Utilization of the latest technology to reduce your likelihood of a claim

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Technology has made significant strides in the past five years, offering homeowners the ability to control and monitor various aspects of their homes through mobile devices and Wi-Fi-enabled routers. By incorporating do-it-yourself tech items into your home, you can mitigate the risk of insurance claims related to burglary, water damage, fire, and freezing damage. Consider these innovative options:

Smart Thermostats: In addition to reducing energy consumption, smart thermostats allow you to monitor your home’s temperature even when you’re away. This feature is particularly useful in preventing frozen pipes and subsequent water damage caused by sudden drops in temperature. Adjusting the thermostat remotely via a Wi-Fi signal helps keep your home protected while you’re abroad.

Smart Garage Door Openers: Ever left the garage door open all night or questioned whether you closed it after leaving the house? Smart garage door openers connect to your Wi-Fi system and send notifications about the door’s status. With a few taps on your mobile device, you can ensure that your belongings remain safe and secure.

Water Sensors: Install water sensors in strategic locations such as behind toilets, near dishwashers, and behind refrigerators with water/ice makers. These sensors alert you to the presence of standing water, helping you detect leaks early and prevent extensive damage. They can be integrated with your existing alarm system or operate independently via Wi-Fi connectivity, with prices starting at around $60 per unit.

Smart Smoke Alarms: Smoke alarms play a crucial role in safeguarding your home against fire and smoke damage. With Wi-Fi-enabled smoke alarms, you can link them to your home security system and receive alerts remotely. Prompt notifications ensure that you can take action immediately, even when you’re away from home.

Smart Locks: Never worry about whether you locked the front door again. Wi-Fi-enabled smart locks allow you to lock and unlock your door using a battery-powered mechanism and a Wi-Fi signal. This convenient feature eliminates the risk of leaving your front door unlocked.

Humidity Monitors: High humidity levels can indicate water leaks or excessive moisture in your home, which can lead to damage. Humidity sensors integrated into devices like thermostats, furnaces, and home video monitors can provide early warnings, allowing you to address potential issues before they escalate.

Embrace these technological solutions to enhance the safety and security of your home. If you have any questions about your home or renters insurance, feel free to contact us for expert guidance on finding the right coverage and pricing tailored to your needs.

How to protect your home while away on vacation

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How to protect your home while away on vacationSummer is the perfect time to embark on a well-deserved vacation, but it’s crucial to take precautions to protect your home while you’re away. By implementing simple measures and adopting preventive strategies, you can deter potential thieves and ensure the safety of your property.

When it comes to safeguarding your home during vacation, there are several important factors to consider. Let’s delve into these points to help you keep your home secure from burglary while you enjoy your time off:

Social Media Awareness:

One common mistake people make is sharing their vacation plans on social media platforms before leaving. This essentially serves as an open invitation to burglars, indicating that your home is unoccupied. Avoid posting about your trip until after you return. By doing so, you prevent potential criminals from being aware of your absence.

Neighbors:

Maintaining a good relationship with your neighbors can be invaluable when it comes to home security. Inform them about your vacation plans, so they can keep a watchful eye on your property. Trusted neighbors can help by collecting your mail, removing newspapers from the driveway, and even putting out the trash, creating the illusion of an occupied home.

Utilize Technology:

Take advantage of the technological advancements available to protect your home. Home security systems have evolved significantly, making it easier than ever to monitor your property remotely. Consider installing devices like Canary, which provides video surveillance and sends you instant notifications when motion is detected at your home. This allows you to view live video feeds, record any suspicious activity, and even contact the authorities if necessary.

Outlet Timers:

A simple and affordable technology solution is the use of outlet timers. These devices can automatically turn on and off lights at different times throughout the night, giving the impression that someone is home. By investing in outlet timers, which cost around $9.00 each, you can create the illusion of activity within your house. For optimal energy efficiency, pair the timers with energy-saving LED bulbs in the lamps you plan to leave on.

