How To Prepare For Holiday Home Safety

christmas-card-2945633_1280The Holidays are almost upon us, and if you have been to any department store, the sounds of Christmas are ringing out. According to the U.S. Fire Administration, over 400 homes are destroyed annually by causes related to Christmas tree fires. According to the U.S. Consumer Product Safety Commission hospital emergency rooms treat over 12,900 people each year for injuries such as falls, cuts and shocks related to holiday lights, decorations and Christmas trees. Before you put up the lights or cut down the tree, we wanted to provide you with a few safety reminders to keep you and your family safe this holiday season.

The Tree

  • Keep Christmas Trees Fresh; water regularly.
  • Keep trees away from heat sources.
  • Take Christmas trees down before January.
  • Do not burn the trees in your fireplace.
  • Avoid placing breakable tree ornaments, or ones with small detachable parts, on lower branches where small children or pets can reach them.
  • When purchasing an artificial tree, look for the label “Fire Resistant”.

Lights

  • Only use lights that have been tested for safety by a recognized testing laboratory.
  • Never string together more lights than are recommended by the manufacturer.
  • Make sure extension cords are rated for the intended use.
  • Before using lights outdoors, check labels to be sure they have been certified for outdoor use.
  • Turn off all holiday lights when you go to bed or leave the house.
  • If you use a timer for your outdoor lights, make sure it is rated for outside use.
  • Outdoor lights and decorations should be plugged into circuits protected by ground fault circuit interrupters (GFCIs)

Ladder Safety

  • When putting up holiday decorations, always use the proper step stool or ladder to reach high places. Don’t stand on chairs, desks, or other furniture.
  • A straight or extension ladder should be placed one foot away from the surface it rests against for every four feet of ladder height.
  • Use ladders with slip-resistant feet.
  • Never stand on top two steps.

Enjoy the season with family and friends, and never drink and drive.

 

 

Give us a call so we can provide you with options.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

How To Protect Your Identity During The 2019 Holiday Season

aqazxaBlack Friday and Cyber Monday are coming, and holiday spending will continue right up to December 24th. According to the Nation Retail Federation, 84% of Americans will use the internet to shop during the holidays. Even during non-holiday times, people are using noncash transactions for the purchases of goods and services.

Cybercriminals are smart, and you need to be informed about protecting your identity. Identity theft has been the No. 1 consumer complaint for 12-straight years, according to the Federal Trade Commission. Experts tell us that it can take over 100 hours and thousands of dollars to restore your identity once it has been stolen. There are things you can do to protect your identity during the holidays and throughout the year.

  • Consider identity theft insurance.
  • When shopping, only take the credit cards you need.
  • Credit cards have more protection than a debit card. Do not use your debit card or checks for transactions because these forms of payment are directly linked to your bank account.
  • Review your bank statements to make sure all transactions are correct.
  • When online shopping, only use sites you have used before or those that are reputable.
  • Use secure ATMs.
  • Make sure your antivirus and anti-spyware software is up to date.
  • Don’t open emails from people you don’t know, even if your name is in the reference line.
  • Don’t shop on unprotected wireless networks. Enjoy your coffee at the coffee shop, but do your shopping at home.
  • Use complex passwords and change them regularly.
  • Know the signs of identity theft.
  • Keep your Social Security Card and number locked up.
  • Keep your laptop or tablet locked in the trunk.
  • Keep receipts in your purse or wallet, not in the bag.

Identity Theft insurance

Identity Theft Protection assists with the costs of restoring and repairing a consumer’s identity and credit history. Identity theft insurance coverage usually covers assistance in straightening out the aftermath of identity theft (such as canceling unauthorized accounts and so forth), which is generally easy when the fraud involves credit cards, but can be more time-consuming for accounts at banks and other institutions.

Give us a call so we can provide you with options.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 Make Your House Safe Trick-Or-Treaters

 Halloween is fast approaching. All kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar.

A little pre-planning can prevent unfortunate accidents that could turn out to be tragic for kids and trying for you. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Pets first. Dogs, cats, and other furry family companions get scared when oddly dressed strangers approach their door in droves. Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing offsite location for the evening.

 

Clean up your yard. If your yard gathers stuff – like toys, rakes and other yard tools, hoses, tree branches, you name it – take the time to clean it up. Make sure your yard is free of potential hazards and create a clutter-free walking path well before dusk falls this Halloween.

Are all your lights working? Make sure you offer a well-lit path.

Candles. Candlelit pumpkins should be placed on a sturdy table.

Turn it off. When you’re done for the night, make it obvious by turning any and all inviting lights off.

Decorations. Don’t go overboard with decorations, they can cause fires and injuries.

