Summer is officially upon us!
School's is almost out and it's time to visit the pool and fire up the grill. Hopefully you enjoyed a relaxing Memorial Day weekend and are ready for the hot days that follow.
As your insurance agent, I want to remind you of a few important grilling safety tips:
• Check grill hoses for cracking, brittleness, holes and leaks before use.
• Always keep propane gas containers upright and keep gas hoses as far away as possible from hot surfaces and drippings.
• Never keep a filled gas container in a hot car trunk.
• When using barbeque grills on decks or patios, be sure to leave sufficient space from siding and eaves.
• Keep in mind that charcoal produces carbon monoxide gas. Make sure it is only burned outside and in well ventilated areas.
June Home Maintenance Tips
• Exterminate rodents and bugs, inside and out.
• Check for leaky faucets and pipes.
• Change your furnace filter.
• Clear out gutters.
• Wash the exterior walls of your home and garage.
• Examine caulking.
• Don't forget to water and fertilize plants at least twice a week.
• Clean outdoor furniture once a week to once every other week.
• Oil and sharpen all tools and equipment.
• Mow grass once a week or every 10 days.
Thank You For Your Referrals! These clients all earned referral rewards this month:
• Meredith Lancona
• Julie Bullock
• Judy Jean
• Arshad Arshi
• Richard Janics
• Derek Torok
• Steve Perez
• Wetzel Hill
• Jimmy Hoey
And the winner in our monthly $50 giftcard drawing is Jimmy Hoey! Thanks for sharing our agency with your friends and family!
You can read more about our Referral Rewards here. http://farconeinsurance.com/Referral-Incentive
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Tuesday, June 8, 2010
Wednesday, April 7, 2010
How Life Insurance Works for You!
What is the best way to assure your family's survival if something were to happen to you?
The simple answer is: Life Insurance...
There's a lot of confusion around the benefits and purpose of life insurance. But at its heart, life insurance is there to help survivors keep their lives intact if something were to happen to the main breadwinner.
Why do you need life insurance?
Life insurance has different value depending on your stage of life...
When you are younger and working, life insurance is there to provide funds to pay off the mortgage, provide income, and pay for education for the surviving family.
As you age, life insurance can be an important part of estate planning because life insurance (structured correctly) is exempt from estate tax!
What are the types of life insurance?
These days, insurance is more complicated and varied just like life itself. However, there are still two main types of life insurance:
• First is term insurance. Like the name says, it has a "term" of years which the insurance covers and then it evaporates. It is the least expensive form of insurance if you are under age 50 and the term is often lined up to expire with your retirement date.
• Second is whole life insurance. As the name implies, this insurance stays with you for your "whole life." The chief advantage is that in the years when you most likely will use it, you will be insured. As long as you continue to pay the premiums, it will never be cancelled.
So, what is the cost of life insurance?
Life insurance is paid by the holder in annual or monthly premiums. These premiums come down to a math formula based on the likelihood you will use the insurance.
If you are young and healthy, your premiums are less. The older you are, the higher the premiums. Of course, the younger you are, the longer you will pay the premiums...
There are a host of choices in life insurance and it would make a lot of sense to discuss these with a professional ahead of making a decision.
The simple answer is: Life Insurance...
There's a lot of confusion around the benefits and purpose of life insurance. But at its heart, life insurance is there to help survivors keep their lives intact if something were to happen to the main breadwinner.
Why do you need life insurance?
Life insurance has different value depending on your stage of life...
When you are younger and working, life insurance is there to provide funds to pay off the mortgage, provide income, and pay for education for the surviving family.
As you age, life insurance can be an important part of estate planning because life insurance (structured correctly) is exempt from estate tax!
What are the types of life insurance?
These days, insurance is more complicated and varied just like life itself. However, there are still two main types of life insurance:
• First is term insurance. Like the name says, it has a "term" of years which the insurance covers and then it evaporates. It is the least expensive form of insurance if you are under age 50 and the term is often lined up to expire with your retirement date.
• Second is whole life insurance. As the name implies, this insurance stays with you for your "whole life." The chief advantage is that in the years when you most likely will use it, you will be insured. As long as you continue to pay the premiums, it will never be cancelled.
So, what is the cost of life insurance?
Life insurance is paid by the holder in annual or monthly premiums. These premiums come down to a math formula based on the likelihood you will use the insurance.
If you are young and healthy, your premiums are less. The older you are, the higher the premiums. Of course, the younger you are, the longer you will pay the premiums...
There are a host of choices in life insurance and it would make a lot of sense to discuss these with a professional ahead of making a decision.
Wednesday, February 10, 2010
Choosing a safe new car
You know... Nothing beats the new car smell when you sit in a brand new car.
But how do you know how safe your new car will be if you are ever in an accident?
It is simple: before you buy a new car, research the crash rating tests for that vehicle and check for some important safety features.
The easiest way to check for safety of a model of car is to go to the government-sponsored web site, www.safercar.gov.
Here you will find the results of safety tests for every model of car sold in the US through a simple search.
How do they rate auto safety?
