We all look forward to a vacation break during the summer months; but, in fact, so do burglars who know that homeowners many times leave their homes unprotected. However, most burglaries could be prevented if we take basic precautions.  According to the Insurance Information Institute (III), light, time and noise are the homeowner’s greatest weapons against home invasion by burglars.

• According to the FBI, more home burglaries occur in June, July and  August than in any other months of the year with August being the heaviest month. Don’t allow your home to become another statistic during these months (or ever!).
• Do not announce your travel plans to the public; you can post your pictures when you return.
• Notify a trusted neighbor of your travel dates.
• Ask a neighbor or someone you trust for simple favors such as: putting your garbage out, Clearing away flyers, notes, and packages left in doors.
• Never hide a key. Give it to the trusted person you have checking your home.
• Properly close and lock all windows and doors – including  your garage.
• Do not let valuables be seen from the outside of your home, but leave curtains slightly parted so your home doesn’t look empty.
• Put a temporary stop on the delivery of mail and newspaper.
• Document and mark your valuables either by making a list or taking pictures. Store important documents in a security box somewhere other than your home. This will help you file an insurance claim in the event of a lost or stolen item. This tip is also useful in case of natural disasters.
• Have your answering machine message say, “Sorry we can't come to the phone" instead of “We are away until next week”.

The III reports that a burglar won’t spend more than 4-5 minutes trying to break in before going to the next house. Most insurance companies provide discounts for devices that make a home safer such as dead-bolt locks, window grates, bars and smoke/fire/burglar alarms.

Before you take that long-awaited vacation, consider contacting your insurance agent for further suggestions and to find out just how your home is protected against burglaries and theft of your valuables.

As hybrid and electric vehicles become more popular, advocates for the blind are reporting concerns about the lack of operating noise.   It seems these green vehicles just don’t produce enough noise – especially at low speeds – to warn pedestrians.  A 2009 government study found collisions with pedestrians and bicyclists more prevalent among hybrids than among gasoline-powered vehicles.

Some auto makers are already working toward producing synthetic noise in their hybrid and electric vehicles.

For example, the electric Nissan Leaf emits a whooshing sound at low speeds.  Likewise, the Chevrolet Volt optionally produces a chirping sound and activates flashing lights if the driver activates the alert system.  Others like the Infinity M35 and the Hyundai Sonata hybrid also produce such synthetic sounds.

To move the effort along, President Obama signed a law in January, 2011, designating a 2014 deadline for equipping these hybrid and electric models with synthetic sound that can be heard by pedestrians.

It’s every homeowner’s nightmare:  arriving home from a long-awaited vacation to find that your house has suffered water damage in major proportions! 

Could this have been avoided? 

Follow these few tips to avoid water damage in your home while you are away relaxing…

• Turn off your water main shut off valve to your plumbing system.
• If the water heater is in good condition, turn the thermostat to vacation on a gas water heater. On an electric water heater turn the breaker off at your main electrical breaker box, to avoid wasting energy.
• Walk around the outside of the home; make sure nothing is leaking before you leave the house.
• If you have an indoor hot tub, it may be wise to drain the water out to prevent any leaks or electrical malfunctions.
• Designate someone you trust to check that nothing has broken or continues to run while you’re gone.
  • Leave the following information with this person:
  • The phone # of where you are staying or your cell phone #.
  • Give them 3 business cards. Yours, Your Insurance Agent’s and SERVPRO of Hunt Valley’s (just in case).
  • The phone # of a person who you would allow to make decisions for you in your absence.
  • It is wise to also leave this information in your home somewhere so that the person will see it when they are in the home.

Better to be safe than sorry…

Do you know whether water damage from appliances or some other source around your house is covered by your homeowners insurance.  Why not check with your insurance agent before leaving home – just to be sure.  Your agent can help you discover what protections you have and might even have some further tips to keep your home safe.

You've done your homework.  You've compared various models and makes to find the car with the best gas mileage and feature package to meet your needs.  You've even considered resale value.  But have you looked at the most recent crash test results?  Do you know your vehicle's safety rating? Is your chosen car, truck or SUV on this year's Top Safety Picks by the IIHS?

Why is Safety Rating Important?

Your insurance company uses a vehicle's crash test rating as part of their criteria in determining the risk, and the level of risk has a significant impact on the insurance rate and therefore on your premium.

What Else Does the Insurance Company Look At?

Safety features also impact the insurance rate. Vehicles with similar prices may often have very different auto insurance premiums simply based on the vehicle's safety features. A car priced at $28,000 may be much less expensive to insure than a car priced at $21,000 if the higher-priced vehicle includes ABS brakes, side and front airbags and other safety features not included on the cheaper model.

Get all the details about Auto Insurance, this year's Top Safety Picks, Crash Testing and more.

If you have auto insurance, you probably already know that many factors influence your premium, and they include your credit score and driving record, where you live, how you use your vehicle and much more.  You might not know, however, that your vehicle's industry safety rating is also a factor.

Each car insurance company analyzes the industry rating and replacement value as well as safety features, safety record and more for each car, truck, van and SUV to determine the risk level of the vehicle. They examine the risk of insuring the vehicle by considering such things as the amount of glass in the vehicle, whether or not it has anti-theft devices, acceptable airbags, anti-lock brakes, traction control, daytime running lights and more.  Moreover, the crash test results are significant in their rating process.

All vehicles in the U.S. are evaluated for performance during crash testing (such as the testing performed by the Insurance Institute for Highway Safety).  Typically, the higher the crash test rating a vehicle earns, the lower the risk assigned to it.  This impacts auto insurance rates. 

The Insurance Institute for Highway Safety (IIHS) performs exhaustive testing on all sizes of cars, vans, SUVs and trucks.  Each year, the IIHS publishes its list of Top Safety Picks which are based on five criteria:

• Good Frontal Crashworthiness based on a 40MPH frontal offset crash test
• Good Side Crashworthiness  based on results when the vehicle's side is struck by a barrier at 31MPH
• Good Rollover Crashworthiness based on testing of the roof strength as compared to vehicle weight
• Good Rear Crashworthiness based ont he structure of the head restraint and a test of the seat and head restraints in the vehicle.
• Electronic Stability Control which is a measure of the degree to which a driver can maintain control when a vehicle might spin out

It is worthwhile to look closely at the crash test rating before purchasing a vahicle.  In fact, we advise that you speak to an insurance agent such as those at the Sparks Insurance Agency to find out about insurance rates before signing your next vehicle purchase agreement.

Get more details about Crash Testing by IIHS

Learn more about Auto Insurance

See a list of this year's Top Safety Picks

Find out about insurance rates before your purchase your next vehicle