Bryan Insurance Agency, LLC

Life Changes...So Should Your Insurance. When to Review your coverages.

2012-02-11T16:51:00.000-08:00

Insurance is a static product—but it shouldn’t necessarily be. Your insurance plan should be dynamic and should respond to the changes that you go through over the course of your life. But the only way for your insurance policies to be dynamic is for you to review them regularly so that you can ensure that they keep up with the pace of your life. Here are six different life events that should prompt you to review your insurance coverage and come up with a more fitting plan.

College graduation: When you graduate college, you might not have much more than an auto insurance policy. But this is the time to consider life insurance and, if you move into your own apartment, a renter’s insurance policy. After college you will probably have a lot of debt to deal with. A life insurance policy will ensure that your family isn’t responsible for the debt that you leave behind. Renter’s insurance will protect your contents from possible damage and will protect you from liabilities if anyone is hurt in your home, because the last thing a new college graduate needs is a lawsuit form someone who is injured in their apartment or the expense of replacing items damaged during an insurable incident.

Getting married: As a Newlywed you face the challenge of adjusting to the idea you are now, and will be, part of united partnership. You are no longer a single individual trying to make your way through the financial pitfalls of life. You must now consider joint expenses, joint financial responsibilities and a joint future. You may need to increase your life insurance death benefit while changing your primary beneficiary, talk about changing the limits and deductibles on any renters or homeowners insurance policies since living together could double the value of your personal contents, add your spouse as a driver to your auto insurance policy and consider an umbrella policy to fill any liability gaps you might have.

Having a baby: With a new baby on board, your life is going to change completely—and so are your insurance policies. This is a good time for you and your spouse to increase your life insurance death benefits, adjust your contingent beneficiaries to whomever will get custody of your child should you both pass away, increase the limits on your homeowners or renters insurance and even consider reducing your deductibles so that you have fewer out-of-pocket expenses to worry about. You also should consider adding a life insurance policy for your child so that you can lock in rates that they will still be able to pay once they have children of their own.

Moving: When you move to a new home or apartment, you must consider the new area you live in and any additional risks it might bring. You must also think about any new furnishings you will be adding to your new residence and the possible increase in insurance limits they might require. Lastly, consider any new debt you’ve taken on in the move and adjust your life insurance policy to account for that.

Changing careers: If you change careers, you might have a longer drive to work which could require an adjustment to your auto insurance policy. In addition, if your income has increased along with the change, then you will need more life insurance coverage. If your new career involves working from home or for yourself, then you have new liability issues that your homeowners insurance policy will not cover, so you need to make the proper adjustments there as well.

Divorce: The ending of any relationship is sad and requires a lot of lifestyle and emotional adjustments. But it also requires some adjustment to your insurance policies. You might need more life insurance coverage depending on how much debt you are left with after the divorce and depending on your future childcare needs. You also need to adjust your life insurance beneficiary information. Your homeowners or renters insurance may need some changes in deductibles and limits and you might want to consider adjusting your auto insurance coverage especially if the divorce results in your driving more to see your children, driving further to work or simply being forced to drive around more often during the course of the day.

While these examples all give you a starting place for determining when you might need to update your insurance policies, they certainly don’t represent every change you could encounter that will result in the need for an updated insurance policy. At a minimum, make sure you review all policies annually to catch any other changes that need to be made along the way.

Not sure when your last review was? Call us (845) 565-2200 to schedule a review now or visit us online at http://www.bryanagency.com/!

Santa Claus is Coming...and so is the "Smartphone Scrooge"

2011-11-28T08:38:00.001-08:00

In spite of the poor economy, parents are determined to make this Christmas the best one yet for their kids.

One of the hottest items on 2011 Christmas Lists will be a smart phone. These clever little devices are packed with fun gadgets, games, and ringtones which make them a top choice among teens, while capabilities like parent controls and GPS locators make them a smart choice for parents. Many parents have found that the peace of mind in being able to keep in touch with their kids is well worth the cost of a cell phone.

Unfortunately, Identity thieves love smart phones, too! Identity thieves attack where you’re most vulnerable and that’s exactly what they are doing when it comes to kids and smart phones.

Cell phones come equipped with simple ringtones. There is a vast market of clever ringtones that can be downloaded for free. However, many of these ‘free’ ringtones are offered by identity thieves as bait. Often what is downloaded is a great deal more sinister than a ringtone. Many of these sites can attach viruses used to steal personal information and use it for Identity Theft.

Parents should safeguard themselves by attaching strict Usage Guidelines to the gift of a smart phone. The following are some guideline suggestions which are important to the security of your personal business and the safety of your kids:

- Don’t send text messages to receive free ringtones. Use the ring tone that came with the phone. It is the only sure-fire way to avoid identity theft with ringtones. Only buy ringtones from reputable cell phone service providers like AT&T, Sprint and T-Mobile. Read the terms and conditions before you allow your kids to make any purchases.

- Don’t put personal information like banking, credit card numbers, or even date of birth on cell phones. The less personal information there is on a phone, the less thieves have to work with.

Most phones have the capability of setting a PIN number for the phone.But most users never that option considering it an inconvenience. To stay safe, set a PIN number that your child can remember. If the phone is lost or stolen, thieves can’t open the phone and get to personal information.

Children should follow basic safety precautions to prevent losing the phone or leaving it unprotected where thieves can steal it. Advise them to let you know immediately if they can’t find their phone.

For more information about how to protect you and your family from identity theft for less than $5 a month, visit our website at www.bryanagency.com or email or call 845-565-2200

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What you need to know before becoming a volunteer

2011-10-04T08:54:00.000-07:00

On Sept. 16, 1997, the Volunteer Protection Act of 1997 became effective. Concerned that volunteers have been deterred from offering their services to nonprofit organizations because of liability concerns, Congress went to work to enact a law that would limit volunteer liability. This federal law is good news for all those who volunteer, or have always wanted to volunteer, for nonprofit organizations.

I’d like to volunteer for a nonprofit organization. Am I protected from liability?

Yes. The Volunteer Protection Act provides liability protection for harm a volunteer may cause as long as:

the volunteer was acting within the scope of his or her volunteer responsibilities;

the volunteer was properly licensed, certified or authorized for the activity which caused the harm (if required or appropriate);

the harm was not caused by the willful or criminal misconduct, gross negligence or conscious, flagrant indifference to the rights or safety of the person harmed; and

the harm was not caused by the volunteer while operating a motor vehicle, vessel, aircraft or other vehicle for which the state mandates the operator or owner to be licensed or to maintain insurance.

Are there exceptions to volunteer immunity I should know?

The Volunteer Protection Act will not provide immunity if the volunteer has engaged in misconduct that:

constitutes a crime of violence or an act of international terrorism;

constitutes a hate crime;

involves a sexual offense;

violates a federal or state civil rights law; or

if the volunteer was under the influence of alcohol or drugs at the time.

Do I qualify as a volunteer under the act?

A “volunteer” is defined under the act as an individual performing services for a nonprofit organization or a governmental entity who does not receive compensation (other than reasonable reimbursement or allowance for incurred expenses) or any other thing of value in lieu of compensation, in excess of $500 per year. The term includes a director, officer, trustee or other direct service volunteer.

I volunteer as a director of a nonprofit organization. Can I expect my homeowners insurance policy or umbrella policy to extend coverage for harm I may cause as a volunteer?

