Shield Insurance Agency Blog

Welcome to the Shield Insurance Agency Blog. 

Here you will find a ton of articles on each of these topics: Auto Insurance, Boat/Watercraft Insurance, Business Insurance, Flood Insurance, Health Insurance, Home Insurance, Insurance, Life Insurance, Michigan Auto Insurance Reform, Recreational Insurance, Renters Insurance, RV Insurance, Things To Do At Home, Umbrella Insurance, and even a list of the Shield Agency Weekly Gift Card Winners,

If you have any suggestions for content, please drop us an email.

Business Interruption Insurance

What you need to know about Business Interruption Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency | Business Interruption Insurance | Start a quote today!

Business interruption insurance is a type of insurance that provides coverage for losses that a business may incur due to a temporary shutdown or interruption of its operations. This type of insurance is designed to help businesses recover from unexpected events that may cause them to lose revenue or incur additional expenses.

Insurance carriers offer business interruption insurance as part of their commercial insurance policies. This type of insurance is typically included in a package policy that also includes property insurance, liability insurance, and other types of coverage that businesses need to protect themselves from financial losses.

Business Interruption Insurance Key Features

One of the key features of business interruption insurance is the exclusion of losses that are not covered by the policy. Insurance carriers typically exclude losses that are caused by events that are beyond the control of the business, such as natural disasters, acts of terrorism, or war. These exclusions are designed to limit the liability of the insurance carrier and ensure that the policy is affordable for businesses.

However, it is important for businesses to understand the exclusions in their business interruption insurance policy and to make sure that they have adequate coverage for the risks that they face. For example, if a business is located in an area that is prone to natural disasters, such as hurricanes or earthquakes, it may need to purchase additional coverage to protect itself from these risks.

Another important factor to consider when purchasing business interruption insurance is the amount of coverage that is needed. Businesses should carefully evaluate their financial needs and determine how much coverage they need to protect themselves from losses that may occur due to an interruption of their operations.

Contact Shield Insurance at (616) 896-4600 to learn more about business interruption insurance and to get a quote for coverage. Our experienced agents can help you evaluate your risks and determine the right amount of coverage for your business.

In addition to business interruption insurance, Shield Insurance offers a wide range of commercial insurance products to help businesses protect themselves from financial losses. Our policies include property insurance, liability insurance, workers’ compensation insurance, and more.

We understand that every business is unique, and we work closely with our clients to develop customized insurance solutions that meet their specific needs. Whether you are a small business owner or a large corporation, we can help you find the right insurance coverage to protect your business and your bottom line.

At Shield Insurance, we are committed to providing our clients with the highest level of service and support. We are available to answer your questions, provide guidance, and help you navigate the complex world of commercial insurance.

If you are interested in learning more about business interruption insurance or any of our other commercial insurance products, please contact us at (616) 896-4600. We look forward to working with you to protect your business and your future.

Business interruption insurance is a type of insurance that provides coverage for losses that a business may incur due to a temporary shutdown or interruption of its operations. This type of insurance is designed to help businesses recover from unexpected events that may cause them to lose revenue or incur additional expenses.

Insurance carriers offer business interruption insurance as part of their commercial insurance policies. This type of insurance is typically included in a package policy that also includes property insurance, liability insurance, and other types of coverage that businesses need to protect themselves from financial losses.

One of the key features of business interruption insurance is the exclusion of losses that are not covered by the policy. Insurance carriers typically exclude losses that are caused by events that are beyond the control of the business, such as natural disasters, acts of terrorism, or war. These exclusions are designed to limit the liability of the insurance carrier and ensure that the policy is affordable for businesses.

However, it is important for businesses to understand the exclusions in their business interruption insurance policy and to make sure that they have adequate coverage for the risks that they face. For example, if a business is located in an area that is prone to natural disasters, such as hurricanes or earthquakes, it may need to purchase additional coverage to protect itself from these risks.

Another important factor to consider when purchasing business interruption insurance is the amount of coverage that is needed. Businesses should carefully evaluate their financial needs and determine how much coverage they need to protect themselves from losses that may occur due to an interruption of their operations.

Contact Shield Insurance at (616) 896-4600 to learn more about business interruption insurance and to get a quote for coverage. Our experienced agents can help you evaluate your risks and determine the right amount of coverage for your business.

