Christmas Decorating Safety Tips

Imagine you could ask Dr. Seuss’s infamous, Christmas-stealing character, the Grinch, for Christmas decorating tips. He would certainly tell you to overload your circuits with Christmas lights and use an old, rickety ladder to put them on the house. He’d tell you to buy a dry, dead Christmas tree, put out lots of candles wrapped in ribbon and crepe paper, and populate your house with deadly, poisonous plants.
Unless you want the Grinch to steal your Christmas (or at least send you to the hospital), read these Christmas decorating tips to safely show your Christmas spirit and get into the holiday mood. Christmas decorations can be as safe as they are beautiful. Because, you see, even the Grinch learned to see the beauty in Christmas.

1) The Christmas Tree
Choosing and caring for a Christmas tree may mean the difference between a safe holiday home and a dangerous one. It’s important to understand the danger of an improperly cared-for tree. According to the U.S. Fire Administration, there are 6 times more fires caused by Christmas trees in late December as there are in early December. A dry tree can catch fire with the flame from a candle or match and is capable of completely engulfing a typical family room in less than 40 seconds.
More: Christmas Tree Safety

2) Christmas Candles
Candles cause twice as many fires in December as they do in the average month. Proper safety should be practiced around candles all year, and everyone should pay special attention around the holidays. Most of the time, fires are started by candles burning unattended, either by some one leaving the room or falling asleep. If you plan to use candles as Christmas decorations, follow these tips.
More: Candle Safety

3) Using Ladders to Hang the Decorations
Many Christmas decorations require a ladder to put them on the roof or ceilings. Of course, you should take care when using ladders any time of year. Nobody wants to spend Christmas in a hospital bed, recovering from a broken leg.
More: Ladder Safety

4) Christmas Lights
Twinkle, traditional, bubble — there are several types of Christmas lights on the market. They’re all pretty, but they all have the ability to burn down the house or give you a jolt. They also have the ability to make you go broke from the massive electricity bill, but that’s a different story.
More: Christmas Light Safety

5) Pretty Holiday Plants
Holly and mistletoe long have held a place in Christmas tradition. They have one other thing in common: they’re both poisonous. Many other holiday plants are also poisonous, though poinsettias are not. It’s a maze of toxic holiday plants out there — make sure you know what’s safe and what’s not.
More: Poisonous Holiday Plants

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Published in: on November 30, 2009 at 8:35 pm  Leave a Comment  
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CAUTION: Deer Crossing

It’s Fall So Watch Out For Those Deer

Fall is here and so that means its also deer mating season. Did you know that statistics show that more car/ deer accidents happen in the month of November then any other? So we need to really be on the lookout for deer in the early morning and at dusk. Now that day light savings time is here our days will be getting shorter and shorter. This means that the perfect time to hit a deer is on the way home from work now! The question you need to ask yourself is whether your Atlanta auto insurance policy will cover you?

This problem is not unique to Atlanta. Recently we commented on a new program in Colorado to help drivers spot deer while driving. And today, the Ohio State Insurance blog shares these tips to help to avoid accidents with deer.

-Drive with extreme caution, at or below the posted speed limit, in areas with deer-crossing signs.

-Most crashes occur in the months of October through January,
followed by May. Highest-risk periods are from sunset to midnight,
followed by the hours shortly before and after sunrise.

-If you see one deer on or near a roadway, expect others to follow. Slow down and be alert.

-After dark, use high beams when there is no opposing traffic.
High beams will illuminate the eyes of deer on or near a roadway and
provide greater motorist reaction time. Don’t rely solely on high beams
to deter collisions.

-Always wear a seat belt as required by state law and drive at a safe, sensible speed for conditions.

-If a collision with a deer seems probable then hit it while
maintaining full control of your vehicle. Don’t swerve your vehicle to
avoid striking a deer. Brake firmly and stay in your lane. The
alternative could be even worse.

-Stay alert. Deer are always unpredictable. They often dart out into traffic on busy highways in metro areas.

-Report any deer-vehicle collisions to a local law enforcement
agency.

These are helpful tips for everyone. However, what happens if you hit a deer one evening?

Will you be covered by insurance?

Unfortunately, your basic Atlanta auto insurance may not be enough. If you want your insurance company to pay for the damage caused by a deer you will need to make sure you have more than a simple GA liability insurance policy. A car and deer collision is only covered by a “comprehensive” policy. So if you have “full coverage” you should be fine. Just remember that you will be responsible for the deductible before the insurance agency issues you a check for repairs.

If you are not sure about what your policy will cover, why not contact Lloyd Pro Group right now at (770) 497-1200. Your friendly agent will explain your current policy with you and answer any questions that you may have.

Lloyd Pro Group and Nationwide insurance have been helping folks save on Atlanta car insurance for over 20 years. They can be reached at (770) 497-1200.

