Featured Archives - Spencer Insurance Agency, Inc

Fall Home Maintenance Checklist

Fall is a beautiful time of year. The air is cool and crisp, and the leaves are changing colors. As homeowners, it can also be a very busy time of year! Take advantage of the moderate weather to repair any damages to your home before the first frost sets in.

Taking the time to care for the exterior of your home in the fall will help your home last through the winter. Check the foundation for cracks. If you have cracks in your foundation, repair them before it’s too late. Caulking around windows, door frames, and where pipes and wires enter your home can help prevent heat escaping in the colder months. Install storm windows and doors and remove screens. Check exterior walls for peeling or blistering paint. If left untreated, the siding itself will deteriorate. Ensure your roof is in good shape. If there are some missing or loose shingles, get them repaired or replaced!

Interior maintenance is just as important. Properly sealing and insulating your home can save you up to 10% on your annual energy bill. Applying weather stripping and caulk to windows and doors is a simple and easy way to help keep the heat in and the cold out – don’t forget about the basement windows! Have your heating system checked by a licensed heating contractor. Properly working heating systems will use fuel more efficiently, last longer, and have fewer problems. Change the direction of your ceiling fans to redistribute warm air from the ceiling. Test and change the batteries in your smoke and carbon monoxide detectors and keep extra batteries on hand.

Now that the house is taken care of, it’s time to move back out into the yard. Prepare your yard equipment for storage by draining the fuel from all gas-operated equipment. Check to see if all your snow equipment is in proper working order and ready for the first snowfall. Drain garden hoses and store them inside. Also shut off outdoor water valves to keep them from freezing. Take some time to organize your garage. Clean and store your summer garden tools, and move your rakes, gloves, and winter equipment within easy reach.

If you are a homeowner, keeping up with home maintenance is important! This is just a short list of maintenance items that should be completed during the fall.  For more Fall tips go to our Fall Section of our website. Take the time to call Spencer Insurance Agency, Inc. at (215) 885-2200 or visit us online at https://spencerinsurance.com/ to review your homeowners insurance policy so you know your home is fully protected for the next season!

Source: https://www.bobvila.com/articles/1499-fall-home-maintenance-checklist/

Routine Vehicle Maintenance

Cars are essential to our everyday lives. When you need to head to work or the market, you walk out to your car and expect it to start right up. To keep your car running and avoid potentially costly breakdowns, you should get into the habit of conducting these regular vehicle maintenance tasks.

  1. Change the oil and oil filter. Oil lubricates the engine keeping important parts from grinding against each other. If not changed regularly, oil can also damage your engine by accumulating contaminants and causing friction.
  2. Check your tires monthly. The only thing separating your car from the road is your tires. They must be properly inflated to do their job. To find out how much air pressure your tires should have, find the placard located on the driver’s door jam or look in the owner’s manual.
  3. Regularly inspect all other fluids. Motor oil isn’t the only fluid your car uses to help run properly. Your car has brake fluid, transmission fluid, coolant, washer fluid, and power steering fluid. You can check the transmission fluid with the dip stick and the all other fluids should be able to be inspected manually by removing the related covers and visually inspecting the levels. (CAUTION: Never remove the radiator cap! You risk being scalded. Check the coolant in the nearby transparent refill container.)

4. Don’t forget the windshield wipers, the battery, and the air filter! If the windows streak or the wipers screech when they are used, replace them. If the battery terminals are showing some corrosion, use a wire brush with a solution of water and baking soda to remove it. Your air filter may need replaced once or twice a year. Check your air filter every time you change the oil.

This is just a short list of vehicle maintenance items. If you are uncomfortable performing these tasks, visit your local auto mechanic. They will be happy to assist you! One last item that should be inspected regularly, your auto insurance policy! Give Spencer Insurance Agency a call at (215) 885-2200 or visit us online at https://spencerinsurance.com/ to review your auto insurance policy.

 

Source: https://www.idrivesafely.com/defensive-driving/trending/routine-vehicle-maintenance-101-what-you-should-know

 

Factors That Impact Life Insurance

Life insurance is a simple concept to understand. You pay the premium; your loved ones get the benefit when you die. Like all types of insurance, life insurance premiums are calculated based on the risk that you will die prematurely. This is why young people pay less than someone in their 30s or 40s. The risk is small and their premium reflects that. But besides age, what else affects your premiums? That question is bit more complicated to answer.