In addition to business interruption insurance, Shield Insurance offers a wide range of commercial insurance products to help businesses protect themselves from financial losses. Our policies include property insurance, liability insurance, workers’ compensation insurance, and more.

We understand that every business is unique, and we work closely with our clients to develop customized insurance solutions that meet their specific needs. Whether you are a small business owner or a large corporation, we can help you find the right insurance coverage to protect your business and your bottom line.

At Shield Insurance, we are committed to providing our clients with the highest level of service and support. We are available to answer your questions, provide guidance, and help you navigate the complex world of commercial insurance.

If you are interested in learning more about business interruption insurance or any of our other commercial insurance products, please contact us at (616) 896-4600. We look forward to working with you to protect your business and your future.

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How to pick the right pet insurance for your pet

How to pick the right pet insurance for your pet

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | May 10 2023 | Pet Insurance | Start a Quote today!

As pet owners, we all want to ensure that our furry friends are healthy and happy. However, accidents and illnesses can happen, and veterinary bills can quickly add up. This is where pet insurance comes in. Pet insurance can help cover the cost of unexpected veterinary expenses, giving you peace of mind and ensuring that your pet receives the care they need. In this blog post, we will discuss the different types of pet insurance and how to pick the right insurance for your pet.

There are several types of pet insurance available, each with its own benefits and drawbacks. Here are the most common types of pet insurance:

1. Accident-Only Insurance: This type of insurance covers your pet in the event of an accident, such as a broken bone or a bite wound. It does not cover illnesses or routine care.

2. Time-Limited Insurance: This type of insurance covers your pet for a set period, usually 12 months, for both accidents and illnesses. After the policy expires, any conditions that your pet developed during that time will no longer be covered.

3. Maximum Benefit Insurance: This type of insurance covers your pet up to a certain amount, usually between $5,000 and $15,000. Once that limit is reached, the policy will no longer cover any further expenses.

4. Lifetime Insurance: This type of insurance covers your pet for its entire life, as long as you continue to pay the premiums. It usually has a higher premium than other types of insurance but provides the most comprehensive coverage.

Now that you know the different types of pet insurance, how do you pick the right one for your pet? Here are some factors to consider:

1. Your Pet’s Age and Breed: Some breeds are more prone to certain health conditions than others. For example, bulldogs are prone to respiratory problems, while German Shepherds are prone to hip dysplasia. If you have a purebred dog, it’s a good idea to research their breed’s common health issues and choose a policy that covers those conditions. Additionally, some policies may have age restrictions, so make sure to check if your pet is eligible.

2. Your Budget: Pet insurance premiums can vary widely depending on the type of policy and the coverage level. Consider how much you can afford to pay each month and how much you’re willing to pay out of pocket for veterinary expenses.

3. Coverage Limits: Make sure to read the policy carefully and understand what is covered and what is not. Some policies may have exclusions for pre-existing conditions or certain treatments. Additionally, some policies may have annual or lifetime coverage limits, so make sure to choose a policy that provides enough coverage for your pet’s needs.

4. Customer Service: When choosing a pet insurance provider, it’s important to consider their customer service. Look for a provider that has a good reputation for responding quickly to claims and providing excellent customer service.

5. Additional Benefits: Some pet insurance policies may offer additional benefits, such as coverage for alternative therapies or behavioral training. Consider whether these benefits are important to you and your pet.

If you’re looking for pet insurance, consider contacting Shield Insurance at (616) 896-4600. Shield Insurance offers a variety of pet insurance policies to fit your needs and budget. Their policies cover accidents, illnesses, and routine care. Additionally, Shield Insurance has a reputation for excellent customer service and quick claims processing.

In conclusion, pet insurance can provide peace of mind and financial protection for unexpected veterinary expenses. When choosing a policy, consider your pet’s age and breed, your budget, coverage limits, customer service, and additional benefits. Contact Shield Insurance at (616) 896-4600 to learn more about their pet insurance policies and find the right coverage for your furry friend.

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Rental Insurance

Do I Need Renter’s Insurance?

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Shield Insurance Agency Blog | Renter’s Insurance | Start A Quote Today!

At Shield Insurance Agency in Michigan, we hear the question, “Do I need renter’s insurance?” often. In most cases, the answer is yes, but it’s important to understand the details. Answering these questions can help you determine if you need renter’s insurance. 

