|Insuring Your College Student|
Sending a child off to college is a significant milestone. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school. Coverage for your student’s personal property changes, and can depend on where they live while they are away at school.
Protecting Your Student’s Belongings
Many homeowners policies consider a dorm room as an extension of your home, so items your student keeps there may be covered to some extent. However, if your student has expensive electronic equipment or furniture, you may want to consider purchasing additional coverage.
If your student lives off campus, his or her possessions may not be covered by your homeowners policy. In that case, you may want to consider renter’s insurance. Renter’s insurance will cover possessions in your student’s off-campus apartment or house as well as provide liability coverage if someone is injured in the residence.
Changing Auto Coverage
If your student moves more than 100 miles away from your home to attend school and doesn’t keep a vehicle there, your auto insurance premiums could decrease. However, if your student does take their car to campus your auto coverage could change. Good Student rates and discounts still apply if your child has a 3.0 GPA. Documentation may need to be submitted in order to obtain discounts on your insurance program.
As you prepare to send your son or daughter to school this fall, remember to ask your Arthur Hall Insurance advisor to review your policy so that you and your student can make the transition to college as stress-free as possible. Call us today at 610-696-2394 to learn more about your best coverage options and how they can help to protect you.
Keeping Your Child Healthy While on Campus
In addition, you may want to reach out to your healthcare provider to discuss any considerations or restrictions. Many students can stay on their parents’ health plans if they are full-time students. However, restrictions vary greatly by state, and coverage could be even more complicated if your student is attending an out-of-state school or is a member of an intercollegiate sports team.
If you find your student doesn’t have coverage under your plan, you have a few options. Most colleges have their own health plans, but some policies have high deductibles and low coverage maximums. A few don’t offer any coverage for conditions present before entering the school, so be sure to examine plans carefully. Otherwise, you may want to consider an individual policy for your student.
|Vacation Tips to Keep Your Home Safe|
Ten Tips to Keep Your Home Safe While You’re Away
When preparing for vacation, it’s easy to overlook some basic home safety precautions. Keep these tips in mind to protect your home while you’re away.
- Unplug small appliances and electronic devices.
- Stop the newspaper and mail. Visit the U.S. Postal Service’s website to stop mail service online.
- Lock all windows and doors.
- Arrange to have your lawn mowed.
- Remove any house keys you keep outside our home, even if you think they are in a safe place.
- Set timers on inside lights. Install motion-activated sensor on outdoor floodlights.
- Consider turning off your home’s water.
- Have a trusted neighbor keep an eye on your home throughout your trip.
- Raise the temperature on your thermostat.
- Avoid posting photos of your trip on social media until after you return home.
Taking proper precautions before you go on vacation can make all the difference when it comes to preventing damage to your home. Accidents can still occur, and it’s important to ensure you have adequate insurance coverage. Contact your Arthur Hall Insurance Advisor to learn more.
|Tips to Make Halloween a Treat|
As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property.
Keep the following tips in mind to ensure Halloween is safe and happy for your family and guests.
AROUND YOUR HOUSE
- Make sure sidewalks, driveways and stairs are well-lit for visibility and clear of anything that may create a trip-and-fall hazard, especially if you anticipate having guests after dark for Halloween festivities.
- Avoid any potential hazard by keeping your family pets away from your Halloween guests and visitors. Even the friendliest of pets can become agitated or over-excited with an influx of Halloween visitors.
- Use extreme caution if you decide to place a burning candle inside a jack-o-lantern or around your home for added Halloween ambiance. Candles can be a fire hazard if not appropriately monitored. Consider using battery-operated candles or glow sticks as an alternative.
- Hand out only commercially-packaged treats to your neighborhood trick-or-treaters, .
- Supervise younger children as they go door to door, but remember to secure your home before leaving to avoid any potential thefts.
FOR THE PARTY HOST
If you host a Halloween celebration ̶ at home or at another location ̶ it is essential to evaluate whether you have appropriate insurance coverage in place. Serving alcohol to guests opens you to exposure for host liquor liability, meaning you could be held legally liable for serving alcohol to a guest who leaves your party and causes injury to someone else or causes damage to their property. If you are serving alcohol, consider the following tips to keep your exposures to a minimum while ensuring your guests have fun and remain safe:
- Ask that your guests designate a sober driver for the end of the evening.
- Consider hiring a professional bartender trained to recognize intoxication and limit alcohol consumption by partygoers, if necessary.
- Limit your own alcohol intake. As a responsible host, you’re better able to judge the sobriety of guests and can assist them in making alternative arrangements to get home safely.
- Stop serving alcohol toward the end of the evening and consider serving coffee and tea instead.
- Check your insurance policy if your party is being hosted away from your home. Your independent agent can review your homeowner policy to ensure you have the necessary liability coverage as well as off-premises property damage protection.
- Monitor your guests, and if any have had too much to drink, assist them in calling a cab or ask a non-drinking guest to take them home. Encourage all your guests to wear seatbelts on their return trip.
