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    Personal Insurance Blog

    Changing Your Smoke Detector Batteries

    Posted by Gordon Atlantic Staff

    Thu, Nov 07, 2013 @ 09:00 AM

    The end of Daylight Savings Time has come once again, and last weekend we all set our clocks back an hour. Although we get an extra hour of light in the morning, darkness will now be falling much earlier in the afternoon, and it can be difficult to adjust at first to the change.

    Along with being a signal of the winter weather to come, changing the clocks this time of year should also be a reminder to all to change the batteries of smoke detectors throughout your home or workplace.

    Keep your home safe change smoke detector batteries and get homeowners insurance from Andrew g gordon inc

    Here are some tips for checking your smoke detector.

    • After replacing the battery, use the ‘test’ button to make sure the alarm is audible. If the alarm doesn’t work, even with a fresh battery, the entire unit may need to be replaced.

    • Some smoke detectors may beep to signal that the battery needs to be replaced. However, if all smoke detectors in your home are beeping at the same time, a power outage or tripped circuit breaker may be to blame. Try to find the source of the problem before replacing the batteries.

    • It is also a good idea to clean your smoke detectors with compressed air every now and then, and doing this at the same time as you replace the battery could extend the life of your detector.

    However, there is no reason to wait for problems with your smoke detector to change the battery. Smoke detectors have been proven time and time again to save lives in the event of a fire and for the cost (an average 9 Volt battery costs less than $3) it is very much worth it to change it BEFORE it starts beeping or just plain stops working.

    Remember to change your smoke detector batteries as soon as you can, and next fall, start a tradition of changing your clocks and your batteries at the same time. It could save your life!

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    Tags: home insurance, fire, fire safety, technology protection, smoke detector, home liability, batteries, fire hazard

    Dogs and Insurance: Breeding Trouble

    Posted by Gordon Atlantic Staff

    Thu, Aug 29, 2013 @ 11:44 AM

    Cover your dog cat pets with personal health insurance from Andrew G Gordon IncDid you know that about one third of liability claims are about or related to dog bites? That's a significant percentage when it comes to claims, which is why insurance companies have a very firm stance on home insurance when it comes to dogs.

    High Risk Breeds

    Behavior of any animal is largely due to genetics. We can have the nature vs nurture biology debate some other time, but you can't deny if one breed bites more than another, genetics are playing a serious role there.

    Because of this, dog breeds with a history of dog bites are most likely to be outright refused by certain insurance companies. Or, if insurance is not denied or cancelled, companies are allowed to increase your premium.

    Here is a listing of some of the high risk breeds that insurance companies tend to refuse to cover or will cover at a more expensive rate:

    • Protect your dog cat pets with personal health insurance from Andrew G Gordon IncGerman Shepherd
    • Rottweiler
    • Doberman pinschers
    • Pit bulls
    • Staffordshire terriers
    • Chow chow
    • Akita
    • Presa canario
    • Great Dane
    • Siberian husky
    • Alaskan malamute
    • any sort of mixed wolf breed

    What Can You Do?

    Fortunately, you can do a lot of things to keep your insurance. There are some companies that do not discriminate against breed, but certain documentation must be obtained by veterinarians or from dog obedience school. Steps such as these will only aid you when it comes to purchasing insurance.

    You can also help your dog out by taking certain steps. By socializing your dog at an early age the dog becomes more receptive to social interaction and less likely to bite. But remember, if any dog is provoked or put into an uncomfortable situation, that dog's aggressive chomper is more like to make a debut- hopefully not with a person.

    Insure your pets in case of health issues with personal insurance from Andrew G Gordon Inc

    For more information on dogs, check out our other informative dog blogs. Having a dog is a huge responsibility, and if you already have one or are considering getting one, the more you know, the better.

    Our agency, Gordon Insurance, quotes with several companies that allow for dogs and insurance to be in the same policy. Other companies we quote with will allow the dog but will exclude dog-related claims. Either way, we will be able to find the best price for the best coverage- just send us an online form or contact us another way. Learn more about personal insurance here.

