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You probably don't want to go camping in a camper infested with mice. They can cause all kinds of trouble, including damaging your furniture or belongings, chewing wires or even getting into your food! Not to mention, they can carry parasites and diseases too. But how you do keep them out? This article will provide some suggestions. How to mouse proof a camper. Before trying to mouse proof your camper, it's important to know how they get in in the first place. Here are a few places a mouse could squeeze through to nest in your RV:
Mice are said to have flexible rib cages which allow them to flatten themselves out and fit through small spaces. Typically, if their head can fit through a space, the rest of their body likely can too. Knowing where those openings are in your camper is key to keeping mice out. Here are some strategies you can use to keep mice out of your camper: Close up any access points. You'll have to examine your entire camper very carefully, both inside and out. When you find access points, you can close them up with:
Keep your food put away. This one might be a given, but you should never leave food out if you want to keep mice away. If you're in your active camping season, it may be too much work to keep taking 100% of your food out every time you leave your camper. But removing anything that you can’t reseal is a good idea. And sweeping up crumbs off the floor can go a long way. Use mice deterrents Mice deterrents are solutions with smells that mice don't like. Some options include:
Keep it light and bright. Mice are nocturnal, meaning they enjoy the dark. You can consider using small nightlights in your RV, to make it less attractive to them. You can also consider having bright lights on the outside of your RV, so they never want to come near in the first place. Now you know how to keep mice out of campers (or at least how to try), but what if they're already in? How to get rid of mice in a camper. Some options include:
For example, some of the ones listed above can be cruel and even fatal for mice. We recommend using humane mouse traps or calling in a professional exterminator whenever possible. And of course, you should always do your own in-depth research to decide which one you want to use. 
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 Springtime is almost here! The weather is beautiful, the water is inviting, and your boat is looking better now than when you first laid eyes on it. The only thing that would make your marine beauty even better is a gorgeous body of water underneath it. But not so fast…
Before you take your watercraft out on the water, complete the actions on this de-winterizing checklist-created for you by Foremost® Insurance.*
It is important that you perform each action in this checklist with as much attention to detail as possible. Properly de-winterizing your watercraft is crucial to your performance and safety out on the water. *Please note: You should also follow the manufacturer's recommendations for any other maintenance requirements not mentioned in this article. Looking for marine insurance? Get a quote today by calling 936-327-4364 to speak with a licensed agent Content courtesy of Foremost.com. If you're a music lover, you rejoice in the summertime. That's because it's a spectacular concert season! Music festivals and outdoor concerts abound, offering some of the best opportunities to experience your favorite music live. But this is no secret. In fact, according to Billboard.com 32 million people attend at least one U.S. music festival every year, and most of these festivals are in the summer. If you're planning on attending music festivals this summer, you probably don't want to think about safety when you're dancing and singing along to your favorite songs. That's why it's important to plan ahead and be prepared. Here are some ways you can make the most of your summer concert experiences! Always wear sunscreen. You should apply sunscreen before you head out for the day, but you should also consistently reapply every two hours. It's easy to forget to take care of your skin when you're experiencing a live show, so carry sunscreen with you at all times. You don't want a bad sunburn to ruin the fun! Bring plenty of food and water. The energy and excitement in great live music is uncontainable. Cheering, jumping and dancing during a show is physically exhausting, but you typically don't notice until it's over. That's why it's important to be nourished and hydrated. Drink plenty of water beforehand, and carry water and healthy snacks with you. Some festival-goers wear hydration backpacks that typically hold between two to three liters of water, and they have room to store energy bars and other snacks to keep you fueled throughout the day. Pack the right toiletries. Music festivals are usually sweaty, dirty and smelly…but totally worth it! With toiletries, you should aim to be practical, not glamorous! This is especially true if you will be camping onsite for an entire weekend. Consider packing items like tissues, sanitizing wipes, facial wipes and hand sanitizer. Think twice about electronics. You might want to reconsider bringing your tablet or a fancy camera. Outdoor concerts can have mud, heat and rowdy crowds—all increasing the likelihood that your electronics will be broken, lost or stolen. However, it may be useful to bring a watch, flashlight, your cell phone and a portable battery to charge it. Go with a group. Live music can be much more fun with friends to share it with! Attending shows in a group is also much safer. Concert buddies are extremely helpful in emergency situations and can help if you get lost, sick or injured. If you want to split into small groups, ensure everyone understands the plan. Be strategic with your vehicle. Plan where you'll park so you can choose a convenient location and save time when you first arrive. If you're camping at a festival, you can use your car as a place to store valuables, but don't leave food, toiletries, medications, electronics or other items that can't withstand great heat. Keep your eye on the weather. Be attentive and frequently check weather forecasts both before and during the event. You'll want to pack clothing that's appropriate for the weather, but it never hurts to bring blankets, rain jackets or other alternatives. While at the event, check to ensure there aren't upcoming thunderstorms or heat waves. Plan your schedule carefully. When