Insurance News

What to Keep in Your Car for Emergencies

Mon, 08 Dec 2025 14:55:00 GMT

Man changing a tire on the road by Ron Lach

Car trouble can strike when you least expect it. Whether you're facing a dead battery, flat tire, or unexpected weather, having the right gear in your vehicle can make a stressful situation more manageable. A well-stocked emergency kit can help you stay safe, comfortable, and in control while waiting for assistance or fixing the problem yourself. Here’s what every driver should keep on hand.

Basic Tools and Tire Repair Essentials

A flat tire is one of the most common roadside issues, so your emergency kit should include everything needed to fix it or safely wait for help. At a minimum, you should have a spare tire (fully inflated), a jack, and a lug wrench. If your car didn’t come with a full spare, consider a tire inflator or sealant that can provide a temporary fix.

A tire pressure gauge and a portable air compressor are also useful, especially for long drives or seasonal weather changes that affect tire inflation. Keep these items in an accessible spot, ideally near your vehicle’s trunk or under the cargo floor, so you’re not digging for them in a pinch.

Jumper Cables or a Battery Jump Starter

Dead batteries don’t always give warnings. Jumper cables are essential, but they only work if another vehicle is available to help. A portable battery jump starter gives you the ability to handle a dead battery on your own. Look for one with built-in safety features, like reverse polarity protection and USB ports, so you can also charge your phone in an emergency. If you’re not familiar with how to jump a car, keep a small instruction card in your glovebox or save a step-by-step guide on your phone.

Seasonal Items

If you break down in freezing temperatures or get stranded during a winter storm, staying warm is essential. Keep a thermal space blanket or two in your trunk. These lightweight emergency blankets reflect body heat and take up very little room. You can also include an extra coat, a pair of gloves, a wool cap, and a packable poncho or raincoat for staying dry and warm.

Non-perishable snacks like energy bars, trail mix, or crackers can help in long delays. Add a reusable water bottle and keep it filled on long trips. In extreme cold, rotate the water regularly to avoid freezing. If you live in a snowy climate, it’s also smart to carry an ice scraper, folding shovel, and a small bag of sand or kitty litter for traction.

All-Season Convenience Items

In addition to seasonal gear, every emergency kit should have a few year-round essentials. A basic first-aid kit is a must, including bandages, antiseptic wipes, and pain relievers. A multi-tool or utility knife can come in handy for small fixes or opening packages. A flashlight is helpful for inspecting under the hood or signaling for help.

Include phone charging cables, a portable power bank, and a small notepad with a pen. If you ever need to leave a note or record details from an accident, you’ll be glad you have them. Duct tape, zip ties, and a small roll of paper towels or rags can solve dozens of small issues.

Don’t Forget the Insurance

You don’t need to go overboard with gear, but a well-stocked emergency kit gives you peace of mind and practical help when it matters most. Check your supplies at least twice a year and adjust them based on seasonal needs or upcoming travel plans.

While you're reviewing what’s in your trunk, it’s also worth reviewing your auto insurance coverage. Having the right policy can reduce the financial stress of unexpected events and can even provide you with roadside assistance when you need it. Contact us today to make sure your auto insurance is up to date and built to support the way you drive.

Read the full article at www.floridainsmarketers.com

5 Things to Do After Buying a New Car

Thu, 06 Nov 2025 15:10:00 GMT

Side mirror view while driving by JESHOOTS

Buying a new car is exciting, but once the keys are in your hand, there are a few important steps you should take to protect your investment, stay legal, and avoid headaches down the road. Whether you just drove off the lot or sealed the deal with a private seller, here are five smart things to do right after buying a new vehicle.

1. Check Your insurance Coverage

Before you hit the road, make sure your new car is properly insured. This is also a good opportunity to review your auto insurance policy. If your new car is financed or leased, your lender may require full coverage, including comprehensive and collision. You might also consider gap insurance, which covers the difference between your loan balance and the car’s value if it’s totaled.

