Health Insurance Enrollment Process

How do you know about your fur, purring friend? Take this quiz to find out.

While it is exhilarating to dream of owning a home with solar panels, rainwater toilets geothermal heating and a green roof ... sometimes the reality is that you rent a one bedroom apartment in the city. So what is a tenant who cares about sustainability to

It is true :? When you rent, you can not make these great improvements to major appliances or energy systems at home as the owners can. However, this does not mean that you can not do your part to tread lightly on the planet. (Bonus: the money you can save some of them can go directly into your dream house funds off-the-grid.)

Here are some sustainability advice, just for size tenants

1. Recycle

this may seem a little "duh." But make it as easy as possible to do so -. Get a great, robust bin for recyclables and put it in a prominent place. Also, make sure you know your city or township of rules for recycling, which may include special instructions to separate materials or put them in special bags of color.

2. Buy fewer things

And when you buy things, buy local things -. Or consider an opportunity or premier cru release.

3. Grow something.

If you dig the idea of ​​growing your own food, container gardening is a great solution for renters. You can also ask your landlord if you can stretch to a little place in the courtyard. (Hey, the worst that could be heard was "No!") If outdoor gardening is not an option, check indoor gardening kits for herbs or lettuce. If vegetables are not your thing, even a humble houseplant can improve the quality of air in your space.

4. Monitor your energy consumption.

Save energy (and money) by unplugging appliances when not in use, dishes and clothes drying in the air, and change your light bulbs LED high efficiency or CFL bulbs. For more tips, visit Energy.gov.

5. Do not waste water.

Take shorter showers and install a water-saving flow shower if you can. Only run the dishwasher or do laundry if you have a load full size. And turn off the tap when you brush your teeth - doing this in the morning and at night can save a surprising 8 gallons of water per day

6. Using methods natural cleaning.

Naturally derived cleansers are gentle on the earth, the more they are safe for children and pets. Consumers have more options than ever for biodegradable household cleaners these days. In some cases, however, you can work with what you have lying around the house. For example: Did you know that you can lead a stubborn drain using only baking soda and vinegar

7 ?. Reuse. means

travel mugs, bags, storage containers, you name Green limiting the amount of waste you produce by reusing things whenever you can.

8. Be a smart shopper (and chef).

Mass production, packaging and transport of food has a big impact on our environment. Reduce your carbon footprint by buying local whenever you can.

Once you bring your groceries home, do not let them lose. Use fresh vegetables, meats or cheeses about to expire first. I do not know what you can do with random ingredients you have lying around? Check MyFridgeFood.com to connect the ingredients and get recipe ideas. And if all else fails, know what foods you can and can not feed the dog.

Although your space may be small, these small steps add up to make a big impact on the protection of the environment. Speaking of protection, here's another small step to consider: protect your stuff with the renter's insurance.

Starting at about $ 10 a month, the renters insurance covers your property (since the policy of your landlord usually does not), and other things such as temporary living expenses and personal responsibility

Pro tip .: buying a tenant and an auto policy together can qualify you for a discount multipolicy. In some cases, the discount actually pays for the tenant policy. Because individual policies vary, always check with your Erie insurance agent to confirm local discounts, rates and rules. Find Erie insurance agent to help you covered.

When was the last time you did something to make your home safer?

With more accidents happening at home than anywhere else, it is something to consider.

Here to help you is Laurie Woodward, a consultant control greater risks Erie Insurance has 36 years of experience to help business customers reduce the risks in their workplace. Risk Control consultants help business customers of ERIE make their workplaces safe for employees and customers. Just a little of how they do it is helping to create disaster recovery plans, conducting risk surveys in the workplace, to recommend ways to comply with OSHA regulations and more .

"Being on top of maintenance goes a long way in keeping a company itself as a safe house," she said. Here are his tips to make your home safer this spring and beyond.

