Moving into a new house is an exciting time. But it can also come with a steep learning curve.
From the moment you get the keys, you’ll start to discover what makes your home unique – including the many systems that make it function.
As you familiarize yourself with the ins and outs of a new space, it helps to start with the basics. Because, let’s be honest: The best time to find your water shut-off valve is before your first leak – not after.
Here are 15 essential things you should know about in your new house:
Electric panels. Knowing the location of your home’s electric box will quickly pay off the first time you trip a breaker. Typically, electric panels are located in a basement, garage or utility closet. After finding them, familiarize yourself with the design of your breaker box. Know how to turn off the main circuit, as well as individual breakers. If the breakers aren’t labeled, take some time to turn each circuit off and correctly label the areas of your home they power.
Water shut-off valve. Whether you need to replace a leaky faucet or prevent a burst pipe from flooding your home, it’s important to know how to quickly turn off the water supply. To do this, you’ll need to locate the shut-off valve connected to the main water line entering your home. If your home has a basement, check for the shut-off along one of the outside walls. If your home does not have a basement, check for the water shut-off at ground level near your hot water tank. After you find it, make sure everyone in your home knows where the shut-off is located in case of a plumbing emergency.
Because things like sewer and drain backup or flooding can happen at any time and can be expensive, consider adding Extended Water coverage1 from Erie Insurance. It protects you if you have damage from floods caused by natural disasters, along with other causes of loss such as water backup from sewers or drains. With Extended Water, you’ll have coverage for direct physical loss to your home, garage or other structures, and personal property that’s been damaged as the result of an extended water event.
Gas shut-off valve. Depending on your home’s configuration, a number of appliances may be fueled by natural gas – including your water heater, fireplace, furnace, oven, dryer and more. Local building codes typically require that every natural gas fixture has its own shut-off valve. But in case of a gas leak, you should also know how to turn off the main gas supply in your home. In most cases, your main gas shut-off valve will be located outside the home near the gas meter (it may also require the use of a wrench). And remember: natural gas leaks can be deadly. So if you suspect a gas leak in your home, call 911 and evacuate the area immediately.
Dryer vent. Did you know that clothes dryers cause roughly 15,500 home structure fires, 29 deaths, 400 injuries and $192 million in direct property loss each year? To help protect your home from dryer fires, make sure you clean the lint from your dryer – and dryer vent – regularly. To clean your dryer vent, start by locating the point where it exits the house. This will likely be on an outside wall near your laundry room. But depending on your home’s design, the dryer could also vent through the roof. Then, use a dryer vent cleaning kit (available at any home improvement store) to remove any trapped lint. And make sure the vent isn’t obstructed from the outside.
Sewer or septic lines. Nobody likes thinking about the wastewater system in their home. But if you ever experience a major plumbing issue, it helps to know where the key components of your sewer or septic system are located. If your home is connected to a city sewer system, find where your main sewer line exits the home and check for a cleanout valve. If you have an older home and the sewer cleanout isn’t serviceable, consider getting it replaced as preventative maintenance. For septic systems, you’ll also want to know where your tank access points are located, as well as any inspection ports.
Well location. If your home isn’t connected to a city water supply, make sure you know the location of your well. Depending on your home’s design, the well may be located indoors in a crawlspace or basement. If you can’t find it inside, look for signs of a well cap, casing or pit in your yard. Knowing the location and general design of your well system can help expedite repairs if part of your system begins to leak or fail.
Meter locations. To measure your home’s gas, electric and water use, each utility service will have its own meter. After locating these meters, be sure to keep the area around them clear and easily accessible.
Furnace filters. A clean furnace filter not only improves the air quality of your home – it also helps your furnace run more efficiently. Depending on the design of your furnace, experts recommend replacing the filter every 30 to 90 days. Note the location and size of your furnace filters, then pick up a few replacements to have on hand. We put together a helpful article addressing all of your furnace filter questionsalso.
Crawlspace and attic access. Every attic and crawlspace is different. Some may provide access to utilities and appliances, while others are just empty space. Either way, it helps to know how you can gain access to each area of your home – just in case. It’s also helpful if you hear little feet running around up there and need to check your attic for squirrels.
Sprinkler system. Does your new home have a sprinkler or irrigation system? If so, take the time to understand how it works. This includes learning how to set the timers, shut off the system and winterize the pipes to prevent freeze damage.
Smoke alarms. Ensure that you have at least one smoke alarm on every level of your home. Then test them regularly to confirm the batteries work. You may also want to check the expiration date (smoke detectors should be replaced every 10 years). If you have young children, let them hear the sound of an alarm in advance. This will help them recognize the sound during an actual emergency.
Property lines. After you buy a new home, familiarize yourself with its exact property lines. You can do this by using a metal detector to find the stakes buried at your property lines, or get a surveyor to mark the lines for you. Not only will this help you decide where to install your fence or landscaping, it can also prevent potential property disputes from your neighbors.
Sump pump. Failing sump pumps are a notorious cause of home flooding. To ensure your sump pump is working properly, test it a few times each year. You can do this by pouring water into the sump pit until the pump kicks on. To protect against damage caused by a failing sump pump, you may also want to consider adding an ErieSecure Home® bundle to your homeowners insurance policy. Our Plus and Select bundles give you the option to add Sewer or Drain Backup coverage2, which covers losses caused by water that overflows from a sump pump.
Gutters and downspouts. Poor drainage can be a common cause for wet basements. Help direct rainwater away from your home’s foundation by inspecting your gutters and downspouts. Make sure the gutters are clear and test any underground drains with a garden hose to check for clogs. If water starts backing up, you’ll want to clear the lines or redirect your downspouts away from the home. Regularly inspecting your home can also help prevent heavy rain from doing a number on it when it hits.
Fireplace. If your home has a gas or wood-burning fireplace, familiarize yourself with how it’s designed. Learn how to operate the damper (it should be open when using the fireplace and closed at all other times). The Chimney Safety Institute of America also recommends that your chimney is inspected once a year to protect against risks associated with fire and carbon monoxide.