At the most basic level, there are two types of risk factors that will determine your premium (Note: this is for term life insurance rates only). The two are “personal risk factors” and “size, term, & type of policy.” Personal risk factors tend to be things like age and gender. The other is self-explanatory – it depends on the size and term of the policy.

Let’s focus on personal risk factors. Personal risk factors usually break down into nine categories, all of which can affect the price you pay for insurance. Those nine factors are age, gender, smoker/non-smoker, personal health conditions, personal health history, family health history, occupation, hobbies & travel, and lifestyle. Some of these may affect you, most of them may not. Some states don’t use gender to determine rates, some do. It’s important to know which ones affect you before worrying about whether or not they will. Let’s break these down in groups of three.

First three up are age, gender, and smoker/non-smoker. The younger you are, the longer your potential life will be. The biggest difference between a 20-year-old and a 50-year-old is that one of those people is going make it another 40 years and it’s probably going to be the former. This is the reason that people urge young people to buy life insurance plans: you will save tons of money in the long run. The second factor, gender, plays a significant role in premium calculations and, in many cases, works in tandem with age. Women tend to live longer than men. That’s a fact. This matters because so long as you are alive, you are paying premiums. More premiums are a good thing for the insurance company. Women live longer and can pay premiums for a longer period of time. This means they get charged less. This makes a difference when you recognize that most men live to around 75, while most women live to around 80. That means a 25-year-old man and a 30-year-old woman will have about 50 years in them before they die. That’s a big deal when it comes to insurance rates. Finally, smoking status. This is, by far, one of the biggest risk factors and the one that is most in your control. A smoker will pay two to three times more than a non-smoker when it comes to premiums.  Also, quitting does not automatically put you into the non-smoker category. You have to be tobacco-free for a couple of years to be considered a lower risk factor.

The next group is health conditions, personal health history, and family health history. Health conditions refer to current health problems you are dealing with. Examples include high cholesterol, diabetes, obesity, or hypertension. Getting yourself into good health can help you avoid the costs that are incurred. Personal health history refers to problems you have had, but no longer deal with. This could be cancer, stroke, heart disease, or depression. These conditions tend to resurface, so the chance that they may return puts you at greater risk of dying sooner. The last one is family history. If one of your parents died of a health condition before the age of 60, you can expect to see your rate increase because of the chance that you may also develop the same condition.

The final group is occupation, hobbies & travel, and lifestyle. Occupation usually will not be a concern for most people. However, the occupational hazard difference between a logger and a blogger is significant. If you work a particularly dangerous job, your premiums will be higher. Up next is hobbies & travel. In most case, your hobbies will not affect you. If your hobbies include things that tend to result in accidental death, then you’re asking for someone to see you as a risk. The same goes for travel. Traveling to Italy to indulge in fine food and drink is a lot different than going to the Middle East to be a translator for the Army.

When it comes to the size and term of the policy, the larger or longer it is, the more you will pay. That’s pretty simple. The longer the policy is around, the greater chance the company will have to pay you out. That could cost them a lot of money depending on how long the policy lasts. In any case, all these factors should be taken into consideration when shopping for a policy. If you’re looking for an affordable policy from someone who can guide you through the process, look no further than Spencer Insurance Agency for all your life insurance needs.  You can give us a call at (215) 885-2200 or visit us online at https://spencerinsurance.com/ and we will be happy to assist you. Go here to get an immediate term insurance quote.

 

Homeowners Insurance Facts

When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance.

When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance.

Certain losses are excluded from most homeowner’s insurance policies. Standard homeowner’s insurance policies don’t cover floods or earthquakes. If you want coverage for flood or earthquake damage, you will need separate policies for those. If you are in a flood zone, your mortgage lender may require you to purchase flood insurance.

We all know that our credit score is important for many things. Did you know it can also affect your homeowner’s insurance premium? Some states have banned this practice; however, in most cases your credit score can affect your insurance premium. The better your credit rating, the lower your premium. So while you’re spiffing up your credit rating to get a good deal on your mortgage loan, you should maintain a good rating to save money on your homeowners insurance.

Poor home maintenance may cause a claim to be denied. Not all damages are covered by homeowners insurance. If the damage that occurred to your home is due to your failure to properly maintain your home, your claim may be denied. When it comes to home maintenance, don’t be a procrastinator!

While you are living in your new home, you will acquire new valuables, personal possessions, and may do some home improvements. You should always report these to us right away so we can ensure your coverage is sufficient for your investment

.

Enjoy your new home, you deserve it! If you have any questions regarding homeowners insurance, please contact Spencer Insurance Agency at (215) 885-2200 or visit us online at https://spencerinsurance.com/.

