Did you know that there’s something even better than having excellent motorcycle insurance coverage? Honestly, we hope you take advantage of both, but if you choose only one, we hope you choose motorcycle safety gear. There’s plenty of stylish gear out there, but the smart biker will think beyond the brand to make sure to have physical protection in the case of a crash. Head-to-toe protection is extremely important, starting with the head. [Read more…]
Did you know that at any point in time, there are approximately 9 million disabled workers in the U.S.? According to current projections, 1 out of every 4 workers who are currently in their 20s will become disabled before they reach retirement age. The reasons for disabilities are often unpredictable: common causes include arthritis, back pain, cancer, diabetes, and heart attacks. None of us plans for a catastrophic accident or illness, yet none of us is exempt. For the times when a situation is severe enough to keep you from working, Disability Insurance can keep you from financial ruin. [Read more…]
Once you’ve purchased your new bike and then chosen from among the various types of coverage your Allstate motorcycle insurance policy can include, you’ll be well on your way to the road trip adventure of a lifetime! We just hope you’ll take a few minutes to inform yourself of the many benefits that come with your new Allstate Insurance policy you’ve purchased through Nicholas Insurance! Many of these upgrades are included in your Allstate motorcycle insurance policy — yours at no extra charge, just for choosing us! Others are optional, and you can ask your agent at Nicholas Insurance how to make sure you get all of the benefits which you desire! [Read more…]
While preventing house fires and other burn-related injuries is a key element in kitchen safety, you’ll also want to consider other types of potential hazards as you plan for your kitchen remodel.
Reducing the Risk of Slip-and-Fall Accidents
We’re talking about accidents, here — not intentional horseplay. So if you have active children that are simply bouncing off the walls, the ball is in your court, Mom and Dad.
However, some design elements can create unnecessary hazards for people of all ages who are simply walking through your home. [Read more…]
Often referred to as “the heart of the home,” your kitchen is a key ingredient in your family’s sense of togetherness. In fact, family dinners are making a comeback as their significance is being realized more and more. As you create a wish list for your kitchen remodel, you probably have coordinating design elements and enhancing functional community as chief considerations. But have you given a thought to safety?
Even if the kitchen isn’t actually the riskiest room in the house, it certainly can pose many hazards. From burns and cuts to slip-and-fall injuries, the design of your kitchen remodel can help lessen the chances of kitchen-related injuries.
In this post, we’ll look at designing with fire hazards in mind. [Read more…]
Do you have a vehicle that’s been around a while? If you do, you’re not alone: The average age of cars on the road in 2013 was 11.4 years. Not just classic convertibles, but everyday rides to get us from Point A to Point B need a little extra TLC, in order to remain in good working order. As you might imagine, a huge part of the equation is regular maintenance.
Replacing Fluids and Filters
The single most important maintenance responsibility of all automobile owners, is checking and changing the oil regularly. If you fail to do so, your engine will quickly deteriorate. If you get your oil changed professionally, changing the filter is usually part of the deal. You’ll also want to keep track of date and mileage and know the recommended frequency for oil changes on your particular vehicle. [Read more…]
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…]