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Meyering Insurance Blog

Spring is here, is your home ready for the season? There are several items that may be in need of your attention.

  • Do your smoke detectors and carbon monoxide detectors need to be replaced? Check the expiration date on the back when changing the batteries. These life-saving devices should be tested monthly, but the season change is always a great reminder time to make sure they are in perfect working order.
  • Check your fire extinguisher(s). Like smoke detectors, they also expire and need recharging and or replacing.
  • Clear your gutters from leaves and debris before the spring rains start.
  • Check your roof shingles for any damage caused by high winds and ice over the winter and replace them before you end up with a leak from spring rains.
  • Get your air conditioner ready for the hot summer days. Regular maintenance allows the unit to run more efficiently and cut your energy cost. If you want to do this project on your own, there are great step by step instructions on DIY Network.
  • Check your outdoor lighting and replace bulbs, especially in security lighting.
  • Examine any wood railings or decking that may have come loose or damaged over the hard winter months that need to be tightened or replaced.
  • Walk all the way around your home and examine from the roof line to the foundation for any cracks or gaps that need to be resealed. This will keep your home more energy efficient and prevent unwanted house guests from entering.

This is also a great time to look at your homeowner’s policy and make sure you are adequately covered. Contact us today! We’re here to make sure you have the coverage you need.

Keep your home and family safe while staying warm this winter.

Home Heating Safety – Have furnaces, chimneys, fireplaces, wood and coal stoves inspected and cleaned before another winter of use. Test batteries in smoke and carbon monoxide detectors. Other good steps to take to get one’s home ready for winter include:

• Make sure flashlights are available throughout the house and that they have fresh batteries. Winter storms can lead to power outages.

• Insulate the home by installing storm windows or covering the inside of windows with plastic to keep cold air out.

• Develop a fire escape plan and practice it with everyone who lives in the home.

• Have a disaster supply kit ready should winter storms hit. The kit should include a three-day supply of food and water per person, flashlight, battery-powered or hand-crank radio and extra batteries. Other things to include for the winter include:

• Warm coats, gloves or mittens, hats, boots and warm clothing for all household members, along with extra blankets.

• An alternate way to heat the home, such as a fireplace, or wood or coal burning stove.

 

Space Heaters – With temperatures dropping, many people are using alternate sources of heat to cut down on heating bills. The Red Cross recommends that people look for a model that shuts off automatically if the heater falls over. Other safety tips include:

• Place the heater on a level, hard and nonflammable surface in the home.

• Keep all potential sources of fuel like paper, clothing, bedding, curtains or rugs at least three feet away from space heaters, stoves, or fireplaces.

• Portable heaters and fireplaces should never be left unattended. Turn off space heaters and make sure any embers in the fireplace are extinguished before going to bed or leaving home.

• Keep children and pets away from space heaters.

 

Source: American Red Cross

7 Things to do after you say "I Do"

7 Things to do after you say "I Do"

From invitations to venues and centerpieces to menus, a wedding brings a lot of details to pay attention to. But… insurance isn’t usually one of them.

After the big day (and the perfect honeymoon), make sure your insurance information is in order. Here’s how to get started:

  1. Consolidate your home and auto insurance. For a married couple, it usually makes the most sense to share insurance coverage. Having one policy prepared by one agent tends to make everything more convenient, and you could even be offered a lower rate or discount.
  2. Or, review your individual coverage. If you’re planning to keep your insurance policies separate, plan on reviewing them first. Make sure there’s no overlap in your policies. That way, you’re not paying for the same protection twice.
  3. Understand how much insurance you can afford. With two incomes, you may have more room in your budget for more (or better) insurance coverage. If you’re willing and able to make an increase, determine the amount and review the costs with your agent.
  4. Update your life insurance beneficiary. If you have life insurance before you’re married, whether it’s through your employer or an insurance company, you’ve usually named a parent or sibling as your beneficiary. After getting married, you’ll likely want to change that to your spouse.
  5. If you don’t have life insurance, consider it. If you were to pass away, would your spouse be able to face the future financially? Or vice versa? Life insurance makes it easier to do so. It lets you know your loved one will be protected from financial stress when it’s most important.
  6. Insure the wedding rings. All jewelry (up to a certain dollar value) should be added to your homeowners insurance—especially wedding rings. Save your receipts and the appraisal, and if you move after your wedding, make sure the insurance follows you.
  7. Change your name (if you’ve decided to). A new last name means a new Social Security card, driver’s license, passport and more. As a general rule of thumb, you should also update your name anywhere you’d update your address if you moved. Think employers, service providers, subscriptions, professional memberships, alumni associations and more. Additionally, to safeguard your identity throughout the name-changing process, our team of personal fraud specialists can help you navigate any name-change requirements and creditor notifications at no cost (provided you are a Frankenmuth Insurance policyholder).

To take the first step, feel free to reach out to a Frankenmuth Insurance agent in your area. Find one near you now.

Keep Your Teen Safe this Prom and Graduation Season!

According to the National Safety Council “Injury Facts 2016”, car crashes are the #1 killer of teens.

They have five easy tips for parents:

  • Buckle up on every trip, and make sure passengers are buckled, too
  • Keep household rules in place, even after school lets out. One third of parents surveyed said they allow risky behaviors during vacations, like driving late at night
  • Practice with teens, even after licensure, to ensure they are retaining good driving habits
  • Model good behaviors; 95% of parents who drive distracted do so in front of their teens according to an NSC survey
  • Set household cell phone rules.

Visit the National Safety Council for more information and tips on teen driving safety at www.nsc.org

Zeeland Office

241 S. State St.

Zeeland, MI 49464

Phone: 616-772-3600

Fax: 616-772-3601

Toll-Free: 888-206-1029

Hamilton Office

3494 Hubbard St. P.O. Box 155

Hamilton, MI 49419

Phone: 269-751-5105

Fax: 269-751-7076

Toll-Free: 888-639-3746

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Business Hours

Both Hamilton and Zeeland Locations

Monday-Friday: 8:30am to 5pm

Saturday-Sunday: Closed