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Thanksgiving Safety Check

Posted on November 18, 2024November 18, 2024 by BossFetty

Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.

Stay in the kitchen when cooking on the stove top.
Stay at home when cooking your turkey and check it frequently.
Keep children at least 3 feet away from the hot stove.
Heat cooking oil slowly and watch it closely; it can ignite quickly!
Keep a lid nearby to smother small grease fires. NEVER throw water on a grease fire!
Always use turkey fryers outdoors and on level ground.

In 2017 the U.S. fire department responded to an estimated 1,600 cooking fires on Thanksgiving. Keeping fire safety top of mind in the kitchen during the holiday will keep you from having a Thanksgiving disaster! (Agency name) hopes you and your family have a safe and joyous Thanksgiving!

Sources:

https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Thanksgiving

https://www.dhs.gov/blog/2010/11/24/thanksgiving-safety-tips-us-fire-administration-usfa

Are Musical Instruments Covered by Homeowners Insurance?

Posted on August 13, 2024August 13, 2024 by BossFetty

Standard homeowners insurance policies often cover musical instruments, but it might not include coverage if the instrument is being played for compensation. Situations including fire damage, vandalism and theft are often covered by homeowners insurance.

You should check your policy to find out the total coverage limit for your personal property. If you have about $150,000 to replace all of your personal items in an incident of a fire or other disaster, but your instrument is worth $50,000 alone, that only leaves $100,000 for the rest of your belongings. In cases like this, it would be a good idea to insure your instrument separately. Here are some ways to determine whether or not you may need extra coverage for your instrument(s):

Take an inventory of your instrument(s).
Figure out the value of your instrument(s), and get a professional appraisal if your instrument(s) are extremely valuable.
If your homeowners insurance policy isn’t enough to cover your instrument(s) in addition to the rest of your belongings, consider getting extra coverage.

There are two options for getting extra coverage for your instrument(s). One option is to get add-on coverage on your current homeowners insurance policy. The other option is to get separate coverage for your instrument(s). Add-on coverage will most likely cover a larger range of disasters that involve your instrument(s) than a standard homeowners policy does. There may be a coverage limit, and if you perform for a compensation, the instrument(s) may not be able to be covered at all through a homeowners insurance policy. Like add-on coverage, circumstances that are not covered in standard homeowners policies would usually be covered by a musical instrument policy. Standalone instrument policies also often cover the instrument(s) no matter where it is at any given time. Musical instrument policies may cover the following circumstances:

Damage caused by temperature changes and/or humidity
Theft
Water damage
Flood damage
Earthquake damage
Vandalism
Shipment damage
Repair damage

Musical instrument policies may not cover:

Gradual deterioration
Mold damage
Damage from insects, worms, rodents, or vermin

Separate musical instrument insurance policies usually provide an agreed value coverage as well. This is important for higher valued instruments that appreciate, so that they are being insured at their full value. Source: https://www.rollingstone.com/product-recommendations/finance/theft-music-instruments-homeowners-insurance-1214015/

How an Independent Insurance Agent Saves You Time & Money

Posted on July 23, 2024July 23, 2024 by BossFetty

Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agent, we are what you need. We are knowledgeable and versatile.

Best of all we have options, and these options give you options and can save you hundreds and sometimes thousands of dollars in premiums. As an independent insurance agent, we can tailor each policy to your specific needs and price range. We can do this because we work with dozens of insurance companies. With these carriers, we can give you more options to choose from in all different price ranges.

We know the complexities of the insurance market and are knowledgeable about the laws that could apply to each policy type. This is invaluable knowledge when it comes to writing your insurance policy.

How an Independent Insurance Agent Saves You Time

No one likes to waste valuable time trying to find the best deal on insurance to fit their budget. That’s the beauty of an independent insurance agent; we do all the work for you. Most independent agents are alerted when your policy has an increase of 10% or more. While it is normal for rates to fluctuate up and down over time, a 10% increase is when we typically start shopping with our other carriers.

How an Independent Agent Saves You Money

You know how we can save you time, and in the same way, we can also save you money. Since we have access to several different insurance carriers, we can find pricing to fit your budget.

Where there are more options, there are better rates, and that gives you a lot of flexibility. Most of the time, the lower premiums don’t mean less coverage. It just means we know where to look.

