Charlie's Blog | Spencer Insurance Agency, Inc

Protect your family from the summer sun

Summer is here! The weather is warm, and due to social distancing, people are spending more time enjoying nature than they have before.

If your family intends to enjoy this summer to the fullest, practicing sun safety should be your priority. Regardless if you’re grilling in your backyard, or spending time at the beach, here are tips to keep your whole family from getting unwanted sunburns!

  1. Make the most of your accessories: If you’re unable to find a shady place to do your outdoor activities, make the most of your accessories! Wide brim hats provide additional protection for your face, neck, and scalp, while a loose cotton cover-up will give a layer of protection over the rest of your body.
  2. Find ways to shade your children while they play outside. If you have equipment like a swing set or sandbox, try to place these playground accessories in shaded areas of your yard. You can also invest in a shade sail to keep the sun from hitting their skin directly.
  3. Limit your outdoor activities between 10 am and 4 pm. This is the sunniest part of the day! If you want to be active outside, but are concerned about sun exposure, start earlier in the morning. You’ll also enjoy cooler temperatures during this time of day.
  4. Take canopies or umbrellas along with you. If you’re going camping or heading to the beach for vacation, you can’t avoid being outside between the hours of 10 am and 4 pm. Being prepared with a fold-up canopy or umbrella will keep your skin safe and allow you to have fun without getting a sunburn
  5. Sunscreen is still your best friend. Enjoying the shade while outside is not a replacement for using a broad-spectrum sunscreen that protects from both UVA and UVB radiation. You should always use both shade and sunscreen together to prevent sunburns, and more importantly to prevent skin cancer!

We hope your family has a safe and healthy summer! Remember these tips and you’ll always have a good time.

Spencer Insurance Agency

115 West Ave Suite 204

Jenkintown, PA 19046

(215) 885-2200

Pool Safety

Pool Safety

Pool season is here! There is nothing better on a hot day than to take a dip in your pool. Pools are fun for the whole family (even the dog)! While having a pool is nice, safety needs to be your number one priority. Review these pool safety tips and ensure your family has a fun and SAFE pool season.

  1. Always supervise children when they’re in or near the pool.
  2. Teach children basic water safety tips and swimming lessons. Even if children know how to swim, they still need adult supervision!
  3. Have these items close by at all times when your pool is in use: phone, first aid kit, flotation device, and scissors (cut hair, clothing, or pool cover if needed).
  4. If your child is missing, check the pool area first!
  5. Learn how to perform CPR on children and adults, and update your skills regularly.
  6. Install at least a 5 foot tall fence all the way around your pool and use self-closing/self-latching gates.
  7. Ensure your pool uses compliant drain covers. Ask your pool service provider if you are unsure.
  8. Keep your pool’s cover in good shape. If you notice any defects have them repaired or replaced immediately.

Death and injury from drowning happen every day in pools, natural bodies of water, toilets, bathtubs, and even buckets! Around 10 people drown every day for a total of 3,400 each year.  Drowning is the leading cause of accidental death among children of all ages. Don’t let your family become another statistic! Have fun and stay safe!

Spencer Insurance suggests that pool owners purchase an umbrella policy.

 

Sources:

https://www.thesilverlining.com/westbendcares/blog/bid/182094/15-pool-safety-tips-to-keep-you-and-your-family-safe

https://www.stopdrowningnow.org/educate-to-eliminate-blog/?gclid=CjwKCAjw5cL2BRASEiwAENqAPutIkAxsrYicMDr6rtPmKwbxfrErYAFU1B6753w9r3JtzCHpAxmdWhoCilkQAvD_BwE

 

Watch Out For Motorcycles!

This time of year is when you start seeing motorcycles on the road again. As a driver, you need to be extra cautious of motorcycle riders and watch out for their safety and yours. Follow these tips in order to keep everyone safe on the road!