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    Tags: home insurance, dog, liability, pet, liability claims, dog breeds, breed, great dane, husky, pit bull, genetics, nature vs nurture, obidience school, veterinarian

    10 Commandments of Insurance

    Posted by Gordon Atlantic Staff

    Wed, Aug 28, 2013 @ 09:18 AM

    If you're going to do insurance, you should do insurance right. Here we've compiled the 10 Commandments of Insurance.

    Never miss an insurance online payment with Andrew G Gordon Inc1. Thou shalt not miss a payment

    There are so many payment options available, including electronic payments, that an insurance payment should never be missed. If you miss a payment, your policy may be canceled.

    2. Thou shalt drive safely

    Road rage, reckless driving, distracted driving- all bad. Drive as safely as possible to avoid accidents and bodily injury. Maybe you should increase your property damage if you aren't going to be the safest driver. Better safe than sorry.

    Take care of your house property with homeowners insurance for home from Andrew G Gordon Inc

    3. Thou shalt take care of property

    A lot of work goes into maintaining a property. There are a bunch of underrated dangers that should be taken care of. You must also actively do things such as repair roof shingles, organize your items, take care of puffbacks, and the like. Having insurance is one thing, but letting your home go to shambles is something completely different.

    4. Thou shalt take care of health

    Health is very necessary to live a good and happy life. On top of doing things to take care of oneself, such a wearing sunscreen, staying properly hydrated, and being cautious to over-the-counter medications, life insurance is a must. People might wonder why life insurance should be pursued, but it's one of those things that's well worth it. For more information on life insurance, click here.

    5. Thou shalt know the laws

    Obey driving laws with auto insurance for your car from Andrew G Gordon Inc

    There are a lot of laws out there that should be known. There are a lot of minor violations that can affect auto insurance, as well as some laws that are specific to junior operators (passenger restriction, time restriction, etc.). Following these laws can keep one out of legal trouble as well as insurance trouble.

    6. Thou shalt actively understand insurance

    Make sure you know what type of coverage you have. There's a difference between collision and comprehensive coverage, and the difference is huge. Knowing your insurance vocabulary is an important step.

    7. Thou shalt take advantage of available discounts

    There are so many discounts available! Why not take advantage of them? You could take extra driving classes, install an alarm, bundle your policies, etc. The point is, if you can pay less for the same exact policy, why wouldn't you?

    8. Thou shalt not lie

    If you do not provide accurate information when receiving a quote, a policy might be issued and all, but the policy will not adequately cover what you need covered. If you face a home insurance inspection, there's no way you can lie about things of that nature. Another bad example of lying is having a trampoline on your property if your insurance company doesn't know about it. Be truthful for correct coverage.

    Take care of your pets with health insurance from Andrew G Gordon Inc9. Thou shalt take care of pets

    Dog bites attract a lot of liability claims. With that being said, make sure your pets are taken care of. There are many dangers that pets can face, and you should know them in order to keep your best friend safe.

    10. Thou shalt be prepared

    In the case of natural disasters or storms, one should take advantage of storm and hurricane resources that Gordon Insurance has made available to them. You don't want to regret things after the storm, and by being prepared, you don't have to.

    For more insurance information or to get a quote click the buttons below. If you have any other insurance questions, do not hesitate to contact us here at Gordon Insurance. Learn more about personal insurance here.

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    Tags: home insurance, home, auto, liability, Auto Insurance, dogs, driving safety, money, commandments, things to know about insurance

    Microbursts: Surprise Storms

    Posted by Gordon Atlantic Staff

    Mon, Aug 26, 2013 @ 09:59 AM

    Have you ever heard of a microburst? I sure hadn't until one of my fellow coworkers in this very office explained to me what they are. Naturally, I had to research them, and what I found is mind-boggling.

    Weather Words

    So if you're into weather speak and meteorology talk, then you'll be intrigued to hear that a microburst is just a bunch of sinking air. However, when this air sinks, it sends little tornadoes and strong winds just in that area.

