Category Archives: Homeowners Insurance

winter preparation

Winter Preparation: How to Prepare your Home for Winter

Preparation is the key to having a wonderful winter and lessening your chances of expensive damage to your home. Preparing  for the upcoming months may seem troubling. If you feel overwhelmed at the thought of preparing your home for winter, here are a few tips on how and what to look for, to simplify the winterization process. 

Plumbing problems

Frozen and burst pipes are one of the main dangers of a cold winter and can cost up to $5,000 to repair and fix the damage. To prevent plumbing problems, you need to drain all outdoor faucets (like garden hoses and in-ground sprinklers) and insulate any exposed pipes. If you plan to go on vacation, don’t forget that you need to leave the heat on to keep your pipes from freezing. You should also let your faucets drip during a cold snap as an additional safeguard against freezing.

Drafts

A cold winter draft isn’t just uncomfortable, it raises your heating bill and can even cause frozen pipes. Check weather stripping around windows, doors and vents to see what might need to be replaced. If you see any holes or gaps around the outside of your house, you can fill them in with caulk.

Heating system

Get your furnace thoroughly checked by an HVAC professional who will change your filter. If you have a fireplace, have your chimney inspected and cleaned before you start using it for cozy winter nights. You don’t want to wait for a cold night before you make sure you have a way to stay warm.

Roof and gutters

Gutters clogged with fall leaves can quickly freeze up and fail to drain off melted snow and ice. It is important to make sure that your gutters are clean before the chance of snow and ice so that all moisture drains away from your home and doesn’t pool near your foundation. While you are at it, have a professional check your roof for ice dams. Ice dams are areas on your roof where heat from your home melts ice unevenly. These areas won’t allow snow and ice to drain off properly, which can weaken your roof.

Our team wishes you a safe and joyous winter season.  On that note, please remember if you have any questions regarding your Home Owners Insurance Policy as winter moves in, do not hesitate to reach out to the Northeast – Metro West Insurance Team.

fall home maintenance checklist

Fall Home Maintenance Checklist

Fall is such a wonderful time of the  year. A welcome reprieve from the heat of summer, fall is a good time to prepare for the cold winter ahead. A fall home maintenance checklist is essential if you want to be prepared for winter and avoid costly and unexpected accidents or breakdowns in your home. What’s on your checklist? There are the obvious things like making sure your furnace runs or insulating outdoor spigots, but what about less obvious things like your humidifier or gutters? Check out this handy fall home maintenance checklist to keep your home in order:

Furnace

Schedule a professional tune-up of your furnace during the fall to address any issues that may have developed over the summer. Some common issues that homeowners face are noisy belts and inconsistencies in heating. These could be signs of more serious issues that a professional HVAC company can diagnose and fix. Also, don’t forget to change your air filters. Dirty filters will put more strain on your furnace plus circulate dust into your home causing allergies and sickness.

Gutters

Snow and ice will really do a number on gutters, especially if they are still full of summer and fall leaves. Overflowing gutters can cause damage to your home’s foundation by dumping water too close to the house. Take advantage of the cool, but not too cold, fall weather to check over your gutters. Make sure they are cleaned from all debris and are rust-free. Install mesh guards to keep any lingering leaves from building up again.

Freezing water

Freezing water can burst pipes and deepen cracks in your driveway. Take a two-fold approach against freezing water: first, insulate outdoor spigots using styrofoam caps that you can buy at any home store. Drain the lines leading to the outdoor spigots first to prevent any pipes bursting. Secondly, take a walk and look for any small cracks in your driveways and paths. Repair small cracks before they get bigger and pose a trip and fall threat to you and your guests.           

Humidifier

Dry air during the winter makes hardwood floors and furniture more susceptible to cracking. Give your humidifier a thorough check out before cold temperatures arrive. Keeping your humidity at an appropriate level (between 40 and 50 percent) will keep you healthier during the winter months as well. Your humidifier will make your home feel more comfortable and even help you to spend less money on heating.

If you have any questions about your homes insurance policy, please reach out to the Northeast – Metro West Team by clicking here.

fireplace safety

Top Fireplace Safety Tips

There are so many things to enjoy as the weather gets cooler and the leaves start falling. One of those simple pleasures is using your fireplace on a cold night. Something you might not think about, however, is fireplace safety. Any other time of the year, it might blend into the walls in your house, so it’s easy to forget. The truth is, misuse and neglect can lead to dangerous consequences. So before you get cozy, make sure to follow our tips for being safe this fall and winter.