First, let’s talk about the different types of rental insurance. The most common type is apartment insurance, which covers your personal belongings in case of theft, fire, or other damage. This type of insurance also includes renters liability insurance, which protects you if someone is injured in your apartment and sues you for damages. Another type of rental insurance is loss of use coverage, which pays for temporary housing if your apartment becomes uninhabitable due to a covered event.

 

Does Your Landlord Require Renter’s Insurance? 

Some landlords require their tenants to have renter’s insurance. This provides protection for you, as well as potential liability protection for the landlord. 

If your landlord doesn’t require a renter’s policy as part of your rental agreement, it’s still a good idea. 

Can You Afford to Replace Your Belongings? 

You may think that you don’t have any valuables. However, even inexpensive items can add up quickly. Consider your furniture, clothing, and any important items like jewelry or electronics. 

What would happen if your personal property was damaged? Do you have the financial resources to replace your items? If you can’t afford to repurchase these items, a renter’s policy is important. 

Can You Afford a Hotel and Living Expenses? 

Most renter’s policies will cover accommodations and living expenses if you have to leave your home due to a covered event.  If you are concerned that you don’t have the emergency funds to cover this situation, a renter’s policy can provide needed peace of mind. 

Do You Need Liability Protection with Renter’s Insurance

If someone is injured in your home or their property is damaged, you can be liable for the damages. This can put a strain on you financially and even jeopardize your future. 

A renter’s policy provides coverage if you have you are held responsible for a liability claim. 

Reach Out To Us

If you need renter’s insurance in Michigan, contact Shield Insurance Agency. We offer renter’s insurance policies, as well as homeowners, auto insurance, and more to meet all your insurance needs. 

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6 Factors to Consider When Choosing Small Business Insurance

6 Factors to Consider When Choosing Small Business Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | May 10, 2023 | Small Business Insurance | Begin a quote today!

As a small business owner, you know that running a business comes with a certain level of risk. Whether you’re just starting out or have been in business for years, it’s important to protect your business with the right insurance coverage. But with so many options available, how do you choose the right insurance for your business? In this blog post, we’ll discuss six factors to consider when choosing small business insurance.

1. Your Risk Levels

The first factor to consider when choosing small business insurance is your risk levels. Every business is different, and the risks associated with each business will vary. For example, a construction company will have different risks than a retail store. It’s important to assess your business’s risks and choose insurance coverage that will protect you in the event of a loss.

2. Professional Guidance

Choosing the right insurance coverage can be overwhelming, especially if you’re not familiar with the different types of coverage available. That’s why it’s important to seek professional guidance when choosing small business insurance. An insurance agent can help you assess your risks and recommend the right coverage for your business.

3. Employment Insurance Laws

Employment insurance laws vary by state, so it’s important to understand the requirements in your state. For example, in some states, businesses are required to carry workers’ compensation insurance, while in others, it’s optional. Make sure you understand the employment insurance laws in your state and choose coverage that meets those requirements.

4. Insurance Provider Accessibility

When choosing small business insurance, it’s important to consider the accessibility of the insurance provider. You want to choose an insurance provider that is easy to work with and responsive to your needs. Look for an insurance provider that offers online access to your policy information and has a customer service team that is available to answer your questions.

5. Premium Costs

Of course, cost is a factor when choosing small business insurance. You want to choose coverage that is affordable, but you also want to make sure you’re getting the coverage you need. When comparing insurance providers, make sure you’re comparing apples to apples. Look at the coverage limits and deductibles to make sure you’re getting a fair comparison.

6. Geographical Coverage Region

Finally, it’s important to consider the geographical coverage region when choosing small business insurance. If your business operates in multiple states, you’ll need coverage that extends to all of those states. Make sure you choose an insurance provider that offers coverage in the regions where you do business.

Choosing the right insurance coverage for your small business can be overwhelming, but it’s an important decision that shouldn’t be taken lightly. At Shield Insurance, we understand the unique risks associated with small businesses and can help you choose the right coverage to protect your business. Contact us today at (616) 896-4600 to learn more about our small business insurance options.

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Five Parts of an Insurance Policy

Five Parts of an Insurance Policy

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Shield Insurance Agency Blog | May 19, 2023 | Insurance | Start a quote today!

Insurance policies can be complex and confusing, but understanding the different parts of a policy is essential to ensure that you have the right coverage for your needs. In this blog post, we will discuss the five parts of an insurance policy: premium, deductible, policy limits, exclusions, and riders.