    Be prepared for home damage from surprise storms with homeowners insurance from andrew g gordon inc

    Microbursts consist of three stages: contact, outburst, and cushion. The first stage is when the air descends from the clouds and to the ground, making contact. The second stage is when the air move aways (typically horizontally along the ground). The third stage is when the horizontal winds accelerate but the initial winds begin to slow down.

    Regardless of which stage a microburst is, there will be very, very strong winds that have the ability to known down trees and buildings. And while hurricanes and other tropical storms can have both strong winds and heavy precipitation, microbursts are different. Why? Mostly because they can appear out of nowhere and are very difficult to predict.

    Damage and Insurance

    I just spent some time telling you how microbursts differ from any other storm. Now I am going to contradict myself and tell you the good news when it comes to insurance!

    Even though microbursts are weird little storms that can really pack a punch, insurance covers for their damage. They are just like any other storm. Most of the damage caused by microbursts comes in the form of falling trees. To protect yourself against loss, make sure you have a wind policy that adequately covers your home's worth, especially if you live in a heavily wooded area.

    For those "wet-microbursts" that come with a lot of flooding, only a flood policy can protect you from loss in the event of a flood. So, similar to the wind situation, as long as you have the appropriate policy, your insurance will cover you in case of a microburst. Hooray!

    Microbursts in MA

    Fortunately, microbursts are not that common. However, that doesn't mean that they do not occur. Recently, Agawam was faced with a microburst that caused lots of damage. For more information on that damage, click here.

    Microburst Video

    Here is a video explaining microbursts and showing some of the severe damage these storms can cause.

     

    If you have any other insurance questions about anything- home, auto, commercial, life- feel free to contact us at any time. Learn about homeowners coverage here.

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    Tags: home insurance, house, home, house insurance, microburst, strong wind, fallen tree, tree damage, tree, Flood, storm, wind, windstorm, property damage, flood insurance

    What is an Additional Insured?

    Posted by Sue Bird

    Wed, Jun 26, 2013 @ 04:33 PM

    Learn what an additional insured is with homeowners insurance from andrew g gordon incAn "Additional Insured" designation on a Homeowner's policy is used when someone who has a financial interest in the property does not live at the residence. This could be an ex-spouse, relative, or deceased spouse (estate) who's name is still on the deed or mortgage. It provides that entity with coverage the Dwelling and Other Structures coverage as well as Personal Liability and Medical Payments in respects to the residence premises only.

    Keep in mind that the person listed as an Additional Insured on the property would also be sharing the Personal Liability limits on the policy with the Named Insured/Policyholder. It would be wise, if possible, for the Additional Insured to also extend liability coverage from his/her own Homeowner's policy to the property that he/she owns but does not live at so that he/she has the full amount of Liability Coverage afforded under his/her policy.

    Any other questions? Feel free to contact us. Learn more about home insurance here.

    INSURANCE QUESTION? Home Quote Request

    Sue Bird

    Tags: Additional Insured, home insurance, home, homeowners policy, estate, named insured, policyholder, homeowners, insured, dwelling

    Insurance for the College Student

    Posted by Gordon Atlantic Staff

    Fri, Jun 07, 2013 @ 12:11 PM

    Insure your college student with home auto life personal insurance from Andrew G Gordon IncYou can find a college student almost anywhere you go. Some college students stay close to home, others go far, far away. Regardless of where your student ends up, one thing is certain: they're going to need insurance.

    Health Insurance

    Most colleges and universities require their students to have some form of health insurance. Luckily for me, I'm staying in state (Go Huskies!) and my health insurance for MA will still cover for all my health insurance needs. However, not all college kids stay in their home state. In fact, one of my best friends is traveling across the country to the west coast.

    You should always check with your insurance provider about the cost of insurance out-of-state, if it is even offered. If not, you could always have your student go with health insurance offered by the university. Finding information about university health insurance should not be too difficult. Search the area of the website dedicated to new students. Websites typically list required immunizations as well as the insurance plan required by the school. If you have existing insurance that works, you can waive out of the university insurance plan. If not, most universities will make that plan mandatory.

