Blog For National Insurance Agency in Newtown, PA

Our blog for our insurance agency in Newtown, PA, provides you with tips for your home, auto insurance, and much more.
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March 25, 2020 - Spring Motorcycle Tips.motorcycle

Motorcyclists here in the northeast know that it’s time to get their motorcycles up and running for the season. If you ride…you are probably more than ready. The season can never come soon enough.

If you haven’t done so, now is a good time to change the engine oil, ensure the battery is charged and have the tires checked.

It’s been a long winter, so it’s also a good time to see that your state inspection is still valid. Check the registration too.

This time of year, it’s also helpful to bring some extra clothing to cope with changing temperatures. Maybe a rain suit is also warranted. It’s important to stay warm and dry.
 

March 17, 2020 - Corona Virus COVID-19. Unless you live way out in the middle of nowhere, you’re living with all the life changes that have been recommended by the US Government.

A few tips that can help you avoid being infected with COVID-19. The best way to prevent this being spread is to avoid being exposed. That’s obvious, but how do we do that?

First, avoid close contact with others. Keep a 6’ distance. The virus spreads best from person to person, including through respiratory droplets from a cough or sneeze. Wash you hands often and thoroughly for at least 20 seconds. If soap and water aren’t available, you may use a hand sanitizer that is at least 60% alcohol. Avoiding touching your eyes, nose and mouth with unwashed hands.
 

 

March 10, 2020 - Generator Safety

We all know what comes in the spring…storms, floods, tornados. A wonderful day today…a miserable day tomorrow. So, there’s more than a good chance you’ll need to fire up your generator at some point.

Follow your generator’s instructions for proper grounding.

Be sure your hands are dry and that you aren’t standing in water before touching the generator.

Plug appliances directly into the generator using manufacturer specified cords or three-pronged extension cords with proper amperage rating for the intended use.

Also, remember that generators get hot in use and remain hot for a long time use. Careful use can help avoid a fire.


March 5, 2020 - Spring Boat Preparation, Pt IIboat2

Now that you’ve completed your checklists and re-familiarized yourself with your craft…it’s time to hit the water! Always follow safe launching procedures.

On your first run, be sure to watch the engine temperature and monitor the cooling system. Ensure that yourself and your passengers have knowledge of…and follow safe boating procedures.

It’s also important to remember that your boat’s maintenance varies whether it is used in salt of fresh water, it’s size, make, model and the state where you have it registered. This information can not only help maximize your fun in the water….but the safety or your boat, you and your passengers.

 

 


February 26, 2020 - Spring Boat Preparation, Pt I

Spring is almost here and if you’re a boat owner, there’s no doubt that you’re ready to get back out on the water. Take some time to properly de-winterize your board and prepare it..and yourself…for it’s first outing of the season.

Now’s a good time to use a pre-season boating safety course and obtain your certificate. Go over your boat’s owner’s manual as a refresher course and review the recommended maintenance.

Finally, spend some time on your boat if possible to ensure that you’re up to speed with your boat’s features. National Insurance Agency offers boating insurance and we welcome your call for more information. Never any obligation, of course.

 

 

February 19, 2020 - Valuable Items Insurance Coveragepearls

Some people think that a homeowners insurance policy offers coverage for all their valuables. The truth is, some policies may provide little to no coverage for certain items, generally expensive items, that are damaged or stolen.

First, read and understand your insurance policy. This document includes the limits of how much you will be compensated if certain items are damaged or stolen. Remember, certain items may not be covered so review your policy carefully.

Next, it's a good idea to have your valuables appraised. This way, you'll better understand the value and how much insurance you may need to be protected.

 

February 12, 2020 - Space Heater Safety

While spring may be just around the corner, we still have plenty of cold weather remaining. Yes, I dislike it as much as you do. You can save some money by relying on a space heater to warm one room rather than heat your entire house. It’s a great idea, but you should still remain vigilant while using space heaters as it’s estimated that they are responsible for more than 20,000 residential fires each year.

While electric heaters are normally considered safer than gas burning units, you should still keep your space heater at least 36 inches from flammable or combustible materials. You should also turn the heater off any time you’re not in the room.

Finally, don’t use a space heater in a wet area of bathroom.



Fireplace Safety Part II - February 5, 2020.

OK…you have everything ready for a relaxing, warming fire on a cold night. Perfect.

When you start your fire, only use a match or commercial firelighter. Don’t use flammable liquids to start a fire in your fireplace.

If your fireplace has glass doors they should be open while the fire is burns. This allows the fire to receive enough oxygen for complete combustion which can help reduce creosote build-up. Metal mesh screens should be kept in place while burning.

Only burn dry wood in your fireplace.

Never leave your fireplace unattended while burning. If you need to leave the house or go to bed, be sure to completely extinguish the fire.


