8 Tips for Winterizing Your Home

Last year’s winter season will be remembered for bringing record-breaking snowfall to much of the country, with cities including Detroit and Chicago having some of their snowiest months on record. Parts of America were unprepared for the heavy storms, such as Georgia, where winter storms caused an estimated $25 million in damages.

Homes not prepared for such heavy snow can see damage ranging from burst pipes to a collapsed roof. Fixing these damages could be expensive, so prepping your house for the colder months in autumn is a smart approach. By following these tips on winterizing your home, you can help avoid costly repairs this winter season.

1. Fortify your roof to prevent ice dams

Ice dams, which occur when water builds up behind an ice blockage, can cause damage to ceilings and roofs by allowing melting snow to leak into a home. To prevent ice dams from forming, you need to keep the entire roof the same temperature as the eaves. Take this time to increase ventilation, add insulation, and seal off possible air leaks to be ice dam free.

2. Insulate pipes

When water pipes freeze and burst, they can cause water damage. Avoid flooding and a messy cleanup by insulating your water pipes with materials such as heating tape and fiberglass.

3. Seal air leaks

By preventing cold air from leaking into your home, you can save money on your energy bills and also make your home warmer. To reduce air leakage, place a sweep at the base of your door and apply caulk or weather-stripping around drafty windows.

4. Seal the attic

Sealing the attic is a great way to avoid heat loss through your roof in future winters. Make sure your attic insulation is 12 inches deep. If you’re going to install a new layer of insulation over an existing one, avoid using kraft-faced insulation, which can lead to moisture problems.

5. Weather-strip the doors and windows

Melting snow can lead to mold and mildew problems around your windows and doors. Seal up any gaps with weather-stripping seals or caulking to prevent moisture from getting in.

6. Inspect the furnace and chimney

Make sure your furnace and chimney are in working order before the cold weather hits. Both should be cleaned and inspected by a qualified professional each year to ensure safe and efficient use.

7. Prune your trees

Snow and ice buildup on trees can cause branches to break and land on your house. If a tree is close to your home, prune its branches and cut down any low-hanging limbs before the start of the winter.

8. Install wind-proofing materials

Strong winds can cause substantial damage to your property. To help avoid wind damage this winter, install wind-proofing features such as permanent window shutters and impact-resistant shingles

Pool Safety Tips

There's no better place to be than in the pool when you're trying to beat the heat. Pools provide great relaxation, exercise, and fun, but they can also be very dangerous, especially for children. According to the U.S. Consumer Product Safety Commission, drowning is one of the leading causes of death for children. Check out these tips to make sure that your pool stays a safe and fun place.

 

1.      Be Prepared. Everyone who is using your pool, including you and your children, should learn how to swim. You should also learn how to perform CPR on both adults and children. Teach your children pool safety tips from a young age, and remind them to follow pool rules whenever they go swimming.

 

2.      Be Alert. There should always be at least one adult watching the children in the pool at all times. This responsible adult should have a phone nearby in case of emergency. Never allow anyone to swim alone, even if they know how to swim. Never swim after taking anything that impairs your judgment or slows your reaction time, such as alcohol or medications.

 

3.      Install Fences and Gates. The fence around your pool should be at least four feet tall. A safe pool gate is both self-latching and self-closing. The latch on the gate should be located above a child's reach. You can also install pool and gate alarms to alert you when anyone goes near the water.

 

The fence around your pool should be at least four feet tall. A safe pool gate is both self-latching and self-closing. The latch on the gate should be located above a child's reach.

 

4.      Pay Attention to Decks and Ladders. The same basic safety rules apply to all types of pools, but above-ground pools also have decks and ladders. Put a guard rail around the entire deck. Ladders into the pool should be easily removable, or swing up out of the reach of children, and securely stored when the pool is not in use.

 

5.      Keep Your Pool Area Safe. Try to locate pools away from the house, instead of using it as a fourth wall. Locate lawn furniture, trees, and shrubs at a safe distance from the pool fence. These items present a hazardous way to climb over the fence and into the pool area. If you have an in-ground pool, put a clearly visible dividing line between the shallow end and the deep end. Visibly mark the depth of the water throughout the pool. Children might accidently fall into the water reaching for toys, so make sure that they are stored safely away from the pool.

 

6.      Perform Safety Checks and Pool Maintenance. Check your pool and equipment routinely to be certain that it is clean and working properly. Loose or unsecured ladders, fences, or guard rails could be very dangerous, so make sure to test these areas frequently for sturdiness and stability. Inspect nails, bolts, and other sharp objects that could protrude from your pool, deck, or equipment and cause injury.

