A condominium/co-op insurance policy is designed specifically to meet your unique homeowner needs, including coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.
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There’s nothing like a flame-broiled steak, hamburger or hot dog right off the grill on a summer evening. In fact, many backyard gatherings are centered around the grill and the family’s resident chef who is creating all the enticing aromas.
In spite of how great grilled foods taste, gas and charcoal grills account for an average of 10 deaths, 100 injuries and $40 million in property loss each year, according to the United States Fire Administration.
To avoid becoming a grilling mishap statistic, we’ve cooked up the following safety precautions:
- Do not let children and pets play near the grilling area when cooking until the grill is completely cool and you have a chance to put it away in its designated spot.
- Place your grill at least three feet away from other objects including your house, trees and outdoor seating.
- Use starter fluid for barbecue grills that use charcoal only. Do not use starter fluid for gas grills.
- Check the connection between the propane tank and the fuel line to make sure it is not leaking and is working properly before using a gas grill.
- If you suspect that your gas grill is leaking, turn off the gas and get the unit fixed before lighting. Never use a match to check for leaks.
- Do not bring your grill into an unventilated or enclosed space such as the garage or inside of your home. This is not only a major fire hazard; it is also a carbon monoxide hazard.
Not only can grills start fires, they can also cause burns. Exercise caution as you flip foods on the grill to ensure that your hands and arms do not get burned.
We may specialize in insurance, but promoting safety is a top priority, too.
Contact us today to learn more about all of our claims reduction strategies and insurance solutions for your auto, home and life.
It’s an unfortunate fact that accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? (more…)
Your home is one of your most important investments. You can protect your investment by:
Are you Prepared?
You may have little or no time to protect your valuables in a flood, earthquake or other disaster. By taking simple steps now, you can safeguard your treasured belongings and information from damage or loss.
The first step is to identify what you have. Go through your home to find your treasures. Download our Safeguarding-Your-Valuables-Checklist and begin taking stock of your valuables.
Having an up-to-date home inventory will help you:
- Purchase enough insurance to replace the things you own.
- Get your insurance claims settled faster.
- Substantiate losses for your income tax return.
You can always simply make a list in a notebook and save receipts and photos in a file. There are also free software programs to help you. Here are just a couple that we might suggest: (more…)
If you receive an expensive gem or a new Valentine’s Day bauble, make sure you have the necessary insurance. “Most homeowners and renters insurance policies include coverage for expensive personal belongings like jewelry,” says Terry McConnell, vice president and manager of ERIE®’s Personal Lines Underwriting Department. “But many policies limit the dollar amount for theft so you may have to purchase an additional rider on the policy. (more…)