How To Protect Your Basement Storage
While you may not use the items you store in your basement every day, odds are high they have some significant sentimental value. From the old photos of your parents to the holiday decorations you have hung every year since your kids were little, there is a reason you have hung on to all of this stuff you seldom use. That is why it is important to protect it.
To help your bolster protection around the belongings you store in your basement, here are a few tips.
- Protecting Your Photos: To help protect your photos against the moisture in your basement, make sure you use a dehumidifier. Also, store each photo in a plastic enclosure from uncoated polyester, polyethylene, or polypropylene to keep them in good shape.
- Store In A Safe: Replacing your social security card, passport, and other important documents like that is a huge hassle. Avoid this waste of time by keeping your most important documents in a fireproof, waterproof safe. This is a great place to keep birth certificates and savings bonds, too.
- Do It Digitally: You can further protects your photos and documents by scanning them and storing them digitally. By keeping an archive safely in the cloud where no physical disaster can reach it, you ensure you always have a backup.
- Safeguarding Seasonal Décor: When you store your holiday décor, put it in a plastic bin that would protect its contents in a couple inches of water or store the boxes off of the ground.
The good news is that should something happen to the belongings you have in basement storage, your homeowners insurance can step in to cover the financial cost of the loss (up to your policy limits). To learn more about how your coverage can protect your personal property, contact the Insurance Agency of Dean Davis in Austin, Texas today.
Thwart Thieves With This Guide
Your home provides refuge from the world. It safeguards you against storms, keeps pests away, and provides a safe location for you to store all of your personal property. That is, until a thief breaks into your home. To ensure your home continues to be a place of safe keeping, use these tips for increasing your security as a homeowner.
- Keep It Clean: The more overhanging tree limbs, overgrown shrubbery, and untrimmed gardens you have on your property, the more hiding places you offer to thieves who are hoping to get a closer look at your house without getting spotted. Not only will keeping your landscaping trimmed keep your home looking tidy, it will also deter thieves.
- Install An Alarm: A home security system can offer you significant peace of mind. It will bring the police to your home if triggered, making sure you get an immediate response if you do face a robbery. Plus, installing this kind of system can help you save on your homeowners insurance!
- Strengthen Windows: Breakable glass provides an easy point of entry for a determined burglar. Consider installing shatterproof glass or at least adding security film to your windows to make it more difficult for thieves to gain entry through your windows. While thinking about your glass, pop a security bar in your sliding door, too.
Unfortunately, even with all of these efforts a tricky thief might make it into your home. Would your homeowners insurance be enough to protect your quality of life after a major theft? To talk to the Austin experts about your coverage, contact Dean Davis Insurance. The entire team at the Insurance Agency of Dean Davis is ready to help you get the right Texas homeowners insurance policy so that theft never has to worry your family.
Looking at your finances can be a little confusing. Along with making sure that your finances are on track with your lifestyle, it is important to make sure that you have all the necessary documents to keep your finances in check. Make sure to collect these documents to keep your bank account under control.
- Beneficiary forms – your beneficiary forms will dictate who will receive the death benefit of your life insurance policy after you pass away, even if it is not included in your will. Having the right beneficiary forms will help to ensure that your life insurance policy does not have to go into probate.
- Living will – having a living will is the best way to communicate your medical preferences to your loved ones in case you fall ill. Living wills will help your loved ones make any tough decisions regarding your health if something were to happen to you. Keep in mind that you will have to choose a health care proxy in your living will, who is someone who will be responsible for carrying out your wishes.
- TOD/POD instructions – another way to transfer assets to a beneficiary without a will is with a TOD, transfer on death, or POD, payable on death. PODs are typically linked to your bank account, while TODs are linked to any brokerage accounts that you hold that do not have any other beneficiary form.
- Power of attorney – if you are no longer able to make your own decisions concerning health care and legal affairs, your power of attorney will give someone else the right to make the decisions.
For more finance protections tips, contact the insurance professionals at Dean Davis Insurance in Austin, Texas. We can help with all of your financial needs to ensure that you stay financially sound.
Auto Insurance Saving Tips
Any time you can save money in your daily life it can help you be more financially secure. While cutting down on the number of lattes you buy each week can help to pad your savings account, taking a look at your car insurance policy to see if you can shave off any expenses can help to save you even more. Keep these cost reducing auto insurance tips in mind to help you save some green this spring.
- Shut your sunroof – opening your sunroof while you are driving around is a great way to take advantage of the spring weather. However, leaving it open while your car is parked can leave you vulnerable to interior damage. If you do not have comprehensive coverage with your auto insurance, you will be left paying for the damages out of your own pocket. Even if you do have comprehensive coverage, you may still be liable for the damages. Keeping your sunroof closed while you are parked can help you avoid any damage.