 

7.      Be Aware of Entrapment. A major cause of drowning accidents is drain entrapment. Drain entrapment is when a body, article of clothing, hair, or jewelry is caught in a drain that is not working properly. The best way to prevent entrapment is to advise children to stay away from drains. Everybody going into the pool should have no loose clothing or jewelry on and have long hair tied back. Consider installing automatic shut-off systems and verify that your drain covers are compliant with safety standards.

 

8.      Know what to do if an Accident Happens. The electrical cut-off switch and pool pump switch should be clearly marked and easy to reach. You should know how to shut these switches off quickly if an emergency were to occur. In the event of an entrapment, insert a small object in between the person and the drain to break the suction, and then roll them away from the drain. It would be nearly impossible to pull a person away from the drain without breaking the suction first. Accidents happen even at the safest pools, so have a first aid kit nearby at all times.

Summer Safety Tips for Kids

The final school bell has rung, the pencils and notebooks are packed away and the kids are ready for some summer fun! Children love the hot summer months, because they provide the perfect opportunity to spend lots of time outside. Whether it’s swimming in the pool, hiking through the woods, taking long walks, or going for a bike ride, there is something for everyone, no matter how young or old.

 

We hope that everyone enjoys this special time of year, but we want to also remind parents that there are potential dangers during the summer months, and it’s important to be aware of what they are. The more information one learns about how to prevent illnesses and injuries, the less likely they will occur.

 

There are many areas to cover when it comes to summer safety, and we’ll review just a few here. Please keep in mind that this is a brief list of tips. For more information check out the web sites recommended at the end of this article.

Tick Bites

Ticks are responsible for a variety of illnesses including Lyme disease and Rocky Mountain Spotted Fever. These diseases can be very serious. Learn ways to protect your family. Some suggestions include:

• protective clothing (long sleeves, long pants, tucking pants into socks)
• tick/bug repellant
• insect repellant for pets
• staying in the center of paths, keeping away from overgrown areas and not sitting directly on the ground
• performing tick checks on all family members every day
• being aware of signs/symptoms of tick-related illnesses
• calling the doctor for any concerns and questions
  
  

Helmet Safety

• An appropriate helmet must be worn whenever a child is “on wheels.” This means bicycles, scooters, skates, rollerblades, skateboards and more!
• The helmet must fit properly.
• Helmets can be life saving and can protect a child from serious injury.
• Be sure the right type of helmet is being used. For example, a bike helmet needs to be used for biking.
• Moms and dads should wear helmets as well.
  
  

Pedestrian Safety

• Teach children to walk, not run, across the street.
• Children should cross only with an adult or an older, responsible child.
• Whenever crossing the street, try to make eye contact with any drivers nearby, to be sure they see you.
• Teach children to avoid running out from between parked cars.
• Use sidewalks whenever possible.
• Always hold your child’s hand near any moving or parked vehicles.
• Adults always need to set a good example!
  
  

Water Safety

Adult supervision is of paramount importance. Parents need to focus on their children 100% of the time. No distractions!


• Practice “touch supervision” (a term used by the American Academy of Pediatrics). This means that at all times, the supervising adult is within an arm’s length of the child being watched, when near or in the water.
• Remember, no child or adult is “drown proof.”
• Keep in mind that children can drown in many different water sources including: bathtubs, toilets, buckets, baby pools, backyard swimming pools, community pools, streams, creeks, lakes, rivers, oceans and other places.

Sun Protection

• Avoid sun exposure during peak sun hours (10 AM – 6 PM).
• Wear protective clothing and a wide brimmed hat and sunglasses (with 99-100% UV protection).
• Sunscreen is a must (on sunny and cloudy days)! Look for products with UVA and UVB protection and an SPF of at least 15 (according to the American Academy of Pediatrics and American Association of Dermatology).
• Sunscreen should be applied liberally 30 minutes before going out in the sun, and reapplied every two hours or sooner if swimming, sweating or toweling off.
• Look for shade whenever possible.
  
  

Poison Ivy, Oak and Sumac

• It’s the oil from the leaves of these plants that cause the potential allergic reaction.
• Consider wearing protective clothing to help decrease the amount of exposed skin.
• Learn how to recognize what poison ivy, oak and sumac look like, so that they can be avoided.
• Avoid bushy, overgrown areas and places which may contain these plants. Try to stay on paths.

Summer First Aid Kit

• Every family should have at least one first aid kit at home which is well stocked and readily accessible.
• It’s also helpful to keep a first aid kit in the car and one to bring on trips.
• Kids get lots of cuts and scrapes during the warm summer months, so it’s nice to be prepared.
• Don’t forget to restock the kit once an item has been used.
• Be sure to keep a list of emergency numbers where they are easy to find. This list should include: emergency medical services (911), the doctor’s number, the dentist’s number, poison control, a number where mom and/or dad can be reached and any other important phone numbers.

