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After completing the application I had to stop and wonder if the insurer was spending far too much time asking the wrong types of questions. Have you ever been in a situation filling out various insurance applications, where you just wanted to chuck the whole thing and write your own brief to explain the simple exposure to the underwriters.

... get free paint: Many household hazardous waste (HHW) facilities around the c...clippings and tree bark are organic materials most often used on garden beds. ...

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Commercial auto insurance for automobile fleets that involve the use of commercial vehicles and private passenger cars to support business activities where the primary goal is to sell and distribute products, perform contracting operations and provide services to customers.

...s, or act to prevent or minimize hazardous chemical releases. How to evacuat...cuate). Places to avoid - such as hazardous materials storage areas. Assembly points...

"A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed." - The Second Amendment of the United States Constitution

Enjoy longer days and warmer nights while protecting your investment. Summertime is the best time to be outside enjoying the weather. Make sure your deck or patio is ready for the summer sun by keeping in mind the seasonal maintenance tips below. Check deck or patio for possible deterioration and safety hazards such as loose boards and protruding nails. Check electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service. Check all window and door locks to ensure correct functioning. Make sure all locks are secure and there are no holes in any of the screens. Inspect recreational equipment for proper operation and possible dangers (e.g., Are swing sets secure, and do they contain any rusty bolts?). Carefully inspect your toilet. Look for the erosion of plastic floater valves, and check all pipe connections. Clean or replace your furnace filter. Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust and pieces of material. Inspect washing machine hoses periodically, and replace hoses that show signs of wear or leakage. Have your roof inspected by a professional once every few years to identify areas of potential leakage.

Using our claim data, we have developed a list of the most common causes of fire-related losses as well as some things you can do to help prevent them. Faulty Wiring and Outlets Are One of the Top Causes of House Fires. Check the electrical cords throughout your home for signs of fraying, and replace all frayed wires. Do not pinch or cover electrical cords with items such as rugs. Be aware of the capacity of your home's electrical system. Do not overload your circuits. If you have questions about your home's electrical system, you may want to consult a licensed electrician. Understand the difference between surge protectors and power strips - both allow you to plug in multiple electronic devices, but only the surge protector will help protect these devices from a power spike. Use surge protectors to protect valuable electronic devices, such as computers and televisions. Carelessness in the Kitchen May Also Lead to a House Fire. Never leave your pots or pans unattended on your stove. Keep a kitchen fire extinguisher readily available and know how to use it. Keep your stove and oven clean. Built up food splatter or grease can later ignite when the stove or oven is turned on for cooking. Read more tips to help prevent cooking fires, and what to do if one occurs. Clothes Dryers are Another Common Source of House Fires. If you are installing your own dryer vent, follow the directions in the manufacturer’s installation instructions, using the recommended duct material. If you are unsure about how to properly install the vent, consider hiring a professional to do the installation. Clean out the dryer vent regularly. Clean out the lint filter after each load. Lint may also collect under and behind your dryer, so do not forget to clean these areas. Alternative Heating Sources May Also Create a Fire Hazard. Avoid using an older space heater, as it may not have adequate safety features compared to newer units. When purchasing a new space heater, ensure it is UL Listed and pay attention to the safety features. Do not place a space heater near furniture, curtains or other objects that could easily catch fire. If you plan to install an alternative heating system, such as a wood or pellet stove, follow the instructions. If you are unsure about how to properly install the system, consider hiring a professional to do the installation. Before installing a wood or pellet stove, check to ensure it complies with the laws of your state and municipality. Dirty Chimneys Also Pose a Fire Hazard. Have your chimney inspected annually by a Chimney Safety Institute of America (CSIA)-certified chimney sweep. Have a professional clean and repair the chimney as needed, especially before the cold months, when you will be using it frequently. Use seasoned wood only. Never burn green or damp wood. Never burn cardboard boxes, wrapping paper, trash or trees in your fireplace - these can all spark chimney fires.

Milder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, be sure to spend some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, we offer ways to help make spring a season of safety. Download our spring home maintenance checklist > Inside Your Home Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded. Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation. Have your air-conditioning system inspected by a professional as recommended by the manufacturer. Check your water heater for leaks and corrosion. Clean or replace your furnace filter. Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material. Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed. Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer. Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs. Outside Your Home Check for damage to your roof. Clean gutters and downspouts to keep debris from accumulating. Remove dead trees in your yard. Keep healthy trees and bushes trimmed and away from utility wires. Safely store oil and gas for lawn equipment and tools in a vented, locked area. Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.