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Business Owners: The Surprising Ways BOP and General Liability Differ

Business Owners: The Surprising Ways BOP and General Liability Differ

Posted on by Shield Insurance Agency

Shield Insurance Blog | Business Owners | Business Insurance | Start A Quote Today!

How is a Business Owners Policy (BOP) Different from General Liability?

When it comes to protecting your business, insurance is a must. However, with so many different types of insurance policies available, it can be confusing to determine which one is right for you. Business owners often consider two common types of insurance: a Business Owners’ Policy (BOP) and General Liability insurance. While they may seem similar, there are some key differences between the two. In this blog post, we will explore how a BOP differs from general liability and help you understand which one may be the best fit for your business.

What is a Business Owners Policy (BOP)?

A Business Owners Policy, or BOP, is a comprehensive insurance package for small to medium-sized businesses. It combines several types of coverage into one policy, providing a convenient and cost-effective solution for business owners. A BOP typically includes property, liability, and business interruption insurance.

What Does a BOP Cover?

A BOP provides coverage for a wide range of risks that businesses commonly face. Here are some of the key coverages included in a typical BOP:

1. Property Insurance: This coverage protects your business property, including buildings, equipment, inventory, and furniture, against damage or loss caused by fire, theft, vandalism, or other covered perils.

2. Liability Insurance: Liability insurance protects your business from claims of bodily injury or property damage caused by your products, services, or operations. It also covers legal fees and settlements if you are sued.

3. Business Interruption Insurance: If your business is forced to temporarily close due to a covered event, such as a fire or natural disaster, business interruption insurance can help cover lost income and ongoing expenses, such as rent and payroll.

What Isn’t Covered by a Business Owners Policy?

While a BOP provides comprehensive coverage, there are some risks that are typically not covered. These may include:

  • Professional Liability: If your business provides professional services, such as consulting or advice, you may need a separate professional liability insurance policy to protect against claims of negligence or errors.
  • Workers’ Compensation: If you have employees, you are required by law to carry workers’ compensation insurance, which provides coverage for medical expenses and lost wages if an employee is injured on the job.
  • Auto Insurance: If your business owns vehicles or if employees use their personal vehicles for business purposes, you will need a separate commercial auto insurance policy to cover accidents and liability.

What Other Types of Coverages Are Needed?

In addition to a BOP, there are several other types of insurance coverage that may be necessary depending on the nature of your business. These may include:

  • Professional Liability Insurance: This coverage is essential for businesses that provide professional services, such as doctors, lawyers, or architects. It protects against claims of negligence, errors, or omissions.
  • Cyber Liability Insurance: In today’s digital age, businesses are increasingly vulnerable to cyber threats. Cyber liability insurance provides coverage for data breaches, cyberattacks, and other cyber-related risks.
  • Employment Practices Liability Insurance: This coverage protects your business against claims of wrongful termination, discrimination, harassment, or other employment-related issues.

Do You Need a Business Owners Policy?

Whether or not you need a BOP depends on the size and nature of your business. If you are a small to medium-sized business owner, a BOP can provide comprehensive coverage at an affordable price. It offers convenience by combining multiple coverages into one policy, saving you time and money. However, if your business has unique risks or requires specialized coverage, you may need additional policies to ensure adequate protection.

What Types of Businesses Are Eligible for a Business Owners Policy?

A BOP is typically designed for small to medium-sized businesses that operate in low-risk industries. Some examples of eligible businesses include retail stores, restaurants, offices, and small manufacturing operations. However, eligibility requirements may vary depending on the insurance company, so it’s best to consult with an insurance agent to determine if your business qualifies for a BOP.

What Does a Business Owners Policy Cost?

The cost of a BOP depends on several factors, including the size of your business, the industry you operate in, and the coverage limits you choose. On average, a BOP can cost anywhere from a few hundred dollars to several thousand dollars per year. To get an accurate quote for your business, it’s best to contact an insurance agent who can assess your specific needs and provide you with a customized quote.
In conclusion, a business owner’s policy (BOP) and general liability insurance are two different types of coverage that offer varying levels of protection for your business. While a BOP provides comprehensive coverage for property, liability, and income, general liability insurance specifically covers claims of bodily injury, property damage, and personal injury.

