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    Personal Insurance Blog

    How to Lower Your Energy Bill

    Posted by Gordon Atlantic Staff

    Thu, Aug 14, 2014 @ 10:37 AM

    Lower your energy bill and get homeowners insurance from Andrew G Gordon Inc

    Save on more than just your insurance with these energy tips.

    1. Turn your thermostat up two degrees in the summer and down in the winter. About 30% of your home energy bill comes from heating and air conditioning.
    2. Take a shower instead of a bath! (You probably already do this, but isn't it nice to know you're saving money?)
    3. Don't let your water run while you shave or brush your teeth; a little conservation goes a long way. 
    4. Use cold water whenever possible! My family washes all of our clothes in cold water. We also use even less energy by hanging nearly all of our clothes up to dry instead of putting them in the dryer; this helps clothes last longer, too!
    5. Instead of using the oven to heat up every snack, use the microwave, toaster, or something that consumes less energy.
    6. The refrigerator uses more electricity than any other appliance in your house (except for maybe your heater/AC). Even if you just leave the door open to get a glass of milk, close it!
    7. Get drapes with insulating liner for your windows to cut heat loss in half.
    8. If you have a pool, use a solar cover to heat it with the sun and prevent the water from evaporating.
    9. Get energy saving light bulbs (the kind with the twisted pipes)! Not only do these save energy, but I've found them to be brighter and last longer than regular light bulbs.
    10. Wait for full loads with your dishwasher and clothes washer to get the most out of your water use.
    11. *If you opt for online payments instead of paper mail with many insurance companies, you'll get discounts! (This isn't on your energy bill, but it's on your carbon footprint!)

    Contact us with any questions, and learn more about homeowner's insurance on our website. Be smart and go green! Get some more tips at consumersenergy.com.

     

    Read more blogs about going green and saving energy (and money!):

    -Go Green for Safety's Sake

    -Green Discounts

    INSURANCE QUESTION?  Top 10 Things about Home Insurance

    Tags: environment, green, electric, insurance, massachusetts, homeowners, energy, bill, how to lower energy bill

    Some More Holiday Safety: Lights

    Posted by Gordon Atlantic Staff

    Sat, Dec 08, 2012 @ 04:32 PM

    IStay safe with holiday lights this season with personal from andrew gordon inc insurance norwell man our last blog post about holiday safety, we touched upon the topic of candles. In this blog, we’re going to talk a little about electrical safety.

    One of my favorite things about the holiday season is how decorated the world becomes. Some of my fondest Christmas memories are of driving through towns and down streets just to see the lights on the houses. Some neighborhoods go all out; some just have a couple of lights in the windows. Either way, lights constitute perhaps the largest part of holiday decorations- both inside and outside the home.

    Lights also pose several hazards. The best way to avoid these hazards is to follow the steps listed below:Learn about safe holiday light use this winter with personal and homeowners from Andrew Gordon inc insurance norwell ma

    • Make sure the lights you use outside are meant for outside use. If the lights are meant for indoor use, the weather can cause fires and electric shocks much more easily. Just check the tag.
    • When putting electric lights outside (say, on the roof) make sure you use appropriate ladder safety. (Have someone spot you, make sure the ladder is stable, ascend slowly and safely, etc.)
    • Check and change all the light bulbs BEFORE you plug in.
    • Keep the wires away from any pets that might be chewing on them.
    • Check to make sure the wires are not frayed or exposed.
    • If the wires start to overheat, unplug them immediately.

    Enjoy the holidays and all the dazzling lights! "Ooh" and "ahh" at the houses that go crazy with spirit! But remember to follow the steps above- nobody wants to enjoy the season in the dark.

    If you have any questions about risk management or insurance, feel free to contact us. For a homeowner's quote, click the box below.

    Why Choose Gordon? INSURANCE QUESTION? Get Quote

    Tags: winter, safety, personal, electric, seasonal, decorate, insurance, holiday, homeowners, lights

    The "Ordinance or Law Endorsement:" What Does It Do?

    Posted by Gordon Atlantic Staff

    Fri, Apr 13, 2012 @ 03:44 PM

    Protect your home but cover it in case of a fire or accident with homeowners from Andrew Gordon Inc Insurance Norwell MAIf there’s a fire in your home and only one room is damaged, insurance should pay for its repair or replacement.  What happens when the local electrical inspector comes in after the fire, and requires full replacement of an old and obsolete electrical system – none of which was actually damaged by the fire?   The owner has no choice: fix it to get back in the house.  While fixing undamaged (but outdated) parts of the house aren’t insured under a standard property policy, there is a solution.

    The Ordinance or Law endorsement provides additional funds, commonly up to 10% of your dwelling limit, for costs you incur due to the enforcement of any ordinance or law which requires or regulates:

    1)       The construction, demolition, remodeling, renovation or repair of that part of a covered building or other structure otherwise damaged and insured;

    2)      The demolition and reconstruction of the undamaged part of a covered building or other structure, when that building or other structure must be demolished because of insured  damage to another part of that covered building or other structure; or

    3)      The remodeling, removal or replacement of the portion of the undamaged part of a covered building or other structure necessary to complete the remodeling, repair or replacement of that part of the covered building or other structure damaged by a ‘Peril Insured Against’.

    What does this mean for you, a home owner? 

    Simply put, sometimes the enforcement of a regulation or law means taking down or removing “undamaged” stuff: like old wiring.   Recall that a homeowners (and other property) policy provides coverage when something is damaged, but doesn’t provide coverage to undamaged parts.   If your town building inspector requires you to replace undamaged (but outdated, possibly dangerous) parts by enforcing existing building codes, you’ll incur additional costs.  Since these are not included in the standard homeowner policy, the Ordinance or Law endorsement is designed to fill that gap by providing coverage for these additional costs.

    Although the standard policy only provides 10% of the dwelling limit for Ordinance or Law coverage, higher limits, up to the full dwelling limit, may be added for an additional cost.

    For more information about this important coverage, please contact us at www.agordon.com.

    Top 10 Things to Know about Homeowner's Insurance

    Tags: house, home, damage, repair, construction, law, electric, ordinance, endorsement, replacement, upgrades, standard property policy, insurance, fire, remodeling, homeowners

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