1. Premium: The premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis and is based on several factors, including your age, location, and the type of coverage you need. The premium is the cost of your insurance policy, and it is important to choose a premium that fits your budget.

2. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your car is damaged in an accident that costs $1,000 to repair, you will pay $500, and your insurance company will pay the remaining $500. Choosing a higher deductible can lower your premium, but it also means you will pay more out of pocket if you need to file a claim.

3. Policy Limits: Policy limits are the maximum amount your insurance company will pay for a covered loss. For example, if you have a $100,000 policy limit for liability coverage and you are sued for $150,000, you will be responsible for paying the remaining $50,000. It is important to choose policy limits that are high enough to protect your assets in the event of a lawsuit.

4. Exclusions: Exclusions are specific situations or events that are not covered by your insurance policy. For example, if you have a homeowner’s insurance policy that excludes flood damage, you will not be covered if your home is damaged by a flood. It is important to read your policy carefully to understand what is and is not covered.

5. Riders – Additional coverage and options: Riders are additional coverage options that you can add to your insurance policy. For example, if you have a homeowner’s insurance policy that does not cover earthquake damage, you can add an earthquake rider to your policy for an additional cost. Riders can provide additional protection for specific situations that are not covered by your standard policy.

Does Your Insurance Meet Your Needs?

Understanding the different parts of an insurance policy is essential to ensure that you have the right coverage for your needs. It is important to review your policy regularly and make changes as needed to ensure that your coverage meets your current needs. If you have questions about your insurance policy or need help choosing the right coverage, contact your insurance agent for assistance.

At Shield Insurance Agency, we are committed to helping our clients find the right insurance coverage for their needs. Our experienced agents can help you understand the different parts of your insurance policy and make sure that you have the coverage you need to protect your assets and your family. Contact us today to learn more about our insurance products and services.

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A Mom Posted to Find Friends for 24-yo Son with Down Syndrome–the Flood of Support Shocked Her

A Mom Posted to Find Friends for 24-yo Son with Down Syndrome

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A Mom Posted to Find Friends for 24-yo Son with Down Syndrome –the Flood of Support Shocked Her

GoodNewsNetwork | May 8, 2023 | By Andy Corbley | Down Syndrome | Health Insurance | Start A Quote Today!

Christian Bowers has Down Syndrome but likes to do normal guy stuff like go bowling and play video games.

Making friends was never hard for the young man, now 24, until he finished school and found, as many people without Down Syndrome do for that matter, it’s not as easy and straightforward to maintain a social life.

Bowers’ mother, Donna Herter, watched her son sink further and further into the dumps because he didn’t have any friends to visit him.

Eventually, Herter put up a post on Facebook asking if any local guys near Rochester, Minnesota, would be interested in coming to hang out with Christian for two hours, a service for which she was willing to offer $80,00 in compensation.

A nurse on the night shift put the post up at 4:00 AM before ending her workday and going to sleep. When she woke up, it had amassed 5,000 comments.

“I was freaking out. My hands were shaking, I was sweating. I was just looking for some local guys, I didn’t want to invite like the entire world into our house,” she told CBS News.

Her friends encouraged her to calm down and take a closer look at the comments, in which she found parents offering suggestions and others volunteering to help.

She eventually found 7 fellows from Wentzville, Minnesota, who visit Christian once a week on a rotating schedule. Herter says her son goes to sleep with a smile on his face now, and is excited about life in general, and of the future as well.

Friendships are important for people born with Down Syndrome, and associations urge parents to plan for the eventuality of their child exiting school and needing to take a more precise attitude towards socializing.

Christian occasionally attends gatherings and groups of other special needs men and women his age, but craves friendship with the rest of the population as well.

“And I’ve never asked him, but I assume because it kind of makes him feel normal, just for an hour or two. ‘Hey, somebody who doesn’t have Down syndrome wants to hang out with me,’” she said.

One of the 7 friends, James Hasting, said he felt terrible that Herter had reached the point where she was trying to pay people to visit her son. Hasting, who volunteers with special needs folks, said hanging out just for a few hours to watch a movie or play video games with Christian has changed the way he looks at the world.