Dehydration and Heat-Related Illnesses

• Keeping well hydrated is very important.
• Children (and adults) must remember to drink.
• Do not wait until a child says he is thirsty before offering fluids. At this point, he is already dehydrated, so be sure to provide plenty of fluids before going outside, while out in the heat and afterwards.
• Playing in the hot summer sun means lots of fluid losses, so avoid strenuous activity during peak sun hours (10 am- 6 pm). Look for shade and take lots of breaks.
• Seek medical attention immediately for any signs of heat-related illness.

Grilling

• Never let children near the grill. Remember, it can remain very hot even after it is no longer being used.
• Be sure to check the internal temperature of foods on the grill, to be sure everything has been cooked appropriately.
• If picnicking outdoors, avoid leaving out foods that require refrigeration and/or foods that can quickly spoil.

Car Insurance Misconceptions vs. Reality

 

Buying car insurance that’s right for you can be a challenging task, especially with so many options available. You’ll have to navigate through persisting myths as well, but we can clear some of these up for you.

 

Misconception: A red vehicle costs more to insure

 

Reality: If you’re looking for auto insurance for a red car, don’t worry about having to pay more for coverage because of color. Car insurance providers do not factor in color, nor do they ask for that information. Most will, however, take into account such things like model, make, year, and engine size of your car. How many miles you drive each year, where you drive, your past accident history, and even your credit history may be used to determine coverage pricing.

 

Misconception: Car insurance will pay off my loan if my car is totaled

 

Reality: Some consumers have outstanding loan balances that are greater than the value of their vehicle; these customers may want to consider purchasing “gap” insurance (coverage that, for an additional charge, will pay the difference between your loan value and the cost to replace your car).

 

Misconception: Car insurance is “one size fits all”

 

Reality: Auto insurance can, and should be, customized to each customer’s individual needs.

 

Misconception: More expensive cars cost more to insure

 

Reality: The cost of a vehicle does influence the price of insurance but just as important are things like how costly replacement parts are, how many repair specialists there are for a vehicle, etc.

 

Misconception: Rates automatically go up after a traffic ticket

 

Reality: Getting a traffic ticket doesn’t automatically mean significant premium increases. However, not all tickets are created equal, either. The following are some premium-busting tickets you’ll want to avoid:

• DUI Reckless driving
• Careless driving
• Speeding
• Failure to stop
• Failure to yield to pedestrian
• Driving in a carpool lane

Misconception: If a friend borrows the car, he or she is responsible for damages

 

Reality: If you ever decide to let a friend borrow your car, make sure he or she is an experienced driver with a solid driving record. If they do get in a car accident, it may be your insurance that has to cover the damages.

Enjoy longer days and warmer nights while protecting your investment

Summertime is the best time to be outside enjoying the weather. Make sure your deck or patio is ready for the summer sun by keeping in mind the seasonal maintenance tips below.

• Check deck or patio for possible deterioration and safety hazards such as loose boards and protruding nails.
• Check electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Check all window and door locks to ensure correct functioning. Make sure all locks are secure and there are no holes in any of the screens.
• Inspect recreational equipment for proper operation and possible dangers (e.g., Are swing sets secure, and do they contain any rusty bolts?).
• Carefully inspect your toilet. Look for the erosion of plastic floater valves, and check all pipe connections.
• Clean or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust and pieces of material.
• Inspect washing machine hoses periodically, and replace hoses that show signs of wear or leakage.
• Have your roof inspected by a professional once every few years to identify areas of potential leakage.

3 Often Overlooked Household Problems

 

 

Your home is your castle, but even castles need a new drawbridge every now and then. Protect your castle this spring to avoid costly home repairs down the road.

 

Here are 3 household problems that are easily overlooked, and even more easily fixed.

 

1.  Tighten loose doorknobs – We take doorknobs and handles for granted, but they’re one of the most touched, turned and yanked parts of the home. Over time, doorknobs can loosen, stop working or even fall off. A loose doorknob can also prevent the door from locking properly, potentially creating a security risk.

How to avoid loose knobs –Tightening the screws on your doorknobs once a year should be enough to keep them in place. If the keyhole of a lock tends to stick, use graphite powder to lubricate the works. Oil may also work, but can become sticky over time.

 

2.  Caulking the bathroom – The grout or caulk around your bathroom fixtures can degrade over time, leading to discoloration from mold or even water leaks. To protect your bathroom from water damage and hidden mildew, check the rim around your bathtub and other fixtures and look for places where the caulk is worn away or missing. Exposed corners could mean that it’s time to re-caulk.