Looking After You
Home owning has many rewards, but it also involves its share of demand. As an Erie Insurance customer you can rest assured – knowing that while you’re looking out for your home, we’ll be looking out for you.
Are you familiar with Employment Practices Liability Insurance (EPLI)? If not, you’re in the right place! Today, we’re breaking down everything you need to know about this essential coverage and why it matters for your business.
So, What Exactly is EPLI Insurance?
Think of EPLI insurance as your business’s safety net against employment-related claims. You know, those tricky situations like discrimination, harassment, wrongful termination, and more. It offers protection for your company when faced with legal challenges related to how you manage your employees.
Here’s Why You Need It:
Protection from Lawsuits: If an employee files a claim against your business for discrimination, harassment, or wrongful termination, EPLI insurance has your back. It helps cover legal costs, settlements, and even defense expenses, saving you from potential financial headaches.
Peace of Mind: Running a business is stressful enough without worrying about potential lawsuits. With EPLI insurance, you can breathe easier knowing you have a plan in place to handle employment-related issues.
Attract and Retain Talent: A business that takes care of its employees is a magnet for top talent. By having EPLI coverage, you show your commitment to creating a fair and safe workplace, which can help you attract and retain skilled workers.
Protect Your Reputation: We all know how important reputation is in business. EPLI insurance helps you manage employment disputes discreetly, preserving your company’s good name in the eyes of customers, partners, and employees.
How Does It Work?
Getting EPLI coverage is pretty straightforward. You work with an insurance provider (like us!) to customize a policy that fits your business needs. Then, if a claim arises, you notify your insurer, and they’ll guide you through the process, handling the legal stuff so you can focus on running your business.
Ready to Get Started?
If you’re interested in learning more about EPLI insurance and how it can benefit your business, get in touch with us today! We are here to help you navigate the world of insurance and find the right coverage for your needs.
Today, we’re diving into a topic that’s essential for safeguarding your company: Employment Practices Liability Insurance, or EPLI for short. Whether you’re running a small family business or maintaining a larger company, understanding EPLI insurance could be the key to protecting your business from potential legal troubles related to employment practices.
Let’s start with the basics.
In simple terms, EPLI insurance is like a safety net for your business when it comes to employment-related claims. These claims could range from allegations of discrimination and harassment to wrongful termination and beyond. Essentially, EPLI steps in to cover the costs associated with defending your business against such claims, including legal fees and potential settlements.
Why You Need EPLI Insurance:
Legal Protection: Facing a lawsuit from an employee can be financially draining for any business. EPLI insurance offers a layer of protection by covering the expenses involved in defending against employment-related claims. Did you know if an EPLI case isn’t dismissed, you could be looking at thousands and thousands of dollars? For businesses of all sizes, the average jury award is about $250,000; if a case settles, the judgment averages $75,000. And the cost of defense averages about $120,000 per claim. If a business loses its case, it must also pay for the claimant’s legal fees – averaging $200,000.
Peace of Mind: Running a business is challenging enough without worrying about potential legal battles. With EPLI coverage in place, you can have peace of mind knowing that you have a plan in place to address employment disputes if they arise.
Protecting Your Reputation: A lawsuit can not only hurt your finances but also damage your company’s reputation. EPLI insurance helps you manage employment disputes discreetly, minimizing the negative impact on your brand image.
How Do I Buy EPLI?
Getting EPLI coverage is a straightforward process. You work with an insurance agent to customize a policy that fits your business needs. Then, if a claim is made against your company, you notify your insurer, and they handle the rest, including legal proceedings and settlement negotiations.
Employment-related claims are a reality for businesses of all sizes. However, with EPLI insurance, you can take proactive steps to protect your business from the financial and reputational risks associated with such claims. So, if you haven’t already considered EPLI coverage for your company, now might be the perfect time to explore your options and ensure that your business is well-prepared for whatever challenges come its way.
If you’re ready to learn more about EPLI insurance and how it can benefit your business, don’t hesitate to reach out to us! We are here to answer your questions and help you find the right coverage for your unique needs. Let’s work together to keep your business protected and thriving!
At Castle Insurance, we’re all about helping you navigate the complexities of business risks with confidence. If you’re running a business, you know that having the right insurance coverage is crucial. Let’s dive into the basics – General Liability Insurance – your ultimate safety net!
What’s Covered:
Bodily Injury Liability: Picture this: You’re hosting a bustling event, and someone takes a spill. No sweat! General Liability Insurance steps in to cover those medical bills and legal fees if someone gets injured on your premises. Another great example is a slip and fall on your business premises.
Property Damage Liability: Workers from a snow removal company make a mistake with a snowplow, damaging a parked vehicle. Or perhaps your delivery personnel, installers, or handymen working within a client’s home accidentally knock over and break an antique item. Oops! Your insurance has your back, handling the costs to fix or replace whatever got damaged.
Advertising Injury: Ever worry about rubbing someone the wrong way with your marketing? Fear not! General Liability Insurance covers sticky situations like defamation claims or copyright issues – it’s all included for most types of businesses!
What’s Not Covered:
Professional Liability: We all make mistakes, but when it comes to professional errors, General Liability Insurance won’t cover you. If your services lead to a mishap, consider Professional Liability Insurance for that extra layer of protection. If your industry requires a license or certification, you need this type of coverage.
Employee Injuries: Your team is your backbone, but if they get injured on the job, General Liability Insurance won’t foot the bill. That’s where Workers’ Comp Insurance comes in handy, ensuring your employees are taken care of.
Intentional Acts: Keep it cool, stay ethical, and avoid intentional harm. If things go south and you’re found to have caused harm deliberately, your insurance might not come to the rescue. Just be a good person and good business owner.
With General Liability Insurance on your side, you can tackle business challenges with peace of mind. and focus on what you do best.
Homeowners across the nation, including Kentucky, have been noticing a steady rise in their insurance rates, leaving many wondering why. Let’s look at the various factors contributing to the surge in homeowner’s insurance rates, shedding light on the complex landscape of risks and changes that insurers are navigating.
