Insuring Family Heirlooms—from Generation to Generation
Some of the most valuable things in life aren’t those that were expensive—they are things that are truly unique. Like the old grandfather clock that sat in your ancestor’s living room to the family ring that has been a part of more weddings than you have, these family heirlooms are the foundation of our own backgrounds and characters, and can be—quite literally—irreplaceable. For that reason alone, you should make sure you are doing what you can to take care of them—including insuring them in case of loss, theft or damage.
What is considered a family heirloom?
While the word “heirloom” brings up ideas of art passed down for generations, or a piece of priceless jewelry, the reality is that an heirloom is anything of value that is passed down from generation to generation. Practically, this means that everything from furniture, clothing, serving ware, textiles and more could be considered an heirloom. As such, any of these things can be worth insuring, if they are valuable enough for your family.
What kind of insurance will I need to insure an heirloom?
There are a few different types of insurance that may cover an heirloom, depending, of course, on what the heirloom is. Homeowners insurance may cover items within the home, but generally will not recognize the inherent value of a specific thing, so typically you will be looking at more specialized policies. Other options are personal property insurance, which focuses coverage on a per-item basis. At Penny Insurance, we offer Valuable Items Insurance, which takes into consideration the value you place on an heirloom item.
When in doubt, it’s best to consult your insurance agent for guidelines on what can be insured and for how much. Even if they won’t cover it, there is a great chance they will know who will.
How do you insure a family heirloom?
Insuring the most precious of items isn’t hard—even though there are a few things you’ll need to do to get everything in order. Here is a step-by-step process for getting your family heirlooms insured.
1. Locate and List
What do you consider a family heirloom? Is it—practically—worth insuring? Do your due diligence and determine what pieces you would like to insure—from artwork to jewelry or even grandma’s vintage recipe book. Once you have compiled all the information you can, you’ll need to find out what it’s generally worth.
2. Get an appraisal
While an appraisal can’t tell you how much you value grandpa’s old watch, it can give you a more complete picture of what you have to insure—the monetary value of the item, how old it is, and maybe even a bit of background information you didn’t have before. All of this information will be vital to have on hand as you meet with your insurance agent.
3. Work with your agent
Once you have all the information in place, schedule a time to sit down with your agent and go over the details of what you want to insure and for how much. They’ll be able to not only walk you through the process and the price, but often may also give you ideas on how to protect the item, or coverage options you should consider.
4. Keep them safe
While it’s great to have Aunt Cindy’s stole insured in case something happens to it, keep in mind that there is no compensation equal to that of losing something that held personal value for you, so you’ll want to make sure you keep your family heirloom as safe as possible. Consider how you will store and care for the item until it’s ready to pass down to someone else—and when you do, let them know how they can go ahead and protect and insure it, as well.
No matter what type of heirloom you want to insure, Penny Insurance is ready to help. Should you have any questions about coverage or insurance types, or if you would like to schedule a consultation or get a quote, please contact us and let us know.
Top 7 Questions to Ask your Insurance Agent
Insurance policies can range from the simple to the complex, but the more “things” you have covered the more facets there are to any policy. As your portfolio grows, you are sure to have questions about how policies interact, how much they cost, and what they cover. The best way to ensure you have a comprehensive understanding of your insurance coverage—from car, to home, life, and more—is to ask the questions vital to understanding each policy.
What questions should I ask my insurance agent?
There are a number of things you need to know when purchasing or re-evaluative your insurance policies, and although many will be specific to your own policies and needs, there are some standard things you should know, regardless of who your broker or insurer is, and what type of insurance you are considering. Consider these questions the next time you are scheduled to meet with your insurance broker:
1. What policies do you recommend?
It’s always good to rely on the expertise of an insurance broker, but make sure you know what policies they recommend for you—and why. Keep in mind that even with all the information they may have about you, there might be something they don’t know, so having a frank conversation about the policies themselves and what they cover is always a great first step.
2. What is the coverage?
As part of the policy discussion, you should know all aspects of what the policy covers, and more importantly, what it doesn’t. Make sure you know what persons or assets are covered in the policy, to what limit, as well as any gaps or limitations that exist.
3. What will the deductible be on this policy?
The other commonly-asked question is regarding the deductible—essentially, how much you will have to pay out of pocket should you need to file a claim. This is a number that you can adjust when initially purchasing the insurance policy, that may help make your premium more affordable; just make sure that you don’t sacrifice a low monthly payment for a deductible that is too high to cover, in case something happens.
