Insurance can be confusing…we get it! But we’re here to help provide you with a better insurance experience. Learn more about what these common insurance terms mean so you can be prepared when looking for a policy.
For customer information or to get a quote, please visit our website at www.ShieldAgency.com .
Attention: 2019 tax filing season has started. Here’s what you can do now to get ready.
Shield Insurance Blog | Preventive Medical Services | Health Insurance |
With Marketplace coverage, you have access to free preventive services, like flu shots, check-ups, and screening tests. Getting these recommended services is an important step toward good health and well-being.
Shield Insurance Agency Blog | Millennials Buying Insurance |
Adulting (verb) – acting like an adult or engaging in activities usually associated with adulthood, often responsible or boring tasks.1
If you’re a millennial, you know this definition all too well. You’ve reached the age where you may be taking out student loans, buying or renting a place to live, having kids, and, ultimately, purchasing insurance. These major life events for millennials make it extremely important to have a financial security net. And that’s exactly what insurance is: a financial security net. So it’s troubling that a survey from Princeton Survey Research Associates International named millennials the most under-insured generation.
There are many reasons why people of all generations avoid purchasing insurance. It‘s often seen as a big investment, but that doesn’t necessarily mean that it’s an expensive one. In fact, insurance probably costs less than you think. For instance, according to the National Association of Insurance Commissioners (NAIC), millennials overestimated the cost of renters insurance by more than five times its actual cost per year.
Also, the complicated terms can make finding a policy a puzzling experience and the subject matter can be tough to digest. No one wants to think about being in a car accident, experiencing a break-in, losing everything in an apartment fire, or any other sort of bad, unexpected event. But these things can happen, so you’ll want to be prepared.
And don’t let any initial confusion or preconceived notions drive you away. You’re a millennial, after all! Your generation is always tackling new challenges and expanding the way the world works, oftentimes in brilliant ways.
Insurance provides essential financial protection for your future, so now’s the time to start “adulting” and take that first step.
Find a local independent agent and start protecting your finances today.
1 – Grammar Girl
Apparently, I fell off the face of the planet when it comes to car seat safety. Despite reading all the NHTSA tips for car seats, doing the safety checks, and experiencing Michigan winters my whole life, I have never, ever heard of winter car seat safety. If have a bundled-up little one, this is a must-read and must-share on your Facebook page to educate other parents.
First, let me divulge a few of the (brutally honest) thoughts that came to mind when I heard this:
A child may be buckled in tightly with their winter coat on, but in an accident, the impact of pressure would compact the bulk of the coat making the harness too loose to keep the child safe.
While I quickly thought of every reason why this was a bad idea, I landed on the one reason why this was a good idea: safety always comes first. The fact is, a child may be buckled in tightly with their winter coat on, but in an accident, the impact of pressure would compact the bulk of the coat making the harness too loose to keep the child safe. So, I called my local fire department and got these important tips that are pretty simple and much more do-able than I imagined.
The winter coat rule applies to children in car seats and for children in boosters if the seat belt system in the car does not automatically lock when the brakes are applied.
If you find your child’s coat is too bulky to buckle them in safely, here are some alternate options to keep your child warm:
For all the other snow-state mommies and daddies like me who didn’t know this…now you do! So, test the bulk of your child’s coat and keep them safe in their car seat this winter. Foremost encourages all parents to be safe while driving, especially with a child passenger.
I am feverishly preparing for what I consider to be a rite of passage: I’m hosting Thanksgiving for the first time. While I love to cook and host my family from time to time, there’s something extra intimidating about preparing the quintessential meal of the year. How do I manage to prepare a turkey, stuffing, potatoes, and vegetables at the same time? In one oven? Without a Thanksgiving Fire!? At this point, I have a spreadsheet listing what I need to do on Tuesday, Wednesday, and Thursday and the baking times and temperatures broken down in chronological order. (Thank goodness my mom is bringing the pumpkin pie.)
While I was researching ways to prevent the turkey from drying out, I stumbled upon this fact. According to the National Fire Protection Agency (NFPA), Thanksgiving is the peak day for cooking-related home fires. Add another thing to worry about to the list.
It’s pretty clear to see why 69% of all home fires on Thanksgiving are cooking fires. People are stressed and busy, which can lead to carelessness and inattention in the kitchen. Let me join the chorus and reiterate the NFPA’s tips regarding cooking safety:
Then there’s the use of turkey fryers, which the NFPA actually discourages. So does Underwriters Laboratory (UL), which will not certify any turkey fryers with their UL Mark. This video explains why UL finds those appliances dangerous.
According to the National Interagency Fire Center, 63,546 human-caused wildfires burned nearly 5 million acres in 2017. To put this into perspective, consider the size of New York City. At 92,781 acres, New York City could have burned 54 times over with that amount of acreage!
That’s 5 million acres that didn’t have to burn if the ‘you’ part of the wildfire equation had followed proper burning protocol.
Warm weather increases the wildfire threat to many parts of the country. That warmth and dryness entice many people to clean up their yards and burn the debris. If not properly controlled, these fires will grow to become uncontrollable. Fortunately, most human-caused fires are preventable when proper precautions are taken. Here are just a few things you can do to avoid starting a wildfire:
Every year, many families lose their homes and possessions to wildfires caused by humans. Don’t be a part of the statistics. Show your commitment to wildfire prevention, because your safety is number one to us!
To help educate your children on preventing wildfires, check out Smokey the Bear, he’s a pretty smart fellow.
Shield Insurance Blog | Mold Prevention | Start A Quote Today!
When excessive moisture accumulates in buildings or on building materials, mold growth will often occur, particularly if the moisture problem remains undiscovered or unaddressed.
The water inside pipes can freeze when outdoor temperatures drop below freezing. As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes.
Shield Insurance Blog | prepare your phone | Start a Quote Today!
Today, our phones are rarely outside of our reach. This makes them one of the best tools we have for quickly responding to an emergency situation and increasing the chances of a more positive outcome.
In most emergency situations, you would be the one to contact someone for help. So, it’s important to take a few minutes to research and save important emergency contact numbers on your phone so you can make the call immediately and get help faster.
There are also some emergency situations, like a bad fall or car accident, where you might not be able to communicate with first responders. For this reason, it’s important to take these two steps:
iPhone users can use the Health app on their phones to add their basic personal information, important medical details, and emergency contact numbers within the Medical ID tab and make them accessible from their lock screen. Just make sure you select “Show When Locked” and test it out after you’ve finished setting it up.
Android users can set up their lock screen message by going into their Settings, Users & Accounts, and then Emergency Information. Enter your medical information and emergency contact. Then test it out by locking your phone, swiping up, and tapping “Emergency” to find the information you entered.
Additionally, Android lets you put any message you want on your locked screen. To do this, open your Settings, go to Security & Location, and next to the Screen Lock tab hit Settings. Then, tap Lock Screen Message. Here, you can enter your primary emergency contact or important medication information so that it always displays on your locked phone screen.
Because it’s difficult to predict when or where an emergency will happen, it is a smart idea to update your phone now so that you’re prepared to handle any situation that comes your way in the future. Be safe out there!
Since 2006, Shield Insurance Agency has been an Endorsed Local Provider with Dave Ramsey.
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