Home safety - Spencer Insurance Agency, Inc

Support your local fire company!

 

Help us pick a charity AND SUPPORT YOUR LOCAL FIRE COMPANY!

For the 4th quarter of 2019 you, our clients will pick the charity that Spencer Insurance will highlight and send a donation.  October is Fire Prevention Month and we want to thank our first responders and support a local fire company.

Email Charlie at cspencer@spencerinsurance.com and vote for your local fire company.  In the subject line of your email write “my vote.” You must be a client to vote and you get one vote per household. Deadline to vote is December 1, 2019.

The fire company that receives the most votes will receive a check from Spencer Insurance Agency.  We will donate $5 for each referral you send to us in the 4th quarter of 2019.  The minimum check will be $250.  Help us send a bigger check by referring your friends, family and co-workers. Vote Today!

As the holidays decorating season approaches, some safety tips. . .

 

Candles, fires (indoors in your fireplace and outdoors in your fire pit), strands of lights and Christmas Trees can make your home look beautiful for the holiday season. Be extra careful during this time of year. Remember most home fires occur during the winter months so we want to share some safety tips.

  • If you use a live Christmas tree make sure it is properly watered. Check out this video which shows dramatically the fire danger for a dry tree and one that is properly watered.
  • FEMA Video sharing winter fire prevention tips.
  • Check out the Spencer Insurance Winter Tips for some tips for:
    • Driving in winter conditions
    • Preparing an emergency kit for car and home
    • Preparing your teen driver to drive in winter conditions
    • Taking time during the winter when you are inside more to review your finances

The severity of our winters change each year.  Even the Farmer’s Almanac can’t get it right all the time.  So take some time now to prepare so you are ready for that blizzard or ice storm.  Hope I didn’t jinx us.

Contact us with any questions or if you would like a review of your insurance.

Have a wonderful winter.

Fall is here and so are the Spencer Agency’s fall safety tips!

Fall Auto and Home Maintenance - Abington, Glenside, Jenkintown Homeowners Insurance company Spencer Insurance

 

As summer comes to a close I ask “will we get rid of this rain and humidity.”  I am looking forward to some crisp fall days and seeing the beautiful change of the color of the trees.

But it would not be fall without Spencer’s fall safety tips.   Check these tips out so you can prevent future claims. This fall section has tips on how to prepare your car and home for fall and winter.  It also has some teen driver tips for parents of teen drivers.

       

Lastly, September is Life insurance awareness month so I have some tips on how to protect your family with life insurance.  Tips on what you need to do with your life insurance if you are getting married or divorced. Rachel will tell you why you should not delay purchasing life insurance.

As always just contact us if you have any questions or concerns.  “Your protection and peace of mind is our only business.”

Spring Tips

Although the Spring weather has been with us on and off all winter, the calendar turns to Spring.  As we move our clocks forward in March the days are getting longer.  The flowers will be popping up and the green returning to the trees. What a great time of year! A new beginning for all of us.  Now that Spring is here check out Spencer Insurance Agency’s Spring Tips on our website.

Some of the topics include:

 

    Tips if you are getting married this year

 

 

 

 

Many of these tips will help make sure your home and “toys” are ready and safe for the summer.  Hopefully this will help reduce any claims and out of pocket deductibles. Contact us today to set up a review of your insurance. We will be glad to meet with you.  Have a wonderful Spring.

There is more to moving clocks ahead for Daylight Savings Time. . .

 

Daylight Savings Time begins Sunday  March 12, 2017.  I am sure you don’t need another reminder to set your clocks ahead however this is not the main reason for this email.  Changing your clocks is a great reminder to do some home safety.

Spencer Insurance Agency suggests you do all of the following when you set your clocks ahead in the Spring and when you push them back in the Fall:

  • Replace all the batteries in your smoke detectors and clean them so they are free of dust or dirt.  A few years back one of my smoke detectors went off and a neighbor called the fire department.  It turned out my smoke detector was just dusty.  I little embarassing but what a great neighbor! Nice to know people in your neighborhood care.
  • Check your carbon monoxide detectors to make sure they are still working.
  • Check the tags on your fire extinguishers to make sure they are not out of date.  Replace them or have them serviced if needed.

These are a few small steps to take now to save you from a fire claim later.  Remind your friends and family to do the same.  Our goal is to help you prevent claims.  Your Protection and Peace of Mind is our only Business!

For more tips on life changing events go to our website. 

Thank you for the trust you put in Spencer Insurance Agency!

Life changes, did you update your insurance?

Just married truckcollege packing

There are many life changing events during our lifetime.  Have you considered how these events affect your insurance coverage?

As agents we review your needs when we meet with you. However, unless you tell us about these life changing events when they happen we will not know to update your coverage.  This could leave you and your family very vulnerable.

Here are examples of some life changing events:

  • Getting Married or divorced
  • Child leaving to live at college
  • New teen driver
  • Remodeling your house
  • Downsizing and preparing for retirement
  • Buying a new home or car
  • Moving to a assisted living or nursing home facility

These are just a few.  Check out the “Life Changing Events” section of our website for more information.

Contact us today for an insurance review.

