Holiday Theft Protection in Seattle, WA | Secord Insurance Agency in Seattle, Washington

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During the holiday season, most of us are focused on family gatherings, good food and giving back. What we may not be thinking about are the thefts that rise during the holidays.  Homes are burgled, car’s contents stolen and identities thieved. There are a few ways that you can help protect yourselves from thieves this holiday season.

Holiday theft protection in Washington:

  • Your home: With all those extra presents sitting around the house, your home can become a target. As soon as you bring the new purchases into your home, take photos and write down serial numbers of your items. Keeping the receipt will also help if you need to file a home insurance claim due to theft. Don’t advertise on social media that you will be/are traveling during the holidays. If you are travelling, let your neighbors and postman know. Your neighbors may be able to lend a watchful eye and perhaps collect any mail or packages that could accumulate on your doorstep. Nothing says “we aren’t home” like a week’s worth of mail or a stoop full of boxes.
  • Your car: If you plan on having a marathon shopping day, do not leave your purchases where they can be seen. This applies to the car trip home as well.  If you are planning to make stops, lock your purchases in the trunk and disable the trunk release. That may help deter thieves looking for a quick score. You should never store purchases in your vehicle for an extended period of time. Auto insurance does not cover items that are not a part of your vehicle. For example, if your car was broken into and a wallet and stereo were stolen you may be reimbursed for the stereo but may not be covered for the wallet. Personal possessions are likely omitted from your car insurance coverage.
  • Your identity: We’ve talked about identity theft before, but during the holidays, this type of theft could be quite common. Make sure when you are out and about to keep a close watch on your wallet or purse. Keep records of your cards and recent transactions and checking your billing statements often to spot any discrepancies. If you do a lot online shopping, make sure to verify that the sites you purchase from are reputable and have good security. Sites that are https:// secured or Norton or Google verified are a great place to start. If you do notice a fraudulent charge or suspect your identity has been stolen, be sure to alert your bank and in some cases, your insurance agent (as home insurance can sometimes cover identity theft), immediately.

With these holiday theft protection tips, keeping your home, car and identity safe during the holidays (and the rest of the year) doesn’t have to be hard work! Talk to your local, Seattle, WA insurance agent to see if your home insurance offers protection against identity theft. Secord Insurance Agency can also assist you with scheduling major purchases like jewelry, art or collectibles to your home insurance and make sure that your vehicle is covered in case of theft or vandalism. You can also visit their insurance website 24/7 for more information about the other insurance products they offer like personal umbrella insurance.

Holiday Safety Issues in Seattle, WA – Secord Insurance Agency

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Planning on hosting a Thanksgiving feast this year? While you are busy getting the ingredients, décor and all the last minute details put together, don’t forget to think about some of the safety issues that surround hosting a gathering.

Holiday Safety Issues in Washington:

  • The food: No bones about it, Thanksgiving usually includes a lot of food. Food prep safety is very important when dealing with the main event: the turkey. Unless you have purchased a fresh turkey (lucky you!) you will have to unthaw your turkey which can take quite a while. According to the United States Department of Agriculture Food Safety and Inspection Service, the two best – and safest – methods for unthawing a turkey is in the fridge with a temperature of 40 degrees or below. To unthaw a turkey with this method, you will need to allow 24 hours for every four to five pounds of bird. The other option is a cold water bath in the sink, for which you should allow 30 minutes per pound of bird to achieve total defrost. For either of these methods, you will need to make sure that your work/storage space for the turkey is cleaned and sanitized. Make sure to wash your hands well after handling raw meat, as you could spread bacteria like salmonella to other dishes on your table. If you plan on stuffing your turkey with dressing, make sure that the internal temperature of your dressing reaches at least 165 degrees Fahrenheit to help ensure safety. Your turkey should also be cooked to at least 165 degrees Fahrenheit, and the best spots to check the turkey’s internal temperature are the thick portions of the breast, thigh and wing. After your feast has been consumed, take special care to ensure your food is cooled and put away properly as according to the Centers for Disease Control food poisoning spikes during the holidays.
  • The Party: There are so many elements that go into a fun Thanksgiving celebration. Whether your gathering includes lots of décor, watching football or enjoying some spirits, there are a few things that you should be aware of when hosting guests. No one wants to think that a guest will be injured at their gathering, but it can be an unfortunate reality for some. There are a few things that you can do to help mitigate the chance that one of your guests will be injured during your gathering. Make sure that all décor is out of range for tripping. This may mean rearranging furniture or removing floor-based décor items. If you plan on having open flames during your celebration, take special care to make sure that flames are away from areas where they can be easily knocked over or catch other décor items on fire.

We hope that your Thanksgiving feast goes off without any holiday safety issues and everyone makes it home safely with full bellies. Before your celebration, talk to your Seattle, WA insurance agent, Secord Insurance Agency.  Your local insurance experts at Secord Insurance Agency can assist you with ensuring that your home insurance policy includes coverage for fires and liability. You can also increase your liability protection with a personal umbrella insurance policy, just ask your agent if your situation may benefit from a policy like this. You can also visit their insurance website 24/7 to see about the other insurance products they sell.

5 Reasons to Keep your Toy Insurance Year-Round

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For one reason or another, you aren’t going to be using your RV, motorcycle or boat for the next few months. Whether it is due to weather or a busier schedule, you consider cancelling your toy insurance policy on your specialty vehicle. But, not so fast… there are many reasons why you may want to keep that policy in-force in the off-season.

Toy Insurance in Washington:

  • Thieves: You’ve made sure that your toy is all prepped to sit for a while and it is tucked safely away. As much as you can plan to keep your toy safe, it can still be a target for thieves. If you’ve cancelled your insurance policy and your toy is stolen or damaged in an attempted theft, you’re on the hook for your loss. You may have kept a portion of your policy, just liability, which may not cover the theft of your toy.
  • Liability: Your specialty vehicle may be stored, but should someone be injured on it (even if they were there without permission) you may be liable for their medical bills. If your toy becomes dislodged and damages someone else’s property, that repair cost may be your responsibility.
  • Fire: If the unthinkable happens, there is a fire and your vehicle or trailer is damage or destroyed, your loss may not be covered if you cancelled your policy. With natural disasters like earthquakes, floods or windstorms it is possible that your earthquake, flood or homeowner’s insurance may cover your loss if your toy is stored at your home. Check with your insurance agent about this possibility.
  • Temptation: If you toy is insured and there happens to be a perfect day to take out your bike or getaway for the weekend in your RV, if your insurance is year-round there is no need to worry. However, if you cancelled your insurance you will not be covered – not only is that a huge safety (and financial) risk it could also be illegal.
  • Cost: Discounts! Did you know that most insurance carriers offer discounts on toy policies that are kept year-round. Not only will you be covered in case you want to take your toy out for a mid-winter spin, you will also be saving money. It’s a win-win!

It may seem logical to keep your toy insurance in effect while it’s stored for a season, but it could be a huge hit financially if your toy is stolen, damaged or liable for an injury. If you have questions about a year-round policy for your motorcycle, RV, boat or ATV ask the local, independent insurance agents at Secord Insurance Agency in Seattle, WA. Their insurance experts can assist you with amending an existing toy policy or getting you a free quote for a new policy. Visit their insurance website 24/7 for more information about the other insurance products they sell.