As daily routines change to help slow the spread of COVID-19, my agency is available via phone and email. You can also manage your policy via the Allstate app.
Happy Friday! What’s not to love about laughter? I hope you are having a happy summer and that you get a quick laugh from these…
Q. What’s that new summer pirate movie rated?
A. It’s rated ARRRRRR!
Q. Why do fish swim in salt water?
A. Because pepper makes them sneeze!
Q. What do you call witches who live on the beach?
A. Sandwitches!
Q. What does a shark eat for dinner?
A. Fish and ships!
Only a few more weeks of summer before the kids are back in school and summer comes to a close. What favorite summer activity is on your to-do list before all this glorious sunshine fades?
Have a safe and Happy 4th of July!
Power outages? Click the link below to check out some great tips on ways to protect your home equipment.< http://www.propertycasualty360.com/2012/08/28/when-the-power-goes-out-advice-as-isaac-comes-asho#.UGMC4iGa_oc.facebook
PROPERTYCASUALTY360.COM
When the Power Goes Out: Advice as Isaac Comes Ashore
Is your air conditioner ready for the summer heat? Now might be a good idea to get it checked, before the next heat wave hits. http://home.howstuffworks.com/how-to-maintain-an-air-conditioner.ht
HOME.HOWSTUFFWORKS.COM
How to Maintain an Air Conditioner
🍫Why is chocolate toxic to dogs?
It contains theobromine and caffeine.
Both of which can speed up the heart rate of a dog's nervous system.
🎃 As we are heading towards Halloween, here's a reminder to keep it out of reach of your four-legged friends.
Over the years, you may have heard the term “10 and 2 driving”. 🚙
This is regarding the position in which you should hold your hands on the steering wheel.
This is typically described in terms of how your hands' placement relates to the numbers on a clock. ⏰
But, the technique for proper hand placement on the steering wheel has changed over the years.
NHTSA now recommends the placement known as “9 and 3”.
The 10 and 2 o’clock position is no longer recommended because it can be dangerous in vehicles with smaller steering wheels equipped with airbags.
When you request an insurance quote OR when you refer your friends and family to our agency for a quote, you'll be entered into our next drawing for a chance to win $1000 in cash. 💰
The next drawing is going to be held on December 31st!
Click here to get started.👇
http://jayroseagency.com/
Plus, getting empowered with a second opinion on your insurance and saving money is fun. 😁
📝 If you are one of our customers, you may be receiving a survey from our corporate offices via email anytime throughout the year.
We hope that you'll be able to grade us with a "10" which means that you're "completely satisfied" with our agency's service.
If you are unable to give us a 10 grade, please contact us.
You'll be given an option to enter the $500 drawing at the completion of the survey. 💰
Here are the complete contest details. 👇
https://s.ripl.com/664d1r
Thank you for being the best part of our agency!
With such a significant emphasis on digital security these days, it could slip your mind that physical papers left in the trash can become a gold mine for identity thieves.
Here are the biggest culprits of documents that experts suggest shredding first:
✈️ Boarding passes - Shred them after you land: Your boarding pass contains your name, travel plans, and a barcode that can be deciphered.
🎫 Prescription labels - Whether it's stapled to the Rx bag or on the bottle, these labels typically list your name, the name and strength of the drug, and your pharmacist's name. Thieves can use this info to refill prescriptions or steal your identity.
📄 Receipts - Shred all receipts you don't save. Receipts from credit card purchases reveal the last digits of your card number and possibly your signature.
📑 Resumes - Resumes can provide crooks with your name, phone number, address, email address, employment past, and education history all on one convenient paper.
Once trash is off of your property, anyone can take it.
Your best defense to prevent identity theft is to avoid disposing of these documents in one piece.
To get boat insurance, you need to own a boat...
or car insurance, you need to own a car...
or exotic snake insurance, you need to own an exotic snake.
But, when you own a rental home...you can’t get homeowners insurance. What’s up with that?
If you plan to rent out your entire home to tenants, you'll need landlord insurance to insure the property...
And your tenants will be responsible for insuring their own belongings.
