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Erie Insurance recently published a blog post on ten maintenance-related things you can do to help your home recover from the winter months. With yesterday being the first day of spring, we thought we’d share the list with our readers.
SPRING HOME MAINTENANCE CHECKLIST:
Have your roof inspected. (Particularly if you notice leaks, loose shingles, or metal.)
Fix any ceiling stains, which usually indicate a roof leak. But, remember to fix the leak first!
Inspect windows and doors. Look for bent or broken hinges, frames, or edges. Also look for holes in screens.
Consider resealing your driveway. Particularly if you notice cracks.
Seal your deck every few years.
Check your fence(s). Repair or replace any loose slats or rot on your fences.
Clean gutters and downspouts.
Check for ice dams. You may want a professional to check and fix ice dams on the roof.
Apply caulk to leak-prone areas.
Inspect outside faucets and hoses. Turn them on to ensure water is still running as it should; if you can stop the flow with your thumb, the water pressure may be too low and a pipe inside your home may need to be fixed.
Check out the full article from Erie Insurance for more information and tips on maintaining your home after the winter season: www.erieinsurance.com/blog/home-recover-from-winter
Technology advances every year, and we are always looking for ways to keep your family safe helping to prevent claims. We are excited to announce that Erie Insurance and Roost are working together to pilot a FREE Roost Smart Water Leak and Freeze Detector for your home.
Why? By working together, we have a new way to detect water damage and frozen pipes in your home. The sensor fits in the palm of your hand and can have a really big impact when it comes to preventing water damage or even a claim. All you need to get started is the Roost app (which you can download on your iOS or Android smart phone), Wi-Fi and your Roost sensor. The installation instructions will be included in the box and set-up takes only a few minutes to complete.
Once you’ve set up your sensor, you can place it in an area where water damage or freezing pipes are a concern. For instance, near a hot water tank or underneath a sink. With minimal effort, this small device could help prevent a major water loss in your home. Imagine being out of town and having a pipe burst and not finding out until you returned home-there could be thousands of dollars’ worth of damages.
To avoid a situation like this from happening to you, call us and let us help you get signed up for your FREE Roost Water and Freeze Detector. Supplies are limited and will be awarded on a first-come, first-served basis, so please respond quickly. If you would like to learn more about Roost, visit https://www.getroost.com/.
Contact our agency today to find out how to get yours.
Forbes recently published an article reporting that only 10% of Millenials have enough life insurance in place to cover self-reported needs should they die. That is a scary statistic. Not carrying the proper life insurance puts your family members at financial risk, in the event of your death.
The article reports:
Millenials report a 78% shortfall in life insurance coverage.
By contrast, Gen Xers report a 48% coverage shortfall.
Baby Boomers have a 37% shortfall.
In terms of purchasing life insurance, the article says, "Get enough insurance to replace the lost income of the deceased, so the surviving spouse can carry on with paying the mortgage and saving for retirement."
The American Institute of CPAs has a life insurance needs calculator (link here) to help you determine how much you really need.
Check out the full article here: https://www.forbes.com/sites/ashleaebeling/2018/11/13/the-big-millennial-life-insurance-gap/#65995fea6ac4
And, if you have questions about your life insurance policy, or getting a quote, call your agent.
Erie’s Employment Practices Liability coverage protects business owners from lawsuits involving:
If a customer or employee makes a claim, whether it’s true or not, the legal costs to defend your business could be crippling. Employment Practices Liability covers defense costs and liability charges.
Call us to discuss adding this coverage to your commercial liability policy.
As a professional brewer, vintner or distiller, you’ve worked hard to establish a business that produces a quality product. That’s why it’s so important to make sure you have the right insurance protection. The ERIE Custom Collection® Breweries, Wineries and Distilleries Program has been crafted with your unique business needs in mind. Contact me to learn more.
Let us help you detect water damage in your home before it’s a major loss. How? By offering you a free Roost Smart Water Leak and Freeze Detector. After you download the app, you’ll be able to receive notifications on your smartphone if your home is experiencing water, temperature or humidity problems. This small device could help prevent a big loss. Contact our agency today to find out how to get yours.
Life insurance is important for your financial health, peace of mind, and protecting your family. Make sure you sign up for a policy today, because this is the hard truth: when you need life insurance, you can't get it.
For the sixth consecutive year, Erie Insurance received the highest ranking in the J.D. Power 2018 U.S. Insurance Shopping Study for "Customer Satisfaction with the Auto Insurance Purchase Experience." The study measures auto insurance shopping purchase behavior and purchase experience satisfaction among customers who recently bought insurance, and Erie received the highest numerical score: 877 out of 1,000.
This is huge for Erie because J.D. Power surveys real customers and no other carrier ranks higher.
Also on the trophy shelf, Erie earned A.M. Best's rating of A+ (Superior). While Erie Family Life Insurance earned A.M. Best's rating of A (Excellent). These accolades speak to Erie's financial strength. Customers can be sure Erie is financially sound and will be there for its customers.