No. A homeowners policy shows little promise of providing a director or officer any protection in the event that a lawsuit arises.

The reason? The typical directors and officers lawsuit involves a wrongful act that inflicts financial injury to someone, whereas a homeowners policy covers an insured whose negligence causes an accident that produces bodily injury or property damage to a plaintiff. The homeowners policy, if so endorsed, also may provide coverage for personal injury offenses, such as libel or slander.

The Volunteer Protection Act of 1997 is a big step in the right direction to providing volunteers with immunity; however, because there are still some limitations and qualifications on immunity, check with our agency to be sure you have the appropriate insurance coverage.

Call or email us at (888) 565-2212 or info@bryanagency.com

Insuring your in-home business

2011-09-15T09:55:00.000-07:00

Did you know?
Approximately 40 million Americans operate full- and part-time businesses from their homes. The home-based business represents a substantial investment of time, money and property. Yet many business owners do not have the coverage necessary to protect themselves and their businesses.

Is my in-home business covered under my homeowners policy?

Not sufficiently. Many homeowners policies provide only a limited amount of coverage for business-related exposures. Depending on your policy, your homeowners insurance may cover your business, but probably only to a maximum of $2,500 for business equipment in the home and $500 for equipment away from the premises. A stolen business credit card, a power surge causing the loss of important computer data and a lawsuit over a business-related matter are not covered.

How can I get the most appropriate coverage for my home business?

There are three ways. First, you may be able to add a home business endorsement to your existing homeowners policy.

Coverage generally includes business property coverage; business liability, including product, personal injury and advertising liability; loss of business income protection; valuable papers coverage; and accounts receivable.

Second, you can purchase several individual business insurance policies to provide the various coverages you need, such as business property, general liability and business income insurance.

Third, you can purchase a business owners package policy designed for smaller businesses, which combines the necessary property and liability insurance coverages you need in a single policy.

I run a day-care service in my home. Does my homeowners liability insurance extend to my business?

No. Care providers must purchase liability insurance specifically for their business. You
can, at any time, be held liable for injuries that are proven to be the result of events that
occurred while the child was in your care.

An occurrence policy will cover you at any time in the future should you be held liable for a child’s injury. You also may get coverage for children’s injuries that do not fall under liability. Accidental/medical insurance will cover injuries that are not due to negligence on the part of the provider.

What other types of insurance should I consider for my business?

If you use an automobile for your business activities, be sure that your automobile insurance will protect you from accidents which may occur on business-related errands. You may need to purchase a separate business auto insurance policy depending on your type of business and the kind of vehicle you own.

You’ll also need health insurance to cover medical costs if you become ill or injured, and disability insurance in case you become unable to work because of sickness or injury. Also, you may want to consider a small group insurance program if you have employees.

If you hire an employee, you may need to buy workers’ compensation insurance in the event that the employee is hurt on the job and needs medical treatment and income. Under certain state-specific circumstances, workers’ compensation insurance also may extend coverage to you in case you are injured at work.

Be sure that your in-home business is properly and adequately insured. Our agency can help you get the most appropriate coverage for your home business.

Not sure if you have an in-home business or want more information? Call or email us today! 888-565-2212 or info@bryanagency.com

Your Professional Insurance Agent … We want you to know about the insurance you're buying.

Flood Damage: Are you covered?

2011-08-29T10:00:00.000-07:00

Is my home insured for damage that may result from flooding caused by a hurricane or other storm?

Not necessarily. Generally, coverage provided by a standard home or business policy does not include damage caused by flooding or mudslides. It is important to note this type of damage could be extremely destructive to your property and without insurance you could be devastated financially.

How can I get insurance coverage so I’m protected for flood damage from a natural disaster?

First, contact our agency. We have access to comprehensive information and we can help you determine if you need flood insurance. Throughout the United States, more than 20,000 communities participate in the Federal Emergency Management Agency’s National Flood Insurance Program, which offers flood insurance. An NFIP policy typically includes coverage for: removing contents; sandbagging (to reduce damage); repairing flood damage and rebuilding; clearing away debris and mud; and compensating for personal belongings
and business inventories.

How much protection can I get?

You can obtain flood coverage up to $250,000 on your home, $100,000 on its contents and $500,000 for businesses.

Is flood insurance really necessary?

That is a question you should discuss with our agency. However, you should know that lending institutions may require flood insurance as a condition of securing a mortgage, home improvement loan, home equity loan, commercial loan, etc. Flood insurance also is a prerequisite for receiving federal disaster assistance when property is located in a special hazard area.

It is important to note that not only high-risk areas are prone to flooding. Flooding can occur anytime and anywhere. One-quarter of NFIP claims come from outside high-risk flood areas.

Can I buy flood insurance at any time?

Yes, but in most cases, there is a 30-day waiting period between the time flood insurance is purchased and the time coverage is in force.

How can I prepare for a catastrophe such as flooding?

Along with obtaining flood insurance protection, you should heed storm warnings and follow evacuation procedures such as boarding up windows and storing outside items inside; shutting off utilities; and preparing an emergency kit that contains food and water, a portable can opener, clothing, blankets, flashlights, first-aid supplies and a battery-operated radio.

Also, maintain a current household or business inventory of your property and possessions and keep it in a safe place such as a safe-deposit box. An up-to-date inventory will prove useful when filing your insurance claim.

Flood facts

On the eastern coast of the United States, flooding occurs mainly during hurricane season, which runs primarily from June through October. Hurricanes affect coastal and inland areas. These areas can be inundated by torrential rains that result in widespread flooding. The Federal Emergency Management Agency estimates that 75 percent of households located in federally designated special flood hazard areas carry no flood insurance.

Looking for Flood Insurance?
Call us 888-565-2212 for a quote or visit our website to get a Flood Quote

For more information & Tips visit http://www.floodsmart.gov/floodsmart/pages/preparation_recovery/before_a_flood.jsp

Top 10 Insurance Tips for Hurricane Season

2011-08-25T10:09:00.000-07:00

By Ted Besesparis, PIA

2011 is predicted to be an active hurricane season. Don’t be caught unprepared! The steps below will help you minimize hurricane damage and get back on your feet if you are struck.

Just like hurricanes come in many shapes and sizes, so do insurance policies. The frequently asked questions included here provide information about what policies usually cover, along with some tips on filing claims. To find out about your coverage, consult your policy and contact your professional insurance agent.

Frequently asked questions
1. I have reported my claim, now what should I do?
You should take all steps necessary to prevent further damage—securing property, temporarily boarding windows and roof, drying out carpets and personal property, etc. If the insured does not do this and further damage results, it may not be covered.

You should not undertake any permanent repairs, nor dispose of any damaged property before an adjuster has been able to see the damage. When there is water damage to the contents of a home, you should remove water-soaked contents such as carpeting and furniture, however you should not dispose of such items before an insurance adjuster sees them. You can place such items outside under a tarp. In the case of perishable items (i.e., food) that must be disposed of, first take photographs of that property to substantiate the claim. If you do not, some damages may not be covered.

You should retain all receipts for emergency repairs and for items which might qualify under additional living expenses (such as water, ice, rental charges at another location if the home is uninhabitable, etc.).

