Archive for November 2015

Are You Prepared For A Lightning Storm?

Are You Prepared For A Lightning Storm?

Knowing how to protect your house during a lightning storm will help to prevent any serious damage.

Standard homeowners insurance policies will provide coverage for damage that is caused by lightning, including fire. Taking the time to do all you can to prevent any lightning damage will help to ensure you don’t have to make a claim. Keep these lightning safety tips in mind to help you and your home stay safe.

  • Install a lightning protection system – lightning protection systems give a safe path for a lightning strike to travel down, helping to reduce the damage that is done to your house. typical lightning protection systems including air terminals and a lightning rod that can easily be disguised as a weather vane that will help to carry the current to the ground.
  • Invest in surge protectors – plugging all sensitive electronic equipment into surge protectors will help to prevent damage in case of a power surge caused by a lightning strike. You should also consider installing UL-listed surge arrestors on your electrical service panels to better protect your whole house.
  • Unplug electronics – during a lightning storm, unplug all appliances and electronics that are not necessary. The fewer items that are plugged in, the more protection you will be able to benefit from.
  • Avoid making any calls – if you have a landline, do not use it during a lightning storm. Phones can carry electric currents into your house, and can cause serious injury if you are touching the appliance during a storm.

Taking a look at your homeowners insurance policy before the skies light up will help to give you the peace of mind that you deserve during a storm. Contact the independent insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas for all of your home insurance needs. We will work with you to help you find the perfect policy that will meet your needs, all at the right price to fit your budget.

More

Tailgating Safety Tips Everyone Should Know

Tailgating Safety Tips Everyone Should Know

Make the most of your next tailgate with these tips.

Tailgating is the best way to get the full football experience. Unfortunately, it can also open the door to certain risks. To reduce your risk of having to make an insurance claim this tailgating season, keep these tailgating safety tips in mind.

  • Have a designated sober driver to get you home from the tailgate. Keep in mind that just one alcoholic beverage can be enough to inhibit your driving ability.
  • Ensure all glass bottles and other hazards are not hiding under your tires before you drive away to prevent any damage to your vehicle.
  • Hide all of your valuables in the trunk of your car. Leaving all valuables at home will help to keep them even safer.

Before you head to the game, take a look at your auto insurance policy to ensure it will provide the coverage you need. If you do not already have comprehensive coverage, now is the best time to add the coverage option onto your policy. While your collision coverage will provide protection while you are traveling to and from the game, your comprehensive coverage will provide protection for any incidents that occur in the parking lot.

Comprehensive coverage, sometimes known as “other than collision coverage,” will provide protection for almost anything that goes wrong. If a football flies through your front windshield or your grill catches your car on fire, your comprehensive coverage will kick in to provide protection. Keep in mind that every policy is different, so make sure to talk with your insurance agent to see just how much protection you have.

When looking for the right car insurance policy to ensure you have the coverage that you deserve throughout football season, contact the independent insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas.

More

Do You Have Enough Holiday Home Liability Coverage?

Do You Have Enough Holiday Home Liability Coverage?

The holidays bring a unique set of dangers to your house.

The holidays are meant to be full of cheer. Unfortunately, just one accident can be enough to ruin your entire season. Knowing how to protect yourself and your family from any disaster that you may face will help to ensure that you can take full advantage of the season. Keep these holiday homeowners liabilities in mind to prepare for the season.

Your chestnut roasting leads to a home fire.

Home fire claims increase more than 10 percent during the holiday season, although not all of them are tied to chestnuts. Typical homeowners insurance policies will provide coverage if your house is burnt down. Looking over your home inventory to ensure it is up to date before the holidays will help to ensure that you have the right amount of coverage.

Thieves break in and steal all of your perfectly wrapped gifts.

Home insurance policies generally provide coverage for your personal belongings at 50 to 70 percent of your dwelling coverage. If any of your gifts are extremely valuable, such as a new diamond ring for that someone special, you should schedule it within your policy to ensure it is properly covered.

A delivery man slips and falls on your walkway.

Your existing home insurance policy will provide liability coverage for injuries that occur on your property. However, the limits can easily be exceeded depending on how hard the delivery man fell. Investing in a personal umbrella insurance policy will help to provide the additional coverage that you need to ensure that you aren’t financially devastated after just one accident.

For all of your homeowners insurance needs to ensure that you have the coverage that you deserve in case you have to make a claim this holiday season,  contact the Insurance Agency of Dean Davis in Austin, Texas.

More