Blog

4th of July Safety Tips

Check out these Fourth of July safety tips!

Happy Independence Day! From backyard barbecues to patriotic fireworks, the Fourth of July is filled with summertime fun and celebration. However, it’s important to have fun safely. Check out these Fourth of July safety tips to ensure your celebration goes off without a hitch.

Barbecue Safety.

  • Use the grill outside and keep it away from anything flammable.
  • Keep a watchful eye on the grill. From curious kids to sudden bursts of flames, there’s a lot that could go wrong if not properly attended to. Never leave the barbecue while grilling.
  • Clean the grill regularly. Grease and fat drippings can build up on the grill and increase your risk for a fire.

Pool Safety.

  • Establish the rules of the pool. No running, no diving, no roughhousing, and no swimming alone.
  • Always keep watch around the pool and keep a flotation device nearby at all times.
  • Kids are curious, and drains are dangerous. Keep kids away from any drains or pipes to avoid any accidents.

Firework Safety.

  • Only use fireworks outside and with an adult present. Only ever light one firework at a time, and keep your distance.
  • After using fireworks, dispose of them properly. Wait for the firework to cool and then soak it in water before disposing of it in the trash.
  • Check to see if fireworks are legal where you live. Additionally, dry conditions can increase the risk of starting a fire. Check to see the fire danger in your area before using fireworks.
  • Be mindful of your pets. The loud noise can be scary for unsuspecting cats and dogs. Startled animals may run away from home. Keep your animals safe and secure to prevent any accidents.

Avoid any mishaps with these Fourth of July safety tips. Protect your home, talk to the professional team at Kosich Insurance to determine your homeowners insurance policy today.

Top

Safety Behind the Wheel: Tips for Your Summer Drive

Stay safe on summer roads with these tips.

Whether it’s the daily work commute, the school run, or a summer road trip, driving in the hottest season has its challenges. As well as sun glare, you’ve got high temperatures to contend with, which can make your car behave differently. In addition, roads are busier, especially en route to airports and around tourist destinations. Before you head off, review these tips for your summer drive.

Plan your journey. If you have a road trip planned, map it out beforehand. You may not stick to it, but at least you’ll have a route mapped out if you get lost or want to avoid traffic.

Check your car’s fluids. During the summer, we all need water to stay active and prevent dehydration. Your car isn’t any different. Fluid levels help to keep your car running smoothly, so ensure that you top up the engine oil, windscreen washer fluid, engine coolant, and fuel.

Top up the tires. High temperatures and under-inflation exacerbate existing damage and weak spots, increasing the risk of punctures. Before setting off, check tire condition and pressures on a vehicle, as well as anything you may be towing.

Avoid the glare. You may love basking in the sun, but sunlight is not ideal when it bounces off your windscreen, making the road hard to see. Keep the glass clean, repair scratches and chips, and wear non-light-reactive sunglasses while behind the wheel.

Pack a kit. Whether it’s a long journey or not, you should always have an emergency kit in the trunk of your car. This should consist of a breakdown triangle, water, first-aid kit, map, flashlights, and other essentials.

Drive extra diligently. With schools about to break up for summer, it’s important to keep an eye on certain areas. Drive carefully through neighborhoods where kids may be playing in the middle of the day.

Now that you know how to make the most of your summer drive, be sure that you secure the right auto insurance for your needs. At Kosich Insurance, we’re dedicated to giving each driver the coverage they can count on. Contact us to get started.

Top

Homeowner Safety While on Vacation

Heading out on vacation? Be sure to protect your home!

Where is this summer taking you? Whether it’s tropical, action-packed, or relaxing, many people go on vacations over the summer months. With time off work and school, it makes it ideal for families, couples, and individuals alike. While you’re packing to head out on vacation, ensure that you’ve taken the necessary steps to protect your home.

Ask a friend. Ask a relative, friend, or trusted neighbor to visit your home a couple of times a week. He or she can water the plants and check that the home is safe and sound.

Limit social media messages. It’s possible for anyone to see your social media profile and messages. Posting about an upcoming vacation may get you in the mood for fun, but it makes it easy for thieves to know when your home will be vacant. Instead, post pictures about your trip when you’re back home.

Remove the key. Now is the time to remove the spare front door key that’s hiding underneath the welcome mat. Thieves will take advantage of scoping out places to hide keys, so be sure that you don’t fall victim!

Unplug and shut off. Before you leave, unplug minor appliances (TV, chargers, some lights), and turn off the water valve. This way, the risk of your home suffering from damage decreases.