2. Transfer the Title and Registration

If you bought the car from a dealership, they may have handled the title transfer and registration paperwork for you. If not, you’ll need to visit your local Department of Motor Vehicles (DMV) to register the car in your name and ensure the title is properly transferred. Be prepared to bring your bill of sale, proof of insurance, personal ID, and any emissions or inspection certificates your state requires.

Some states have tight windows for registration, and late fees can add up quickly. If you’re moving from out of state or transferring plates, the process may involve additional forms. Make sure to ask whether taxes or fees are due at the time of registration, and keep a copy of all submitted documents for your records.

3. Store Your Paperwork Safely

Your new vehicle comes with a small stack of important documents. Don't lose them in the shuffle. Safely file away your title (or loan paperwork, if you’re financing), purchase agreement, registration, and any warranty documents you receive. Keep digital scans saved securely as a backup.

Make sure your registration and proof of insurance are kept in the glovebox or center console, where you can access them easily if you're pulled over or need to provide documentation after an accident. If your car includes a roadside assistance program or has specific service instructions, those should be kept handy as well.

4. Get to Know Your Vehicle

Every car is different, even if you’ve owned the same brand or model before. Take time to familiarize yourself with your vehicle’s features, dashboard warning lights, safety technology, and convenience systems. Read through the owner’s manual to understand maintenance timelines, fuel type requirements, and emergency instructions.

You should also take a moment to locate the spare tire, jack, jumper cable connections, and other roadside essentials. If your vehicle includes modern safety features like lane assist, blind-spot monitoring, or automatic braking, make sure you understand how they work and how to turn them off, if necessary. The better you know your car, the more confident and safe you’ll feel behind the wheel.

5. Schedule Preventative Maintenance

Even brand-new cars benefit from early preventative care. If you purchased a used vehicle, it’s especially important to schedule a basic inspection with a trusted mechanic. They can check for wear on tires and brakes, fluid levels, battery condition, and any early warning signs of mechanical issues.

Ask your service provider to enter your vehicle into their maintenance schedule system so you're notified when oil changes, tire rotations, or inspections are due. Staying on top of routine maintenance helps preserve your car’s value, extend its lifespan, and minimize the risk of unexpected repairs.

Drive Confidently with the Right Coverage

Whether your new vehicle is a daily commuter, a weekend cruiser, or your family’s main ride, the right insurance policy helps give you peace of mind for the unexpected. It’s also important to think beyond just your vehicle. If you’ve added a teen driver to your household, moved to a new address, or changed jobs and are commuting more or less, your insurance needs may have shifted. Regularly reviewing your policy ensures you’re not overpaying for outdated coverage or missing out on important protections.

Peace of mind behind the wheel starts with knowing you're covered when it matters most. Contact us today for a fast, friendly auto insurance review, and drive confidently knowing your policy is up to speed with your life.

Read the full article at www.floridainsmarketers.com

Choosing the Right Umbrella Insurance Policy: A Guide to Extra Liability Coverage

Thu, 04 Sep 2025 14:35:00 GMT

Multicolored umbrellas by Pixabay

When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance—a type of coverage that goes beyond the limits of your existing policies to protect you from substantial financial risk. Choosing the right umbrella policy can provide peace of mind, especially if you have significant assets to protect.

What Is Umbrella Insurance?

Umbrella insurance is designed to offer an extra layer of liability protection, stepping in when your standard insurance coverage limits have been reached. For example, if you are responsible for a major car accident or face a lawsuit due to an injury on your property, the legal costs and damages might exceed your auto or homeowners liability coverage. Umbrella insurance covers these additional costs, ensuring that you’re not left financially vulnerable.