How to replace caulk – Redoing the caulking in your bathroom is easy and only requires a few tools. If you’re not sure what kind of caulk to use, ask an employee in the bathroom fixture or plumbing department of your local hardware store for a recommendation. A few things you might need are a putty knife, drop cloth, caulk gun, caulk tube and a sponge for clean-up.

 

3.  Clean refrigerator coils – Too often we have an “out of sight, out of mind” approach to cleaning. Hidden places like under the bed and behind appliances are rarely cleaned as often as they should be. Dust can build up — and, in the case of refrigerators, cause the appliance to work less effectively. Too much dust will insulate the coils, preventing the release of heat that helps keep your refrigerator cool.

How to clean refrigerator coils – Cleaning the back of your refrigerator is simple. Once or twice a year, use a handheld vacuum or vacuum attachment to remove the dust from the coils. Doing so prevents your refrigerator from working too hard, and can even lower your electric bill.

 

These 3 maintenance tips are often overlooked by homeowners, but can help prevent damage and potentially save you money – while only taking a few minutes each to complete.

3 Way Parents Can Discourage Texting While Driving

 

We’ve mentioned in past blog posts that according to the National Safety Council an estimated 25% of car accidents are caused by cell phone distractions. And that number is likely higher among younger, inexperienced drivers whose cell phones are practically an extra appendage. Here are a few simple things you can do as a parent to encourage your teen to put down the phone and drive.

 

1. Lead by example

 

You may not realize it, but while your teen is learning to drive, he or she is paying close attention to your driving habits. For your safety as well as to set a good example, make a point of never using your phone behind the wheel. This shows your teen that ignoring the phone while driving isn’t a punishment for inexperienced drivers: It’s a precaution everyone should take, like buckling a seatbelt.

 

2. Talk to your kids

 

Don’t rely on your teen to notice that you’re not using your phone behind the wheel. Take a few minutes to explain the dangers of texting while driving. Use the information on this infographic, from the National Safety Council, and be sure to remind them that it’s OK to take an emergency call or text in the car – just pull over first.

 

3. Explore high-tech solutions

 

There are several smartphone apps that can reduce the temptation of picking up the phone while driving. Most of these apps work by limiting the functionality of the phone when the car exceeds about 25 mph. Research a few options on the smartphone platform your teen uses; if your son or daughter doesn’t have a smartphone, encourage them to get into the habit of turning their phone off before getting behind the wheel. As a parent, there’s a lot you can do to influence your teen’s driving behavior. Making sure your teen understands the dangers of texting while driving can go a long way toward keeping you your son or daughter safe.

5 Insurance Buying Mistakes to Avoid

Buying insurance can be confusing, but when the unexpected happens – a house fire, a fender bender or a broken bone – it's a relief to know that some of those financial losses will be covered. But how do you know how much coverage you need? And what questions should you ask before buying a policy? Many consumers aren't sure. Insurance coverage is far from one size fits all, so here's a look at mistakes some consumers make when buying insurance.

1. Assuming insurance is out of reach. The U.S. Census Bureau reports that 48 million Americans had no health insurance in 2012. And about 30 percent of U.S. households have no life insurance, according to LIMRA, a worldwide research and consulting organization for insurance and financial services. In some cases, consumers skip insurance because they think it's out of their budget. Often, that's not the case, according to Marvin Feldman, president and CEO of the LIFE Foundation, a nonprofit organization that educates consumers about financial planning and insurance. The LIFE Foundation collaborated with LIMRA on the 2013 Insurance Barometer Study, which found that the average consumer thinks life insurance is three times more expensive than it actually is. "[Consumers are] not researching it to determine what the cost is," Feldman says.

 

When buying health insurance or property and casualty insurance, ask about potential discounts. "Two-thirds of consumers don't realize they can get financial help if they buy their own health insurance, and they can get financial help if they go and buy in these health insurance marketplaces," says Lynn Quincy, senior policy analyst with Consumers Union, a division of Consumer Reports. "You may be way overpaying if you don't investigate this possibility." While health insurance discounts are often income-based, homeowners and auto insurers offer discounts for everything from being a member of groups like AARP, to being a good student or a good driver, to having a home security system.

 

2. Relying on assumptions or outdated figures. Changing economic conditions mean you might need more insurance coverage than you had in the past. Take life insurance. In the past, consumers might have based their life insurance coverage on their current income, but "if something happens and you're no longer around, you need more capital at work to provide the same income [to your beneficiaries]," Feldman says. Disability and long-term care insurance are even more complicated than traditional life insurance. "For disability, do you want coverage that lasts forever? Are there health issues in your family?" Feldman asks. "That's where you need to speak to somebody to get some guidance."