Make it looked lived-in. You don’t want people to know you’re away while you’re away. Combat this by setting lights on a timer to switch on during the nighttime, and consider lowering or turning off your telephone ringer. While you’re at it, cancel newspaper deliveries.

Pack discretely. Take care when loading up the car with luggage. You don’t want to attract any unnecessary attention to indicate that you’re leaving down. Don’t leave the trunk open while you bring out suitcases. Instead, try to pack up your supplies while your car is in the garage, if possible.

Before you head out on vacation, take a moment to review your homeowners insurance. You’ll want to ensure that your coverage is suitable for your needs while you are away from your home. Fortunately, it takes a simple phone call to secure the right coverage. Talk to the professional team at Kosich Insurance to determine your homeowners insurance policy today.

Top

Merging Your Finances After Marriage? Find Out What You Need to Know

Learn about how to best merge your finances when getting married with these tips.

Getting married is an exciting time in your life. As you embark on this journey with your partner, it’s important that you have the tools that you need to build a solid foundation, starting with your finances. When you get married, it’s important to think about money. Find out how to merge your finances with these tips.

Understanding Different Backgrounds

When merging your finances, it’s important that you discuss where each partner is coming from financially. Discuss your debts and your assets so that you’re best able to understand your financial situation as a couple. That way you’re able to determine how to plan for your future.

Create a Budget

Different people have different money habits. When you get married, you’re no longer responsible for just yourself. Your financial decisions now have an impact on another person. One of you may be a big spender while the other may be a bit more frugal. It’s important that you’re both on the same page when it comes to your finances. Create a budget together so that you can better manage your money as a couple.

Talk About Money Often

Money is often something used on a daily basis, and over time, your financial situation may change. Check in with one another regularly to see how your money habits are working. That way you foster open communication and you’re better able to stay on the same page when it comes to money, making merging your finances a lot easier.

When it comes to marriage and your finances, it’s important that you’re well-prepared. Use these tips to help you merge your finances. When getting married, it’s also important to think about your insurance coverage. Invest in the right policies to protect your family. 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.

Top

Get the Insurance Coverage That You Need with These Homeowners Insurance Review Tips

Protect your home with the right homeowners insurance coverage.

When it comes to your home, it’s important that you invest in the right homeowners insurance coverage. Life is unpredictable and sometimes accidents happen. From damage due to natural disasters to property loss during a home burglary, your coverage gives you the protection that you need to keep your home secure, inside and out. Sometimes, however, you outgrow your coverage. It’s important to review your insurance policies so that you can adjust your coverage to meet your needs. When it comes to your homeowners insurance, check out what you need to know about reviewing your policy.

Review Any Home Updates

It’s important that you have enough home insurance coverage to rebuild your home from the ground up. That way you can avoid any costly coverage gaps. If you’ve made any changes to your home since you last reviewed your coverage, consider adjusting your homeowners insurance coverage so that you have enough to rebuild your home.

Update Your Home Inventory

Your home insurance gives you coverage for personal possessions. However, depending on how many valuable items you have, you may want to invest in valuable item protection. That way your most prized possessions are insured. Conduct a home inventory so that you know what you need protected.

Evaluate Supplemental Coverage Needs

While your homeowners insurance provides you with comprehensive coverage, it doesn’t protect your property from everything. Evaluate your risks that aren’t covered under your current policy, and invest in supplemental policy endorsements. From flood coverage to home business protection, consult with your independent insurance agent for assistance with your insurance coverage. That way you can rest easy knowing that you’re protected.

When it comes to your homeowners insurance, ensure that you’re getting the coverage that you need. Review your policies annually so that you can rest easy knowing 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, Lafayette, Ukiah, and throughout California.

Top

Check Out These Mental Wellness Tips to Help You Find Balance During Mental Health Month

Learn how to improve your mental health for Mental Health Month.

Good health is a necessity when it comes to living a long, fulfilling life. Often when it comes to getting healthy, you think of ways to be physically fit, however, there’s more to good health than physical health. Mental health is an important part of your overall well-being. Things like stress can take a toll on your mental health. May is Mental Health Month. Help to take control of your mental well-being with these tips.

Manage Stress

When it comes to keeping your mental health under control, it’s important that you keep stress in check. Too much stress can lead to serious health issues such as anxiety and depression. From meditation to yoga to mindfulness, find ways to help you manage your stress.

Be Kind to Yourself

Too much criticism will have negative effects on your mental health. Ensure that you make your mental health a priority when you give yourself a little leeway. Be kind to yourself and quiet any negative thoughts. When you have a more positive outlook on life and a more positive self-image, you’re better able to improve your mental well-being.

