These Homeowners Insurance Endorsements Can Help Keep Your Home Safe!

Homeowners Insurance Endorsements Can Help Keep Your Home SafeKeep your home well protected with the right homeowners insurance and endorsements.

When it comes to your homeowners insurance, you choose a policy that gives you basic coverage. Your plan gives you the coverage that you need to rebuild your home, replace personal possessions, and cover minor liability claims. However, sometimes you need more coverage. That’s where insurance endorsements come in; when your policy needs a little extra boost, supplement your coverage with the right homeowners insurance endorsements. Check out what you need to know.

Natural Disasters.

Your homeowners insurance policy only gives you coverage for covered perils. However, if your home suffers damage from a non-covered peril, you’re left paying for the damage out of pocket. When it comes to floods, earthquakes, or wildfires, be aware that your homeowners insurance policy won’t cover any damages. Fortunately, you can supplement your regular home policy with certain natural disaster endorsements.  Determine which hazards your home is susceptible to, and add coverage as necessary.

Valuable Items.

Your home is your personal safe haven from the outside world. It’s a place where you feel safe and where you can keep your valuables secure. However, sometimes accidents happen. Whether it’s a break in or a fire, a disaster can ruin your personal possessions. Your homeowners insurance policy gives you some coverage for your personal possessions. However, when it comes to your more expensive items, they’re often left unprotected. Get the coverage that you need for your high ticket items with a valuable items endorsement. That way you can rest easy knowing that you have the coverage that you need.

When it comes to getting the protection that you need for your home, it’s important that you supplement your homeowners insurance with the right endorsements. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Enjoy Halloween Family Fun with These Safety Tips!

Enjoy Halloween Family Fun with These Safety TipsWhen it comes to your Halloween family fun, put safety first!

From candy corn and pumpkins to witches and goblins, it’s time to celebrate the Halloween season. As you and your family get ready for the big night of trick-or-treating, ensure that you take the necessary safety precautions. Despite all the holiday fun, Halloween can be dangerous. Prepare your kids and check out these Halloween safety tips.

Costume Safety.

When choosing a costume, help your children find an outfit that’s comfortable and safe. Avoid tripping by selecting a costume with a hem above the ankles and comfortable walking shoes. Avoid any peripheral vision issues by nixing the mask; rather, encourage your child to wear non-toxic face paint or makeup instead. That way they’re able to see their surroundings.

Traffic Safety.

Aside from spooky jack-o-lanterns and porch lights, it’s dark out when you head out for a night of trick-or-treating. Dark costumes and pedestrians roaming the streets are a recipe for disaster. Ensure that your kids are visible to reduce their risk of getting hit by a car. Have them wear a light-colored costume or add reflective tape to their outfit. That way drivers are better able to see them.

Stranger Safety.

On Halloween, you meet lots of strangers. While most are harmless, it doesn’t hurt to remind your kids to be wary of strangers. Ensure that your children are aware of their surroundings and that they know never to enter a stranger’s home no matter the circumstance.

Candy Safety.

It’s never a good idea to eat any candies with an open wrapper. Check your kids’ candies and toss any open pieces or homemade pieces. That way you can prevent any mishaps.

Panzera Insurance wishes you and your family a safe and happy Halloween! Keep your family safe year-round with the right insurance coverage. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Be Ready for Fall Driving! Check Out These Tips to Keep You Safe on the Road

Fall Driving Tips to Keep You Safe on the RoadFind out what you need to know about safe fall driving.

Driving at any time of year is dangerous. However, each season brings its own set of dangers. This fall, be prepared for all the seasonal driving hazards; check out what you need to know about these fall driving hazards so that you can stay safe on the road.

Rainy Weather.

Wet weather increases your risk for an accident, especially in an area where it doesn’t rain often. Motor oil residue combined with the rain makes roads extra slick. Use extreme caution and drive slowly. Don’t forget that it takes your car longer to stop in the rain. Remember to leave plenty of room between your vehicle and the car in front of you, so that you can avoid an accident.

School Traffic.

The new school year has begun! But, with the kids in school, it’s important to anticipate school traffic. Remember to leave early so that you don’t have to rush in school traffic. Plus, be on the lookout for children. Kids may dash across the street, so it’s important to be able to stop on a dime.

Road Glare.

As daylight savings time comes to an end, it’s important to be wary of glare. While it may seem harmless, glare can be blinding and can lead to some serious roadside dangers. Go slow when you’re faced with the glare so that you’re better able to stay in control of your vehicle. That way you can avoid an accident.

When it comes to your vehicle, it’s important to stay protected through fall and the rest of the seasons. Invest in the right auto insurance so that you can stay protected on the road. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

It’s National Breast Cancer Awareness Month! Encourage Your Loved Ones to Get Screened

Get Screened for National Breast Cancer Awareness MonthRaise awareness about good health during National Breast Cancer Awareness Month.

It’s important to take care of yourself for the sake of your health. Get a full eight hours of sleep, eat a nutritious diet, drink plenty of water, and get in a bit of exercise. However, perhaps one of the most important parts of preventative medicine is keeping up with monitoring your health. A simple test, for example, can make a huge difference when it comes to preventing certain diseases. Participate in National Breast Cancer Awareness Month to help save lives. Check out what you need to know about breast cancer so that you can join the fight.