you're at a weekend-long music festival, your excitement may cause you to forget that you can't do it all. Shows take a lot of energy, and it's unrealistic to plan on rushing to see every band. Instead, prioritize your favorites and plan for time to eat, sleep and take breaks between shows. You may not be as jazzed about safety as you are about experiencing an incredible live show, but you can't have one without the other. These tips are just a few ways you can be safe and fully enjoy your time at every concert you attend this summer. Looking for A Better Insurance Experience? Get a quote today by calling 936-327-4364 to speak with a licensed agent in our office. Content courtesy of Foremost.com  There is a risk every time you're out on the road. Protect yourself from these common motorcycle crashes by being a proactive driver. Left Hand Turns Collisions In these cases, the opposite driver makes a left hand turn at an intersection in front of an oncoming motorcyclist. The driver may not see the biker, or they misjudge the speed and distance at which the biker is coming toward them. Tips:
Head on Collisions A head on collision is one of the most dangerous situations for a biker. Keep an eye on oncoming traffic, especially as it gets dark. Tips:
Lane Changing Collisions The small structure of a motorcycle puts it at a higher risk of not being seen, especially on a highway dominated by semi-trucks. Proactive driving will reduce the risk of being involved in a lane changing collision. If you can't see the mirror or face of the driver, you are in their blind spot. Tips:
Rear End Collisions There are situations when a biker is caught off guard and collides with a vehicle in front of them. Stay vigilant on the road. Traffic conditions can change at any time. Tips:
Corner Accidents Be cautious when coming up on a corner. Debris on the road can cause your front tire to slip and lay down your bike. Turns can often be misleading, appearing wider than they really are. Be aware of your skill level and never take on a ride that you don't feel comfortable with. Tips:
Foremost and First Community Financial Group want you to be safe! Though some accidents can't be prevented, it is important to do everything you can to keep yourself out of harm's way while you're on the road. Always be aware of your surroundings, and remember these tips when you ride!  Did you learn how to get better gas mileage in your driver's education classes? If it's been a few years since you earned your driver's license, you may not remember what they taught you or if they even covered the topic of getting better gas mileage. When headlines report "record high gas prices," nearly everyone wants to know how to improve fuel economy. If a commute to work or school is a requirement in your life and you want to stretch those precious gallons of gas each week, the tips we've gathered below may be helpful. Let's start with the basics first. What is gas mileage or fuel economy? The National Highway and Transportation Safety Administration (NHTSA) sets the Corporate Average Fuel Economy (CAFE) standard for auto manufacturers, regulating how far vehicles must travel on a gallon of fuel. CAFE standards apply to passenger vehicles and light trucks (collectively, light-duty vehicles). Current standards are 28 miles per gallon. In April 2022, new CAFE standards were announced that will require new 2024-2026 vehicles sold in the United States to average at least 40 miles per gallon. The NHTSA along with the Environmental Protection Agency (EPA) also regulate the fuel-economy window stickers on new vehicles that tell consumers how many miles per gallon the vehicle will get under general driving conditions. Now that we've covered the basics, let's get to the ways you can improve gas mileage for your vehicle. Drive the speed limit. Speeding can lower a vehicle's overall fuel efficiency. According to fueleconomy.gov, gas mileage usually decreases at speeds above 50 mph. Now, that doesn't mean drive below posted speed limits, which can be unsafe. Be aware that vehicles will likely consume more fuel at higher rates of speed. Mind the brakes and accelerator. Habitual aggressive driving - putting the pedal to the metal and then braking quickly to slow down - can also contribute to lower fuel economy. Avoiding this type of driving can help improve average gas mileage between 15% and 30%. Use the cruise control. This might be a no-brainer, but using a vehicle's cruise control function, on the highway when traffic allows, helps maintain a constant speed, helping drivers achieve the first two tips we covered and, in most cases, will improve fuel efficiency. Mind the vehicle's cargo limitations. If you're driving a truck and wondering how to improve your truck's gas mileage this tip is especially important. Each vehicle's manual includes the load carrying capacity for the vehicle itself and for towing, if applicable. This includes carrying things on top of the vehicle in any type of roof-top carrier, including cargo boxes, bikes and kayaks. Check your manual to be sure anything you carry is within the stated limits and realize that when you are carrying or towing more people or gear than normal, your gas mileage may decrease. For fuel efficiency, it's a good practice to not haul extra weight if the items are not needed on a regular basis. Maintain the vehicle's tires. Underinflated tires can decrease overall gas milage by about .2% for every 1 psi drop in the average tire pressure of all the tires. Checking tire pressure regularly and making sure they are inflated to the vehicle's indicated tire pressure can help. Your car's owner's manual should include this information if you are unsure. Maintain the vehicle. If a car's engine is not running properly, there's a good chance that it is not using fuel efficiently. It's a good idea to pay attention to the dashboard indicator lights, get routine maintenance and oil changes at the indicated mileage intervals, and have the vehicle inspected by a licensed mechanic to address any issues. Consider a newer car. As mentioned earlier in this article, auto manufacturers must adhere to CAFE standards for the vehicles they sell in the US. The average fuel efficiency has increased over the years, so it follows that on average a newer vehicle should get better mileage than an older vehicle manufactured when the CAFE standards were lower. Keep in mind though, that the type of vehicle you choose also factors into the overall gas mileage. A smaller