Mix Up Your Routine

When you’re stuck with the same routine day after day, you get a little bored. Help to keep your mind engaged by mixing up your routine. From trying a new fitness class to taking a trip to eating at a new restaurant, there are lots of ways to add a little excitement to your life. In turn, you’ll help to better your mental health.

Find out what you need to know about finding balance and keeping your mental health in check. Give yourself the gift of peace of mind 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, Lafayette, Ukiah, and throughout California.

Top

Find Out What You Need to Know About Life Insurance with These Facts

Determine what you need to know about life insurance so you can protect your family.

Keeping your family safe is a top priority. Ensure that they’re well protected, even when you’re not around, with the right life insurance policy. However, with so many policy options, choosing the right coverage for your family can be difficult. Learn about the life insurance basics with these facts. Here’s what you need to know.

About Life Insurance Coverage.

Life insurance is an insurance policy that gives your family financial benefits in the event of your passing. Under the insurance agreement, you pay a monthly premium, and in exchange, your family gets the coverage that they need. It’s important for your family’s planning so that they have the right financial resources to get back on their feet.

Types of Life Insurance.

There are various types of life insurance. However, there are two main categories. Term life insurance is a policy that offers great benefits at an affordable price. However, there’s a set time limit how long your coverage lasts. Whole life insurance offers benefits for life, and they build cash value, but these types of benefits tend to be more expensive.

Determining Coverage Limits.

Once you decide on the type of policy that you want, you must determine your coverage limits. The amount of coverage that your family needs depends on what they plan to use it for. To cover funeral costs, you don’t need as much coverage as you do to replace an income. Calculate the funds that you would need, and adjust your policy limits accordingly.

When it comes to keeping your family secure, it’s important to invest in the right life insurance policy. 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.

Top

Find Out How Using an Independent Insurance Agent Can Benefit You and Your Wallet

Learn how your independent insurance agent can help you get the right insurance coverage.

When it comes to your insurance, it’s important that you choose the right coverage at the right price. However, fending for yourself when it comes to searching for the right policies can be difficult. Help to make the process as easy as can be with help from an independent insurance agent. Find out how an independent agent can assist you in finding the perfect policies for your needs.

Compare and Contrast.

When buying any insurance policy, it’s important that you shop around so that you know what’s out there and so you’re best able to find the right policies. However, searching through so many policies is time-consuming and confusing. Make the process as easy as can be when comparing policies from different carriers with help from an independent insurance agent. They’re independent, and therefore can give you unbiased options so that you can make the best choice for your needs.

Straightforward Answers.

Insurance is a complex investment. Deciphering what coverage you need from excess coverage is difficult. Get unbiased answers to all your insurance questions when your consult with an independent insurance agent. Plus, they can help you customize your policies so that you’re getting the best protection for your needs.

Claim Assistance.

Often when you buy insurance, your provider is less than helpful when it comes time to file a claim. However, with an independent insurance agent, you get the assistance that you need after a disaster so that you can get your life back in order as soon as possible.

When it comes to your insurance, it’s important that you have the resources that you need to get the right coverage. Consult with your independent insurance agent to get the best 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, Lafayette, Ukiah, and throughout California.

Top

Find Out About the History of Easter Eggs and The Best Tips to Decorate Them

Learn all about Easter eggs to help you celebrate the holiday.

Spring is here, and it’s time for Easter. With traditions centered around bunnies and eggs, there’s lots to celebrate when it comes to Easter. Get into the spirit of the holiday by learning about and designing Easter eggs. Here’s what you need to know.

History of Easter Eggs.

Eggs represent the coming of spring and new life in many cultures. In fact, the modern tradition likely has roots in former pagan traditions. However, the Easter egg has come to be a staple in the Easter holiday. There’s even an Easter egg hunt and egg roll on the White House lawn! From decorating eggs to egg rolls, these eggs have become part of the holiday fun and the welcoming of spring. Participate in the holiday fun, and decorate eggs with your loved ones.

Egg Decorating Ideas.

  • Decals. Make egg decorating as simple as possible by applying decals on the eggs. Dress them up for an elegant centerpiece or use stickers so that your kids have fun decorating.
  • Animal Easter Eggs. Jazz up your Easter egg designs by decorating your eggs to look like farm animals. From chicks to cows to lady bugs, get creative and decorate with your kids.
  • Speckled Eggs. Give your Easter eggs a spotted look. Take food coloring along with dry beans or uncooked rice and mix together in a cup. Next, add the hard boiled egg and shake gently.

Ensure that you’re ready for Easter with Easter egg fun. But, don’t keep all your eggs in one basket, ensure that you’re well protected with the right 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.

Top

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.

Top
1 2 3 30 Page 1 of 30