 

In the case of homeowners insurance, your home could be underinsured if you've renovated or if the cost to build a home has increased due to higher material costs or other factors. That's why experts recommend reviewing insurance coverage once a year to make sure it still fits your needs. Talk to your insurance agent if you're unsure.

 

3. Shopping on price alone. Comparing insurance policies can be confusing, but resist the urge to simply choose the policy with the lowest premium. Consider the company's reputation and the coverage you'd get for that premium. "As a general rule with health insurance, the higher the premium, the lower the amount you pay when you go to the doctor," Quincy says. Private health insurance plans must provide coverage examples showing what your estimated out-of-pocket costs would be for, say, having a baby or managing Type 2 diabetes. Some examples might not apply to you, but they can help you compare plans and see how much you might pay in coinsurance and copays.

 

"Make sure you're shopping apples to apples and getting quotes based on the same coverage that you have," says Lori Conarton, a spokeswoman for the Insurance Institute of Michigan. Your property and casualty insurance may not cover things like food spoilage in the event of a power outage or stolen electronics worth more than $1,000, so you may want to purchase extra endorsements to cover those possibilities, she adds.

 

With disability or long-term care insurance, prices can vary depending on the length of the elimination period – the amount of time you must wait before coverage kicks in – and whether the policy includes inflation protection, so consider these factors, too.

 

 

4. Glossing over the details. Make sure you understand what your insurance policy covers. For health insurance, it's cheaper to see doctors who are in-network and buy prescription drugs covered by the formulary, so Quincy suggests checking to see if your doctor is in-network and if your prescription drugs are covered before you buy a policy. Otherwise, you could get an expensive surprise.

 

Read your insurance policy and contact your insurance agent if anything is unclear. "Unfortunately, a lot of people don't find out what coverage they should have had until they have a loss," Conarton says. "Here in Michigan, we've had a lot of winter weather, and some people don't know that flooding is not covered under a regular homeowners insurance policy." However, you can usually buy a separate flood insurance policy. Many people also assume that drain and sewer backups are covered by insurance, but often they're not, Conarton adds.

 

5. Setting your deductible too low. Setting a low deductible typically means higher premiums, and in the case of property and casualty insurance, a greater likelihood of small claims that could ultimately raise your premiums. Insurance is designed to protect against losses you could not cover yourself, so if you can afford to pay the first $500 or $1,000 in losses yourself, you may not need a lower premium. "Consider your own financial situation," Conarton says. "How much of the risk are you willing to assume before you make a claim and the insurance company pays on your claim? You really have to think about how much of that loss you could pay yourself."

Safe Ways to Stay Warm in a House With No Heat

Whether you’re trying to save money on your utility bill, dealing with a power outage or shivering through a furnace breakdown, staying warm in a home with sub-zero temperatures outside can be a challenge. Here are some ways to keep toasty.

 

 

 

Seal doors

 

Prevent outside air from getting inside your home by installing door sweeps at the bottom of all exterior doors. They’re inexpensive, simple to put on and can keep dust and pests out, too.

 

Weatherize windows

 

Keep cold air out of your home by sealing window gaps.

 

Insulate the attic

 

An under-insulated attic lets cold air in and warm air out. Proper insulation, however, can not only keep your home comfortable by retaining warm air from the heater or furnace, but can save up to 20% on your utility bill. Check out our fun infographic for more DIY home projects.

 

Let the sun in

 

Open your curtains, shades and blinds and let the sunshine in. Natural sunlight is warm, free and it can even give your mood a boost.

 

Dress warmly

 

Rather than immediately cranking up the thermostat when you get chilly, add a sweater or dress in layers. Still cold? Pull on some thermal socks and snuggle up in a cozy blanket.

 

Get active

 

Raise your body temperature by walking, exercising indoors or cleaning. You’ll feel warmer, lose calories and will have spiffed up the house. Save on your heating bill and keep your home comfortably warm on frigid days by following the tips above.

8 Helpful Safety Tips for Driving in a Snowstorm

 

The first winter storm of the year brought heavy snow, strong winds and record-low temperatures to much of the country. Icy roads were blamed for several deaths and numerous car accidents. The Federal Highway Administration (FHWA) estimates 168,300 crashes a year occur on snowy or icy pavement. If you absolutely must drive, follow these tips for driving in the snow.

 

1. Maintain a safe following distance

 

Ensure there are 3 seconds between your car and the vehicle in front of you to give yourself enough time to stop safely and avoid a collision. In slick or icy conditions, double the 3-second rule to 6 seconds.