Check the Chimney

Anything that is constantly, or even seasonally, in use needs a cleaning. Your chimney is no different. A buildup of highly flammable material will occur if you don’t take care of it. As old-fashioned as it sounds, chimney sweeps still exist, and you should definitely hire one to clean it. Once a year should be sufficient.

How old is your chimney? Check out its walls to make sure no loose pieces are coming apart from the foundation. Any blockage and structural issues require attention, sometimes from professionals.

When lighting a fire, open the flue so smoke can properly move out of the chimney. This keeps smoke and ash from redirecting into the house, especially during windy weather. Having the flue closed at all other times prevents animals or other debris from getting inside.

Inspect the Firewood You Use

The type of wood used is vital for fireplace safety. Dry wood, specially seasoned, is the best to burn. Seasoned wood is dried or aged over a period of time. The opposite of that is green wood, wood that was recently cut. Greenwood and wet wood will produce more residue and smoke. Burn the wood in smaller pieces if you want a faster burn. Of course, once the fire is out, clean any ash and wood left behind.

Be Responsible

When you want to be completely sure, use common sense to confirm all precautions are taken. Think about possible scenarios and ask yourself some questions to see if you are prepared. Are the batteries in your smoke alarm and carbon monoxide detectors new or working? Is someone constantly tending to or watching the fireplace? Is there any decor or items near the fireplace that are flammable or at risk of damage? Are you using a protective screen? Do you have a fire extinguisher? When you are alert and responsible, fireplace safety will be easy.

If you have any questions about your Homeowners or Rental Insurance Policy be sure to give us a call.

Northeast – Metro West Insurance Agency
(800) 443 7007

insurance for millennials

3 Tips for Insurance for Millennials

Millennials can’t seem to get a fair shake these days. It seems like everyone wants to blame them for one thing or another. In reality, though, millennials are just like any other generation out there: working, paying bills and trying to find insurance. But finding just the right insurance can be difficult, if you don’t know what you’re looking for. How can you find the right insurance for millennials? Here are some tips to help you sort it all out:

1) Audit All The Items You Need Insurance For

Insurance carriers may offer discounts for when you are insuring multiple items. By knowing all your insurance needs your agent can review which carriers are going to offer you the best insurance options to match your needs. In addition, this will help with your monthly bill paying tasks. It is much more convenient to review statements from one carrier if possible. 

2) Talk With Your Agent About Possible Discounts

At Metro-West Northeast Insurance Agency are agents are always a phone call away. This allows you to review potential savings. For example some carriers offer discounts for items like Security Systems, AAA Memberships, and Auto Payment Options. Keeping your agent in the loop helps them understand your needs and provide the best over all value.

3) Understand What Your Deductibles Are

When you are speaking with your agent discuss with him rates vs deductibles. An agent can better asses your insurance needs if he understands what you are prepared for should a claim need to be filed. Then after you have reviewed this with your agent place some funds into a separate account to have on hand in case a file is claimed. Depending on your personal preferences you may rather have a smaller monthly insurance rate that has a larger deductible because you are prepared for the deductible if need be. On the other hand, you may rather pay a few dollars more monthly and have a smaller deductible.

Your relationship with your agent is really the key to having the best insurance that suits your needs. Metro-West Northeast Insurance Agents take pride in understanding their clients needs. If by chance you feel your current agent is not up to speed on your current needs give them a call.

If you are not insured with an agent from Metro-West Northeast Insurance Agency please reach out and our team will provide a free assessment. 

dealing with identity theft

9 Tips For Dealing With Identity Theft

Identity theft is the term for what happens when a third party obtains your personal data and information that allows them to pose as you online. Typically, identity thieves apply for lines of credit or access your financial accounts and other sensitive information to steal as much of your money or open as many lines of credit as they can and leave you on the hook for their fraudulent activity.

Your personal data can be compromised if a financial institution is breached by hackers seeking to obtain usable identity information, and by the time breaches are discovered it may already be too late to save your credit. The good news is there are steps you can take to prevent yourself from being victimized by identity thieves. Here are 9 quick tips to protect yourself from identity theft.

1. Beware Shoulder Surfers in Public Places

At the ATM, on your phone, or even at your computer, people are on the lookout to steal personal information like passwords or PIN numbers by watching you enter them on a keypad or mobile device. Use biometric (fingerprint, facial recognition) security on your smartphone or mobile device to authorize apps that access your personal or financial data. Identity thieves often start looking for vulnerable or inattentive people in public places when choosing likely targets, so protect your information and keep your screen and keypad private.