Rising Risks: One of the primary drivers behind the surge in insurance rates is the increasing frequency and severity of risks. Natural disasters such as hurricanes, floods, and wildfires are becoming more common. Frozen pipes bursting, wind and hail storms and tornadoes in Kentucky in 2023 are the leading factors in the rising risks profiles here.
Cost of Home Repairs: As the cost of living continues to soar, the expense of home repairs has followed suit. A roof repair that used to cost $8,000 is now an average cost of $13,500 – almost double what it was even a few years ago.
Technological Advancements: The integration of smart home devices and advanced security systems has become a prevalent trend among homeowners. While these technologies enhance security, they also pose new challenges for insurance companies. Repairing and replacing these systems is costly.
Climate Change Impact: Climate change is undeniably affecting the frequency and intensity of extreme weather events. The last 12 months in Kentucky have seen some of the most active weather events we have witnessed in decades. Sub-zero temperatures causing frozen/burst pipes. Too many hail and wind storms to count. Tornadoes. Unprecedented flooding. Obviously, the premium impacts these events have on home insurance can’t be overstated.
Data Breaches and Cybersecurity: In an era dominated by technology, data breaches and cybersecurity threats are on the rise. Many homeowner’s policies provide coverage for these types of claims, which can affect rates as well.
Policyholder Behavior: Not to be overlooked is the impact of policyholder behavior on insurance rates. Neglecting home maintenance or leaving valuables exposed can increase risks, prompting insurers to adjust rates accordingly. Filing claims for minor incidents is another big mistake many homeowners make. Homeowners not taking proper precautions with swimming pools, trampolines, and dogs contribute to claims and premiums.
As we navigate the landscape of rising homeowner’s insurance rates, it becomes evident that a confluence of factors is at play. From the changing climate to technological advancements and individual behaviors, understanding these dynamics is crucial for both homeowners and insurers.
For personalized advice tailored to your unique circumstances, consider consulting with your insurance agent. Whether it’s exploring risk mitigation strategies or understanding policy options, they can provide valuable insights to help you navigate the evolving landscape of homeowner’s insurance.
We’ll discuss ways to mitigate higher premiums in another blog post, so keep an eye out for that information!
The holiday season is a time of joy, laughter, and festivities, but it’s also essential to prioritize safety to ensure that your celebrations remain merry and accident-free. As your favorite insurance agent, I am here to provide you with valuable tips to safeguard your home, loved ones, and belongings during this magical time of the year.
Secure Your Home Against Burglaries: The holiday season often sees an increase in burglaries. Before leaving for holiday gatherings or vacations, double-check that all doors and windows are securely locked. Consider investing in a smart home security system for added protection. This not only helps prevent break-ins but may also make you eligible for insurance discounts. Also, post your away-from-home Christmas travels on social media AFTER you return. Don’t advertise that you will be gone to Aruba for a week beforehand.
Mindful Decoration Practices: While decking the halls, it’s crucial to be mindful of your decoration choices. Opt for flame-resistant or flame-retardant decorations to reduce the risk of fire hazards. Keep candles and decorative lights away from flammable materials and never leave them unattended. Water your Christmas tree regularly, and if you choose an artificial tree, ensure it is labeled as fire-resistant.
Travel Safety Precautions: If your holiday plans involve travel, take precautions to ensure a safe journey. Before hitting the road, make sure your vehicle is in good condition with all necessary maintenance completed. Plan your route in advance, check the weather forecast, and allow extra time for potential delays. Keep emergency supplies in your car, such as a first aid kit, blankets, and non-perishable snacks.
Protecting Your Personal Liability: Hosting holiday gatherings is a cherished tradition, but it’s essential to consider your personal liability. Ensure that your property is free of hazards that could lead to accidents, such as slippery walkways or loose rugs. Keep an eye on guests, especially if alcohol is involved, and encourage responsible drinking. Confirm that your homeowner’s insurance provides adequate liability coverage for potential incidents.
Safeguarding Your Gifts and Valuables: The holiday season often involves the exchange of gifts and the presence of valuable items in your home. To protect these cherished possessions, consider taking inventory of your valuable belongings and ensuring they are adequately insured. Documenting items through photographs and keeping receipts can expedite the claims process in case of loss or damage.
By implementing these safety tips, you can enjoy a festive and worry-free Christmas with your loved ones. Remember, a little precaution goes a long way in safeguarding what matters most. Wishing you a safe and joyful holiday season!
by RaeAnna Barstowon September 20, 2023 (Erie Insurance)
Looking for ways to save money on your insurance? You may be eligible for valuable discounts on your auto policy. We want to make sure you’re getting the best value for your dollar based on the coverage you and your family need.
That’s where a coverage review with your agent comes in. Are you driving less? Or are you adding more drivers? These are just a few things that can make you eligible for savings. Take a look at the list below to see if you might be eligible for any of these discounts1 (and then talk to your ERIE agent).
Find out if ERIE is right for you. A local agent will be in touch.
Your Window to Savings
Less is More. If you’re a claims-free driver and have the record to prove it, check out ERIE’s Diminishing Deductible2option available in the ERIE Auto Plus® endorsement.
Lock in Your Rate. Avoid insurance rate increases, even after a claim, with ERIE Rate Lock®.3 Your rates won’t change until you make certain changes to your auto insurance policy, like adding or removing a driver or changing your primary residence.
Everyone Deserves a Break. With First Accident Forgiveness, you won’t be penalized and get a surcharge the first time you’re at fault in an accident after you’ve been an ERIE Customer for three or more years.4
Customize for Your Needs. The higher your deductible, the lower your premium can be. You can adjust your deductible to fit your specific needs and budget (keep in mind some lenders stipulate how high a deductible can go).
The More the Merrier. If you insure multiple cars or have multiple policies with ERIE, there could be discounts available. Talk to your ERIE agent.
On the Road Again…or Not. If you plan to store your vehicle for 90 consecutive days or more, ERIE offers a reduced usage discount in most states.