Why You Might Need Umbrella Insurance

The primary purpose of umbrella insurance is to protect your assets from large lawsuits or liability claims. If you have a high net worth or are at greater risk of being sued, umbrella coverage can help safeguard your financial future. Here are a few common scenarios where umbrella insurance could be crucial:

High Liability Risk: If you own rental properties, regularly host guests, or participate in activities that increase your liability risk (e.g., owning a swimming pool or having pets), umbrella insurance can help protect you from lawsuits.
Significant Assets: If your assets exceed the liability limits of your current policies, an umbrella policy is intended to ensure that those assets are protected from being lost in a lawsuit.
Peace of Mind: Even if you’re not wealthy, umbrella insurance provides extra protection for legal expenses and liability claims, giving you the confidence to handle unexpected events.

Factors to Consider When Choosing an Umbrella Policy

The primary reason for purchasing umbrella insurance is to protect your assets. Calculate the value of your assets, including property, savings, investments, and future income, to determine the level of coverage you need. If your net worth is higher than the liability limits of your home or auto insurance, an umbrella policy is essential to cover the gap.

Your lifestyle and circumstances can increase your exposure to liability claims. If you engage in activities that could lead to a higher risk of accidents or lawsuits, such as owning a boat, frequently entertaining guests, or having a dog, an umbrella policy can provide extra protection. Even professions that expose you to public criticism or online interaction, such as bloggers or influencers, may benefit from an umbrella policy to cover defamation risks.

Review Your Current Insurance Policies

Before purchasing umbrella insurance, review the liability limits on your existing policies to ensure they meet the minimum requirements. Most insurers will require you to carry a certain amount of liability coverage on your auto or homeowners policy before you can add an umbrella policy. Umbrella insurance can be surprisingly affordable for the level of protection it provides.

Many life events can signal the need for an umbrella policy. If you’ve recently purchased a home, accumulated significant savings, or taken on more liability risks, it’s a good time to consider additional protection. Similarly, if you’ve reached a stage in life where you’re worried about protecting your assets for future generations, umbrella insurance can offer invaluable peace of mind.

Choosing the right umbrella policy is about balancing your need for additional liability protection with the risks you face in everyday life. By evaluating your assets, understanding your risks, and reviewing your current insurance coverage, we can help determine the appropriate level of umbrella insurance to provide an extra layer of financial security. Contact us today to review your coverage.

Read the full article at www.floridainsmarketers.com

Insurance Tips for First-Time Homebuyers

Mon, 09 Jun 2025 13:14:00 GMT

Aerial view of a neighborhood by David McBee

Buying your first home is an exciting milestone, but it also comes with a learning curve, especially when it comes to homeowners insurance. With so many options and coverages to consider, it’s important to understand what you're buying and how to make sure your new investment is properly protected.

Here are a few tips every first-time homebuyer should know when shopping for homeowners insurance.

Know What Your Policy Actually Covers

Many standard homeowners insurance policies include four main types of protection: your home’s structure (the dwelling), personal belongings, liability coverage, and additional living expenses if your home becomes uninhabitable due to a covered loss. However, every policy has exclusions and limitations.

For instance, damage from floods or earthquakes usually requires separate coverage. And your personal property coverage may have sub-limits for high-value items like jewelry, artwork, or electronics. Review the policy in detail and ask questions about what’s included, and what isn’t. Knowing your coverage ahead of time prevents surprises when you file a claim.

Don’t Just Focus on Price

While budget is always a factor, choosing the lowest premium shouldn’t be your only consideration. A cheaper policy may come with higher deductibles, less comprehensive coverage, or lower limits, leaving you vulnerable when it matters most. Instead, you may want to look for a policy that provides replacement cost coverage (not actual cash value), so you’re reimbursed for the full cost to repair or replace items without depreciation.

Ask About Additional Coverage Options

If your home is in a flood zone or earthquake-prone area, you’ll likely need an additional flood insurance policy for that type of coverage. You may also want to consider endorsements or riders (additions to your policy) for things like sewer backup, identity theft protection, or extended replacement cost coverage. Optional add-ons vary by insurer, so it’s worth discussing your home’s unique needs with your agent to ensure you're not leaving gaps in coverage.

