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Shield Insurance Agency Blog

Fall is here! Sep 28, 2017
Guess what? It is Autumn, and it is never too early to start preparing your home for the winter months. 


Here are a few suggestions to get you started while the weather is still mild.  

1.  Check and clean out all of your gutters of all debris (do this after all of the leaves have fallen).

2. Inspect all of the siding around your home, something that may be loose right now, will be gone when we get those nice winterly gusts that are just around the corner. Brrrrr

3.  Be sure to check all of your water drainage areas and make sure they are all free and clear of all blockages.

4.  Time to clean the garage, so you have a place to park your car before the snow flies.

5.  Fertilize your lawn. If you fertilize your lawn now, it will prevent winter damage and those pesky spring weeds that you just enjoy to pull once it gets warm outside!

6.  Organize your shed/ garage so that all of the yard toys and gadgets get the back of the shed and the snowblower and snowshovels get in the front. 

7. Put away your seasonal furniture, flower pots and yard decor. 

8.  Check your trees that are very close to your home, they may be hanging low now, but with a few inches of thick wet snow they will become much lower, so if you trim the trees and hedges now, it will be much more easier than trying to do it  in a blizzard!

Of course, these are just a few suggestions for the weather that we have approaching us, but while we are still in our shorts and it feels like summer, better to get it done now, than later!!!

Have a wonderful Fall season!!!!

Submitted by Dawn
Other drivers in household? Sep 10, 2017

One of the many questions we ask while preparing an auto quote is if there are other drivers in the household.  Here are some of the reasons why:

First off, under Michigan’s No-Fault rules, if someone ( let’s call him Marvin) is in an Auto accident and needs medical attention, Marvin’s auto insurance will end up paying those medical bills.  It doesn’t matter if Marvin caused the accident or if he got hit.  It doesn’t even matter if Marvin was walking down the street and got struck by a car, Marvin’s auto insurance will get that bill.

Now if Marvin doesn’t have auto insurance, guess who would be next in line to get those bills?  If Marvin lives with someone, that person’s auto insurance would be next in line.

So that’s why the insurance companies want to know who lives with you.  If your roommates are driving without insurance, there’s a good chance a medical bill would land in your insurance company’s mailbox.

submitted by Joe
Home Safety Tips Aug 4, 2017
?I follow the blog of a family friend who is a real estate agent and he recently had some great tips on keeping your home safe - safer than you think it might already be.  I thought this was too great of a list not to share.

Home is a place you should feel safe and secure. Sometimes, we take it for granted and unfortunately, we do need to remain vigilant about things we do that could compromise our safety. Here are a few tips to consider:

Everyone loves an inviting home including burglars. Make sure it looks occupied and is difficult to break in.
Always lock outside doors and windows even if you’re only gone for a brief time.
Lock gates and fences.
Leave lights on when you leave; consider timers to automatically control the lights.
Keep your garage door closed even when you’re home; don’t tempt thieves with what you have in your garage.
Suspend your mail and newspaper delivery when you’re out of town or get a neighbor to pick it up for you.
Posting that you’re out of town or away from home on social networks is like advertising your home is unprotected.
Equally dangerous could be allowing certain social network sites to track your location.
Don’t leave keys under doormats, in flowerpots or the plastic rocks; thieves know about those hiding places and even more than you can think.
Trim the shrubs from around your home; don’t give criminals a place to hide.
Use exterior motion detectors and yard lighting.
Have an alarm system and use it when you leave home and go to bed.
Put 3 ½” deck screws in door plates and door hinges.
Have good deadbolts on all exterior doors.
Exterior doors should be solid core.
?
submitted by Tammy
All Season tires Versus Winter/Snow tires May 25, 2017

All Season tires versus Winter/Snow tires:


 The tread compound of all-season tires can harden in low temperatures, so there's less traction between the road and your tires.  But winter tires use special rubber compounds that stay pliable in the cold, giving them better grip and improved braking, even in extreme conditions.

 Sometimes Michigan cold temperatures tend to drag on for longer periods of time.  If it's still below the 45-50 degree mark, leave the tires on. If the temperatures are well above freezing, 50s and above,  then make sure to get those winter tires off and get your summer tires placed back on your vehicle.  The longer you leave your winter tires on, the faster your treads are going to wear off your tires. 

 I absolutely love my winter tires!  They help out my vehicle a lot! But I will not take them off until the freezing temperatures are over.  Since Memorial Day is almost here, I would definitely say "get those winter tires off of your vehicle".  :)

Submitted by Dawn
How to Get the Rust Off a Trailer Hitch May 17, 2017
If you tow a camper, boat or trailer you may notice your trailer hitch rusting. Prevent this with proper maintenance, regular use and wax and/or painting. But if you have an existing hitch that's rusted, there are several ways to remove the rust.
Removing Rust From Chrome Hitch
If you have a chrome ball, or chrome hitch that's showing signs of rust, simply ball up a piece of aluminum foil, dip it in white distilled vinegar or Coca-Cola and lightly rub the rusty spots. Rinse with warm water and dry with a soft clean rag. Follow up by polishing with two coats of any brand carnauba car wax.
Removing Rust from Iron Trailer Hitch
If you have an iron trailer hitch or hitch ball that's beginning to rust you can remove the rust with Naval Jelly. First, remove any loose or flaking rust with a wire brush. Then apply Naval Jelly and allow it to sit for 5 to 10 minutes—no longer than 15. Rinse and repeat if any rust still remains. Dry the metal and paint with an oil-based paint within 24 hours to prevent the return of the rust.

Submitted by Joe
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