We would love to hear your “deer” or even any kind of “wildlife crossing” stories. How did it happen, what was the outcome? Let us and others know!

Published in: on November 30, 2009 at 2:01 pm  Leave a Comment  
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Life Insurance… Not “one size fits all”…all the time

I have life insurance through my job. Do I need more life insurance?

Life insurance offered by your employer will give your family some financial protection. Keep in mind, however, that it may not be enough to cover all of your family’s needs. Here are some things to keep in mind: Your coverage is tied to your job. If you change jobs and your new employer doesn’t offer life insurance, you won’t have coverage. Life insurance offered by your employer is probably “one size fits all.” It gives your family basic protection, but you can’t customize it to meet your unique needs. If group life insurance doesn’t provide all of the coverage you need, an individual life insurance policy may be a good choice. Individual life insurance has many features and benefits, including some that can give you financial flexibility.

Talk with an insurance or investment professional for help in deciding what type of insurance could fit your needs. Call Lloyd Pro Group for a comprehensive review of what is best for you. 770-497-1200.

Published in: on November 16, 2009 at 7:41 pm  Leave a Comment  

The Big Flood of 2009… Were you protected?

Were You Protected With Atlanta Flood Insurance For The Big Flood Of 2009?

If not… Will you be protected next time?

Did you know that the average flood claim runs about $33,000 … and that, my friend, is damage from only a few inches of water.

I wonder what the average claim will be here in Atlanta?   Insurance companies have been deluged with thousands of claims in the last few weeks right here in Georgia. Perhaps you personally know someone that has been impacted by the flood.

Well that raises a question then …. Should you invest in flood insurance?

Traditionally, in the past if you lived in a flood zone,  you were required to have insurance and if you didn’t live in a high risk area,  then you just didn’t bother with it.

So what about now, with all the damage that has occurred and may continue to occur with our already rain soaked city?

Listen closely to what Georgia Insurance Commissioner John Oxendine said in a recent AJC interview as he voices alot of concern regarding the flood damage that may not be covered by insurance, since standard homeowners policies do not cover floods.

“As the weather over the past few days has shown, purchasing flood insurance is an important consideration for Georgia consumers, even if you think a flood is unlikely in your area,” Oxendine said.   He goes on to say,  “Twenty-five percent of flood claims occur in areas considered medium or low-risk for floods.”

Things you  may not know about flood insurance:

  • First of all,  even though you may purchase a flood insurance policy from Lloyd Pro Group, your Georgia insurance company, it will be  backed by the US  Federal Government through the National Flood Insurance Program.
  • A “Standard” Flood insurance policy is available for your home to cover up to $250,000 of damage covering the basic home structure and damage cleanup.
  • Why do we say a “standard” policy? Because it only will cover your home structure.   If you want insurance to protect your personal belongings,  then you will need to make sure that your policy also protects your “contents”.   So be sure to  ask your Atlanta insurance agent if you will be covered for contents as well.
  • By the way, you can get up to $500,000 coverage to protect a non-residential building and its contents also.

Why You Can’t Put This Off Any Longer

Oxendine tells us about the the importance of planning ahead for a flood. Why would he do that?  Simply put, because there is a 30-day wait period on all flood insurance policies. That means if you get it today, you will not be protected untill next month.

How much does flood insurance cost?

That depends of course on whether you live in a high-risk flood area &  how much your home and its contents would cost to replace.   But I can tell you this, if you don’t live in a high-risk area, it’s not going to be nearly as expensive as you might think.

The good news is that Atlanta homeowners  in a $250k house will only need to invest about a dollar a day in return for $250,000 worth of protection. I wonder how many people are kicking themselves right now?

Renters can protect their belongings for as little as 15 cents a day. You can’t even get a pack of gum for 15 cents any more.

Now for a moment,  just think of all the thousands of people that wished they would have invested in flood insurance before…  instead of getting that extra can of coca-cola every day.

What will you do?

I’m sure you have a boatload of questions right now,  so why not pick up the phone and contact us at (770) 497-1200 right now or just request a GA insurance quote ?

Published in: on November 10, 2009 at 9:25 pm  Leave a Comment  

Halloween and your Home Insurance Policy

Its that time of year again and insurance carriers are cringing. Why?

Did you know that Halloween week (October 30- November 5) is responsible for more malicious claims than any other week of the year? And that’s right, you guessed it, Halloween Night October 31 is the granddaddy of them all with a whopping 270% more claims than any other day.

Past years claims range from broken windows, walls and fences being knocked over and believe it or not having to repaint houses because of rotten eggs that were thrown.

Thankfully, with your Atlanta home insurance policy you won’t have to worry about repairs. But it certainly does make sense to make sure doors and windows are kept locked, exterior lights are shining brightly and anything that could be broken or damaged is safely put out of the way from the hands of those halloweeners who are intent of “tricking” while ‘treating”.

Published in: on November 4, 2009 at 4:54 pm  Leave a Comment