It’s important to assess your business’s specific needs and consult with an insurance agent to determine the appropriate coverages for your situation. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote tailored to your business’s needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with.

Know Your Insurance Terms for Peace of Mind

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Insurance Terms | Start a Quote Today!

Insurance is an essential aspect of our lives, providing us with the necessary protection and peace of mind. However, navigating the world of insurance can be overwhelming, especially with the numerous terms and jargon often used. To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with. Whether you are a seasoned policyholder or a newcomer to the world of insurance, this list will serve as a valuable resource.

Insurance Terms

1. Premium: The amount of money you pay to the insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually, depending on the policy.

2. Deductible: The amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $1,000, you will pay the first $500, and the insurance company will cover the remaining $500.

3. Policy: A contract between you and the insurance company that outlines the terms and conditions of your coverage. It specifies what is covered, the limits of coverage, and any exclusions or conditions.

4. Coverage: The protection provided by an insurance policy. It can include various types, such as auto, home, health, life, and more.

5. Liability: The legal responsibility for any damages or injuries caused to others. Liability coverage is designed to protect you in case you are held responsible for an accident or injury.

6. Claim: A formal request made by the policyholder to the insurance company for compensation or reimbursement for a covered loss or damage.

7. Underwriting: The process of evaluating an applicant’s risk and determining the terms and conditions of their insurance policy. It involves assessing factors such as age, health, driving record, and more.

8. Exclusion: Specific situations or conditions that are not covered by an insurance policy. It is important to review your policy carefully to understand what is excluded from coverage.

9. Rider: An additional provision or amendment to an insurance policy that modifies or expands the coverage. Riders are often used to add specific coverage options or increase policy limits.

10. Agent: A licensed professional who represents an insurance company and helps individuals or businesses find the right insurance coverage. They can provide guidance, answer questions, and assist with the claims process.

11. Insured: The person or entity covered by an insurance policy. This can be an individual, a family, or a business.

12. Loss: The reduction in value or damage to property or assets covered by an insurance policy. It can be due to theft, accident, natural disaster, or other covered events.

13. No-claims bonus: A discount or reward given by insurance companies to policyholders who do not file any claims during a specific period. It encourages safe driving and responsible behavior.

14. Comprehensive coverage: An insurance policy that provides protection against a wide range of risks and perils, including theft, vandalism, fire, and natural disasters.

15. Grace period: The additional time given to policyholders to pay their premium after the due date without incurring a penalty or losing coverage.

16. Subrogation: The process by which an insurance company seeks reimbursement from a third party who is responsible for the loss or damage covered by the policy. It allows the insurance company to recover the amount paid to the policyholder.

17. Actuary: A professional who uses statistical data and mathematical models to assess risk and determine insurance premiums. They play a crucial role in pricing policies and ensuring the financial stability of insurance companies.

18. Umbrella policy: An additional liability insurance policy that provides coverage beyond the limits of your primary policies. It offers an extra layer of protection against high-cost claims or lawsuits.

19. Depreciation: The decrease in the value of an asset over time due to wear and tear or obsolescence. Insurance policies often take depreciation into account when determining the amount of compensation for a covered loss.

20. Endorsement: A written amendment or addition to an insurance policy that changes the terms or coverage. It can be used to add or remove coverage options, increase or decrease policy limits, or modify other policy provisions.

Understanding these insurance terms will empower you to make informed decisions when it comes to protecting yourself, your family, and your assets. Remember, insurance is not just a financial product; it is a shield that safeguards your future. If you have any questions or need assistance in finding the right insurance coverage, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. You can also start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay protected and enjoy peace of mind with comprehensive insurance coverage.

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Insurance 101 for Beginners

Insurance 101 for Beginners

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Shield Insurance Blog | Insurance | Start a Quote Today!

What do I need to Know About Insurance?

Insurance is a crucial aspect of our lives that provides financial protection and peace of mind. Whether it’s car insurance, homeowners insurance, or any other type of insurance, understanding the basics is essential. In this blog post, we will explore the fundamental concepts of insurance, different types of insurance, and why it is important to have the right coverage.

Insurance is a contract between an individual or business and an insurance company. The individual or business pays a premium, and in return, the insurance company agrees to provide financial protection in the event of a covered loss. The purpose of insurance is to transfer the risk of potential financial loss from the insured to the insurance company.