Three tests are conducted and models are rated from one to five stars for each test with five being the best.
1. The first test is for a head-on collision with a fixed barrier at 35 mph. To get five stars, the auto needs to have less than 10% chance of serious injury to front-seat passengers.
2. The second test measures a side impact crash with another automobile travelling 38 mph. To receive five stars, there needs to be less than a 5% chance of serious injury for any passenger.
3. The last test is a rollover test since more than 10,000 people die of rollover crashes each year. Again, to get a five-star rating, there needs to be less than 10% chance that any passenger will suffer serious injury during a rollover.
Finally, at the same site, you can see descriptions of the latest safety equipment you may want for your vehicle:
• Electronic Stability Control
• Side Impact Airbags
Remember that wearing a seat belt reduces your chances of serious injury by up to 75% if you are in an accident.
All of us here at Farcone Insurance Agency, Inc. wish you safe driving.
Sincerely,
Jerry Farcone
Farcone Insurance Agency, Inc.
www.farconeinsurance.com
888-327-2663
But how do you know how safe your new car will be if you are ever in an accident?
It is simple: before you buy a new car, research the crash rating tests for that vehicle and check for some important safety features.
The easiest way to check for safety of a model of car is to go to the government-sponsored web site, www.safercar.gov.
Here you will find the results of safety tests for every model of car sold in the US through a simple search.
How do they rate auto safety?
Three tests are conducted and models are rated from one to five stars for each test with five being the best.
1. The first test is for a head-on collision with a fixed barrier at 35 mph. To get five stars, the auto needs to have less than 10% chance of serious injury to front-seat passengers.
2. The second test measures a side impact crash with another automobile travelling 38 mph. To receive five stars, there needs to be less than a 5% chance of serious injury for any passenger.
3. The last test is a rollover test since more than 10,000 people die of rollover crashes each year. Again, to get a five-star rating, there needs to be less than 10% chance that any passenger will suffer serious injury during a rollover.
Finally, at the same site, you can see descriptions of the latest safety equipment you may want for your vehicle:
• Electronic Stability Control
• Side Impact Airbags
Remember that wearing a seat belt reduces your chances of serious injury by up to 75% if you are in an accident.
All of us here at Farcone Insurance Agency, Inc. wish you safe driving.
Sincerely,
Jerry Farcone
Farcone Insurance Agency, Inc.
www.farconeinsurance.com
888-327-2663
Wednesday, January 6, 2010
Financial Review! Add “insurance policy checkup” to your to-do list!
A financial review may not be at the top of everyone’s New Year resolution list. But as homeowners start 2010, they should add “insurance policy checkup” to their to-do list.
During the course of a year, many changes could affect the insurance coverage. The addition of a room or a major room remodel; new appliances or electronics bought or received during the holidays; or a homeowner retiring from a job and now spending much more time at home could all be changes that affect the cost and type of homeowner insurance needed. In these tough economic times, a thorough policy review could also save some money.
“Now is the best time to make the necessary changes to your homeowner insurance,Just as homeowners may change batteries in smoke detectors or begin to prepare their taxes, they should add an insurance review and home inventory to their New Year’s priorities.”
While most homeowners agree that it’s their responsibility to keep their insurance updated, less than a third said they had done so in the last year, according to a statewide poll. Many homeowners also think they have coverage for earthquake and flood damage, even though most standard homeowner policies exclude both.
A year-end insurance check-up should include:
An analysis of the reconstruction cost of the home, including the adjusted costs of materials, labor and upgraded building codes;
A thorough home inventory matched with sufficient coverage for all the homeowner’s possessions; and
A review with an agent or insurance company representative to understand qualifying discounts.
Homeowners should also know that by increasing the deductible, the cost savings may offset an increase in coverage.
For more information on reviewing your insurance coverage and related subjects, visit www.farconeinsurance.com or call us at 888-327-2663.
During the course of a year, many changes could affect the insurance coverage. The addition of a room or a major room remodel; new appliances or electronics bought or received during the holidays; or a homeowner retiring from a job and now spending much more time at home could all be changes that affect the cost and type of homeowner insurance needed. In these tough economic times, a thorough policy review could also save some money.
“Now is the best time to make the necessary changes to your homeowner insurance,Just as homeowners may change batteries in smoke detectors or begin to prepare their taxes, they should add an insurance review and home inventory to their New Year’s priorities.”
While most homeowners agree that it’s their responsibility to keep their insurance updated, less than a third said they had done so in the last year, according to a statewide poll. Many homeowners also think they have coverage for earthquake and flood damage, even though most standard homeowner policies exclude both.
A year-end insurance check-up should include:
An analysis of the reconstruction cost of the home, including the adjusted costs of materials, labor and upgraded building codes;
A thorough home inventory matched with sufficient coverage for all the homeowner’s possessions; and
A review with an agent or insurance company representative to understand qualifying discounts.
Homeowners should also know that by increasing the deductible, the cost savings may offset an increase in coverage.
For more information on reviewing your insurance coverage and related subjects, visit www.farconeinsurance.com or call us at 888-327-2663.
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