How to Have a Safe Grilling Season

Source: http://www.oklahomafarmreport.com/wire/news/2012/05/00829_SafeGrillingB05232012_113854.php

The weather's getting warmer. Summer officially starts on Wednesday, June 20^th. This means that more people are spending time outside, and families everywhere are firing up their grills. Whether you use gas, or charcoal, the grill can be a deadly device if not properly taken care of or maintained.

Every year gas grills start over 500 fires and injure many people. The carbon monoxide emitted by charcoal grills cause 400 injuries and 20 deaths, recorded by the Insurance Information Institute. These numbers are unfortunately on the rise, and without proper safety precautions that trend will continue to increase.

Most Arkansas home insurances and Arkansas Renter's Insurance will help you with fire damage. You want your insurance to be a safety net, not a resource you have to call upon to raise your premiums. To prevent tragic events and destroyed property, follow these simple(yet often overlooked) tips for grilling out with the family:

• Make sure a fire extinguisher is available in case of an uncontrollable fire. In the event of a grease-fire, baking soda will snuff the flames better than anything else.
• Be familiar with your grill. Find the owner's manual, study it(yawn) and make sure you are aware of any risks your grill may hold, and for proper maintenance procedures.
• Clean the grill thoroughly, including external and internal parts. Any dirt or rust buildup should be cleaned off with a scouring pad or abrasive grill-cleaning device. Cleaning the grill will also make your food taste better, and avoid unsightly and unsanitary grease buildup.
• Inspect the charcoal receptacle, fuel lines, burners and any electronic components and make sure they are still working efficiently. Inspect your propane bottle for damage and proper filling procedure to avoid an explosion or leak.
• Be aware of your grilling station. Make sure it is outside to avoid carbon monoxide poisoning. Also sweep away any brush or other flammable materials to avoid having more fires than you can control!
• Keep your grill on a balanced, even surface to avoid tipping. A grill pad, made of durable plastic or cement, can protect your deck or other surfaces from hot grease and other grill residues.
• Wear a durable apron, tie back any long hair, keep sleeves rolled up or out of the way, and don't wear really baggy pants. These are all fire hazards and can be easily avoided
• When entertaining guests at a party make sure the grill is supervised at all times, especially when the cooking is done. A grill holds heat for a long period of time, and can still burn and set fire if tipped over or touched.
• Keep all children away from the grill. Teach at an early age not to touch the grill, and make sure they understand that only adults should operate the grill. Grill contact is one of the most common ways children under 5 are burned.

We hope you follow these rules for a safe and happy grilling season. If you don't yet have home insurance and are in the Arkansasarea, contact Tberry's Insurance and make sure your family and home will be safe and secure for Summer. Enjoy the sun and wear lots of sunscreen! Call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

5 Easy Ways to Save Money Insuring Your Home

Everyone asks me what are some tips to save money insuring what most everyone has: a home. These 5 tips are very general, but you never know which one you may not have taken advantage of yet. We at Tberry's Insurance hope you can save some money on your home insurance, and we will give you a great quote for the Arkansas area!

Everyone needs home insurance, but you don't need to pay too much!

1.Combining your Insurance Policies

Most insurance companies sell multiple insurance categories simultaneously, and in most cases they will give you a discount for insuring multiple items. Generally you can save as much as 10 to 15 percent off your premium when you get two or more policies from the same insurer.

Always be sure, however, that your final combined price is not higher than getting two different policies with different companies. It always pays to shop around!

2.Keep up that Credit Score

Having a high credit score should already be on your list of important achievements in life. Another added benefit to having a high credit score is it may cut your insurance costs. More and more insurance companies are using your credit score to price your home insurance policies. In cases where your credit score will increase your insurance rates, you can always see and verify what they used to find your credit rating.

You should always be aware of your credit score, and there are many things you can and should already be doing to keep your score high. First, pay your bills on time! Next, keep your credit cards paid down so you're not accumulating high amounts of interest. These may seem like two obvious points, but they are critical in maintaining and raising your credit score.

3.Install Security Systems

Everything you install to protect your home can be something that may lower your policy. Some of the more obvious ones are smoke detectors, alarm systems, and multiple locking systems on your doors. Simply list these types of improvements when talking about a policy and see what the company will reduce from your policy. The benefits of these improvements are two-fold: Increased security and decreased payments!

4.Improve your Home's Resistance To Disaster

If your home is near a known disaster area (Tornado Alley, Sand Andreas Fault, etc...) Talk to your insurance agent on what ways you can improve your home's resistance to the elements. Upgrading an aged home's defenses with reinforcement for earthquakes or adding storm shutters to your windows for strong winds are all ways to save on your premiums.

Don't forget about your internal systems as well. You should consider your plumbing, electrical and gas systems and their condition to prevent water or fire damage to your home.