1. Protect your stairs. First, clear your stairs all the toys, books and folded laundry room they are all great contributors to falls. Then check if your tracks are secure. If they wobble (or you do not have rails), having fixed or installed.
2. Be careful with candles. Keep candles away from children, animals and flammable materials. For your peace of mind, consider exchanging traditional candles for LED versions.
3. Keep chimneys and woodburningstoves. Have a professional clean your chimney at least once a year. Keep flammable materials clear the home. Always burn seasoned firewood and avoid throwing any wrapping paper into the fire.
4. Secure your TV. A TV may fall causing serious injury to someone in your home. (This is especially true with regard to children.) Wall mounting your TV, anchoring furniture with anti-tip brackets and installation of anti-tip straps on the back of all non-wall TVs can significantly reduce the risk of tipping accident.
5. Inspect your aisles. Your front walkway is a great place for a slip and fall accident, therefore all fixed ASAP cracked or uneven areas. During the winter, make sure your walkways and steps clear of snow and ice accumulation.
6. Use extension cords wisely. Do not use extension cords unless it is on a temporary basis. Extension cords should not be used in place of permanent wiring.
7. Test smoke detectors and carbon monoxide. While some smoke detectors can be a little overzealous (burnt toast, anyone?), They 're also life savers. Test both your smoke and your carbon monoxide detectors once a month to ensure they are in good condition.
8. Clean dryer vents. Regularly clean your lint filter is sometimes not enough to keep your dryer vent from getting clogged and starting a fire dryer. Have come a professional at least once a year to give the ventilation system of a good cleaning. This will reduce the risk of fire and dryer to keep your machine running efficiently.

Of course, another way you can protect your home is with the assurance of the right owners. An Erie insurance agent in your community can tell you more about affordable options and you get a free quote.

This is a tale of Benny and his puppy Banjo Banjo day cone is released . As it does in the life of every puppy, evil abounds. Fortunately, most veterinary pet care providers, groomers, dog park owners, dog care centers, pet spas and more-have insurance coverage that help protect against the minor incidents (and big) common in the lives of clients such as Benny and Banjo.

If you are in the business of providing pet care, you've probably seen these things happen. Erie Insurance can help cover your business in a way that is unique to you, protect you and the pets and clients you love and care for.

Here you need to know

Whether you are a veterinarian or another type of pet care provider, insurance Vets Article need to protect their practice can help you think the best way to protect your business.

You have a storefront where you sell treats, toys, leashes and other pet care products? Here's what store owners need insurance.

Want more? Keep your passion for furry friends as your main source of income with these tips below that are relevant to any business. And always remember that the local Erie Insurance agent can help you choose the insurance you need.

The Quick View of what you need to know in protecting your business

• Large losses are a threat to almost every business
• 4 common hazards that are neglected in Business
• you need to know about buy-sell agreements if you have a business partner
• the Three more tips important for any business owner

Starting a business at different times in your life

• Starting a business after retirement
• Top cities for entrepreneurs millennia

Trends to stay on top of

• 7 steps to use social media to develop your business (Find great content to share below)
• Tips for Winning Customer Reviews that Boost business
• Chip Cards and payment Trends

Tips to offer your customers:

Share them with your customers on social media or in your e-newsletter:

Keeping your friend Furry Safe throughout the year

• Top Holiday pet safety Tips
• four winter for your four-legged friends

When you take your pup out and about

• 10 tips for a successful veterinarian (and less stressful) Visit
• What you should know About Cat and Dog Etiquette
  • the label Doggy Day Care
  • the label to the Dog Park and beyond
  • the label Although Voyager
  • the label to the vet or groomer
  • How to keep Pets Safe in Cars
  • How Buckle Up Your Pup

on the protection of other

• How to prevent dog bites
• Infographic: How often Bite Dogs
• Video: How to avoid dog bites

Just for Fun

• Love your Pet Day Infographic
• Quiz: Do you know as much about your dog as a Vet does
• Quiz: Do you know much about your cat as she Vet?

Ready to protect your business? Talk to a local agent Erie Insurance today to learn more about affordable ways to protect the business you worked so hard to build.

The arrival of summer signals another season quite: the bike season.

If you have not already done so, now is the perfect opportunity to put your bike on the back of the garage. (Or where you had stored to protect against the winter weather).

In addition to your regular walks, there are many events for you and your baby to enjoy two wheels. Here are 12 you do not want to miss