  1. Stay Alert – You should always stay alert while driving and put the cellphone down. Turn your radio down while you are at it. You can usually hear a motorcycle before you see it!
  2. Ask Your Passengers For Help: If you have a passenger, put them to use! If you are merging or turning ask them to look around for motorcycles that you may not be aware of.
  3. Increase the Gap: You should never tailgate anyone, especially motorcycles. Stay about 3 – 4 car lengths behind a motorcycle to give yourself ample time to slow down or stop in the event of an accident.
  4. Use Your Signals: Motorcycle riders can come up on vehicles quickly and make quicker maneuvers than an average car. Always be aware of your surroundings and use your blinkers and mirrors when turning or merging.

This is just a short list of things that you can do in order to protect the safety of yourself and motorcycles riders around you. Just remember, stay alert, watch out for everyone on the road, and stay safe! There’s someone waiting at home for every driver and rider.

Spencer Insurance Agency can provide you with the right insurance policy for your motorcycle. Get your free quote now. (215) 885-2200 https://spencerinsurance.com/

 

Why is flood insurance important?

You don’t have to live in a flood-prone area to encounter flooding in your home. This can happen at any time to anyone! Flooding can be caused by more than just natural disasters. If you own a home, you need flood insurance. There are a two different types of flood insurance: the National Flood Insurance Program and private flood insurance. The area you live in will determine which type of flood insurance is best for you.

The National Flood Insurance Program is a flood insurance that is offered through FEMA. If you are located in one of the 21,000 communities that participate in this program, you should be eligible for both types of coverage offered by the National Flood Insurance Program. The two types are building property coverage and personal property coverage. Building property coverage is “replacement cost value” coverage. This means that building property coverage covers the cost to repair or replace your home up to $250,000. Personal property coverage replaces up to $100,000 of items in your home.

 The other type of flood insurance is private flood insurance. Private flood insurance premiums vary based on the insurance companies that offer it. Speak with your insurance agent regarding cost and coverage plans.

You may qualify for both the National Flood Insurance Program and private flood insurance. Depending on the value of your home and contents in it, you might be better off getting both to protect yourself in the event of a flood.

Flood Facts:

  • Just one inch of water can cause more than $20,000 in damage.
  • It takes just six inches of fast-moving water to sweep an adult off their feet and 12 inches of water to sweep a car away.
  • Flash floods typically carry water between 10 and 20 feet high.
  • If you live in a 100-year flood plain, your home has a 1% chance of flooding each year.
  • Moving water at 10 mph carries the same pressure as wind blowing at 270 mph.
  • If your home is in a flood plain and you have a federally backed mortgage, you are required by law to carry flood insurance.

Give our office a call to discuss all your flood insurance options! (215) 885-2200

https://spencerinsurance.com/insurance-quotes/flood/

Source: https://www.daveramsey.com/blog/need-flood-insurance

Should you get wedding insurance?

You may have heard about insuring your wedding day, but do you know exactly what wedding insurance is and what it protects? There are many things that can occur to ruin your big day! Anything can put a damper on your wedding, from sudden cancellations to stolen gifts, or a damaged gown. Wedding insurance can help protect you from unforeseen disasters and give you peace of mind.

Not sure what wedding insurance really is? Basically, wedding insurance helps protect the investment that you or someone else has into your special day. For example, if your photographer doesn’t show up and you have to find a last-minute replacement for double the original price, this is considered a wedding day financial loss, and wedding insurance can help protect you from it.

Wedding insurance can cover many different aspects of your wedding. It can cover problems that occur with the venue, weather, vendors, key people, sickness, injury, or unexpected military or job obligations. Wedding insurance doesn’t cover cold feet, jewelry, gemstones, or pearls.

Wedding insurance can vary in cost depending on the coverage that you are looking for. The average cost can range from $155 – $550. You may also want to consider liability coverage. A general liability plan can cost about $185 and covers up to $1,000,000 in accidents.

The sooner you get wedding insurance, the better off you are. Keep in mind, some insurance companies have limitations and restrictions about how far in advance you can get wedding insurance.

Give our office a call to discuss all your wedding insurance options! (215) 885-2200

https://spencerinsurance.com/wedding-insurance/

Source: https://www.theknot.com/content/wedding-insurance-101

Do you know the importance of umbrella insurance?

