Archive for December, 2014

Winter Weather Watchwords to Know for On-the-Road Safety

Wednesday, December 31st, 2014

Drivers have to be cautious when out on the roads regardless of the weather, but wintery conditions can make driving especially hazardous. Hazardous conditions end up leading to accidents, and accidents in turn can lead to skyrocketing automobile insurance rates. One way to protect yourself (and your insurance premium) is by knowing the terms used to describe winter weather and to be on the lookout for them in the weather report before you go for a drive. Read on to find out what your winter watchwords will be from Wachter!

Winter Watchwords Frost/Freeze Warnings

 If a frost or freeze warning has been reported, this means that temperatures under 32 degrees Fahrenheit are expected in the forecast. With driving conditions like this, look out for patches of ice that may make the roadway slippery, as these could easily cause an auto accident.

 Winter Storm Watch

 If you see a winter storm watch in the forecast, this means that there is a possibility of a winter storm in your area but that it is not a definite. If you will be out driving, be aware that a storm could develop and take that into account if you are planning a long distance drive or a drive on heavily-trafficked, windy roads that are already hazardous on their own.

 Winter Storm Warning

 A warning is a step up from a watch; in this case, a storm is either occurring or will soon be occurring in your area. Car insurance rates may increase if you are involved in an auto accident due to winter weather, so avoid driving when there is a winter storm warning unless absolutely necessary.

 Winter Weather Advisory

 A winter weather advisory is a good excuse to stay at home rather than venturing out on the roads; it means that the winter weather, whether snow or ice, is expected to cause significant danger and inconvenience to drivers on the road.

 Blizzard Warning

 The most serious of the winter weather warnings, a blizzard warning occurs when there are winds gusting to 35 miles per hour or greater and snowfall is restricting visibility. You should NOT drive during a blizzard warning. The potential risks are far too great, and an auto accident suffered in a blizzard may do far more damage than simply increasing your car insurance rate.

Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

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Holiday Home Safety: Keep Your Insurance Premium Low

Thursday, December 18th, 2014

Tis the season for sleigh bell ringing, carol singing, and enjoying quality time with family and friends! The holiday season is well upon us, and many people will be putting up beautiful decorations to celebrate. But when those beautiful decorations include candles, as they so often do, you potentially put your home at risk for fire damage. In order to avoid any danger and keep your home insurance premium affordable, follow these holiday safety tips for dealing with lit candles!

Candle SafetyPrevent Fire Damage With These Candle Safety Tips

Candles make a lovely addition to your festive décor, but unlike glittering ornaments and satin ribbons, they require a little extra attention to ensure that they are safe. First and foremost, know that if you are going to have candles lit in your home, you should only light them in occupied rooms. An unattended candle might fall over or catch something nearby on fire and cause thousands upon thousands of dollars in fire damage- all which might have been prevented if you had simply kept an eye on it!

Another holiday home safety tip for dealing with candles is to ensure that they are kept out of reach of children and pets. Even if a child cannot reach a candle, having it on a table that they might easily bump into is just as risky. Your insurance premium could skyrocket if you have a fire in your home that was caused by your own negligence; keep candles where only adults have safe access to them.

Also regarding the placement of your candles, remember that nearly 56% of home candle fires are cause by a candle catching light on something that was too close to its flame. No matter how pretty a candle may look sitting next to an evergreen sprig or paper snowflakes, know that these combustible materials could easily catch on fire and thus pose a high rise to your holiday home safety. Keep candles away from areas with many combustible materials.

Keep your home insurance premium affordable when you follow these candle safety tips this holiday season!

Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Throwing a Holiday Party? Know these Liability Policy Facts!

Tuesday, December 9th, 2014

The holiday season can be hectic enough without having to worry about your insurance. Nevertheless, it is important to know the extent of your coverage; after all, it not only applies to you, but in some cases to the guests you will be welcoming in to your home for holiday parties! To make sure that your liability policy encompasses everything you need, read on to find out a few must-know insurance facts.

liability policyHow Does My Homeowner’s Liability Policy Relate to Holiday Guests?

You may believe that your liability policy only pertains to you and your home, but that may not be the case. There are many different minor accidents that could occur in your home that should be covered by your homeowner’s insurance. Icy weather, for instance, might lead to a guest falling and injuring themselves on your porch. You could also be responsible for another type of injury, such as food poisoning resulting from the dishes that you serve at your party. Even if your dog were to bite someone, this would constitute an at-home accident and would be covered under your liability policy- or at least it should be. Check with your insurance agent to verify that you have the liability coverage you need so that you are not caught off-guard in an emergency situation!

Look Out for Your Guests’ Safety

Your liability as far as a holiday party goes can extend beyond these kinds of minor at-home accidents. As a host, it is one of your responsibilities to ensure that guests are in a fit state to drive home once the party is over. Drunk driving has been shown to be a contributing factor to nearly a third of all car accidents, and at a holiday party the chances someone will overindulge and potentially endanger themselves in this way are heightened. While you may not necessarily be liable for someone once they leave your home, you should still do everything you can to keep your guests safe. Arrange for a designated driver, have nonalcoholic beverages available, and even offer for guests to spend the night until it is once again safe for them to drive.

Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

Erie Sense

Does an Older Car Mean a Lower Insurance Payment?

Friday, December 5th, 2014

When it comes to your car insurance policy, there are a lot of different elements that play in to the final rate you pay. While your driving history and the type of car itself are contributing factors, one factor that many overlook is the age of your car. People naturally expect there to be a correlation between “younger” cars and higher prices, but is this always the case? Read on to find out more.

car insurance Older Cars Do Not Necessarily Mean Lower Payments

Many people who are looking to buy a new car hesitate because they worry not only about the additional expense of the car itself, but also of higher insurance payments. As a result, they try to keep using their older car for longer. While there is nothing wrong with this, provided that the older car is still running properly, it is a decision based on a not-quite-true assumption that your new car will bring with it a pricey insurance policy. Newer cars may have a higher value, but they also have features that improve its overall safety, such as back-up cameras and distance sensors. A car that is considered safer, even if it is brand new, might ultimately have a lower insurance policy than an older car without these precautionary elements.

An older car might have proven itself to be reliable over the years, but age will eventually take its toll and potentially make that car more susceptible to break downs or even accidents, making it a more expensive vehicle to ensure. While the decreased value of the car can help mitigate insurance costs, it is no guarantee that it will be any more affordable to insure that car than a new one.

Ultimately, more than the relative oldness or newness of your car, your safety as a driver is the most important factor in determining your insurance costs. A safe driver with a clean record will likely find their insurance payments are kept to a minimum, regardless of what car they drive.

Looking for someone to discuss your car insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

 

Source: http://www.eriesense.com/insuring-old-cars/#.VH3rTTHF8cA