 

2. Clear snow

 

If you’re can’t see out all vehicle windows, you can’t drive safely. Remove snow and ice from all windows and side mirrors.

 

3. De-ice your windshield

 

Keep your windshield washer tank full at all times. Be sure wiper blades are in good condition.

4. Learn how to control a skid

 

In a skid, help gain control by steering in the direction you want your vehicle to go.

 

5. Avoid using cruise control

 

You need to be alert and in control at all times, so save cruise control for normal road conditions.

 

6. Reduce your speed

 

Slow down. It can take much longer to stop in snowy or icy conditions.

 

7. Use your anti-lock brakes (ABS) properly

 

ABS brakes can be effective. Just maintain firm, constant pressure. Your vehicle owners’ manual explains how they work and how they should be used in inclement conditions.

 

8. Install snow tires

 

Compared to all-weather tires, snow or winter tires have tread designed to maintain a better grip on icy and snowy surfaces. Experts recommend installing winter tires on all 4 wheels.

 

For added peace of mind, create an emergency car kit using our list of winter driving gear. Driving in snow increases the chances of an accident, so prepare yourself by remembering these safety tips when you get on the road.

12 Must-Have Winter Emergency Car Kit Items

A snow-covered landscape may be a beautiful sight, but icy roads, strong winds and snowdrifts can make winter driving treacherous. It’s wise to have an emergency kit in your car in case it gets stuck or breaks down. Here are some items it should contain:

 

 

1. Ice scraper or snow brush

 

Poor visibility can make driving dangerous. Remove ice and snow from your all your windows.

 

2. Windshield washer fluid

 

Since you may use more windshield washer fluid on snowy and icy days, keep your fluid reservoir full and carry an extra jug of winter-rated fluid in your trunk.

 

3. Foldable shovel

 

Stuck in the snow? It’s smart to keep a small shovel in your trunk to help dig your wheels out.

 

4. Sand, salt, or cat litter

 

Keep a bag of sand or cat litter in your trunk. Throw several handfuls under spinning tires for better traction on snow or ice.

 

5. Jumper cables

 

Car batteries take a beating in the winter, so carry jumper cables. Be sure to read directions about how to connect them to a working vehicle.

 

6. Flares or reflective triangles

 

You want to be seen if your car breaks down or is stuck. Emergency flashing lights, flares and reflective triangles can alert oncoming traffic of your plight.

 

7. Flashlight and batteries

 

Always carry a flashlight and fresh batteries. It helps you to see and be seen by other drivers.

 

8. Tow rope

 

A tow rope of proper strength can be used to pull your vehicle out by another. Check your car’s owners manual for how and where to attach the rope and how to proceed.

 

9. Cell phone and charger

 

Be sure your cell phone is fully charged or you have a phone charger in your car. Or consider having a backup phone to contact a towing service or emergency personnel.

 

10. First-aid kit

 

A first-aid kit can save your life in an emergency. Consider purchasing a pre-stocked kit or make sure your DIY version contains bandages, antibiotic ointment, gauze pads, antiseptic, scissors, thermometer, safety pins, tweezers and hand sanitizer.

 

11. Blankets and hand warmers

 

Keep a warm blanket, sleeping bag or metallic “space blanket” in your car to help retain body heat and keep you warm if you’re stranded. Hand warmers and an extra pair of gloves are smart ideas, as well.

 

12. Bottled water

 

A person can live for days without food, but our bodies need water. Avoid dehydration by stashing several bottles of water in your trunk.

 

If you live where snowfall is common, a winter emergency car kit is essential, but take precautions to avoid getting into an emergency situation. Have your mechanic give your car a bumper-to-bumper once-over to ensure it’s ready for winter driving.

10 Tips For Buying Insurance In 2014

2014 marks the biggest change in health insurance since Medicare. For the first time ever, health insurance is mandatory for most Americans under age 65. The biggest change is that those people with pre-existing medical conditions will now be able to buy quality health insurance without fear of being declined, or facing a surcharge or a waiting period for pre-existing conditions that won't be covered.

 

The second biggest change is that those who earn less than 400 percent of the federal poverty level -- $45,000.00 for individuals or $95,000.00 for families of four -- will now be able to qualify for premium discounts on health insurance costs. The requirement to qualify for the discount is that insurance must be purchased on one of the new health insurance exchanges, aka marketplaces.

 

1. Work with a knowledgeable health insurance agent.

Eliminate about 80 percent of the difficulties of buying insurance online. A good agent can help you navigate the exchange site, help you determine whether you qualify for a discount and, if you do qualify, help you choose from among the various plan options and even help you enroll. They will be able to answer your questions as they come up. Best of all, having an agent help you doesn't cost a dime extra.

