Happy Holidays from Miller Carlisle Insurance Services

Wishing you a happy and safe holiday season.Happy Holidays from Miller Carlisle Insurance Services

With the holidays finally here, we at Miller Carlisle Insurance Services would like to take a moment to wish you and your loved ones a very happy holiday season. Of course, being safe is extremely important this time of year. As experts in risk management and insurance, we know exactly how to keep our clients safe from all the risks they face. Try out these safety tips to protect the people and things that matter most to you this holiday season.

Fire Safety

  • If you want to light up your fireplace this winter, make sure you are taking all the necessary safety measures. Please refer to our blog “Winter Fireplace and Chimney Care” for some helpful safety tips.
  • Do not use real candles to decorate your home; having lit candles increases your home’s risk for fire significantly. Instead, try using electric or flameless candles to decorate.
  • If you want to decorate your home with lights, make sure you inspect each light for damages. Discard any strings of light with broken bulbs, frayed cords, or exposed wires, as they pose a fire risk for your home.
  • When cooking, never leave your stove or oven unattended while they are switched on.

Traveling Safety

  • Before you set out on a winter road trip, make sure you have your car inspected by a professional. This will reduce your chances of breaking down in the midst of your journey.
  • Check the weather conditions you will encounter on your drive. Then, make sure your car is properly equipped to deal with these conditions. For instance, if you are expected to encounter snow, make sure your car is equipped with winter tires, snow chains, and heavy-duty windshield wipers.
  • During your drive you are sure to encounter drivers who are behaving unsafely. Do not engage with these drivers or react in a fit of rage. Instead, do your best to avoid them and drive defensively when you are near them.

Home Security Safety

  • If you are going to be away during the holidays, keep your plans under wraps. You do not want to advertise that your home will be uninhabited for days at a time.
  • While you are gone, hire a house sitter or ask a friend to collect your mail and check on your home every day. This will reduce your chances of a break-in while you are gone.
  • Another way to protect against a home invasion is by installing a home security system.

These are some of the safety tips we urge you to take this holiday season. Want another way to stay safe? Make sure you have the right personal insurance protections in place. For assistance will all your coverage needs, contact us at Miller Carlisle Insurance Services today.

Smart Hacks for Defrosting Your Car’s Windshield

Here are some of the tips you should try to defrost your windshield this winter.Smart Hacks for Defrosting Your Car’s Windshield

If you cannot keep your car inside this winter, you will have to deal with a fresh layer of frost or ice on your windshield every morning. While this is annoying, having a clear windshield is essential for safe driving. To ensure you drive safely this winter, here are some of the suggestions you should try to quickly and effectively remove ice and frost from your car’s windshield.

1) Ice Scraper

Using an ice scraper is the most tried and true ice removal method. Most scrapers feature a scraper to remove thick sheets of ice while the opposite end features a soft brush that you can use to clear away snow. Make sure you use each side for their respective jobs to avoid scratches on your glass or paint.

2) De-Icing Fluid

If the scraping method is too time-consuming, you can facilitate the process by using a chemical de-icer. While you can purchase this liquid at your local auto or hardware store, you can also make your own with ingredients you already have in your home. To make your own de-icer, combine one part water with two parts isopropyl alcohol. Spray this mixture onto your windshield and the ice should simply melt away.

3) Warm Water

If the ice on your car is particularly stubborn, you can pour warm water onto your windshield to melt it down slightly. However, you need to be very careful if you are using this method. Applying water that’s too hot could cause your glass to shatter. Be cautious and only use water that is lukewarm at its hottest.

These are some of the suggestions you should try to quickly and effectively de-ice your car’s windshield this winter. Want another way to drive safety this season? Make sure you have the right auto insurance protections in place. For assistance with all your car coverage needs, contact the experts at Miller Carlisle Insurance Services today.