Update Your Policy as Your Life Changes

Your homeowners insurance policy should evolve with you. If you make upgrades to your home, like finishing a basement, remodeling a kitchen, or adding a deck, you may need to adjust your dwelling coverage to reflect the increased value.

Likewise, buying new furniture, electronics, or valuables might require increasing your personal property limits. An annual insurance review can help ensure you’re properly insured if something unexpected happens.

We’re Here to Help You Start Off Right

As a first-time homebuyer, understanding your insurance coverage can help you avoid costly gaps in protection. With the right coverage in place, you can enjoy your new home with peace of mind. Contact us today for a personalized home insurance review and get the protection you need as you step into homeownership.

Read the full article at www.floridainsmarketers.com

Is Your Home Ready for Severe Weather? How to Protect Your Property

Wed, 19 Mar 2025 12:04:00 GMT

Exterior view of a suburban home by Binyamin Mellish

Severe weather can strike at any time, bringing heavy rain, strong winds, hail, snow, or extreme heat that can damage your home. Preparing your property in advance can minimize potential damage, reduce costly repairs, and keep your family safe. Whether you’re dealing with hurricanes, tornadoes, blizzards, or thunderstorms, here are key steps to protect your home from severe weather.

Secure Your Roof and Gutters

Your roof is your home’s first line of defense against extreme weather. Inspect it regularly for missing or damaged shingles, cracks, or signs of wear. Loose or deteriorating shingles can allow water to seep inside, leading to costly damage. Consider reinforcing your roof with hurricane straps or impact-resistant shingles if you live in an area prone to high winds or hail.

Gutters and downspouts should be clear of debris to prevent water buildup. Clogged gutters can lead to roof leaks and water pooling around your home’s foundation, increasing the risk of flooding. Installing gutter guards can help keep leaves and debris out, allowing water to flow freely.

Reinforce Windows and Doors

High winds and flying debris can easily break windows and doors. Consider installing storm shutters, impact-resistant windows, or heavy-duty doors for added protection. If a storm is approaching and you don’t have storm-resistant windows, boarding them up with plywood can help prevent shattering. Sealing any gaps around doors and windows with weather stripping or caulk can also prevent water intrusion and improve insulation. This is particularly important for areas prone to hurricanes and extreme cold.

Trim Trees and Secure Outdoor Items

Overhanging tree branches can pose a significant risk to your home during storms. Strong winds or heavy snow can break branches, causing them to fall onto your roof, windows, or vehicles. Regularly trimming branches away from your home reduces the chances of storm-related damage.

Additionally, secure or store outdoor furniture, potted plants, grills, and decorations before a storm hits. High winds can turn unsecured items into dangerous projectiles that can break windows or damage siding.

Prepare for Flooding and Water Damage

Flooding can occur from heavy rainfall, hurricanes, or melting snow, leading to extensive damage. If you live in a flood-prone area, consider elevating appliances and electrical systems in your home. Installing a sump pump with a battery backup can help keep your basement dry during power outages.

Using sandbags and waterproof barriers around entry points can reduce the risk of floodwater entering your home. If your area is prone to flash floods, having an evacuation plan in place is crucial to ensure your family’s safety.

Check Your Home’s Insurance Coverage

Severe weather is unpredictable, but proactive home maintenance and preparation can help reduce risks. By reinforcing your roof, securing outdoor items, preventing water damage, and ensuring proper insurance coverage, you can protect your home and family from costly storm-related damage.

No matter how well you prepare, severe weather can still cause unexpected damage. Reviewing your homeowners insurance policy annually can provide peace of mind, ensuring you have adequate coverage for storms, flooding, and other natural disasters.

Contact Florida Insurance Marketers for a home insurance policy review. Our experts can help you understand your current coverage and recommend any necessary adjustments so that you can feel confident that your home is properly protected against severe weather.

