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When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance.

Certain losses are excluded from most homeowners insurance policies. Standard homeowners insurance policies don’t cover floods or earthquakes. If you want coverage for flood or earthquake damage, you will need separate policies for those. If you are in a flood zone, your mortgage lender may require you to purchase flood insurance.

We all know that our credit score is important for many things. Did you know it can also affect your homeowners insurance premium? Some states have banned this practice; however, in most cases your credit score can affect your insurance premium. The better your credit rating, the lower your premium. So while you’re spiffing up your credit rating to get a good deal on your mortgage loan, you should maintain a good rating to save money on your homeowners insurance.

Poor home maintenance may cause a claim to be denied. Not all damages are covered by homeowners insurance. If the damage that occurred to your home is due to your failure to properly maintain your home, your claim may be denied. When it comes to home maintenance, don’t be a procrastinator!

While you are living in your new home, you will acquire new valuables, personal possessions, and may do some home improvements. You should always report these to us right away so we can ensure your coverage is sufficient for your investment. Enjoy your new home, you deserve it!

Source: https://www.hsh.com/first-time-homebuyer/facts-about-home-insurance.html

On average, the roughly 1.5 million to 2 million people in the U.S. who drive for both Uber and Lyft earn $18.15 an hour before expenses. Just one car accident, though, could easily eat up that money—and more. That’s why Uber and Lyft drivers likely need separate rideshare insurance to supplement both personal auto insurance and the coverage that’s automatically provided by rideshare companies. A driver’s financial stability could ride on whether they’ve got rideshare insurance.

To understand the insurance for rideshare driving, it’s important to know the three phases while a rideshare app is on:

1. Available: The driver is available to pick up a passenger.

2. En route: The driver has accepted a ride and is on the way to pick up the passenger.

3. On the trip: The driver has picked up the passenger and is on the way to the passenger’s destination.

When an Uber or Lyft driver’s rideshare app is off, their personal auto insurance applies. But when the app is on, Uber and Lyft provide some coverage on the driver’s behalf. Personal auto coverage typically excludes rideshare trips. That’s because your auto insurance company has priced the policy assuming you’re driving yourself, relatives and/or friends, and that you aren’t earning money from private trips and putting a lot of extra miles on your car.

As a result, a rideshare driver’s personal auto policy typically won’t supply coverage while you’re making rideshare trips. A rideshare driver might be happy with the insurance provided by the rideshare company, especially if the driver carries only the minimum personal auto insurance required by the state. In those cases, a million dollars in liability coverage from Uber can look like a major bonus.

But, there can still be gaps, which is where rideshare insurance comes in. For example, rideshare companies don’t provide collision or comprehensive insurance when the app is on and the driver is waiting for a ride request. And a personal auto policy that includes collision and comprehensive likely won’t cover that period. So, if you accidentally back into a pole, you’d have no insurance for the damage. Without additional rideshare coverage from their personal auto insurer, drivers may find their existing coverage may not apply to a loss that occurs while they are acting as a rideshare driver.

We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs!

Source: https://www.forbes.com/advisor/car-insurance/rideshare-insurance/

winter driving

Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep you, and others around you, safe on the road this winter.

Recognize Local Forecast

Changing winter weather can present hazards for drivers unaware of the local weather forecast. Knowing when ice may be present is an important first step. If you plan to drive in an area where snow or ice may be possible, check conditions in advance. You can sign up for weather alerts to receive text messages and optional alerts for your area. Just make sure not to use your smartphone while driving, as you will want your full concentration on the road.

Be Aware of Other Drivers

Even if you know the area and are familiar with driving on icy roads, other drivers may not be as experienced or aware of potential dangers. It’s important to increase your following distance to compensate for the increased stopping time it can take for you and other drivers to stop on slick surfaces. Be aware that larger vehicles, such as tractor-trailers, may require even longer to stop in adverse weather conditions.

Practice Caution in All Vehicle Types

While four-wheel drive, all-wheel drive, Electronic Stability Control and other safety features can help you to drive more safely in the snow and ice, they may not be able to help drivers to safely drive at regular speed limits during snowy, slushy or icy conditions. The National Safety Council recommends a three-second following distance during ideal road and weather conditions, and suggests slowing down and increasing following distances during adverse weather conditions or when visibility is reduced. Depending on your vehicle and where you live, you may want to consider whether snow tires are necessary in the winter months.

Expect Changing Road Conditions

Even the day after a storm, road conditions can remain challenging as road crews work to clear snow and ice. The roads may be clear in one area and icy in another due to elevation, road treatment and other factors. Freezing and melting precipitation can create new dangers overnight. As air temperatures rise above 32 degrees, roadways may retain pockets of ice that can be dangerous to drivers.

Know Where to Stop Safely

Deciding to stay home or to get off the roads when conditions turn icy can be a smart safety decision. Make sure that you choose a safe spot to wait for conditions to improve. Rest stops and parking lots are generally safer than the side of the road, where limited visibility may create hazards from snowplows and other traffic.