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Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Moose Walks in Alaska Hospital For Lunch – Or Maybe to Get a PET Scan

Posted on by Shield Insurance Agency

GoodNewsNetwork.org | By Andy Corbley | Moose | Apr 11, 2023 | Pet Insurance | Start A Quote Here

In Alaska, amazing animals, even the moose, are simply part of the scenery—even, as it turns out, in the hospital.

Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Its hooves were no impediment to the motion-activated door, and soon, the security staff had to get on the intercom to warn visitors, patients, and staff that a moose was on the loose.

However the announcement served mostly to draw people in to see the moose, which wasn’t the first to ever enter the building, nor has it only been members of the deer family. Providence has also had bears try to enter their facilities.

Security managed to corral the animal before it could damage anything beyond the plants.

“Finally, I think it had enough of everybody watching him, watching him eat,” said Randy Hughes, the hospital’s director of security.

WATCH the final stages of the moose appointment…

Alaska Problems!

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The Most Fuel-Efficient Cars: How to Find the Right One

The Most Fuel-Efficient Cars: How to Find the Right One

Posted on by Shield Insurance Agency

Nationwide Blog | December 12, 2022 | Fuel-Efficient Cars| Auto Insurance | Start A Quote Today!

As automotive technology continues to evolve, consumers have a variety of fuel-efficient cars to choose from when it’s time to start shopping.

Today, many larger vehicles are included among the lists of cars that get improved mileage from Fuel-Efficient Cars. [1] As innovations continue, you no longer have to choose between the car that gets the best mileage and the one that can carry your family comfortably on vacation.

The effect of hybrid innovation on the automotive landscape is something to note, as evidenced by the cars that rank high in mileage. Hybrid options provide great fuel efficiency, and there’s a wide selection of models.

Factoring the costs of fuel, along with maintenance and repair, can give you a better idea of the actual long-term expense of owning the car instead of basing your decision only on the sticker price. [2]

Benefits of fuel-efficient cars

Fuel-efficient vehicles save on fuel costs and time spent filling up. Advanced technologies such as plug-in hybrids and pure electrics have pushed efficiency even further. Fuel-efficient cars can save you money, no matter what size you are looking for, and they’re a smart hedge against the inevitable rise in fuel prices.

Are fuel-efficient cars better for the environment?

Less fuel consumption of a car means fewer toxic emissions from the exhaust, so we have cleaner air to breathe. Fuel-efficient cars help in reducing pollution and smog by at least 50%. By switching to a hybrid car or one that doesn’t require much fuel, we are also reducing our dependency on fossil fuels. [3]

Cars with the Best Gas Mileage

Fuel economy is a key factor in operating costs for vehicles. A small difference in the overall miles-per-gallon rating can add up to big savings over years of ownership. In order to properly decide which car is best based on gas mileage, you should review several lists from reputable sources before making any decisions.

Here are a few helpful links to streamline your search for fuel-efficient cars:

Choosing the right vehicle can be difficult. But protecting your car and home is easy with Nationwide. Get a free auto insurance quote online or contact an independent agent today to see how you can save by bundling your insurance.

Sources:

[1]  “13 Most Fuel-Efficient SUVs in 2022,” cars.usnews.com/cars-trucks/advice/suvs-best-gas-mileage (accessed Nov. 17, 2022).

[2] “ What Is the Total Cost of Owning a Car?,” nerdwallet.com/article/loans/auto-loans/total-cost-owning-car (accessed Nov. 17, 2022).

[3] “Environmental Benefits of Fuel-Efficient Cars That All Should Know,” matteroftrust.org/environmental-benefits-of-fuel-efficient-cars-that-all-should-know (accessed Sept. 1, 2022).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency

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Hybrid or Electric? Pros and Cons of Alternative Fuel Vehicles

Hybrid or Electric? Pros and Cons of Alternative Fuel Vehicles

Posted on by Shield Insurance Agency

Nationwide | December 12, 2022 | Hybrid | Auto Insurance | Start A Quote Today

More hybrid and electric vehicles are taking to the roads. Can you tell the difference between them? Each has advantages and disadvantages based on the purchase price, cost of ownership, maintenance, and power. If you’re considering an alternative to the internal combustion engine, the info below may help you understand the pros and cons of hybrid and electric vehicles (EVs).

What is a hybrid car?

A hybrid car is a vehicle that uses two or more distinct power sources to move, such as gasoline engines and electric motors.

