Tag Archives: Milwaukee Insurance Agent

Firework Safety

When Things go BOOM in the Night

 The Fourth of July is about having fun and creating memories with family and friends – whether at home in the Milwaukee area or away at a cabin on a lake.

Unfortunately, for some families the holiday is a nightmare. Homes each year in Wisconsin are damaged by wayward fireworks and thousands of people are injured in firework accidents.

At the Insurance Center of Milwaukee, we want your holiday to be happy, but also safe. So here are some tips to help you protect yourself and your property on the Fourth.

Protecting yourself (and others)

  • To minimize the risk of injury, don’t use consumer fireworks. Attend a public display conducted by professionals at the Milwaukee lakefront or a neighboring community.
  • If using consumer fireworks, always follow instructions. Do not attempt to re-light “duds” or create homemade fireworks.
  • Never let children handle or light fireworks. Even sparklers, which burn at more than 1,000 degrees, can cause third-degree burns
  • A responsible adult should always be present when children – even teenagers – are around fireworks. More than half of fireworks injuries happen to those younger than 20 years old.

Protecting your home

  • According to the National Fire Protection Association, the best way to protect your home is to not use fireworks at home.
  • Remember, fireworks can cause grass fires and other types of blazes as well. Make sure you light fireworks in a safe area, away from homes and buildings, as well as other combustible material. Keep a fire extinguisher nearby in case of emergency.
  • Look out for tree limbs or bushes that could catch fire. Trimming vegetation to keep it away from your home is a good idea anyway, but it could save you from a catastrophic fire on the Fourth of July.
  • If your gutters have accumulated leaves, pine needles or other flammable material, clean them before using fireworks near your home.
  • Finally, if you won’t be home on the holiday, ask a neighbor to keep an eye on your house if others in your neighborhood will be using fireworks.

With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone. Whether you’re staying at home or heading to Milwaukee’s lakefront, we hope you have a wonderful time celebrating Independence Day!

Winter Tire Tips

Do You Need Winter Tires?

 Snow and slush. Freezing rain. Black ice. Are your tires ready for all of that?

When driving in Milwaukee in the wintertime, your tires just might be the most important safety feature on your car. The right ones can get you to your destination safely. The wrong ones? Well, just look over in the ditch during the next storm.

So how do you figure out what’s best for your vehicle? Here are a few things to know about winter tires:

1.      Winter tires really are different than regular tires. Winter tires have deeper tread, along with siping (slits in the tread blocks). This increases the number of edges that touch the road, resulting in better traction and handling. They also stay softer than other tires do in cold weather, thanks to special rubber compounds designed specifically for winter use.

2.      All season or dedicated winter tires?  Winter tires are better in deep snow than all-season tires, however, sometimes you can find an all-season tire that does well in light snow.

3.      You still need to check the pressure — once a week.  Once a week? Yes, once a week! If your tires are underinflated, they are at risk of failing. In winter, if they’re overinflated, your traction will be significantly reduced.

4.      You still need to check the tread, too. An inexpensive tool found at auto-parts stores can be used for this, or you can use a penny. Stick the coin into the groove of the tire, with Lincoln’s head down. Is some of his hair hidden? Good. Can you see all of Abe’s hair? It’s time for new tires. Right now.

At the Insurance Center of Milwaukee we know that nobody wants to spend too much time thinking about tires. The good news is you don’t have to. Just a little bit of preparation, along with some routine maintenance, will keep you driving through Bay View, Milwaukee, Greenfield, etc. all winter long.

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.

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.

Fire Pit Safety

Be Careful When You Play With Fire, Even in the Backyard

 It’s a great feeling to hang out with friends and family around a blazing fire in your Milwaukee area backyard — unless that fire blazes a little too much.

While a fire pit can be a wonderful addition to your yard, all fires are potentially dangerous. Before you sit down to roast marshmallows, we (at the Insurance Center of Milwaukee) have gathered up some tips to help you keep that fire in the pit and away from everything else.  While this list is no way all inclusive, it will get you started in the right direction.

Are you legal?

  • Before building or buying a fire pit, check the local regulations to learn about restrictions.
  • Your fire pit may be legal, but a fire might not always be. Monitor and follow community burn bans.

What kind of pit do you want?

  • You can buy a fire pit or build one. If you choose to build, there are plenty of resources online to help you design it. If you plan ahead, you’ll have a better — and safer — spot to enjoy.
  • If you want convenience, a propane model might be right for you. They produce less smoke and have an adjustable flame.

Ready to build your fire?

  • Ensure the area under and around the fire pit is clear of flammable materials. Keep the pit at least 10 feet from any structures.
  • Before you start the fire, have a fire extinguisher or a garden hose handy.

Okay, now are you ready to build your fire?

  • Choose hard, seasoned woods. Sparks from softer woods can increase the danger of igniting something nearby.
  • Don’t use liquid fuels or paper/cardboard in your fire.
  • Don’t overload a metal pit and always use the included safety screen.

Is the fire out?

  • When you’re done, spread out the ashes and let them cool off for a bit. Then gently pour water or sand over them. Stick around for a little while to watch for flare-ups.

We want you to have plenty of nice, warm nights — without getting burned. Here’s to making memories around the fire!

Condo Insurance

Condo or Condon’t — Condo Insurance

You’ve taken the plunge and opted for the condo life.  Now that the papers are signed, it seems like everything is taken care of for you—building maintenance, roof repairs, landscaping, insurance, etc.  It’s time to relax because everything is covered, right?

Not quite.  The insurance policy provided by the condo association typically covers the building structure and common areas, but what about potential damage to your unit (carpet, cabinets, etc) and covering your belongings?  Without a personal condo insurance policy, you could be left holding a large invoice if your unit is damaged in a fire, has water damage from a broken pipe, etc.

Most condos need two insurance policies.

Master Policy:  Generally provided by your condo association, this policy typically covers the physical structure of the building, including basement, roof, walls, elevators, lobbies, etc.  Coverage usually includes both physical damage and liability (for the association). Get a copy of the policy so you know what’s covered.

Personal Condo Policy:  This will cover additional structural damage to your unit, including cabinets, appliances, personal belongings, and more.  This also covers living expenses if you fall victim to a covered disaster and are displaced from your condo.  Many insurance carriers, such as Safeco InsuranceTM, offer enhancements that include personal property protection in your condo insurance policy. Safeco’s Full Value Contents® protection will pay the full replacement cost of your belongings, not just what they are worth today.

Contact us today at the Insurance Center of Milwaukee if you have questions!  Our phone number is 414-744-6614.

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!

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!