Simply Say Safety. You may be able to save if your car has safety equipment like factory-installed air bags, anti-theft devices and anti-lock brakes (anti-lock discount not available in Kentucky).
Just Once. How about if you want to pay your annual premium (premium is just a fancy word for the price of insurance) in one lump sum? There’s a discount for paying in full up front.
Young Drivers. Unmarried drivers under 21 who reside with their parents may be eligible for additional savings on their car insurance.5
Savings Are Just a Conversation Away
Every penny counts – we get that! And that’s why we want to ensure you’re getting the best value for every dollar spent on your insurance. If you have questions regarding specific discounts or would like to see different pricing options, we encourage you to talk to your ERIE agent. After all, who doesn’t like to save a little money?
Savings percentages are over individually purchased policies when combined with life and/or personal catastrophe liability coverage policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.
2Coverage must be purchased to be added to an auto policy. The deductible is reduced by $100 for each claims-free year that this policy has been in force, beginning with the first policy renewal period after this endorsement was added, up to a maximum reduction of $500. In New York, comprehensive deductible cannot be reduced to less than $50 and collision deductible cannot be reduced to less than $100.
3Rates subject to change if you add or remove a vehicle, add or remove a driver, or change your address or the location where an insured vehicle is principally parked. ERIE Rate Lock® does not guarantee continued insurance coverage. Not available in all states and referred to as ErieSelect in Maryland. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change. Refer to our disclaimer for more information.
4Available after policyholder has been insured with ERIE for three years and has been accident free for those first three years. Available immediately in North Carolina. In New York, First Accident Forgiveness is available immediately with ERIE RateProtectSM policy but applies to first paid claim, except for Roadside Service claim. Not available if Rate Protection Endorsement is chosen.
In today’s challenging economic climate, saving money wherever you can is more important than ever. Homeowners are facing rising costs for everything from groceries to gasoline, and home insurance is no exception. The good news is that there are still ways to save on your home insurance even in a hard market.
In this blog post, we’ll explore some smart strategies to help you keep your home insurance costs in check.
Shop Around for the Best Rates: Don’t settle for the first insurance quote you receive. Insurance rates can vary significantly between providers, so it pays to shop around and compare prices. Use online tools and resources to get multiple quotes and see which insurer offers the best value for your specific needs.
Bundle Your Policies: Many insurance companies offer discounts to customers who bundle their home and auto insurance policies with them. Bundling can save you a substantial amount of money, so it’s worth exploring this option with your current insurer or when seeking new coverage.
Raise Your Deductible: Increasing your deductible can lower your insurance premium. Just be sure that you have enough savings set aside to cover the higher deductible in case you need to make a claim. A higher deductible can make sense for those who are financially prepared for unexpected expenses.
Improve Home Security: Making your home more secure can lead to lower insurance premiums. Installing burglar alarms, smoke detectors, deadbolt locks, and even a home security system can reduce the risk of damage or theft, making your home a safer bet for insurers.
Maintain Good Credit: Believe it or not, your credit score can impact your home insurance rates. Insurers often use credit scores to gauge your level of financial responsibility. Maintaining a good credit score can help you secure lower insurance premiums.
Review and Update Your Policy Annually: Don’t just set it and forget it when it comes to your home insurance policy. Life changes, and so do your coverage needs. Review your policy annually to ensure it aligns with your current circumstances and make adjustments as necessary.
Ask About Discounts: Many insurers offer various discounts that you may not be aware of. These can include senior discounts, military discounts, or even discounts for certain professions. Don’t hesitate to ask your insurer about potential discounts that you may qualify for.
In a hard market, saving money on home insurance may require a bit more effort, but it’s entirely possible with the right strategies. By taking these steps and exploring your options, you can secure the coverage you need without breaking the bank.
Remember that every homeowner’s situation is unique, so finding the best savings strategy for your specific circumstances is key to protecting your home and your wallet.
In our fast-paced lives, it’s easy to overlook the importance of organizing our final documents, passwords, will, and other essential information. Humans don’t like thinking of their own mortality.
However, taking the time to gather and secure these vital assets is an act of profound responsibility and care for ourselves and our loved ones. In our agency, we have had several clients pass away in 2023 and have been working with their families to assist with making changes to insurance policies, cancelling coverage, and other pertinent details. This made me think about setting things up at my house for my family, to help them with concrete ways to facilitate my end of life. I hope I’m here for a very long time, but in just in case, I want to have everything organized and ready. Peace of mind for them and a smooth transition is very important to me.
Organizing your final documents empowers you to take control of your affairs, even beyond your lifetime. By compiling and maintaining a comprehensive record of your important information, you ensure that your wishes are known and respected. This includes your will, insurance policies, medical directives, and any other legally significant documents. Here are some proactive steps that grant you the power to shape your legacy and ensures that your desires are carried out precisely as you intended.
Losing a loved one is an emotionally challenging time, and navigating through their affairs can add unnecessary stress and complications. By organizing your final documents, you alleviate the burden on your family and friends, sparing them from the arduous task of searching for vital information and guessing your intentions. Your thoughtfulness will provide them with a roadmap to handle your affairs efficiently, allowing them to focus on healing and cherishing your memory. You don’t want your family to be fighting about the details or leave them unclear on how to carry out your wished.
Having all your final documents in order ensures that financial matters are dealt with swiftly and accurately. By centralizing information about your bank accounts, investments, debts, and assets, you enable your loved ones to handle your financial affairs effectively. This organization can save your family from potential legal and financial complexities that may arise due to inadequate documentation. It’s a responsible step that enables your beneficiaries to access the resources they need promptly. Put everything in a box or file folder that is easy for loved ones to find.
In today’s digital age, it’s equally important to consider the security of your digital presence. Compile a list of your online accounts, passwords, and important digital assets. Consider using a password manager or secure digital vault to store this sensitive information. By taking these precautions, you protect your digital legacy, prevent unauthorized access to your accounts, and simplify the process of digital asset management for your loved ones.
