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Make it a Great Autumn!

Avoid Potential Disasters with These Holiday Hacks

This holiday season you want festivities filled with fun, family, and fab food...not insurance claims. Unfortunately, with each holiday season comes the potential for disaster. As you celebrate this season, keep the following in mind. It may not help with in-law issues, but it will, at least, give you peace of mind.

Cooking: According to the National Fire Protection Association, cooking is the leading cause of residential fires in the U.S. From deep-fried turkeys to pie bake-a-thons to reheating contributions to potluck suppers, cooking for the holidays offers the potential for kitchen fires. To improve your odds, closely monitor long cook times and take precautions to avoid spillovers.

Decorations: Festive decorations can also be fire hazards. Don't leave candles unattended, especially with young kids around.

Plan to clean out your fireplace !

Water your Christmas tree often, don't use lights with frayed wires, and don't overload outlets.

Theft: The holidays are busy times for everyone, including thieves. Take steps to protect your property and your finances. Check your credit card statements and remain vigilant for cyber criminals. Protect more expensive purchases by placing them in a safe rather than under the tree. Also, check your homeowners insurance to make sure purchased gifts are covered; for high-value items, you may need to add a rider to your policy.

1. Improvise. Your story line will be what your cat wants, not the other way around.
2. Forget linear time. See #1.
3. Shoot now, edit later. See #1 again.

Certain areas have more car accidents than usual. Why? Speed limits are too high, corners are too tight, and intersections are less visible. Short of reconstructing the city, how can officials reduce accidents in these areas? Often they'll opt for traffic-calming devices.

Traffic calming aims to improve the safety of pedestrians, cyclists, and drivers by slowing down or reducing car traffic, with the intent of changing driver behavior. There are many different options for controlling speeding traffic within a city. Here are a few of the more widely used:

Speed bumps: These are installed humps measuring approximately 3 to 4 inches high (8 to 10 cm) and spanning almost the entire width of a traffic lane. They are effective at slowing drivers, but unfortunately they also slow emergency vehicles. Older pedestrians may find speed bumps a tripping hazard.

Road painting: Murals painted on the street at certain dangerous intersections may slow down drivers, while at the same time beautifying the neighborhood. A form of street art, this solution is inexpensive to install, although it may not weather the test of time. Several North American cities are adopting this approach.

Chicanes and roundabouts: Chicanes are features that create extra turns in the road over short distances. A shallow S turn, for example, will cause drivers to slow down to navigate the curves.

Roundabouts are circular intersections. Drivers travel around an island in the middle, yielding to other vehicles already in the intersection and slowing down in the process.

As A Tip: I recommend putting a note at the ignition.

"Before you turn the key you Contact your Agent."

Be sure the Coverage is added back before driving.