Basic Terms and Definitions

To understand insurance better, it is essential to familiarize yourself with some basic terms and definitions. Here are a few key terms:

  • Premium: The amount of money paid to the insurance company for coverage.
  • Deductible: The amount the insured must pay out of pocket before the insurance company starts covering the loss.
  • Policy: The contract that outlines the terms and conditions of the insurance coverage.
  • Coverage: The specific protection provided by the insurance policy.
  • Claim: A request made by the insured to the insurance company for compensation for a covered loss.

Car Insurance for Beginners

Car insurance is one of the most common types of insurance that people need. It provides financial protection in case of accidents, theft, or damage to your vehicle. Here are a few things to consider when getting car insurance:

  • Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident.
  • Collision Coverage: This coverage pays for damages to your vehicle in case of a collision.
  • Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft or natural disasters.

Renters and Homeowners Coverage for Beginners

If you rent or own a home, it is crucial to have renters or homeowners insurance to protect your belongings and property. Here are a few key points to consider:

  • Renters Insurance: This type of insurance provides coverage for your personal belongings in case of theft, fire, or other covered events. It also provides liability coverage in case someone gets injured in your rented property.
  • Homeowners Insurance: This insurance covers your home and belongings against damage or loss caused by covered events. It also provides liability coverage and additional living expenses if your home becomes uninhabitable.

What other types of Insurance are there?

Apart from car insurance and homeowners/renters insurance, there are several other types of insurance that you may need depending on your circumstances. Some common types include:

  • Health Insurance: This insurance provides coverage for medical expenses and can help protect you from high healthcare costs.
  • Life Insurance: Life insurance provides financial protection to your loved ones in case of your death. It can help cover funeral expenses, pay off debts, and provide income replacement.
  • Disability Insurance: This insurance provides income replacement if you become disabled and are unable to work.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of your other insurance policies. It can protect you from large lawsuits and claims.

Protection, Family, and Shield Agency

Insurance is all about protection, especially when it comes to your family and assets. Shield Insurance Agency understands the importance of having the right coverage and represents over 40 insurance companies to provide you with the best options. Whether you need car insurance, homeowners insurance, or any other type of insurance, Shield Insurance Agency can help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t wait until it’s too late – protect yourself and your loved ones with the right insurance coverage.

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Important details about Home Insurance

Home Insurance and Important Details about Your Home Insurance

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Shield Insurance Blog | Home Insurance | Start A Quote Today!

Home insurance is a type of insurance that provides financial protection for homeowners and their property. It is designed to cover the costs of repairing or replacing a home and its contents in the event of damage or loss caused by various perils. Home insurance also provides liability coverage, which protects homeowners in the event that someone is injured on their property and files a lawsuit.

Types of Home Insurance

There are several types of home insurance policies available, each offering different levels of coverage. The most common types of home insurance policies include:

  • Homeowners’ Insurance: This type of insurance is designed for homeowners who live in their own homes. It provides coverage for the structure of the home, as well as personal property and liability protection.
  • Condos/Strata Insurance: This type of insurance is specifically designed for condominium owners. It provides coverage for the interior of the unit, personal property, and liability protection.
  • Tenant/Renter’s Insurance: This type of insurance is for individuals who rent their homes. It provides coverage for personal property and liability protection but does not cover the structure of the home.
  • Seasonal/Secondary Residences: This type of insurance is for homes that are not occupied year-round, such as vacation homes or second homes. It provides coverage for the structure of the home, personal property, and liability protection.
  • Heritage Homes: This type of insurance is for homes that are designated as heritage properties. It provides coverage for the unique features and historical value of the home, as well as personal property and liability protection.
  • Short-Term Rentals: This type of insurance is for homeowners who rent out their homes on a short-term basis, such as through platforms like Airbnb. It provides coverage for the structure of the home, personal property, and liability protection.

Levels of Home Insurance Coverage

Within each type of home insurance policy, there are different levels of coverage available. The levels of coverage determine the amount of protection provided and the cost of the insurance premium. The most common levels of home insurance coverage include:

  • Basic Coverage: This level of coverage provides protection for the structure of the home and limited coverage for personal property and liability.
  • Broad Coverage: This level of coverage provides more comprehensive protection for the structure of the home, personal property, and liability.
  • Comprehensive Coverage: This level of coverage provides the highest level of protection for the structure of the home, personal property, and liability. It typically includes additional coverage for perils such as water damage, earthquakes, and sewer backups.

