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Learn How to Take Care of Mold Growth in Your Home with These Tips

Find out how to take care of mold and mildew in your home.

Keeping your home and your health in great shape are top priorities. However, there are various dangers lurking in your home. When it comes to your health and safety in your home, it’s important that you’re wary of your risk for mold and mildew. Mold loves damp areas where it can flourish, and unfortunately, your home is full of moisture. Check out these tips to help you prevent mold growth in your home.

Check Your Home’s Drainage Systems.

When it rains, it’s important that water is carried away from your home. When water gets trapped, you have an increased risk for mold growth. The more effectively your home’s drainage systems work, the better off your home.

Inspect Your Home’s Plumbing.

A leak in your home’s pipes can lead to all sorts of disaster. Water damage left behind can leave your home susceptible to mold growth. Ensure that you are vigilant about your home’s plumbing. Inspect sinks and exposed pipes and keep an eye out for any unusual activity when it comes to your water usage.

Be Conscious of Humidity.

When it comes to your home’s humidity, it’s important that you err on the side of caution and keep it low. Humidity in the air can lead to mold growth in your home. Keep your thermostat set at optimum temperatures so that you’re best able to reduce humidity and condensation in your home. It’s also a good idea to invest in a dehumidifier so that you’re better able to reduce the humidity in your home.

When it comes to taking good care of your home, ensure that you take care of any mold problems. For added protection, invest in the right homeowners insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Determine What You Need to Know About Your Small Business Insurance

Get the right business insurance coverage for your business.

When it comes to your business, it’s important that you have the tools that you need to protect you. From property damage to a liability lawsuit, it’s important that you have business owners’ insurance. That way you can rest easy knowing that you’re safe from harm. Check out these helpful ways in which your policy helps to keep you well protected.

Cyber Liability.

In today’s digital world, data breaches and the liability consequences are a serious threat to your business. Ensure that you’re well protected with the right insurance policy. Depending on your policy, cyber liability coverage can help you to respond to attacks and defend yourself from lawsuits. This type of coverage is a must when it comes to your business.

Business Interruption.

Life is unpredictable. It’s important that you prepare your business for the unexpected. When it comes to getting the right coverage for your business, ensure that you have the right business interruption coverage. That way if you’re forced to take some time away from your business, you can get back on your feet in no time. With coverage to help you pay the rent and employees, you can stay afloat until you reopen your doors.

General Liability Coverage.

When it comes to keeping your business as safe as can be, it’s important that you have the right liability coverage. General liability helps to protect you from a wide range of issues. If your business is sued for issues of liability from libel to copyright infringement, you have the coverage that you need.

Learn all about how your business insurance policy helps you to protect your company. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Set Your Clocks Forward! It’s Time for Daylight Saving Time

Learn all about Daylight Saving Time so that you can be ready for the change.

Spring is almost here, and it’s time for Daylight Saving Time. Get ready to turn your clocks forward, on Sunday, March 12, 2017. We’ve become accustomed to this process throughout the years. It helps to give us more daylight during the summer months, but have you ever wondered how the tradition began? Check out these fun facts about Daylight Saving Time and don’t forget to “spring forward.”

Ancient History.

Despite its relatively recent history, Daylight Saving Time isn’t something new. It’s a tradition that spans back to early civilization. As the seasons changed, it was important that you had enough light to get your work done. Therefore, work was adjusted with the sun.

Modern History.

When it comes to the modern use of Daylight Saving Time, we have World War I to thank. The practice began in Germany to try to help save energy during the war. After the war, the practice was put to rest, but it resumed during World War II for similar reasons. It wasn’t until Lyndon B. Johnson was president that the practice was implemented during peacetime under the Uniform Time Act.

A Worldwide Practice.

Daylight Saving Time is used throughout the world. However, not everyone uses Daylight Saving Time. Under the Uniform Time Act, states had the option of opting out of the practice. States such as Arizona and Hawaii stick to standard time year round.

Set your clocks forward for Daylight Saving Time. As you reset your clocks, reset your insurance coverage. Review your policies so that you can ensure that you have the right coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Avoid These Insurance Misconceptions so You Get the Right Protection

Get the right insurance coverage by clearing up these common misconceptions.

When it comes to your insurance, it’s important that you get the right coverage for your needs. However, sometimes your coverage is hindered by insurance misconceptions. Debunk these insurance myths so that you’re best able to get the coverage for your needs. Check out what you need to know about these common mistakes.

Myth: I don’t need rental coverage if I have auto insurance.