- Check your mileage – the more miles you drive each year, the higher your auto insurance premiums can be, since you are more likely to be involved in an accident the more you are on the road. If you have significantly cut down on your yearly miles, such as if you retired and no longer have to commute to work, you may be able to drop your auto insurance rates.
- Raise your deductible – like most of your other insurance policies, the higher your deductible, the lower your monthly premiums. However, keep in mind that you will have to pay your monthly premiums out of your own pocket before your insurance coverage kicks in, so choose a deductible that you can afford.
For all of your auto insurance needs, contact the insurance experts at Dean Davis Insurance in Austin, Texas.
Seat Belt Safety
Seat belts save lives. Many studies have proved that this fact is true, which is why it is so important to make sure that you and your loved ones buckle up every time you get into the car. When it comes to children, a typical seat belt may not provide enough protection depending on how old they are. Keep these seat belt safety tips in mind to ensure that your precious cargo stays safe on the road.
- When deciding if your child is old enough to graduate out of their booster seat, use a safety belt fit test. When your child’s back is completely against the seat back, their knees should bend over the edge of the seat, allowing the lap belt to fit across the upper thighs. The shoulder belt should hit your child across their shoulder and chest. Typically, children are between 8 and 12 years old when they can safely sit with just a seat belt.
- If your child passes the safety belt fit test, make sure that they know the importance of wearing their seat belt every single time they are in a car, whether it is with you or someone else. Installing this habit early on will help to ensure that they will buckle up for the rest of their lives.
- When you set a good example for your children by wearing your seat belt, they will be more likely to wear theirs.
- Do not allow your child to wiggle out of the shoulder belt of their seat belt. In order to provide proper protection, both the lap band and shoulder belt need to be worn.
Along with wearing seat belts, having the right auto insurance is the best way to ensure that you stay safe while on the road. Contact the Insurance Agency of Dean Davis in Austin, Texas for all your auto insurance needs.
Daylight Saving Time Prep Tips
Are you ready for daylight saving time? Daylight saving time is on March 8th, which means that you have to turn your clock forward one hour to spring into the season. If you think that you are going to have difficulty adjusting to “losing” an hour of sleep, keep these simple tips in mind.
On that Saturday:
- Exercise in the middle of the day. Vigorous exercise can help to advance the body clock, helping you to feel tired a little bit earlier.
- Do not exercise too late. Exercising will also raise your body temperature, which will help to keep you awake. Since your body temperature drops when you sleep, it is much harder to get to bed when you are warm.
On that Sunday:
- Get up at your normal time. Even if you still feel tired, do not allow yourself to sleep in. If you stay in bed, you will not give your body time to adjust.
- Take a morning walk. The morning sunshine will help to advance your body clock and wake you up, even if you did not get a good night sleep. Walking is an easy exercise to get your body ready for the day.
In addition to the tips above, keep these general sleeping tips in mind to help you adjust to the time change:
- Do not eat a heavy meal too close to bedtime, and avoid drinking alcohol or a lot of caffeine.
- Try not to nap at all throughout the day. If you do have to take a nap, keep it to no more than 15 minutes.
- Make sure your sleep environment is dark and comfortable.
All of us at the Insurance Agency of Dean Davis would like to remind you to turn your clocks forward to ensure that you are not late for work come March 9th.
Your Guide To Saving On Life Insurance
Life insurance is one of the most important insurance policies available. It is meant to provide a financial cushion for your loved ones after you are gone. Unfortunately, many people skip out on life insurance to help save a little money. Keep these tips in mind to help you save money with your life insurance policy.
- Buy early – the earlier you invest in a life insurance policy, the less expensive it will be, which means thousands of dollars of saving over the life of the policy. When you are younger, healthier, and do not have any dependents, a life insurance policy will be much less expensive.
- Pay annually – when paying your premiums for your life insurance policy, you will have the opportunity to pay the premiums for the entire year at once. Most insurance companies will provide a discount on your premium if you choose to pay it in full for the whole year.
- Get healthy – the healthier you are, the less you will have to pay for your life insurance premiums since you are not considered a high risk to the insurance company. Life insurance companies will take any of your health issues into consideration when deciding on your premiums. If you have any chronic illnesses, you will have to pay more for your policy.
- Look for volume discounts – some insurance companies will charge lower rates for larger insurance policies. By simply increasing your amount of coverage, you may be able to save on your premiums. Make sure to ask your insurance agent if it would be less expensive to raise your coverage.
Contact the insurance experts at the Insurance Agency of Dean Davis in Austin, Texas for all of your life insurance policies. As an independent insurance company, we will work with you to ensure that you have the right amount of protection at the right price.