Prep your home for the upcoming arrival of your little bundle of joy.
If you’re a parent-to-be, you’re in a for an exciting time of life. Expecting the stork at any minute means that your life will change drastically. From 3 a.m. feedings to triple-tasking to making sure your child’s college fund grows along with them, your child will rapidly become your first priority.
So that your child doesn’t face daily household dangers (and you have less to do), put these tips into practice before bringing the little one home:
- Keep long strings and cords tied up and out of reach.
- Search your house for small items that can cause choking: dropped coins, buttons, flower petals, and trash.
- Use anti-scald devices for faucets and showerheads. Lower your water settings and always test the water before dipping your baby in.
- Install corner and edge bumpers for tables and other furniture to help prevent injuries from falls.
- Add baby gates to rooms which may be dangerous for children (think basements, utility rooms) as well as at the top and the bottom of stairs.
- Household plants can be toxic if ingested. Lift plants up from the floor and place them on a high shelf or ledge.
- Replace all sockets with childproof sockets.
- Remove all mouse traps in your home.
- Anchor heavy furniture and appliances that could fall on young children.
- Ensure that the baby monitor is working!
Before your bundle of joy arrives, take a moment to review your insurance coverages. Your homeowners insurance policy should be up to date with all of your new baby purchases, and your life insurance should ensure that your growing family has protection should you pass.
To ensure that your home and life policies are up to date with your life and family, contact the Insurance Agency of Dean Davis in Austin, Texas today!
Ride easy by learning what the bicycle insurance myths are and how it can cover you!
With gas prices steadily rising every month, it’s no surprise that people across the nation are turning to bicycles as their main form of transportation.
Bicycles have increased in popularity, and is now the third most popular outdoor activity among adults, with 12 percent categorized as “frequent cyclists”. For children, the percent is steady 22%.
While the basics of bicycle safety are well known (wear a helmet, utilize reflectors, and be visible and alert at all times), many cyclists are unaware or misinformed concerning the steps that they can take to further protect themselves and their bicycle!
Bicycle insurance is a specialized, stand-alone policy that can cover liability, loss, damage, and even some medical payments. With many myths pedaling around, cyclists should know the facts when it comes to insurance!
Myth No. 1: My homeowners insurance policy will cover a stolen bike.
Fact: Some (and we stress, some) homeowners insurance policies will cover the theft of a bicycle if it is listed under the policy. Even if your bike is covered, policies often have low coverage limits for things like sporting equipment. Owners who fall victim to theft may be faced with the replacement cost due to low coverage limits and high deductibles.
Myth No. 2: If I buy a secure bike lock, my bicycle won’t get stolen.
Fact: While bike locks do deter thieves, it doesn’t mean that the bike won’t get stolen. Expert thieves can easily spot high-value bikes, and even with the best bike lock on the market, they know how to make a bike disappear.
Myth No. 3: Only professional cyclists need insurance.
Fact: Whether you ride around the block with your children or pedal to and from work every day, protecting against liability, damage, and losses can protect your bike, family, and finances! After all, most people aren’t professional racecar drivers but we’re required to carry auto insurance on our vehicles.
Are you ready to receive optimum now that you know bicycle insurance myths and misconceptions! Contact the insurance professionals at the Insurance Agency of Dean Davis, serving Austin, Texas for your bicycle insurance coverage.
There are easy changes that you can make right now to enhance your quality of life.
In our day-to-day lives, it’s easy to miss the forest for the trees. We can overlook some of the smaller, simpler things that can boost our happiness levels. Fortunately, you don’t need to make sweeping, dramatic changes to make your days happier and more meaningful! Improving your life can happen one step at a time – and one small change at a time!
Make the decision to jump on these changes to enhance your life!
- Step outside. Walking each day can reduce your risk of heart disease, stroke, obesity, type 2 diabetes, and some cancers. AND it is literally a breath of fresh air. Need we say more?
- Learn to read nutrition labels. It’s important to understand what you’re putting into your body on a regular basis. In addition, it may open to your eyes to certain chemicals, meaning you’ll avoid certain foods in the future.
- Make your bed every morning. This simple habit mentally prepares you to wake up, focus, and start the day!
- Do something nice for others. No time is ever wasted when you’re using it to do something kind for someone else.
- Accept help. Don’t shut out the world when you need help the most. When we rely on others for help, we embed ourselves in the community.
- Make time for yourself. Whether this time is dedicated to working out, meditating, or reading your favorite book, it’s important to schedule time to relieve stress and maintain focus.
- Don’t live in the past. If you dwell on the past mistakes, they will continue to hinder your future. You’ll never truly be able to gain self-confidence and learn from your mistakes. Let the past be the past. Instead, focus on your future goals!
Are you ready to improve your overall quality of life? So that you can start focusing on what really matters, let the Insurance Agency of Dean Davis take care of your personal and commercial insurance needs. Contact us for all of your policies within the Austin, Texas area.
Prep your garden for summer during National Garden Month.
Spring is in the air and that means sunny days and fresh, blooming flowers! Many active gardeners and beginner horticulturists make this the time to get their garden looking summer-ready! During April, otherwise known as National Garden Month, you have the perfect opportunity to manicure your lawn, plant the flowers, and freshen the soil!
To get your garden looking its best during National Garden Month, read on for top tips!
- Mow the lawn – This is the easiest way to get your garden looking neat.
- Remove leaves – Remove dead, damaged, and diseased branches from trees to clear up your garden.