If you’re so inclined, you could post a sign in your home that says “Not Responsible for Lost or Stolen Items.” Your friends and family will think you’re crazy, but you could do that.
Either way, you should have the right policy in place.
SOME home security systems will actually help you qualify for additional discounts on your homeowners policy. 🏠
To get the specifics, let's chat.
Today, we honor all current and former members of the Armed Services.
If you are a veteran, thank you for your service and your sacrifice! 🇺🇸
Can you believe it?
Thanksgiving is about two weeks away, and then the hustle and bustle of the holiday season will be upon us.
If we haven't done so recently, let's set up a time to review your existing policies.
Why?
Because ensuring that your insurance program is optimized to fit your current needs is important.
✳️ Have you had a change in marital status, employment, or with children entering or leaving home?
✳️Would you like a second opinion on policies you may have with other insurance carriers?
✳️ Are you receiving all of the discounts you are entitled to?
These are just a few reasons for us to chat.
Let's set up a time to talk about what matters to YOU. 😊
Are you going to rent a moving truck? 🚛
Typically, credit cards and most personal insurance policies do not cover damage to rental moving trucks, even if they cover damage to rental cars.
That's why it's a good idea to purchase a damage waiver from the company who rents you the moving truck.
If you damage it, you'll be charged not only for the repair costs but also for the loss of income while the truck is out of service. 😟
Social host liability laws vary widely from state to state, but 43 states have them on the books.
Most of these laws also offer an injured person, such as the victim of a drunk driver, a method to sue the person who served the alcohol.
If you are hosting even a small Super Bowl party, here are some quick tips:
❇️ Encourage guests to pick a designated driver.
❇️ Limit your alcohol intake so that you will be better able to assess your guests’ sobriety.
❇️ Offer non-alcoholic beverages and serve food.
❇️ Stop serving liquor toward the end of the party. Switch to coffee, tea, and soft drinks.
❇️ If guests seem unable to drive, arrange a ride for them.
❇️ Give an intoxicated guest an all-expense paid night in your guest room or on your couch.
Whether you are cheering for the Chiefs or the Buccaneers, start with a game plan that minimizes your liability risks. 🏈
🐶 For many of us, dogs ARE an insurance policy.
However, once a dog has bitten someone, it poses an increased risk. In such a case, an insurance company may charge a higher premium or exclude the dog from coverage altogether.
The average dog bite claim is $30,000.
If a claim exceeds the limit on a property policy, the dog owner is personally responsible for all damages above that amount, including legal expenses.
To reduce the chances of dog biting, experts suggest following these steps:
🔘 Spend time with a dog before buying or adopting it.
🔘 Use caution when bringing a dog into a home with an infant or toddler.
🔘 Be sensitive to cues that a child is fearful or apprehensive about a dog.
🔘 Have your dog spayed or neutered.
🔘 Socialize your dog so that it knows how to act with other people and animals.
Do you have questions about coverage for your specific breed?
Let's talk about it. 📞
Most of us have that one drawer in our homes, the junk drawer.
It serves as a place to store random items. 🔑🔦🔓📌📎✏️
So what's the one thing you should avoid throwing into the junk drawer?
Loose and exposed, 9-volt batteries. 🔋
Why?
Because loose metal objects in the junk drawer can short out a 9-volt battery and ignite a fire. 🔥
If you do have them, it’s best to keep batteries inside of their package or keep the posts covered up with tape.
It's just a simple precaution you can take to save yourself from unnecessary grief. ✅
In many instances, the cost to rebuild a home is more than its market value. 🏠
Yet, after the 📉 housing market correction of 2008, 25 percent of people polled by the Insurance Information Network thought they should lower their home insurance coverage because market values had gone down.
This thinking can result in a homeowner having insufficient coverage if they need to rebuild after enduring a total loss. 😳
Typically, lenders only require that you have enough insurance to protect the balance of what they have loaned you.
Yet, homeowners need to have enough coverage to rebuild their home and to replace their possessions.
At least once a year, take the time to go over your property policy with your insurance agent. 📅
Chances are, we can help you create an insurance policy for the stuff you can't control.
What's on your mind?
Let's talk about it.
