Archive for July 2014

Reduce Liability When Hosting Your Next Party

While summer parties can be a blast to host, many people aren’t aware of the responsibility that comes with serving alcohol at their own events. Social host liability makes you responsible for your inebriated guests and in a bad situation can get you sued for their actions. Hosting your summer party doesn’t have to be scary, use these tips to reduce your liability and assure that you and your guest are safe at your next summer party.

  • Get yourself familiar with host liability laws. These laws are different in every state and are specific in different areas.
  • Hiring a professional bartender can reduce your risk. Bartenders are trained to see signs of intoxication and will cut off a guest if he has had too much.
  • Consider a different venue. Throwing your party at an event center with a liquor license is the best way to limit your liquor liability risk.
  • Make sure to serve food and to limit the alcohol towards the end of the evening. Serving food and limiting liquor can help guests sober up. Try serving drinks like coffee and tea towards the end of your event instead.

Located in Austin Texas, The Insurance Agency Of Dean Davis believes that your safety and security is important. Contact us today for any of your insurance needs.

 

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Keep Cool and Stay Fit with this Raspberry Cream Popsicle Recipe

The heat is rising this summer and so is the struggle to keep cool. It’s hard to keep away from those cold drinks packed to the brim with sugar but summer is the time to change your eating habits and get fit. Make it easier for you to stay cool and slim by adding this low-fat summer cream Popsicle to your book of summer recipes!

Pour a cup of fat-free milk into a bowl along with a package of sugar-free instant vanilla pudding mix. For 2 minutes or until thick, beat this mixture with an electric mixer.

Puree half a cup of fat-free milk with a cup of fresh strawberries in a blender and add this to your pudding mixture. Stir the mixture together while adding 2 cups of softened raspberry sherbet.

The option to mix it in fully or leave it swirled is up to you! Divide the mixture into your popsicle molds along with a wooden stick and freeze for at least three hours.

Located in Austin Texas, The Insurance Agency Of Dean Davis believes that your safety and security is important. Contact us today for any of your insurance needs.

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Tips To Avoid Identity Theft For Your Next Vacation

A new study shows that the crime of identity theft is rising faster than ever. Identity theft has serious consequences so protecting yourself should be your number one concern this summer vacation. Use these tips to keep your savings safe while you’re out on holiday.

  • Some scammers will create free WiFi near local vacation spots to steal information. Avoid being scammed by making sure the WiFi is real before logging in.
  • Avoid thieves gaining access to your personal information by using cash to pay at gas stations instead of a credit card. This will keep your card and pin number from being exposed to unwanted eyes.
  • Make sure your expensive electronics like your cellphone and laptop are secured at all times. Try keeping expensive things stored in your hotel safe.
  • It’s better to be safe than sorry. Make sure to contact your credit card company beforehand with the dates of your travel and after to check for unauthorized charges.

The Insurance Agency Of Dean Davis believes that your safety and security is important. Contact us today for any of your insurance needs.

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Creating An Emergency Action Plan In 6 Easy Steps

The Federal Emergency Management Agency estimates that natural disasters in America have increased by 700% since the year 1950. Disasters are unpredictable, making it incredibly important for you to have an emergency plan set aside, and ready to use. Here are some tips for creating an emergency action plan to ensure you are prepared for any unforeseen situation:

  • Make sure your emergency kit is full of materials that work. There is no point to hold onto materials that are expired.
  • Check your plan every year to make sure it is up-to-date. Your plan should have two escape routes to choose from in case one is obstructed.
  • Locate your utility shut-off switches and turn them off before evacuating. The gas is the most important utility to pay attention to, as it can help to prevent a fire.
  • Install smoke detectors.
  • Keep your heaviest items on the bottom shelf in case of an earthquake.
  • Check your insurance coverage. Make sure you would have enough to cover the renovations needed to repair a home after a natural disaster.
  • Compile a home inventory. This can speed up the claims process following a disaster.

For homeowner insurance inquiries, please contact the Insurance Agency of Dean Davis, located in Austin! Their qualified insurance professionals will be able to assist you with all of your insurance needs!

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How To Keep Your Auto Insurance Rate Low!

By law, all drivers are required to have purchased an auto insurance policy. Your premium is based on a number of different factors such as driving record, type of car, etc. However, there are a number of different ways to cut down on this expense, and reduce your premium while still being fully covered on the road. Here are some money-saving tips that can keep your auto insurance rate from going up:

  • Keep your driving record clean. This will make your premium increase, so slow down and put a stop to distracted driving.
  • Pay your premium in full or every six months. Paying month-by-month won’t pay off due to installment fees.
  • Consider your premium before buying a vehicle. If you purchase a luxury vehicle, your insurance will be higher than a normal sedan.
  • Get extra safety features such as anti-lock brakes, or a crash-alert system. This will result in a discount from your insurance company.
  • Consider a multi–car discount if your family uses more than one vehicle.

For auto insurance inquiries, go ahead and contact the Insurance Agency of Dean Davis, located in Austin! Their qualified insurance professionals will be able to assist you with all of your insurance needs!

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Keeping Road Rage Under Control

None of us are strangers to the overwhelming angry feeling that forces itself upon us when drivers are inconsiderate on the road. Your chances of encountering drivers like these are incredibly high every time you go on a drive. It is easy to be consumed by these feelings of rage and act out in a way that is unsafe, or could worsen the problem. Here are some tips for handling road rage, and a safer commute:

  • Focus on taking deep breaths.
  • Imagine that the person who has cut you off is dealing with a family emergency.
  • Put yourself in their shoes, and realize you would be acting in the same manner.
  • Repeat this process every time you encounter a rude or angry driver.

Anger does you no good when operating a motor vehicle. Incorporate these tips into your daily life and you’ll be on your way to a more peaceful life! For any insurance inquiries, go ahead and contact the Insurance Agency of Dean Davis, located in Austin! Their qualified insurance professionals will be able to assist you with all of your insurance needs!

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