Spend A Little Money… Save A Home

smart-home-2005993_1280Now Is The Time To Test Your Home Fire Safety Equipment

Now that summer is over and we have set our clocks back, it is time to check your home fire safety equipment.  Having working fire safety equipment can save lives. But electronic devices are not infallible; batteries die, and other parts of the smoke detector can wear out over time. Regular testing can help ensure that your family will be safe in the event of a fire in your home.

  • Smoke Alarms–Test each smoke alarm in your home to make sure it is in good working order, and replace the batteries. It is also recommended that every bedroom have a smoke detector. Hard wired detectors are the best, but you can purchase newer detectors that have a battery life of 10 years.  Make sure everyone in the home recognizes the sound of the smoke alarm and knows how to respond.
  • Fire Extinguishers–Performing a monthly inspection of your fire extinguisher is easy. Check the label or user manual for the manufacturer’s maintenance suggestions, and then follow those steps for doing your own monthly check. Keep the extinguisher in an open and common area, check the pull pin to make sure it still works, and check the pressure gauge.
  • Carbon Monoxide Alarms—Refer to the manufactures instructions for testing your specific model. However, to test most carbon monoxide alarms, you simply locate the test button, press and hold the button for a few seconds, and listen for the sound of the alarm to insure it is working. Finally replace the batteries.

Remember, knowledge is power.  Therefore, the more information your agent has the better pricing and coverage they will provide for you.  North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

 

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Stop Thief… That’s Mine

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The holiday season is filled with fun, parties, food, gift, overeating and unfortunately some risk. One of the fasted growing risks for many people is stolen packages by porch pirates. According to proopertycasualtiy360, over 26 million packages are stolen during the holiday season. Need more bad news?

Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible. There could be coverage if you have personal property off premises insurance. Also for theft coverage to apply generally, you need proof of loss by a broker indoor, etc.

Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.

Things To Do

  • Delivery confirmation is a good way to prove the package was delivered.
  • Thieves will follow delivery trucks, waiting for the perfect target.
  • These thieves commonly strike during working hours as many homes are empty at that time.
  • You can insure your packages.
  • Consider having a person there when the delivery is scheduled.
  • Install a security camera.

High Tech Solutions

There are a few high tech solutions to consider.

  • Landport or BoxLock provides a delivery box on your porch that has an electronic lock.
  • Amazon Key, which has a fairly simple premise: When a delivery arrives at your house, and you’re not home, the courier scans a barcode that sends a request to Amazon’s cloud. If it’s approved Amazon remotely unlocks your door and starts recording video through the online retailer’s Cloud Cam.
  • Install a front door camera. Many shippers will not replace the item with this kind of device.

What To Do If A Package Is Stolen

  • Track your package. Check the delivery confirmation and tracking number.
  • Make sure a neighbor did not pick it up for you.
  • Contact the seller. Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
  • File a claim with the shipping company.
  • Check your Credit Cards for Purchase Protection.

Remember, knowledge is power.  Therefore, the more information your agent has the better pricing and coverage they will provide for you.  North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

Sharing Is Good… But At What Cost?

Handful of Paper Money

Handful of Paper Money

Sharing May Increase Your Personal Liability Risk

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:

  • Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
  • If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.
  • Taxi services where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.
  • Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
  • If you rent your primary home to others, it may limit your personal insurance coverage. Call out office for a review.

The use of the new sharing economy will most likely continue and may be a good way to make money. However, if you have an uninsured claim, the cost may be much greater.  Be aware that using these services may increase your risk of loss.

North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

How To Make This Fall A Treat Not A Trick!

pumpkin-1014971_640We are gearing up for the holiday season and that means a new set of concerns for homeowners. First, there are weather-related concerns and then comes Halloween.

Did you know that the insurance industry can tell you what the most common claims are for each month? Insurance companies keep very accurate and detailed records of when claims occur and what kinds of claims occur in what season.

North Bay Insurance Brokers is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Common Claims That Occur In The Fall

  • Rear-end collisions. These occur more in the fall due to changing weather and increased rain. If you’re following a car, leave at least four seconds of time between you and the car in front of you if going 45 mph.
  • Water damage. Damage as a result of rain or freezing pipes, occurs more often between October and December than in any of the other months.
  • Fires from candles, cooking, and fireplaces caused over 45% of the home fires in the fall months.According to gov, more than 2,500 people lose their lives in house fires each year, and another 12,600 are injured.
  • Theft from vehicles. From October through December, more cars are broken into at shopping malls, due to increased holiday shopping. Always place your packages out of light in the trunk when going back and forth from your car to the stores.
  • Snow, ice and rain accidents. Winter weather, even in warmer parts of the country, creates increased hazards and accidents. 37% of all skidding and snow claims occur between October and December.
  • Home burglaries increase about 33% during the fall. Keep your doors locked, use motion detectors, and turn on your home alarm.