4. Am I eligible for any discounts?
Oftentimes, an insurance company will offer discounts to their customers. These could show up as military discounts, renewal discounts, or even as multi-line reductions, which occur as you add multiple items or persons to your policy. To be sure you’ve covered all your bases, ask your insurance agent what discounts they offer in general, to see if you qualify for any of them.
5. Do I need any additional policies?
In the case that your coverage ends a bit shorter than you’d like, you may want to consider additional policies that cover them. Common policies you may include are gap insurance, which typically covers the difference between a car’s insured value and what you may still owe on it, or flood insurance, which offers additional protection on a residence that may sit in an area where flooding could be a concern.
6. What is the claims process like?
Because insurance is a “just in case” purchase, it’s hopeful to think that you may never need to file a claim, however, it would be short-sighted, as well. Walk through the process with your insurance agent—who would you contact, what documentation would you need, how long the process takes—to ensure that if trouble hits, you’re ready with a plan of action.
7. What is the premium?
One of the biggest questions most people have is this one: what will this cost? The premium—the recurring amount you pay (usually monthly, every six months, or once a year)—is the main cost you’ll have in keeping insurance, so it’s important to make sure it fits within your budget. You’ll also want to know the increase that may occur at renewal, if any. Remember that the premium price is affected by other factors such as coverage limits, exclusions and deductibles, so there are likely ways you can move things around to ensure your budget and your insurance coverage get along.
Whatever insurance policy you end up with, Penny Insurance has the experience and expertise to walk you through it all. Should you have any questions about coverage or insurance types, or if you would like to schedule a consultation or get a quote, please contact us and let us know.
Shopping insurance plans can be complicated—not only do you have to navigate all the different options, plans, and companies, but oftentimes you’ll have to translate those into real-world scenarios, and in the end not know if you are fully covered or not.
It’s for this reason that having an insurance agent is beneficial. Not only will you have a pro on your side to help you determine what coverage is best for you and your family, but you’ll also have someone by your side in case something happens and you need to take advantage of your insurance plan.
The first step in this process—before you even select an insurance provider, in many cases—is to schedule a consultation with them. In this initial meeting you’ll be able to ask questions, explore plan options and learn more about the company—and the agent—you are engaging to help you with this very important financial decision.
What should I plan on for a consultation meeting?
Once you’ve scheduled your consultation meeting, there are a few things that you should do in order to prepare for it, to take full advantage of your time with your (potential) agent. Here are a few things that you should keep in mind and get ready for your first meeting.
Do your research
Doing a bit of research is the first step to any meeting with your insurance agent, and the initial consultation is no different. You’ll need to be able to verbalize what pieces of your life you want to insure (home, cars, businesses or other property), as well as know what kind of coverage and/or how much budget you can put toward this risk mitigation. Fortunately, there are plenty of resources online to help you think through these questions and a number of calculators that can help you get a rough idea of how much coverage you can afford. Finally, research the company that you are meeting with. Do they provide all the different types of coverage you may need? What are their values? These things are important as you search for an insurance provider who will be a partner with you in your journey.
Build a list of questions
As you go through the research process, it’s bound to bring some questions to the surface. How are these two plans different? What would it cost if I increased this coverage, but not that? Should I move all our property to one company? All of these are questions that your agent can help guide you through to find a solution that matches your needs, but only if you remember to ask them. While you’re doing your research, keep a small notebook handy to catch all the things that come to mind, and take that with you to your meeting to ensure you get all the information you need.
Gather your paperwork
Before you meet, it’s important to have any relevant paperwork pulled together so that you can use the time together to move toward finding solutions, but this may mean you need to put a few things together, first. Here is a quick guide of things to get together, depending on the type of insurance you are considering.
Automobiles and Other Vehicles
- Drivers license and Social Security Number
- Automobile registration info
- Information about drivers (age, gender, driving record)
- Information about your vehicles (age, value, accident record, make, model, and year)
House or Apartment
- Age of home
- Foundation structure
- Additions (trampoline, swimming pool, alarm systems, new additions)
Health or Life Insurance
- Age/Gender of those covered
- Medical history and current conditions
- Personal habits (like smoking)
- Debt and Income (for life insurance)
- Risk assessment
- Number of employees and type of work
- Property, including building, equipment, and lease or own status
- Type of business (to determine liability or risk)
- Key Employees (what employees does the company want to cover?)
