First Community Financial Group, Inc. Blog
10 Questions to Ask Before You Buy an Electric Car
If You’re Considering an Electric Car, Be Sure to Do Your Homework!
Depending on your lifestyle, an electric car can be a great alternative to a gas car. However, before embracing something new, consider these factors:
10 Questions to Ask Before You Buy an Electric Car | U.S. News (usnews.com)
According to the CDC, thousands of people die in drunk driving related accidents each year.
Learn how you can prevent alcohol abuse and raise awareness by having a conversation with your friends and family.
What Works: Strategies to Reduce or Prevent Alcohol-Impaired Driving | Motor Vehicle Safety | CDC Injury Center
Impaired Driving: Get the Facts | Motor Vehicle Safety | CDC Injury Center
Everyone loves vacation.
But, vacationing in your own seasonal home? Even better.
However, there’s a lot to consider when it comes to protecting your investment in a vacation home, and you definitely want to protect it. We here at First Community Financial Group can help by making sure you have the insurance coverage you want.
To that end, here are four things that may impact the coverage you choose and how much you’ll pay for it:
1. Separate Policy: Your seasonal home won’t be part of your primary property policy. It needs its own policy, and you can expect it to be similar to the one for your primary residence. However, you do need to watch out for “named perils” coverage, under which your policy explicitly lists the perils it will cover. If a peril isn’t listed, no coverage. We typically steer homeowners away from this type of coverage, in favor of broader coverage.
2. Location and Occupancy: The “where” of your vacation home is no doubt among the primary reasons why you bought it. But, it will also impact your insurance costs. Rural areas are hard for emergency responders to reach, and waterfront homes are prone to flooding. These added risks can mean added insurance costs, such as the need for a separate flood policy. If the home is unoccupied or rented for much of the year, there are even more insurance considerations.
3. Personal Property: Establishing and maintaining a separate inventory of the things you keep at your vacation home will help you select an appropriate level of personal property coverage. If it’s filled with expensive skiing and snowboarding gear, for example, you may need increased coverage or to schedule some of the more valuable items separately.
4. Extra Liability Protection: If you plan to regularly host guests at your summer or winter retreat, you should consider an umbrella policy, which will help to increase your liability limits in case someone is seriously injured on your property. This can go for invited and uninvited guests alike.
We know you want to relax and enjoy your chosen spot in the sun – or snow. Having the right insurance coverage helps you do just that, so give us a call and let us help today, so you can rest easy tonight.
Whether your East Texas home is a three-story Tudor, a skyline-grazing apartment or an RV on wheels, you need at least one fire extinguisher for it. But if you don’t have the right one, or you haven’t checked it recently, you may have a false sense of security rather than a fire-fighting device.
There are a few important things to know about fire extinguishers, but they aren’t complicated. Here are three things to help you get up to speed:
1. There are extinguishers for each type of fire. Class A: ordinary combustibles, such as wood; Class B: flammable liquids or gasses, such as gasoline or propane; Class C: energized electrical equipment like appliances; Class D: combustible metals; and Class K: cooking oils and greases. An extinguisher that isn’t rated for the fire you’re trying to fight likely won’t help.
2. Multipurpose extinguishers are widely available. Typically rated for Class A, B and C fires, they are good for most living areas and also work on small grease fires. You need at least one for each level of your home, and one in the garage is a good idea, too. Store them in an accessible area and inspect them regularly for rust and other damage. Also follow any maintenance instructions included with the device. Some need to be shaken regularly, for example.
3. Remember “P.A.S.S.” when you use your extinguisher.
And always keep your back to an exit when fighting a fire. You need to be able to escape quickly if necessary.
Even more important than knowing how to use your fire extinguisher is knowing when not to use it. If you’d be putting yourself at risk trying to fight a fire, leave the area immediately. You should already have a family fire escape plan in place, so don’t hesitate to use it if there’s any question about your safety.
After all, your life is irreplaceable. Your insurance, however, can help you rebuild your home and replace your belongings. If you’d like to check up on your coverage, give us a call today. Contact Us - First Community Financial Group Inc (firstcfg.com)
Trees are pretty amazing things. They produce oxygen. They serve as natural air conditioners, both by blocking sunlight and through evaporation. And they even absorb sounds, helping to keep things peaceful.