2. Require Photo ID Verification

Don’t sign your credit cards. Write “CID” or “Ask for ID” on the signature line. It’s a small measure, but it can make all the difference in identity theft prevention if you don’t know your credit card has been stolen and someone is attempting to use it.

3. Wipe Out Old Data Storage

Selling or trading your old laptop, smartphone, or tablet? Wipe your data storage clean with an app like ShredXP to ensure that all sectors on the drive are set to 1 or 0, rendering any personal data whatsoever illegible. Identity thieves will often connect old hard drives taken from used computers to search for recoverable personal or financial information that has not been “digitally shredded”. 

Additionally, if you keep financial data on physical media like CDs, DVDs or magnetic tape backups, make sure you destroy them completely. There are specialized shredders that are designed to destroy optical storage media like CDs and DVDs as well.

4. Monitor Bank and Credit Card Statements Regularly

Check those charges and debits on your accounts. Someone may have access to your account and you may never know it until the charges start showing up. You have a limited time to dispute charges as fraudulent, so checking monthly is vital to preventing identity theft and maintaining your credit.

5. Shred Everything

Put anything with financial data on it in a crosscut paper shredder and don’t bag it up separately from regular trash. More identity thieves than you’d think go “dumpster diving” to find critical financial and personal information.

6. Encrypt Your Email and Messaging

Using end to end encryption ensures all messages you send or receive via email are invisible to any third party, up to and including government agency efforts to read your email and messaging. Hackers can’t access the contents of your email unless they somehow manage to get ahold of your private encryption key. It is an extremely effective means of preventing identity theft, and it takes minutes to configure.

7. Check Your Credit Annually

Everyone gets a free credit report once a year from the Big Three credit reporting agencies (Equifax, Experian, and Transunion). Go over your credit report and verify that what’s on the report matches your records and accounts. If some unknown lines of credit or creditors show up, you may already be a victim of identity theft.

8. Always Use 2-Factor Authentication

This is a critical security measure to prevent identity theft via financial and social media sites and apps. 2-factor authentication sends a text or email to an account or number you have entered on the site every time you login from an unfamiliar location, device, or computer. If you are actually logging in, you can approve that login from your device. If not, you are now aware that your account is under attack and can shut that attacker out.

9. Keep Your Social Security Number Secure

As the defacto national ID number for millions of Americans, access to this number should be protected at all costs. Do not carry your Social Security card on your person, but keep it in a safe place where it isn’t susceptible to damage or decay. Any identity thief with your full name, home address, and even the last 4 digits of your SSN can assume your identity online and wreak havoc on your financial life.

Never use your SSN as part of a username or password either, and never give the full number via telephone or in reply to an email. If you must enter your social security number online (for example, when filing taxes or applying for financing), check to make sure the connection and site are secure by the lock symbol in the browser bar and “https://” at the beginning of the web address.

In summary, do what you can to protect yourself from identity theft, and be smart about how you protect and preserve your personal data. Use these tips to keep yourself from becoming “low-hanging fruit” for identity thieves, and remember to always protect your personal data when online and in the real world.

Have you been affected by Identity Fraud? How did you handle it? Comment below, we would love to hear your thoughts and any tips that helped you get through what can be a stressful time.

Space Heater Safety

Space Heater Safety: 7 Tips To Keep Your Home Safe

During colder months utility bills can be tough to handle, so many people have started turning to space heaters to cut down on energy costs. Space heaters save money by, allowing people to only heat the room or space they occupy rather than having a central heating system that expends energy to fill an entire structure.

Other reasons for using space heaters are for areas that aren’t served well by other heating systems, temporary heating when it will only be necessary for a short time, or targeted use for an individual that isn’t comfortable, while others in the room are.

With so many people using space heaters for so many different reasons it’s important to know they need to be used safely. Space heaters carry risks that aren’t associated with other heating systems, and with over 43 percent of home heating fires caused by space heaters every year, following these recommended tips for use is critical.