 

Source: https://www.hsh.com/first-time-homebuyer/facts-about-home-insurance.html

Beat the Heat

The dog days of summer have arrived. Escaping the heat can seem impossible some days, especially if you don’t have an air conditioner! Try some of these easy hacks to beat the heat and stay cool!

  1. Chill your beverages in a hurry by running a paper towel under cold water, wrapping it around your drink, and then put it in the freezer. Within 15 minutes or less your beverage will be chilled to perfection!
  2. Get a good night’s sleep by freezing your pillow case. It may sound strange, but freezing you pillow case for 10 minutes before bed can give you a nice cool pillow to help you doze off. Keep a backup pillow case in the freezer for a quick switch if you wake up in the middle of the night!
  3. Make your own personal air conditioner by placing a bowl of ice in front of a fan. As the ice melts the fan will blow the cool air towards you!
  4. Keep your windows closed! Nearly 30% of unwanted heat enters your home through the windows. Putting shades, curtains, blinds, or shutters over your windows can reduce the indoor temperatures by up to 20 degrees!
  5. If you have an air conditioner, turn on your ceiling fan while your AC is running. The ceiling fan can double the cooling effect. While the AC lowers the temperature, the fan circulates the cool air throughout the room.

We all need to keep our cool in this summer heat! Not only for comfort, but also for our safety. Visit https://www.cdc.gov/disasters/extremeheat/warning.html to learn the signs of heat related illnesses so you or a loved one can identify them and get the help you need! Stay cool, stay safe, and enjoy the sunshine! If you have any questions, you can contact Spencer Insurance Agency at (215) 885-2200 or visit us online at https://spencerinsurance.com/ 

 

/www.bobvila.com/slideshow/12-clever-hacks-to-help-you-beat-the-summer-heat-50305#keep-doors-and-windows-closed-when-you-re-not-home

Collector Car Insurance

There is nothing more stunning than seeing a classic car rolling down the road. If you are a proud classic car owner you want to do everything you can to protect your investment. You keep it clean and well maintained, but do you have the proper insurance for your beloved classic?

Traditional auto insurance policies usually cover your car up to its actual cash value, which equals its replacement cost minus depreciation. Collector car insurance usually covers your classic vehicle for an agreed, or guaranteed, value that is mutually agreeable to you and your insurance company. Collectible cars generally increase in value, especially if they are well maintained and/or restored. Everyday automobiles generally decrease in value over time. So it is important to have the right insurance coverage for your classic car!

How do you know if your car is eligible for collector car insurance? Insurance companies require that a collectible car not be used as a primary driving vehicle. Insurance companies will also place a maximum annual mileage restriction. This restriction can vary from state to state, but generally the mileage cannot exceed 7,500 miles per year. You can only use your classic vehicle for pleasure driving or a hobby activity such as participating in a parade or attending a classic car show.

Spencer Insurance Agency loves our classic cars and we know you do too! If you have any questions regarding collector car insurance, please give us a call at (215) 885-2200 or visit us online at https://spencerinsurance.com/ and we will be happy to assist you.

 

 

Source: https://www.valuepenguin.com/classic-car-insurance

ATV Safety Tips

Hitting the trails on your ATV with a group of friends or your family can be fun and stress relieving! Having fun may be your goal, but safety needs to be your priority while riding. The number of ATV related accidents and injuries in 2017 was a staggering 15,000! To help avoid being injured while using your ATV follow these safety tips     !

  1. Protective Equipment: Always were a DOT-compliant helmet, goggles, long sleeves, long pants, over-the-ankle boots, and gloves.
  2. Trails: Never ride on paved roads except to cross when done safely and where permitted by law. Stick to the trails!
  3. Don’t Drink and Ride: Never ride an ATV under the influence of alcohol or drugs.
  4. Passengers: While on a designated single-rider ATV, never carry a passenger. Never carry more than 1 passenger on an ATV designated for 2 people.
  5. Age Appropriate: Ensure you are always riding an ATV that is right for your age.
  6. Supervise Children: Supervise any rider under the age of 16. ATVs are not toys!
  7. Safety Course: Consider taking an ATV safety course and get safety certified.

We hope you have a great riding season. Enjoy the trails and stay safe! For more information on ATV safety or on ATV insurance, please give Spencer Insurance Agency a call at (215) 885-2200 or visit us online at https://spencerinsurance.com/

Sources:

https://atvsafety.org/before-they-ride/

https://www.motoshark.com/atv-accidents-injuries-statistics/

 

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/