Protect Your Property from Fallen Trees with the Right Property Damage

Protect Your Property from Fallen Trees with the Right Property DamageDetermine what you need to know about fallen trees and your insurance coverage.

Trees a wonder of Mother Nature. They provide plenty of shade in the summer and plenty of oxygen year-round. However, during the summer months, when more thunderstorms are likely to occur, it’s important that you take care to use precautions to avoid fallen trees. Despite your best efforts, sometimes fallen trees can cause serious damage to your property. Find out what you need to know about fallen trees and your insurance so that you’re well protected.

Property Damage.

If a tree falls and causes damage to the structure of your home, your homeowners insurance will likely give you some coverage to help remove the tree and fix the structure. However, it’s important to note that if the tree fell due to a lack of maintenance your insurance won’t cover you. Ensure that you stay up on your home maintenance and remove any dead tree limbs or limbs that are too close to the structure of your home.

Car Damage.

Should a car fall on your tree, you’re likely covered under your auto insurance policy. However, it’s important to check the specifics of your policy to make sure. While your coverage will help to make repairs to your vehicle, the removal of the tree is likely not covered under your policy.

No Damage.

In some instances, a tree will fall but cause no damage. Under these circumstances, you’re then responsible for removing the fallen tree out of pocket since there had been no physical damage to the structure of your home.

When it comes to fallen trees, ensure that you have the tools that you need to protect you, and invest in the right insurance policies. For all of your insurance needs, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How to Prevent Basement Flooding

How to Prevent Basement FloodingThe summer rains are perfect for hydrating our flowers and gardens, but they often bring unwanted basement floods.

Summer means beautiful weather, but, depending on where you live, it also means powerful thunderstorms. While it certainly makes our garden look robust and healthy, it can also lead to unwanted flooding. From our parks and streets to our basements. To keep your basement dry during the summer storms, check out these helpful hints.

Preventing Basement Floods

  1. Clean your gutters. If you don’t clean your gutters every fall and spring, you leave your gutters vulnerable to clogging. If not drained properly, it can spill over and leak into your foundation which can lead to a flood.
  2. Your downspouts should extend away from your home. Your downspouts should extend away from your home and lead six feet away from your basement. Make sure that these are not connected to the foundation as they could unintentionally leak down into your foundation–even if functioning properly.
  3. Purchase a sump pump. If properly installed, the sump pump can act as a huge floor drain by sucking all of the water that wants to enter your basement. Make sure it’s free of debris, and think about a battery or propane generator in case power goes out during a storm. A pump without sucking action is just a tube.
  4. Do an examination during a storm. If water starts pooling near or by your house, it’s best to call a landscaper or contractor to build ways to direct water away.
  5. Flood insurance. When all else fails, it’s an excellent idea to have flood insurance, as the typical home insurance policy will not cover such flooding.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Gun Safety in Carlisle, PA!

Gun Safety in Carlisle, PA!

4 Questions to Ask If You Keep Guns in the House.

There are an estimated 300 million firearms in U.S. homes, and, logically, the more guns there are, the chances for gun-related incidents greatly increase. “It will never happen in my home,’ says every gun owner before it happens in their home. If you own a gun, and you keep it in your house, ask yourself these questions to prevent a gun-related accident.

  • Is my firearm locked and loaded? Whenever you are not using your gun, your gun should be unloaded and placed in a secure location, away from child access.
  • Where’s the ammo? Keeping your ammunition separate from the gun itself is a way to greatly reduce an accident. Especially if the ammunition is locked.
  • How much does my family know? Everyone in the house should know that you are keeping a firearm. And remind your children never to touch guns—no matter whose house they are in.
  • Does my insurance cover me? Homeowners policies may cover accidental and negligent acts, but they generally do not cover intentional ones. Meaning, if you shoot someone, even in self-defense, you won’t be covered .

With accidents like these, you want to make sure that all your guns are covered—otherwise you could end up being in loads of trouble. Instead, ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing  insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Creating the Perfect Home Inventory

Home Inventory Carlisle, PA
Follow these tips to help you create a home inventory.

You buy homeowners insurance to protect your biggest asset – your home. However, before you start enjoying your coverage, you need to make sure that all of your personal belongings are protected with a complete home inventory. Keep these tips in mind to help you create a home inventory.

  • A written home inventory can work to keep all of your assets safe, as long as you complete it. If you are making a written home inventory, make sure to open all closets and drawers to ensure you mark down each and every item you own.
  • Creating a home inventory with pictures or video will make it much easier. Simply walk through each room and document everything you see, as well as their values.

You should always have at least two copies of your home inventory, with one being stored at a different location other than your house, such as a lock box at your bank. Any proof of value, such as receipts or appraisals should be included in your inventory to ensure you have the right amount of coverage.

