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Protect Your Home and Vehicle From Theft

During the Holidays the national theft rate rises. Unfortunately, people are more likely to have their homes broken into and their cars stolen in November – January than any other time of year. December is especially notorious for break ins and vandalism.

We’ve put together a list of helpful anti-theft tips you can use to protect your car and your home:

  1. LOCK UP! A lot of people do this already, but studies have shown that 50% of all vehicles stolen were left unlocked at the time of the rime. Lock up your home and your car whenever you leave it, even if you’re just running in to the store for an item or two. 
  2. Stay in the light! Thieves are less likely to steal in a well lit area, where people may catch on to what is happening. Park on streets where there is more activity and where they are lit if possible. Stay away from alleyways if you can. Leave a few lights on in your house when you leave or even keep the TV running if you’re just leaving for an hour or two.
  3. Close your windows! Roll your car windows up when you leave it. It doesn’t make much sense if you lock your car but leave your windows open. Make sure your house windows are closed and locked whenever you leave the house.
  4. Get a good insurance policy! No matter what you do, you still may be unlucky and fall victim to theft. Make sure you’d be covered if it happened to you. Get a good home owner’s insurance policy and car insurance policy that will cover you in these situations.

If you already follow these simple tips, good job! Stay safe out there.

Safe Winter Driving

Car on Snow-Covered RoadTraffic and weather can get hectic around the holidays. More people are out on the roads, and things can get crazy. Extreme weather can hit at any time, catching you off guard and make the roads much more dangerous than ever.

Taking care of your vehicle before the bad weather starts is key. Keep it tuned up, and make sure your emergency kit is complete. Keep a bottle of water and some snacks somewhere in case you get stranded, and make sure your tires have enough tread for surprise snow flurries.

When driving on side streets and the freeway, make sure you leave enough space between the front of your car and the person in front of you. Leave more than enough distance for safe stopping. Even if you are confident driving in winter conditions, you never know how others may react to ice and snow.

Keep your brakes in working order. They are your best ally in freezing weather.  If you feel your car slipping, and you don’t have antilock breaks, pump them until you feel traction.

Stay safe. If you’re not comfortable braving the elements, stay inside. Keeping yourself, your family, others and your car safe should be your first priority this holiday season.

Have a happy holiday season!

Know Your Coverages

Do you know what your car insurance policy actually covers? What is insured and what is not? It’s important to understand the coverage types are available and what you’re paying for.

Here is a brief description of some of the major coverages and what they’re all about:

Property Damage Liability - This coverage type covers claims for property that your vehicle damages in a accident. This type of coverage is required in almost every US state.

Comprehensive - This coverage type covers physical damage done to your vehicle from fire, vandalism, theft, wind, flood, and other accidents not resulting from a car crash.

Collision - This coverage type covers physical damage done to your vehicle from a car accident.

Bodily Injury Liability - This coverage type covers medical and legal costs if your car injures or kills someone.

Uninsured Motorist Protection - This coverage types helps cover you if the person at fault in the accident is uninsured or under insured. This can also help pay for damage due to a hit-and-run.

These are the most basic types of coverage and most policies include all of them, but at different amounts. Make sure you go over your policy with a professional that can help you determine if you’ll be covered in an accident or disaster.