What if your neighbor leaves their stove burner on and starts a fire in your apartment building? How about the addict looking to score some easy drug money while you're away? Are you protected against loss from events like these? You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Farm Country Insurance help you find coverage options that protect you, your family, and your personal property. Call us at 802-748-8081 and let us help to make sure you’re properly covered.
What you need to know about renters insurance.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.
Extra coverage doesn’t have to cost a lot.
Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. We’ve found that good coverage can be purchased for as little as $150 per year. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.
Call us to get a free quote. You’ll be glad you did.
As many golfers and other outdoors enthusiasts can attest, thunderstorms can often strike with little to no warning. The lightning strikes that accompany these thunderstorms pose a serious threat to people and safety. The following tips can help you stay safe when a storm does happen.
What if You are Caught Outdoors?If you are caught outdoors, the flash-to-bang method is the easiest way to estimate how far away a thunderstorm is, and how much time you have to seek shelter. First, count how many seconds pass between the flash of lightning and clap of thunder, then divide by five to find the approximate distance in miles.
In cases when a safe, indoor shelter is absolutely not available, here are some scenario-specific tips that may help lessen your chance of being struck by lightning.
On the Golf Course
If you are nowhere near the clubhouse, move away from hilltops, open areas and water and stay as far away from tall trees and metal conductors, such as wires and fences. Move away from your golf cart and clubs and try to maintain at least 20 feet of distance between you and other golfers on the course. If possible find the lowest place possible, such as a ravine or valley, and squat in a baseball catcher’s position — with your heels touching, ears covered, and head between your knees. Make sure to minimize contact with the ground, and do not lie flat.
On a Boat
Most lightning-related injuries and deaths on boats occur on vessels without a cabin. Larger boats with cabins are relatively safe, particularly when a lightning protection system is properly installed. If you cannot return to shore before the storm hits, drop anchor and get as low as possible or retreat to a cabin if your boat has one. Remember to stay off the radio unless there is an emergency. It is also a good idea to keep away from metallic surfaces, which may conduct electricity. If possible, return to shore before the thunderstorm reaches your boat, and seek indoor shelter.
On a Trail
Always avoid lone trees and other tall objects when on a hiking trail during a thunderstorm. Stay away from rocky outcrops, ledges, water and wet items like ropes and towels. If you are deep in the forest, retreat underneath a group of small trees, preferably surrounded by taller ones. In more open areas, retreat to and crouch down in the closest dry, low area, such as a ravine or valley, and squat in a baseball catcher’s position, and minimize contact with the ground and do not lay flat.
On the Beach?
If you are swimming as a storm is approaching, get out of the water immediately. If your car is parked within walking distance, return to it immediately and head home, or wait at least 30 minutes until the storm has passed before returning to the beach area. Do NOT stand under picnic or other open-sided shelters and never stand under the lifeguard chair or near metal objects (fences, poles). Do not be lulled into a false sense of security if the storm is several miles away. In general, a significant lightning threat extends outward about 6 to 10 miles from the base of a thunderstorm cloud.
NOAA's National Weather Service, http://www.lightningsafety.noaa.gov/outdoors.shtml
Wild Backpacker, http://www.wildbackpacker.com/wilderness-survival/articles/surviving-a-lightning-storm/, Travelers Insurance
Here are some sobering facts regarding Distracted Driving, according to the Distracted Driver Accidents website.
According to the FTC there are nearly 10 million people, who become victims of identity theft each year. costing victims an estimated $5 billion in out-of-pocket expenses. Here’s what you can do to protect yourself before it is too late.
Be safe, be aware of the identity thieves out there.
Are you planning a wedding, family reunion, baby shower or some other special event?
If so, you may need a Private Events policy. The Private Events policy provides several different types of coverage and coverage enhancements for your special day. You can buy coverage for weather cancellations, lost or stolen equipment, lost deposits, photography expenses and more. There is also the option to add liability insurance which includes an option to add liquor liability. Some activities, such as fireworks, live animals, mechanical rides and some others are excluded.In most states, the policy issue date must be at least 1 day before the event date (14 days in New York) and an insured cannot cancel the policy after purchase. This valuable protection can be had for as little as $160 with no deductible.
Don’t let your special event be ruined by the unexpected. Protect yourself with Special Event Coverage. Call us at Farm Country Insurance for a free, no obligation quote.
Recently we have seen a couple of reports of fires caused by overloaded power strips. The Daily Hampshire Gazette reported one in Amherst , MA on November 2nd and The Caledonia Record reported one in St Johnsbury on November 28th. Don't overload power strips this Christmas season. You don't want to be the subject of the next headline.
Have a safe and happy Christmas.
If you’re like many people in Vermont, you breathe a sigh of relief once the holidays are over.