Tag Archives: Insurance Agent

Spring Home Maintenance

Spring Maintenance for Your Home

 When springtime rolls around in the Milwaukee area, almost everyone thinks of cleaning. We probably need to do a little more of that, after all, but there’s something even more important to keep in mind: home maintenance.

When it’s time to set your clocks ahead for daylight-saving time (March 12, 2017) and change the batteries in your smoke/carbon monoxide detectors, give your home a checkup too. Here are some suggestions from the Department of Housing and Urban Development:

Interior and appliances

  • Check the basement and/or crawlspace for any signs of standing water or dripping.
  • Pull your dryer out and clean the exhaust hose and vent (lint found here is a common cause of house fires).
  • Vacuum refrigerator/freezer coils for efficiency.
  • Clean exhaust fan outlets and screens.
  • Check all air filters and replace, if necessary.

 Roof, siding, windows

  • Check for damage to your roof
  • Go into the attic. If there is visible moisture or discoloration, your roof might be leaking.
  • Examine the paint on your siding and trim. If it is peeling, you might need new paint to protect against the effects of weather.
  • Check for leaks around window and door sills. Improving your seals can lower your energy bills.

Yard and exterior

  • Check for signs of rodents and other pests.
  • Clean debris from gutters and downspouts, and make sure they are draining away from the home.
  • Trim overhanging tree branches and shrubs away from your house.

Remember, winter weather can cause significant damage that is easy to spot, but it often results in wear and tear that homeowners can miss if they aren’t looking closely. It’s well worth it to spend a little time on home maintenance this spring, so that wear and tear doesn’t turn into something more serious.

Winter Storms

Winter Storms Ahead: Are You Ready?

We admit it. As insurance professionals, our picture of winter isn’t always cozy. Winter storms mean traffic jams, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, ice damming on your roof, and other damage. Heating your home with fireplaces and space heaters can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few tips to help reduce weather-related hassles this winter.

Winter-proof your car with good snow tires, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations or space heaters.

When winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes under sinks. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fireplaces burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Check your insurance policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions about your coverage, call us at the Insurance Center of Milwaukee and we will help you review your options.

Insurance Tips for College-Bound

A Few Tips for the Parents of the College-Bound

College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, here are a few tips to help get the most out of your coverage.

HOMEOWNERS (varies by state)

  • Personal Property:  Most homeowners policies will cover personal property for up to 10% of your total homeowner policy’s personal property coverage while your child is residing at school (a $100,000 of personal property coverage at your residence equals $10,000 in coverage off premises). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended if your child lives off campus in an apartment.
  • Documentation:  Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.

AUTO (varies by state)

  • Car Stays Home:  Keep your child listed on your auto policy if they will still drive your car while at home on school breaks as a “student away from home over 100 miles”.
  • Car at School:  Make sure to notify your agent if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered.
  • Driving a Friend’s Car:  Generally, students are covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary to the insurance for the friend’s vehicle which would be the primary coverage.
  • Discounts:  A full-time student meeting certain academic requirements can qualify for a good student discount (typically need a 3.0 GPA or better). Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.

Call us at 414-744-6614 or e-mail info@insurancecentermilwaukee.com and we can walk you through the steps to ensure you have the right coverage. We’re here to help!

Boating Season

Periodically, our agency gets calls from clients after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to children AND adults – more people in their 30s die in boating accidents than any other age group. Today, you can even get vests for your water-loving dog!

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Carbon monoxide detectors are standard on most new boats; older boats have devices available typically for less than $100.

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t drink and boat.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Coast Guard: www.uscgboating.org    Coast Guard Auxiliary: nws.cgaux.org/

Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat

Call the Insurance Center of Milwaukee at 414-744-6614 or e-mail info@insurancecentermilwaukee.com for more info on boat policies.

Identity Theft

Your Identity Belongs to You.
Protect It!

 The Bureau of Justice indicates that 17.6 Americans (about 7% of people 16 or older) were victims of identity theft in 2014.

