LDL (“bad”) cholesterol, it can aid weight management. Being overweight raises your risk of heart failure by a third, while being obese doubles it. While two-thirds of Americans are too heavy, only half get enough fiber. Top sources include oats, beans, raspberries, blackberries, oranges and green peas.
Go bananas. 99 percent of women and 90 percent of men don’t get enough potassium in their diet. Responsible for regulating the fluid balance in our cells, potassium also blunts the effects of excess sodium. Too much sodium and too little potassium is a recipe for high blood pressure.
Say “no” to that extra cup of joe. Four or more cups of daily brew could elevate blood levels of homocysteine, an amino acid associated with increased risk of cardiovascular disease. Drinking more than two cups of coffee a day can harden the arteries and contribute to arteriosclerosis.
Become a better listener. University of Baltimore researchers found that people with “dominant personalities” had a 47 percent higher risk of heart disease when compared to their more patient, passive peers. So how do you know if you’re “dominant”? Another study identified several markers – including the tendency to interrupt!
Choose healthy fats. Monounsaturated fats (think olive oil, avocado, nuts) – when used in place of saturated fats (think butter, bacon, beef) -help lower cholesterol. Another healthy fat – omega-3 – helps reduce inflammation. Omega-3 sources include wild salmon, walnuts and flaxseed.
Don’t turn breakfast into break-feast. While skipping breakfast actually lowers your metabolism, going overboard is no better. A new study done at the University at Buffalo found that big fatty breakfasts trigger the release of inflammatory chemicals associated with clogged arteries. So skip the stack of flapjacks and opt for a strawberry-banana smoothie.
Go for a raise. In HDL cholesterol, that is. Higher levels of this “good” cholesterol can be almost as important as low levels of LDL cholesterol at keeping cardiovascular disease at bay. In addition to exercise, quitting smoking and limiting trans fats, a University of Scranton study found that drinking cranberry juice could help boost HDL levels.
All of us at Route 66 Insurance Inc. would like to thank you for your continued business, and will be happy to help your family and friends with their insurance needs!
Route 66 Insurance is a full service Independent Insurance Agency. With over 23 years of experience in the insurance industry we are the company you can trust. If you need home, auto, renters, boat, RV, life, health, commercial, bond insurance, or annuities, we are the name you can trust. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best rate for you. As an independent insurance agent we can offer the right coverage(s) with the personal touch you would expect from your neighborhood insurance agent. Give us a call today for a free no obligation quote.
The right homeowner’s insurance can offer you a great deal of peace while protecting your investment. With all-important purchases, it is important to get the best possible combination of coverage, price, and service. When you call our office, we can shop and compare coverage with many different insurance companies.
Price should not be your only consideration; we recommend having the right coverage that is designed for your family.
These are the kinds of coverage you might consider.
• Coverage for your dwelling
• Personal property coverage
• Loss of use coverage
• Liability coverage
• Coverage for other structure coverage
You will also need to determine your replacement value. It is important to ensure your home at the cost to repair and or replace new with like kind and quality.
Having the right deductibles based on your financial circumstances is important to make sure you retain a small risk at a competitive price.
Finally, it is most important to have an agent that can provide the services you need and will be there for you in the event of a loss