May 2013 - Susman
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Why I love condo insurance

So you have finally got the condo that you have been desiring to buy for a long time. You may have searched for a long time and in a wide variety of locations to find one that is just right for you. Now comes the task of insuring your condo just in case there is a loss that happens.

Condo Insurance at a Glance

  • Condo insurance is much like home insurance except the condo association will have a policy for the basic structure of the complex. This may be referred to as a master policy.
  • Usually the owner is responsible for repairing from the studs in case of a total loss.
  • The owner will have to buy a condo policy to cover not only the inside of the structure but also their own belongings
  • The owner must also choose how much liability amount they need in case of a lawsuit.

Make sure to get the right kind of policy for your condo. After all, you do not want to have live in a house with no drywall or floor coverings. The reason why condo insurance is loved by a lot of people is because it takes care of repairing a persons home when nothing else will.

Why I Love Renters Insurance

When I first started renting, I assumed the property owner provided all the insurance to protect my area. All the property owner insures is their apartment complex against damage.

I have to ensure my personal belongings. This includes all of my electronics and kitchen appliances. This also covers my expensive shoe collection and clothing. To make a long story short, my policy covers everything I own and have in my apartment.

This is a good thing because I have come to distrust my neighbors. I do not want to come home from work some day and find many of my things stolen.

I must have liability coverage in case someone who comes to see me and is injured on the property. I have put myself at risk by renting an apartment, because of other people in my complex. I cannot trust that my apartment neighbors live safely and do not risk my possessions by doing stupid things. I bought a good renter’s insurance policy to secure my possessions and keep me safe.

After I took pictures of all my expensive possessions with the date and amount I paid, I can now rest in the fact that they will be replaced if damaged or stolen. Do not risk your property. If you rent, buy renter’s insurance. You will love your renter’s insurance as much as I love renter’s insurance.

Why I Love Homeowners Insurance

Most of us are insurance to death and hate insurance. However, I am one that loves my homeowners insurance and so does my mortgage corporation. My mortgage company will not let me have my home if I do not have protection on my house. This is the only way they are going to get their Almighty Dollar back that I loaned from them if some unfortunate circumstance destroys my house.

I have charged too many possessions to risk having them destroyed in a fire or by an act of God before I get my charge cards paid off.

Little did we know that when we bought our home we had some shady characters as neighbors? I am glad that our home protects us from break-ins and theft.

The zone we bought our home in is also in an area that is frequented by weather calamities, like a tornado and flood zone. There are no worries for us because we have a flood and wind endorsement on our homeowner’s policy.

One neighbor we have brags about all the lawsuits he has won. A slip and fall accident by him on our property would not be good news. Our homeowner’s protects us from injuries on our property.

I love my homeowner’s insurance. It gives me peace of mind and security for all mishaps.

Why I Love Auto Insurance

The principal reason that I love auto insurance is I do not like penal colonies. I have never been in a house of detention, but I can just presume what it might be like. Most states have grave punishments for driving without auto insurance. There are stiff penalties, possible jail time, license suspensions and none of the consequences of driving without auto insurance are good.

Driving without auto insurance and being involved in a road accident is not good news, particularly if it was your fault. Even if, it was not your fault, an accident can destroy your life in every way, and turn your world upside down.

Some day the government may decide that they need to enact a tax on auto insurance. At the present time, we can delight in one of the few things in life that are tax free.

Given the right endorsements in your auto insurance policy, will bail out you out of an accident or highway breakdown and deliver your gas when your fuel tank reads empty, even though it was your mistake. It will tow your vehicle to a safe destination if you have a towing endorsement.

Do not go without auto insurance, never, ever! The risks are too high. This is why I love auto insurance.

Catastrophe Response

Catastrophe Response

Ready to help you and
your neighbors immediately

When disaster strikes you need claim support that’s fast, effective and reliable. At Travelers, we make sure we’re there whenever and wherever you need us, helping you recover quickly and get back on your feet.

  • Travelers has hundreds of specially trained catastrophe response experts throughout the country who are prepared to deploy to a disaster site in 24 hours or less, ensuring we’re ready to help wherever and whenever a catastrophe strikes. Our Enterprise Response strategy enables us to deploy additional claim professionals and support staff from other offices across the country. Learn more »
  • Customers can report losses any time, day or night, online or via our call centers.
  • Our mobile claim offices—custom-built RVs—travel directly to affected communities, so claim specialists can immediately respond to your needs. Once on site, they’ll help you file your claim and plan next steps .
  • Our catastrophe management center allows us to coordinate response activities in a controlled environment away from the disaster area.