According to the Bureau of Justice Statistics – Victims of Identity Theft, 2014 the victim characteristics are:

“More females (9.2 million) were victims of identity theft than males (8.3 millions). Among racial groups, whites experienced identity theft at higher rates (8%) than blacks (5%), other races (6%), or Hispanics (5%). Victims ages 25 to 64 (8%) had the highest rate of identity theft, compared to all age groups. Persons in households with an annual income of $75,000 or more had the highest prevalence of identity theft (11%), compared to those in all other income brackets.”

The smartest way to protect yourself from identity theft is to prevent it from happening to you by keeping close tabs on your social security number and financial accounts. However, if your identity is stolen, you’ll be able to lessen problems by acting quickly.

 

  • Call your credit card companies immediately. Explain what happened, and ask where to send a copy of the police report.
  • Call and report to the police. Make several copies of police report.
  • Complete a Federal Trade Commission (FTC) Theft Affidavit and FTC report (call 1-887-ID-THEFT to request the forms).
  • Call your bank. They can place an alert on your Driver’s License number and Social Security Number, and freeze your account.
  • Call fraud units of credit report agencies: Experian, Equifax, and Transunion.

 

Fortunately, identity theft protection is available as an endorsement on most homeowners’ policies at a small cost ($15-$25 per year). The coverage reimburses certain expenses associated with identity recovery. Customers can also get guidance on how to protect themselves from ID theft before it happens and may receive assistance with identity restoration.

If you’re interested in learning more, call the Insurance Center of Milwaukee at 414-744-6614 or e-mail info@InsuranceCenterMilwaukee.com

Jewelry Protection

Have some new jewelry in the house? Protect it!

Valentine’s Day is near and love is in the air. Well, love and a few other things, such as chocolates, candle-lit dinners, candy hearts that say “Be Mine” – and, of course, jewelry.

It’s exciting to receive jewelry from a loved one — or to give it as a gift.  If you’re lucky enough to have some new jewelry in your Wisconsin home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Don’t know where to turn? Don’t worry. At the Insurance Center of Milwaukee, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer your questions.

Things to consider when insuring jewelry:

You may need to purchase additional coverage. Your home policy covers valuable items such as jewelry, but there are limits/exclusions.  If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 414-744-6614.

An advantage of scheduling a piece of jewelry is the deductible. Scheduled jewelry can have a different deductible than the rest of your policy.  As always, this impacts your policy premium, so take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it.  It is best to have one on file even if they don’t require one.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether in Wisconsin or on an international trip, and if the policy has replacement cost.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph available.

Is the value of your jewelry mainly sentimental? If the answer is “yes,” you might consider foregoing insurance. Talk to us at 414-744-6614 before making that decision. That’s why we’re here.

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather have your sentimental and valuable pieces stay with you and your family.

At the Insurance Center of Milwaukee, we hope your Valentine’s Day is awesome!

Contact Us!

For further questions and assistance, please contact us at 414-744-6614 or info@insurancecentermilwaukee.com

Five Ways to Get your Car Stolen

Five sure-fire ways to get your car stolen

 Most people would say their car is one of the most valuable assets they own, however, some people make it easy for thieves to drive off in their pride and joy.

At the Insurance Center of Milwaukee, we don’t want you walking out your door to an empty driveway or leaving Mayfair Mall only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes.

 

  1. Leaving your car running … and unattended. We know it can be chilly in the mornings and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it.
  2. Keeping a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, laptop, etc. What do you think they’re going to do when they find a set of keys?
  3. Leaving valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination.
  4. Leaving your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. While the worst thieves can steal a car that’s been left unlocked.
  5. Assuming nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker.”

 

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!

Contact Us!

 At the Insurance Center of Milwaukee, we can work with you to make sure you’ve got the coverage you need, while at the same time shopping 12 top rated companies for you. Just give us a call at 414-744-6614 or send us a note at info@insurancecentermilwaukee.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Driving after Dark

A little extra caution can go a long way while driving at night

 Summer has ended, and while fall and winter have their own pleasures — including football, skiing, holidays with family — longer nights mean increased danger on the roads.

You might drive well at night, but consider this, nighttime driving accounts for just 23% of vehicle miles traveled, but more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

We’re big advocates for safety at the Insurance Center of Milwaukee and thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but parts of the eye work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. Traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

So what do you do?

Sometimes, there’s no way around driving at night. Here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to the Dells for a weekend.