5. Raise your Deductible

This is one of the easiest ways to lower your payments, as the higher your deductible is, the lower your payments will be. People in more disaster-prone areas may not want to do this, but if you can afford the deductible with a “disaster fund” or something similar that you have saved to pay closer to $1,000 dollars, you will definitely save on your premiums. Check if your insurer provides different deductibles for different types of damage(like hailstorms or earthquake deductibles) to see if this method of lowering your policy premiums is right for you.

If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Butchertown Art Fair Louisville KY

The 2012 Butchertown Art Fair is Saturday June 2nd from 10am-7pm  in Butchertown Louisville KY . The takes place this Saturday on East Washington Street between Shelby and Wenzel. . This year the Art Fair will partner with Edge Outreach. Everyone is encouraged to bring all old worn out shoes or new shoes that you would like to donate.
There will be food, art, and jewelry. There will also be off site pet adoptions, if you would like to adopt a pet this weekend in Louisville KY

Butchertown Neighborhood Association

Louisville Articles

Rental Car Insurance Louisville KY

Are you the best driver on the road in Louisville?

Louisville Auto Insurance

The Germantown Schnitzelburg Blues Festival Louisville KY

The third annual Germantown Schnitzelburg Blues Festival Louisville is all about having fun. The festival takes place in Louisville this weekend June 1 and June 2 2012 . The Festival is in memory of the late John Carby and a portion of the proceeds will go to the American Caner Society. There will be booths and live entertainment. Check's Cafe is located nearby and will be offering fun food and pizza. The festival is located at East Burnett Ave in Louisville KY. If you have time this weekend stop by and ejoy the Germatown Schnitzelburg Blues Festival in Louisville KY.

Germatown Schnitzelburg Blues Festival

Other Louisville Articles you may enjoy

5 ways to save on car insurance in Louisville KY

8 Louisville  auto insurance discounts you may be missing

Homeowners Insurance Louisville KY

Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625

Do I need separate Rental car insurance? Will my auto insurance policy cover a Rental vehicle?

At the Rental Car Counter

Since insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:

• Loss Damage Waiver (LDW) Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In some cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover towing and administrative fees. These are some general guidelines every rental contract is different. Review your own contract to determine the contents. 
• 
  Waivers, however, may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have. Should you decide it is necessary, this coverage generally costs between $9 and $19 a day. Auto insurance quote Louisville KY 

• Liability Insurance
  According to some state laws, but not all,  rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day.
  
  
  
  Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.
• Personal Accident Insurance
  Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.
• Personal Effects Coverage
  Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.
  
  If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

 Auto Insurance Quote Louisville KY 

Other Things to Consider

States have minimum age requirements for renting a car and most major rental car companies refuse to rent a car to someone who is under 21 and in some cases under 25. In addition, some rental car companies now investigate your driving record and/or credit history so check with the rental car company before picking up the car.

If you are planning to rent a car abroad there may not be any insurance coverage, contact both your insurance agent and travel agent to find out what you need to do to be properly insured. Those driving a rental car from the U.S. into Mexico may find it progressively more difficult to rent a car as U.S. rental car companies are increasingly concerned about the rising crime rates in that country. The minimum required insurance coverage to drive in Mexico is civil liability insurance which covers you in case you cause injury or damage. Your American liability insurance is not valid in Mexico for bodily injury, though some American insurance policies will cover you for physical damage—check with your agent or insurance company representative. You can also buy Mexican car insurance in several American border towns; there are generally several storefronts selling Mexican car insurance near the border. Cheap Car Insurance Louisville KY . Every auto insurance policy is different, review your own auto insurance policy first to determine if there is auto insurance coverage for a rental.

Call your insurance agent first before Renting a vehicle. Every insurance policy is different, your auto insurance policy may not cover a rental vehicle. If you would like more information about auto insurance contact  Dick Watts Insurance 12200 Shelbyville Road Louisville KY 40243 502-245-3625

[Infographic] What Determines My Car Insurance Rates?

[Infographic] Car Insurance Rates and Average Price of Car Insurance

Infographic provided by http://www.car-insurance.com/infographic-average-car-insurance-price-what-determines-rates.html. This infographic has the average price of car insurance and average rates you may see. Make sure you're protected, get automobile insurance today! 

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Insurance Bargains: Infographic of least expensive vehicles to insure

Source:LiveScience
Infographic provided by http://www.livescience.com. This infographic has the most affordable cars to insure. Make sure you're protected no matter the value of your car, get automobile insurance today! 

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Anatomy of a Motorcycle Accident: Why you need Motorcycle Insurance

No one is safe from a Motorcycle Accident

Infographic provided by http://motorcycleinsurancehq.com/anatomy-of-a-motorcycle-accident/. Motorcycles are a great tool for going fast and have unparallelled maneuverability on the road. Unfortunately, those benefits come at a cost: protection. Motorcycle riders are the most vulnerable to collisions with other motor vehicles, and Arkansas doesn't require wearing a helmet. Make sure you're protected from others that you share the road with, get motorcycle insurance today! 