2. Is there anything I can do to speed up the claims process?
Although the adjuster will contact you as soon as possible, priority will be given to the most severe losses. Also be aware that larger claims will be settled in stages, not all at once. While waiting for the adjuster, there are a number of things you can do:
· You may wish to secure a
repair estimate (preferably at
least two) for the adjuster to

review. This will help the
adjuster with the settlement
process.

· Take pictures of the damaged property. If you have pictures of the property before the loss, these should be provided to the adjuster.

· Make a list of all damaged property, including a description, age, original cost, place of purchase and estimated replacement cost. Any receipts or canceled checks for these items also should be included.

3. What if my home is so damaged I can’t stay in it?
Under most homeowners and dwelling forms, coverage is provided for additional living expenses. If the home is uninhabitable due to a covered peril and you must temporarily relocate, most policies will reimburse for the reasonable expenses incurred over and above your normal living costs. For example, it would probably cover all reasonable housing expenses since you will be paying a mortgage payment, but would only cover food expenses over and above what the policyholder normally would pay for food.

It is imperative that you retain all receipts for these expenses in order for them to be considered as a part of the loss. The expenses must be in line with normal living costs and must be a necessary and direct result of the loss.

Most policies limit recovery under additional living expenses to a percentage of the amount of coverage on the home itself.

4. What coverage is there for trees that are down?

There is no coverage under standard dwelling and homeowners policies for damage to trees by “weather perils” (such as wind). However, if the tree falls and causes damage to some other type of covered property (such as a house or fence), the damage to the house or fence would be covered. Separate windstorm coverage can be purchased as an added endorsement.

5. Power was out for five days and the food in my freezer and refrigerator spoiled. Is it covered?

Generally, most residential policies do not cover food spoilage resulting from power outages due to the “power failure” exclusion. A small number of companies provide some very limited coverage (i.e., $250-$500) as a coverage enhancement. Aside from this, coverage is generally not available.

6. When power finally came back on, a power surge damaged some of my electrical equipment. Is it covered?

Most homeowners policies provide coverage as “sudden and accidental damage from artificially generated electrical current”; however, coverage does not apply to loss of transistors, computer chips and similar items. Therefore, damage from a power surge would not be covered for property such as televisions, VCRs, computers or similar items.

7. The adjuster was here last week and I still haven’t gotten my check. How long is this going to take?

After the adjuster has visited the insured, he must complete detailed paperwork on the loss, which is subsequently submitted to the carrier for review. After everything has been checked, the carrier will issue the claims draft to the insured. If the adjuster is carrying a heavy claim load, there is often quite a delay in completing the paperwork by the adjuster, since they generally must do this at night, as well as the delay at the company as it deals with thousands of claims to review at one time. Often, an insurance agent can check with the adjuster to find out exactly when the paperwork was submitted to the carrier. If the papers have been sent in, the company also may be able to provide a status report.

8. I’ve just received my claim check and it’s not enough.

If the check is for a lower amount than the insured expected, it is usually due to policy terms that require settlement on an actual-cash-value basis with replacement cost being paid at the time repairs or replacements are actually completed. Check with your agent or company.

9. What is the difference between actual cash value and replacement cost coverage?

If the policy indicates that settlement will be on a replacement cost basis, then payment will be made for the actual cost to repair or replace at today’s prices, limited only by the total amount of coverage that was purchased. If the adjustment basis is actual cash value, settlement will be made by determining the replacement cost at today’s prices and subtracting from that amount a reasonable amount for depreciation, age or obsolescence. Some policies provide coverage for the home on a “guaranteed replacement cost” basis. In this situation, the carrier will pay whatever it costs to repair or rebuild the home, regardless of policy limits.

10. I was told I was ‘underinsured.’ How can this be?Too often, homeowners neglect to review their homeowners insurance. Changes to your home such as the addition of a room or an increase in your home’s value may affect your coverage. Call your professional insurance agent for the best advice.

What is a Hurricane Deductible?

2011-08-24T09:02:00.000-07:00

Weather, weather everywhere...what's going to happen next? I know what you are thinking...fires, rain, tornados, now earthquakes, and oh wait...here comes Irene...a hurricane. With so much going on, you might be asking am I covered? What is my deductible? How much damage do I have to have to put in a claim? The answer to all of this is...it depends. Comforting, I know.

Well with Irene knocking at our door like that unwanted relative you knew was coming but you hoped you could ignore, let me clarify a few things for you as far as insurance definitions go. Specifically speaking, the differences between a Hurricane deductible and a Wind deductible.

When Is Hurricane Season Anyway?

The Atlantic Hurricane season officially starts from July to October, but can range anywhere from June all the way through November. During this time, every costal state from Florida to Maine could potentially be affected by these named storms.

What is the Difference Between a Wind Deductible and a Hurricane Deductible?

Depending on the policy you have, there are two different kinds of deductibles.

1.) Hurricane Deductible - A Hurricane deductible is as it states, soley from damage from a Hurricane. Some companies use a specific "mile-per-hour" wind speed while others state that the Hurricane would have to be designated by the National Weather Service or the National Hurricane Center.

2.) Wind Deductible - A wind deductible is more stringent in that it applies to any wind damage, not specific to a Hurricane or a particular "mile-per-hour" wind.

How Do I Know What I Have and What the Triggers are?

For New York State, a Hurricane or wind deductible is mainly applicapable to the downstate counties - ie. Suffolk, Nassau, the five boroughs, Westchester, and sometimes Putnam, Rockland & Orange Counties. Check your policy or call your agent to be sure what the triggers are (ie. when these specific deductibles would apply) and what the % of your deductible is. For these deductibles, they are often higher than your main deductible. For example, if you have a $1000 deductible on your homeowners policy but you may have a 5% Hurricane deductible. Depending on the trigger the company sets, if you have a house valued at $500,000, your hurricane deductible would be $25,000 instead of your normal $1000. In some cases with certain companies you can "buy-back" coverage to lower your deductible. It is important to check your policy so that you are prepared as far as what your deductible would be and what the triggers are based on your carrier.

Where Can I Get More Information?

Hurricane deductibles as of 9/1/2009 by company can be viewed on the New York State Department of Insurance Web site at http://www.ins.state.ny.us/ in the Homeowners Resources Center under "Windstorm Deductibles".

If you are unsure of what your policy contains or when to put in a claim, contact your agent or your insurance company. They can review your coverages and make any changes necessary so that you are not only prepared, but are comfortable with the insurance you are purchasing.

For more tips on being prepared go to: http://www.nhc.noaa.gov/HAW2/english/prepare/supply_kit.shtml

Ten Things All Car & Truck Drivers Shoulds Know About Motorcycles

2011-08-19T14:08:00.000-07:00

Over half of all fatal motorcycle crashes involve another vehicle. Most of the time, the motorist, not the motorcyclist, is at fault. There are a lot more cars and trucks than motorcycles on the road, and some drivers don't "recognize" a motorcycle - they ignore it (usually unintentionally)

Because of its small size, a motorcycle can be easily hidden in a car's blind spots (door/roof pillars) or masked by objects or backgrounds outside a car (bushes, fences, bridges, etc). Take an extra moment to look for motorcycles, whether you're changing lanes or turning at intersections.

Because of its small size, a motorcycle may look farther away than it is. It may also be difficult to judge a motorcycle's speed. When checking traffic to turn at an intersection or into (or out of) a driveway, predict a motorcycle is closer than it looks.