  1. Make sure your vehicle’s lights are in good working condition. Headlights, turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours and give yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio, or trying to find something on the floor while you’re on the road during the day — and distractions are even more deadly at night.

 Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

We’re open during the day!

When you’re driving around during the day, stop in at the Insurance Center of Milwaukee for a review of your coverage. We won’t keep you after dark, we promise. Or just give us a call at 414-744-6614. We’re here to help!

Motorcycle Safety

A different season means different dangers for motorcyclists

 Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions. We at the Insurance Center of Milwaukee want you to be around to enjoy the beauty of the open road, even in the Fall, so we’ve put together some great tips for you.

Be vigilant about visibility

When Fall rolls around, the days are getting shorter, which means your late-afternoon ride can turn into an evening ride very quickly. Carry proper reflective gear, along with replacement bulbs, and any other basic equipment that can help ensure your visibility. Keep in mind that the sun is lower in the sky, so the glare may make it harder for you to see the road – and for other drivers to see you.

Keep cool, but not too cool

In Wisconsin, conditions can change quickly. Even on a warm day, a cold night might be just an hour or two away. So pack your cold-weather gear when you head out, and beware of frost and ice on roadways – particularly on bridges.

Consider the conditions

Roads in the Fall can present a number of dangers. Rain can make roads slick, and standing water can cause you to hydroplane or lose control. Lower temperatures can bring frost, ice, or even snow.  Those beautiful autumn leaves can be a hazard when they start to fall off the trees and onto the road as well.

Beware of deer

Fall also brings an increase in deer activity, so be extra vigilant, particularly in rural areas. Deer tend to be most active around dawn and dusk when visibility can be limited. Pay attention to deer crossing signs and always be alert to your surroundings.

Fall can be one of the best times to ride, but also one of the most dangerous. So take a little extra care and maybe a little extra time. Doing so will help you stay safe while you take in the scenery.

Other safety resources

The Motorcycle Safety Foundation (http://www.msf-usa.org) is a great resource to learn more about safety gear and motorcycling in general, as is the American Motorcyclist Association (www.americanmotorcyclist.com). Remember, we’re here to help too! If you have questions about insurance coverage for your bike, or want more safety resources, give us a call at 414-744-6614 or email info@insurancecentermilwaukee.com !

Fall Home Safety

Household safety tips change with the season

As days get shorter and nights get longer, our habits begin to change. Most of us typically spend more time at home and less time outside. That usually means resuming favorite fall pastimes like watching football games and drinking hot cocoa on the sidelines of our little ones’ soccer games.

Arriving along with the season of autumn is a host of safety hazards we didn’t have to think about over the summer, creating the need for a little extra vigilance. As the temperatures drop and you settle in for the approaching cold spell, consider the following pointers for ensuring you and your family stay not just warm, but also safe!

Warm up carefully. All types of heating units can be dangerous. If you use a wood-burning fireplace, secure it with a screen to prevent sparks, and make sure the fire is completely out before you retire for the night. In addition, make sure a qualified chimney sweep inspects and cleans your fireplace flue once per year. If you depend on your home’s furnace, make sure it has been inspected before you start to use it again. If you have any space heaters, make sure they are in good working order (no frayed cords) and out of the reach of children.

Enjoy ambiance safely. If you use candles to add a warm glow to a cold night, make sure they are safely out of reach of children, can’t be overturned by pets, and are not close to flammable items such as blankets, paper, or furniture. If you’re known for falling asleep before heading to bed, extinguish all candles early in the night to avoid an unsafe, all-night burning situation.

Exercise yard safety. If you’re going to be pruning trees and shrubs, hanging Halloween decorations, raking leaves, or engaging in other yard activities, use caution: be careful on ladders, avoid power lines, and put away yard tools when you’re finished.

Be grounded. Have weather-friendly shoes and boots handy for the whole family. This is the season for slippery driveways and walkways. Without proper footwear, you can find yourself on your back or in the hospital.

At the Insurance Center of Milwaukee, we wish you a fabulous fall season!

Contact Us!

We can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 414-744-6614 or send us a note at info@InsuranceCenterMilwaukee.com. We want to help you meet your goals and make sure what’s important to you is protected!