These benefits, along with countless others, are great reasons to keep the trees on your East Texas property in good shape. Looking for another? Unhealthy trees can actually pose great danger to your home and property, as well as to your family and other people.
With these tips from the National Arbor Day Foundation, you can help prevent tree trouble – and potentially save yourself from a home insurance claim:
1. Inspect trees frequently. The size, color and condition of leaves, and overall leaf cover, are good indicators of a tree’s health. Cavities or disfiguration can be a warning sign, although they don’t always mean a tree is a hazard. Just keep a close eye on it. Dead branches are a big risk, because they can fall easily. Those that cross or rub can create weak spots.
2. Plant in an appropriate space. Putting in a tree that will grow to be large? Don’t put it near power or sewer lines, or close to your home. And avoid brittle trees – their limbs are weak and more likely to break and fall. Examples include Silver Maples and Willows.
3. Prune correctly. Cut outside the branch collar, and prune regularly as trees age. Don’t allow a tree to be topped.
4. Leave it to an expert. Once a year, have a qualified arborist thoroughly evaluate the trees on your property. An arborist can identify ones that need to come down immediately, as well as those to watch. In particular, trees that have been topped, or that have lost large limbs unexpectedly, could cause trouble. Taking down trees can be very dangerous, so leave it to a professional.
5. Remember, you’re responsible. Property owners are generally responsible when their hazardous trees cause damage or injury to others. So keep your trees healthy, your space beautiful and your liability low!
When a tree does fall, you may or may not have coverage through your homeowners policy for any damage it may cause. If you’d like to discuss your coverage, please give us a call today. It may be a good time to think about adding extra liability coverage to your insurance portfolio with an umbrella policy.
When it comes to power tool safety, there’s a simple way to think about it: Use your head, keep your fingers.
All joking aside, it’s extremely important to your entire well-being to use power tools with the utmost of care.
1. Read all about it. You love the feeling of firing up and wielding a tool that’s abuzz with power. Just don’t do so until you’ve read the instructions. The instructions will help you get the most out of your tool, both in terms of safety and performance.
2. Take notes. When you get a new tool, jot down the details and add the notes to your home inventory. Include a description, serial number and a copy of the receipt if you have it, because it will all come in handy if your tools are ever stolen, or damaged in a fire or other disaster. Not big on writing? Photos or videos are great, too.
3. Get to work. Finally, it’s time to work, so long as you’ve got the right safety gear. This may include: eye and ear protection; a mask or respirator if the project will kick up a lot of dust or other fine debris; and protective clothing that isn’t loose.
4. Don’t rush. Working too quickly can lead to injuries. Always stay in control by making sure your work area is stable and clean. Use both hands to operate your power tools, and avoid distractions while you work. Don’t ever use powerful tools if you’re tired, sick or under the influence of drugs or alcohol. Not only will you jeopardize your safety, you probably won’t be happy with your work.
5. Take good care of your tools. Keep your tools clean and stored in a safe, secure area. Replace parts, such as blades, as soon as they become bent or warped, and don’t ever use tools that have been damaged. Following the manufacturer’s instructions, along with using a little common sense, should help ensure your tools remain in good working order for years to come. Let’s hope that deck you’re building will, too.
It’s hard to imagine a time before power tools existed – think of all the calluses! Just be sure to wield the power responsibly each and every time you tackle a new project on your East Texas home.
Leaving your lights on — is it really a good way to keep burglars away from your Livingston, Texas home, or can it actually attract them? Or, is it just a “good” way to increase your electricity bill?
As with so many questions in life, there isn’t one “right” answer. Using lights to enhance your home security can be effective, especially as part of a larger overall strategy. With that in mind, here are five things to consider:
1. Remember that variety is key. If your exterior lights are always on, even during the day, that can be a signal to burglars that nobody is home. Otherwise, you’d probably turn off the lights after sunrise, right? Don’t leave your lights on constantly while you’re on vacation or at work. Use timers or lights that can be turned on and off remotely to create different looks.