Safety tips for kids

  • Never, ever go into a house
  • Go with friends
  • Costumes should be short enough to prevent children from tripping and falling
  • Young children should always be accompanied by an adult or an older, responsible child
  • Only go to homes with a porch light on
  • Plan costumes that are bright and reflective
  • Don’t eat homemade food
  • Look at all wrapped candy, if it has been opened toss it out
  • Use a flashlight

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Do You Love Your Valentine’s Gift? You May Want to Insure It.

jewellery-2043_640It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.

Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars.  In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.

 

Tips to keep valuables safe

  • Have your jewelry appraised by a qualified jewelry appraiser for insurance replacement purposes
  • Take pictures
  • Keep items in safe place
  • Take off while working outside

 

Our homeowners and renters insurance can provide many benefits including:

  • Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
  • Extended Replacement Cost – Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
  • Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
  • Identity Theft Protection – Pays for expenses you incur as a result of criminal identity theft.

 

Call us today.  We can provide you will the right combination of coverage, and price, followed up with outstanding service.

Check your Credit Cards for Purchase Protection. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

Stop Porch Pirates This Holiday Season

southern-1212509_1920.jpgStop Porch Pirates This Holiday Season

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. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

How To Stay Safe And Happy This Thanksgiving

happy-thanksgiving-1842909_640The Thanksgiving Holiday is filled with family, friends, shopping, eating and drinking. All these can be great but can also lead to increased chance of accident and injuries. During this season of thanks, we offer a few tips to keep you safe.

Thanksgiving Party Tips

  • Limit the use of alcohol.
  • Stand more than an arm’s length away from munchies, like a bowl of nuts or chips, while you chat so you’re not tempted to raise your hand to your mouth every few seconds.
  • Don’t try to lose pounds during the holidays, instead try to maintain your current weight.
  • Avoid fast-food places that emphasize red in their color schemes. Red stimulates your appetite.

Shopping Safety Tips

  • Always be aware of your surroundings.
  • Put your shopping bags in your trunk.
  • NEVER leave car doors unlocked or windows open.
  • ALWAYS park in lighted areas. Do NOT park in remote areas.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy.

Driving Safety

  • Never drink and drive.
  • Plan your route in advance and check traffic reports and weather conditions before you leave.
  • Be prepared for emergencies – keep a blanket, boots, an extra pair of gloves and a flashlight in the trunk of your car.
  • Long trips are tiring and fatigue can be deadly when you’re driving. Driver fatigue was a factor in 65 road deaths and nearly 1200 injuries last year. Plan to get enough rest beforehand so that you drive fresh.
  • Have roadside assistance contact information on hand, in case an incident occurs on the road.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees

We wish all of you a Happy Thanksgiving, we appreciate your business.

Planning a Safe Family Vacation

holiday-389978_640Planning a Safe Family Vacation

We all want our family vacations to go perfectly, but even with the best intentions, things can happen.  Ticket mishaps, delays, schedule changes, auto accidents, and more can cause your vacation to be ruined. Your personal insurance program can be expanded to include travel and accident insurance. Call our office for a free review.

Vacation Pre-Planning

A little work in advance can help reduce the likelihood of bad things happening on your vacation.  Here are some things to consider before you leave home:

  • Make sure all your insurance is paid and up to date.  Having your auto insurance lapse due to non-payment would not be a good thing while you are driving to Disneyworld.
  • Do not take all your credit cards with you.  Take only the ones you will need.
  • Create an itinerary of where you are planning to be and on what date. Give this to a neighbor or relative.
  • Make copies of passports if traveling out of the country. Give a copy to a relative or friend.
  • Never wear anything that projects affluence (i.e. gold chains, expensive watches, rings, high-end luggage, or other paraphernalia).  It is best to leave your expensive jewelry at home.
  • Never put your home address on your luggage tags. Write your phone number instead.
  • Wait until you get home to post your vacation pictures on social media. Facebook is a goldmine for burglars.
  • Always lock your car, and never leave anything of value inside.
  • Do not use wireless networks in cafes or coffee shops.
  • Be aware of animals.  In some foreign countries, people will place a monkey on your shoulder and make you to pay to get it off!
  • You will need special auto insurance if you plan to drive into Mexico.
  • Separate your money so your spouse has a portion and you keep a portion.
  • Do you really want your first motorcycle ride to be in Mexico? Do not rent equipment or vehicles with which you are not familiar.

We offer commercial and personal insurance to ensure that you are protected from catastrophe.  Our staff is dedicated to providing all of our clients with complete coverage at the best rates our companies can offer.  Our years of experience and education allow us to guide our clients in making well-informed decisions regarding their insurance needs.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.