Breast Cancer Facts & Figures.

  • Breast cancer develops when there’s abnormal, malignant cell growth in the breast tissue. It is the most common form of cancer found in women.
  • Breast cancer is one of the leading causes of death for women. The disease affects roughly one in eight women. About 200,000 women are diagnosed with breast cancer every year.
  • All women are at risk for breast cancer. While it primarily affects older women, young women are also at risk. Although rare, breast cancer can also affect men. Male cases of the disease make up less than one percent of the population affected.
  • Regular breast cancer screenings can be beneficial in catching the disease early, saving more lives.

How to Raise Awareness.

  • Encourage your loved ones to talk to their doctor about breast cancer screenings. The more aware your loved ones are about their health, the better able they are to take preventative measures. From mammograms to self-exams to genetic testing, get checked so that you can stay healthy.

Put your health first during National Breast Cancer Awareness Month! Show your loved ones that you care about them. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Eliminate These Home Expenses to Save Money

Eliminate These Home Expenses to Save MoneyLearn how to save money by eliminating these household expenses.

The cost of living is expensive. Between housing payments, utilities, and bills, your income is already spread pretty thin. However, with a few adjustments you can start saving in no time. Check out how to eliminate these costly household expenses so that you can save money.

Eliminate: Take Out Food

Alternative: Learn to cook. When it comes to your eating habits, some are more expensive than others. Dining out can add up quickly. Rather than grabbing a quick meal at a restaurant, cook at home. You’ll save more at the grocery store so that you have more money to add to your savings.

Eliminate: Cable Television.

Alternative: Netflix. Even with hundreds of channels, it’s hard to find something to watch. Don’t throw money down the drain when it comes to your cable bill. Rather, ditch the television altogether. Instead, stream your favorite shows on your computer. Streaming services like Netflix and Hulu are infinitely cheaper than cable, and you can stream a show whenever you want so that your shows fit into your busy schedule.

Eliminate: Gym Membership.

Alternative: Local track. By all means, you should make your health a priority. However, that’s not to say that you should throw away money on a gym membership. Rather, all you need to get in shape is a good pair of running shoes. Take a walk around your neighborhood or head over to your local track to run a few miles. That way, you can get in your exercise without having to break the bank.

Reduce your home expenditures so that you have more savings. For additional savings, consult with your insurance agency to get the best deals on your homeowners insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Find Out How to Deal With a Popped Tire While Out on the Road

How to Deal With a Popped Tire While Out on the RoadLearn how to deal with a popped tire while you’re out and about.

Driving is a dangerous business. You’re at constant risk of an accident. Should your tire pop while you’re on the road, it’s important to know exactly what to do. Read up on this guide to roadside preparedness so that you’re best able to handle a popped tire. Check out what you need to know.

Maintain Composure.

It’s easy to panic when your tire pops on the road. There’s a sudden loud noise followed by a sudden jerk of your vehicle in the direction of the busted tire. However, in order to take action and safely get off the road, you need to remain calm. Do your best to relax so that you can get to safety.

Hesitate Before You Brake.  

When you have a popped tire, braking will only make the situation worse. It can cause the car to spin out or roll, making your situation even more dangerous than it already is. Rather than braking, keep your foot on the gas pedal until your car has stabilized. Then you can gradually ease up off the gas until your car slows down.

Pull Over & Call for Help.  

When you regain control of the car, do your best to pull over as soon as possible. Turn on your hazard lights, and ensure that you’re visible and wary of oncoming traffic. Change your tire yourself, but ensure that you have another person around to spot you. If you’re by yourself, call for roadside assistance.

Get the right auto insurance coverage so that you can keep your car safe on the road. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Signs That It’s Time to Replace Your Roof

Signs That It's Time to Replace Your RoofKnow when it’s time to replace your roof.

It’s important to keep your roof well maintained. It’s your main source of protection against the elements from temperature to the wind to rain. However, your roof won’t last forever. As the elements put wear and tear on your roof, you need regular maintenance to extend the life of your roof. Check out what you need to know about when it’s time to replace your roof.

Damaged Shingles.

When it comes to your roof, it’s imperative to have it inspected at least once per year. Have a look to ensure that there aren’t any damaged, broken, cracked, stained, or curled shingles. If you do notice any that are damaged, have them replaced as soon as possible.

Unevenness.

If you notice that your roof is a bit curved, or uneven, it’s likely a sign of damage. When it comes to your roof, it should be straight. If it’s not, it’s time to replace it.

Interior Damage.

Sometimes it’s hard to tell if your roof is damaged. However, a quick sweep through the attic can help you determine whether or not your roof needs replacing. If you notice any interior water damage in your attic or anywhere else near your roof, you have a leak and your roof needs repairs at the very least.

High Energy Bills.

Your energy bill can be another clue as to whether or not your roof needs fixing. If your roof is damaged, your heating and cooling systems may be working harder than they need to, making your bill skyrocket. Look at your energy bills for clues of a damaged roof.

Keep your roof in great shape so that you’re better able to extend its life. Ensure that your roof keeps you well protected. Keep your home well protected with the right homeowners insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.