Firewise Landscaping: Trees

There isn’t much a homeowner can do to reduce their risk of loss caused by earthquakes, hurricanes and tornadoes. When it comes to wildfire however, there are several ways homeowners can protect their homes from fire. Wildfires occur no matter our best efforts and keeping a wildfire away from your home starts with your landscaping. Homeowners may want to talk with their insurance agent or state agricultural college for tips and advice about fire resistant landscaping. In many cases insurance companies will inspect for defensible space and firewise risk management before issuing or renewing a homeowner insurance policy. Trees on … Continue reading →

Backyard Trampolines May Lead To Cancelled Homeowner Insurance

A trapeze artist named Du Trampoline created the first trampoline in the 19th century by using the safety net as propulsion and landing device according to circus lore. In 1936 George Nissen invented the trampoline as we know it today. During the 70-year history trampolines have been used for training of the U. S. Navy Flight School, astronauts and in several other valuable ways for training. Fitness experts, agree the trampoline can be a valuable part of a fitness program, because of the cardiovascular benefits, low impact, and for building muscle. The first trampoline gymnastics event made its Olympic debut … Continue reading →

Landscaping To Reduce Wild Fire Risks For Homeowners.

It’s spring and the time of the year many of us feel the urge to get out in the yard and start cleaning things up for the upcoming summer. Spring tasks need to be done to make our yards pretty for the summer BB Q’s and hot afternoons that lay ahead. It’s also a great time to think about risk management and using landscaping maintenance and choices to lower any fire risks our home may now have. A well-designed and properly maintained area around a home or building offers a “defensible space“ This is the area of landscaping where homeowners … Continue reading →

Is Your Home In The Wildland-Urban Interface?

It won’t be long before the hot, dry days of summer return along with the increased risk of wildfires. During wildfire season, homes and landscaping interact with nature and the results can often be increased or reduced risk for complete loss of your home and everything inside of it. Even with the wide difference in climates and settings there is no region safe from the devastation of wildfires. The greatest areas of risks are where homes and dwellings are built next to forest lands. These areas are often referred to as the wildland-urban interface. As we push out the boarders … Continue reading →

Tips For Preventing A Home Invasion.

In the last Insurance Blog I wrote about the difference between a burglary and a Home Invasion which happens when criminals force their way into a home while one or more family members may be home in order to rob or commit some other crime. Cubb Group has this list of ideas on How to help prevent a home invasion on their website. Fortify your home with solid core doors, strong locks and security devices on windows. To strengthen locks, secure heavy-duty strike plates with at least four three-inch screws. Keep all doors and windows in the home and garage … Continue reading →

Facts about home invasion And Protecting Your Home and Family.

. It’s seems like the news reports are full of more and more stories of home invasions. There has always been a risk of burglary and most homeowner insurance policies cover the losses of a burglary. Burglars usually hit during the day when everyone is busy and the house is empty. Burglars tend to choose a different house when they see an alarm system, strong locks and doors, and barred windows. Insurance companies will often offer a discount when homeowners have these things in place. A burglar will usually run away if the homeowner should come home or be inside … Continue reading →