Organizing your medical information and directives is vital to ensure that your healthcare wishes are honored. Compile a document that includes your medical history, any existing conditions or allergies, and instructions regarding medical interventions or treatments. Share this information with your healthcare providers and loved ones. By doing so, you ensure that your health-related preferences are respected, particularly if you become unable to communicate or make decisions independently.
Taking the time to organize your final documents, passwords, will, and other essential information is an act of love and consideration for yourself and your loved ones. Don’t delay any longer—start organizing your final documents today to secure a better tomorrow for yourself and those you care about. Find the professionals to help and spend a few dollars if needed!
As an insurance agent, my goal is to protect individuals and their assets from potential risks. With the upcoming festive season, one hazard that deserves special attention is fireworks. While fireworks are beautiful and a traditional part of many celebrations, it is crucial to understand the potential dangers they pose. In this blog post, I aim to shed light on the risks associated with fireworks and provide practical tips for a safe and enjoyable celebration.
Personal Injury Risks
Fireworks are essentially explosives, and mishandling them can lead to severe personal injuries. Burns, lacerations, and eye injuries are some of the most common firework-related accidents. Even seemingly harmless sparklers can reach temperatures exceeding 1,200 degrees Fahrenheit, which is hotter than the melting point of some metals. It is essential to exercise caution when handling any type of fireworks to prevent accidents and the subsequent medical expenses.
Property Damage
Fireworks not only pose a risk to individuals but also to their property. Accidental fires can result from improper use, such as setting off fireworks too close to buildings, trees, or other flammable materials. The financial burden of repairing or rebuilding damaged property can be significant, making it crucial to minimize the risk of fireworks-related incidents.
Legal Consequences
Aside from the physical dangers, the use of fireworks can also have legal implications. Many areas have specific laws and regulations regarding the use of fireworks, and violating these rules can result in hefty fines or legal penalties. It is essential to familiarize yourself with local regulations and restrictions before purchasing or using fireworks to avoid legal consequences that may impact your finances.
Tips for Celebrating Safely
Attend Professional Fireworks Displays: Instead of organizing your own fireworks show, consider attending a professional display organized by trained experts who take all necessary safety precautions, such as the city’s display downtown.
Respect Local Laws: Familiarize yourself with local laws and regulations regarding fireworks. Always purchase fireworks from authorized sellers and follow usage guidelines.
Keep a Safe Distance: Ensure there is ample space between fireworks and any nearby structures, trees, or people. A minimum distance of 30 meters (100 feet) is generally recommended.
Never Relight a Dud: If a firework fails to ignite or fully discharge, do not attempt to relight it. Wait at least 20 minutes and then soak it in water before disposing of it properly.
Protective Gear: When handling fireworks, wear protective eyewear and avoid loose or flammable clothing. Keep a bucket of water, a fire extinguisher, or a hose nearby in case of emergencies.
Children and Pets: Keep children and pets at a safe distance from fireworks, as they may not understand the risks involved. It may be best to keep pets indoors! Supervision is crucial to ensure their safety.
sparklers
While fireworks can add excitement and wonder to celebrations, it is essential to prioritize safety. By following safety guidelines, being aware of local laws, and making informed decisions, you can enjoy a festive occasion without putting yourself, your loved ones, or your property at unnecessary risk.
Remember, a few minutes of precaution can save you from weeks or even months of regret. Celebrate responsibly, and have a safe and memorable time!
Hey there, insurance seekers! Today, we’re diving into the marvelous world of independent insurance agents (like yours truly).
These unsung heroes of the insurance industry possess powers and quirks that make them a cut above the rest, especially when compared to their captive counterparts. So buckle up and prepare for a wild ride through the world of independent insurance agents!
The Power of Choice:
Picture this: You’re stranded on an insurance island, surrounded by a sea of policies. But fear not! Your trusty independent insurance agent swoops in like a superhero, armed with an impressive array of insurance options. Unlike captive agents (like State Farm or Kentucky Farm Bureau for example) who are confined to a single insurance company, these independent daredevils have the power to compare and contrast policies from multiple carriers. They’ll help you navigate the murky waters of insurance jargon, ensuring you find the perfect policy at the right price.
A Sense of Adventure:
If you’ve ever had the pleasure of interacting with an independent insurance agent, you know they’re far from boring. These daring individuals inject excitement and humor into the world of insurance. Who knew discussing policy deductibles could be so entertaining? With their infectious enthusiasm and quick wit, they’ll have you laughing your way to coverage like never before. Or at least feeling like you have some options!
The Sherlock Holmes of Policies:
Ever feel like finding the right insurance policy is akin to solving a mind-bending puzzle? That’s where your friendly neighborhood independent insurance agent comes in! They possess an uncanny ability to investigate your unique needs and tailor a policy just for you. Armed with their magnifying glass and a vast knowledge of the insurance landscape, they’ll uncover every nook and cranny of your coverage requirements. With their trusty deductive reasoning and penchant for detail, you’ll feel like you have an insurance detective on your side.
Personal Connection Experts:
One of the greatest assets of independent insurance agents is their ability to forge genuine connections with their clients. They don’t see you as just another policyholder; they see you as a unique individual with hopes, dreams, and a few quirks of your own. These charming agents take the time to understand your personal circumstances, enabling them to provide personalized advice and recommendations. Plus, they’re always up for a friendly chat, ensuring your insurance interactions are as enjoyable as they can be.
Your Insurance Sidekick:
Superheroes often have sidekicks who help them in their quests, and the same goes for independent insurance agents. Their sidekick? Unbiased advice! These heroes are not beholden to any specific insurance company, so you can rest assured that their recommendations are based solely on your best interests. It’s like having a trusty sidekick who always has your back, ensuring you get the coverage you need without any ulterior motives.
So, the next time you’re on the hunt for insurance, remember that independent insurance agents are here to save the day with their superpowers of choice, adventure, investigation, personal connection, and unbiased advice. They’re the heroes you never knew you needed, armed with knowledge to make your insurance journey a delightfully memorable one. Well, as delightful as insurance can be!
Until next time, insurance enthusiasts, stay covered and keep smiling!
