We are getting closer to the peak holiday shopping season. We would like to provide all our clients with a few reminders about how to be safe and to prevent your gifts and other purchases from being stolen. Shopping during the holiday season can present unique dangers, but following a few prevention measures can help keep your holiday season joyous.
Please keep these safety tips in mind, so that you can enjoy the season without incident:
Shopping Safety Tips
- Always be aware of your surroundings.
- Don't leave purchased merchandise in your parked car where it can be seen. If you take purchases to your car and then continue shopping, always put your purchases in the trunk.
- Police advise you to remove the GPS unit and if necessary, take it with you. That includes even the suction cup, if that can be removed.
- Avoid carrying large amounts of cash. Pay for purchases with checks, credit or debit cards. Carry your cash and wallet in a front pocket to reduce your chances of having your pocket picked.
- NEVER leave car doors unlocked or windows open.
- Avoid wearing expensive jewelry.
- ALWAYS park in lighted areas. Do NOT park in remote areas.
- Shop with a friend.
- Keep receipts in your wallet or purse.
- As you return to your car, be sure to keep your car keys in your hand.
- If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy.
- Keep a record of all of your credit card numbers in a safe place at home.
- Beware of strangers approaching you for any reason. At this time of year, con-artists may try various methods of distracting you with the intention of taking your money or belongings.
We hope you never have a loss or claim, but if you do, call our office as soon as possible. Remember your deductible will apply to all losses.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility