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.

Does Santa Claus Need Insurance?

santa-2933399_640Imagine that your entire business was focused on just one day out of the whole year?  You have to spend 364 days preparing for one single product distribution.  Do you think there might be just a little bit of stress—say around December 20?  If we attempted to present Santa with a business insurance proposal, he might say, “Who would sue Santa?”  If Santa were concerned about being sued, he might stop delivering gifts to attorney’s homes!

You might get that special gift this year, it could be a new car, art, jewelry, or even an ATV. If so, Santa suggests you call us to make sure it gets insured. Your homeowner’s insurance can be updated to reflects any new purchases.

Santa might be advised to consider an accident policy and a good health plan.  Here are some interesting facts about Christmas that you may not have known.

  • All letters addressed to Santa in the United States go to Santa Claus, Indiana.
  • It is estimated that the song “White Christmas” by Irving Berlin is the bestselling single in history with over 100 million copies sold.
  • Each year more than 3 billion Christmas cards are sent in the U.S. alone.
  • $447 billion and 12.9 billion hours…Money and Time Americans are expected to spend shopping, wrapping and returning gifts.
  • During the Christmas season, nearly 28 sets of LEGO are sold every second.
  • All the gifts in the Twelve Days of Christmas would equal 364 gifts.
  • Christmas trees have been sold in the U.S. since the year 1850.
  • There are approximately 21,000 Christmas tree farms in the United States.

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.

 

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.

 

Remember, Criminals Are Also Looking For Deals This Holiday

aqazxa

The Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are also out looking for ways to enhance their holiday take. While your personal insurance will most likely cover losses from theft, we thought it might be good to identify the most common holiday theft losses.

Now might be a good time to have us review your personal insurance. Stop in and have some coffee while we review your homeowner’s insurance coverage.

Theft From Vehicles

While you are in the store, criminals are in the parking lot looking for easy ways to get into your vehicle.  Keep all packages in the trunk; always lock your car, park close to the store, and in a well-lit area.

Home Burglaries

Home burglaries increase in December, due to people traveling and an increased number of easy targets.  When you leave your home, keep lights on, close your drapes, and never leave packages on your front porch.  Thieves will follow delivery trucks waiting for an opportunity to strike. Most online retailers send emails and text messages so purchasers know almost immediately when a package has been delivered.

Stolen Purses

When you are shopping, never leave your purse in the shopping cart, keep your purse closed, only take the credit cards you need, and leave other cards and documents at home.  Don’t carry a lot of cash and wait until asked to produce your credit card so a nearby thief can’t get your account information.

Identity Theft

Online shopping has become as big as direct shopping. Make sure to use secure websites and log off when completing any purchases.

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.