Understanding the Perils of Home Insurance

Perils are events or circumstances that can cause damage or loss to a home or its contents. Common perils covered by home insurance include fire, theft, vandalism, and natural disasters such as hurricanes or tornadoes. It is important to review the specific perils covered by a home insurance policy to ensure that it provides adequate protection for your needs.

Personal Property Coverage

Personal property coverage is a key component of home insurance. It provides protection for the contents of a home, such as furniture, appliances, electronics, and clothing. In the event of damage or loss, personal property coverage will reimburse homeowners for the cost of repairing or replacing their belongings.

Personal Liability Coverage

Personal liability coverage is another important aspect of home insurance. It provides protection in the event that someone is injured on your property and files a lawsuit. Personal liability coverage will cover the cost of legal fees, medical expenses, and any damages awarded to the injured party.

Shield Insurance Agency

When it comes to choosing the right home insurance policy, it is important to work with a reputable insurance agency. Shield Insurance Agency represents over 40 insurance companies, ensuring that they can find the best coverage options for their clients. Whether you are a homeowner, condo owner, renter, or have a seasonal residence, Shield Insurance Agency can help you find the right policy to protect your home and family.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Delivery Man Saves Elderly Woman Stuck in Window

Stuck In Window For 5 Hours Delivery Man Saves Elderly Woman

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FOX 13 Tampa Bay | June 29, 2023 | Stuck In Window | Home Insurance | Start A Quote!

A newspaper delivery man has become a local hero after he rescued a 78-year-old woman who had been stuck in a window for five agonizing hours.

The story unfolded when the woman, identified as Nancy Reyburn, found herself trapped in a precarious situation as she attempted to break into her own home through a window after she had locked herself out. In her desperate efforts to get inside, she became stuck.

“Because of surgery, I had with two hip replacements, I can’t get past mid-part of my leg,” Reyburn told Fox 13. “I’m reaching around the more moving I did, the worse I felt.”

Stuck In Window For 5 Hours

She was stuck in the window for five hours. No one could hear her and hope was running out.

“I was asking God, ‘please this is not the way I want to be found’,” Reyburn recalled.

And just when it seemed that all hope was lost, out of the corner of her eye, she saw the blinking orange light on top of Jose Sanchez’s car.

Sanchez said he was on his normal paper route early Tuesday morning when he heard screaming and saw Reyburn stuck in the window.

“How I screamed, I have no idea,” she said.

Sanchez stuck by her and called 911, and help was finally on the way. Some are calling him the neighborhood guardian angel.

“I’m touched, because I care for these people in this park, they’re like my family, and they’re retired, and I try to watch out for them,” Sanchez said.

“Yes, I do believe in angels and people are put in a place for that time and that night, morning was my time to be helped by Jose,” Reyburn added.

Watch the good news video below.

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Homeowners Insurance: Protecting Your Home and Family

Homeowners Insurance: Protecting Your Home and Family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Homeowners Insurance | Start a quote today!

As a homeowner, you know that your home is one of your most valuable assets. It’s where you
and your family live, where you create memories, and where you feel safe and secure. But what
happens if something unexpected happens, like a fire, theft, or natural disaster? That’s where
home insurance comes in.

Home insurance, also known as hazard insurance, is a type of insurance that protects your
home and personal property from damage or loss. It can also provide liability coverage if
someone is injured on your property. But with so many options out there, how do you choose
the right home insurance policy for you and your family?

Affordable Homeowners Insurance

One of the most important factors to consider when choosing a home insurance policy is
affordability. You want to make sure that you’re getting the coverage you need at a price you can
afford. That’s why it’s important to shop around and compare quotes from different insurance
companies.

At Shield Insurance Agency, we understand that affordability is a top priority for homeowners.
That’s why we offer a variety of home insurance options to fit your budget. We also offer bundle
home and auto insurance policies, which can save you even more money.

Free Homeowners Insurance Quote

Before you can choose the right home insurance policy, you need to know how much coverage
you need and how much it will cost. That’s why we offer free home insurance quotes. Our
experienced agents will work with you to determine your coverage needs and provide you with a
quote that fits your budget.