Read the full article at www.floridainsmarketers.com

How to Extend the Life of Your Roof with Regular Maintenance

Wed, 12 Feb 2025 17:12:00 GMT

Aerial view of a roof by Tina Nord

Your roof is one of the most important parts of your home, protecting you from the elements and keeping your family safe. However, it’s often an overlooked aspect of home maintenance. With proper care and attention, you can significantly extend the lifespan of your roof, saving money and avoiding costly repairs down the line. Here’s how to keep your roof in top shape.

Keep a Close Eye on Your Roof’s Condition

Regular inspections are key to catching problems early. Small issues like cracked or missing shingles can quickly escalate into bigger problems if left unchecked. Walk around your home periodically and look for visible signs of damage, such as sagging areas, discoloration, or loose shingles. After severe weather, take extra care to inspect your roof for damage caused by wind or hail.

Don’t forget the underside of your roof. Check your attic for signs of leaks or water stains, which can indicate problems that may not be visible from the outside. Regular checks can help address minor issues before they turn into costly repairs.

Focus on Proper Water Drainage

Water is one of your roof’s biggest enemies, and keeping your drainage system clear is essential. Clogged gutters can cause water to pool on your roof, leading to leaks, mold, and structural damage. Make it a habit to clean your gutters at least twice a year, particularly during the fall and spring when debris buildup is common. Installing gutter guards can save time and reduce the frequency of cleanings. Ensure downspouts are directing water away from your home’s foundation to prevent flooding and water damage.

Moss and algae can weaken roofing materials and lead to premature aging. If you notice green or black streaks forming on your roof, it’s time to take action. Use a gentle cleaning solution designed for roofs or consult a professional to safely remove these growths. Preventative measures are equally important. Zinc or copper strips installed along the roof’s ridge can help deter moss and algae by releasing small amounts of mineral that inhibit growth when it rains. Keeping your roof clear of organic debris like leaves will also reduce the likelihood of growth.

Prevent Damage from Nearby Trees

Overhanging tree branches can potentially damage your roof. They can scrape against shingles, cause physical damage during storms, and drop debris that clogs gutters. Trimming branches that are too close to your roof is a simple but effective way to protect it. For large or high branches, it’s best to contact a professional tree-trimming service to ensure the job is done safely and without risking injury or damage to your home. Professionals have the tools and expertise needed to handle these tasks efficiently.

Beyond trimming, consider the types of trees near your home. Trees that shed frequently, such as pines or oaks, may require more regular attention to keep your roof clear of debris. Regular maintenance in this area can go a long way in preventing unnecessary wear and tear.

Protect Your Investment with Home Insurance

Routine maintenance and attention to detail will ensure your roof stays in great shape for years to come. Whether it’s cleaning gutters, trimming trees, or scheduling professional inspections, consistent care pays off. For additional peace of mind, ensure your home insurance policy provides adequate coverage for roof damage. Contact us today to review tailored insurance solutions that protect your investment.

Read the full article at www.floridainsmarketers.com

Quick Tips to Protect Your Vehicle from Thieves

Fri, 20 Dec 2024 21:56:00 GMT

Car parked at night by InstaWalli

Car theft is a frustrating and costly experience that affects thousands of vehicle owners each year. While most modern cars come equipped with advanced anti-theft features, thieves are becoming more sophisticated, making it essential to take proactive steps to safeguard your vehicle. Here are some practical tips to protect your car from being stolen and how the right auto insurance policy can provide an added layer of protection in case you fall victim to auto theft.