Insurance rates can increase for several reasons, including:
Increased Risk: Insurance companies base their rates on the amount of risk they are taking on. If the risk of insuring you has increased, then your rates may go up. For example, if you’ve been in an accident, filed multiple claims, or have a poor driving record, your risk level may have gone up.
Inflation: Inflation can cause insurance rates to increase over time. As the cost of goods and services goes up, insurance companies may need to charge more to keep up with the increasing costs. This is a big factor in insurance rates right now. Buckle up! This trend is continuing for the foreseeable future.
Changes in Coverage: If you’ve made changes to your policy, such as adding additional coverage or decreasing your deductible, your rates may increase to reflect these changes.
Market Conditions: Insurance rates can be affected by market conditions, such as the supply and demand of insurance products, the cost of reinsurance, and the overall health of the insurance industry. All of these items are big factors in higher insurance rates right now.
Legal and Regulatory Changes: Changes in laws or regulations can also impact insurance rates. For example, if a state mandates that all drivers carry higher levels of liability insurance, rates may go up to reflect the increased coverage.
If you’re concerned about your insurance rates, you may want to speak with your insurance provider to better understand why your rates have increased and if there are any steps you can take to lower them. Maybe you can save a few dollars and spend the savings on the kids!
But as you give your Erie Insurance agent a call to add the new car to your car insurance policy, you realize their office is closed for the day. Now what? Can you drive your new ride home; or do you need to wait until Monday?
Is My New Car Insured if I Buy it on the Weekend?
If you’re a current ERIE customer, you’ll be happy to know that your new car will be automatically insured – even if you buy it on a Saturday or Sunday. Here’s how your coverage rollover works under a few different scenarios:
Replacing an old car. Your current auto policy doesn’t just vanish when you trade in your old vehicle. As long as your new vehicle is titled in your name, your coverage will carry over, for a period of time as described below, when you buy a new vehicle of the same type.
Buying an additional car. If you’re buying an additional vehicle, or just decided not to sell or trade your old car just yet, your newly purchased car will still be covered. In this case, it will be insured, for a period of time as described below, with the broadest coverage purchased on any vehicle on your ERIE policy for your household.
How Much Car Insurance Coverage Will I Have on My New Vehicle?
When we roll over your auto insurance to a new vehicle, we provide the broadest coverage purchased on any vehicle on your ERIE policy for your household.
Here’s an example: Let’s say you, your spouse and your teenage son are all on the same ERIE policy. Your spouse’s newer SUV is covered with high limits and multiple endorsements. However, you opted not to get all the bells and whistles on your teenage son’s old, high-mileage clunker. When you buy a new car, the broadest coverage – in this example, what’s on your spouse’s SUV – is what will temporarily apply to your new ride.
Are There Any Instances Where Coverage Rollover Does Not Apply?
As explained above, your auto insurance will almost always roll over to your new vehicle. However, there are a few exceptions you should know about.
Not all your cars are insured by ERIE. If you own one or more private passenger vehicles that are not insured with ERIE, then your car insurance from ERIE will not automatically roll over. In this situation, you should always call your ERIE agent in advance to add the new car to your policy before driving home.
You buy a motorcycle or RV. ERIE’s car insurance coverage rollover only applies for vehicles of the same type. That means if you already have a car insured with ERIE and you’re buying a new car, the coverage rollover applies. But if you’re buying a first-time motorcycle or RV, your auto coverage won’t roll over since you’re buying a different type of vehicle. (Read more about insurance for miscellaneous vehicles.)
What if the Dealer Needs to Verify My Insurance Coverage?
When buying a new car, the dealer may require you to verify your insurance coverage before handing over the keys. You can access your ID card directly2 from your online account or ERIE mobile app, or your local ERIE agent will be happy to verify your coverage.
How Long Do You Have to Report Your New Car?
If you’re actively car shopping, it’s smart to talk to your agent ahead of time. If you’re looking at a specific make and model – say, a certain zippy hybrid or a four-wheel-drive pickup – your agent can help you estimate what you’ll pay in premium and suggest ways to save.
When you do buy a new car, remember to report any changes promptly to your ERIE agent – preferably the next business day. But if you forget, don’t stress: You’ve got wiggle room. Your ERIE agent can help you personalize your policy with coverage that might make sense for your new vehicle.
In general, here’s how things work with three common types of coverage:
Liability coverage: Let us know about your new vehicle before the end of your policy period. If you buy your new vehicle within 30 days of the end of your policy, just make sure you report it to us within 60 days after acquisition, purchase or lease.
Comprehensive and collision coverage: When these coverages roll over from your existing policy, the lowest deductible applies. If you didn’t have comprehensive and collision on your old car, the coverages will apply, subject to a $500 deductible. However, the coverages will end seven days after you acquire, purchase or lease the vehicle or when you report the vehicle to us, whichever comes first.
What Information Do I Need to Report a New Vehicle?
Have this information on hand to report your new car to your insurance agent:
Make, model and year
Expected annual mileage
General usage information (such as how far you drive – for work or pleasure)
Vehicle identification number (VIN)
Titling and lienholder information
Will My Insurance Go Up When I Buy a New Car?
You could see some changes to your insurance premiums when you buy a new car. Remember: What you pay on your auto insurance bill depends largely on two factors: what you drive and how you drive.
Safer cars do a better job protecting the people inside them. Purchasing a vehicle with safety features like car alarms and anti-theft tracking devices can lower your premium, too.
It’s true: A new car depreciates the moment you drive it off the lot. That means if your car gets totaled, you could be in a tough spot if the value of your car is less than what you still owe on your car loan.
Good news: There’s a smart way to protect your investment. Talk to your local ERIE agent about adding the Auto Security coverage endorsement1 to your ERIE auto policy for a few extra dollars per month.
Buying a used car? The endorsement also offers “better vehicle replacement” for older vehicles.
We’ve Got You Covered
There’s nothing quite like the feeling of taking home a new car. Whether you’re buying your first set of used wheels or moving up to your first brand new ride, we’re here to offer protection and service for your pride and joy.