While your auto insurance policy will give you some coverage when you drive another vehicle, it’s important to read the fine print. Every policy has limits. If your policy only covers liability, you’re responsible for repairing any damages to the rental car. Additionally, you may be liable for things that your insurance doesn’t cover. When renting a car, ensure that you play it safe and get the right rental insurance.

Myth: I’m covered from all disasters under my homeowners insurance.

While homeowners insurance is a great tool to protect your personal property, keep in mind that it comes with limitations. You’re only covered for certain perils under your policy, not all disasters. So, should you have flood damage, for example, you’re not covered under your policy. Make sure that you have the right coverage for your home so that you’re not left with a disaster to clean up.

Myth: I don’t have to worry if I have umbrella insurance.

Umbrella insurance is a great way to boost your personal insurance coverage. That way, if you exceed your limits on your home or auto policies, you have the added protection that you need. However, an umbrella policy isn’t bulletproof. Your umbrella policy has limitations. Keep in mind that your umbrella policy is added protection– you must first exhaust your first option. Additionally, it protects you from liability. It doesn’t give you coverage to repair damages to your property.

When it comes to your personal insurance, ensure that you haven’t succumbed to any misconceptions. Ensure that you’re getting the coverage that you need. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Keep Your Business Taxes in Order with These Tax Tips for Small Businesses

File your business taxes easily with these tax tips.

It’s that time of year again! It’s time to reconcile your books, gather all your business receipts, and file your business taxes. However, filing your taxes is a complex process that takes a lot of time and energy. Get your business’s taxes in order with these tax tips for small businesses. Here’s what you need to know, so the process runs smoothly.

Search for Deductions.

Your business has a multitude of expenses. Some of these expenses may be tax-deductible. It’s important that you review all possible tax deductions so that you’re best able to get the maximum tax return. Sort through all your expenditures and check to see where you qualify. For example, there are deductions for charitable contributions, capital expenses, and even healthcare costs. The more deductions, the greater the return.

Review Your Finances.

You need to know how much you spent and how much you earned when filing your taxes. Review your books to ensure that everything adds up correctly. That way, you have time to tie up any loose ends.

Consult with Your Accountant.

Taxes are incredibly complicated. While you can do your taxes on your own, it’s a good idea to consult with a professional. That way they can give you a good idea of what to expect, as well as correct any errors. Plus, they may even be privy to additional business deductions that can help your business.

Get ready to file your business taxes with these small business tips. As you sort through your tax documents, don’t forget to review your business insurance policies. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Make the Safety of Your Passengers a Priority with These Car Safety Tips

Use these safety tips to keep your passengers safe on the road.

Driving is a dangerous business. With tons of metal traveling at high speeds, even the smallest of accidents can cause major damage. Not only is it a danger to you, but it’s also a danger to your passengers. It’s important to practice good vehicular safety to keep everyone secure. Check out what you need to know about how to keep your passengers safer on the road with these tips.

Check the Safety Features.

When it comes to your car, it’s important that you have the right safety features. When buying a new car, check the safety ratings and look for the most up-to-date features. That way, you can rest assured that you have the right technology to keep everyone in your car as safe as can be.

Drive Defensively.

It’s important to drive safely at all times. However, it’s especially important when you have passengers in the car. The safer you drive, the safer your passengers will be.

Buckle Up.

An object in motion stays in motion unless acted upon by another force. When you’re in a car that suddenly comes to a stop, you’re still moving. A seat belt helps to keep you in place so that you stay put during an accident, keeping you safer. Ensure that your passengers buckle up before you start driving, and ensure that you have the right tools for kids and pets. Invest in the right car seats and pet seat belts to keep your passengers safe.

When it comes to keeping your passengers safe on the road, ensure that you take the necessary precautions and that you have the right auto insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Conduct a Business Risk Assessment to Keep Your Business Secure

Learn how to conduct a business risk assessment.

When it comes to your business, it’s important that you keep it as safe as can be. However, your business is constantly at risk. Whether it’s a natural disaster, legal battle, or cyber issue, your business is constantly threatened. Take care to protect your business by conducting a risk assessment. Check out what you need to know about how to evaluate your risks.

Technological Threats.

When conducting a business risk assessment, it’s important to consider a variety of threats, including those caused by technology. For example, if there were to be a power outage or if something happened to your company’s servers, would your business be able to withstand the impact? Think about the technological threats so that you have the proper coverage and so that you can implement the necessary policy to accommodate such a business interruption.

Natural Disasters.