- Know your region – Determine where you want to start planting by finding the best patch of soil in your garden. Consider everything from the climate to sun exposure.
- Test the soil – Invest in a soil testing kit to read your garden’s pH and nutrient levels. If your soil is hard or clay-like, it will be difficult for most plants to grow. In this case, add fresh soil, mulch, and compost.
- Start with low-maintenance – Growing vegetables is a fun introduction to gardening as they are quick to grow and easy to maintain. Early success can be encouraging, causing you to move on to more complicated plants.
- Create a plan – Research your plants first to know exactly how big they will get and how to space them out accordingly. Shorter and creeping ones should be planted toward the front and edges of the garden bed, with the taller plants in the back.
- Keep a notebook – Jot down your dreams or inspiration for the garden to keep you motivated to continue. This is also a great way to keep track of garden activity.
- Water accordingly – Give a consistent and ample amount of water. The water will vary from plant to plant.
- Have patience – Remember that Rome wasn’t built in a day!
Now that your home and garden are looking in tip-top shape from spring cleaning and spring gardening, be sure to acquire the protection that it deserves. Contact the Insurance Agency of Dean Davis in Austin, Texas to get started on your tailored homeowners insurance today!
Focus on the big three: carpets, appliances, and furniture and your home will gleam by the time you’re done.
Spring has sprung, and it’s time to renew your home by giving it a deep clean. Having a clean space can renew us mentally and help us to think clearly and begin anew as the seasons change.
Test out the carpet shampooer in an inconspicuous part of the house. When you’ve got the right ratio of shampoo to water, and you’re sure the machine won’t damage the rug, tackle a large room filled with furniture by putting wax paper under the feet of the furniture and only moving it out of the way to clean. You don’t have to move it fully out of the room. This will save time and the wax paper will make the furniture easier to slide and avoid the feet from getting wet.
Be sure to hit lighting fixtures, vents, ceiling fans, and other fixtures with a cloth or vacuum with a soft nozzle attachment. You might be surprised how much more light you get after cleaning off lighting fixtures.
Wash the Walls
You may not even notice that the walls are dirty until you take a sponge with dishwashing liquid and water, and actually wipe the walls. Then, watch how bright those dingy walls become. A sponge mop will help you reach those high places.
Don’t Forget Your Doormats
This is the first thing everyone sees as they enter your home. Shake them out, shampoo them, vacuum them, and beat them with a tennis racket (like in old country). A clean welcoming doormat will set the tone that your space is fresh.
Raid the Fridge
Empty all the food and then do a deep clean of the fridge, including removing dust from the coils in the back.
For all of your home insurance needs in Austin, Texas, contact Insurance Agency of Dean Davis.
With winter in full swing, and record-breaking storms on the horizon, it’s important to know how well your home is covered.
The tragedy happens when you think that you’re covered, but loopholes in your policy leave you vulnerable. Make sure you know your policy and have the exact coverage that you want, and, more importantly, need.
With a little bit of research and being proactive, you can make sure you have a great policy in place. Here are some common mistakes to avoid.
- Don’t Underinsure
Many homeowners only purchase enough insurance to cover their mortgage, which can be only up to 80-90% the value of their home. Furthermore, even if the full value of your home is covered, it may cost more to rebuild your house.
Here’s what to do. Hire a professional to estimate the value of what it would cost to rebuild your house. Many insurers provide this service for free or a fee of about $300. If you truly value your home, this fee may feel very small compared to the knowledge you’ll be getting in return.
- Don’t Assume You Have Flood Insurance
Make sure to always ask your agent if you are covered for a flood. If you live near a body of water, it may be part of your mortgage agreement to have flood insurance, but if not, then double check. Look at floodsmart.gov to see how big the risk is in your area and make sure you are adequately covered.
- Don’t Think You Have One Deductible Across the Board
You might think that your maximum out of pocket payment will be $500 or $1000, but make sure that there aren’t special circumstances that make you have to cover 10-15% of the cost.
With these helpful tips, you’ll be better aware of how strong your policy actually is.
For all of your home insurance needs in Austin, Texas, contact Insurance Agency of Dean Davis.
Know the difference between these two life insurance policies.
Term and whole life insurance are both viable sources of coverage, but one of them is probably better for you. Also keep in mind that you are a changing person and that your needs change as you grow. What may have been best for you five years ago may not be now. Here is a guide for you to compare and contrast the differences between term and whole life insurance.
Term Life Insurance
This kind of life insurance is designed to cover you through a specific amount of time when they can’t afford to pay whole life insurance. There is no cash value, but there is a guaranteed death benefit. The premiums will increase at certain times such as after a year, 5 years, 10 years, etc.
Many people choose this kind of life insurance during the time when their family is growing and as a way to have something in place of permanent insurance during years where financial responsibilities are higher than income.
Whole Life Insurance
As opposed to term life insurance, whole life insurance is made to give insurance coverage plus “living benefits” which includes cash value accumulations—as long as the insurance premiums is being paid on time. The insurance remains valid regardless of health.
In the long run, whole life insurance is better because it covers you for your whole life (hence the name). Once approved, the coverage cannot be taken away as long as premiums are paid. Even if your health is declining, the insurance will remain in place.
Also, this type of insurance builds cash value, as long as premiums are paid on time. You can use this cash value in the future for any purpose through a policy loan. You can use it to put a down payment on a home, pay for your children’s education, or for retirement!
For all of your life insurance needs in Austin, Texas, contact Insurance Agency of Dean Davis.