Protection for Your Home and Family

Home insurance isn’t just about protecting your home and personal property. It’s also about
protecting your family. If something happens to your home, you want to make sure that you and
your family are taken care of. That’s why it’s important to choose a home insurance policy that
provides adequate coverage for your needs.

At Shield Insurance Agency, we understand the importance of protecting your home and family.
That’s why we offer a variety of home insurance options, including liability coverage, to ensure
that you and your family are protected in the event of an accident or injury on your property.

Homeowners Insurance Deductible

When choosing a home insurance policy, it’s important to consider the deductible. The
deductible is the amount you’ll have to pay out of pocket before your insurance coverage kicks
in. A higher deductible can lower your monthly premiums, but it also means that you’ll have to
pay more out of pocket if something happens to your home.

At Shield Insurance Agency, we’ll work with you to determine the right deductible for your needs.
We’ll help you find a balance between affordability and coverage so that you can have peace of
mind knowing that you’re protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we represent over 40 insurance companies. This means that we
have access to a wide range of home insurance options, so we can find the right policy for you
and your family. We’ll work with you to understand your needs and find a policy that fits your
budget.

Contact Shield Insurance Agency for a Free Quote Today

If you’re in the market for home insurance, contact Shield Insurance Agency today for a free
quote. Our experienced agents will work with you to find the right policy for your needs and
budget. We’ll help you protect your home and family so that you can have peace of mind
knowing that you’re covered. Contact us at (616) 896-4600 for a free quote today.

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Flood Insurance: Protecting Your Home and Family

Flood Insurance: Protecting Your Home and Family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.

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Condo Insurance: Protecting Your Home and Your Wallet

Condo Insurance: Protecting Your Home and Your Wallet

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Condo Insurance | Start a Quote today!

As a renter or homeowner of a condo, it is important to understand the importance of having condo insurance. Condo insurance, also known as renters condo insurance or condo homeowner insurance, is a type of insurance that provides coverage for your personal belongings, liability, and the interior of your condo unit.

The cost of Condo Insurance

The cost of condo insurance can vary depending on a number of factors, including the location of your condo, the neighborhood and city you live in, and the type of coverage you choose. However, the cost of not having condo insurance can be much higher in the event of a disaster or accident.

One of the benefits of living in a condo is the sense of community and the shared responsibility of maintaining the property. However, it is important to remember that the responsibility for insuring your personal belongings and the interior of your unit falls on you, not the homeowners association (HOA).

When shopping for condo insurance, it is important to consider the coverage options that are available to you. Some policies may only cover the interior of your unit, while others may also provide coverage for your personal belongings and liability.

In addition to the coverage options, it is also important to consider the cost of the policy. While it may be tempting to choose the cheapest policy available, it is important to remember that the cost of the policy should not be the only factor you consider. It is important to choose a policy that provides adequate coverage for your needs and fits within your budget.

Shield Sells Condo Insurance

At Shield Insurance Agency, we understand the importance of protecting your home and your wallet. That is why we represent over 40 insurance companies, allowing us to provide our clients with a variety of coverage options at competitive prices.

When you contact Shield Insurance Agency for a condo insurance quote, we will take the time to understand your unique needs and provide you with a policy that fits your budget. Our experienced agents will also provide you with information about the coverage options available to you, so you can make an informed decision about your insurance needs.

In addition to providing you with a policy that fits your needs and budget, Shield Insurance Agency also provides exceptional customer service. We are committed to building long-lasting relationships with our clients and providing them with the support they need when they need it most.

Living in a condo can be a great experience, but it is important to remember that accidents and disasters can happen at any time. By having condo insurance, you can protect your personal belongings, your liability, and the interior of your unit in the event of a disaster or accident.

If you are in need of condo insurance, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Our experienced agents will work with you to find a policy that fits your needs and budget, so you can have peace of mind knowing that you are protected.

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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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Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

8 Washing Machine Maintenance Tips

Posted on by Shield Insurance Agency

Nationwide | September 15, 2021 | Washing Machine | Home Insurance | Start A quote today!