You don’t have to sacrifice coverage for better rates and shouldn’t have to. With an independent agent, that’s the least of your worries. Source: Candace Jenkins | June 23, 2020 https://www.trustedchoice.com/insurance-articles/i/how-insurance-agents-save-you-money/

Smart Choices, Safe Roads: Options to Avoid DUI and Insurance Premium Increases

Posted on March 13, 2024March 13, 2024 by BossFetty

The consequences of driving under the influence (DUI) extend far beyond legal repercussions; they can significantly impact your auto insurance premiums. Fortunately, there are various responsible choices and alternatives available to ensure you stay safe on the roads without jeopardizing your insurance rates. These options may help you make informed decisions and contribute to safer streets.

Designate a Sober Driver
One of the simplest and most effective ways to avoid a DUI is to designate a sober driver. Plan ahead and ensure that someone in your group remains alcohol-free to take the wheel. This not only safeguards you from legal troubles but also keeps your insurance premiums in check.

Use Ridesharing Services
In the era of technology, ridesharing services like Uber and Lyft have made it incredibly easy to secure a safe ride home. These services are cost-effective, convenient, and eliminate the need for you to drive under the influence. Spending a few dollars on a ride is a small price compared to the potential increase in insurance premiums after a DUI.

Public Transportation
If available, public transportation can be a reliable and economical option to avoid driving under the influence. Buses, trains, and subways provide a safe and responsible way to get home without the risk of a DUI impacting your insurance rates.

Stay Overnight
If you find yourself in a situation where driving is not an option, consider staying overnight. Crash at a friend’s place or book a nearby hotel to ensure you’re well-rested and sober before hitting the road. This decision not only keeps you safe but also protects your insurance premiums.

Arrange for a Taxi
Traditional taxis remain a viable option for those looking to avoid a DUI. Although they may be less prevalent in some areas due to the rise of ridesharing, taxis provide a reliable means of transportation without the risk of an insurance premium hike.

Community Programs and Services
Some communities offer programs or services that provide safe rides home for individuals who have been drinking. Look into local initiatives, such as designated driver programs or free ride services during certain events, to help you make responsible choices without affecting your insurance rates.

Utilize Driving Alternatives
Explore alternative modes of transportation that don’t involve driving under the influence. Consider walking, biking, or carpooling with a sober friend. These alternatives not only keep you from facing a DUI but also contribute to environmentally friendly and socially responsible choices.

The options to avoid driving under the influence and prevent increases in insurance premiums are numerous and accessible. By making smart choices and taking advantage of alternative transportation methods, you not only protect yourself but also contribute to safer roads for everyone. Remember, the impact of a DUI goes beyond legal consequences, and the best way to navigate these challenges is by prioritizing responsibility and safety on the road.

We LOVE Berville, Michigan!

Posted on February 12, 2024February 12, 2024 by BossFetty

During a month dedicated to celebrating love, it’s crucial not to overlook the residents of our picturesque community! Our roots are significant to us, and each cheerful face, local business, and town landmark holds a unique and cherished place in our hearts. Here are just a few aspects that contribute to making Berville exceptionally special:

Berville used to be known as Baker’s Corners, which got its name specifically to feature the first three letters of the township name.
Berville is in St. Clair County which is known as the Blue Water Area for its deep blue water that resembles the ocean.
The small-town landmark is an old church that is still standing on the corner of Church Rd. and S. Church Street.

In every corner of our community, we aim to act as partners, helpers, and friends. Our neighbors and citizens hold immense significance, and it is a great honor to be part of Berville. We are excited about the opportunity to forge a connection with you and become the trusted insurance provider for our hometown. Reach out to Mitten Heritage Fraternal Society of Insurance at 844-843-6488 or visit www.MittenHeritage.com for your complimentary insurance quote, and you’ll experience the warmth of our service – you’ll feel the sense of connection and care.

Emergency Preparedness Winter Car Kit

Posted on January 10, 2024January 10, 2024 by BossFetty

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

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.

Home Maintenance Tips: A Winter Guide for Homeowners

Posted on December 7, 2023December 7, 2023 by BossFetty

Owning a home is a significant investment, and part of responsible homeownership is maintaining your property year-round. In this comprehensive guide, we’ll provide homeowners with a seasonal breakdown of essential home maintenance tasks. These tasks not only protect your investment but also help ensure your insurance coverage remains effective.

Roof Inspection:

Check your roof for any signs of damage, including loose or missing shingles. Ensure there are no leaks or areas of weakness that could be vulnerable to winter weather.

