protect your home - Spencer Insurance Agency, Inc

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.

Happy Labor Day! Are you looking forward to the first day of school? Send us your pictures!

Happy Labor Day!  I hope you enjoy the weekend!

Labor Day means it is time to go back to school.  Many of us remember or are experiencing our child’s first day of school.  Excitement, Anxiousness, happiness, sadness are just a few things parents experience not to mention the kids.  I think many times the first day of school is harder on the parents.

 

This is a picture of my oldest and youngest on one of their first days of school.  Send us your pictures of your child’s first day at school.  Send us the old and the new!  Love to see the older pictures too.  Post them on our Facebook page or email them to us.  We would love to share them in our next newsletter.

Be careful driving as the school zones will be active again.  Also, remind your teen drivers to be careful. Don’t forget we have a website for the parents of teen drivers.

Good luck this school year.  Don’t forget to send us the pictures.

 

 

P.S. Spencer insurance will close at 3PM on Friday September 1st and reopen Tuesday September 5th.

Remodeling your home?

remodeling

Let us help you!

Spencer Insurance Agency wants to make sure you have the proper coverage should you remodel your home. So give us a call and discuss your remodeling plans.

Spencer Insurance also provides information on our website you can check out when you start planning the remodeling of your home. Check it out.

Some of the things we discuss:

  • Checking Contractors Credentials.
  • Do you need a builder’s risk policy?
  • Making sure your home is not underinsured.
  • Are you entitled to any additional discounts due to the work being completed?

Make sure you keep us in the loop as you remodel or expand your home.

Vote for your Favorite Fire Company

Fire Station

$500 donation to the Fire Company getting the most “Votes.”

Most of the local fire companies in our area are volunteer fire companies. Spencer Insurance is very thankful for the time our volunteer firefighter put in for training and protecting our communities. Although it is impossible to financially support all the fire companies in the area, Spencer Insurance Agency will donate $500 to the fire company getting the most votes in our Social Media contest. We encourage you to spread the word to all your friends and family to vote for your favorite fire company.

The Contest will run from October 1- to October 31, 2014 and we will announce the winner early November.

Contest Rules:

  • Fire Company must be located in Montgomery, Bucks, Delaware or Chester county PA.
  • Voter must provide us a name, email address and zip code.
  • Only one vote per email address.
  • Voter must first Like Spencer Insurance Facebook page.

Make sure your Fire Company wins the $500!!

Vote Now for your Favorite Fire Company

Summer is upon us! I thought this would be a good time to share some “Summer Tips” with you.

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  • Beach and Pool: Skin Cancer is a serious problem. Make sure you use sunscreen, UVA/UVB sunglasses, and wear a hat to avoid prolong exposure to the sun.
  • Grill Safety: Keep an eye on that gas grill and make sure the hoses have not been chewed by animals. Make sure to clean the grill periodically as grease buildup can cause flare ups and fires. Charcoal grills are more dangerous than gas grills. Be careful when applying the lighter fluid. The location of your grill is critical. Keep it away from your house and garage. Be careful if you grill on the deck especially with charcoal grills. A house on my street had a fire that was caused by a coal that escaped from the bottom of the charcoal grill and fell under the deck. The coal smoldered until later that night when flames shot up the side of the house.
  • Water safety: Learn more about pool and boat safety. The American Red Cross offers tips on their website at http://www.redcross.org/prepare/disaster/water-safety. The U.S. Coast Guard offers many tips for boater’s safety. Consider taking a Coast Guard safety course which are offered locally. Check out the Coast Guard website at http://www.uscgboating.org.
  • Make sure you check on your elderly neighbors and family. Make sure their homes are properly ventilated with fans or air conditioning to keep them cool and safe.
  • Pets: Make sure you protect your pets from the heat. Keep them in shady areas and do not do any strenuous exercising with them when it is hot. Stay away from asphalt and sandy areas as their paws could burn. Make sure they have plenty of water even when you travel or take them with you on a summer picnic. Make sure you protect them from fleas and ticks as you don’t want your home to become infested with these annoying bugs.

Spencer Insurance Agency has many valuable Summer reports on our website at www.spencerinsurance.com.  Some of the topics we discuss on our website are:

  • Taking your child to college? How is your insurance coverage affected?
  • Should I purchase the extra coverage for the car I rent while on vacation?
  • School is out! Time for that talk with your teen driver (see our teen driver corner in this newsletter).
  • Are your “Summer Toys” properly covered? (Boats, jet ski, motorcycle, ATV or golf cart)

Spencer Insurance Agency is always ready to discuss your safety and protection with you.  Call us today with any questions at 215-885-2200.  You can also email us or visit our website for more tips.