If you are sitting at a red light and are rear ended, I’m pretty sure you are going to have an opinion of who is at fault in that accident! It’s pretty cut and dried – not much room for interpretation. But did you know that if you are injured in this accident, the first $10,000 of your injuries will be paid through an insurance claim with YOUR insurance company. Why is that?
Kentucky’s “no-fault” law, officially known as the Motor Vehicle Reparations Act (MVRA), is a type of car insurance system that requires drivers to carry personal injury protection (PIP) coverage. This coverage provides benefits regardless of who caused the accident, which means that each driver’s insurance company pays for their own medical expenses and lost wages resulting from the accident, up to the limits of their PIP coverage.
Under the no-fault system, drivers can only sue the other driver for damages that exceed their PIP coverage, such as pain and suffering, permanent injury, or disfigurement. In order to pursue these types of damages, the injured party must meet certain legal thresholds, such as having medical expenses that exceed a certain amount or having suffered a serious injury. As you can see, it has nothing to do with damage to your car.
Overall, the no-fault system is designed to streamline the claims process and reduce the number of lawsuits resulting from car accidents. However, it can also limit the ability of injured parties to recover full compensation for their damages, particularly if their injuries are not severe enough to meet the legal thresholds required for a lawsuit.
When it comes to purchasing insurance, there are two types of agents you can work with – independent insurance agents and captive agents. While both types of agents can help you find the coverage you need, there are some key differences between the two that can affect your insurance experience. We’ll explore the differences between independent insurance agents and captive agents and explain why choosing an independent agent can be a positive choice for you.
Captive agents are agents who work exclusively for one insurance company. They can only offer you policies from that company, which means you may not have access to other options that could better fit your needs or budget. Captive agents often receive training and support from the insurance company they work for, which can help them provide a consistent experience to customers. However, their ability to offer customized solutions is often limited. Think of State Farm or Allstate in this category.
On the other hand, independent insurance agents work with multiple insurance companies. They can provide you with a range of policy options from different carriers, giving you more flexibility and choice. Independent agents are not beholden to any one company, which means they can recommend policies based solely on what’s best for you. This can be particularly useful if you have unique coverage needs or a challenging claims history. Independent agents are also often better equipped to find discounts and cost-saving options because of their access to multiple carriers.
Another benefit of working with an independent agent is that they can provide more personalized service. Since they are not working for a specific company, they are free to focus on building long-term relationships with their clients. This means they can take the time to understand your individual needs, answer your questions, and provide ongoing support.
Kris Castle
All insurance agents are also licensed and regulated by the state, which means they must adhere to strict ethical and professional standards.
While both independent and captive agents can help you find the coverage you need, I think there are distinct advantages to working with an independent agent. That’s not surprising, is it? Independent agents offer more choice, personalized service, and objective advice. They can also help you save money and provide peace of mind. So, if you’re in the market for insurance, consider working with an independent agent to get the coverage you need and the service you deserve.
Trees are a beautiful and essential part of our environment, but they can also pose a significant risk during storms. When strong winds and heavy rain hit, trees can fall and cause extensive damage to property and even result in injury or loss of life. What a lesson we learned in Kentucky early in March! This is why it is crucial for homeowners to understand how insurance policies cover damage caused by falling trees during storms.
Homeowners insurance typically covers damage to property caused by falling trees, including damage to homes, garages, fences, and sheds. However, it is important to note that insurance policies can differ, so homeowners should review their policies and speak with their insurance agent to ensure they have adequate coverage.
Here are some key factors to consider when it comes to insurance coverage for fallen trees during storms:
Cause of the fallen tree: If a tree falls due to natural causes such as high winds or heavy rain, it is generally covered by homeowners insurance. However, if a tree falls due to neglect or lack of maintenance, such as diseased or rotting branches, the insurance company may deny coverage.
Damage caused by the fallen tree: Homeowners insurance typically covers damage to property caused by a fallen tree, including damage to the structure of the house, as well as personal property such as cars, furniture, and other belongings.
Clean-up and removal: Homeowners insurance typically covers the cost of removing fallen trees from your property, up to a certain limit. However, if the tree falls on a neighbor’s property, the neighbor’s insurance may be responsible for the removal costs.
Additional living expenses: If your home is uninhabitable due to damage caused by a fallen tree, your homeowners insurance policy may cover additional living expenses, such as temporary lodging and meals.
Deductibles: Homeowners should be aware of their insurance policy’s deductible, which is the amount the homeowner must pay out-of-pocket before the insurance coverage kicks in. Depending on the policy, the deductible may be a flat fee or a percentage of the total claim.
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To prevent fallen trees during storms, homeowners can take steps such as regular tree maintenance, including pruning and removing diseased or damaged branches, as well as planting trees away from power lines and structures. It is also important to review your homeowners insurance policy regularly and ensure that you have adequate coverage for storm-related damage.
Click on the link to find out more information about trees and your home insurance policy from Erie Insurance.
Driving while videoing, or more commonly known as “distracted driving,” is a growing problem on the roads. It refers to any activity that diverts the driver’s attention away from the road, such as using a cellphone, eating, or applying makeup.
In recent years, video recording while driving has become a popular trend among social media users, but it comes with serious risks and legal consequences.
According to the National Highway Traffic Safety Administration (NHTSA), distracted driving caused 2,841 deaths in 2018, which is a 12.4% increase from the previous year.
Additionally, the NHTSA reports that in 2019, 3,142 people were killed in motor vehicle crashes involving distracted drivers. Video recording while driving can contribute to these statistics by creating more distractions for the driver, making it more challenging to react to potential hazards on the road.
Car Accident
Video recording while driving also poses a significant risk to other drivers, passengers, and pedestrians. It diverts the driver’s attention from the road and can cause them to miss important traffic signals or signs, resulting in accidents. Additionally, drivers who are video recording may drive erratically or drift out of their lanes, creating further hazards for those around them.
Legal ramifications of driving while videoing vary by state, but most have strict laws in place to discourage it. In many states, it is illegal to use a phone while driving, including for video recording purposes. In some states, video recording while driving is considered a primary offense, meaning that police can pull over drivers who they see doing it. Offenders may face fines, points on their driving record, or even have their licenses suspended.