Consider service, not just price
While a lot of your first meeting may focus on price and the details of your coverage, make sure you are also considering the service you will get as a customer. How do their claims processes work? Will an agent be available to you for any questions along the way? How easy is it to change coverage in case of a shift in your needs? All of these things—and how they are answered—will help you determine if that specific agency is a good fit for you as a client.
No matter what type of insurance you are considering, Penny Insurance is available to you as our next customer. Should you have any questions about coverage or insurance types, or if you would like to schedule a consultation or get a quote, please contact us and let us know.
When it comes to insurance agencies, there are big insurance companies, and then there are places like Penny Insurance. The big difference between us and them is that we’re an independent insurance agency. We’re smaller, but we work with the big companies to provide insurance to our clients.
Whether you’re covered by a larger, prominent insurance agency or a small, local one like ours, there are some things you should know about independent insurance agents.
The Truth About Independent Insurance Agencies
They know you.
Independent insurance agents make it their job to connect with you on a personal level. They’re equally as invested in your life and your goals as they are in your insurance premiums.
When you call an independent insurance agent, you can actually expect them to pick up the phone because they’ll probably give you their direct line on day one. You don’t have to navigate a phone tree to find the right department and a qualified person to answer your questions. Even better, you can easily set up an in-person meeting with your agent – and they’d probably be stoked about it.
In short, independent agents are in it for the long haul. You’re not just a number or another reason to deal with paperwork. You’re someone they feel responsible for.
They work for you.
An insurance agent at a mainstream agency is going to sell you their agency’s insurance because that’s who they work for.
Independent agencies are a little bit different. They work for you first. They find out what you need and want, and then they call on the big insurance companies to meet those needs. That’s why they’re called independent agencies – they’re not tied to any one insurance provider. Think of them as a mediator between you and the insurance you buy. (AKA: You’ll never have to wait on hold to talk to those big companies again).
They simplify your life.
Because an independent insurance agent has access to so many different types of insurance, they have the power to consolidate all of your insurance coverage needs in one place. Need car insurance? They’ll find it. Need homeowner’s insurance? No problem. Need life insurance? Done.
You get the picture.
Now picture this: Paying one insurance bill each month. Or, calling the same agent every time you have a question about any of your insurances. Talk about a simpler life!
They save you money.
We all have that friend who’s a pro at finding the best deals. If there’s a bargain out there, they’re going to find it. Your independent insurance agent is that friend. They’re your personal bargain shopper. They shop around at all of these agencies to find the best deal. Cliché as it may sound, they’re saving you significant amounts of time and money.
We want to talk to you.
If you have more questions about what it’s like to work with an independent insurance agency, give us a call. We have a pretty good grasp on the ins and outs of this industry, and we’d love to give you a realistic look at what insurance coverage through an independent agency would look like for you.
Few things scare a parent more than having a teen driver. The learning curve is sharp – both for
your teen driver and for yourself as you strive to become an effective and poised teacher.
When your teen is driving, it can be difficult to determine which driving tendencies demand
correction and which ones are okay to overlook. To avoid nitpicking their every move, it’s
better to encourage safe driving habits that will make them a better and safer driver overall. In
this blog, we’re going to cover four skills to teach your teen driver.
Mind your speed.
Speeding is not only a major cause of teen car accidents, but it’s also a factor that worsens the
effects of an accident.
If your teen has a lead foot, explain to them the risks of driving over the speed limit. Many
teens assume that as long as they avoid a speeding ticket, they’re not hurting anyone. But a
speeding ticket is minor compared to being liable for causing an accident and injuring someone
due to driving too fast.
Drive free of food and drinks.
Parents are quick to tell their teens to never drink and drive. But what about driving and
Eating at the wheel really is distracting, and for a teen who’s inexperienced to begin with, it is
often the cause of fender benders and other accidents.
The piece you may not want to hear is that your teens are watching you drive and learning from
your habits, good or bad. If you’re dressing a salad while trying to watch the road, or driving
with the steering wheel between your knees while eating a chicken sandwich, they’re likely to
feel confident in doing the same.
Set a good example for your teen drivers. They may not want to listen to your lectures in the
car, but leading by example goes a long way.
Manage the social scene.
Food is certainly not the only distraction teen drivers face. Passengers, loud music, and phones
are all common, and often, unmonitored distractions.