Pros and Cons of Hybrid Cars

Pros of Hybrid CarsCons of Hybrid Cars
Fuel-efficiency 
According to the U.S. Department of Energy, a plug-in hybrid electric vehicle typically uses 30 to 60% less fuel than traditional automobiles. [1] Fewer trips to the pump can save you a significant amount of money over time, especially if you have a long commute.
Less greenhouse emissions from the vehicle 
Hybrids that plugin generally produce less greenhouse emissions than gas-only vehicles. However, the type of power plant in your area is also a part of the larger greenhouse gas emissions equation. Recharging a vehicle requires electricity, and the source and cleanliness of that electricity may differ greatly. [1]
Tax breaks 
Various income tax credit programs motivate drivers to buy hybrid cars. [1a] Other incentives may include vehicle registration savings, discounts on excise taxes, and extra income tax rebates.


Higher purchase cost 
While you may save on gas, the initial cost of a hybrid is generally higher than a traditional gas-only vehicle. [2]
Expensive maintenance 
Hybrids are generally more costly to repair because of complex dual combustion systems. Not all repair shops have the proper equipment; services may have to be performed by the manufacturer. [2]
Less power 
Hybrids’ smaller internal combustion engines and lighter weight help maximize efficiency but can reduce acceleration. [2]
Gasoline is required 
Depending on the type of hybrid you purchase, only some can travel long distances without refueling. [3] Some may perceive this as a disadvantage vs the alternative full-electric vehicles.

What is an electric car?

An electric vehicle has a battery as its power source, as opposed to a gas tank. And the battery powers an electric motor, not an internal combustion engine, as in a traditional vehicle.

Pros and Cons of Electric Cars

Pros of Electric CarsCons of Electric Cars
Energy efficient 
According to the U.S. Department of Energy, electric vehicles typically convert 77% of the electrical energy from the grid to power the wheels, compared to conventional gas vehicles, which typically convert 12% to 30% of the energy stored in gasoline to power at the wheels. [4]
Less maintenance 
Electric motors have fewer moving parts than internal combustion engines, so they’re often easier to maintain. They also don’t require oil, so no more oil changes. And brakes wear much slower thanks to regenerative braking systems. [5]
Direct Emissions 
With no exhaust system, electric cars typically have zero emissions. Their rechargeable batteries are also almost 100% recyclable. However, recharging a plug-in electric vehicle requires electricity, and the source and cleanliness of that electricity may differ greatly. [1]

Shorter driving distance and fewer charging locations
The range of EVs has improved greatly, but it’s still generally lower than gas-powered vehicles with larger tanks. And with fewer charging locations, it can be more difficult to plan a longer trip.
Long recharge time
Recharge time and how much of a charge a vehicle needs depends on a number of variables. But several hours can be needed to fully recharge an EV compared to filling up at the gas pump in a few minutes.
Anxiety 
Due to the limited range and shortage of recharging stations, you may be constantly concerned about running out of power.
Expensive battery
The cost of a typical battery replacement could reach $10,000 or more, which is on par with a gas engine in traditional cars. [6]

In choosing the right vehicle, consider budget, passenger load, and geographic location. Whatever type of car you choose, ensure you have the right car insurance to help protect yourself and your car. Have peace of mind while you’re on the road and get a free car insurance quote today.

Sources:

[1] “Plug-in Hybrids,” fueleconomy.gov/feg/phevtech.shtml (accessed Sept. 19, 2022).

[1a] “Federal Tax Credits for New All-Electric and Plug-in Hybrid Vehicles,“ fueleconomy.gov/feg/taxevb.shtml (accessed Nov. 23, 2022).

[2] “What Are The Disadvantages Of A Hybrid Car?,” jdpower.com/cars/shopping-guides/what-are-the-disadvantages-of-a-hybrid-car (accessed Nov. 23, 2022).

[3] “Hybrid vs. Electric Cars: Advantages and Disadvantages,” evcharging.enelx.com/resources/blog/741-hybrid-vs-electric-cars-advantages-and-disadvantages (April 20, 2021).

[4] “All-Electric Vehicles,” fueleconomy.gov/feg/evtech.shtml (accessed on Sept. 9, 2022).

[5] “Maintenance and Safety of Electric Vehicles,” afdc.energy.gov/vehicles/electric_maintenance.html (accessed Nov. 23, 2022).

[6] “How Much Do EV Batteries Cost?” autoweek.com/news/a38658350/how-much-do-ev-batteries-cost (July 1, 2022).