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.

Safety Tips For Kids

  • Never, ever, go into a house.
  • Costumes should be short enough to prevent children from tripping and falling
  • An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends.  Never go out alone.
  • Only go to homes with a porch light on.
  • Plan costumes that are bright and reflective.
  • Do not eat homemade food.
  • Examine all candy.  If it has been opened, toss it out.
  • Use a flashlight.

At North Bay Insurance Brokers, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Don’t Get Tricked This Halloween

pumpkin-1014971_640A North Bay Homeowners Insurance Update

Your homeowners insurance covers many different kinds of risks including vandalism caused by trick-or-treaters.  Now may be a good time to have a free home insurance review.

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are active on Halloween night is always a concern.  A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.

Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

  • Consider providing healthy treats for trick-or-treaters such as low-calorie treats and drinks.  For your guests, offer a variety of fruits and vegetables.
  • Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.
  • Keep candle-lit jack o’lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.
  • Remind drivers to watch out for trick-or-treaters and to drive safely.

Safety Tips for Kids

  • Never, ever, go into a house.
  • Costumes should be short enough to prevent children from tripping and falling.
  • An adult or an older responsible child should always accompany young children.  Even older children should go trick-or-treating with an adult, or in a group.  Never go out alone.
  • Only go to homes with a porch light on.
  • Plan costumes that are bright and reflective.
  • Do not eat homemade food.
  • Examine all candy.  If it has been opened, toss it out.
  • Use a flashlight.

Safety Tips for Motorists

  • Watch for children walking on roadways, medians, and curbs.
  • Enter and exit driveways and alleys carefully.
  • Turn your lights on.
  • At twilight and later in the evening, watch for children in dark clothing.

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Sources: http://www.nsc.org/, https://www.aap.org, https://www.cdc.gov

North Bay Brokers Can Help Employers Manage Workers’ Compensation Costs

risk-1945683_640A Workers’ Compensation Update

There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.

  1. Search the market for options and program designs that fit the individual needs of each employer.
  2. Help build a bridge between the insurer and business.
  3. Educate employers about how workers’ compensation works.
  4. Work with employers in the development of a safety program.
  5. Analyze all classifications to make sure they are correct.
  6. Help the company prepare for the workers’ compensation premium audit.
  7. Provide the framework for an early return to work program.
  8. Help the company review accidents and claims to determine trends and then create safety solutions.
  9. Facilitate a claims review with the insurer to make sure all claims are being processed correctly.
  10. Be a resource to the business by bringing in other service providers to solve problems; i.e., attorneys, safety professionals, and third party claims consultants.

Workers’ compensation is an important part of your business insurance program. It is required by state law that your business has workers’ compensation insurance.

As a business owner, you go to great lengths to provide a safe working environment for your employees. Workers’ compensation continues to be a significant cost driver for most employers, and understanding all the factors that can drive your workers’ compensation cost can often be complex and time consuming.

At North Bay Insurance Brokers, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable

 

 

No Animal House For Your College Students

bigstock-Student-with-skateboard-and-ba-15704690A Personal Insurance Update

By now, your college-aged kids are in school doing who knows what.  Sending a child to college requires making many decisions, but one decision you do not want to put off is reviewing your personal insurance.  The reason is that with a child in college your risk has changed and you may need to adjust your personal insurance program.

Is Your Child Renting a Home or Apartment?

If your child is renting a home or apartment with others, you may want to consider a renter’s policy.  The concern is that roommates can create liability for you if their actions cause a loss.  We usually recommend a separate renters policy to keep the liability separate.

Other Personal Insurance Issues

  • If a student is attending school 100 miles or more away from home and is not taking a vehicle, you may be able to list the student as an “occasional driver” with the insurance company and save money.
  • Many homeowners’ policies will cover a child’s personal belongings while at college if they are damaged by fire, water, or other perils named in the policy, subject to limitations. Call our office for more information.
  • Identity theft is big problem on many college campuses. We can add coverage to your homeowner’s policy.
  • Health insurance – Children can remain on your health policy until the age of 26. Many colleges will offer student health insurance at a very reasonable cost.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on car insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to our office.

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.