In some cases, video recording while driving can also result in criminal charges. If the driver causes an accident that results in injury or death, they may be charged with reckless driving, vehicular manslaughter, or other criminal offenses.
Think about this – you’ve just given attorneys recorded evidence that can be used against you. The severity of the charges will depend on the circumstances of the accident, including whether the driver was intoxicated or violating other traffic laws.
In conclusion, video recording while driving is a dangerous practice that can lead to accidents, injuries, and even death. You may think that you are fine, you are keeping your eyes on the road and that it’s no big deal. However, you are fooling yourself. Pull over and take the 60 seconds to record your message or content while you are safely stopped.
It is important for drivers to remain focused on the road and avoid any activities that can distract them while driving. Furthermore, obeying traffic laws and regulations is essential to keep everyone safe and prevent legal repercussions. Remember, no video or social media post is worth risking lives on the road.
Since this topic is one of our most popular, I thought I would repost and add more information to this blog. Keep reading to find out when you have to add your youthful driver to your auto policy.
When do you have to add your teenager to your auto insurance policy?
This is a question I get asked all the time and I have heard all kinds of wrong answers. Let’s talk about it!
Most insurance companies require that all people that live at your address and have a driver’s license are added to your policy or can show proof that they have a policy of their own. This includes your children.
In Kentucky, a teenager can get a beginner’s permit at 16 years of age. This permit requires that a legal parent or guardian is in the car with them at all times and they must keep a log of hours driven, including night-time hours. You are not required to add them to you policy during this stage.
After these basic licensing requirements have been met, a youthful driver can get their intermediate permit. This doesn’t require a parent to ride along and there are some time restrictions that must be followed.
IT IS AT THIS TIME YOU MUST ADD THEM TO YOUR POLICY.
Your rates will definitely go up, but you don’t want to put yourself in a position where a carrier won’t pay a claim because the driver wasn’t added or to have your auto insurance be canceled because you didn’t have your new driver added.
There are some insurance agents that will tell you not to worry about adding your teen driver. They have “permissive use” and are automatically covered on your policy. I would ask to see this in the policy documents, in writing!
As I always recommend, be sure to discuss any changes in your household with your insurance agent so they can make sure you have the proper coverage in place to keep you protected. You don’t want to find out after an accident or claim that you don’t have the proper insurance for all the drivers in your household.
Like your mom used to tell you, if it seems to good to be true, it probably is. It will be expensive to add your teen driver to your policy, but not as expensive as a claim that isn’t covered or a subsequent lawsuit.
Don’t take chances with something as important as coverage for your kids. Since kids between the ages of 16 and 19 years old are the most likely of all drivers on the road to be in an auto accident, you want to be sure you are planning for that day. You’ll be worried about them being hurt and about replacing or repairing their vehicle. Make sure you have peace of mind about your auto insurance.
Here are some helpful websites you can visit for more information, as well as the link for the original post.
There are many personal elements that factor into your insurance rates – such as your driving and claims history, as well as the type of vehicle you drive, but there are other factors that are outside your control and affect all car owners.
Here is a list of the main reasons auto insurance is high as we begin 2023.
Pricey Technology
All the fancy safety features, such as lane assist, cameras, and sensors on your car help keep us safe, but repairing or replacing these parts due to an accident or insurance claim can be expensive. For example, instead of just replacing the glass for a windshield claim, auto body shops also have to adjust and calibrate sensors and possibly cameras. This increases the labor costs for this repair.
Vehicle Parts
Prices are up by more than 10% this year for car parts. Not only are they more expensive, but it is taking weeks and in some cases months to get the needed parts in stock. When an insurance company has to pay for a rental car for weeks and weeks instead of several days in many cases, that is extra cost for a claim.
Repair Costs
We have all heard of issues with the supply chain. While this is running smoother than in 2020, there are still issues. Labor costs have risen over 20% this year too, which makes repairs so much more expensive.
Vehicle Prices
Did you know that prices of used vehicles jumped more than 27% in 2021? New vehicle prices were up more than 14%. While those prices seem to be leveling out a little bit, we are still seeing high costs to acquire a new (or new to you) vehicle.
Inflation
The Consumer Price Index has risen several percentage points. That means we are all paying more for the same goods and services. You are feeling this in all aspects of your family budget.
Labor Shortages
A decline in available auto repair techs and mechanics is a challenge. Shops are having difficulty hiring new talent that has the skills needed for repairs.
Health Costs
With car accidents come injuries and that affects your insurance rates too. The high cost of health care is passed along to the insurance consumer too.
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At Castle Insurance, we are here to help you understand your auto insurance and provide personalized discounts and other ways you can save.
Many Kentuckians, as well as more than half of the country, were hit with a frigid arctic storm over the holiday weekend. You wanted a white Christmas? You got it!
Along with that pretty snow, we have had many clients filing claims due to car accidents. We’ve also filed claims for homeowners for water damage, mainly due to frozen pipes bursting.
Icy pipe
Here are some pointers in dealing with burst pipes and water damage in your home.
Turn off the main water supply to your house.
Do anything and everything you can do to mitigate the damage. What does mitigate mean?
to cause to become less harsh or hostile : mollify.
to make less severe or painful : alleviate.
to lessen the seriousness of : extenuate.
Contact your insurance agent to discuss your home policy and see what coverage is available to you. Your renter’s policy should have some coverage for this situation too. Keep in mind the amount of your deductible, especially if there isn’t much damage.
With an event of this magnitude, it will take the insurance company’s claims representative longer to respond than usual, as they are working with dozens if not hundreds of clients. Do what you need to do to protect your family and your property.
Take pictures of the damaged areas of your home. This is an occasion where more is more. Be thorough!
If you need to purchase items, get a hotel room, or other items due to the claim situation, keep all of your receipts and records. Also, keep any parts. For example, if a plumber comes to repair the pipe and cuts out a section, keep it in a box for the adjuster – just in case.