For more information on Erie's awards and rankings, visit its website: erieinsurance.com/awards
CNN published an article earlier this month about the fact that after years of decline, the injury death rate among people in the United States ages 10 to 19 is rising. The CNN article was based a new report from the National Center for Health Statistics at the US Centers for Disease Control and Prevention. The report found auto injuries to be one of the leading causes of death.
Below are some highlights from the article:
- The rise in deaths is attributable to injury-related deaths, such as traffic accident fatalities, drug overdoses, homicides and suicides, as opposed to illness.
- Among 10- to 19-year-olds around the world, road traffic injuries were the leading cause of death in 2015.
- Motor vehicle traffic fatalities accounted for 62% of these unintentional injury deaths.
- The new report was based on data from death certificates filed in all 50 states and the District of Columbia between 1999 and 2016.
Check out the full article for more information on the study: https://www.cnn.com/2018/06/01/health/youth-injury-death-rate-cdc-study/index.html
We feel this study highlights the importance of practicing safe driving, as well as the need for our lawmakers to dedicate time and money to creating and enforcing legislation that will support safety on the road. Things like driver-training courses, putting down our phones while we drive, and new laws that address road safety are critical.
Hear from real customers why Erie Insurance is consistently ranked among Pennsylvania's best companies for claims service.
Whether it's a business or personal insurance claim, it's so important to have an agent who can answer questions and advocate for you with your insurance company. That's the real reason to shop insurance through an agent rather than online.
This article published on CNN Money, is an interesting read and illustrates why it's important to get insurance quotes through an agent or a reputable carrier.
The article explains, "Increasingly, sites that offer you car insurance quotes or price comparisons can snag the extensive personal information you provide and pass it on to insurance carriers, agents or industry organizations, even without your consent."
Often these comparison sites also sell your personal information to third parties; allowing them to build a customer profile of you for things beyond insurance.
Check out the full article for tips on how to avoid unknowingly sharing your personal data while obtaining an insurance quote.
Bodily injury liability pays others when you are responsible for causing injuries in an auto accident. It could pay for things like someone's medical expenses, rehabilitation expenses, and even pain and suffering or other non-economic damages.
The state of PA requires every driver to maintain the following minimums for this coverage: $15,000 per person and $30,000 in aggregate. However, we always recommend our clients carry more than the state minimum. This is one of the most important coverages you carry to protect you and your family's personal assets.
Clearsurance, an independent community where insurance customers share their individual feedback on auto, homeowner’s and renter’s insurance, has recently ranked Erie among the top 10 best insurance companies in 2018 for both home and auto.
Erie ranked 5th out of 10 among auto insurers, and 2nd out of 10 among the home insurers included.
And here are the results as displayed on Clearsurance:
By: William Forbes
CNN posted an article today on how Arity, a unit of Allstate insurance, is developing a technology to track smartphone use in cars. The hope is that Allstate will be able to tell when drivers are actively using their phones while operating a vehicle. And, at some future point, Allstate may use the information to determine car insurance rates.
It's an interesting article, but the most shocking and fascinating points, to me, were in Arity's research. The article says, "Arity analyzed data from 160 million trips by hundreds of thousands of Allstate drivers. What it found confirmed research showing that drivers on their phones are more dangerous."
Using claims data, Arity found that distracted drivers are costing insurers 160% more than drivers focused on the road. The research confirmed that distracted drivers are more likely to get into an accident and these crashes tend to be more severe.
In fact, Arity recommends drivers put their phones into airplane mode before heading out in the car.
Distracted driving is a topic we at Forbes Insurance Agency have posted about in the past, and will continue to shout about. The effects of distracted driving and using your phone while you drive are now being studied by multiple agencies, and they are all saying the same thing - this behavior is causing more accidents, more fatalities, and more expensive claims for insurers.
Here is a link to the full CNN article, titled, "Do you text and drive? Your car insurance may go up," http://money.cnn.com/2018/01/24/technology/texting-and-driving-distracted/index.html.
Here are links to some of our past blog posts on this topic:
- Smartphones Are Killing Americans: https://forbes-insurance.com/forbesinsuranceblog/2017/11/1/smartphones-are-killing-americans
- Why Are Car Insurance Prices Rising? https://forbes-insurance.com/forbesinsuranceblog/2017/6/7/why-are-car-insurance-prices-rising
- Claims Increase The Cost Of Insurance: https://forbes-insurance.com/forbesinsuranceblog/2017/3/8/claims-increase-the-cost-of-insurance
- Pennsylvania Passes Daniel's Law - Stricter Penalties For Texting And Driving: https://forbes-insurance.com/forbesinsuranceblog/2016/11/8/pennsylvania-passes-daniels-law-stricter-penalties-for-texting-and-driving