Archive for February, 2015

Car Insurance Tips: Extending Your Car’s Life

Friday, February 27th, 2015

When it comes to keeping your car insurance payments at a reasonable rate, buying a brand new car is probably not the best move. Newer cars generally boost your insurance premium, not to mention it can take you a while to fully adjust to your new set of wheels. By extending the life of your high-mileage car, however, you can avoid both of these issues, all while saving major money in the process! Read on to learn how to take good care of your car and get more miles out of it.

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Car Accident Prevention: Drive Safely in a Whiteout

Thursday, February 19th, 2015

Winter driving conditions are often less than ideal. Ice, snow, slush, and freezing rain can all make for slippery roadways and limited visibility, which in turn can lead to serious car accidents. A car accident, apart from simply being dangerous, has another consequence: it can cause your car insurance rates to rise. To avoid this cost, and to keep yourself safe this season, read on to learn some safety tips for driving in one of the riskiest driving conditions: a whiteout.

whiteoutHow to Drive Safely and Avoid a Car Accident During a Whiteout

A whiteout occurs when strong winds are gusting and they blow snow through the air, greatly reducing visibility. If you are caught out on the road during a whiteout, follow these tips in order to stay safe.

1.)    Reduce Your Speed. Anytime you are involved in a high-risk driving situation, one of the best things to do is to slow down. By reducing your speed, you increase the amount of time you have to respond and lower your chances of skidding or slipping.

2.)    Use Your Headlights. Headlights not only increase your own ability to see, but they also give other drivers on the road an indication of where your car is. Be sure to use foglights or low beams in this situation; high beams will only make seeing more difficult.

3.)    Forgo the Radio. During a whiteout, your attention should be focused entirely on the road. Avoid distractions like your phone or the radio; you can check in with the weather report, but don’t waste time switching from station to station.

4.)    Easy Does It. If you find yourself sliding or suddenly off the road, your immediate reflex might be to quickly turn the wheel or break. Quick movements, however, have the potential to cause more harm than good. Proceed slowly and carefully to avoid a car accident.

5.)    Keep to Your Lane. Changing lanes or passing vehicles during a whiteout is a bad idea, as your visibility is already very low.

To avoid a car accident and the costly consequences to your insurance, follow these whiteout safety tips!

Get in touch with Wachter today for more information about car insurance!

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:

http://www.eriesense.com/driving-in-a-whiteout/?utm_source=thisweekaterie&utm_medium=email&utm_campaign=twae021715_40595&utm_content=22957752&utm_term=_40595_40602#.VOSo8_nF8cA

Winter Vacation Away? Follow These Home Safety Tips!

Wednesday, February 11th, 2015

In the face of the cold temperatures and nasty weather, many homeowners decide to do what the birds do and fly south for the winter! Migrating to a warmer vacation spot during these dreary months can be a good way to get some much-needed sun, but are you leaving your home undefended in the process? Follow these essential home safety tips before you venture out on a winter vacation.

winter-vacation-safetyHome Safety Tips for Vacationers

When you leave your home unattended for weeks on end, you may leave it vulnerable to break-ins, damages, and other unforeseen circumstances that will end up costing you. By following these tips, however, you can rest assured that you will return from your vacation to a home just as you left it.

1.)    Lock all doors and windows. While homeowners typically remember to lock the front door, side doors, exterior basement doors, and windows often go neglected. Double-check before you leave to ensure no points of entry are left unlocked.

2.)    Unplug your electronics. If left plugged in, not only will electronics such as laptops, phone chargers, and hairdryers continue to use up electricity, but they can also pose a fire hazard. Do a run-through of your home and unplug these items before you head out.

3.)    Put a hold on your mail deliveries. If your mail, newspapers, and packages start to pile up, it may indicate to potential intruders that you are not at home. You can either elect to put a hold on your deliveries while you are away or ask a neighbor or family member to bring mail inside and to check up on the house in the process.

4.)    Take note of valuables. If you have an extensive collection of valuables, photograph and log them in a list. If anything does happen while you are away, you will be able to file an insurance claim more easily with these handy references.

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.

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Source:

http://www.eriesense.com/safety-tips-for-snowbirds/?utm_source=thisweekaterie&utm_medium=email&utm_campaign=twae021015_39365&utm_content=22957752&utm_term=_39365_39375#.VNo25fnF8cA

Can Radon Be Covered by a Home Insurance Policy?

Wednesday, February 4th, 2015

When people think of toxic chemicals in their homes, they typically consider carbon monoxide as the biggest threat. But focusing on that alone leaves homeowners blind to another potential danger: radon. Radon is a radioactive gas that occurs naturally as certain elements decay, and prolonged exposure to radon can cause a host of health problems, including lung cancer. Read on to learn more about radon and whether or not it is covered by your home insurance policy.

radonHow Can Radon Enter My Home?

Because radon is a gas, it can enter your home in any number of ways: through cracks in the foundation, pipe openings, well water, etc. If you are experiencing issues with radon in your home, you are not alone; approximately 1 in 15 American homes have high radon levels. Despite the relative normality of radon presence, it is still vital that it is removed before it can cause damage to your health and your family’s.

Conducting a Radon Test

The only way to identify high levels of radon in your home is by conducting a radon test. The gas itself has no appearance, odor, or taste, so it cannot be identified by human senses alone. Special devices are made to detect radon on both short- and long-term scales. If excessive levels of radon are detected, then your next step is have it removed.

Removing Radon from Your Home

As radon is a gas like any other, it can be removed through ventilation. While increasing the ventilation in a radon-heavy area is one solution for short-term reduction, those homeowners who are concerned about radon exposure can buy a radon-reduction system, which is designed to eliminate almost all of the excess radon in your home.

Many homeowners wonder whether or not radon and the damages caused by it are covered by their home insurance policy. Most home insurance policies are geared towards protecting homeowners from unexpected accidents or events and the losses incurred from them. Radon, because it is a naturally-occurring substance, often does not fall under a typical home insurance policy. The best way to keep the costs of dealing with radon down is to inspect for radon early and often and to take immediate action if it is detected.

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:

http://www.eriesense.com/radon/?utm_source=thisweekaterie&utm_medium=email&utm_campaign=twae020315_39114&utm_content=22957752&utm_term=_39114_39121#.VNDl9WjF8cA