Tornado Tips: How to Be Prepared

It’s important to be prepared and know what to do in the event of a tornado. Know the warning signs and how to protect yourself.

Tornado Shelter directional street sign with backdrop of dark and cloudy skies

This time of year, the trees are budding, flowers are starting to grow, and the skies begin to fill with ominous storms. Late spring and early summer are the most active time for tornadoes.

While most tornadoes occur in “Tornado Alley,” in the central part of the United States, tornadoes can occur (and have occurred) in all 50 states. In fact, there are about 1,200 tornadoes each year in the U.S.

While tornadoes can be deadly, there are many things that you can do to protect yourself and your family. Having an emergency plan, knowing when a tornado has been sighted, and seeking shelter are all ways you can be prepared.

Create an Emergency Plan

Have an emergency plan to protect yourself and members of your household during a tornado. An emergency plan is essential if you live where tornadoes are common, but remember, a tornado can happen anywhere.

Know Where to Take Shelter

The safest place to take shelter during a tornado is in a basement or a windowless space in the middle of the structure on the lowest floor. If you live in a mobile home, know a building near your home where you can seek shelter during a tornado. If there are no buildings nearby where you can go, consider building a tornado shelter for your home.

Create An Emergency Supply Kit

Keep an emergency supply kit in your house in case of a tornado. Below are some items that you should keep on hand:

  • 1 Gallon of water per person per day for 3 days
  • Non-perishable food
  • First aid kit
  • Flashlight with batteries
  • Radio with batteries
  • Toilet paper
  • Whistle to signal for help
  • Sleeping bag and warm blanket

See the National Weather Service website for a complete list.

Teach Your Children How to Stay Safe in a Tornado

Teach your children about tornado safety to reduce feelings of panic and help ensure an orderly response in the event of a tornado. Teach your children what a tornado is, how to know when a tornado watch or warning is in effect in your area, and how to shelter at home and school.

Know the Signs and Warnings

One way to protect yourself is to be familiar with the signs and warnings that can signal a tornado.

What’s a Tornado Watch?

A tornado watch is a signal broadcast through local warning systems and the media to indicate the conditions are suitable for a tornado. During a tornado watch, it’s important to pay attention to the radio and television (to stay attuned to the weather conditions) and take shelter if necessary.

What’s a Tornado Warning?

A tornado warning is a signal that a tornado has been spotted in an area. During a tornado warning, taking shelter in a designated area is critical.

Know Your Local Alerts

Local alerts about tornadoes vary. Many places have an outdoor warning system to notify residents that it’s time to take shelter. Know the warning systems in your area and pay attention to alerts during storms or when an alarm is sounded.

Signs of a Tornado

While paying attention to your local alerts, it’s also essential to know the signs of a tornado.

  • Funnel-shaped cloud
  • Large, dark, low-lying cloud or cloud of debris
  • Dark sky or green-colored sky
  • Roaring noise
  • Large hail

Protect Yourself With Homeowners Insurance

An up-to-date homeowners insurance policy is one of the best ways to protect your property in the event of a tornado or other natural disaster. Call your agent today.

Car Theft – Am I Covered?

Insurance coverage and car theft in Seattle, WashingtonWhen a person thinks about car theft, there are a few scenarios to imagine such as personal property items stolen out of your vehicle, car parts stolen from your vehicle, or your car was physically stolen and couldn’t be recovered.

So, the question is, are you covered if you experience any of the following theft scenarios? The answer varies based on what type of auto insurance coverage you purchased.

Comprehensive coverage on your auto insurance policy typically provides coverage if your car was stolen (and was never recovered) or if you had car parts stolen out of your vehicle. If you do not have this coverage on your auto insurance policy, your insurance carrier cannot offer you any assistance.

Common Car Parts Targeted in Vehicles Recently

The past few years, thieves have been targeting catalytic converters in vehicles. This car part not only has precious metals that makes it valuable to re-sell, but catalytic converters can be easy to steal due to its location in a vehicle. Also, some vehicles tend to be easier to target this parts than others along with some being more valuable parts than others. The best tip here would be to park your car in a well-lit area.

