You’ve probably heard a lot about “decluttering” lately. Sure, it seems better to live in a tidy and streamlined home that isn’t crowded with stuff, but is it really worth the trouble to be that organized?
Here’s one thing you may have overlooked: Organizing your home could actually save you money.
Intrigued? Find out how cleaning up can be a budget-friendly move:
Uncover Hidden Belongings
Think about all the boxes, crates and bins crammed into your closets, garage or attic. If you had a break-in or a fire, would you even know what’s been stolen or lost?
Keep things organized and avoid loss by doing a home inventory, taking photos of valuables and choosing sturdy, weatherproof storage containers. You’ll probably discover a few items to sell or donate during this process, too.
In addition to making it hard to find what you’re looking for, keeping piles of stuff around can actually be unsafe. Stacks of mismatched boxes can easily topple over, overstuffed cabinets can limit access to fire extinguishers, and obstructed doors and windows block airflow and fire exits.
Thinning out and organizing your stuff can minimize the chance of personal injury and damage to your belongings, which can both be expensive and frustrating.
Finally, taking the time for routine maintenance can help keep insurance costs low and help avoid having to make costly repairs. Go the extra mile by creating a reminder system to help you stay on top of things like changing the batteries in your smoke alarm, replacing air filters and regularly checking on the health and cleanliness of your appliances.
Want more money-saving ideas or have questions about your insurance? Reach out today to one of our team members.
Be sure to also check out some of our other Vick Insurance Group media on Facebook, Twitter, and LinkedIn.
Would you know what to if you were involved in a fender bender?
Even if the damage doesn’t seem significant, you might have a time-consuming and stressful process ahead of you and it’s important to proceed carefully.
If it’s a serious wreck, call 911. Otherwise, here’s what to keep in mind in the event of a minor accident.
What should you do at the scene?
If you accidentally bump another car (or if they bump you), here are a few steps to take:
- First, make sure everyone is okay. Then, if it’s safe, move your vehicle out of the way of traffic.
- Even if the damage seems minimal, call the police.
- Exchange information with the other driver, including full name, phone number and insurance details.
- Take photos of the vehicles involved and document the location, road conditions, the weather and any other relevant details about the scene.
- Were there any eyewitnesses? Try to take their names and contact information, as well.
- When the police arrive, be direct and polite. Make sure you gather their names, badge numbers and contact details and ask about obtaining a copy of the accident report.
It’s also important to contact your insurance company, so reach out as soon as you can to let us know what happened. We’ll walk you through the next steps, start the claim process and guide you through any necessary repairs that need to be made.
What if the other driver leaves the scene?
If the other driver doesn’t cooperate, doesn’t share their information or refuses to stop altogether, you should still stop and call the police. Try to remember as many details as you can (the color, make and model of the car, details from the scene, etc.) and share them with the police.
If you have any questions about how to handle a fender bender or any other claim, reach out to one of our team members today at www.vickinsurancegroup.com, or find us on Facebook, Twitter, and LinkedIn.
Winter is known for being a time of celebration, family gatherings and staying cozy by the nearest fireplace. It’s also a season of potential challenges when it comes to your home, vehicle and health.
Want to keep the season as festive and problem-free as possible? Here are a few tips to help you enjoy the rest of 2019 and beyond:
It’s good advice for any time of the year: Give your home a thorough once-over and complete the maintenance tasks that can prevent you from having to make expensive repairs later on. This includes:
- Examining your roof and gutters and looking for any leaks or obstructions
- Trimming dying tree branches or those that are too close to your house (or your neighbor’s)
- Checking the bulbs in your outdoor lighting
- Insulating pipes in unheated areas and inspecting your windows and doors for any areas that need recaulking or new weatherstripping
On the Road
Winterize your car by checking all its vitals:
- The battery
- Tire tread and pressure
- All fluids, including antifreeze
It’s also wise to keep an emergency kit in your vehicle, especially during the winter. A flashlight, blankets, portable phone charger, first-aid kit, extra batteries and a small supply of food and water are safety must-haves.
Health and Safety
Last but not least, take good care of your family and yourself during cold and flu season by getting a flu shot, washing your hands often and regularly wiping down commonly used items like light switches and remote controls.
And whether you’re getting your home ready for colder weather or the upcoming holidays, always exercise caution when using ladders, power tools, fireplaces and candles.
Want more tips before the upcoming new year? Need to discuss your coverage? Reach out to one of our team members anytime. Stay connected with us through Facebook, LinkedIn, and Twitter.