  1. Place space heaters on hard, flat, non-flammable surfaces. They are designed to be placed on floors, and because of how hot they get, they should never be placed on something that can catch fire.
  2. Turn the heater off when it is being left unattended. While it may be nice to come back to the room and have it nice and toasty, leaving a space heater on without someone being alert in case of malfunction means you could return to a devastating fire.
  3. Spaces that hold flammable chemicals, such as garages or shops, are off-limits to space heaters. The types of fumes that come from combustible materials can fill areas where they are stored and may be ignited by space heaters.
  4. Always plug directly into the wall outlet, and unplug when not in use. Extension cords, surge protectors, and other outlet expansion products are not built to handle the electrical load of a space heater. Many electrical fires occur when people fail to plug space heaters directly into the wall.
  5. Establish a three-foot safe zone around the heater. By keeping the heater at least three feet from fabrics, curtains and other flammable items will help ensure they don’t catch fire. Also be sure that small children and pets aren’t able to get within that three-foot zone as they can be injured or cause the heater to malfunction by tipping it.
  6. Plug only the heater into the outlet, having a second device or cord plugged into the other port in the outlet can cause too much of an energy load on the outlet, which can cause the outlet to overheat.
  7. Keep working smoke and heat detectors operational throughout the home or office to alert anyone of possible danger.

When using space heaters, safety first. To stay up to date and learn more tips, area happenings and more stop by our Facebook page and follow us.

27555527 - time for review

Is it Time To Review Your Insurance Coverage?

We’ve all heard the stories of loss after natural disasters or catastrophic events, such as fires or burglaries. Homeowners and renters insurance policies will cover your home and valuables in a lot of instances but there are some very important exclusions. Getting to know your policy, what is covered and what is not, can save a lot of trouble down the line. It also affords you the opportunity to acquire additional coverage to make sure you can replace all those items that reside in your home with you.

What May Not Be Covered?

Aside from the normal exclusions for war or natural disasters, there are usually exclusions or minimal coverages (sublimits) provided for expensive or specialty property you might own. Some of these items might include, but are not limited to:

  • Firearms
  • Art
  • Furs
  • Watches and Jewelry
  • Silverware
  • Precious metals and coins
  • Specialty electronic equipment
  • Memorabilia (sports, historical collections, etc)

For example, sublimits for jewelry are typically $1,500 or up to $10,000 if you have a high-value homeowners policy. If you have expensive watches and jewelry, it won’t take long to exceed those values. Thankfully additional coverage and endorsements are available to cover these types of items. But how much should you ensure them for? What is their real value and how do you document it for the insurance company to make sure it is adequately covered and replaced?

Documentation and Appraisal

The first thing you need to do is keep your receipts and records for valuable items. Collectors tend to keep accurate records of memorabilia and its value, but do you have an idea of the current value of your other valuables? You can collect this information and keep it safe with a summary list. Most insurers don’t require appraisals unless, for instance, a single item of jewelry is over $50,000 in value or a piece of art is over $250,000. In any case, if you do have an appraisal having these records will give the appraiser a good place to start.

 

When you do have high-value items or if you lack records to support the value, due to gift or inheritance, it is a good idea to have the items appraised. The valuation from the appraisal will allow you to set a value, acquire appropriate insurance coverages and provide you with an itemized third-party inventory of what you have. Alternately, you can get blanket coverage for your valuable items. This type of coverage generally increases the sublimits on items and is a good way to insure numerous small items.

There is an additional cost to having appraisals and buying additional coverage, of course. The key is to find out the appropriate value so you get the most appropriate coverage for the lowest price. Acquiring your property and collections takes your time, money, and resources. Your insurance policy should be crafted to make sure your investments are protected.

Do you have a question about your appraisal? Feel free to call one of our team members at  (800) 443-7007.

Preparing your property for a hurricane

Getting Your Property Ready for a Hurricane

There are many measures you can take that can help your home fare better in various hurricane conditions. But, as we learned from Hurricane Irma, it is important to take timely actions for hurricane preparedness in and around your home. Roofs, doors, windows, and garage doors, and multiple other points around your home are the most vulnerable to breaches by hurricane winds, water surges, and flooding. And, there are likely to be various conditions existing in and around your home that increase your home’s risk of hurricane damage. Here are some tips for getting your home ready for a hurricane.

  1. Secure your windows.

Experts suggest that merely taping across windows is a futile effort that may give homeowners a false sense of security during a hurricane. The National Hurricane Center (NHC) advises providing more realistic protection for your home, its contents, and especially for occupants, by securing your all windows with properly hinged storm shutters.

Purchase commercial quality shutters at your local home improvement store, or have a professional contractor install storm quality shutters on your home. Ideally, this should be completed before a hurricane is moving toward your area.