Practical Tips to Prevent Car Theft

Lock Your Doors and Roll Up Windows

It may seem obvious, but a significant number of thefts occur because vehicles are left unlocked or windows are partially open. Always double-check that your car is secure before leaving it unattended.
Park Smart

Opt for well-lit, high-traffic areas when parking your car. Thieves are less likely to target a vehicle in a location where they can be easily seen. Whenever possible, use secured parking lots or garages.
Don’t Leave Valuables Visible

Items like electronics, bags, or even loose change can attract thieves. Keep valuables out of sight, preferably locked in the trunk or removed from the vehicle altogether.
Install a Car Alarm or Anti-Theft Device

Audible alarms and steering wheel locks serve as strong deterrents for thieves. For additional security, consider advanced anti-theft systems like immobilizers or GPS tracking devices that can help locate your car if stolen.
Use Technology to Your Advantage

Modern tools like dash cams and vehicle tracking apps can alert you to suspicious activity and help authorities recover your car faster.
Keep Your Keys Secure

Never leave spare keys inside the vehicle or in obvious hiding spots. For keyless entry systems, consider storing your fob in a signal-blocking pouch to prevent relay attacks. (A relay attack is a method of using a device near your key fob to receive its signal and then forwarding that signal to your car so it can unlock or even start.)
Remove Your Garage Opener

If you park outside, don’t leave your garage door opener in your car. It could tempt thieves to break into your car and give them easy access to your home.
Keep Your Registration and Title Out of the Car

Storing these documents in your vehicle can make it easier for thieves to sell or impersonate ownership. Keep them in a secure location outside your car.
Avoid Leaving Your Engine Running Unattended

Even if you’re stepping away for just a moment or warming up your vehicle in your driveway, always turn off your engine and take your keys when you leave the vehicle. An unattended running car is an easy target.

How Insurance Protects You Against Theft

Even with the best precautions, car theft can still happen. If it does, and if you have insurance coverage, it’s essential to contact your insurance provider promptly, file a police report, and gather documentation such as the vehicle title or registration.

In such a situation, having the right insurance policy in place can help provide not only financial protection but also peace of mind. Reviewing your insurance policy regularly ensures you understand your coverage and can make any necessary updates based on your needs or changing life circumstances. Contact Florida Insurance Marketers for a review of your auto insurance policy. We’ll help you understand your options and will make sure your coverage meets your needs, so you can drive (and park) with confidence.

Read the full article at www.floridainsmarketers.com

Benefits of Using a Dash Cam

Wed, 15 Sep 2021 18:56:00 GMT

Dash cam by Proxima Studio / Depositphotos.com

More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are involved in a crash or other incident on the road. Here's how a dash cam can benefit you.

Document What Happened in a Crash

Car crashes can be incredibly traumatizing, and this can greatly impact your memory of the event. Not only that, but you and the other driver are likely to differ in your accounts of what happened. With a dash cam, you'll have the footage to prove exactly what happened leading up to and during the incident.

You can then provide this information to law enforcement and your insurance company to ensure everything proceeds as it should. If the other driver was at fault, this would also maximize your chances of getting a fair settlement from their insurance company. Some drivers may omit information to avoid fault, and your dash cam footage can fill in the gaps to provide a more complete story.

Avoid Traffic Tickets

Police officers are human just like the rest of us, and that means that they can make mistakes too. If you have received a ticket and don't believe you actually committed the offense they said you did, dash cam footage can help to get the charges dismissed. Of course, it won't help if you actually were in the wrong, but it can minimize the risk of officer error.

Find Out How You Got That Door Ding

Some dash cams are always on, even when you're not in your car, and can detect when something bumps into your car. When that happens, they store video from a minute or two before until a minute or two after the bump so you can see what happened, possibly even catching the license plate of the car that was responsible for causing the damage.

Share Your Adventures

If you enjoy off-roading or track racing in your vehicle, a dash cam is the perfect way to document your activities. You can then share the videos later with your friends. Just remember to keep your attention on driving, and put the dash cam out of your mind until it's time to retrieve the video later.

Equip Your Vehicle with a Dash Cam to See All the Benefits

We're sure you can come up with many other benefits besides these once you get started with your own dash cam. These devices are affordable and easy to set up, so just about anyone can add a dash cam to their vehicle. Dash cams are available from several manufacturers and with many different options to fit your needs and your budget.