Motorcyclists often slow by downshifting or merely rolling off the throttle, thus not activating the brake light. Allow more following distance, say 3 or 4 seconds. At intersections, predict a motorcyclist may slow down without visual warning.

Motorcyclists often adjust position within a lane to be seen more easily and to minimize the effects of road debris, passing vehicles, and wind. Understand that motorcyclists adjust lane position for a purpose, not to be reckless or show off or to allow you to share the lane with them.

Turn signals on a motorcycle usually are not self-canceling, thus some riders (especially beginners) sometimes forget to turn them off after a turn or lane change. Make sure a motorcycle's signal is for real.

Maneuverability is one of a motorcycle's better characteristics, especially at slower speeds and with good road conditions, but don't expect a motorcyclist to always be able to dodge out of the way.

Stopping distance for motorcycles is nearly the same as for cars, but slippery pavement makes stopping quickly difficult. Allow more following distance behind a motorcycle because it can't always stop "on a dime."

When a motorcycle is in motion, see more than the motorcycle - see the person under the helmet, who could be your friend, neighbor, or relative.

If a driver crashes into a motorcyclist, bicyclist, or pedestrian and causes serious injury, the driver would likely never forgive himself/herself.

Do I Have Any Control Over My Auto Insurance Rates?

2011-04-22T10:09:00.000-07:00

In today’s market, where affordable personal auto insurance seems less and less available, you may wonder if there’s any way to control rising premiums. You’ve already taken one step by choosing an independent insurance agent, representing multiple companies, so we can give you the right insurance to fit your needs. Besides choosing the right insurance company, there are some other tips to help you control the rates you pay for auto insurance.

DRIVING RECORD
An operator’s driving history affects rates and could predict future claims activity. Obeying the rules of the road and driving defensively are your best ways to lower premiums.

TYPE OF VEHICLE
A major factor in the rating of the coverages that pay to repair your car is the type of vehicle you own. In assigning a rate, most insurance companies begin with the cost of the vehicle and the model year. Generally, the higher the cost of the vehicle and the newer it is, the higher the rate. However, further adjustments are made for the vehicle’s weight, body type, engine performance, actual loss experience from past years for that model, etc. We can give you a premium comparison for vehicles you are considering purchasing or leasing, which will give you some control over the cost of your insurance.

COVERAGE
Some people prefer to assume more of the risk of loss on their autos and save on premiums. It may make sense for you to remove coverages on older vehicles, or increase your deductibles on newer vehicles. A common rule of thumb is that for vehicles more than 10 years old, many do not cover them for other-than-collision (or comprehensive) or collision coverage (physical damage). However, to obtain glass coverage on a vehicle, you would have to maintain other-than-collision coverage.

USE AND RESIDENCE
Your employment opportunities and lifestyle most likely will dictate the kind of use your vehicles get and the location at which they are garaged—two things that impact your premiums. However, there is a way you can gain some control over the rating of your vehicles. You may want to consider driving the lowest-rated vehicle (for example, an older vehicle without physical damage coverage) for activities that have the highest rate for use (for example, business use or long-distance commuting to work).

PAYING ON TIME
Always pay your premiums on time. Issuing cancellations, processing late payments and then issuing reinstatements, add significant costs to the servicing of auto insurance policies. Some companies have a low tolerance for late payments under policies that are eligible for their preferred pricing.

YOUR CREDIT SCORE
Many insurance companies have established a link between a person’s credit history and that person’s probability of having a car accident. As strange as this may sound, there appears to be an objective basis for using credit analysis, known as insurance credit scores, to predict which policyholders will have greater-than-average loss experience or less-than-average loss experience. Managing your credit and your credit report will help to lower rates on your auto insurance.

DISCOUNTS
There are some standard discounts, such as those for taking a driver-training course or a defensive-driving course, qualifying as a good student, insuring multiple vehicles on the same policy, installing certain anti-theft devices and maintaining certain safety equipment (for example, passive restraints, anti-lock brakes or good student discounts). Some insurance companies have developed their own discounts for such things as buying your homeowners policy from the same company. Our agency would like you to take advantage of every discount that is available to you, so don’t hesitate to call us for a discount review.

FIGHTING FRAUD
Lawmakers are working on bills that would help prevent fraud. If you are concerned about your auto insurance costs, be sure to contact your state legislators and urge them to reach agreement on reforms to drive the cost down.

Information provided by Professional Insurance Agents of NY
"Your Professional Insurance Agent … We want you to know about the insurance you’re buying."

What To Do When Driving In Snow & Ice

2010-12-27T12:49:00.000-08:00

The best advice for driving in bad winter weather is not to drive at all, if you can avoid it.

Don't go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination.

If you must drive in snowy conditions, make sure your car is prepared, and that you know how to handle road conditions.

It's helpful to practice winter driving techniques in a snowy, open parking lot, so you're familiar with how your car handles. Consult your owner's manual for tips specific to your vehicle.

Tips For Driving Safely On Icy Roads

1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.

2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.

3. Turn on your lights to increase your visibility to other motorists.

4. Keep your lights and windshield clean.

5. Use low gears to keep traction, especially on hills.

6. Don't use cruise control or overdrive on icy roads.

7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.

8. Don't pass snow plows and sanding trucks. The drivers have limited visibility, and you're likely to find the road in front of them worse than the road behind.

9. Don't assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

What Do You Do If Your Rear Wheels Skid?

1. Take your foot off the accelerator.

2. Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they're sliding right, steer right.

3. If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle completely under control.

4. If you have standard brakes, pump them gently.

5. If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.

What About If My Front Wheels Skid?

1. Take your foot off the gas and shift to neutral, but don't try to steer immediately.

2. As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in "drive" or release the clutch, and accelerate gently.

What About If I Get Stuck?

1. Do not spin your wheels. This will only dig you in deeper.

2. Turn your wheels from side to side a few times to push snow out of the way.

3. Use a light touch on the gas, to ease your car out.

4. Use a shovel to clear snow away from the wheels and the underside of the car.

5. Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.

6. Try rocking the vehicle. (Check your owner's manual first — it can damage the transmission on some vehicles.) Shift from forward to reverse, and back again. Each time you're in gear, give a light touch on the gas until the vehicle gets going.

Water, water, everywhere...

2010-07-28T20:31:00.000-07:00

I’ve gone back and forth over the years with clients both for homeowners and business owners about the importance of Flood Insurance. Did you know that out of all of the types of “what-if’s” that can happen that water can do the most damage? You know this if your basement has ever filled with water, your water heater broke, or even if it has rained for days and there is no place for the rain to go. Just a few inches of water can cause tens or even hundreds of thousands of dollars of damage and can be both emotionally & financially draining if you don’t have the proper coverage in place.

I know what you are thinking – “But I don’t live in a flood zone. My mortgage company doesn’t require it, so why should I have it?”

Here is why:

1.) Because a flood can occur anywhere and at anytime quickly without warning. This is the definition of what we call Flash Flooding. You know that rain that comes from nowhere & has no place to go…so it goes into your house and anyplace it can travel? That is Flash Flooding.

2.) Because there is no coverage for this type of loss on your homeowners insurance.