Home Maintenance:

Before leaving for your vacation, ensure that your home is well-maintained and secure. Double-check all windows and doors to make sure they are locked properly. Repair any broken locks or hinges, and consider installing deadbolts for added security. Additionally, trimming any overgrown bushes or shrubs around your property can eliminate potential hiding spots for intruders.

Alarm Systems:

If you haven’t already, consider investing in a reliable alarm system for your home. Modern alarm systems offer comprehensive security features, including motion sensors, door and window sensors, and even surveillance cameras. These systems often come with 24/7 monitoring services, ensuring prompt response in the event of an intrusion.

Home Watch Services:

If you plan to be away for an extended period, it may be worthwhile to hire a professional home watch service. These services typically involve regular inspections of your property, ensuring that everything is in order and addressing any issues promptly. Home watch professionals can also maintain your home’s exterior by mowing the lawn, watering plants, and performing other necessary tasks to give the appearance of occupancy.

By implementing these measures, you can significantly reduce the risk of burglary and enjoy your vacation with peace of mind. Remember, a little bit of preparation and attention to detail can go a long way in protecting your home while you’re away.

National Eye Exam Month is Here: What to Know

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August is National Eye Exam month. When was the last time you got your vision checked?

Brown skinned man or doctor interpreting results on a vision machine, while brown skinned woman looks into the machine.

August is National Eye Exam Month! Are you one of the 11 million people who need vision correction? If you’ve never been to the eye doctor, you could have vision trouble and not know it.

Due to the aging population in the United States, the number of visually impaired and blind people is estimated to double by 2030, but some of that may be preventable. Regular eye exams can help you save your vision and correct vision problems that might lower your quality of life.

How Often Should You Get An Eye Exam?

Your age, whether you wear eyeglasses, and your risk level for various eye conditions all impact when you should get an eye exam.

Ages 0-4

Most babies receive an eye exam from their primary care doctor when they come in for their regular physical. Additional attention from an eye doctor is needed if your baby shows signs of a problem – such as eyes that remain crossed after 4 to 6 months of age.

School Age Children

Most children should get an eye exam before their first year of school. Vision trouble at school can lead to various academic and even social problems. Catching vision trouble in its early stages can help your child have their best chance at success in the classroom.

Adults

The Mayo Clinic recommends that adults without vision issues get an eye exam around age 40 and then, as recommended by their eye doctor. Adults should have regular eye checkups every year or two starting around age 60. By age 60, adults are at higher risk for vision problems like glaucoma. Going to the eye doctor regularly can help catch these problems and prevent blindness.

People who wear eyeglasses should get an eye exam every year or two to check for changes in their prescription.

At-Risk People

Some health conditions, like diabetes, can increase the risk of vision trouble and diseases like glaucoma. See the eye doctor more often if you have the following:

  • A health condition that puts you at greater risk for vision trouble
  • You are taking medication that could increase your risk for eye conditions
  • You have a family history of problems like glaucoma

Why Is It Important to Get Periodic Eye Exams?

There are many reasons to get periodic eye exams, including:

  • Safety. Some people with vision problems aren’t even aware of their poor vision until they visit the eye doctor. Poor vision can impact the ability to drive, walk safely in high-traffic areas, and complete everyday tasks like cutting up food. Getting your vision checked and corrected can help you avoid a serious accident.
  • Success at school and the workplace. Blurry vision is a common problem that can impact a child’s ability to see the whiteboard and an adult’s ability to function in the workplace. Getting your vision corrected can help you see correctly and clearly.
  • Some eye conditions have no symptoms in their early stages. Diseases like glaucoma often have no noticeable symptoms until your vision starts to degrade. Seeing an eye doctor is the only way to catch this problem in its early stages.

Protect Your Vision: See the Eye Doctor

Good quality of life starts with good health. Getting your eyes examined can help. See your eye doctor to protect your vision.