Since February 11th was Umbrella Day, we want to take time to explain that umbrella insurance is not for umbrellas! Umbrella insurance provides extra liability coverage for you or your business. This helps protect you or your business from large claims or lawsuits that exceed the limits of the liability coverage offered by your home, auto, or business insurance policies.

Types of umbrella insurance coverage

There are two types of umbrella insurance coverage. Personal umbrella coverage will take care of claims that are out of reach for your basic homeowners or auto insurance policies. The other type is commercial umbrella insurance. Commercial umbrella coverage will help cover those claims that happen at your business, such as injury or property damage that is too costly for your basic business insurance coverage. Both commercial and personal umbrella insurance will cover bodily injury, injury to reputation, property damages, and court costs.

 

Who needs umbrella insurance?

There are many types of people who could use the extra coverage of an umbrella policy. If you make decent money or come from a family of money, you should have an umbrella policy. If your family has guests or children over to your property and you have things such as trampolines, pools, playgrounds, tree houses, or blow-up toys or bounce houses, you should have an umbrella insurance policy as well. If you are a landlord and rent out property, you should have an umbrella insurance policy too.

 

If you think you may need an umbrella insurance policy, take a minute and contact us to start a quote! We are here to help you understand the importance of protecting yourself.

 

National Heart Month

 

Knowing the facts about heart disease can help increase your chances of avoiding or overcoming heart disease. The first thing to know is that it can happen at any age. Heart disease occurs more often in younger adults than you may be aware. Higher rates of obesity and high blood pressure are putting more young adults at risk.

 

 

Risk Factors

There are 3 major risk factors that can lead to heart disease. First factor is high blood pressure. Millions of Americans have high blood pressure. High blood pressure doesn’t discriminate against age or sex. Of those millions of Americans with high blood pressure, only about half have it under control. The second factor is high blood cholesterol. Eating unhealthy foods and not getting enough physical activity can all contribute to unhealthy levels of blood cholesterol. The third risk factor is smoking. More than 37 million U.S. adults are current smokers. Smoking damages the blood vessels and can be a cause of heart disease.

There are a variety of other conditions that can contribute to getting heart disease. Obesity, diabetes, physical inactivity, and unhealthy eating habits are all risk factors that can lead to heart disease. More than 1 in 3 Americans have obesity. Nearly 1 in 10 people in the U.S. have diabetes.

 

Being Heart Healthy

You can do a number of things to become heart healthy. First, if you smoke, quit! Most communities have support for helping individuals quit smoking, and talking to your medical provider is a good place to start. If you have high blood pressure or high blood cholesterol, your health care provider can help you manage these conditions. Sometimes this requires medications, and those need to be controlled by your provider. Eating heart healthy can also help change a number of factors that can lead to heart disease. Eating a low fat, low sugar, low sodium diet can help fight some of the conditions that lead to heart disease. Getting at least 150 minutes of activity per week can keep you active enough to help prevent heart disease.

You only get one heart. Keep it healthy!

Source: https://www.cdc.gov/features/heartmonth/index.html

Renting Your Property on AirBnb

Renting Your Property on AirBnb

If you are trying to earn a little extra money for the New Year, the answer may be in your spare room! AirBnb can be a great way to utilize an empty home, or room, and generate some much needed income. AirBnb is an online marketplace that connects people who have a room for rent, with travelers who need a place to stay for vacation. Just ensure you have the proper insurance!

 

Most standard homeowners insurance policies don’t include short-term rentals and will NOT cover them. If you’re renting out your home on a regular basis to generate income, insurance companies generally view that as business activity. This will require you to purchase business

What if something happens to your property while it is being rented? While AirBnb does offer up to $1

million of its own coverage per rental, it may not cover everything. Plus making a claim can be complicated! With an increased number of states now regulating rentals, most property owners are now legally required to maintain business liability insurance if they rent out their home on a short-term basis.