For all of your home insurance needs to ensure you have the protection you deserve, contact the insurance professionals at Carlisle, Pennsylvania.

When Do I Need to Update My Home Insurance?

Updating Your Home Insurance Carlisle PAHomeowners should protect their home with accurate insurance coverage.

When it comes to taking care of your large asset, your home, there’s more than enough to do to keep busy! Unfortunately, most homeowners tend to forget the most protective, most helpful precaution – home insurance. This coverage is designed to protect your home and assets in the event of a disaster.

Below are some circumstances in which you should review your home insurance coverage to ensure that are continuously protected.

A New Home
Coverage for your home is imperative. If you buy a new home, be sure that you receive the insurance that covers your home’s estimated reconstruction costs and not its current market value.

Remodeling
Whether you’re renewing your bathroom or adding an outside deck, major home renovations usually boost your home’s value. This value should be reflected in your insurance coverage. Be sure to update your insurance when you update your home.

New Purchases
If you have recently bought a pricey TV or a flashy necklace, talk to your insurance agent. While your home insurance can cover valuables against loss or theft, coverage is only provided up to a certain limit.

Lifestyle Changes
Certain life events may alter your assets and risk tolerance, which can change how much insurance coverage you want. For example, if you have retired or quit smoking you may be eligible to receive a discount on your insurance.

Now that you know when to update your home insurance, ensure that you have the proper coverage at the present time. Contact Miller Insurance in Carlisle, Pennsylvania for all of your insurance needs.

Keep Your Fire Pit Safe

Fire Pit Safety & InsuranceDon’t Get Burnt with These Fire Safety Tips

It’s no wonder that fire pits are getting more popular in the backyard with their warm ambiance, affordability, and unique designs. While a fire pit can be a fantastic addition to your back garden, it is important to keep in mind that all fires are dangerous.

By following these tips, you’ll be able to keep danger at bay, and roast those marshmallows worry free:

  • Legal
    – Check regulations in your area to learn about restrictions of fire pits and open fires
    – Keep the peace by extinguishing the fire if you receive smoke complaints from neighbors
  • Placement
    – Keep the fire pit at least 10 feet from any structures
    – Do not place it underneath hanging trees, vines, or shrubs
  • Model
    – If you want a quick lit fire, a propane model might be the best way to go
    – If you opted for wooden, choose hard, seasoned woods
    – Never use liquid fuels or lighter fluid to get your fire lit
    – Do not burn paper, cardboard, leaves as this will increase the smoke production
  • Extinguish
    – When you’ve all decided to head inside, ensure that the ashes are spread out and let them cool for a bit. Slowly pour water or sand onto them to extinguish all flames
    – Stay for a few extra minutes to watch out for any residual flames

We hope you enjoy your backyard fire pit and ensure that all safety precautions are met. Be sure to visit Miller Insurance Associates for all of your insurance needs, including home insurance. We are located in Carlisle, Pennsylvania, but serve all surrounding areas!

Easy Summer Recipe: Shrimp Ratatouille

Shrimp Ratatouille

An Easy Summer Favorite for the Whole Family!

Ingredients:

  • 2 tablespoons plus 1 teaspoon olive oil
  • 1 red onion, roughly chopped
  • 3 cloves garlic, minced
  • 1 medium eggplant, cut into 1-inch cubes
  • 2 zucchinis, cut into 1-inch cubes
  • 1 red bell pepper, cut into 1-inch pieces
  • 1 yellow bell pepper, cut into 1-inch pieces
  • 1 tablespoon fresh thyme, chopped
  • 1 28-ounce can chopped tomatoes
  • 1 cup green olives, pitted
  • 1/2 teaspoon red pepper flakes
  • 1/2 teaspoon salt
  • 1/2 teaspoon freshly ground black pepper
  • 1-pound large shrimp, shelled and cleaned
  • 1/4 cup fresh mint, chopped
  • 1/4 cup sliced almonds, toasted

Directions:

1) Heat 2 tablespoons of the oil in a heavy pot over medium heat. Add the onion; cook 5 minutes. Add the garlic; cook 2 minutes. Add the eggplant, zucchini and bell peppers; cook 5 minutes. Add the thyme, tomatoes, olives, red pepper flakes, salt and black pepper. Reduce heat to medium low; simmer 20 minutes.
2) In a large nonstick skillet, heat remaining oil. Add shrimp and cook 2 minutes on each side.
3) Stir shrimp into ratatouille.
4) Spoon onto plates. Garnish with mint and almonds; serve.

The Miller Insurance Associates hope you enjoy this recipe as much we did! Be sure to check us out for all of your insurance needs!