If you're an Arkansas resident and want to get a free motorcycle insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Infographic: Reassessing homeowners insurance: A checklist

Infographic provided by Bankrate.com. If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Why is my car insurance so high?! Factors that affect your auto insurance and what to do.

At least they're married!

The amount you pay for your autoinsurance depends on several factors, including your age, gender marital status, where you are and what you are driving. You can't change your age or gender, it wouldn't be cost-effective to move off to another state to save a few bucks. The easiest ways to start saving is to choose a more economical vehicle that costs less to insure and to be a safer driver.

Vehicle

Having a hot rod or a big Hummer may be a great status symbol, but it is a hefty price to pay for such luxury. When insurance companies make premiums they base part of what you pay on the price of the vehicle, and part on how expensive it is to be repaired. Vehicles which are the targets of theft also can factor in to the cost of your premium. How much each is factored in can depend on your insurer as well, so this is not a concrete formula on your car insurance premium.

Things you can't control

Even though these factors are the ones you can control the least, they have the greatest control on your insurance rates. For example, single males under the age of 25 pay the highest rates. I know this personally because I am 26, and the decrease was a great relief! The rates are so high for that demographic because statistically they are in the most wrecks. Since I became married to my wife in 2010, I got to enjoy another decrease as well, as married men are cheaper to insure than single.( I wonder why, no more girls to impress...) Don't look so smug so quickly, ladies, as some states have adopted rates not based on age or gender, and this has caused the rates for the fairer sex to increase. At least this is a legitimate complaint you can raise about men and how we are making it harder on your lives.

These are not the only factors that determine your rates. Unfortunately your driving record is a contributing factor as well, and thus drivers with spotless records pay the least, and your future destruction derby driver will cause you to pay the most. Maybe he'll invent a great product one day or get a great career to pay you back for all those wrecked vehicles he accumulated learning to drive.

Where you live can also affect your insurance premiums. More densely-populated metropolitan areas have far more accidents than rural environments, so you pay more for being in a busier city. Makes that more rural, country area sound better and better, doesn't it.

Don't go crazy choosing coverage

Everyone is quick to tell you how crazy and dangerous it is to be uninsured, but on the other side of the coin, it is just as crazy to have too much coverage as well. Even though the minimum requirement for state insurance is not nearly enough in most cases, there are ways to keep from getting the top-notch coverage while still keeping your possessions safe in the event of an accident.

A good rule of thumb to have is, “If you have more, get more insurance.” Just like how you struggled with choosing your car, its insurance is just has hard to decide on. Polls taken from surveys say that you could be paying up to $1000 more annually for the same coverage another company could give you. It never hurts to ask, and shopping around with some of the independent companies may save you more than the big names, and give you the same coverage.

Ways to lower your premiums

• Drive Safely: By avoiding collisions and tickets from traffic violations, most companies will offer compensation by giving certain “safe driving” discounts.
• Maintain Good Credit: It is becoming a growing trend to consider a person's credit score when making premiums and setting payment rates. The higher your score the better.
• Drop Unnecessary Extras: Things like costs for towing or replacement rental car expenses during repair work may sound like small things, but if your warranty covers these with roadside assistance, you're paying twice for something you may only need once.
• Increase Your Deductible: This may sound counterproductive, but increasing your deductible lowers your rates! Of course you're paying more for when a collision occurs, but the savings on every premium payment allows you room to put back a little bit each time in a savings account for those times you have to foot the bill when a wreck does occur.
• Check Your Options: The old rule is, “Look but don't touch.” So what's the harm in shopping around? Your situation may change so why not change policies if the grass really is greener? With technology breeding more companies who will give you phone or online rates, it's easier than ever to compare.

Even though this info is helpful to everyone, if you're an Arkansasresident and are looking for a great insurance company let Tberry'sinsurance be your full-line insurance provider! Give us a like on Facebook if you found this helpful!

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Visit our website!

Hello Everyone!

Our Natural State with the flag design in the center.

If you're an Arkansas resident, please check out our website for great insurance providers in your area! Call our office at (479)-968-2633 to see how much we can save you. We cover Personal as well as Commercial insurance, so check out our site and see what services we can provide you with.

In Personal insurance we can provide you:

• auto
• homes
• epli 
• boats 
• motorhomes 
• commercial auto

In Commercial insurance: 

• general contractors
• convenient stores
• restaurants
• day care
• rentals
• retail stores
• builder's risk
• truckers
• commercial property
• equipment coverage

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

The Julep Kentucky Derby Festival

The Julep Kentucky Derby Festival

Oaks night May 04, 2012
The Galt House Grand Ballroom


The Julep which benefits the James Brown Graham Cancer center is May 4 at the Galt House.

Some of the many celebrities scheduled for the event are Doris Roberts, Star Jones, and Fred Willard.

For more information on the Julep

the Julep

or The Julep A Party with a Purpose

Thank you for visiting

Dick Watts Insurance
Louisville Car Insurance

502-365-5132
12200 Shelbyville Rd 112
Louisville KY 40243

Kentucky Derby Festival