Call your Arthur Hall Insurance advisor to discuss your personal liability insurance coverage and any exclusions, conditions or limitations. Don’t be haunted by incomplete coverage; your peace of mind will help assure that Halloween is a treat.
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact Arthur Hall Insurance for coverage advice and loss control services at 610-696-2394.
(Shared from The Cincinnati Insurance Companies)
|Fig Kennett Female Influencers Spring 2018: Nicole Grebloskie|
Nicole Grebloskie enjoys giving back and promoting community pride, vitality, and partnerships so people can work together to create a great place to work, live, and play.
Although she once had thoughts of being a history professor, after graduating from West Chester University Grebloskie decided to join the workforce before applying to graduate school. She landed a job as an Account Representative at Arthur Hall Insurance and continued to follow this path. She’s now one of the partners at the firm, where she serves as Vice President of the Personal Lines Department. Her professional goals, she says, include continuing to increase her insurance knowledge and expertise so she can provide comprehensive advisory services and create insurance programs that cover all of their clients’ needs. Last year, Grebloskie obtained the Certified Advisor of Personal Insurance designation from the Wharton School.
Grebloskie leads a very full life outside the office as well. When she and her husband moved to Kennett Square in 2002, she says, “it was a natural transition for me to investigate different nonprofits and see where I could help.” She and her husband volunteered for the Kennett Brewfest and she joined the Historic Kennett Square special events committee. As she became more involved, she was appointed to the board of directors and spearheaded fundraising and special events efforts. She served as the HKS president in 2016 and 2017. For Grebloskie, it’s all about the partnerships that we make and can help create. “It’s important to me to raise a family in a vibrant cultural community,” she says, “where everyone has access to different resources —from community assistance programs to local establishments and recreational areas where they can enjoy their free time.”
As the daughter of Italian immigrants, Grebloskie has learned firsthand about what it means to take risks and make decisions that mold who we become. She places a strong value on hard work, planning, setting goals, learning from experience, and on focusing on the positive. And as a mom, wife, daughter, sister, friend, and team leader, she says, “I want to be the best version of me that I can be— knowing when to rise to a challenge, delegate or ask for assistance when necessary.”
Article courtesy of Fig Kennett Square https://figkennett.com/2018/03/female-influencers-spring-2018-nicole-grebloskie/
If you would like a copy of this issue of Fig Kennett, please contact Arthur Hall Insurance
|Be Prepared: Holiday Fire Safety at Home|
Four Fire Hazards and Tips to Avoid Them*
Picture your perfect holiday. Perhaps you hear family members laugh while the fireplace crackles in the background. Or you enjoy your favorite holiday meal surrounded by friends and the glow of candlelight in your carefully decorated dining room. With all the holiday buildup, you might not be thinking about fire safety. But you can help preserve these peaceful memories by doing a little preparation.
Nearly 156,000 fires occur during the winter holiday season, causing 630 deaths, 2,600 injuries, and approximately $936 million in property damage, according to the U.S. Fire Administration. “These are tragic losses at this time of year.” says James King, field technical manager for Chubb Personal Insurance. Here are four main fire hazards that every homeowner should know.
- Properly dispose of fireplace ashes. Ashes should be placed in a metal container, wet down and moved outside, far away from your deck, garage, woodpile, or anything that could catch fire. After about a week, check again for hot spots. If none are found, dispose of ashes in your outdoor trash bin and take the trash to the curb.
- Get your chimney inspected and cleaned before the holidays
- Check your detectors – smoke and carbon monoxide – to make sure they work, and replace them if needed.
- Never leave candles unattended or place them in high-traffic areas where children or pets might knock them over.
- Leave a two-foot circle of safety around candles. Do not light candles too close to holiday decorations or anything else that could catch fire.
EXTENSION CORDS AND HOLIDAY LIGHTS
- Don’t overload extension cords or use indoor cords outdoors. Turn off lights when sleeping or away from home.
- Check manufacturer labels to avoid a fire hazard. Do not connect more strings of lights together than recommended by the manufacturer.
- Keep extension cords out of reach of children and pets.
- Don’t run cords under carpets. The wire can fray or be pinched by heavy furniture and start a fire.
- Don’t nail or staple through the cord or holiday light wiring.
- Plug outdoor lights into circuits protected by ground fault circuit interrupters (GFCIs) to prevent electric shock. Older homes may not have GFCIs, but it’s a fairly inexpensive fix.
- Inspect all extension cords and holiday lights for frayed wire, cracked insulation or excessive kinking before using them.
- Store cords and lights in a dry attic or closet out of season, and consider replacing inexpensive lights every few years.
- Don’t use extension cords. Plug these energy-demanding machines directly into a wall.
- Check the circuit to make sure it can handle the added demand.
- Don’t leave space heaters unattended, and when not in use, turn off and unplug them.
- Never remove the third-prong grounding feature, and plug the heaters into GFCIs for added safety.
*Holiday Fire Safety at Home courtesy of CHUBB.
This information is advisory in nature. No liability is assumed by reason of the information in this document.