If you had your catalytic converter stolen from your vehicle and you had comprehensive coverage on your auto insurance policy, you should be covered by your insurance policy.

My Car was Stolen – But It Has Been Recovered Vandalized

Vandalism is included with comprehensive coverage and should pay for the damages up to your policy limits, less your deductible.

I had personal valuables stolen out of my vehicle – am I covered?

Your auto insurance policy does not offer coverage for stolen personal property items that were taken from inside your car. However, you could file a claim under your home or renters insurance policy.

Thinking of investing in a car alarm system? Talk to your insurance agent to see if you qualify for a discount. Not only do car alarms offer some peace of mind, but you could be rewarded with an insurance discount too.

How to Prevent Car Break-ins

There is only one way to prevent personal property theft out of your vehicle – never leave anything in your vehicle!

Sometimes this is easier said than done.

If you do have to store valuables inside your vehicle, be sure they are out of sight. Investing a car alarm can also bring some peace of mind. It’s also important to know the area where you are parking your vehicle. If it is known for break-ins, always plan on bring your valuables along with you.

Looking to Add Comprehensive Coverage to Your Current Auto Insurance Policy?

Call our agency for a free quote. We can review your current auto insurance coverage or provide you with a new quote that includes comprehensive coverage. We’ll quote our top carriers and help you find the best policy for your needs.

Insurance Options for Boat Owners + Theft Prevention Tips

Insurance Options For Boat Owners in Seattle, WashingtonIf you’re a boat owner, you wait all year for boating season. Whether you take your boat out for a joy ride, take it out every weekend with friends or enjoy fishing trip, boats bring a lot of joy.

If you are a new boat owner, you may be wondering what insurance coverage you may need for your boat.

It’s also important to note that people who have owned a boat for years should still review their insurance policy every few years. Our agency can help determine if your coverage is still sufficient for your needs or if you need to make any changes to your existing policy. An insurance review is free, so work with your agent to ensure you are still properly protected.

Boat insurance isn’t required in every state, but we still feel it is important to have it as there are risks to being a boat owner. Boat insurance is affordable, so we feel it is imperative to have the extra layer of protection. Your home insurance policy may provide you with some coverage if you add it there, but it will be limited in comparison to a boat insurance policy.

Liability insurance:

All boat insurance polices include liability coverage. Liability coverage protects you if you cause damage to something or someone while driving your boat up to your policy limits. We can explain your options for policy limits.

Comprehensive insurance: if you are worried about your boat ever being stolen or vandalized, you will want to add comprehensive insurance to your boat insurance policy. Comprehensive coverage may also pay for damage to your boat from weather related storms or vandalism. If you are financing your boat, you most likely will need this coverage.

Precautions to Take to Avoid Your Boat from Being Stolen

  • Like any vehicle you own, you will want to ensure your boat is being stored in a secured location.
  • Invest in an alarm system. Motion detector spotlights can also scare off a thief.
  • Install a GPS tracking device. If your boat is stolen, this can help track it down.
  • Always lock everything valuable up or remove them from your boat while it is docked.
  • Keep a lock on your trailer. Trailers are insurable too, but require being added.

Uninsured or underinsured coverage: if you get into an accident with another boater who doesn’t have insurance, this coverage can help pay for your passengers injuries or damages to your boat.

Collision insurance: offers coverage for your own boat if you hit another boat or object.

Does boat insurance cover maintenance? Not typically. You are responsible for maintaining your boat.

Equipment – if you use special equipment on your boat, talk to us about insurance coverage. This could include fishing gear or other property. This is not generally included automatically.

Save money on your boat insurance policy

Our agents can help you find insurance discounts for your boat insurance policy. We always shop for all discounts available to you as well as explain your coverage details. Contact us for a free boat insurance quote.