Disclaimer:
The information included here is designed for informational purposes only. It is not legal, tax, financial, or any other advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency.

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Fireplace Safety Tips

Fireplace Safety Tips

Posted on by Shield Insurance Agency

Foremost Blog | August 26, 2021 | Fireplace Safety | Home Insurance | Start a quote today!

As the weather gets colder and your fireplace becomes more than a decorative focal point, be sure it’s up for the task of keeping your family warm and toasty – and safe. Our list will help you keep track of proper maintenance and make sure your fireplace is ready for regular use this winter.

Inspect the fireplace and chimney

Have a professional inspect and clean your fireplace and chimney each year before you begin using it for the season. If you’re using a gas or wood fireplace, open the chimney flue prior to starting the fire to let fresh air feed the flames and allow smoke to exit. Close the flue once the fire is put out.

It’s also important to keep the area surrounding the fireplace free from flammable objects. Be extra cautious of this during the holidays. Keep decorations and stockings a safe distance away from a fire and don’t ever use your fireplace to burn Christmas trees or wrapping paper. Pine boughs and paper burn intensely and can lead to a roof or chimney fire.

Gas fireplace safety tips

Gas fireplaces are exceedingly popular for their efficiency and cleaner burning properties. Enjoy them safely by acknowledging the following safety conditions:

Know your clearance zone. Many gas fireplaces have technology that makes it safe to place electronics and décor near the fireplace or on the mantle. However, certain items should never be placed within your fireplace’s clearance zone. These items include paper items like books, newspapers, and magazines; fabrics, like blankets or drapes; and wood.

Proper ventilation is key. Natural gas and carbon monoxide can kill. Make sure your flue and vents are all functioning properly.

Maintain your safety barrier. Whether it’s glass or metal, keep your safety screen in excellent condition. This will prevent flames or burning material from getting out of your fireplace, and keep flammable items from getting in.

Electric fireplace safety tips

Electric fireplaces make it possible to have a fireplace in a location that wouldn’t normally be able to fit one. The flame isn’t real, but that doesn’t mean they are without risk. As a source of heat, an electric fireplace should always be treated with care. In addition to maintaining the clearance zone discussed above, observe the following safety tips when using an electric fireplace.

Use proper cords. Many companies do not recommend using extension cords for electric fireplaces. Some will allow grounded, heavy-duty cords that are the appropriate gauge and wattage rating. Make sure to follow your manufacturer’s specific guidelines to ensure your safety.

Plug into an appropriate socket. An electric fireplace is essentially a forced air heater, and it is subject to the restrictions of a standard household socket, wiring, and fuse box. Be sure not to draw more power from your socket than it can handle, or else you run the risk of starting a real fire.

Wood fireplace safety tips

Replaced by more efficient, cleaner, and safer options, wood fireplaces are less popular than they have been in the past. However, it’s difficult to deny the ambiance of a crackling fire with real burning wood.

Consider what type of fire you want so that you can select the right type of wood. If the fire is more for aesthetics, lighter wood or a synthetic log are good choices. If your fireplace is being used for heat, oak or ash may be a better fit, since they’re heavier and burn hotter.

  • Avoid using wood from recently cut trees. They contain high levels of moisture, which can lead to more smoke and deposits forming inside the chimney.
  • Synthetic logs can burn unevenly, so be careful when using them. Even though they’re not real wood, the flue should still be open for proper ventilation as they still produce carbon monoxide.
  • Wood should be seasoned and dry – appear darker, have cracks at the ends, and will sound hollow when hit against another piece of wood.
  • Have a metal container handy when removing and storing hot ashes. Store it outside at a safe distance from your home, since embers and ashes can stay hot for a while.
  • Start your fire with newspaper, dry kindling, or organic fire starters. Never use gasoline, kerosene or charcoal starter.
  • Use a stainless steel liner to help keep the fire and ashes contained.
  • Install heat-proof glass doors to keep live embers from escaping the fireplace.
  • Look for signs of creosote and soot buildup. Creosote is a dark substance that can accumulate if the wood isn’t burning completely. It’s a highly flammable fuel and can burn at about 2000°F. Soot, which can also be flammable, is softer than creosote. Both should be cleaned out of the chimney regularly.

With these fireplace tips, you can help ensure that a cozy fire will be a safe and welcome addition to a chilly winter season.

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