Congratulations! You’re going to be a parent. You’ve probably thoroughly researched the safest baby gear around and obsessed about nursery décor, but there’s one more thing to put on your pre-baby to-do list: Make sure your baby’s car seat is properly installed and you know how to make sure your baby is safely in place. [Read more…]
Did you know that your Renters Insurance or Homeowners Insurance policy may cover your possessions that are in a storage facility? Do you know what determines whether they will be covered, in case they become damaged or stolen?
Since the 1960s, when the first self-storage facilities opened their doors, the market for storage units has continually expanded. While needing a solution for short-term logistical issues (between moves, for instance) once provided the primary market for these units, today more than 50% of renters store anything they have that won’t fit in their homes. [Read more…]
In Part 1 we looked at several issues that relate to Renters Insurance, and now we’ll continue that discussion with a few more issues to consider.
Renters Insurance Typical Coverage
Under the umbrella category of Homeowners Insurance, the most popular type of Renters Insurance policy is an HO-4. “HO” refers to all types of Homeowners or Renters Insurance policies, and HO-4 is specifically designed for renters. It covers damage or loss of a rental unit’s contents, as a result of a variety of causes, including the following: [Read more…]
Allstate Insurance provides a free home inventory app for your use!
After creating a home inventory, whether it is in paper format or digital format, you should store it in a safe location away from your residence, such as in a safety deposit box. Then, if disaster strikes, you can be sure that your insurance company will have all the information they need to replace your belongings and get your life back to normal as quickly as possible. The advantage with Allstate’s Digital Locker App is that your information is stored securely in the cloud and can be accessed from any digital device through the login information which you set up.
Learn more and download for iPhone or Android: Click here.
Allstate’s Digital Locker App is a free and easy-to-use app that lets you create an inventory of your home’s items and store your information securely in the cloud. Use the application from a smartphone, tablet or desktop to keep a detailed visual catalog of your valuables. Organize your personal property by room or category, take and store photos of your items, and even estimate their value. Digital Locker makes it simple to manage your personal property and access your information quickly should you ever need to make a claim with your home insurance company.
Free For Everyone
Digital Locker is free and open to anyone to use. Simply download the app to get started.
Fast Home Inventory Tool
With the Digital Locker Fast Inventory tool, create and maintain your home inventory by completing small tasks that help you complete your Locker at your own pace.
Watch Your Locker Value
Digital Locker totals the cost of all items in your locker as you add new items.
Easy-To-Use Photo Inventory
Snap new photos or upload existing ones. You can also create multiple items from one image.
Store Your Data Safely
With our cloud-based technology, all of your data is secure and can be accessed from any device at a moment’s notice.
Search Your Locker
Customize your locker with descriptive tags to quickly search and locate relevant items.
Create PDF or CSV exports of all your items or just a few, in the event you ever need to make a claim.
Learn more and download for iPhone or Android: Click here.
If you rent a home or another space, Renters Insurance is an important piece of the equation, providing protection for both your belongings and the liability of the rental property owner. Many property managers require proof of Renters Insurance from tenants, but even if yours leaves it optional, it’s still a good idea.
Either way, there are various types of Renters Insurance policies as well as various levels of coverage, so you’ll want to become familiar with the options before you choose a policy — or update the one you have. [Read more…]
Believe it or not, we insurance agencies don’t look into a crystal ball or roll a series of dice in order to determine your auto insurance premium! Here at Nicholas Insurance, we want to help take some of the mystery out of the premium determination process and help you learn how you can do everything in your power to strive for obtaining the lowest premium possible — if that’s something that’s important to you. Of course, some factors such as age cannot be changed at will, but others are largely affected by choices you make. [Read more…]
Like it or not, none of us can prevent emergency situations; the best we can do is to prepare for them. Somewhere, there’s a balance between being prepared and fretting about the many “what if” scenarios in life, and that line can be difficult to find. When we do face emergency situations — whether they come in the form of natural disasters, accidents, or medical emergencies — we’ll all be more likely to move past the initial tendency to panic if we have a plan in place. [Read more…]
Even if you DIY your home renovation, you probably realize that sometimes it’s actually more cost effective to hire a professional to complete certain aspects of your project. They have the right tools and expertise and can save you valuable money — and sanity! The same is true for dealing with your renovation-related waste. Even if you’re donating or dropping off some of it on your own (read Part 1), you might decide that professional waste-removal will be necessary. If so, here are some general guidelines that can make the process as pain-free as possible.
The Inexpensive Route
A step up from the DIY route, the most cost-effective professional service is usually your normal trash collection service. Simply contact the existing company you use and ask about bulk waste pickup options. The amount they charge will be based on size and/or weight of the waste. Usually similarly priced, companies specializing in renovation waste removal are added options. You’ll want to call around in your area to find out what the best deal would be. [Read more…]
While we all want to do our best to avoid getting into a motor vehicle crash, we also want to make sure we’re prepared, in case one does occur. As with any type of disaster, we can take steps ahead of time to avoid the added burden of panic that comes when we have no clue what to do. It may help to review each of these five using one of your five fingers.
Step 1: Check for Injuries
Of course, you’ll want to start with yourself, being careful not to move until you’re sure you’re not seriously injured. If you are, call 911 or ask someone else in your vehicle or on the scene to do so. If you’re not seriously injured, you’ll then want to check on any passengers and call for help, if needed. Then, make sure your vehicle isn’t causing a hazard for other vehicles; if it is, and it is safe to drive, pull it off to the side of the road. If you cannot move it, turn off the engine, turn on your hazard lights, and prioritize getting yourself and your passengers to safety. If you have road flares, activate them to help other vehicles avoid hitting yours as you wait for help. [Read more…]
Are you itching to get your DIY home renovation on? If so, you might not have thought about one of the unfortunate byproducts of your much-anticipated projects: waste. Whether you’re replacing siding or building a new deck, you’ll probably end up with more overflow than you plan on. Instead of risking your driveway’s appearance as a neighborhood junk yard, overshadowing the beauty of your newly renovated home, you can plan ahead to employ responsible and cost-effective methods to reduce the clutter associated with home construction.
Donate the Good Stuff
While you’ve been waiting to get rid of those dated light fixtures, others might treasure them as the perfect vintage find. Your upgraded appliances might allow you to bless someone who doesn’t have the money to buy an older, basic model, brand new. You can choose from several beneficiaries, helping various community organizations or individuals. With all the reno you’re doing, you probably don’t want to spare the time to drop off or deliver your unwanted items, but if they’re in working order, you can probably get people to come take them off your hands. [Read more…]