Read the full article at www.floridainsmarketers.com

How Independent Agents Are Different from Captive Agents

Wed, 15 Sep 2021 14:00:00 GMT

Client Meeting by Goodluz

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not the same, and it's important to understand the differences.

Captive Insurance Agents

A captive agent works for a single insurance company, either as an employee of that company or as an independent contractor. This means that a captive insurance agent will be limited to the specific insurance products offered by that particular company, so they won't be able to help you if you need a type of insurance they don't offer, or shop around to find the best deals on the market.

The insurance company may also push certain products, so there is no guarantee that you are truly getting what is best for you, and not just what is best for the company.
Independent Insurance Agents

An independent agent is not controlled by any one insurance company, and instead works with multiple insurers. This means independent agents have access to all of the insurance products and services offered by all of the companies they represent.

As a result, it's often the case that an independent agent will be able to help you with all of the products you need, even if those products come from multiple insurance companies.

As an independent insurance agency, we are not bound to a single company and can assist you with insurance products from multiple providers. This enables us to shop around to get you the best possible rates for you. We offer a wide range of insurance products, and we can help tailor a plan that fits your specific needs and budget.

We also take customer service very seriously. If you need to file a claim, we’ll walk with you and work on your behalf throughout the process. We’re available for questions, and we can even regularly review your policy to ensure it is still the best possible fit for you.

To see how an independent insurance agent can help you, or to find out how much you might save by switching, get in touch with us today.

Read the full article at www.floridainsmarketers.com

Your Home Maintenance Checklist for Fall

Tue, 03 Nov 2015 22:00:00 GMT

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the corner, too.

Before the rain and cold take over, it’s time to do some routine maintenance to get things in shape for the months ahead. Besides, preventative maintenance can help you save money and keep you and your family healthy. That’s well worth your time.

Here are some tips to help you get started:

Fall Maintenance Outside Your House

Check your roof: Remove moss from sloped areas and clear any debris from gutters and downspouts. Additionally, look for signs of damage/wear and make repairs as soon as possible. Use binoculars if you need to. Fall is no time for a leaky roof!
Look out for critters: Rodents and other animals might be looking for warm places to hide out, and they can cause big problems if one of those places happens to be in your home or garage. Watch for termites, roaches and other insects as well, and call a professional if you need assistance. (And, be sure to check the basement and crawlspace, too!)
Get hoses ready for the cold: When the weather starts to turn, drain water from outdoor hoses, faucets and irrigation systems. Place covers on faucets as necessary.
Inspect your vents and ducts: Attic vents, dryer vents and exhaust ducts should be clear (check inside and out).
Watch those windows: Clean window wells and check drainage.
Walk around: If you have cracks in your driveway or other walkways, address them now — freezing weather will only make them worse.

Fall Maintenance Inside Your House

Keep things dry in the crawlspace, basement and attic: If you have a sump pump, make sure it is in good working condition, and check for wet spots or puddles in the crawlspace.
Look for leaks: Give your water heater (have you drained it lately?) and boiler a quick exam, and don’t forget your water main/meter or well pump.
Do some fall cleaning: Clean and tune your furnace, boiler and/or water heater, along with your oven and range.
Seal things up: If you feel any drafts around windows or doors, now is the time to address them. And, check your attic insulation, too.
Check your smoke and carbon-monoxide detectors: Even ones that are powered through your home’s electrical system typically have a backup battery that might need replacing.
Get ready for fireplace season: Make sure there’s no soot or creosote accumulation, and consider having a chimney sweep do an inspection.
Speaking of fires... do you have fire extinguishers in your home? You should (one per floor, at least). The pressure indicator should show a charge, and the lock pin should be intact.

One final tip: Since these lists largely are about keeping your family safe and comfortable, this also is a fine time to revisit (or create) your family emergency escape plan and emergency kit. Make sure everyone knows how to get out of their room, and where to meet once they’re out of the house. Your home is replaceable, of course — your family isn’t.

Reposted with permission from the original author, Safeco Insurance.

Read the full article at www.floridainsmarketers.com