Flood Defined
The National Flood Insurance Program defines a flood as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is you property) from:

· Overflow of inland or tidal water

· Unusual or rapid accumulation or runoff of surface waters from ANY source

· Mudflow

· Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. “

Is Flood Insurance Really Worth It?
Take in point this scenario: You live on .25 acres and so do your neighbors and your neighbor’s pool breaks and is now on yours and their property – you now have a flood. Why? Because this is considered by the NFIP “an unusual rapid accumulation of surface waters from ANY source with partial inundation of two or more properties.” So if you have flood coverage, you would be covered up to the limits of the policy, which you would discuss with your agent.

Ok. So How Much Can I Get & What Does It Cost Me?
You can purchase up to $250,000 on your home and up to $100,000 on contents. Businesses can purchase up to $500,000 through the NFIP. The cost of the Flood Insurance can vary based on if you live in a Flood Zone and on how much coverage you need. If you are curious, you should contact you agent.

Can I Get Flood Insurance Even If I’m Not In a Flood Zone?
Yes! Actually a flood – or flash floods can happen anywhere even if your not in a “flood zone.” The good news is that flood insurance for you, is less expensive than if you live in a flood zone.

How & When Can I Buy Flood Insurance?
You can purchase flood insurance at any time, whether you live in a flood zone or not, but be aware that in most cases, there is a 30-day waiting period unless your mortgage company is requiring it. Call your agent for more information on how you can purchase flood insurance and for more information. Or visit the FEMA Website which can also give you more information.

http://www.fema.gov/hazard/flood/fl_terms.shtm or visit http://www.floodsmart.gov

The Most Important Gear to Protect You on Your Motorcycle

2010-07-06T13:37:00.000-07:00

If you own a motorcycle, one of the best parts about a nice day is going for a long ride. Whether it be by yourself or in a group, there is something about the wind in your face and its just you and the open road. But just you and the open road is exactly the reason why you have to take precautions to make sure you safe at the same time. Its also a reason why getting the right coverage can be more protection for you than your helmet and gear.

Its around this time, we get a lot of calls for motorcycle coverage. The customer calls us looking for coverage…cheap coverage. Cheap however, isn’t always saving you in the long run.

Did you know that in New York State Personal Injury Coverage doesn’t cover you on your motorcycle?
I know what you are thinking… “What? Wait a minute I see Personal Injury coverage on the quote you gave me.” Yes, there is PIP coverage for motorcycles which is required by New York State but it only applies to injured pedestrians. Not to you. Not to your passengers.

Your reply: “Ok. Well I have health insurance, so I don’t need that PIP coverage anyways." Wrong again. Unfortunately, if you are injured in a motorcycle accident where you are driving the motorcycle, your health insurance will not pick up the tab either.

Finally your reply: “Ok. Is there ANYTHING that will cover me if I wipe out on my bike?”
Yes. Actually with many companies, you can purchase voluntary coverage called Medical Payments. While sometimes this may not be as high as the limit on a personal auto policy, many companies offer coverage anywhere from $5,000 to $25,000 or higher in medical payments. This is what will cover you if you are injured on your motorcycle.

One last question: “What about my passengers who are on my bike with me?”
Your passenger would be covered under the passenger liability portion on your policy. Some companies include this directly with the Bodily Injury coverage on the liability of your policy. Other companies have this as an option. Make sure your agent includes this if it isn’t already included.

Things to Remember:
Besides protecting yourself with a helmet and the proper gear, make sure you double check your coverages before you head out to hit the open road this summer. Make sure your agent max’s out the coverage for you on your policy on your medical payments. If you are getting a quote and they are quoting you with multiple carriers find out what the maximum coverage each company offers. Be sure you know exactly what you are paying for. If you are unsure of the coverages, ask your agent to explain and review them with you so that you understand them. This is the only coverage to protect you on the open road. Know before you go, it can be just as important as a helmet.

Don’t Get Burned This Summer! Add an insurance review to your check list for this summer.

2010-06-16T20:53:00.000-07:00

þ Sunglasses…check!

þ SPF 15…no…30….check!

þ Beach towel…check!

þ Bathing suit…check!

þ Book…check!

þ Extra Liability Insurance…chec…huh? what? Liability for the beach?

No. I didn’t stutter, I said extra liability. I know what you are thinking, “Amy, this is my time to take a vacation, relax, and to not worry about the details.”

But with more people on the road traveling to the beaches whether it be downstate, upstate or any state, you are going to run into more people, both figuratively & literally. Kids are out running around, across your property. You are out at the beach, camping or simply driving to your summer fun getaway, so while liability insurance or the proper coverage probably isn’t on your top priority list, it should be on your list of things to take with you before you go on vacation this summer. With more people comes more change of accidents or something happening. Nobody plans for an accident, that’s why its called one in the first place. But when it happens, the last thing you want to have to worry about is a claim gone wrong or not enough coverage. Not enough coverage is like getting rained out at the beach. Be prepared this summer. Make sure you have enough liability.

You want to be sure that if one of the neighborhood kids trips and gets hurt on you property you have enough liability. You want to be sure that if you were camping and an accident happened that you have enough medical payments or liability insurance to cover you wherever you are. You want to be sure that if you go on vacation, your home is covered properly. You want to be sure that if you got into a car accident, you have enough coverage, even if the other guy doesn’t.

I know you are thinking now, “Amy, I’m leaving in a few days for the beach. I don’t have time to do ALL of this!” That is what your agent is for. Ask them to sit down for an quick review of what you have to be sure you are carrying enough so that you don’t get burned this summer. It can take less than 20 minutes and can be well worth the time.

Not sure if you have enough? Email us for a free checklist to take the quiz. abryan@bryanagency.com

Have a Safe & Happy Summer!

Are You "On Track" about Off Premises Theft?

2010-02-18T19:14:00.000-08:00

Off premises theft coverage: (n.) coverage provided to you off the premises you reside for the act of stealing your belongings.

So now I know what your thinking…”Amy, translate this insurance jargon into something that makes send to me…PLEASE!”

Ok, so basically if someone breaks into your car and jacks your golf clubs and your IPOD, this coverage would be able to replace those for you.

Charlie Customer: “Oh, so this is under my car insurance right?”

Me: “No, its covered under your home, condo, or renters insurance policy.”

Charlie Customer: “Wait, someone breaks into my car and steals my IPOD and that’s part of a renters policy or my homeowners?”

Me: “Yes. Because anything that isn’t attached to the car – IPOD, your Garmin GPS, your golf clubs, etc. are all considered personal property and is covered under your home insurance.”

Ok. So now that we get that part, here’s the unique to New York downstate home insurance coverage: “Off Premises Theft Exclusion” - included in all downstate New York policies

Translation - this means if you live in Bronx, Kings, Nassau, Queens, Suffolk, Putnam, Rockland, Westchester, and New York Counties this coverage is in most cases NOT automatically included in your homeowners, renters, or condo insurance policies. This means, that if you live in these counties, and do not elect to add this coverage in (yes, this is usually at a small additional cost), many insurance companies do not automatically include coverage for your stuff if you take it out of your house. This includes when you go away on vacation, golf clubs in your car, etc. If you don't have this coverage on your policy, you will not be covered. Sorry Charlie.

-> However on a side note, If you live upstate above these counties, this coverage is automatically included and you can opt-out of the coverage if you wish.

So what do I do? How do I get this coverage?
If you live in one of these downstate New York counties and do not know if you have this coverage or not, I would encourage you to look at your policy. Take a look anyways! And also call your trusted insurance professional. Ask them what it would cost to add this on – probably less than an IPOD and a set of golf clubs.

