If you live on a large property, such as a farm, with multiple outbuildings, barns, stables, granaries, and the like you probably want to look into additional coverage. This also applies to any outbuildings used primarily for business purposes.
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Regular homeowner's insurance will cover loss or damage due to certain risks, such as fire, hail or theft. If you choose to cover your outbuildings under your regular homeowner's insurance, be aware that those external structures will only be protected for the same reasons. If you're concerned about flooding, earthquakes, or other risks not covered by your policy, you'll want to purchase additional coverage. Depending on what you store in your outbuildings or how you use them, they might actually be worth more than your home or at least worth more than would be reasonably covered by your homeowner's insurance.
On a regular homeowner's policy, it's customary for external structures to be covered for 10 percent of the value of your home.
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Make sure the coverage you have for your outbuildings matches the value of what they're actually worth. If you store expensive items in your outbuildings, you want to make absolutely sure they are covered to the degree you would like, just in case. Outbuildings can more easily be broken into, so it's important to understand the value of their contents and secure separate coverage if necessary.
Just as with other aspects of your home, your insurance company may not cover damage or injury related to other structures on the property if they are not well-maintained and safe for guests and visitors. Even if they don't get a lot of use, make it a point to regularly inspect the other structures around your home and take care of any problems or safety concerns. If you're a new parent, a car seat is one of the most important pieces of baby gear you'll purchase but it must be installed properly to be safe.
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Unfortunately, studies show that a large majority of parents make at least one mistake when installing a new car seat. But it doesn't have to be complicated, and there is help out there. Follow these guidelines for proper installation and to keep your child safe in the car from day one:.
A rear-facing car seat is a must for babies and toddlers: in the event of an accident, it protects the head, neck and spine. Keep your little one there until he or she has reached the maximum height and weight requirements specified by the seat manufacturer. The American Academy of Pediatrics recently updated its guidelines to say that children should remain rear-facing "as long as possible," regardless of his or her age.
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After that, young children should transition to a forward-facing seat, then a booster seat. Once they are big enough for a regular seat belt, they should still ride in the back seat, at least up to age If you're worried about getting it right, help is out there. At cert. There are also many how-to installation videos available online. In many cities you can get your car seat inspected at your local fire department.
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The National Highway Transportation Safety Association also recommends registering your car seat so that you can receive updates, recall and safety information. Go to nhtsa. For all of your auto insurance questions, call or contact Salerno Brokerage Corp. Having a seasonal home in your favorite vacation spot is part of the American dream for many families. But a seasonal home requires maintenance and protection, which is difficult to do when you're not there most of the time. Since second homes and vacation homes often sit unoccupied for months, they can be a target for theft and vandalism. Plus, if a problem occurs, you might not be around to catch it before the damage becomes serious.
For these reasons, second homes often carry more risk from the perspective of an insurance company. But that doesn't mean a second home can't still be a great investment. Here's what you should consider when purchasing and insuring your seasonal home. It's a good idea to figure in added insurance costs before you purchase a second home.
In addition to the unique risks mentioned above, there are certain property features--such as location or having a pool, for example--that could increase your risk and therefore your insurance costs. How the property is used also makes a difference: if you plan to use your second home as a rental, you may also need to purchase a landlord policy. Before you buy, talk to Salerno Brokerage Corp.
Oftentimes, you can insure a second home through the same company that provides your homeowner's insurance. The alternative is to find an insurer that specializes in seasonal homeowner's insurance--but some of those will have a "primary residence requirement," meaning you must also purchase your primary homeowner's insurance through that company in order to get a second policy on your seasonal home. Salerno Brokerage Corp. We can get yout the right type of coverage for your property and circumstances.
There are things you can do to keep your second home safe while you're away that might also lower your insurance costs. Make sure the home has a quality alarm and security system, and consider hiring a property manager to regularly check on the house and perform upkeep while you are absent. Property managers can take care of snow removal and landscaping, handle vacation renters, and, most importantly, can be on the premises quickly to assess any damage--whether an alarm goes off or after a severe storm. Good tires are essential for safe driving and a smooth ride. Regular tire maintenance is relatively simple and inexpensive, and can greatly extend the life of your tires.
Here are the basic things you need to know to maintain your current tires or to purchase new ones. Rotating tires is like rotating a mattress: it ensures that no tire gets too worn down in the same spot.
Regularly rotating and balancing your tires these are usually done at the same time will help them to wear evenly and last longer. So how often should you have your tires rotated?
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Most experts recommend rotating your tires every 5, to 8, miles, but the best thing to do is follow the guidelines from your owner's manual. The rotation schedule has more to do with whether your car is front, rear, or all-wheel drive than with the tire itself. Rotate your tires consistently, but only as often as is necessary. Did you know that tire pressure has a huge impact on the safety of your ride as well as its fuel efficiency?
Checking your tire pressure is simple, and keeping it within the proper range can save you a lot of money long term, in both fuel and tire replacement costs. Having under- or over-inflated tires also makes driving more dangerous.
test.galenachamber.com/phoenix-prophecy-phoenix-saga-book-1.php Use an inexpensive tire gauge to check your air pressure at least once or twice a month. When the weather is cold, you may need to check your tire pressure more often. Use the guide on the inside of your car door to restore tires to the correct air pressure. If you're not comfortable checking air pressure yourself, most tire shops are happy to take a look and make the adjustments for free. Many car owners don't think about wheel alignment unless there's a problem--like if the car starts veering to one side as they drive down the freeway.
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But it's a good idea to have your wheels aligned every years. Your mechanic will re-adjust the angle of your wheels to meet manufacturer guidelines. This will extend the life of your tires and make your time behind the wheel safer and smoother. Admittedly, shopping for new tires takes a little bit of effort, but it doesn't have to be overly difficult. There are several factors you should consider, including how often you drive, the climate you live in, how you drive, your budget and the kind of performance you're looking for.
The best way to start is with some online research or an online tire comparison tool. Once you have a sense of what you need, ask around or make some phone calls to find a reputable dealer that will give you a decent price and will guarantee their work for the long run. Do you really need winter tires? Most experts say that if you live in a climate where winter temperatures regularly go below 40 degrees, the answer is yes.
The main reason is that winter tires are made with a type of rubber designed to withstand those kinds of temperatures, and even the best quality all-weather tire is not going to give you that advantage. Good quality winter tires keep you safer on the road. So really, it's no longer a debate.
In most cases, it makes sense to purchase winter tires if you live in a colder climate. Although motorcycle enthusiasts in certain areas of the country are able to ride year round, spring and summer is when most bike owners are finally able to get out there on the open road. Before you take that first ride, make sure that your bike is up to the task and ready to go.
Motorcycle maintenance and safety go hand-in-hand, and keeping your bike in great shape will ensure a great ride. Before you hit the road, make sure you are protected. Motorcycle insurance can usually be purchased through your auto insurer. Much like car insurance, Salerno Brokerage Corp. Taking a motorcycle-specific safety course can reduce your risk of accident or injury, as well as your insurance costs. There are many ways to reduce your risk of accident or injury while riding your motorcycle.
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