Seniors, Stay Safe This Winter

As temperatures drop, seniors should take extra precautions to ensure their safety.Seniors, Stay Safe This Winter

Just as cold weather conditions can wreak havoc on our homes and the world around us, it can also affect our bodies. As we age, our bodies become increasingly susceptible to the cold. This means that seniors need to take additional health and safety precautions when temperatures drop. Here are some of the things seniors should do to protect themselves.

Watch Out for Ice

As you get older, your bones become more brittle, making you more susceptible to breaks and fractures. Broken hips are a particularly common injury for the elderly, usually caused by a slip or a fall. During winter, patches of ice can make it dangerous for anyone to walk around outside. However, it is especially dangerous for seniors who could easily break a hip or another bone during a fall. The best way to avoid slipping and falling is by staying vigilant and avoiding walking over patches of ice. Ice isn’t the only slipping risk that seniors face this winter, as wet or snowy ground can also increase the chances of slipping. To reduce your chances of taking a nasty fall, make sure you are wearing shoes with non-skid soles every time you venture outside.

Stay Warm

Older individuals can lose body heat very rapidly, making them more vulnerable to hypothermia. Additionally, because your body and immune system are not as strong as they once were, hypothermia can lead to many other serious medical concerns. For instance, it could result in a heart attack, kidney problems, and, in the most extreme cases, death. This is why it’s so important for seniors to keep their body temperatures up. You can accomplish this by keeping the heat on inside your home, and by dressing in layers. When you wear multiple layers, you have an easier time trapping your body heat and staying adequately warm.

These are some of the things seniors can do to stay healthy and safe this winter. Looking for another way to take care of yourself this season? Make sure you have the right personal insurance protections in place. For assistance with your coverage needs, contact the experts at Miller Carlisle Insurance Services today.

Fall Health Tips

Take care of yourself this fall with these health and wellness tips.Fall Health Tips

As temperatures get cooler, you might be tempted to slack on your healthy lifestyle in favor of cuddling up on the couch with warm comfort foods. However, it’s important that you stay fit and healthy no matter the season. Here are some of the things you can do to take care of yourself this fall.

Change Up Your Exercise Routine

Doing the same exercises day after day can get tedious after a while. To combat boredom, change things up this fall. For instance, try incorporating new outdoor activities such as hiking and bike riding into your normal workout rotation. Even activities such as raking leaves and working in the yard can be considered exercise, so be creative and you’ll find it easier to stay active all season long.

Load Up on Seasonal Produce

As the weather gets colder, you might be more inclined to swap out salads and light meals in favor of richer, hardier fare. However, this does not mean that your diet has to be completely compromised. Many seasonal fall fruits and veggies do well in stews, soups, and other heavier dishes. So, the next time you are preparing dinner, toss in some sweet potatoes, kale, cauliflower, or squash, to make your meal healthier.

Protect Against the Cold and Flu

Fall is the beginning of cold and flu season, which is why you need to pay more attention to your overall health. You can stave off colds by getting enough sleep, eating properly, taking the proper vitamins, and so on. The best way to protect against the flu is by getting your annual flu vaccination. Get your flu shot as soon as possible, and you will be protected all season long.

These are some of the things that you should do to stay healthy this fall. Want another way to take care of yourself? Make sure you have the proper personal insurance in place. For assistance with your coverage needs, contact the team at Miller Carlisle Insurance Services today.

How to Observe Breast Cancer Awareness Month

Get involved this Breast Cancer Awareness Month.How to Observe Breast Cancer Awareness Month

October is Breast Cancer Awareness Month, a month dedicated to educating the public about this serious disease and raising money for cancer research. If you would like to get involved this month, here are some of the suggestions that you should try.

Schedule a Screening

One of the best ways to observe National Breast Cancer Awareness Month is to schedule a breast cancer screening with your doctor. Women over the age of 40 should get an annual mammogram to check for breast cancer. If breast cancer runs in your family, speak to your physician. You might have to be screened more frequently due to your increased risk for developing the disease. While male breast cancer is less common, if you have a family history of breast cancer, talk to your doctor about appropriate screening procedures. Remember, early detection is the best way to fight off cancer, so stay vigilant and don’t be afraid to contact your doctor if you notice potential symptoms of breast cancer. When it comes to breast cancer, it’s always better to be safe than sorry.