The alternative emergency measure of recessing plywood sheets into window cavities is recommended to help protect against an approaching hurricane. This approach is known to work better than just nailing boards across the windows. See The National Hurricane Center website for detailed instructions for installing temporary recessed plywood shutters.

Although shatter-resistant glass or window films may be helpful, according to the NHC, these are not comparable to shutters in the degrees of protection they provide. Hurricane experts agree with typical building codes, which do not accept window film as adequate window treatment for protection of homes against hurricane.

  1. Secure your doors.

Adding commercial storm doors is recommended, especially over any door consisting mostly of large panels of glass, such as French doors or sliding glass patio doors, per the NHC. For all home doors, experts suggest additionally installing barrel bolt latches with bolts extending into the door header and into the floor.

  1. Secure your garage doors.

Garage doors that are not hurricane rated should be shuttered with storm quality shutters. Or, as an emergency preparation, cover the expansive door with recessed plywood and add exterior bracing to better secure the door. Obtain advice from your local home improvement store representative about commercial retrofit hurricane protection systems for your garage door.

Explore alternatives such as commercial or home-made braces that can help protect the door against buckling in. However, neither braces nor retrofit storm kits can protect against impact by projectiles. Consider installing metal or wooden girds, and other precautions you can take to make your garage door more secure during a hurricane.

  1. Protect against water entry in small openings.

Install sealed plates or utility inlet shutters at all necessary points throughout your home and around its exterior. This includes any insufficiently sealed areas around vents or HVAC ductwork, plumbing pipe and electrical conduit entry points into your home. Secure roof ridge, gable, and soffit vents.

  1. Clean up all potential projectiles from your yard.

Trim tree branches, and remove dead or damaged trees, to prevent them from uprooting and becoming  projectiles in hurricane winds. Remove all lawn furniture, dog houses, yard decor, potted plants, trash cans, recycling bins, and toys, if possible. Disassemble barbecue and fire pits, swing sets, and trampolines and temporarily store these in the garage.

  1. Fortify your roof.

Repair any roof defects that render your roof more susceptible and further fortify the roof, if possible. Consider hurricane straps, if appropriate for your roof. Use duct tape to seal gaps, where appropriate. Especially if your roof is aged, consult with your local roofing expert about roof replacement with one of the several roof types recommended as most effective in protecting homes against hurricane damage, and consider replacing your roof with one of these types.

  1. Move your car away from your driveway.

Protect your car and your home, by preventing your car from potentially becoming a projectile during the strongest hurricanes. If possible, relocate your car into a more secure location, in your garage, a neighbor’s spare garage space, or even in a parking garage or other area away from the vicinity of your home. (This also may help ensure your car is not destroyed by flood water, protecting your means of transportation after the hurricane.)

  1. Protect your valuables.

Place important documents, including deeds, titles, and other proof of ownership documents, passports, birth certificates, medical insurance certificates and policy documents, and all others in a waterproof container. And, move the container to a higher and safer location in your home.

Make digital and paper copies of all documents as part of your advance preparations, and place those in a waterproof transportable covering to keep in your evacuation bag. And, make a list of valuable items such as family heirlooms and electronics that need to be temporarily waterproofed and moved to higher locations in your home during emergency preparations for impending flood.

  1. Promptly undertake capital improvements as well as maintenance basics .

Invest in home improvements such as installing high-wind-resistant windows, doors, and garage doors, with storm-grade shutters over all of these, along with an ideal roof type, if possible, for optimum hurricane preparedness.

And, performing essential maintenance, like using high-grade caulking around all door seals, window frames, vents, and utility cable and pipe entry points into your home, may help protect against water entry during flooding.

Above all, work in advance to protect your entire home from as much damage as possible, in order to ensure that you experience the least property destruction and the least amount of inconvenience from being forced out of your home during lengthy repairs.

  1. Review your homeowner insurance policy.

Review your homeowner policy to understand which items are covered and which are not.

After you are confident that you are clear on which of your belongings that you can and cannot reasonably expect to insure, prepare accordingly. Move these items to higher levels in your house or to a safe temporary storage elsewhere, if necessary, or take other actions in advance to protect uninsured or underinsured valuables.

We are here to help. We want to make sure you understand and know your policy coverage. Please call with questions to 800) 443-7007.

67941007 - paper renters insurance family with house under an umbrella

Why Should Consider Renters Insurance?

What is renters insurance?

