Newsletter (page 14)

We are approaching our nation's birthday, July 4th, and we hope everyone has a great day of celebration with friends and family. In 2020 over 5,800 people went to the emergency room as a result of fireworks-related injuries. There were an estimated 13,750 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $40 million in direct property damage. This is why it is a good idea to have a free home insurance review and quote, call us today!
 
Homeowner's Insurance
 
If you over-celebrate and do have a loss or damage, please call our office. It is very likely that the claim would be covered under your homeowner's insurance policy.
 
General 4th of July safety
 
Be a safe swimmer. Water sports and fireworks are two of the biggest pastimes for the Fourth of July celebrations, and these are both linked to numerous deaths and injuries each year. Never swim alone, and make sure that kids' water play is adequately supervised at all times.
 
Be a safe boater. Never consume alcohol while driving a boat. Set water safety rules for your family and passengers.
 
Use alcohol responsibly. Alcohol and fireworks can be a hazardous and dangerous combination.
 
Use sunscreen. At the start of summer, skin is especially tender, so use a high SPF.
 
Keep alert for local weather conditions. Check to see if any warning signs or flags are posted.
 
Remember your pet. They are not used to all the fireworks, so keep them inside.
 
Grill safely. Before you use your grill, make sure all hoses are secure and leak-free. Never grill inside. Keep grill away for al structures.
 
Fireworks Safety

• Never try to make your own fireworks.
• Light fireworks on a smooth, flat surface away from the house, dry leaves, and flammable materials.
• Only use legal store-bought fireworks.
• Don't point sparklers or fireworks at yourself or others.
• Make sure spectators are out of range before lighting fireworks.
• Always keep matches and lighter fluid far away from fireworks.
• Read labels and carefully follow directions.
• Only light fireworks on the ground and in areas that are dry and fire-resistant.
• Don't attempt to light multiple devices at the same time.
• Never allow young children to handle fireworks or sparklers.
• Teach children to "stop, drop, and roll" if their clothes catch fire.
• Always keep a portable fire extinguisher close by. Also, keep a water hose or buckets of water nearby to put out fires.

 
 
 

An Insurance Update
Most people have some gaps in their personal insurance coverage. We do our best to help our clients understand where these are and provide solutions so that these gaps don’t exist. Having an independent agent help, you find the right kind of personal insurance for you can go a long way in providing you with peace of mind.

Personal insurance is complex, and we are here to help you understand the complex, so you have made an informed and educated decision.

What are Insurance gaps?
Insurance gaps can be areas where you thought there was coverage, but in reality, there is not. It may be that the coverage is not available or is too expensive or you just did not know about it. Gaps can occur if you have more than one agent handling your personal insurance. Between your home, auto, RV or personal umbrella there might be times when one agent thought the other was taking care of the issue. Insurance gaps can include:
•   Flood insurance
•   Identity theft
•   Earthquake
•   Sewer back-up
•   Auto insurance limit issues
•   Your home is undervalued
•   Lack of a personal umbrella
•   Limited coverage for other drivers on your auto policy.
 
These are just a few of the personal insurance issues that can create real problems for you. Call our office for a free review.
 
 


 

Hot Weather Tips From Neate Dupey Insurance Group

 

Summer is here, and the 4th of July is just around the corner. As we move to do more outside activities, it will be important to remember to stay cool. For people who labor outside throughout the summer, heatstroke is the most serious risk and should be handled as a medical emergency. Heatstroke happens when the body's temperature is out of control, causing damage to the brain and other internal organs. Heatstroke can result in permanent impairment or even death if not treated promptly.

• Drink plenty of water
• Do not consume alcohol in the heat
• Appliances generate heat. An oven can easily raise the room temperature by 10 degrees. Save cooking with heat for cooler hours during the day, or cook outdoors on your grill. It is also a good idea to run the dishwasher and clothes dryer at night.
• Choose garments made from natural fibers, such as cotton, which is breathable. Wear loose-fitting, light-colored clothing that will allow air to circulate while you are out in the heat.
• Eat small meals more often. Avoid foods that are high in protein because they increase metabolic heat. Avoid using salt tablets unless directed to do so by a physician.
• Do not leave children or pets in a closed vehicle, even for a few minutes.
• A cool shower or bath is a great way to stay cool and much more effective than using an electric fan.
• Limit physical activity: Take breaks during the day.