Renters Insurance…huh?

2010-02-02T20:42:00.000-08:00

I have heard this time and time again…and it usually begins while I’m quoting an auto policy for someone.

Us: “Ok. And do you have homeowners insurance?”

Customer A: “Me? No. No. I rent.”

Us: “Oh ok, no problem. Do you have a renters policy?”

Customer A: “Renters Insurance? No, I don’t need that. I don’t need to spend anymore money.”

Us: “Ok, I can understand that. I don’t want you to spend more money either especially on things you don’t need. Do you know what renters insurance would cover you for?”

Customer A: (silent pause) “no”

Ok…so here’s the part where we usually explain all that renters insurance covers them for – and its not just for a few t-shirts and an old T.V.

Personal Property
Yes. Renters insurance DOES cover all of your belongings. This means EVERYTHING – from your dishes, your couch, your bed, your clothes, shoes (all of them), electronics, etc. Now if your like me, I have work clothes, going out clothes, workout clothes, and more. And don’t even get me started on shoes…which now occupy a closet on their own. All of this stuff can add up after a while. Now if you golf, collect coins, dolls, baseball cards, etc. this can add up even more. So, now that your head is spinning, your probably asking well how do I know how much I need to cover? My suggestion is to start with a home inventory checklist. (Email me & I can send you one for free if you need it)

Loss of Use
Ok. So now that we have all of your stuff covered, what else is there? Well in renters insurance, there is a LOT more. The next part, which most people don’t know, is that renters insurance covers “loss of use” coverage. What this means is that in the event of a claim, or worse yet in the event that your neighbor above you has a fire & the you now have water damage, smoke damage, and no power until the electric company says its ok to come back, you have coverage that pays for you to stay someplace else in the meantime! How great is that? You don’t have to move in with friends, or worse yet, back with your parents. Some policies give you a monthly limit and other policies give you a monetary amount, check the policy to be sure you have enough coverage.

Personal Liability
So, now we have your stuff that can be replaced and a place for you to stay…but wait, that’s not all. On top of that, there is also personal liability coverage, which covers you and your family in the event that someone sues you for an event that you are personally liable.

WHAT? I know what your thinking…”Amy, that makes no sense. You lost me & how much is this going to cost me?” Let me explain it in a better way. Someone gets seriously injured in your apartment or on your property and decides they are going to place a lawsuit against you. You have liability coverage to cover you. Or wait, here’s an even cooler example: You’re a golfer (a really sucky golfer). Your out on the course with your buddies and you shank a ball into the other hole. Besides killing your chances of beating your buddies despite all of your bragging before the game, you have now also hit the guy on the next hole in the head and knocked him out. Now what? The ambulance comes, checks out the guy, takes him for a CAT Scan to be sure he checks out and the worse part is…this can ALL come back to you. But here’s the best part, a renters insurance policy’s personal liability policy has coverage which covers you wherever you are! So you can get out on the golf course & really stink it up!

Medical Payments
Ok..So this part goes hand in hand with Personal Liability. Medical Payments covers you for simple slip and falls, minor accidents where there is no lawsuit. If this turns into a lawsuit, then your liability coverage would kick in here.

Great. So Now What?
So that’s it. That’s the basics of renters insurance. But here’s what most people don’t think of, if you live in a multi-family home or apartment complex and you should ALWAYS have renters insurance. Why? Because I don’t care how much you know your neighbors, accidents happen. Someone forgets to blow out a candle or cigarette. Someone toilet overflows from upstairs into your unit. The person in 2A next to you moves in and is a horrible cook. Anything can happen. I have seen it. And sometimes, it doesn’t even have to be directly your fault for a claim to affect you. Your neighbor can have a fire and now you have smoke and water damage. And now you find out your landlord only covers the building. As much as he’s a nice guy, he is not responsible for your stuff or where you stay while the building is condemned until it gets repaired.

I know this may seem excessive to write a lot about something that is so small a policy. But I'm passionate about this because I have seen families suffer from fires and have no place to stay and lose all of their belongings. I have seen water damage from a fire in the apartment above where it wasn't even the person's fault. I saw a roof collapse on an apartment in the middle of the night and they had to figure out where to stay. And I have seen a four family where only one of the four had renters insurance. The one couple was set. Their stuff was replaced or dry cleaned. They had a place to stay (not mom & dad’s) and they had nothing to worry about. The other three? Had to figure it out on their own.

Now, I know I still didn’t address the part that’s been in the back of your mind… "but Amy, how much does this cost?” Did you know, that most policies range between $10 - $30/ month depending on what your coverage is that you need.

Did you also know that a small kitchen fire can cost you upwards of $10,000 or more? And then, after the landlord’s insurance company finds that you are at fault, their insurance company will sue you for negligence & ask for damages – which can be upwards of $25,000 for damages to the building. Yes. That’s right, they can sue you. I have seen it. But guess what? Your renters policy would cover this.

So for $10-$30 a month, you can have peace of mind and loads of coverage, and in some cases a discount on your auto policy. If you don’t have one and you rent, get a renters policy today. Talk to a trusted agent about what is right for you and your family.

If you have a story, I would love to hear your experiences or your thoughts on this.

What is Water Back Up & Sump Pump Overflow?

2010-01-26T20:48:00.001-08:00

Do you know what Water Back Up & Sump Pump Overflow coverage is and how it can help you? We get lots of questions about this coverage on a homeowners policy. Many people either have never heard of it, don’t know it exists, or don’t know how it would apply to them & their situation.

When we get to this coverage in the quote or policy for a customer, the conversation usually goes something like this…

Us: “And we gave you water back up & sump overflow coverage up to $5,000 on your policy.”

Customer A: “Water what? What is that? What does that mean? How much is it costing me?”

Us: “Well, water back up & Sump overflow is if your pipes or sewers back up into your house & overflow into the house. This is different from flood insurance, and your homeowners insurance policy typically does not automatically cover this for you in your home. In the event that your pipes back up into your house, which I hope that they never do, because believe me this is messy, this additional coverage would help to cover the cost of this.”

Customer "A" now ponders a few factors in this coverage and they go one of three ways –
1.) They ask how much it costs, with which we reply it ranges from company to
company. Some automatically include this with certain other coverages, while
other companies offer this at an additional price. After the thought of
cleaning up sewer or toilet water in their house on their own, they figure
the benefits outweigh the cost.
2.) They tell me no thanks because that never happens to them or they don’t
think it will.
3.) They ask me if they can go higher than $5000 for coverage in which case,
many companies do offer more coverage for this specifically.

Many people have not heard of this coverage or do not know specifically what this coverage does for someone in a real life scenario. Well, if you have had sewer pipes back up into your house, or overflow causing a gross & disgusting mess, it only takes you once to realize the importance of this, and that you probably don’t want to go through that again if you can avoid it.

My question for you would be, knowing what this coverage covers you for and knowing that without it, even though this is water damage there is no coverage unless you have this specific addition to your policy, which would you choose?

My other comment to you would be to look at your homeowners, renters, or condo owner’s policy and if you don’t have this coverage and think it would be useful to you with what you know now, please talk to your agent or your insurance carrier to find out how to add this coverage onto your policy. You can add this on for a few bucks a month. Trust me, its better than cleaning up 3 inches of messy water in your house.