Encourage Safe Driving

If you have friends or family planning to travel during the winter months, offer them a chance to opt-out of travel if conditions appear hazardous. For parents of newer drivers, consider creating rules about driving in snow and ice, and talk with your teens about the importance of changing their driving behavior during the winter months.

Icy conditions may present challenges for drivers, but there are steps that you can take to stay safer and to anticipate potential hazards. Know the local weather forecast, slow your speed, increase your following distance, allow yourself extra travel time and be prepared for unexpected icy conditions on the road. Just like other people’s driving, winter weather can be unpredictable.

But even the safest, most experienced drivers can get into an accident. That’s why it’s important to have the right insurance to protect you and your vehicle. At A.C. Marmo & Sons, Inc., your road safety is very important to us. Call us at 973-340-9100 or visit our website at https://www.acmarmo.com/ to discuss your auto insurance needs.

Source: https://www.travelers.com/resources/auto/safe-driving/how-to-drive-in-icy-conditions

animals-dog-cat-crop

The holidays are filled with joy, laughter and time spent with family and friends. In the bustle of the season, however, it’s easy to forget these festivities aren’t always pet friendly. We at A.C. Marmo & Sons, Inc. know how important our pets can be to the whole family. Here are some reminders to keep your furry friends out of the vet clinic this holiday season, and visit us at https://www.acmarmo.com/ to consider us for your pet insurance needs.

When Decorating

Many traditional holiday decorations can be toxic to your pets. Plants that are typically used such as poinsettias, lilies, ivy, pine, and mistletoe can cause harm to your pets. Christmas trees can also be dangerous. Prevent your dogs or cats from chewing on limbs or pine needle droppings from the tree. Ingested pine needles could get lodged in the intestinal tract, puncturing the lining or bunching together and causing an intestinal obstruction. When decorating the tree, position your tree’s lights and tinsel draping away from the bottom of the tree where pets can get to them. The water base of a Christmas tree contains dangerous chemicals that could harm your pet. Don’t leave candles unattended. Pets may burn themselves, or accidentally knock them over and spill wax or start a fire.

Having Guests

Spending time with family and friends is part of the holiday fun. However; if you have guests coming in and out of your home this may be stressful to pets. Though the excitement of a party may overwhelm some pets, keep your pets inside during cold weather and provide plenty of toys to keep them busy. If needed, provide your cat or dog with a quiet room or crate during holiday parties and/or prepare ahead of time to discourage barking. Inform your visitors ahead of time that you have a pet.

Dinner Time

Holiday meals are a crowd favorite. Many guests may be tempted to share the goodies with your pets. Verify with them what is and is not safe for pets before they do. If your pets will be partaking in your dinner festivities, only share pet safe foods. Foods your pet can safely eat include: pumpkin, green beans, peas, carrots, apples (never the core or seeds), spinach, winter squash, corn (no cobs, as they can cause intestinal blockage), melon, berries, and bananas. Bones should not be given because they easily splinter and can cause serious health problems (even death) for your pet. Chocolate—which is toxic to dogs, cats and ferrets—and any candy containing the toxic sweetener Xylitol should be avoided. Keep foods containing citric acid away from your pets. Foods such as cherry pits, peach pits and apple seeds contain essential oils that have the ability to cause irritations and even central nervous system depression if a significant amount is ingested. Coffee grounds, beans and chocolate-covered espresso beans should be kept out of reach. Raw eggs, grapes and raisons, nuts, onions, and salt should also be kept out of your pet’s food dish.

We hope these tips can help you and your pets have a great holiday season. Visit us at https://www.acmarmo.com/ to view our pet insurance options for peace of mind with your pets safety all year round. Warm wishes from all of us at A.C. Marmo & Sons, Inc.

Sources: https://www.humanesociety.org/resources/holiday-safety-tips-pets and https://www.purina.com/articles/dog/care/5-holiday-safety-tips-for-pets and https://www.billingsanimalfamilyhospital.com/holiday-food-for-pets/

Thanksgiving-Feast

Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.

  1. Stay in the kitchen when cooking on the stove top.
  2. Stay at home when cooking your turkey and check it frequently.
  3. Keep children at least 3 feet away from the hot stove.
  4. Heat cooking oil slowly and watch it closely; it can ignite quickly!
  5. Keep a lid nearby to smother small grease fires. NEVER throw water on a grease fire!
  6. Always use turkey fryers outdoors and on level ground.

In 2017 the U.S. fire department responded to an estimated 1,600 cooking fires on Thanksgiving. Keeping fire safety top of mind in the kitchen during the holiday will keep you from having a Thanksgiving disaster! A.C. Marmo & Sons, Inc. hopes you and your family have a safe and joyous Thanksgiving!

Sources:
https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Thanksgiving
https://www.dhs.gov/blog/2010/11/24/thanksgiving-safety-tips-us-fire-administration-usfa