The best way to manage social distractions is to, again, set a good example. Put your phone in
the back seat when you get behind the wheel. Ask a passenger to respond to urgent text
messages for you instead of attempting to text while driving. Better yet, put your phone in
driving mode. (Honestly, even if you don’t have a teen driver, these are excellent habits to
While helpful for sending text messages, passengers can be a major distraction for teen drivers.
It’s best to limit the number of friends your teen is allowed to have in the car while driving. Give
them time to acclimate to the road before their car turns into a social hub.
Arrive at Your Destination Before Dark.
Because teen drivers are inexperienced, nighttime driving presents a common risk. Not only are
things more difficult to see in the dark, but chances are, your teen is going to be more tired at
night, and so will other drivers.
If your teen is driving at night, help them take note of areas that require their utmost attention
- Busy roads
- Historically dangerous intersections
- Construction zones
- Pedestrian-heavy areas
The more alert your teen is while driving, the safer they will be.
Will you have a teen driving soon? Contact Penny Insurance about adding your new driver to
your auto insurance policy.
The funny thing about the phrase “home for the holidays” is that most of us are actually out and about more than ever during the holiday season. Whether we’re out shopping for Christmas gifts, attending parties, or visiting family, it seems like we’re anywhere but home.
Unfortunately, being away from home paired with traditional holiday activities and decor create the perfect recipe for holiday hazards. What you as a homeowner need to know is whether or not your home insurance has you covered for those unexpected, yet all too common Christmastime mishaps.
Are you insured for common holiday home risks?
Electrical Fires from Light Displays
Christmas decorations are stunning, but if they’re not done right and monitored carefully, they can end up putting your homeowner’s insurance coverage to the test.
We all love a house and front yard covered in lights, but it’s best to never to leave your lights on when you’re not home. The enjoyment your neighbors and those walking by may receive from your unmonitored outdoor light display is not worth the cost of an electrical fire.
For your outdoor and indoor light displays, be careful not to overload your outlets. This could also start a fire – especially when your lights are wrapped around a dead tree in your living room. According to the National Fire Protection Association, 44% of Christmas tree fires are caused by electrical distribution or lighting equipment.
Perhaps it’s all of those chestnuts you’re roasting over the open fire, but fireplace-related fires skyrocket every December, according to the NFPA. Often, it’s from candles on the mantle, not necessarily the fireplace.
Either way, the best way to avoid fireplace-related fires is to use fewer decorations around flames. Give you candles and your fireplace plenty of breathing room from stocking, garland and boughs of holly.
Stolen Christmas Presents
Robberies go way up during the holidays because thieves know they can get their hands on some brand-new tech toys and whatnot via your Christmas gift stash. Basic homeowner’s insurance covers personal contents, which means most items stolen from your home would be insured. If you have valuables that you’d like to insure, you may want to consider Valuable Items Insurance.
What if an item is stolen from your car? More often than not, thieves will break into a vehicle before they rob your home, so you need to know if your home insurance policy will cover those pricey Christmas presents that never made it home. In certain cases, Penny Insurance will cover a percentage of the cost of items stolen from your car under your home insurance policy.
Certain factors – such as whether or not you locked your car – will be used to determine what percentage of the stolen items insurance will cover. One of our insurance representatives would be happy to talk with you more about specifics. In the meantime, keep your car locked, and valuables out of sight.
Slips and Falls on Your Property
What if the Amazon delivery person slips on a patch of ice in your driveway and experiences a serious injury? Most homeowner insurance policies cover liability insurance, which means you would not be liable for medical bills. However, most policies have a threshold amount that they would cover in case of a lawsuit. If you’d rather not risk hitting that threshold, you can pay a little more for umbrella liability protection which goes into effect when your liability coverage meets its threshold.
Good Tidings of Great Home Insurance
The holidays are busy, and we know contemplating home insurance is probably not number one on your to-do list. That’s why, as a smaller independent insurance agency, we won’t waste your time bouncing you around from person to person. We’ll answer your insurance questions just the way you ask them – directly, to the point, and always with your best interests at heart.
It’s hard to believe we’re already closing in on the holidays. Thanksgiving is fast-approaching, and Christmas isn’t far behind. But before we get too far ahead of ourselves, let’s not forget what season is currently upon us – open enrollment!
We know, you already have more than enough on your plate right now (especially now that we just mentioned the holidays), and we hate to be the ones to add something else to your list, but open enrollment is an important time of year. The decisions you make between now and December 15th will affect you for the entirety of 2021, and we want to help you stay informed so that you can make the right insurance decisions for you and your family.
