All the wrapping paper is cleaned up and we finally have an idea of all the items that need to be added to our insurance policies.  If you received electronics, computers, phones, jewelry or high value ticket items, now is the time to make sure your new possessions are covered by insurance.

Give us a call at the agency, and we will be glad to assist you.

Winter is here and we are off to the slopes to take advantage of the snow.  But to prevent injuries during your favorite winter activities, here are some tips:

  • Never participate alone in a winter sport.
  • Warm up thoroughly before playing or participating. Cold muscles, tendons, and ligaments are vulnerable to injury.
  • Wear appropriate protective gear, including goggles, helmets, gloves and padding.
  • Check that equipment is working properly prior to use.
  • Wear several layers of light, loose and water- and wind-resistant clothing for warmth and protection. Layering allows you to accommodate your body's constantly changing temperature. Wear proper footwear that provides warmth and dryness, as well as ample ankle support.
  • Know and abide by all rules of the sport in which you are participating.
  • Take a lesson (or several) from a qualified instructor, especially in sports like skiing and snowboarding. Learning how to fall correctly and safely can reduce the risk of injury.
  • Pay attention to warnings about upcoming storms and severe drops in temperature.
  • Seek shelter and medical attention immediately if you, or anyone with you, is experiencing hypothermia or frostbite. Make sure everyone is aware of proper procedures for getting help, if injuries occur.
  • Drink plenty of water before, during, and after activities.

You don't want to be stranded on a road,without an emergency car kit.  Here are some things that you will want to put in your trunk:

Cat Litter, Jumper Cables, Water, Power Bars, Blanket, Flares, First Aid Kit, Flash Light and Batteries, Inflated spare tire, Jack and Lug Wrench, Clean Wraps, Sun Screen with Send Help, and an Emergency Triangle.

Hopefully you will not need this kit, but if you do, we want you to be prepared.

Support our location businesses this weekend with Small Business Saturday. Stop by your local hardware store, bakery, cleaner, grocery, main street stores. They keep our local economy going. Please support them this weekend.

Did you know that an estimated 12.8 million Americans of all ages need assistance from others to carry out everyday activities? Approximately 40% are working-age adults 18 6o 64 and 57% are persons aged 65 and older.

How do you plan for your future care needs? Consider long-term care insurance. November is LTC Awareness Month and no matter what your health is now, the younger you are, the healthier you are, can not only affect your premiums, but you may be entitled to discounts. And finally you will be eligible for a tax-deduction.

Find out more about LTC today.

Get ready to change the clocks. Sunday, November 6th, is when you turn back the clock by an hour -- so we gain a precious hour of sleep-- enjoy!

Halloween is a great time for children and parents alike.  But, it is important to be safe.  Before shopping for that last minute costume this weekend, take a look at these safety tips from the American Academy of Pediatrics.  

  • Pick costumes that are bright and reflective
  • Masks should not impede or block eye sight
  • Make sure wigs are flame resistant
  • When it comes to the pumpkins, have your children draw the faces and then you can do the cutting
  • Restrain pets so they do not jump or bit a trick-or-treater.

Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or-Treaters:

  • Stay in a group and communicate where they will be going.
  • Remember reflective tape for costumes and trick-or-treat bags.
  • Carry a cellphone for quick communication.
  • Remain on well-lit streets and always use the sidewalk.
  • If no sidewalk is available, walk at the far edge of the roadway facing traffic.
  • Never cut across yards or use alleys.
  • Only cross the street as a group in established crosswalks (as recognized by local custom). Never cross between parked cars or out driveways.
  • Don't assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops, doesn't mean others will!
  • Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.

To review the entire post, click here

Did you know one in four people have experienced identity theft? And that once every two seconds someone is a victor of identity theft? Thieves take over and open new accounts, file fake tax returns, rent or buy properties, just to name a few.

Now is the time to consider identity theft insurance to protect your good name and financial reputation.

Let's discuss how identity theft protection can work for you.

Breast cancer is the most common cancer among women in the United States (other than skin cancer). But millions of women are surviving the disease thanks in part to early detection and improvements in treatment.  So take the time to schedule a mammogram and click here to read the risk factors for breast cancer.  Do all to protect yourself - you deserve it.

Source: American Cancer Society

Here are some fall road tips to avoid an accident:

  1. Wildlife is most active at dusk and dawn, according to the Colorado Parks Department, and the limited light during these times makes it more difficult for drivers to see animals in the road. Plan drives during daylight hours to reduce the risk of animal collision.
  2. Busy school zones and streets popular with trick-or-treaters make it even more important to remain vigilant while driving. When possible, avoid driving through these areas or consider walking or biking to school or other fall activities.
  3. Use the middle lane if you’re on a multilane road when possible. This will give you more time to spot an animal that is trying to cross ahead of you.
  4.  Portions of your route to work could convert to school zones during certain hours of the day. Obey all posted speed limits, watch for children in the street and pay extra attention around school buses. It’s illegal in all 50 states to pass a bus that is loading or unloading children on an undivided roadway.

If you hit an animal, pull over and call local law enforcement. They can direct you to your next step. In some states, there are special requirements regarding animal collisions. Once home, check with your department of motor vehicles to make sure you’ve covered all your bases

Source: Farmers 

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