Three Circumstances that Can Raise Your Home Insurance Premium

As we observe Fire Safety Month this October, it's an excellent time to focus on fire prevention, especially with the holidays just around the corner. With all the cooking and festivities, it's essential to ensure your home is safe from fire hazards. To help you stay prepared, here are some commonly asked questions about fire safety during the holiday season. 1. What should I do if I need to leave the kitchen while cooking? When you're cooking, particularly when frying, grilling, or broiling food, it's important never to leave the kitchen unattended. If you need to step away, even for a short time, turn off the stove to avoid any accidents. 2. What items should I keep away from the stovetop? Anything that can catch fire, such as oven mitts, wooden utensils, towels, and food packaging, should be kept away from the stovetop. It's easy for these items to accidentally come into contact with a hot surface and ignite. 3. Is it safe to wear any type of clothing while cooking? Be mindful of what you're wearing while cooking. Avoid loose-fitting clothing or long sleeves that can catch fire if they come in contact with a gas flame or electric burner. 4. Is deep-frying a turkey safe? Deep-frying a turkey can be dangerous if not done properly. If you must deep fry, always do it outdoors, on a flat surface, and far away from any structures. Alternatively, consider using your stove for a safer cooking method. 5. Should I have a fire extinguisher in my kitchen? Absolutely! It's essential to have a fire extinguisher in your kitchen and know how to use it. A Class K extinguisher, specifically designed for cooking fires, is the best option to have on hand. 6. How often should I test my smoke alarms? Ensure smoke alarms are installed on every level of your home, inside bedrooms, and outside sleeping areas. You should test your smoke alarms monthly to make sure they are working properly. This simple task can save lives. By taking these precautions, you can help prevent fires and keep your home safe during the holiday season. Share this valuable information with your friends and family to help spread fire safety awareness. For more safety tips and updates, be sure to follow and like Anthony Insurance Agency on our social media accounts!

As we approach the mid-year mark (can you believe how quickly time flies?), we at Anthony Insurance Agency want to ensure your coverage is current and aligns with any recent life changes. It's essential to review your coverage periodically, especially after significant life events, as they can impact your coverage and premiums. Here are some common events that may affect your needs: Family Dynamics Changes in family size, marital status, or the unfortunate loss of a family member can significantly impact your insurance needs. For instance, adding a new family member might necessitate more extensive health or life insurance coverage, while a change in marital status might require updating beneficiary designations. Location Changes Relocating to a new address or a student moving away for college can also influence your insurance requirements. Moving to a new home might require adjustments in your homeowners or renters insurance, while a child going to college might need specific coverage for their belongings. Insurance Transitions Turning 26 and transitioning off a parent's insurance plan or experiencing a loss of job-related coverage are critical moments to reassess your insurance policies. These transitions can leave gaps in coverage that need to be addressed promptly to avoid lapses. Miscellaneous Milestones Becoming eligible for Medicare, fluctuations in income, achieving U.S. citizenship status, or transitioning post-incarceration are other significant milestones that can alter your insurance needs. Each of these events can affect the type and amount of coverage that is most appropriate for your situation. If any of these situations resonate with you, please schedule a consultation with us. By updating your coverage, we can ensure you're adequately protected in the most cost-effective manner possible. Let's work together to keep your coverage up-to-date and aligned with your current life stage.