Dates and Deadlines for Health Insurance
When is it time to enroll?
The open enrollment period in North Carolina is the same every year. It begins November 1st and ends December 15th. Whatever insurance plan you enroll in during that time will go into effect on January 1st.
The open enrollment period was put in place to keep people from taking advantage of the system by signing up for health insurance right before undergoing a major procedure or immediately after finding out they need an expensive medication. Failing to enroll in health insurance coverage during the designated time means that you’ll be without health insurance for a year and be forced to wait for the next open enrollment period to get it.
There are, however, circumstances in which you can get insurance outside the open enrollment window.
Special Enrollment Period
What are the qualifications?
Some people qualify for a special enrollment period. Life events like losing other coverage, getting married, having a baby, or starting a new job typically make a person eligible for special enrollment. Additionally, those who qualify for Medicaid or the Children’s Health Insurance Program (CHIP) can also apply any time.
Since Penny Insurance Agency’s clients are all 65 years old or more, some of these life events are unlikely to occur in the next year. Insurance through Penny is a Medicare supplement. We do not offer Obamacare/ACA plans or under 65 health insurance.
Renewing vs. Shopping Around
What’s in my best interests?
You can count on your insurance costs going up from one year to the next, but don’t wait for your bill in January to find out just how much it increased. Ask your insurance company during open enrollment how much you’ll be paying for coverage next year, and if it’s a number you’re not happy with, you may want to shop around.
We get it – it’s so much easier to just renew your current plan, but if you can get better coverage that’s consolidated and managed by professionals who actually care about your needs, then isn’t a little insurance shopping worth it?
Open Enrollment with Penny Insurance Agency
How does it work?
The great thing about working with Penny Insurance is that you don’t have to know exactly what insurance plan you want. Leave it to our team to find a comprehensive coverage plan that makes sense for you, and then we’ll provide the most up-to-date facts so that you can make an informed decision.
As monotonous and mundane as open enrollment seems (especially next to all of your fun holiday plans), the great news is you do not have to tackle it alone. Our experienced and knowledgeable agents are ready to help you through the process.
Contact us today if you’re interested in speaking with a Penny Insurance Agency representative. Your protection is our priority.
For more information about open enrollment check out the Open Enrollment 2021 Guide from healthinsurance.org or one of our older posts titled, Open Enrollment: What You Really Need to Know.
Every day has always looked different, but now more than ever, our days are unpredictable. Whether you’ve gone from working in an office to working remotely or learning to teach your kids virtually at home, we are all making adjustments every day. While tackling these challenges, we need to be reminded of the importance of cybersecurity. Since October is National Cyber Security Awareness Month, we urge you to take some time to determine how cyber safe you really are.
With COVID-19, working, and learning remotely has become a norm for many people. We are conducting meetings and classes via video, using messaging applications for quick communication, and sharing even more confidential information virtually. While it’s great to have these tools at our fingertips, what are we sacrificing to use them? That question unpacks many more questions involving hacking, phishing, spam, illegitimacy, and more. We must protect our information at all costs, but if compromises do occur, Penny Insurance offers Cyber Liability Insurance.
One of the biggest threats to cybersecurity is email phishing. People use email daily to communicate for work and personal life and we are seeing an increase in the number of phishing emails. There are a few ways to check emails and determine if they are legitimate. One way is to look for grammar mistakes. If the subject line or body of the email include grammar mistakes, this may be a quick way to rule out if the email is valid. Another way to check is if the email asks for personal information or has links to websites you are not familiar with. You should delete emails with these prompts right away. It’s easy for hackers to embed viruses and tracking bugs in links, so you should never click on an unknown link.
Some other threats to your cybersecurity that you should be aware of, include video privacy, WiFi hacking, spam calls, and illegitimate job postings. Especially during these times, we are using video communication, working on our home’s WiFi, receiving many calls, and possibly looking for a job. It is important to read the privacy policies from these service providers before sharing confidential information while using them. Another privacy tip is to never share personal or financial information with anyone you are unsure of. Make sure you have proof that you are sharing with a confidential source and not a scam.
Most scams are easy to overlook, so taking the time to double-check the information you are receiving is a simple way to avoid being a victim. In general, you should always be on the lookout for illegitimate information. Even if you take precautions, our technologically advanced world makes it easier than ever for your information to be compromised. Make sure you have our Cyber Liability Insurance, so in the event of a security breach, your information is safe.