Safe Driving This Holiday Season

2009-12-17T14:14:00.000-08:00

This holiday season, I am sure you all have a party or two to go to. Here is some information on the dangers of drunk driving & how to keep yourself safe this holiday season.

Every day, 36 people in the United States die, and approximately 700 more are injured, in motor vehicle crashes involving an alcohol-impaired driver. The annual cost of alcohol-related crashes totals more than $51 billion.

The latest Insurance Institute for Highway Safety study revealed there were nearly 13,500 alcohol-related fatalities—one death every 39 minutes.

What can I do to help reduce drunk-driving incidents?
The best way to help curb the nation’s drunk-driving crisis is not to contribute to the problem. If you’ve had too much to drink, do not attempt to drive. Instead, call for a cab or ask a sober friend to take you home.

Likewise, never accept a ride from someone who has been drinking. And, do not allow intoxicated friends to get behind the wheel of a car.

How can I protect myself from drunk drivers?
It is estimated, approximately four million innocent people are injured or have their vehicles damaged in alcohol-related accidents each year.

To protect yourself, wear your seat belt at all times, and make sure children are secured in child safety seats in the back seat. Also, be aware of the warning signs of drunk drivers.

What are the warning signs of a drunk driver?
Be cautious of any driver who:

makes unnecessarily wide turns;

straddles lanes or drives on the median line;

drives at night without headlights;

drives at speeds below the speed limit;

brakes erratically or stops without cause;

accelerates or decelerates rapidly; and/or

nearly strikes an object or curb.

What should I do if I encounter a drunk driver on the road?
If you notice a driver displaying any of the warning signs, maintain a safe distance from the vehicle and do not attempt to stop it.

Instead, note the vehicle’s license plate number, the vehicle’s description and the direction in which it is traveling. Then contact the police from a cell phone or nearby pay phone. Your action could save lives.

I’m hosting a party and I’m concerned about my guests drinking and driving. What can I do to reduce the risk?
Home hosts have a duty to serve alcohol responsibly and conscientiously. They need to see intoxicated guests do not get behind the wheel of a car, creating a risk of harm to themselves and others on the road.

Follow these tips to ensure safety when serving alcohol at your next party:

Serve alcoholic drinks only upon request, and offer nonalcoholic beverages such as sparkling water, fancy juice drinks and soft drinks.

Avoid making alcohol the main focus of the social event. Entertain guests with music, games and dancing.

Always serve food when serving alcohol. High-protein foods such as meat and cheeses take longer to digest, slowing the rate at which the body absorbs alcohol. However, try not to serve salty foods, which make people thirsty and inclined to drink more.

Be careful not to serve alcohol to minors. Limit access to the bar if minors are on the guest list, and verify the ages of young guests before serving them.

It’s winter—pay special attention to fire safety

2009-12-05T08:29:00.000-08:00

December, January and February are the leading months for home fires and fire deaths in the U.S. On average, more than one-third of home fire deaths in the United States occur during the winter months. Here are tips to help you protect your family and your home.

How can I heat my home safely?
According to a report from the National Fire Prevention Association, heating equipment fires are the second-leading cause of fire deaths in American homes and the biggest fire culprit December through February. According to the association, most fires could be avoided by taking simple safety precautions.

Select equipment that bears the mark of an independent testing laboratory.
Be sure the equipment is installed by a trained professional, in compliance with local fire and building codes.
Keep all portable heaters (whether powered by electricity or fuel) at least 36 inches from anything that can burn—including furniture, bedding, clothing, pets and people.
Run space heaters only when you are in the room and awake. And, supervise all children and pets when the heaters are in use.
If you are using a portable kerosene heater, use only the fuel recommended by the manufacturer. Store the kerosene away from heat or open flame in a container approved by your local fire department, and be sure it’s clearly marked with the fuel name.
Have your chimney inspected (and cleaned, if necessary) prior to the start of every heating season.
If using a wood stove, follow the manufacturer’s recommendations for installation, use and maintenance.
When disposing of the ashes from your fireplace or wood stove, first make sure all embers are extinguished. Put water on them to be sure. Discard away from the home.

What hazards should I look out for during the holiday season?
’Tis the season for celebrating—more entertaining, more cooking and an increased risk of fire. Keep your family safe this holiday season with these tips.

Use care when burning candles. Make sure they are in sturdy holders, kept well away from decorations and out of the reach of children or pets.
Never use candles to decorate your Christmas tree.
Don’t leave items you’re cooking unattended—it’s the leading cause of fire in the U.S.
Choose an artificial or fresh Christmas tree and place it well away from heat sources. Water fresh trees every day.
If using an artificial tree, make sure it’s flame retardant.
Replace any lights with frayed or damaged cords. And, always unplug all lights before leaving home or going to sleep.
Don’t overload electrical outlets.
Be sure the candles in your menorah have burned out before you leave the house or go to sleep.

Also, be sure your homeowners insurance reflects the amount of coverage you need to replace your home and possessions. This could mean checking to be sure you have replacement cost coverage.

Call our agency. We’ll be glad to review and explain your coverage to you. 888-565-2212

Let's Talk Turkey

2009-11-23T19:59:00.000-08:00

Have you ever deep fried a turkey or perhaps you are thinking of deep frying a turkey this year? What started out as a Southern tradition, had become a mainstream way of cooking a turkey, especially at Thanksgiving.

Whether its a plain turkey or the ever popular, turducken (a turkey stuffed with a duck & then stuffed with a chicken, whatever your taste, and whenever you choose to cook it, if a tasty deep-fried bird is in your plans, keep in mind that while it can be a very social and fun time with friends and family, it can also be very dangerous.

The biggest rule when using turkey fryers is to never leave them unattended! Many dangers associated with turkey fryers are due to consumer misuse or inattentiveness, and really, it is a two-person job. To prevent the risk of a tip-over, overheating, or spilling hot oil that could lead to fire and severe burns, it’s important that turkey fryers be used under close supervision and with extreme caution.

Here are some safety tips when frying a bird:

Turkey fryers should be used outdoors a safe distance from buildings and other material that can burn.
Never use turkey fryers on wooden decks, in garages or in any covered area.
Make sure the fryers are used on a flat surface to reduce accidental tipping.
Keep the gas supply a safe distance from the fryer, and if the oil begins to smoke, immediately turn the supply off.
Never leave the fryer unattended. Most units do not have thermostat controls. If you don’t watch the fryer carefully, the oil will continue to heat until it catches fire.
Never let children or pets near the fryer when in use. Even after use, never allow them near the turkey fryer. The oil inside can remain dangerously hot hours after use.
To avoid oil spillover, do not overfill the fryer.
Use well-insulated potholders or oven mitts when touching the pot or lid handles. The sides and handles of a fryer become very hot. If possible, wear safety goggles to protect your eyes from oil splatter.
Make sure the turkey is completely thawed. The National Turkey Federation recommends 24 hours of thawing for every five pounds of bird before cooking in a turkey fryer.
Be careful with marinades. Oil and water don’t mix, and water causes oil to spill over, causing fire or even an explosion hazard.
Keep an all-purpose fire extinguisher nearby. Never use water to extinguish a grease fire. Remember to use your best judgment when attempting to fight a fire. If the fire is manageable, use an all-purpose fire extinguisher. If the fire increases, immediately call 911 for help.

