Glascock & Meenan Insurance

7 Tips to Prevent Your Pup from Becoming a Liability When Renting

PIPPA ELLIOTT

Finding a decent rental property isn’t easy, and it’s especially hard when one of your family is four-legged. Owning a dog earns you the cold shoulder from many prospective landlords. And even if you strike it lucky and find a great place that allows you to keep the whole family together, your dog may become a hidden liability.

Did you know that if visitors are injured by your dog while on your rental property, you can be held liable for their medical, surgical, and legal bills, plus covering their loss of earnings? Scary isn’t it? To make matters worse, insurance companies that once offered this kind of financial protection as part of renters insurance are wising up to the risk and some are no longer providing coverage. This could mean you are in the unenviable position of thinking you have coverage, when according to the small print, you don’t.

You’re looking for an ideal place to rent: in a safe neighborhood, near a good school, and with a yard out back. After weeks of searching you find it. So how do you convince the landlord that your four-legged friend is really Mother Teresa wrapped in fur? The answer is to think like a landlord and ask yourself what worries him. Read More

Finding the Best Commercial Auto Insurance

(Because your business is going places)

Chances are your business doesn’t operate on magical teleportation travel yet. It requires the use of a commercial vehicle to transport your things and stuff like employees and equipment. With every trip comes the risk of accidents, injury, traffic violations, property damage, loss/theft and lawsuits.

That’s why it’s important to know about the different types of commercial auto coverage available. Our independent insurance agents are here to eliminate the hassle of searching on your own by walking you through a handpicked selection of top policies for you.

What is Commercial Auto Insurance?

Commercial auto insurance protects any vehicles used for business purposes against property damage and liability. This includes injury to your employees, passengers, and other people/properties involved in an accident with a company vehicle.  Read More

Have You Talked to Your Pets Lately? There’s an App for That

JENNIFER DIGIOVANNI

Have you ever wondered who’s really responsible for all those socks and shoes that go missing while you’re at work? Thanks to a wide array of new products leveraging home security technology, your question may finally be answered. For example, one new product, PetChatz, appeals specifically to pet owners by allowing users not only to monitor their pets’ activities, but also to speak to them and feed them a treat with the push of a remote button.

In the past few years, the home security field has changed dramatically with the advent of new monitoring and automation technology. Rather than using phone lines, new systems connect over wireless networks to meet the needs of pet owners, parents, frequent travelers and those who have nannies or other employees coming and going in their home. Today’s home monitoring systems connect in-home webcams to your laptop or smart device, allowing you to check on your pets from a remote location. Plus, in addition to home monitoring, you can lock and unlock doors, control the air conditioning and communicate with those you’ve left behind.

Integrated Systems Combine Security Monitoring and Home Automation

The most recent residential security systems are highly customizable and focused on home automation. If you’re sitting in a work meeting and suddenly realize you forgot to turn off your lights at home, you can put your mind at ease by simply checking an app on your smart phone. You can also accomplish simple tasks such as raising or lowering your home’s temperature or remotely locking your doors. Some companies allow you to personalize a security platform and control everything from the opening of your garage doors to climate control to monitoring persons or pets via an app on your smart phone. And many systems now come with motion control sensors that will send you an alert message in the event that someone does try to enter your house. Alarm.com even sends you an alert if something doesn’t happen according to plan – like your child doesn’t arrive home from school within a set time period.

Add New Features to an Existing Home Security System

If you already own a centrally monitored security system, talk to your provider about adding expanded features to increase home automation. In addition to security monitoring services, systems like the new ADT Pulse give homeowners the ability to lock and unlock doors, control the temperature from a remote location, and receive notifications when a smoke or carbon monoxide alarm triggers. With proper placement of web cams, home security technology also increases your personal safety by allowing you to see who’s knocking on the door before you decide to answer. Read More

The Car Insurance Cheat Sheet

(The nuts and bolts of finding the right coverage)

MAGGIE TIEDE

It doesn’t matter if you drive a rust bucket or luxury four-door, your car is probably one of the most important/priciest things you own. Yet instead of guarding it with your life, you drive it at high speeds on an obstacle course full of unpredictable hazards and bad drivers. And like it’s no big deal. Crazy, right?

Since most drivers don’t bubble wrap their cars, car insurance is the most logical AND practical way to protect your vehicle. Our independent insurance agents will walk you through a sweet selection of policy options to make sure you have the right coverage.

What Is Car Insurance?

In short, it’s a contract between you and an insurance company. The insurer will help you recover financially from a number of scenarios that involve bad things happening to or caused by your car. Bad things can range from medical expenses to roadside assistance.

Why Do I Need Car Insurance?

In almost every state, it’s illegal to drive without car insurance. Every state has a minimum of liability coverage that is legally required. If you don’t have it, you could be fined. If you make a habit of getting caught without it, you could end up in jail.