It’s already here, the last hoorah of Summer – Labor Day. You’ve worked hard to enjoy this long weekend and we want to make sure you don’t have anything to worry about. Whether you’re planning to take the boat out on the lake, grill in the backyard, or travel to a new location, there are always risks involved. Your safety is of the utmost importance to us, so knowing the risks and insurance options available is crucial.
Boats are a great way to get out on the water and enjoy the warm summer weather, however, we want you to know the risks involved before you take them. As with anything, there is a risk of personal injury. Boating personal injuries include but are not limited to, electric shock drowning and propeller accidents. Always check your surroundings for a source of electricity in the water. If you are unsure of the water’s conditions, you can get an electric current detector. Another risk is a collision with another boat or object. With our Motorcycle, ATV, RV, and Boat Insurance, you can worry less about what happens if these scenarios occur.
Labor Day is notorious for grilling out in the backyard with family and friends. Even with grilling, there are risks you should be aware of. You should always make sure that children are kept away from the grill, to prevent any injuries. Also, reading the safety guidelines and rules for your grill is the best practice for keeping your grill functioning properly. Even with these precautions, unknown issues can arise. With a comprehensive liability policy, you can grill and relax without the burden of worrying about legal consequences if a mishap were to occur.
Are you planning to go on a socially-distanced weekend getaway? If you are, you should think about the risks of leaving your house alone and traveling in a vehicle. To take the best precautions, ask a neighbor to watch your house or set up a home security system. Regarding your travels in a vehicle, you should always make sure you have your routine maintenance up to date. If you take these simple precautions, you can lower the risks of a weekend getaway. To take extra precautions, our Homeowners Insurance and our Personal Vehicle Insurance are the best options for you.
Whether it’s boating, grilling, traveling, or other Labor Day weekend activities, always know you’re covered with Penny Insurance’s liability options. We want you to have a fun and safe lifestyle, without the worries of liability hanging over your head.
Accidents happen, especially when outdoor summer activities are involved. To be sure your
summer is filled with fun in the sun, be aware of these common liabilities and ways to avoid
1. Swimming Pools
Sadly, each year, numerous accidents, injuries, and deaths occur in pools. When allowing your
children or neighborhood friends to use the pool, be sure to keep a close watch on them.
Drowning can occur silently and in a matter of seconds, if there is not keen adult supervision in
place. Diving into pools can cause serious head injuries, paralyzation, and even death. Limit
and advise adults and children alike on how to safely enter the pool to avoid injuries. In addition,
adhere to your state’s recommendations and requirements for safety signage around your pool.
Though it is unpleasant to think about, accidents do happen. In the event of an accident, the
right liability coverage can protect you and your family from liability issues. A comprehensive
umbrella policy might be right for you. If you would like to know more about your options, give us
a call at (828) 692-9171
2. Bikes, ATV’s, Golf Carts, Skateboards, Scooters, and More
Anything with wheels can be fun, but can also be dangerous. If your children and their friends
enjoy activities like biking, riding four-wheelers, using skateboards and more, be sure to train
them on proper ways to enjoy these things, emphasize the importance of helmets, and invest in
an umbrella policy for an extra layer of liability protection. Outdoor activities like riding around
are certainly fun, but things can go wrong in the blink of an eye. Be sure to enjoy summer fun,
safely, and with a peace of mind.
3. Bonfires and Grills
Some of the best memories are made around bonfires in the summertime or grilling out on the
porch with friends. If you’re planning on enjoying bonfires or grilling out this summer, be sure to
take all the necessary precautions to keep you, your family, your friends, and your home safe.
Bonfires can easily get out of control and ashes can fly far distances into the air, which can burn
people and items. In addition, grills are one of the top causes for house fires during the summer.
Check to make sure your grill is in good working condition, remember to properly clean your grill
to prevent fires, and check your propane tank for any leaks.
4. Home Invasion
Summertime is the one of the most popular times for vacations and therefore vacant homes,
and home invaders know this. If you’re planning to leave town, let a neighbor know. They can
help keep an eye on your home while you’re away and collect your mail. Also, consider
investing in an alarm system to deter invaders. Most modern alarm systems can alert you
directly on your smartphone in the event of an invasion. Finally, be sure you have a
comprehensive home insurance policy in the event of a home invasion or burglary.
At Penny Insurance Agency, we want our clients to have a peace of mind knowing they are
covered, so they can soak up the sun and enjoy life’s best moments.