 

2. Don't buy insurance on an exchange if you don't qualify for a discount.

Insurance companies that participate in the exchange in most cases offer many more options for qualified health insurance beyond what they make available on the exchange. You can go to individual insurance company websites to see what each company has available. Or, you can have your agent do that for you (see Tip 1).

 

3. Work with an insurance agent to plan health coverage for your family if dependents aren't covered adequately by your employer plan.

If you have dependents covered under your group health insurance plan at work, unless the employer is paying for some of the cost, work with an insurance agent who will help you determine if you can get better coverage for less money on your spouse and/or children. Chances are if you have employer paid group insurance on yourself, you won't be eligible for an individual plan. But that doesn't preclude your spouse and children from having one, especially if the employer doesn't contribute anything toward dependent coverage costs.

 

4. Before choosing a health plan, be sure the doctors are "in network" and you can see specialists without a referral.

Less costly plans often don't let you see specialists without a referral from your primary care doctor.
 

When you are considering plans, don't just choose the cheapest. Pay attention to who is and is not in network. About 90 percent of the time, it probably won't make a difference. But, that 10 percent can be a life-and-death situation.
 

In Minnesota where I'm from, the gold standard of choice is the Mayo Clinic. I won't pick a plan myself or recommend a plan that doesn't include the right to go there without begging for a referral.

 

5. Hire an expert insurance agent or consultant to audit your insurance program.

Look for someone to make sure that all the major risks in your life are well-protected – for risks such as major lawsuits, major damage to or destruction of your residence, premature death, long-term disability and, of course, major medical expenses.
 

An expert can help you identify where the gaps are and recommend custom endorsements to plug those gaps. I have done several hundred audits over the years and typically find at least 15 to 20 coverage shortfalls or inconsistencies.

 

6. Protect your income with long-term disability insurance.

Some employers provide it. However, benefits that you receive while disabled usually are taxable income. So, if the benefit is 60 percent of your salary, you will be lucky to yield 45 percent after taxes.
 

Unless you can live on that 45 percent, contact your employer. Request that the company include the premiums it pays you for long-term disability insurance in your taxable income. By doing this, you will have paid income taxes on the relatively small premiums so that if you become disabled, you can collect those benefits tax-free.
 

If your employer can't or won't do that for you, buy a supplemental individual policy that will cover at least the income taxes that you will have to pay on your group benefits.
 

If you don't have coverage at work, talk to a knowledgeable agent to help you qualify for and buy a privately owned long-term disability insurance policy. Because you're buying this policy with after-tax dollars, benefits will always be tax-free to you!

 

7. Buy an umbrella liability policy to cover insurance gaps in your primary policies.

All umbrella car or homeowners insurance policies cover lawsuits. Typically, these policies will provide a base layer of coverage, usually $300,000 or $500,000 per claim. Then, if you're sued for more than those limits, an umbrella policy will pay excess amounts up to the umbrella limit of $1 million or more.
 

The real advantage of an umbrella policy is that it will defend and pay some judgments against you from personal lawsuits not covered by your primary auto or homeowners policies.
 

Never worry about the price of an umbrella policy. Instead, focus on whether it is broad enough to cover those uncovered risks in your life not covered by auto or homeowners insurance.
 

Here are just a few examples of lawsuits not covered by auto or homeowners insurance that can be covered by the right umbrella policy:

• Damage to rental cars in the U.S. or abroad.
• Injuries you cause to a water skier while renting a powerboat on vacation.
• Liability that you agreed to in a contract such as a wedding reception contract, making you responsible for all injuries and/or property damage caused by wedding guests.
• Injuries you cause to a co-worker while driving a company-furnished car.

 

8. For a townhouse or condo unit, be sure you get the "deductible assessment coverage."

The rates for condominium master policies have been on the rise. To keep the premiums affordable, many associations have opted for higher deductibles of $5,000, $10,000 or even $25,000. Not only does that keep the premiums affordable, it also minimizes the number of claims made against the master policy, which helps keep the rates low.
 

Here's the problem: If the loss is caused by you from, say, a kitchen fire or dishwasher overflow, or is confined to your unit, most associations will require you to pay the deductible on the master policy.
 

"No problem," you say proudly. "I have loss-assessment coverage on my homeowners unit-owner policy." Virtually all laws on assessment coverage limit deductible assessments to $1,000. If that wasn't enough bad news, it also requires that the assessment be against all unit owners.
 