1. Blue Ridge Bike Fest 2016 :. Visit the largest motorcycle rally in Virginia at its new location in Salem, Virginia. The event is in its eighth year and offers a variety of shows, two actors and a poker run. June 17 to 18
2. Harley Rendezvous Classic: The annual three-day gathering held in Pattersonville, New York, attracts runners from all over the country. Discover the bike show and buy leather from one of many vendors. June 23 to 26
3. Motoblot 2016: This urban bike and hot rod street rally in Chicago offers a show of hot rods, several bands, a variety of vendors and a contest of Miss Motoblot. June 24 to 26
4. Roar on the Shore: Join Grand Marshal Paul Teutul, Jr., "American Chopper" motorcycle rally organized for in Erie, Pennsylvania. This free event offers many walks, lots of live music and local places to visit. And it is popular, attracting more than 100,000 bikers and bike enthusiasts every year. July 13-16
5. Kentucky Sturgis Bike Rally: Go to Sturgis, Kentucky, to have fun this bike rally only adults. This event features tons of live music with a show of domestic motorcycle, dirt bike races and dice charity race. July 14 to 17
6. Memphis Bike Fest: This bike fest-four days is a celebration of bikes, music and barbecue. July 20 to 24
7. Wetzelland 2016: This bike rally held in Van Wert, Ohio, is known for large groups, rodeo games, bike show, poker run and more. July 23 to 26
8. Mountainfest: Taking place in Morgantown, West Virginia, this midsummer rally has multiple locations, live music, bike shows and more. July 27 - 31.
9. 13th annual East Coast Motorcycle Rally Apple: Five days of bikes, music and fun is in Little Orleans, Maryland. You can listen to bands at one of two stages, see the bike show and even camp if you feel like it. August 10 to 14
10. Hog Daze 2016: Roll in this family friendly event in Marion, Indiana, for live music, food, bike shows and more. August 19 to 21
11. Milwaukee Rally: The largest free rally in the Midwest lasts five days and has multiple locations, great entertainment, sightseeing and a long list of planned activities. 1 to 5 September
12. Bull City Rumble: Swing of the motorcycle and scooter world famous vintage rally in Durham, North Carolina. The event is now in its twelfth year, has a bike show, live entertainment, food and more. 2-3 September

You can not do it at a rally this year? Then put in mind your bike to work day June 15

Finally, do not forget to insure your bike. Like your home or your car, your bike is a valuable asset that needs good protection. A local agent Erie Insurance in your community can advise you on the right coverage and give you a free quote.

Routes signs that tell us to stop, slow down, yield and more are all around us.

Now, in addition to those old standbys, states and municipalities are creating new signs to help curb distracted driving.

Although some of the signs have direct, no- nonsense language, others have a more humorous bent. Only time will tell if these signs make the roads safer, but they are certainly inspire a few chuckles now.

see five of the funniest road signs in America by reading the article from source to propertycasualty360.com.

There is always a risk when gas and other flammable liquids are around. Yet many of us forget that when we fuel up the gas station.

The main danger to a fuel pump is not gas, but the gas vapors. Because the gas vapors are heavier than air, the difficulty may occur if they come into contact with any flammable thing on the floor like a cigarette butt smoldering, hot surfaces or even a static spark.

For these reasons, it is helpful to keep the following tips in mind when carburer :.

• Always turn off your car when you feed
• not smoke or light a flame when you are at a petrol station. Open flames can easily turn into a recipe for disaster!
• Stay close when you fill. Get into your car and then touching the pump may cause a static charge. If you must enter in your car when you are full, touch the metal exterior of your car before entering the pump making will help you discharge any static you might be picked up on a car seat.
• Be careful what you do. It is never a good idea to play Crush candy when liters of highly flammable leak in your car!
• Use approved containers and gas used in the right way. (This would be outside your vehicle, on a stable surface on the floor.) It is also a good idea to touch the pump on the container to prevent ignition from static electricity and fill up to 95 percent to leave room for expansion.
• Resist the urge to "top off" your tank with extra could cause a dangerous spill by gas.
• Give your hands a good wash when finished carburer.
• leave the area immediately and call for help in case of fire starts. Do not attempt to remove the nozzle or cut the gas before leaving.

The tank is something most people do fairly regularly. Keeping these tips in mind, you can help ensure you stay safe when you do.

There is no doubt that home businesses are on the rise. Currently, there are an estimated 38 million home businesses that generate $ 427 billion annually in the United States.

Maybe you already have an idea for a home business and maybe you even thought about the risks and logistics such as buying corporate insurance. If so, you're probably focused on one of the most enjoyable aspects of your new business :. Setting up your home business office

Whether you have a spacious wing of your house or just one end of your kitchen table, it is your space. I do not know where to start? Then read on for some tips for setting up your home business office.