All of us at Spencer Insurance Agency hope you have a safe and enjoyable summer!

Are the offers from my water company necessary?

FAQ: I receive mailings from my water company to purchase coverage to replace or repair my water supply line and sewer line from the street to my house if they break or leak.  Is this covered by my homeowner’s insurance?

A: The Sewer water line from the street to your meter is your responsibility and not your Water Company’s responsibility.  You must pay for repairs or replacement should it leak.  Homeowner’s coverage does not pay for any plumbing work or replacement of pipes.  This is considered wear and tear of the house and is excluded under your policy.  The excavation to uncover the pipes is also excluded in most cases.

I would suggest you read over the offer from your water company and then make a decision as to its merits. You may want to take into account the age of the pipes.  If the water company is doing work on your street it may put stress on old pipes and cause them to break.  You may want to consider replacing the pipe to avoid a cracked pipe and service disruption in the future.

Call us at 215-885-2200 if you have any questions.

 

Tips for Parents of Teen Driver

This week is Teen Driver Safety Week.  Here are some tips for Parents of Teen drivers.

Here is some great advice form Flaura Winston, MD, PhD about why Postitive Reinforcement from parents if far more effective than scare tactics in teaching teens to drive.  Listen to her from National Public Radio’s Morning Edition.

Check out our website and click theteen-driver for more tips for the parents of teen drivers. Get information on Teen Driver Safety, Teen Driver News and Tips for parents of teen drivers.

 

 

7 Costly Mistakes Parents Make When Buying Insurance For Teen Drivers

happy girl in the car

I don’t have space to discuss all 7 Costly Mistakes.  Check out the full Report on our Website.  I want to concentrate on the 3 Most Costly mistakes parents make when buying car insurance for teen drivers.

#3 Insuring your home and cars with 2 different agents – If you insure your home and cars with two different companies then you may be paying 25% more than you need to pay.  Since the price of car insurance for a policy that includes teen drivers is higher, that 25% extra could add up to a lot of your hard earned money.  An advantage of using an independent agent is that your agent can look at your entire account and place your insurance with the company that gives you the most competitive rates and the proper coverage.  On some occasions that may be two different companies but your independent agent can research which companies are best for you.

#2 Lower Liability Limits to Save Money –This mistake can be a financial disaster!  We get many requests to lower coverage to save a few bucks.  However, when you have a teen driver that is the time you need those higher limits.  Teen drivers are five times more likely to have an accident and the cost of a teen driver claim is 3 times higher.  As the saying goes. . . Don’t be penny wise and pound foolish.  A little savings now could cost you dearly in the future!

#1 Using an insurance employee as an agent – Don’t trust your hard earned money with someone who works directly for an insurance company.  Does that employee have your best interest at heart or the insurance company’s best interest?  You need an agent that can find ways to save you money even if that means splitting up your coverage with multiple companies. The insurance company employee can only offer you one company.  At Spencer Insurance we have many top notch insurance companies to offer you.  Our goal is to give you the proper protection at a very competitive price.  “Your Protection and Peace of Mind is our only Business.”  Make sure your family and friends have the proper coverage.  Pass this information to them and have them give us a call at 215-885-2200.  We reward you for your referrals!

Carbon Monoxide Detector Offer – Protect your family today!

Trav carbon monoxide offer

Travelers Insurance has a special offer for a half price Carbon Monoxide Detector.  If you have a Travelers’ policy you are eligible to purchase a First Alert Carbon Monoxide Detector at half price.  Go to your personalTravelers website  and sign in. You will have to register on the site if you have not done so before.

After you log in to the site you will see an offer for a First Alert Carbon Monoxide Detector.  Click on this link and order up to two First Alert Carbon Monoxide Detectors.  Make sure you use the coupon code Umbrella1 when you check out so you get them at half price.

The Center for Disease Control and Prevention reports that Carbon Monoxide (CO) poisoning is the leading cause of unintentional poisoning deaths in the United States.  Protect your family now by purchasing a Carbon Monoxide Detector.  Let Travelers pay half the cost for you!

Order today before this offer expires.  I did!

Call our office at 215-885-2200 if you have any questions or need help with the site.

At Spencer Insurance Agency, “Your Protection and Peace of Mind is our only Business.”

Check out Restaurant Impossible on the Food Network

Congratulations to one of our clients, Bill Ferst of First Place Painting who will appear on the Food Network’s Restaurant Impossible on March 10th.  Bill is the painting contractor selected in the restaurant’s makeover.  Bill will appear on the show in the background doing his thing!

Congrats to Bill from all of us at Spencer Insurance Agency.

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