Don’t rely on your homeowners insurance policy. Many homeowners make this mistake and regret it! Homeowners insurance is designed to cover you from property damage and liability based off of a specific set of circumstances. When you rent your home on a frequent, or non-frequent, basis the risk for property damage and liability issues increase significantly!

Don’t make the same mistakes as other homeowners! Spencer Insurance Agency can help advise you on what business insurance would be best for you. Contact us at (215) 885-2200 or on our website 

to speak with one of our licensed professionals.

Sources:

https://www.investopedia.com/articles/insurance/120816/does-your-homeowners-insurance-cover-airbnb.asp

Emergency Preparedness Winter Car Kit

Emergency Preparedness Winter Car Kit

Having the proper items in your car during the winter can be the difference between life and death during a critical situation. The items listed below can help provide comfort and save your life. Along with the following items, you’ll want to be sure you have a fully charged phone before hitting the road. This can also save your life should an emergency arise.

The Basic Supplies:

These are the essentials.

Remember that along with these basic supplies, you’ll need an adequate amount of gas. It’s important to check that your antifreeze is at the proper level as well.

  • Blankets – Even having one extra blanket can provide much-needed warmth and protection.
  • Extra clothes such as mittens, socks, hats, and jackets
  • Flashlight with extra batteries
  • Jumper cables
  • Bottled water
  • A proper first aid kit with all the supplies that come in it. If you use something in your kit, replace it as soon as you get a chance.
  • Windshield cleaner
  • A simple multi-tool such as a Swiss Army Knife or a Leatherman Tool
  • Road flares or warning triangles

 

Remember that along with these basic supplies, you’ll need an adequate amount of gas. It’s important to check that your antifreeze is at the proper level as well.

Extra Supplies:

If your area experiences extreme winter weather, it’s a good idea to keep these extra supplies on hand as well.

  • Non-clumping cat litter for gaining traction in the snow
  • A folding shovel
  • Sleeping bag
  • Small fire extinguisher (Class B or C for your car)
  • Tire changing essentials such as a jack and lug wrench
  • Paper maps
  • Compass
  • Snacks such as canned nuts or granola bars
  • Ice scraper
  • Tow strap or chain
  • Matches or lighter

 

You can pick from the many options on the market for emergency car kits, or you can take the above listed items and make your own based on your needs. Always remember to check these items and make sure they are still in working order every month. If something needs to be changed out, do so immediately, as you never know when you may need your emergency kit.

Need coverage? Have Questions?

Call Spencer Insurance Agency’s  licensed insurance professionals at 215-885-2200 or visit our website. 

Generator Safety Tips

Generator Safety Tips

Choosing the right generator is the first step in generator safety. Here are a few easy ways to figure out which size generator is best for you, provided by Red Cross.

  1. Add up the power requirements of the appliances and devices you will want to use.
  2. Add up the wattage of all the light bulbs you will want to use.
  3. Find the total amps you need by dividing watts by volts.
  4. Choose a generator that produces more amps than you need. Some devices draw up to 3 times as much power when starting up, and others lose efficiency over times.

 

Another thing to remember when using a generator is that there are many hazards associated with using it. These hazards include but are not limited to:

  1. Shocks and electrocution
  2. Carbon monoxide
  3. Fires
  4. Noise and vibration

To minimize these hazards, keep your generator dry, and do not use it in rain or wet conditions. Also, keep the generator outside in a well-ventilated area to avoid carbon monoxide poisoning. Carbon monoxide can kill you in as little as 5 minutes and without warning.

Just a few more tips: Before refueling your generator be sure to turn off the generator and let it cool down to avoid a fire hazard.  Store gas for your generator properly, not in your house, and in a ventilated building or under the cover of a car port or canopy. Avoid electrical hazards by keeping the generator dry and under a cover such as a car port or canopy, but only if it is at least 20 feet away from your house.

Call  Spencer Insurance Agency’s licensed insurance professionals at  215-885-2200 or visit our website.

Sources: https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/power-outage/safe-generator-use.html and https://www.osha.gov/OshDoc/data_Hurricane_Facts/portable_generator_safety.pdf.