Supplies for your home business

• Set a budget and stick to it. there are chances that you do not have an abundance of money if you are beginner. That is why it is important to create a budget and commit. Thrift stores, clearance driveways and garage sales are all great ways to score good shopping if you're on a tight budget.
• Keep your receipts. You can deduct from your taxes many items that you buy for your home office.
• Consider the equipment you really need. If you are going to use a piece of equipment on a daily basis, buy it. For equipment you use less often, a trip to a store or office copier may be more economical.
• Investing in ergonomics. A chair is something you do not want to buy online, go test a bit to find one that is a good fit. also see a desktop rule Research shows that it is not healthy to stay all day.
• Stock up. Whether paper, pens, ink or printer boxes, be sure to have lots of handy equipment. Constantly having to buy something both more cuts in your productivity, you can usually pay less if you buy in bulk.

How to set up your home business

• Try to get some natural light. one of the best parties not to be bound cube is to have access to light not only emitted by fluorescent bulbs. Beyond just watching more pleasant, natural light has many positive health benefits for office workers.
• Consider the noise level. Think levels both within the noise and the exterior of your home for each space you are considering. White noise can help reduce distraction as well.
• Treat yourself to some aromatherapy. Scents can have a considerable impact on your stress levels and focus. Consider a room spray, potpourri or an oil diffuser. Lavender reduces stress, boosts energy peppermint and lemon is soothing.
• Do not forget the colors. As fragrances, colors affect you more than you think. Learn more about how color affects mood before you commit to one color for your office.
• Get plants. Did you know that plants can make you 15 percent more productive? You do not need a green thumb to enjoy the benefits of plants varieties as succulents and bamboo are easy to maintain.
• Create a separation from the rest of your home. If you do not have a separate room in your home, try to partition part of your home. Have physical limitations helps to create mental boundaries when the temptation to bypass the clock ticks. Having a clock in view and set office hours will also help you establish a line between your personal and professional life.

Many home business owners do not realize that their homeowners insurance does not protect their business in most cases. For this reason, it is best to check with a professional insurance agent as an Erie Insurance. He or she can tell you more on your business insurance options and you get a free quote.

If you recently asked yourself, "What the heck is Pokémon GO!" you are not alone.

Of course, you could ask your children ... but they are probably exploring the neighborhood on the game (and eat your data plan in the process). Here's what you need to know to keep them and you, if you decide to play -. Safe

What is

Pokémon GO-part of the famous Pokémon video game franchise is an "augmented reality" free game for smartphones . Released earlier this month, it quickly became a viral phenomenon to a level Pokémon has not seen the television and card game show debuted in the 190s the term "Pokémon" means "pocket monsters", referring to hundreds of small creatures that populate the fictional Pokémon universe

Think Pokémon go as a digital scavenger hunt :. You physically move into the real world to catch and train small creatures, which digitally appear in the application. The application tracks your location using GPS, and you can check in anywhere to find Pokémon and gymnasiums for the train Popular landmarks to remote marsh.

Sounds like fun. What is the problem?

It does not take a Pokémaster to realize that a lot of errant real street people with their eyes glued to their phones could be a problem. While the Pokémon can be fictional, the security problems presented by the game are too real.

Throughout the reports roll in distracted players get bruises, scrapes and broken bones. In Washington, the State Department of Transportation has issued a warning about playing Pokémon GO while driving.

frightening still, criminals in Missouri used the app GPS data to attract players to remote locations and then fly.

How can I play safe?

It may seem like common sense, but if you have fever Pokémon GO, here are some reminders :.

• Be aware of your surroundings when playing the game
• Do not play when you're behind the wheel. (In fact, just put your phone away while driving!)
• Be careful when broadcasting your location to applications or social media -. Criminals could use this to target online or in person

Remember: even find the elusive Charizard is not worth putting your real security risk

Speaking treasure hunts, here is something that is not hard to find :. ERIE a local agent. In fact, you can look at a place near you, without even leaving home. Click here to find a ERIE agent in your community.

This year, the National Park Service celebrates 100 years of adventure and encourage the preservation of the great spaces, making it the perfect time to go out and explore your natural surroundings. The wonder, not to mention the pristine clear skies and sunny days of summer-offers travelers a beautiful backdrop for the road trip of all-American family.

And while great adventure awaits, so does the unexpected. Before you lace up your hiking boots and pack the car, take some time to plan ahead.

