Preventing Kitchen Fires

According to the American Red Cross, kitchen fires are the leading cause for structure damage and/or total loss. Research based on property claims show that fires are more likely to start in your kitchen than any other room and 90% of them are preventable.

As a preferred homeowners insurance company we know that dealing with this is not only stressful but tragic. We would like to provide you with some tips on ways to prevent and avoid ever having to deal with this situation:

  • Check your smoke alarms regularly and change batteries every year
  • Never leave your stove top unattended as 40% of all kitchen fires occurred while food was still in the pot/pan
  • Always heat oil, water or any substance slowly and be vigilant of your heat controls
  • Never put hot oil or fatty liquids in water as it will make thick smoke and can cause damage to surrounding areas
  • Keep appliances and flammable products such as lighters, cartons, etc. away from the stove top
  • Always use your air vent to help heat and smoke escape safely
  • Keep a fire extinguisher nearby and check expiration date on it
  • If a grease fire starts, do NOT attempt to put it out with water, this will combust and become a very dangerous situation. Instead, cover the flames with a metal lid or cookie sheet, turn off the heat.  If you can’t cover it, dump a cup or more of baking soda on it.

We hope these tips were useful in helping you prevent such a devastating situation. For more information visit redcross.org/homefires

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Dog Bite Prevention Week

Today barks the beginning of National Dog Bite Prevention Week in which we aim to educate people with simple ways on avoiding a bad encounter with these furry friends. We all know dogs are loving, loyal, protective animals but they also need to be taken care of and respected. Our main goal is to make sure we can all give some good belly scratches with no rough play necessary.

Here are a few ways to prevent negative encounters:

  • Be respectful of every dog, always ask if you can pet some else’s dog
  • Let a dog sniff you first, it’s their way of ensuring you’re a human who wants to pet them and not a threatening predator
  • Never disturb a dog when they are eating, sleeping, chewing on a toy or nurturing their little ones
  • Keep an eye on small children, teach them proper ways to approach and pet any dog
  • If you notice aggressive behavior, keep your distance
  • Always have your dog on a leash, even if he’s a good boy

If you are the owner, remember to take your furry friend to regular check-ups.

These tips were found on AmericanHumane.org, check them out for more information.

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Do I Have Homeowners Insurance or Warranty?

Many people wonder who to call if something happens to their home that needs to be assessed, inspected or repaired due to damage. However, what company to call is the most important to know since home warranty is completely different then homeowner’s insurance.

A simple way to describe it is that your insurance company such as Western Mutual protects your home from things that MIGHT happen. This includes things like fire, theft, vandalism and natural disasters except earthquake and flooding as not all homes are susceptible to those perils.

Home warranty on the other hand is optional and protects you from baring the entire expense of repairing or replacing home appliances and system components in the event that they break down. As stated, home warranty is optional and protects you, while home insurance protects your property from potential hazards.

We hope this helped you out for any future occurrences.

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Rainy Days To-Do List

So it’s raining outside and your day has now taken a soggy turn. Don’t worry, here are some ideas on how to make the best of a rainy day:

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  • Plan for some rest and relaxation with face masks, hair treatments, warm baths and soothing music
  • Finally take on organizing your kitchen pantry and junk drawer to make it feel like new again
  • Bake your favorite festive treats, it’ll make your home smell good too
  • Sit and plan your expenses for the week or month, now that you have time and are not out and about spending money
  • Plan a movie night to catch up on all the blockbusters you missed
  • Get a quote on your homeowners insurance with our company and see how much you’ll save

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Child Safety and Protection Month

November is National Child Safety and Protection month in which awareness is raised for the innocent lives lost to often preventable and unintentional injuries. According to the CDC, an average of 12,175 children die each year from accidents like these. It is important to know that safety starts at home with simple measures that can be taken to reduce the risk of these tragedies.

Some safety tips to remember:

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Keep cleaning supplies, medicines, garden chemicals and toxic substances up high and out of reach
Learn to install and buckle up your child’s car seat properly and adjust straps so that they are placed over their chest
Teach children to not play near or on the street and always ask an adult for help if a toy goes past the driveway
Be aware of bodies of water and enforce safety rules such as no running or playing near the water

Always check on kids, whether they are in their room or crib. It only takes seconds for something to go wrong

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Earthquake Preparedness

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Is your home ready for the next big one?

Although earthquakes are unpredictable and years can go by without feeling one, being ready at all times is a must! Everyone knows to take cover and wait it out, but what do you do once the shaking has stopped, will you be ready? A few very important reminders:

  1. Try to maintain close to a full tank of gas in your car at all times (or in portable containers) as gas stations will not operate after a big earthquake.
  2. Share your phone location with family and/or friends so that in the midst of havoc, you can still find each other.
  3. Along with your first aid kit and back up food supply keep a portable charger that can keep your phone alive a little bit longer to call for help.
  4. Check under your sinks for cracks or leakages to make sure you won’t be leaving the house and coming back to a flooded home.
  5. Be ready for aftershocks! Although checking for damages is important, know that aftershocks are more than certain so be prepared to exit or take cover.

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