Archive for the ‘safety tips’ Category
Thursday, April 5th, 2012
Summer season is almost here. Many of us cannot wait to get into summer clothes and enjoy boating. But, before you start your boat engine make sure you get our tips for this season. Many people have a hard time choosing the right boat insurance. Also, very few know what their insurance covers. Here are some the quick tips by Penny-Hanley & Howley Co Inc:
1. What Boat Insurance usually includes:
• Boat and motor covers
• Boat furniture
• Emergency signaling devices
• Anchors
• Bilge Pumps
• Batteries
• All other essential boat parts
2. What property Boat Insurance does not include:
• Everything that does not belong to the boat essentials: personal computer, phone , jewelry, and other personal items.
3. Make sure that you do not leave water skis and diving equipment unsecured, because they are not included in the insurance policies.
4. Some Boat Insurance policies include only specific territories and periods of the year. Make sure to know if your policy includes this kind of restrictions.
5. Please check out the video for more practical tips:
Boat Theft
source: The Insurance Information Institute
For any more information, suggestions, and accommodations please feel free to contact us:
Penny Hanley & Howley Co. Inc.
PO Box 127, 52 Main St
Stafford Springs, CT 06076
Phone:
860-684-2721
Fax Number:
860-684-6582
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Posted in Boat Insurance, ct insurance, Life, safety tips, Summer Tips | No Comments »
Friday, December 16th, 2011
Insurers are still tallying up storm-related losses for the Halloween storm that has been called the freakiest ever. It’s thought that when the final price tag comes in, losses will fall between $1 and $3 billion.
If you remained unscathed from this storm then you are one of the lucky ones, but don’t count on your luck holding out in the future. Winter storms cause more than one billion dollars in damage annually and are the third largest cause of catastrophe losses.The Farmer’s Almanac predicts the following about New England weather: “…the upcoming winter will be the equivalent of a cold slap in the face, as we forecast much colder-than-normal temperatures.”
All this should serve as a reminder that it’s important to take the necessary precautions to prevent unnecessary damage to your home. The Insurance Information Institute has posted a list of helpful tips to Winter-Proof Your House. We’ve reprinted a summary of their recommended preventative measures here:
Outside Your Home
- Clean out gutters
- Install gutter guards
- Trim trees and remove dead branches
- Repair steps and handrails
- Seal cracks in holes in outside walls and foundations.
Inside Your Home
- Keep the house warm.
- Add extra insulation to attics, basements and crawl spaces.
- Have the heating system serviced.
- Check pipes.
- Install an emergency pressure release valve in your plumbing system.
- Make sure that smoke and fire alarms are working properly.
- Consider installing a carbon monoxide detector.
- Learn how to shut the water off and know where your pipes are located.
- Hire a licensed contractor to look for structural damage.
While all these tips are helpful the most important thing is to review your insurance coverage to make sure you are adequately covered. Remember, flood insurance is not included in standard homeowners or renters insurance policies. Don’t wait to learn your coverage limits until after something happens — it may make for unpleasant surprises — talk to your insurance agent today!
- Courtesy of Renaissance Group
Tags: ct home insurance, ct home owners insurance, freak blizzard, phh insurance, winter proofing your home, winter weather
Posted in Home, safety tips | No Comments »
Thursday, December 15th, 2011
US safety board has said that states should ban all driver use of mobile phones and portable electronic devices, except in emergencies. The National Transportation Safety Board (NTSB) recommendation includes a ban on hands-free devices, making it stricter than any current state laws. Thirty-five states have banned texting when driving, and nine states have outlawed hand-held mobile phone use. But enforcement is generally not a priority and no states ban the use of hands-free devices for all drivers.
The NTSB does not have the power to impose such a nationwide ban, but its recommendations carry significant weight with federal regulators and lawmakers. In a unanimous vote, the board also recommended increased enforcement of existing laws.
The NTSB recommendations would make an exception for devices seen as aiding driver safety, such as GPS systems. The debate was prompted by a pile-up in the state of Missouri last year, caused by a 19-year-old driver who sent or received 11 texts in the few minutes before the crash. Missouri has a law banning drivers under 21 years old from texting while driving, but was not enforcing it regularly at the time of the accident. Perhaps if the troopers were active on duty, this could have been prevented.
There have been other reported cases of accidents involving texting. NTSB can try to pass the law enforcing a ban on cell phone usage while driving but it’s going to be very difficult when almost everyone does it. Half of the individuals from ages 21-24 admitted to texting and driving. The survey found that many drivers do not think it is dangerous when they use phones on the road – only when others do.
Are you a safe driver?
Tags: cell phone ban, ct auto insurance, izup app, phh insurance, safe driving, texting and driving
Posted in Auto, safety tips | No Comments »
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