A renter’s insurance policy insures your personal property, provides you with liability coverage, and offers you additional living expenses if you need to live in temporary housing if your apartment or home is damaged or destroyed.

Most of the time, your landlord will only cover the apartment itself that you live in, but it won’t help protect you from any damages done to your personal items inside of it. Sometimes your landlord may require you to purchase it. You may think you do not need renters insurance, but let’s take a look at why you should.

Why should you purchase renters insurance?

It won’t break your bank.

Renters insurance happens to be really affordable option to protect your valuables. If you do a bundle with car and renters insurance combined, you may be able to save even more money.

It protects you and your valuables when you need it.

If someone happens to get hurt in your home and you don’t have renters insurance, they could sue you for damages. With renters insurance, this can help you in any sort of situation that could impact you and your things. If the apartment floods, renters insurance lets you know that your belongings are insured, meaning you can get most everything replaced in case of damages.

The coverage goes with you wherever you go.

Let’s say you go on a vacation and your luggage gets lost. Renters insurance can help with that. Renters insurance covers everything you personally own, so if anything happens to your belongings, whether it’s in your home or in a different country, you still get insured for all you own.

When it comes to having renters insurance, you can never be too safe when it comes to personal property. You are protected wherever you and your belongings go and can help you down the line. Check with your landlord to see if you are covered under any renters insurance by them, but if not, consider applying. You never know what life is going to bring your way.

Our team is happy to assist in helping answer your questions and making sure you are fully covered. Call us at (800) 443-7007 or learn more by clicking here

8 Tips For Keeping Home Energy Costs Down This Summer

Home Energy CostsIt’s that time of year again. The days are long and the summer weather is beautiful. But with all the bright and shiny fun comes the heat, which in turn, creates higher home energy costs to keep cool. The outdoor temperatures are one thing that we are helpless to reduce in the short-term, but there are some steps that everyone can take to lower the amount of energy being used during the summer. Some of the biggest savings around the house come from doing a number of small things.

Here are 8 ways to save big on home energy costs.

1. Windows

Take advantage of the cool New England air at night. Turn off your air conditioners and open the windows to cool off your home. When you wake up in the morning, close the windows and lock them for a tight seal to trap in the cool air. Close your blinds as well, as this will block unneeded sunlight which can significantly warm up a room.

2. Ceiling Fans

Ceiling fans won’t cool your home but they do circulate the air in your home making you feel cooler. This is only useful when you are home, so be sure to turn these fans off when you are not going to an area where they will affect you.

3. Vents & Filters

It is a little-known fact that if you shut your vents you actually are making your AC unit work harder to cool the rest of the house. By leaving your vents open you can save money and stress on your unit. The same goes for your filter, change it often and your system will last longer and not need to use unnecessary energy to keep your home cool.

4. Thermostat

Try to keep your thermostat in the range of 76-78 degrees Fahrenheit. This is a comfortable temperature and if used in conjunction with your ceiling fan will actually feel up to 4 degrees cooler than the set temperature.

5. Appliances

If you need to do a load of laundry, try to hold off until the evening. Also, consider not using hot water when you wash, as it is known that cold water requires less energy. If you have a dishwasher, refrain from using it during the daytime and try to hand-wash dishes when possible. All appliances consume energy when they are plugged in, even if they are not being used. Unplug any and all appliances when they are not in use.

6. Leaks

Take a lap around your home and make sure all of your weatherization is in good order. Much like leaving a window open while your air conditioner is on, cool air will escape from the tiniest leaks in window panes, doorways, etc. There’s no sense in paying more and stressing your AC to cool the outdoors.

7. Dress For the Weather

This tip doesn’t just apply to when you are in the household. Running errands or working in the yard with long sleeved shirts and thick pants will only entice you to go inside and stand in front of your AC until you’re cooled off. Wear short sleeved shirts, shorts and/or skirts whenever possible.

8. Hydrate!

Beat the heat from the inside out. Keeping those ice cube trays filled and consuming 8-10 glasses of cold water will not only keep you cool internally throughout the day but will also help you avoid potential health complications such as heat stroke. Lowering your body temperature this way will minimize the need for air conditioners or excessive fanning.

And don’t forget, staying mindful of your home energy costs isn’t the only way to save from month to month. Another great way to keep more money in your pocket year-round is through a homeowner’s insurance policy perfectly catered to your specific needs, so contact us today to find a plan that works for you!

Get Your FREE Homeowner’s Insurance Quote HERE!