Smoke Alarms for People who are Hearing Impaired

Fire Extinguisher character with happy pose

I have a few friends who have a hard time hearing or are deaf.  I thought about all the elderly whose hearing is impaired and I wondered “What good are smoke detectors and fire alarms if you can’t hear them?”

Smoke Detectors save lives!! We have heard this numerous times.

We take smoke detectors for granted. We change the batteries twice a year and inspect them to make sure they are working properly. Hopefully we never have to hear that sound except when I burn the bacon while cooking breakfast.  I like my bacon crispy!

Google “smoke detectors for hearing impaired” to find out about new technology that will help the hearing impaired know when a smoke detector alarm sounds. Some devices shake your bed and activate strobe lighting to alert you.

Check them out to see what will work best for your situation. Spread the word to your friends and family you know that have someone living with them who are hearing impaired. It could save their life!

Let me know if you are using something that really works well.   Have a great week!

 

 

Save money on your heating Bill and Winter Storm Power Outage Tips

 

Unless you are a skier you probably are hoping for a mild winter.  I do enjoy some snow, but no blizzards or ice storms please.

Did you run out of salt last year?  Did your heating bill spike last year?  I was a boy scout and their motto is “Be Prepared.”  Are you?

Here are a few tips to help you prepare for this winter season.

  • Winter storm Power outage tips: Remember the “Ice Storm.”
    • Have flashlights and extra batteries handy. Buy some smaller ones which are easy to carry around the house to supplement the larger flashlights.
    • Have some emergency candles and a long lighter similar to the ones used to light a grill. Be careful with the candles and make sure you have them in proper containers or on a plate. Make sure you do not use a propane lantern inside the house.
    • Have a portable radio with extra batteries so you can hear the news or any warnings.
    • Learn how to cook on a grill or fire in case your stove is out of commission. Have a manual can opener available to open cans.
    • Store some water for emergencies.
    • If you have a landline, have at least one phone with a cord. Most portable phones will not work when the power is out.
    • Keep your gas tank in your car filled when a storm approaches. Fill your extra gas container but be sure to store these containers in a safe place. Do not put gas containers in an attached garage.
    • After you lose power unplug major appliances as well as televisions, computers and other sensitive electronics to avoid a power surge when the power is restored.
    • Keep your refrigerator and freezer closed during a power outage and consider purchasing a portable generator.
  • Save money on your heating bills this winter. Our weather reporters are predicting another cold and white winter. Here are a few tips to remember to help save on your heating bill:
    • Lower the thermostat especially when you leave the house for work and at bedtime.
    • Make sure your fireplace damper is closed when you are not using it.
    • Do not block heating vents and keep them clean. Replace your heater’s filter at least once a month or more often depending on how much you use it.
    • Dress warmer and in layers and put an extra blanket on the bed. Exercise in front of the TV instead of being a couch potato.
    • Search your house for drafts and caulk windows and doors if necessary.

Be sure to give us a call at 215-885-2200 if you have any questions or concerns about your insurance protection. Your protection and peace of mind is our only business!

October 5th to 11th is Fire Prevention week.

Fire Extinguisher character with happy pose

The theme of this year’s Fire Prevention Week is “Working Smoke Alarms save lives.”  Test your smoke detectors each month and change your batteries when you set your clocks back in the Fall (November 2nd) and ahead in the Spring.  Make sure you also have a carbon monoxide detector in your home.

Fire extinguishers should be checked each year to make sure they are still functional. Purchase new fire extinguishers if you are not sure if they are still working.

Check out the National Fire Protection Association’s website for more fire prevention tips.

Let us know if you have a plan for your home if there is a fire.

Fall Maintenance Tips for your Home and Auto

The Fall Season can be a beautiful time of the year in our area. With cooler temperatures and the leaves changing, the fall is a great time of the year to get out of the house and enjoy the outdoors.

Fall is also a great time to prepare for those cold winter days that are coming. I imagine you remember our winter last year with all the snow, ice and school and business closings. Hopefully, this winter will be a bit milder.

Here are a few tips to prepare your home and auto for winter:

  • Put the ice scraper and snow removal tool in your car. Remember a few years ago we had a snowstorm in October?
  • Check the tread on your tires to make sure you have proper traction in the snow.
  • Replace worn wiper blades.
  • Prepare a winter emergency Kit for your home and auto. Check out http://www.ready.gov/kit-storage-locations for some kit ideas.
  • Have your furnace serviced and cleaned by a qualified Technician. Replace your furnace filter.
  • Move flammable materials away from your house and attached garage. Keep them in a shed away from your home.
  • Insulate pipes that are exposed to cold areas in the house.
  • Check for damage to your roof and gutters. Clean any debris from your gutters.
  • Have your chimney inspected by a professional.
  • Clean the clothes dryer exhaust ducts and space under the dryer.
  • Check your fire extinguishers to make sure they are not out of date. If you are not sure it’s best to replace them.
  • Trim trees around your house so the weight of ice and snow will not cause them to rub against your home.
  • If you have a storm sewer near your home make sure it is clear of any debris like sticks and leaves.

A little maintenance on your home now can save you from having a claim later. This can help you save money on your homeowner’s insurance. For more tips on saving money on your auto and homeowner’s policies go to our website. Enjoy the Fall weather and let’s hope we have a better winter this year. Call us today if we can be of service for any of your insurance needs.

 

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