Donate and Volunteer

Another way to get involved this October is by donating to or volunteering with breast cancer organizations and research initiatives. By making a monetary donation, you can help support breast cancer research and help find a cure. By volunteering at a local event or with a major organization, you can help raise awareness for breast cancer and educate the public about the realities of this devastating disease. Your hard work can encourage others to donate and get screened as well.

These are some of the things you should do to get involved this National Breast Cancer Awareness Month. Want another way to take care of yourself this October? Make sure you have the right insurance protection in place. For assistance with your personal coverage needs, contact the experts at Miller Carlisle Insurance Services to get started today.

Signs That Seniors Should Stop Driving

Seniors, watch out for these indications that it’s time to stop driving.Signs That Seniors Should Stop Driving

While it’s unpleasant to think about, there comes a time when you become too old to drive safely. While deciding to hang up your keys for good is an incredibly difficult decision to make, it’s important to remember your lapse in driving abilities could place innocent lives at risk. If you want to keep the roadways safe, look out for these signs that you are no longer safe to drive.

Physical Inability to Operate a Car

There are many physical indications that you are no longer safe to drive. For instance, if you struggle to hold the wheel straight, have difficulty turning the wheel, or have a hard time shifting your car into gear, this shows that you lack the physical strength and dexterity to safely operate a vehicle. Additionally, if you have trouble applying steady pressure on your gas and brake pedals, this too indicates that you should no longer drive.

Confusion and Lack of Awareness

Aside from physical signs, there are also indications that you lack the focus necessary to drive safely. For instance, if you find yourself confusing your gas and brake pedals, forgetting where you are going, or getting lost even in familiar areas, then these are all signs that you should give up your keys. Lack of awareness can also indicate an inability to drive safely. This can be difficult to diagnose on your own, but if passengers tell you that you regularly miss traffic signs (such as stop signs) and have difficulty keeping up with the flow of traffic (either driving too slowly or speeding), then you should probably stop driving.

These are some of the signs that indicate that you are no longer safe to drive.  Not ready to give up the keys but still want to stay safe behind the wheel?  Then make sure you have the right auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Try Out These Suggestions to Stay Safe in the Pool This Summer

Keep these pool safety tips in mind this summer.Try Out These Suggestions to Stay Safe in the Pool This Summer

While there’s nothing better than a refreshing dip in the pool, it’s important to remember that playing in the pool does have its risks. If you are planning to hit the pool this summer, make sure you take these precautions to keep all your loved ones safe.

Install a Pool Barrier

If you have a pool in your yard, it’s important that you have a safety barrier installed. Pool safety experts recommend installing a 4 to 5-foot fence around the entire perimeter of your pool to prevent small children and pets from wandering into the pool unsupervised. Additionally, your pool barrier should feature a self-closing, self-latching gate to ensure that kids and pets do not sneak past the barrier without your notice.

Arrange Adult Supervision

Children should always be supervised by an adult when they are in the pool. Small children should only enter the water when equipped with the proper floatation measures, and they should always be kept within arm’s reach. Older, more experienced swimmers can be monitored from dry land; just be ready to jump in if an emergency situation arises.

Balance Your Pool Chemistry

Your pool requires the addition of several types of chemicals. If these chemical levels are not properly balanced, they could be harmful to anyone in the water. Before you swim, make sure that you measure the chemical levels of your water. If you need to add additional chemicals, wait two hours for the water to settle before taking another reading. If your water appears cloudy or discolored, you should not let people swim even if your readings claim that it is safe to do so. Murky or discolored water could be a sign of a dangerous chemical reaction taking place. If you are having trouble adjusting the chemical levels in your pool, speak to a local pool expert for assistance.

Try out these pool safety tips to keep all your loved ones safe this summer.  Want another way to protect the things you care about the most?  Then make sure you have the proper personal insurance protections in place.  To find the best policies to fit your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.