The bottom line is that you will need to get a relatively new coverage -- separate coverage -- called "deductible assessment" coverage. Find out what your association master policy deductible is and buy deductible assessment coverage for that amount from your insurance agent.
 

9. If your home is for sale, watch out for vacancy exclusions.

With the housing market in the dumpster the past few years, this common problem has arisen. A couple buy a new home before their existing home sells. They move into the new house, leaving the old house empty. Three months later, vandals break into the old home, have a wild party and completely trash the place, causing $50,000 in damage, and the owner has no coverage.
 

Homeowners policies exclude glass breakage and vandalism damage if the house has been vacant, that is without enough furniture to be lived in, for 60 days or more. There are high-risk policies you can buy to cover a vacant house, but the coverage is watered down and the premiums are three to four times greater than what you've been paying for homeowners insurance.
 

The better way to keep your homeowners policy and still have vandalism coverage is by keeping enough furniture in the house so it can be lived in, such as a kitchen table, a couch and a lamp in the living room, and one bed.

 

10. For all of your insurance needs, pick an insurance agent with great expertise.

What most people don't realize is that you can get an insurance expert for the price of an intern. Since all agents work on commission, an agent with a lot of experience costs exactly the same as a less knowledgeable agent.
 

The biggest mistake that people make when they buy insurance is that they shop based on price and end up with the agent who gave them the best quote, often with very little expertise. In fact, they would be much better off coverage-wise and price-wise if they shopped for the expertise of an agent first, then had the expert design insurance coverage with the right specifications and had the expert shop for that coverage.
 

Shopping for the best price first leaves you with a good deal but the wrong coverage. Shopping for expertise first leaves you with a competitive price for the right coverage.

When you have a serious claim, which choice would you make?

CHEERS TO 2013!

NEW YEAR RESOLUTION:   Getting Your Insurance Coverage in Order for 2014   There is not a lot of time to think about insurance during the hectic rush of the holidays, but as you ring in the New Year, it is a good idea to evaluate your insurance coverage. The National Association of Insurance Commissioners (NAIC) offers these tips and reminders to help with your review.

Homeowners/Renter's Insurance This is a great time to update your home inventory and make sure your homeowners or renter's policy is up-to-date. While the decorations are out of storage, take some photos or video of your baubles. Do not forget to make note of any antique items and their value so you can talk with your insurance agent to ensure that they are properly covered. If you are starting a home inventory from scratch, the NAIC's free smartphone app, myHOME Scr.APP.book, takes some of the headache out of the process. Download the app from iTunes or Google Play. You can also download a paper version here.   Now that you have opened all your gifts, remember to add them to your home inventory, too. Include as many details as you can and take a photo of each item. Most basic home insurance policies have standard limits for big-ticket items like electronics, art, jewelry or sporting equipment. You may need special coverage, so be sure to call your agent as soon as possible to discuss changes for your policy.   If you want to review your insurance policy or declarations page before talking with your agent, take a look at this consumer alert to help understand the terminology.   Auto Insurance Winter can be a challenge for all drivers. Whether you are trying to escape the weather for someplace warmer or just preparing for the first drive to work in the snow, there are a few insurance items you should review.   To make sure you are winter-ready, check your auto insurance policy. Here is a quick reference on how to read your declarations page.   Make sure your coverage is appropriate for your life situation. Liability is the part of the policy that pays for any injury or damage if you cause an accident. If your liability insurance is too low, it is possible that you could be sued for any damages above your liability limits.   Also take a look at your deductibles for comprehensive and collision coverage. This is the amount you will pay if your car is damaged or totaled without fault of another driver. Raising or lowering this amount can affect your premium.   Before hitting the road, make sure you have a copy of your insurance card and your insurance agent or company's number in the car. It is also a good idea to have a way to record details of an accident if you are in one. The NAIC smartphone application WreckCheck walks you through the process of gathering information following an accident. You can then email your notes directly to your agent. Download the free app from iTunes or Google Play.   Health Insurance Many families recently went through the open enrollment process for their health insurance at work or Medicare Open Enrollment, which means you may have new insurance cards and paperwork coming in the mail. It is a good idea to get all this information together before winter illness or accidents happen.   Make sure to check your provider lists to verify visits to your doctor and any specialists are still covered by your policy, as in-network or preferred provider lists change from year to year. Also read through your documents and make note of your copays for in-network and out-of-network providers so you are not surprised later.   When you're planning a vacation away from home, check with your insurance carrier to identify urgent care centers and hospitals that accept your insurance coverage near your destination and along the way. Be sure to ask your carrier about applicable co-pays and deductibles if care is needed.   Click here for the explanation of some of the terms you may find on your health insurance paper work.