Fireplace Safety Part I - January 29, 2020.

fireplace 

There’s no doubt that relaxing near the fireplace is a great way to spend a cold winter night. It might even help save on your heating bill, too

Before lighting up…it’s important that you have your chimney, fireplace, wood or pellet stove inspected and cleaned by a licensed specialist every year. Keep the area around the hearth clear of debris or any other combustible materials

Finally, take a moment to test your smoke detectors and carbon monoxide detectors. These should be checked monthly and after each time you change the batteries.


January 21, 2020 - Landlord Insurance for Rental Properties

You’ve certainly heard of “renter’s insurance”, but Landlord Insurance? While renters may have a Renters Insurance Policy to protect their property, Landlord Insurance can help protect you from potentially devastating costs of loses to your rental properties.

It usually covers things like damage to structures and can also be set to include systems, furnishings and appliances within those structures.As landlord, you may also think about adding coverage to your policy for loss of rent should something occur that makes your property unusable.

If you rent your property…even short-term…Landlord Insurance is something you should consider.




January 15, 2020. - Winter Driving Safety Tips

With snow and ice predicted for our area this weekend, perhaps it's a good time to review some winter driving safety tips.snowydriving

When temperatures drop, it's is to make sure your car is stocked with an ice scraper, snow shovel, and road salt or sand. Now is also a good time to check your tires to determine if it's time to replace them, or perhaps you need snow tires.

Before you leave your driveway, make sure all the snow and ice is removed from your vehicle, especially the windows mirrors and lights. In many states, it's the law.

When driving one snow and ice, remember that the speed limits are meant for dry roads. You should reduce your speed and increase the distance between yourself and the vehicle ahead.

Of course, it makes sense to wait until the worst of the snow has fallen and the road crews have had the opportunity to clear the streets.



January 7, 2020 - How Does Radon Affect a Home Purchase?

There’s no doubt that buying a home is a huge investment and requires serious consideration before signing on the dotted line.

Radon is a radioactive gas that occurs naturally and it’s not caused by your house or the contents. Radon can seep into house that are in contact with the group or can be drawn in through foundation cracks or other openings

A radon test can be made on your home, and even if it turns out to be positive for radon a system can be installed to mitigate the gas.

So, how does radon gas affect my home purchase? Providing that the radon concern can be effectively mitigated…it may not be a concern at all. Depending on the lender, it may actually prove to an “improvement” in their eyes.

 



December 31, 2019 - Happy New Year!

There’s no doubt that most folks like to celebrate on New Year’s Eve. There’s also no doubt that the holidays can be some of the busiest times for hospital ERs. Here are some tips that may help you stay safe.

If you’re going out, it’s best to arrive and leave with a group. It’s also a good idea to let friends and family know where you are going.

Avoid too much “celebration”. Most folks take at least a sip of alcohol on New Year’s Eve, but avoiding too much…too soon can cause a trip to the ER. Pace yourself by alternating alcohol and non-alcoholic beverages. Never leave your drink unattended.

Finally, avoid driving if possible. Perhaps you may plan to spend the night at the party location or get a room nearby.

 

December 18, 2019 - Christmas Tree Safetygirltree

Tis the season for Christmas trees…so it’s also time for a reminder on tree safety.

When you set-up your tree, make sure it isn’t blocking doorways or exits. Also ensure that it’s at least 36” from heat sources like fireplaces, radiators or heat vents.

When decorating, carefully look at the condition of your tree lights. Discard and replace and light set that have worn or broken cords. Make sure all bulbs are installed tightly. Be sure to turn off the lights before leaving your house or going to bed.

After the holidays…or if your tree gets dry…it’s time for it to go. A dried out tree is a fire hazard and should not be left inside your home or garage. For that matter, don’t leave it outside against the house, either.



December 11, 2019 - Leasing Your Next Car, Part II?

Okay, so you’ve decided that you are going to lease your next vehicle. When the lease is over…will you buy the leased vehicle?

Do you like it? Do you like driving it? Does it suit your needs? Have you taken care and maintained it? All important questions to consider.

You’ll want to check the residual value…what it will be worth at lease’s end. Often, you can negotiate the price of the car at the end of the lease. Sometimes, you can buy the car before the lease actually ends.



December 4, 2019 - Leasing Your Next Car?carsale

When it comes to leasing your next car, there are really only two options…yes or no.

In short, leasing often allows you to drive a higher line car at a payment similar to a lesser model if you plan to finance. Some leases include free routine maintenance and shorter term leases allow you to frequently upgrade the vehicle you drive.

The biggest downside is that you don’t own the vehicle at the end of the lease. While you can often break a lease to get out early, there’s likely a sizable fee. Long term leases can net you a lower monthly payment, but that could cost more than a traditional purchase.

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