Pool safety

Pool safety

Every year about 43,000 people are injured in and around swimming pools and more than 600 people drown in home or public pools. Half of the pool fatalities occur in the yards of single-family homes. Here are some pool safety tips you
should follow:

  1. Never leave small children unsupervised—even for a few seconds.
  2. Put fencing around the pool area to keep people from using the pool without your knowledge.
  3. Keep children away from pool filters, as the suction force may injure them or prevent them from surfacing.
  4. Be sure all pool users know how to swim. Learners should be accompanied by a good swimmer.
  5. Don’t swim alone or allow others to swim alone.
  6. Check the pool area regularly for glass bottles, toys or other potential accident hazards.
  7. Keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
  8. Don’t allow anyone who has been drinking alcohol to use the pool.
  9. Stay out of the pool during rain or lightning storms.
  10. Never dive into an above-ground pool, and check the water depth before plunging into an in-ground pool. Keep clear of the area near a diving board.
  11. Don’t swim if you’re tired or have just finished eating.

Source: Insurance Information Institute; www.iii.org

Lawnmower safety

Lawnmower safety

Each year, approximately 75,000 people are injured seriously enough by lawnmowers to require emergency room medical treatment. Only a small percentage of the injuries are caused by mechanical failure; most are the result of human error.

Here are some tips to follow before and while mowing your lawn:

Become familiar with your mower.

Read the owner’s manual before using the mower for the first time. Note all safety and operating instructions. Learn the controls well enough to act instantly in an emergency and to stop the machine quickly.

Proper clothing is essential to protect your body from harm.

Always wear non-slip shoes instead of tennis shoes or sandals. Steel-toe safety footwear offers the most protection against the blade. Long pants help protect your legs from objects that may be thrown from under the mower. Use ear plugs to prevent hearing loss caused by exposure to the high noise levels.

Never leave a mower running unattended.

A mower left running unattended can be fascinating to a child. If the mower has an electric start, the key should never be left in the ignition.

Always start the mower outdoors.

Never operate a mower where carbon monoxide can collect, such as in a closed garage, storage shed or basement.

Police the area.

Before you start mowing, be sure the lawn is free of tree limbs, rocks, wires and other debris, which can get caught up in the blades.

The main source of danger is the blade.

To perform its task efficiently, the mower blade must be sharp and travel at a high speed. If a hand or foot gets under the mower while the engine is running, it can cause serious injury. Never attempt to unclog or work on a lawnmower while the engine is on.

Disconnect the sparkplug wire.

Any time it is necessary to reach under the mower, disconnect the spark plug wire to ensure that the engine cannot start. It takes a little extra time, but not as long as it does to recover from a serious injury.

Check for frayed or cut wiring.

When using an electric lawnmower, wires can easily get cut by the blade. Keep an eye on the wiring as you move the mower and check for frayed or cut wiring every time you mow.

Source: Insurance Information Institute; www.iii.org

Prepare for a weather emergency

Prepare for a weather emergency

Preparing For Winter Emergency

What to do before a storm
What to do after a storm

What to do before a storm

Protect your property

  • Ensure that your property is protected to the fullest extent possible:
    • Install storm shutters in wind-prone areas.
    • Secure or store outdoor furniture and loose items.
    • Trim tree branches that are close to the structure; remove dead trees or limbs.
    • Reinforce garage doors.
  • Inspect and replace caulking and weather stripping around doors and windows.
  • Be sure you have a copy of your insurance policy and an inventory of the property and contents in a safe place.

Protect Yourself and your Family

  • Be sure you have these items on hand:
    • Battery-operated radio and flashlights with fresh batteries.
    • Supply of bottled water and non-perishable food.
    • Blankets and clothing.
    • First aid kit and any necessary prescription medications.
  • If you’re in an area prone to power outages, consider purchasing an auxiliary generator.
  • Familiarize yourself with evacuation routes, and if asked to evacuate, do so.
  • Be certain your car is in good working order and the tank is full.

What to do after a storm

  • Make sure all family members are safe. Listen to the radio for public service announcements. If evacuated, do not return to your home until authorized to do so. If at home, wait for the “all clear” announcement before venturing outside.
  • Don’t touch downed power lines; assume they are live no matter how long they have been down.
  • Check for gas leaks. If you smell gas, leave immediately and call the utility company from a neighbor’s house.
  • Don’t try to move large trees or branches that have fallen on your home. You could hurt yourself and possibly increase the damage to your home.
  • Cover broken windows or holes in walls or roofs to prevent further damage.

Are there any common misconceptions about tornadoes?

Are there any common misconceptions about tornadoes?

Do not open a window to try to “equalize the pressure.” Doing so may actually pressurize the house and can cause the roof to be torn off. Also, understand that tornadoes are not always visible from a distance; rely on a weather radio as an information resource. Although tornadoes are usually spawned by thunderstorms, they have been known to occur without lightning. They can cross a river or another body of water. Finally, tornadoes are not confined to “tornado alley.” Tornadoes can occur anywhere, at any time.