Do not let wildlife havoc.
Spotting wildlife is an exciting part of venturing into a national park. As exciting as it may be to see a bear or moose, the last thing you want to meet after a long hike is a car that was looted or damaged by hungry creatures of Mother Nature. For this reason, it is a good idea to place the food in a bear box or sealed plastic bag and hang it in a tree rather than storing it in your car.

For further protection when leaving your vehicle unattended, keep away from tarps and bungee Strip in some national parks, vultures like to take the rubber around windscreens, sunroofs and the wipers.

Check the insides of your vehicle.
When you hit the road, make sure your vehicle is in perfect condition. At the very least, ensure that your tires have plenty of tread and tire pressure is at the correct level for your load; that the oil has been changed; and that the spare tire is inflated. If you take the road in a recreational vehicle, routine maintenance is necessary to avoid accidents while boarding throughout the country, to take the time to do a walk around, departure inspection. It is important to know the exact size of your RV so you can quickly determine where you will be able to park. You may also need to be familiar with "RV boondocking," or camping off-the-grid, as many parks will not common RV Park features as full hookups. You will need to understand how your RV works when it is not connected, then the conservation practice of extreme water and propane use.

There is also a good time to review your auto insurance policy to ensure you are protected in case of incidents or unforeseen accidents. An insurance professional as an Erie Insurance agent can review your policy to make sure you have the right coverage.

Look for a sign.
It is important to obey all traffic signs, especially when you're in an unfamiliar area. Most of the national park roads have a speed limit of 45 mph or less. While this may seem slow, keep in mind these limits exist to protect not only you but also the wildlife that roams freely. In addition to the potential damage the vehicle or possibly harm an unsuspecting victim, speeding can result in a federal or ticket even land you in federal court. Keep an eye on falling rock warning signs or mudslide, too.

Steer clear of bad weather.
Check the weather the park you plan to visit this summer ahead. Ideally, each national road closures parks lists due to weather, construction or damage to help you plan ahead and stay safe. And do not think you're out of the woods because it's summer. It may not be snow and ice on the roads, but there could be floods or forest major fires, among other dangers.

Stow security survival kit.

Grab some gear that can keep you safe, healthy and hydrated before you hit the road. emergency items such as a flashlight, first aid kit, batteries, jumper cables, blanket, water and snacks are always at hand. also pack extra protection like sunscreen and portable chargers and keep a GPS device as a handy phone for security.

Once your car is in perfect condition and have taken appropriate steps to ensure that you are ready, pack your bags, and take the loop road. You will be able to explore the great outdoors without worry and take in the abundant sites of our country and its national parks have to offer, from sea to shining sea.

Most people know the dangers of rip tides, swimming without a lifejacket or venture too far. Yet there is another danger that many are not aware.

electric shock drowning occurs when an alternating current (AC) from a boat or dock passes through water and paralyzes a swimmer. Victims are unable to swim to safety, which can lead to a fatal drowning accident. If the current is strong enough, a swimmer can even be electrocuted. Unfortunately, electrified water can make it impossible for someone to jump in and save the victim.

electric shock drowning is particularly common in the docks, marinas and boatyards. Indeed, electricity flows through the wiring or vessels connected to the power supply the dock marina or the marina of his or dock. If there is a defective wire, it can energize the surrounding water. There is no way to know if the water in a docking station is turned on and the water was safe once can be switched in seconds.

While the shock of drowning is a real danger, many people have never heard.

Today, more awareness has been brought to the issue, through the efforts of people who have lost loved ones to drowning electrical shock and electrical shock Association drowning prevention. Yet many people do not know that it can happen.

How to avoid electric shock drowning

• Never swim in areas docks, marina and sites. There is no way to know if the water is turned on and the water was safe once can be switched in seconds.
• Tell people to avoid swimming in the docks, marinas and boatyards. Many people have never heard of the drowning electric shock, and knowledge is power.
• Encourage dock, marina and boatyard owners to post electrocution warning signs around the perimeter of their property.
• Make sure your dock, marina and boatyard following electrical standards and control. The National Fire Protection Association supplies this electrical standards and inspection standards.
• Make sure your boat meets the electrical standards set by the American Boat and Yacht Council (ABYC).
• Only hire licensed professionals when it comes to electrical work or inspections at your dock, marina or yard.
• Have your boat inspected annually by an electrician with a current certification ABYC.

The shock Drowning Prevention Association has more information on this hidden danger. Be sure to check its wide variety of open educational resources.

