Hiển thị các bài đăng có nhãn Arkansas Insurance. Hiển thị tất cả bài đăng
Hiển thị các bài đăng có nhãn Arkansas Insurance. Hiển thị tất cả bài đăng

Thứ Năm, 31 tháng 5, 2012

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 20th. 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.

Thứ Tư, 30 tháng 5, 2012

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

Thứ Tư, 23 tháng 5, 2012

[Infographic] What Determines My Car Insurance Rates?

Infographic - What Determines My Car Insurance Rates and Average Price of Car Insurance
[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.






Thứ Ba, 22 tháng 5, 2012

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.



Thứ Tư, 16 tháng 5, 2012

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.


Thứ Hai, 14 tháng 5, 2012

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