Mother Nature can be relentless. From severe storms to floods to earthquakes, there are many ways in which a natural disaster can bring your business operations to a halt. Be prepared for such occurrences and design reactionary policy when conducting your business risk assessment plan. Keep in mind the safety of your employees and customers as well as the geographical influences in the area.

Industry Threats.

Sometimes issues arise within your industry. Whether it’s due to employee error or manufacturing issues, it’s important to know how to handle issues that arise. When conducting your risk assessment, ensure that you take any product and services related issues into consideration. That way you can prepare for whatever comes your way.

Know your weaknesses by conducting a business risk assessment. Get the commercial insurance coverage that you need to protect your business. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Find the Right Home Insurance for Your New Home with This Checklist

Use this home insurance checklist for new homeowners for the right coverage!

Congratulations, you’ve decided to buy a home! Homeownership is exciting, but it comes with lots of responsibility. As a new homeowner, ensure that you’re ready to move in. Invest in the right homeowner insurance so that you can rest easy knowing that you’re well protected. But, before you choose a policy, use this home insurance checklist so that you get the best coverage possible. Here’s what you need to know.

Consider Neighborhood Threats.

Your home insurance gives you coverage to protect your home from disaster. However, it’s important to consider the threats common in your area so that you tailor your coverage. Evaluate the crime rates in the neighborhood, so that you can increase your coverage limits for personal property in the event of a home burglary. Additionally, determine which natural disasters threaten your home. Compare your list of disasters with the covered perils on your home insurance policy. Add any supplements as needed. That way you ensure that you have the coverage that you need.

Talk with Your Independent Insurance Agent.

Your insurance agent is an expert. They can help guide you through the process so that you have the right coverage for your needs. Plus, an independent insurance agent can help you find the best coverage at the best price, since they have an unbiased opinion and have access to various carriers. Consult with an agent so that you get the coverage you need.

When it comes to choosing the right homeowners insurance, check out what you need to know with this home insurance checklist. That way you know that you’re well protected. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Keep Your Commercial Property Secure This Winter with These Tips to Prevent Slips & Falls

Reduce the risk for slips and falls on your commercial property this winter.

Winter brings plenty of wet weather. From rain to snow, it’s important to be wary of hazardous winter weather, especially when it comes to your commercial property. Slippery surfaces pose a potential liability that could be detrimental to your business. Protect your business with the right commercial insurance, and take care to prevent slips and falls this season with these tips.

Monitor the Weather.

Weather is often unpredictable. One minute it can be 65 and sunny, the next it can be stormy. The best way to be prepared for weather danger is to keep an eye on the weather. Monitor the weather conditions and have the necessary tools to handle a slippery situation on hand. That way you can take action on a moment’s notice.

Devise a Plan of Action.

It’s important to be prepared and have a plan of action. Creating a procedure to reduce fall risks helps make putting it into action all the easier. Write out the policy so that your employees know what to do when nasty winter weather strikes. Consider high-traffic areas like entrances and walkways and think about different types of weather from rain to icy conditions. Ensure that water drains properly away from the building, walkways are ice-free and have plenty of traction to reduce slips, and that warnings of slippery surfaces are posted in the area. Take care to ensure that your property is prepared for winter weather.

When it comes to reducing your risk for liability this season, ensure that you take the necessary precautions to prevent slips and falls on your commercial property. Protect your business with the right commercial insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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New Year Resolution Ideas to Help You Start Off the New Year

Check out these New Year resolution ideas!

The New Year is here, and it’s time to start thinking about your resolutions. The New Year is the perfect time to reflect on the past year and look toward a year full of opportunity. Check out these New Year resolution ideas to help you make 2017 your best year yet.

Take a Class.

Whether you want to learn a new language or discover more about the political structure of ancient Egypt, lifelong learning is a great way to keep your mind sharp. Make a resolution to keep learning. Enroll in a class at your local college, take an online course, or even download a smartphone app. There are lots of ways to keep learning in the New Year.

Spend Time with Friends & Family.

You have a busy schedule. Between all your obligations, it can be hard to find time to spend with the people you care about most. Make a resolution to make more time for your friends and family. Studies show that people that spend time with their loved ones tend to be happier individuals.

Sleep More.

The average adult needs about eight hours of sleep. However, many of us aren’t getting the sleep we need. Try to get more sleep in the New Year. Establish a routine where you power down your electronic devices at least an hour before bed. That way you can start to get the rest you need so that you have more energy to tackle all that the New Year brings.

Use these New Year resolution ideas to help get 2017 off to a great start! Make this year worry free with the right insurance coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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