Gutter Maintenance:

Keep your gutters clean and free of debris to prevent ice dams and water damage. Make sure downspouts are directing water away from your foundation.

Insulate Pipes:

Insulate exposed pipes in unheated areas of your home, such as the attic or basement, to prevent freezing and potential burst pipes.

Heating System Check:

Schedule a professional inspection of your heating system to ensure it’s running efficiently and safely throughout the winter.

Seal Gaps and Cracks:

Seal any gaps or cracks in your home’s exterior to prevent drafts and keep your heating costs down.

Fireplace and Chimney Maintenance:

If you have a fireplace, have it cleaned and inspected. Ensure the chimney is clear of debris and functioning correctly to prevent fire hazards.

Winterize Outdoor Equipment:

Store outdoor equipment properly and winterize items like lawnmowers and garden hoses to prevent damage.

By following this seasonal guide, homeowners can proactively protect their investment and maintain their insurance coverage effectiveness, especially during the winter months when homes are susceptible to specific weather-related risks.

Maximizing Home Insurance Savings:

Posted on November 8, 2023November 8, 2023 by BossFetty

Practical Tips for Budget-Conscious Homeowners

Owning a home is a significant financial responsibility, and managing household expenses is crucial for budget-conscious homeowners. In this blog, we’ll explore practical strategies and tips to help homeowners save money on their home insurance premiums, building on the concept of cost-saving measures to ensure you’re getting the best value for your coverage.

Shop Around Annually:

Regularly compare insurance quotes from different providers to ensure you’re getting the most competitive rates. Loyalty to one insurer may not always result in the best savings.

Bundle Your Policies:

Consider bundling your home and auto insurance with the same provider. Many insurers offer discounts for bundling, providing savings on both policies.

Raise Your Deductible:

Increasing your deductible can lower your premiums. However, make sure you have enough savings to cover the deductible in case of a claim.

Improve Home Security:

Installing a home security system, deadbolt locks, smoke detectors, and fire extinguishers can not only enhance your safety but also qualify you for discounts on your premiums.

Maintain a Good Credit Score:

Keep your credit score healthy by paying bills on time and managing your credit responsibly. A good credit score can lead to lower insurance rates.

Review Your Coverage:

Regularly assess your coverage to ensure it aligns with your current needs. You may find that you’re overinsured for certain items or that you need to adjust your coverage based on changes in your home or lifestyle.

Ask About Discounts:

Inquire with your insurer about available discounts. They might offer special discounts for retirees, veterans, or members of certain organizations. Don’t hesitate to ask.

Maintain a Good Claims History:

Avoid filing frequent small claims if possible. Insurance companies may raise your premiums if you have a history of numerous claims.

Review and Adjust Annually:

Make it a habit to review your home insurance policy annually. Life changes, and so do your insurance needs. Ensure that your coverage remains aligned with your circumstances.

Consider Umbrella Coverage: – If you have significant assets to protect, consider umbrella insurance. It can provide additional liability coverage at a relatively low cost.

By implementing these practical strategies, you can take proactive steps to save money on your home insurance without sacrificing the protection your home and belongings deserve. Remember that it’s essential to strike a balance between cost savings and adequate coverage to safeguard your home and family effectively.

Auto Insurance Costs

Posted on October 31, 2023October 31, 2023 by BossFetty

If you own a vehicle, you should own an auto insurance policy. Have you ever wondered how the cost of your policy is determined? There are a number of different factors that impact the cost of your auto insurance. While not all companies use the same parameters, we will help you understand what commonly determines the bottom line of your auto policy.

First, your driving record – The better your record, the lower your premiums. If you have been in accidents or had serious traffic violations, it is likely you will pay higher premiums. How much you use your car is also considered while determining the cost of your premium. The more miles you drive, the more chance for an accident. Even where you park is taken into consideration. Do you park in a secure garage? Or do you park on a street?

Other factors taken into consideration while determining your auto insurance costs are: your age, the car you drive, and the amount of auto insurance you wish to carry. Mature drivers generally have fewer accidents than beginners. The cost of your car and the amount of insurance coverage you want to carry are major factors in the cost of your policy as well.

There are many different factors that go into determining the cost of your auto insurance policy. Some factors can vary from one area or state to another. To get the best idea of the cost you will pay for auto insurance, contact our agency to request your free auto insurance quote!

Source: https://www.iii.org/article/what-determines-price-my-auto-insurance-policy

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Author: BossFetty