Heatstroke is the most serious heat-related sickness, defined as a body temperature of 103 degrees Fahrenheit or higher. Hot, red skin, rapid heartbeat, shallow breathing, disorientation, delirium, and coma are some of the symptoms.

Please keep an eye on your neighbors who are old, housebound, or otherwise hesitant to seek assistance in your neighborhood. On hot days, you can offer to host them in your air-conditioned living room, transport them to a nearby cooling center, or phone family or city agencies to make arrangements for them to stay cool.

All of us at Neate Dupey Insurance Group hope you stay cool and enjoy your summer! Keep us in mind if you need to insure your summer toys.
 

Saving money on business insurance is not always an easy thing many companies to do. You have many options regarding insurance agents and insurance companies that at times can be confusing. We specialized in the entertainment industry that is all we do. We have a proven track record of providing the right combination of pricing and coverage, along with experience and responsive service.
There are a number of ways to reduce your business insurance cost without jeopardizing coverage. Here are a few:

1. Use a broker who knows and understands your industry. Having an understanding of the risks, and what markets best are suited for your risks, can result in lower costs. Have us shop your insurance. We have access to many insurers, this allow us to offer many options.
2. Provide driver’s training- having educated and trained drivers can reduce your business auto insurance cost up to 5%.
3. Have proper safety equipment.
4. Use special markets. There are insurers that specialize in your industry. .
5. Increase deductibles. Insurers often will provide good credits if you increase your deductibles on property or auto physical damage.
6. Reduce your risk, Talk with your insurance agent about how you can help prevent insurance losses. You may be able to reduce your exposure to fires, work-related accidents, disasters or lawsuits. Reducing these risks may lead to fewer claims, which may lower your insurance premium.
7. Keep up to date with current liability trends; liability claims tend to be the most significant claim with most aspects of insurance.

Having insurance premiums reduced by cutting corners is not the ideal way to deal with high insurance premiums. That’s a case of addressing the symptom – not the problem. Lowering premiums by reducing the risks posed and faced by your business is a far healthier solution.
 

Our team of agents works very hard to make sure your premiums are as competitive as possible.  There are many ways in which we help our clients keep insurance costs down.  We also believe that it is equally important to have the right kind of coverage that meets your needs at a competitive price. 

Are you paying too much for your personal insurance?  If you believe you are paying too much for your current insurance coverage, then the following suggestions may help you save money:

Auto Insurance Savings Tips

Ask about discounts
Most insurance companies offer discounts.  While the availability of discounts will vary depending on your insurer, where you live, and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of.
Drive safely
OK, this one is obvious but true.  Drivers with no accidents, tickets, or insurance claims, almost always pay less for their auto insurance coverage.
Good grades 
Most insurance companies offer discounts to student drivers who have good grades.
Remove or reduce coverage on older vehicles.
If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy.
Bundle your services with one agent 
Bundling your home and auto with the same agent often provides efficiencies in time and money.
 
Home Insurance Savings Tips
Raise your deductible
A deductible is the amount of money that you are responsible for paying toward an insured loss.  The higher your deductible, the more money you can save on your premium.
Make your home more secure
Invest in a home security system.  Having a smoke detector, burglar alarm or deadbolt locks on your home can earn you a 5% discount, depending on your insurer.
Bundle your insurance
Bundling auto and home insurance with the same company typically saves you 5% to 15% on your homeowners premium, according to data from the Insurance Information Institute. Again depending on your insurer.
Make improvements to your home
Updating your roof, furnace, water heater, or windows can help reduce your insurance cost. If you're a homeowner, your premiums could be quietly costing you more money than they should.  The good news is that insurers provide relatively easy-to-obtain discounts that can shave money off your homeowner’s insurance premium.