The other good reason to have car insurance is consistency. It’s easier to pay monthly or quarterly premiums than to swallow the sudden cost of a bad accident. Unless you have an emergency stash of cash lying around, you should get yourself covered. Read More

Winter Flooding: Know Your Risk and How to Prepare and Respond

Kathy Simpson

 

When most people hear the word “flood,” they think of rivers overflowing their banks in the springtime and of tropical storms that thrash the Atlantic and Gulf coasts in late summer and early fall. But flooding is a year-round risk that doesn’t end when winter arrives. Across the country, winter is a season of heavy snowfall, rapid snowmelt and intense rainstorms that can lead to flooding — and put property and lives in peril.

The winter months of 2018 were a case in point when many areas of the country experienced unusually severe flooding.

The East Coast faced not one but two historic “bomb cyclones”— a catchphrase used to describe a strong low-pressure weather system that intensifies rapidly. The first storm pummeled the East Coast in early January, dropping snow from Georgia to New Brunswick, with Boston bearing the brunt of the impact in the Northeast. Seventeen inches of snow fell on the city, and a storm tide reaching over 15 feet flooded the downtown area, submerging roads with icy water and forcing some people to evacuate their homes. The second storm on March 2 also brought hurricane force winds as well as heavy rains to coastal New England, once again submerging Boston streets and those of nearby towns in floodwaters.

Also in January, torrential rain caused flooding in the west, including Southern California, which led to the death of at least 21 people, and coastal towns in Oregon and Washington. Unusually heavy rains inundated parts of Las Vegas and the surrounding valley, which until that point had been experiencing record drought.

In February, a combination of rainfall and rapid snowmelt in the Midwest brought many rivers from Chicago to Houston to flood stage. The Grand River in Grand Rapids, Mich. reached above 20 feet, more than two feet higher than flood stage. States of emergency were declared in 17 counties along the Ohio River due to high water and storm damage.

Causes of Winter Flooding

Winter flooding is a countrywide risk, but its cause depends on where in the country you live.

Along coastal areas, including the Great Lakes, storms bearing snow, heavy rains, and strong winds can cause water levels to rise, which can lead to flooding and beach erosion, especially when the storm’s arrival coincides with a high tide. The East Coast is particularly susceptible, where storm systems known as nor’easters — large, low-pressure areas whose winds come from the northeast — can lead to coastal flooding from the Mid-Atlantic states to the Northeast. Nor’easters occur every year, but climate models are showing an increase in extreme precipitation during the winter across the Northeast and a corresponding increase in the potential for flooding. Read More

Valuable Items Blanket Coverage: Lavish Gifts Deserve Protection as Special as They Are

Mike Kelly

The most valuable possession that you own is probably your home. It’s also one of the most vulnerable. Weather accidents, floods and property mishaps can easily damage it. But it’s not just the outside structure of your home that’s so valuable. Your contents and possessions inside it also require unique coverage.

Valuable Items Blanket Coverage protects your personal, valuable items by your basic homeowner’s policy. Valuable Items Blanket Coverage can add a layer of protection that can help protect items such as jewelry, electronics, dinnerware and more.

What is Insurance for your Valuables?

Most renters, condo, and homeowner insurance policies will cover personal property anywhere in the world. This can include items such as furniture, clothing, and appliances. But your basic policy may have some restrictions when it comes to valuable items that are stolen. Jewelry, furs, silverware, and firearms are covered for the named perils (such as fire, lightning, explosion, riot, vehicle or aircraft damage) in the policy up to the contents (Coverage C limit) except when it comes to theft.  The basic policy only provides up to $1,500 theft coverage for jewelry, watches or furs, $2,500 for theft of firearms, and $2,500 for theft of silverware.   In order to have more theft coverage, a different endorsement is needed.  When you buy this extra coverage, you not only get more theft coverage, but you also get coverage for more causes of loss such as breakage or lost (mysterious disappearance). Read More

Do You Have Any of These 10 Home Fire Hazards Where You Live?

Emily Guy Birken

Most homeowners know the drill for reducing the risk of a house fire: They keep a smoke detector on each floor and make sure they are all in good working order at least twice a year. They closely monitor cooking, candles, and wood stoves and fireplaces, and refrain from smoking indoors. They keep matches and lighters stowed away where children cannot reach them.

Although all of these precautions are an excellent start for promoting fire safety at home, they don’t necessarily protect you from all of the fire hazards that could be lurking in your home. Here are 10 fire hazards you might not realize are in your home, and how to safely use, store, or dispose of each item to reduce the risk of fire.

1. Worn Electrical Cords

The electrical cords on any appliances that you frequently move—such as your vacuum cleaner or power tools, or even your laptop—can end up taking a great deal of abuse. Although power cords have no expiration date, they can wear out over time as they are used and abused.