After a close call in my apartment who knew the olive oil is bad for high temperature cooking? - It occurred to me that I had never used a fire extinguisher. I'm not the fire chief, but learning on the fly while your smoke alarm is deafening seems like the wrong time to understand this.

Fortunately, I removed my stove smoke heat could ignite foremost, but the experience left me in shock.

Do not wait until the heat of the moment to ask about fire extinguishers. Here's what smart owners (and renters) need to know

Do I need a fire extinguisher

Short Answer :. ?. Yes

It is a good idea to have at least one, although many experts as the National Fire Protection Association recommend having a fire extinguisher on each floor. Put yours near an exit in a place easy to grasp.

A fire extinguisher can make a big difference in an emergency, but it can not replace your most important security tools: smoke detectors and an escape plan.

What if I rent

If you rent, your landlord is usually responsible for providing smoke detectors in each unit - but not necessarily fire extinguisher. It depends on your state and local fire codes, so ask your landlord to be sure. If you end up buying one, it generally will not break the bank. Fire extinguishers generally run from $ 20 to $ 70, depending on type.

Types of fire extinguishers

all the lights are not the same, and are fire extinguishers. The letters A, B and C on the label refer to types of fire extinguisher is capable of quenching.

• Class extinguishers are effective on fires in the paper, wood, textiles and plastics. (Think of "A" for "ashes".)
• Class B extinguishers are effective on liquid fires, such as those involving cooking oil, paint, of gasoline or kerosene. (Think "B" for "barrel.")
• Class C extinguishers are effective on electrical fires and direct wiring. (Think of "C" for "current".)

The best choice for your home is a multipurpose fire extinguisher as ABC, which can be used on all types. You can opt for a single use or rechargeable model. A rechargeable extinguisher is filled with water or the label of a dry chemical extinguisher for your check to see what was fill with yours.

In general, fire extinguishers are sold in 10 pound 2 pounds, 5 pounds or cans. Larger sizes pack more punch, but choose a size that you can lift easily. If it is too heavy, you do the favors you

How to use a fire extinguisher

First things first. If there is a fire of any size in your home, call 911. Remember that the fire spreads quickly -. even if you end up out the fire yourself, it is a good idea to have the pros on how to check your work

If you need to use your fire extinguisher, the National Fire Protection Association uses the acronym PASS practice:

• P ull the pin. Take the fire extinguisher, point the nozzle away from you and release the locking mechanism.
• A im down, pointing the extinguisher at the base of the fire.
• S queeze the lever slowly and evenly.
• S weep the nozzle from one side to the other.

Use your extinguisher on a small fire that is not growing - for example, a fire in a trash content. When the fight against the fire, keep the back to a clear exit so you can make an escape if you need. If the room fills with smoke or fire grows, leave immediately.

If you prefer a practical learning experience, call your local fire department. Most offer training on how to use a fire extinguisher.

When replace an extinguisher

extinguishers do not last forever. All models can lose pressure over time. Depending on the model, they last between 5 and 15 years - even if no expiration date is listed.

To make sure your extinguisher is in good condition, check the monthly pressure gauge. If it is in the green, it is functional. If she is in the yellow or red, it will need filled or maintained. Replace yours as soon as possible if you notice any of these things: ..

• The hose or nozzle is cracked, torn or jammed
• The locking pin is not sealed or missing
• The handle is missing or unstable.
• The stamp of inspection or service file is missing.

To protect your home at the best of your ability, see other tips from a former high-level security firefighter.

Also talk to an insurance professional as an Erie Insurance agent in your community. He or she can help you make sure your home insurance right owners in case a fire occurs despite your best efforts to prevent.

There is nothing like waking up at 2 am to the sound of running water. Not the relaxing sound of the waves or tropical waterfall sound on your machine, but the whoosh of the water flowing through the roof during a thunderstorm late night. Believe me, it does relax.

What started as a few threads once in my own house quickly grew to throw my ceiling. It happened when our roof was fixed, and it was devastating

The fact of the matter is :. Water damage can happen to anyone, at any time, if you live in a flood plain or you're just in the middle of doing laundry. It is also a mess to clean. (So ​​I learned.)

The best defense is really prevention. Here is some information to help you know what causes water damage and how you can prevent it from happening to you.