2. Try motion-detecting lights. These allow you to leave your lights off while you’re away or asleep, but, if someone is lurking around your house, the lights will come on. This often will scare off a burglar.
3. Consider your home’s surroundings. If you have overgrown bushes or trees on your property, burglars might be able to take cover even in the light. And, if you live in a rural area, with nobody around to notice uninvited guests on your property, lights may not do much to thwart them.
4. Connect with the neighbors. Even if you do have neighbors nearby, would they know when something – or someone – was out of place? Build a relationship with them, so they’ll know when you’re at work or on vacation, and so they can tell when something doesn’t look right.
5. Switch up your interior lights. A house that’s dark inside for a few days looks unoccupied, no matter how many outside lights are on. So, remember to set timers or turn lights on in different rooms of your house occasionally as well. This can help create the illusion that someone is home.
Of course, there’s no one perfect way to keep your Livingston, Texas home safe. The best strategies oftentimes involve a number of different deterrents. So, mix it up, with your lights and other things, to keep burglars guessing whether or not anyone’s home.
Unsure of what the symbols on your dashboard mean? Use this guide for descriptions of the most common lights used by auto manufactures or check your owner’s manual.
What Do the Dashboard Lights in Your Car Mean? | U.S. News (usnews.com)
What Do Your Dashboard Warning Lights Mean? | AutoZone Gauge Cluster Lights Meaning Guide
Spring is here in Deep East Texas, which means you'll likely see more motorcycles on the road. And the key word here is "see." People driving cars and trucks often fail to notice the motorcyclists around them, partly because they're not accustomed to looking for them.
It's obvious yet bears repeating: Motorcyclists are much more vulnerable than car and truck drivers and passengers. Not only are there many more cars and trucks on the road, but there's no such thing as a "fender bender" for a motorcyclist. Even a low-speed collision can seriously injure a rider, not to mention total the bike, so it's important to always give motorcycles extra space and an extra look.
Below are six tips to help you safely share the road with motorcyclists.
Objects in mirror. The object in your mirror may be closer than it appears — especially if it's a motorcycle. Due to its size, it can be harder to determine how close a motorcycle is and how fast it's moving. When turning into traffic, always estimate a bike to be closer than it appears to avoid forcing a rider to quickly hit the brakes — or worse.
Watch those left turns. One of the most common motorcycle accidents involves a car making a left turn directly in front of a bike at an intersection. Give yourself an extra moment to look specifically for motorcycles coming toward you when turning into traffic.
Double-check your blind spot. Carefully checking your blind spot before changing lanes is always a good idea. When it comes to motorcycles, it's critical. A bike can be easily obscured in the blind spot, hidden behind your car’s roof pillars, or blend in with cars in other lanes, so make a habit of checking carefully before changing lanes. Plus, always use your turn signal.
Don’t tailgate. This is another general rule for all drivers, but it's especially important when following a motorcycle. Be aware that many riders decrease speed by downshifting or easing off the throttle, so you won't see any brake lights even though they are slowing down. Following at least three seconds behind the bike should give you enough time and space to safely slow down or stop when necessary.
Stay in your lane. Obviously, motorcycles don't take up an entire lane the way cars or trucks do. But that doesn't mean you can cozy up and share a lane with a bike. Just because the rider may be hugging one side of the lane doesn't mean you can move into that space. Riders are likely doing this to avoid debris, oil on the road, or a pothole, so a bit of mild swerving within the lane can be expected. Do not crowd into the lane with a bike.
Think about motorcycles. Making a habit of always checking for bikes when you drive will make the above tips second nature and make you a better driver. To personalize it, think about your friends and family members who ride bikes and then drive as if they are on the road with you. Motorcyclists — and everyone else — will thank you.
Content provided by Safeco Insurance.
First Community Financial Group Incorporated (safeco.com)
Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.
Spring rainstorms in Texas are a fact of life in many areas of the state, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home.
The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!
Where is all that rain going?
Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.
Are you checking everywhere?
Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible.
And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.
Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too.
What about around your property?
Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.
And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.
What should you do during the storm?
During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.
Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.
Reposted with permission from the original author, Safeco Insurance®.
First Community Financial Group Incorporated (safeco.com)