Additionally, the Consumer Product Safety Council recommends consumers follow these safety guidelines as they prepare to use a turkey fryer:

Make sure there is at least two feet of space between the liquid propane tank and fryer burner.
Place the liquid propane gas tank and fryer so that any wind blows the heat of the fryer away from the gas tank.
Center the pot over the burner on the cooker.
Completely thaw and dry the turkey before cooking. Partially frozen and/or wet turkeys can produce excessive hot oil splatter when added to the oil.

Follow the manufacturer's instructions to determine the proper amount of oil to add. If these are not available:

Place turkey in pot.
Fill with water until the turkey is covered by about 1/2 inch of water.
Remove and dry turkey.
Mark water level.
Dump water, dry the pot, and fill with oil to the marked level.

For more tips and topics, email info@bryanagency.com. Have a safe & Happy Thanksgiving!

Don’t be tricked by Halloween fire hazards

2009-09-23T20:08:00.000-07:00

Halloween can be a fun-filled time for children and adults alike. This Halloween, be sure to pay attention to certain fire safety guidelines to keep the trick or treaters safe and sound.

How can I keep my child’s costume safe?
Whether buying one or making your own, be sure fabrics for costumes and decorative materials are flame resistant. Don’t permit your children to go trick or treating with candles; instead, outfit each with his or her own flashlight. To be more festive, there are Halloween-themed flashlights created just for this purpose. Costumes should be made without billowing or long-trailing features that present a higher risk of igniting.

What hazards are in the home?
According to the National Fire Prevention Association, fires caused by candles have been soaring in recent years, as many families use candles to decorate during this time of year. When decorating, keep in mind that dried flowers, cornstalks and crepe paper are highly flammable. Keep these items away from heat sources. Illuminate your jack-o-lanterns with small
flashlights instead of candles. Keep exits clear in case evacuation becomes necessary.

Are there other safety issues I should consider?
Although Halloween can be a lot of fun for children, certain safety precautions should be taken to ensure that the festivities are safe as well as fun. Keep in mind these safety tips when sending your child out trick or treating:

• Only visit the homes of people you know.

• Children should trick or treat in groups or with adult supervision.

• Wear reflective clothing so that motorists easily can see children crossing the street.

• Don’t eat any of the treats until you are at home and an adult has inspected all the goodies.

Planning ahead can keep your children and home safe this Halloween.

More questions? Call us 888-565-2212 or email us info@bryanagency.com

Answers to questions you may have before going on vacation.

2009-07-21T06:24:00.000-07:00

How can I secure my house or apartment while I’m away?
Create a lived-in look to deter burglars. Do this by stopping newspaper and mail deliveries, asking a neighbor to park their car in your driveway occasionally, and putting lights on a timer or asking a neighbor to turn lights on in the evening. Use a telephone answering machine or call forwarding to quiet ringing telephones. And, make sure that all windows and doors are locked to make entry difficult for intruders.

If my home is burglarized or damaged by fire,

are all of my possessions covered?
Under a standard homeowners insurance policy for a single-family home, the contents of the home are normally covered for at least 50 percent of the amount of insurance on the building ($50,000 contents coverage on a house insured for $100,000). A renters policy is written for a specified dollar amount, based on what you own, to cover the loss of personal belongings in your apartment. There are special limits of liability on certain items in certain situations, however. Typically, there is a $100 or $200 limit on money and $1,000 on securities, passports, tickets and stamps. There is generally a $1,000 limit on watercraft, trailers and outboard motors. For fine jewelry, furs and watches that are stolen, a usual limit of $1,000 is set. And, there is typically a $2,000 limit for theft of guns and a $2,500 limit on theft of silverware, goldware and pewterware.

A home inventory is important to have should you become the victim of a burglary or fire. The inventory is a list of your possessions, including makes, models and serial numbers. Photographs or a videotape of your belongings are other ways of recording what you own. These records should be kept in a safe place away from the house or apartment so they would not be lost in the event of fire.

What if the items I take with me on vacation are stolen?
Your belongings generally are covered by your homeowners or renters policy anywhere in the world, including items in storage facilities, suitcase contents and items lent to friends. Exceptions to this are items usually kept at another residence of yours, which then would be limited to the greater of $1,000 or 10 percent of the personal property limit shown on your policy (some restrictions also apply to theft). Typically, you would have another policy to cover all the eligible property at that location, including loss by theft.

We’ll be traveling by car on vacation. Do you have any suggestions?
Check with our agency to make sure that your policy is up-to-date, and make sure the car is in good running condition. While traveling, be sure your passengers wear seat belts and young children ride in car seats at all times. Also, keep cameras, purses and other valuables with you while on vacation; never leave them in the car.

I plan to rent a car for this trip. Is it necessary to buy the insurance

the rental agency sells?
It may not be. Prior to leaving for vacation, check with your professional insurance agent to determine if your personal auto insurance policy covers damage to a rented vehicle, as many policies do. You may want to contact your major credit card company to ask if a rental car charged to that account is covered for damage. If you don’t have one of these pre-existing coverages, it may be wise to purchase insurance from the rental agency.

Do I need a separate insurance policy for my boat?

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Is my boat covered under my homeowners policy or do I need a separate policy?
Most homeowners policies provide liability insurance for smaller motorboats with outboard motors of 25
horsepower or less, and for sailboats less than 26 feet long. Typically, there is $1,500 coverage for damage to the
boat for specified perils. However, theft and windstorm are limited and sinking is not covered at all.

What type of policy is best?
Boat owners are well served by a policy specifically designed to insure watercraft, offering all-risk coverage for
the boat’s full value. A boat owners policy provides the necessary liability, hull and motor coverage. The policies
follow the format of personal auto policies; however, they vary from company to company much more than auto
policies do because they are written on nonstandardized policies.

What should I look for when I select a policy or check my existing coverage?
• Limits of navigation, or where the boat can go and still be protected by the insurance policy;
• provisions for insuring sails, spars and other property on the boat;
• permissive users of the boat;
• exclusions for how the boat is used (e.g., commercial, parasailing, racing, etc.);
• all-risk versus named perils; and
• be certain the personal umbrella policy will include an underlying boat policy.

Do you have any other advice?
Consult our agency to determine what type of insurance best meets your needs. Read and make sure you
understand your policy. Periodically review your coverage with us and be sure that your craft is registered
properly. In addition, be certain to follow all laws of boat navigation, including laws regarding drinking and
boating, which are available from the U.S. Coast Guard and your local law enforcement agencies.

Is it illegal to drink alcohol while boating?
It is against federal law for a recreational boat operator to have a blood alcohol content higher than .08
percent, and for other vessel operators to have a BAC of more than .04 percent. State laws apply for boaters in
waters within state geographical boundaries.

What is the law in New York state?
New York state law prohibits the operation of a boat on state waters while one is impaired by drugs or
alcohol or is intoxicated with a blood alcohol content of .08 or more. Violators charged with boating while
intoxicated face up to a $1,000 fine; up to one year in jail; and loss of boat operating privileges for one year.

Is boating while intoxicated a widespread problem?
Federal Department of Transportation statistics show that nearly 700 boating fatalities occur in our nation
each year. Alcohol is reported officially as a factor in 21 percent of those deaths, although experts suspect the
number is much higher.

Got more questions that we didn't answer? Call the Insurance Geeks at 888-565-2212.
We're here to answer all of your insurance questions...we speak insurance, so you don't have to.
Or email us at insurancegeek@bryanagency.com