Common culprits
According to the American Association of Insurance Services (ARIS), water is the second leading cause losses of owners. (Fire is number one.) The most common sources of water damage are:

1. defective pipes of washing machines
2. Dishwasher malfunctions
3. saved drains
4. pipes that burst when the weather gets cold
5. roof problems (old shingles, wind damage and ice dams)
6. taps and pipes
7. toilet and refrigerator Leaky water lines that are not connected properly
8. polybutylene plumbing pipes that tend to break

simple solutions
the good news is most, if not all, water damage can be minimized or avoided by routine maintenance. Here are some things to add to your spring or fall cleaning routine:

1. Inspect washing machine hoses damaged. Look for weak spots, swellings and friability near the connection or crimp in the pipe. Replace hoses every five years. Choose a high quality hose for best results.
2. Inspect the water pipes in your refrigerator and toilet. Look for kinks and cracks that could obstruct the flow of water or allow leaks. If you find one, replace the entire tube.
3. Inspect your roof for normal wear. Do it from the ground for more security. Use binoculars if necessary.
4. Clean gutters and downspouts. They direct the water away from the foundation and roof.

More tips to prevent water damage,
year

1. Maintain a temperature of at least 55 degrees in winter to prevent pipes from freezing. Also be sure to properly drain the pipes that go outside your home and insulate pipes that are outside during the months of cold winter.
2. Close the main water shutoff valve when you leave for vacation. (Turning off the water does not freeze pipes. The pipes freeze if the heat goes off in your home).
3. Install a sump pump or French drain to prevent wet basements.

mold prevention
When water spills, act fast. Cleaning wetlands or wet within 24-48 hours can help prevent mold. The Environmental Protection Agency (EPA) offers these tips to remove mold from your home.

• Keep the humidity of about 40 percent to avoid condensation. If you see condensation or moisture collecting on windows, dry the wet surface and eliminate the source of the water.
• Use air conditioners and / or dehumidifiers when needed. Keep air conditioning drip pans clean and the drain lines unobstructed and flowing properly.
• rooms with high humidity, such as Ventilate bathrooms. Make sure to remove devices that produce moisture, such as clothes dryers and stoves outside if possible.

As anyone who has experienced the loss knows, it is never easy. Pain is not something we can always prepare. But recent studies show that the process of adaptation can not be what we thought once.

George A. Bonanno, professor of education and psychology at Columbia University, has researched the science of mourning for nearly 20 years. It is now believed that most people naturally know how to deal with the loss, as part of human nature. There is a theory that fully agree with the typical grieving process, as we have come to accept. Instead, he questions the notion of five specific steps

Bonanno, author of "The Other Side of Sadness". What the new science of mourning talks about life after loss "has, with the help of his staff, interviewed thousands of people who have experienced the pain. They concluded that the majority of survivors were stronger than we would have imagined.

"This does not mean that they were not sad or upset by the loss," said Bonanno. "But they do not know the concept of a grieving process how many suggested books they should. They afflicted, but the majority of people continued to function "

The book was inspired in part by his own experience Bonanno :. He lost his father while in his early 20s. He still feels sad loss, but he said: "in a way, my life opened after the death of my father." For him, it is normal for many emotions, such as sadness and happiness and hope for the future, to coexist without the need to "process" or "solve" below.

specifically, Bonanno explains the grieving process, as he sees it, to be like a pendulum.

"in the first months after the loss," he said, "the pendulum swings between sadness and happiness. At the time of the loss, a person seems to pay little attention to the world around him. He takes in his new situation and tried to imagine life without his beloved.

"As a person acclimate to changes he feels unexpected moments of happiness and sadness again. The pendulum eventually slows and equilibrium outcomes."

Like swings, Bonanno recommends that each person allowed to find its own way to achieve balance.

"Do what feels good," he said. "He can go to the grave to speak or make a donation to a charity in the name of your loved one."

Join a grief support group might be right. "For some, sharing feelings of pain in a group that seeks to help us can promote healing," said Bonanno.

What is most important is that each person has the freedom and support to heal in its own way, either laugh, cry, talk or do not talk or mixing techniques over time.

How insurance can help
ERIE Agents were there to help customers through some of the most difficult times.

One spring morning there are about 20, ERIE Agent Joe LaGuardia read something in the local paper that never forgot. it was the story of a mother who had lost her 6 year old son. the boy had seen a friend in a busy street, pulled her hand from his mother and ran into traffic.

the family was one of Joe's clients. Read the news broke his heart.

"I recognize the name immediately," recalls Joe. "It hit me really hard. As an agent, I help my clients buy life insurance, but it is never easy to hear the news when they need it."