For instance, the insulation around the power cord can wear away, either from the cord’s overheating or through misuse. If you’ve ever been guilty of pulling the vacuum cord out of the outlet by the cord itself rather than the plug, you may have weakened the insulation that surrounds the electrical cables. Similarly, electrical cords that run through high-traffic areas may lose their insulation as they are repeatedly trod on, and cords that get caught or pinched between heavy furniture can see the same kind of damage.

But cords that have lost their insulation can potentially electrocute you, not to mention the fact that they are a serious fire hazard.

How to Protect Your Home

If any appliances or extension cords in your home get hot to the touch or show signs of wear, do not use them. You can recycle worn extension cords at your local Best Buy, and you can find safe and environmentally friendly ways to dispose of old appliances through the EPA’s Responsible Appliance Disposal program.

You can prevent your cords for wearing out in the first place by keeping cords out of the path of any foot traffic, not forcing cords into spaces that may pinch or crimp them, and never using staples or nails to attach cords to a baseboard or wall. Read More

3 Tips for Prepping Your Boat for Winter

Now that autumn is upon us, it’s time to think about preparing your boat to brave the winter. By taking these steps, you can help ensure that your vessel will be ready for a new boating season next spring.

1. Think ahead. Winterize and be ready for next year.

Clean the boat thoroughly inside and out. Make sure all surfaces are dry. Inspect engine components. Spray cylinders with fogging oil to prevent corrosion. Top off the gas tank and change the oil. Flush the coolant system. Add antifreeze. This will help ensure your boat is ready when it’s time to get back on the water.

2. Choose the right storage facility.

Minimize the boat’s exposure to the elements. If feasible, remove the boat from the water. Place a tight fitting but vented cover or shrink wrap over the boat to keep out moisture. Store the boat on its trailer or another support system outside or in a covered or enclosed secure boat self-storage unit. Better yet, store it indoors on a dry rack or in a climate-controlled building. Read Full Story

It’s Turkey Time! The Benefits and Drawbacks of Eating Turkey

Roasted Turkey Breast.

This Thanksgiving, there’s a lot to be thankful for. And if you’re one of the 250,000,000 people in the United States who will be gobbling down some turkey, there are some important health facts you should know. So before you give thanks and plate up your meal, learn the pros and cons of eating what was almost proclaimed the United States’ national bird.

It’s Turkey Time! The Benefits and Drawbacks of Eating Turkey

Michael Kelly
Turkey is a great source of protein! In fact, there are 32 grams of protein in a 4-ounce serving. That’s almost 65% of the recommended daily intake of protein for the average person.
Turkey contains trace minerals that are thought to aid in cancer prevention. One of these minerals is selenium, which is essential for thyroid and immune system health.
Phosphorus is used by your body to build healthy teeth and bones. It also plays an important role in processing carbs and fat. Fortunately, turkey contains around 200 milligrams per serving. Read More

20 THANKSGIVING FUN FACTS THAT WILL TOTALLY IMPRESS THE KIDS

BY KIM GRUNDY

Did you know that turkey wasn’t even served at the first Thanksgiving and that the Pilgrims didn’t use forks because they weren’t invented yet? Impress your kids (and the in-laws!) with these crazy, yet true, fun facts about Thanksgiving!

On the fourth Thursday in November, families across the U.S. gather to feast on turkey, watch football and gear up for Christmas by looking for Santa during the Macy’s Thanksgiving Day Parade, but did you ever wonder why these Thanksgiving traditions started?

Impress your family with these Thanksgiving Day facts:

  • The first Thanksgiving was held in the autumn of 1621 and included 50 Pilgrims and 90 Wampanoag Indians and lasted three days. Many historians believe that only five women were present at that first Thanksgiving, as many women settlers didn’t survive the difficult first year in the U.S.
  • Thanksgiving didn’t become a national holiday until over 200 years later! Sarah Josepha Hale, the woman who actually wrote the classic song “Mary Had a Little Lamb,” convinced President Lincoln in 1863 to make Thanksgiving a national holiday, after writing letters for 17 years campaigning for this to happen.
  • No turkey on the menu at the first Thanksgiving: Historians say that no turkey was served at the first Thanksgiving! What was on the menu? Deer or venison, ducks, geese, oysters, lobster, eel and fish. They probably ate pumpkins, but no pumpkin pies. They also didn’t eat mashed potatoes or cranberry relish, but they probably ate cranberries. And no, Turduckens (a turkey stuffed with a duck stuffed with a chicken) was nowhere to be found during that first Thanksgiving. Read More
From THE BLOG
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  • Finding the Best Commercial Auto Insurance
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  • Have You Talked to Your Pets Lately? There's an App for That
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  • The Car Insurance Cheat Sheet
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  • Winter Flooding: Know Your Risk and How to Prepare and Respond
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  • Do You Have Any of These 10 Home Fire Hazards Where You Live?
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  • 3 Tips for Prepping Your Boat for Winter
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  • It’s Turkey Time! The Benefits and Drawbacks of Eating Turkey
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