compact car and a large SUV manufactured in the same year may adhere to that year's CAFE standard, but the smaller car will most likely get better gas mileage than the large SUV. Make sure you do your research when you purchase a new or new-to-you pre-owned car, so you understand the fuel efficiency of the vehicle you choose. Go electric or hybrid. This may not be the tip you're looking for, but if you're in the market for a new vehicle anyway, choosing a vehicle that runs on a combination of gas and electric or solely on electric can also help you cut your overall gas consumption. If you go electric, you'll want to be conscious of the vehicle's electric battery consumption. Many of the same tips we've already covered here like following the speed limit and maintaining the vehicle and its tires can also help an electric vehicle's charge last longer. If you end up changing vehicles in a quest to improve your gas mileage and have questions about insuring your car, speak with a Foremost® agent to shop for auto insurance coverage. Content courtesy of foremost.com  As one of the most common crimes, burglary is nothing to be taken lightly. And unlike common belief, most of these burglaries happen in the middle of the day. According to the National Council for Home Safety and Security, break-ins are more likely to happen between 6AM and 6PM, right in the middle of the day! With the fall season upon us and the holidays approaching, it is important to make your home safe from break-ins. While there are many safety recommendations out there, HowStuffWorks has covered the seven most effective. Don't showboat. If you've just purchased a pricey new computer or television, breakdown the box and place it in the garbage bin instead of leaving it on the curb for everyone to see. Also, take a walk around your house to see how visible expensive items are with the curtains open. You may want to move some of them out of view to avoid enticing thieves. Pretend to be home. A break-in typically happens when no one is home, especially during the day while many people are at work. For that reason, create an illusion that someone is still there. You can leave a light on, along with music or your television. Secure sliding doors and windows. You can easily break into some older sliding doors by simply popping them off of their frame, even when locked. It's harder to do that with newer ones, but you should still take extra precaution to secure them since they can be an inviting entry for burglars. Simply take a strong dowel, steel bar or two-by-four and slide it into the back groove. Although you should always lock your windows before leaving the house, you can install a simple pin or nail into to the frame to stop it from raising more than a few inches. This will add an additional layer of security in case someone pops off the screen and you have left the window unlocked. Also remember to check window air conditioning units. If you can jimmy the window up from the outside, add a stopper to that frame. Don't leave a spare key out. It may seem like a good idea to leave a spare key hidden under a flower pot or doormat in case you get locked out of your house. But that's an open invitation for a burglar to walk inside without any difficulty. Instead, give a spare to a neighbor you know well or friend who lives nearby for safekeeping. Remember to never put any identifying information on your house keys. If you lose them, and someone else finds them, it would be fairly easy to trace them back to your home and break-in. Secure your yard. Tall shrubs and overgrown trees are welcome hiding places for criminals to wait until the coast is clear to get into your house. That doesn't mean you need to cut down every plant in your yard. Just keep things manicured. Prepare before vacation. Alert neighbors you trust about your trip and ask that they keep an eye on your property during that time. More importantly, when you leave town, don't leave signs of an empty house. First, if you have a home phone, don't change your message to alert callers that you have left town. Also avoid having piled up mail, overgrown lawns and newspapers strewn about your yard that send surefire signals you're miles away. Last, but certainly not least, don't announce vacation on social media. Lock it up. More than 40% of break-ins happen without the use of force, which means a lot of people are leaving their houses without locking the doors and windows. If you have a thumb latch lock and a deadbolt on your doors, always lock the dead bolt. Double-check weaker doors such as patio and sliding ones to make sure their locks are strong enough to withstand kicks. When you leave your home, don't forget to lock up the door leading from the garage to inside. Even if your garage door is down, someone can easily open it. Content courtesy for Foremost.com  As you prepare to host your holiday celebrations, it's important to be aware of the potential liabilities associated with throwing parties at home. It’s equally as critical for hosts to then take steps to mitigate risks where possible. With that in mind, we are sharing a review of general liability information and key tips to keep in mind when hosting. If you have any questions about your liability as a host, please don't hesitate to reach out. Our team is here to help! Unfortunately, the period of festive cheer we’re now enjoying comes with a rise in cyberattacks. With this in mind, we have put together some information about why cyber insurance is a critical component of your business strategy. Swipe through to learn more. Let’s work together to ensure your business is fully protected this holiday season. Reach out to our team with any questions about cyber insurance or to review your current coverage. We’re here to help. Each year, many people look forward to carving pumpkins for Halloween! Scooping out the slimy guts, cutting out a scary face, and baking the seeds to eat as a snack is a fun experience your entire family can enjoy. But if you're not careful, carving a pumpkin can lead to painful cuts and injuries. According to the ASSH (American Society for Surgery of the Hand), thousands of people hurt themselves carving pumpkins every year during Halloween. Some of these injuries require surgery, but there could be worse cases. Following these safety tips can help you and your family avoid injuries while carving your pumpkins this year.
content courtesy of Foremost Insurance  |
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