Washing machines provide homeowners with endless utility. The ability to wash everything from clothes to bedding at home with minimal effort is life-changing. But most don’t realize there is a laundry list of washing machine maintenance boxes to check. Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

That said, much of washing machine maintenance boils down to proper usage of the appliance and some regular cleaning and checking of its important features. Let’s get into eight easy washing machine care tips to keep yours operating safely and effectively.

1. Check the hoses of the Washing Machine

Water damage in homes is often caused by the washing machine leaking. When the washer is the culprit, that leak can frequently be traced to the hoses. The wear and tear of regular use cause traditional rubber hoses to lose flexibility over time, and water will ultimately win that battle. You should check your hoses for cracks, blistering, or kinks every few months to confirm that none of these warning signs have developed. If they have, it’s recommended that you replace the hose. Even if your hoses remain in good shape, you should still replace them every five years or so.1

2. Clean the lint filter of the Washing Machine

A clean washer filter is essential for a well-functioning washer! Most homeowners are familiar with the lint traps in their dryers and regularly clean them out in between cycles, but did you know your washer may have a lint filter too? Newer, high-efficiency models have self-cleaning pump filters for getting rid of lint, however, many washers have lint traps for filtering the general debris that comes out of clothes and other fabrics mid-wash. If your washer has a filter, you should check and clean it at least four times per year to ensure that debris doesn’t build up and cause mildew.2

3. Don’t overload the Washing Machine

Just a few more shirts, what could go wrong? Plenty! Overloading the washer is a common mistake many homeowners make with their washers. Oversized

loads add pressure that can throw the machine off balance mid-cycle and cause damage to various parts. Just remember: you can always do another load after this one!

4. Leave the washer door open after use

The inside of your washing machine doesn’t dry immediately after the cycle finishes. Moisture lingers for a while after you remove the load and closing the washer door can cause it to stick around even longer, eventually causing mold and mildew. Always leave your washer door open for at least 15-30 minutes after using it to help air circulate and dry the inside. You can also wipe down the gasket or rubber seal around the washer door to accelerate the process.

5. Use recommended laundry detergent

The detergent you use matters. Always check your washer’s manual to see which kinds of detergent are recommended. Detergents that are too heavy in alkaline can damage the machine and any clothes or other fabrics you load them with. This is particularly important with high-efficiency models. Powdered or high-efficiency detergent can be used with these models to minimize residue build-up. Using high-efficiency detergent can also save energy since less water is required to wash it away.2

6. Clean the washer

Even a washing machine needs to be cleaned sometimes to remove detergent residue, dirt, soap scum, and hard water build-up.3 Luckily, DIY solutions of white vinegar and baking soda can be used on most washers. Simply run a cycle on hot with the solution or use a self-cleaning cycle if your model has the option. This solution can be used as high efficient washer cleaner as well.

7. Clean the drain pump filter

If you notice your washer having trouble draining, it’s time to have a look at your drain pump filter. Debris can build up in the filter and cause the drain pump to clog, preventing your washer from draining properly between cycles. You can typically find the filter on the front of your machine, either in plain sight or behind a kick strip.5 Simply unscrew and pull it out to clean.

8. Keep your washing machine level

Keeping your washing machine on an uneven surface can unbalance it, causing it to rock and vibrate. In addition to being very loud, this can also damage various parts of your washer. Make sure that your machine is on a level surface, with all four legs firmly planted on the floor.

It’s easy to forget that the things we use to clean also need to be cleaned themselves from time to time. But if left unchecked, appliances like your washing machine and dryer can quickly go from a beloved appliance to an expensive repair. It’s best to take maintenance measures first, but when hoses burst or machines start causing unexpected damage to your home, it’s important to have homeowner’s insurance. Learn what coverage a homeowner’s policy provides against water-related damage.

1https://www.tlcplumbing.com/blog/preventing-washing-machine-hoses-bursting/, Accessed July 2021
2https://www.consumerreports.org/laundry/energy-saving-laundry-tips/, Accessed July 2021
3https://www.thespruce.com/how-to-clean-a-washer-lint-trap-2147322, Accessed July 2021
4https://simplegreen.com/cleaning-tips/rooms/laundry/high-efficiency-washing-machine/, Accessed July 2021
5https://www.ariel.in/en-in/washing-machine-101/how-to-use-a-washer/how-do-i-check-pump-filter, Accessed July 2021

Disclaimer:
The information included 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, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency

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