    Most schools have a student health center, and students must pay the fee to use these facilities regardless of their insurance plan. Again, these plans differ from school to school, and state to state. Be sure to check with your student's college or university. Health care is essential, and I'm sure you'll feel loads better with your student protected by health insurance.

    Get auto insurance for your college students car with Andrew G Gordon IncAuto Insurance

    Some colleges and universities allow students to bring cars to campus. Again, I'll be living in the city, so transportation for me is going to consist of walking and the occasional T ride. I don't see any need to have my own vehicle when everything will be so close to me. That being said, not all colleges and universities are in the city, and some people just downright hate city life. That's fine. But if they want a car, they'll have to deal with some car insurance stuff.

    First of all, you need to specify with your insurance company about whose name the car is under, which state the car will be located, who the primary driver will be, what type of insurance you want, etc. And then, you might have to deal with some cost changes in your policy.

    More often than not, college students that do not drive around are taken off the insurance policy for that period of time, and understandably so. Why pay for insurance that will not be put to use? However, if that student intends on driving during the uninsured time period, things could be pretty bad.

    Make sure that all types of auto insurance- insured or uninsured, in-state or out-of-state- are dealt with before your college student heads out on his/her way.

    Get homeowners insurance for your college students house with Andrew G Gordon IncHomeowner's Insurance

    College living arrangements usually fall under one of three categories. 1) Your student pays a room and board fee and his/her college or university and lives on campus. 2) Your student commutes to and from college and continues living in your home. 3) Your student lives in an apartment off campus with maybe a roommate or two.

    Now, if your student falls under category 3, you're going to need to have the insurance talk with them. Your student is going to have to have insurance for the apartment- there's no way around that. It might seem strange to them that they have to deal with homeowner's insurance while attending college, but it's for the best and is absolutely necessary.

    Insurance in Your Student's Future

    Now is the time where your college student should start becoming more aware of insurance and what it entails for them. After all, once college ends, they're going to have to be responsible for their own insurance needs. Start educating them, slowly but surely, with our insurance resources pages. We have short videos with explanations, and plenty of blogs to teach them tidbits of insurance info. Stay up to date by following us on Twitter and liking us on Facebook! Until then, if you have any insurance questions, be sure to contact us.

     INSURANCE QUESTION?

    Julia Kirslis

    Tags: home insurance, health insurance, student, insurance for the future, future, Auto Insurance, university, college

    Winter Weather Can Mean Frozen Pipes!

    Posted by Sue Bird

    Wed, Oct 05, 2011 @ 07:29 PM

    With the colder weather approaching us, now is an excellent time to learn more about how to avoid frozen pipes, and the subsequent water damage that can occur should those pipes expand and burst. Although sudden and accidental discharge of water from plumbing is covered under most homeowners’ insurance policies, it is always better to avoid this occurrence entirely.

    Keep your home and pipes safe from the cold winter weather with these tips and homeowners from Gordon Insurance

    To prevent frozen pipes:

    1. Leave the heat on in your home to a minimum of 55ºF during bitterly cold conditions.
    2. Remember to use all of your plumbing fixtures
      at some point during the day.
    3.  Drain and then cover all external faucets.
    4. During extreme cold, keep the indoor faucets
      running at a slow drip to maintain water flow.
    5. Should you experience a loss resulting in water damage,
      turn off the water supply as soon as possible. Homeowners should also contact a water mitigation specialist, such as SERVPRO, to dry out your home properly before mold or mildew can set in.

    And for more tips, resources, and for competitive quotes, visit the rest of our website.

    Learn more about homeowners insurance here.

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    Sue Bird

    Tags: home insurance, Construction and Maintenance, frozen pipes in winter, Plumbing, Tap (valve), Water damage, what to do with frozen pipes, winter weater, frozen pipes, winter weather, Business, shopping, water

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