Joe, an agent Agency Historic Square in Erie, Pa., had young children of his own at the time, and he could only imagine what the family must have been going through.

But helping families is part of Joe's work. It is one of many ERIE agents that delivers on the promise of life insurance on a regular basis. It is specifically trained to do, knowing how to approach a family and its role in support during these times.

However, with training and almost 40 years of experience, Joe finds that the provision of life insurance checks is never easy. In a world of numbers and sales business, helping customers life insurance claims process is the most personal thing Joe did.

And, he says, it is the most important.

The insurance can help protect your family from loss

Although we can not always protect us emotionally to these events, there are steps we can take to protect beings expensive financially during such circumstances.

If you are interested in learning more, talk to your agent ERIE Insurance Erie Family Life * and how it can help financially prepare a family for the loss. It can help you develop the savings you can profit while living, too.

* Erie Family Life Insurance not available in New York

There is no doubt that some of the best holiday indulgences (turkey! Cookies! Cake!) out of a furnace not a gift-wrapped box. But with many, many good things that come from the kitchen throughout the holiday season, there is something undesirable and all-too-common :. Fire

The kitchen is the most common reason for home fires and fire injuries, according to the National Fire Protection Association. Cooking is the main cause. Burns are the third most likely cause of fatal home injury, also, as the Security Council Home. (For the children, they are the most likely cause of death). And now for the kicker: November and (especially) December are two of the most common months for home fires occur

But do not throw in your spatula for now .. "The good news is you can prevent fires and injuries by taking simple precautions, "said Lorraine Carli, vice president of public affairs for the National fire Protection Association." Start by being aware of the risks. "

Follow these advice unadorned to keep you, your family and your home security every time you launch.

Protect yourself and your family

keep children away. Consider closure of the stove area with colored tape to teach little away from the danger zone.

Roll up your sleeves and glide over long mittens. loose clothing can catch fire while the hands and bare arms are easily burned or scalded. Also, be sure to wear gloves when removing food from a microwave, things have a way to heat more than you think in there.

Use the back burners and pot and pan handles angle towards the back of the beach. This greatly reduces the risk of accidents that could result in injury.

Place the hot food as far from the edge of the counter as possible. , it is easy for children to reverse dishes everywhere else.

If you have young children, ditch tablecloths and placemats. Just a tug to overthrow hot liquids and foods.

Cap temperature of tap water to 0 degrees. "tap water that is too hot is a neglected source of scalding," says Shannon McDaniel, spokesman for the Security Council Home. "It is best to turn your water heater to 0 degrees . If you do not have direct access to your water heater or do not feel comfortable treating yourself, call your gas or electricity company. "

Treating burns immediately . " Even a little heat continues to burn the skin for 24 to 48 hours if not treated properly, "said McDaniel . to cool a burn or a scald, run the affected area under cold water for at least three minutes. Do not put ice or lotion on the wound, and always call 911 if your condition is serious.

Protect your home

never, never leave the kitchen while cooking. food left unattended, even for a minute-is the most common cause of kitchen fires. "the holidays are busy, and people can become easily distracted by the bells and guests, so it is very important to remember to pay attention to what you are cooking," said Carli.

regularly peek into pots, pans and roasters. This will help you spot potential outbreaks ASAP.

Keep an eye when frying food. Grease fires are the most common type of kitchen fires, so extra attention to anything in your fryer or frying pan.

Stay alert. Make sure you get a good night's rest before a marathon cooking session and enjoy all alcoholic beverages after you turn off oven and stove.

Make sure your kitchen is clean and uncluttered. Grease accumulation on ranges and ovens, it is easier for them to start fires. Also, kitchen gloves, food packaging, towels and curtains can go up in flames if they are close to heat sources.

Ensure smoke detectors and fire extinguishers are in good condition. test each alarm in the house and read the instructions on how to use fire extinguishers.

Consider installing a home fire sprinkler system. Tell your local fire department to have a sprinkler system in case of fire, which suppresses or reduces the impact of a fire, installed in time for the upcoming holiday season quickly. . (Bonus: .. The installation of an often lower your home insurance premium ERIE Contact your agent to learn more about a possible reduction)

Review your evacuation plan home If the worst happens, you'll want to be prepared. Decide on a place where everyone will meet, posting the plan on the refrigerator door, and make an appointment through each person in your family. Also, remind everyone of these two life rhymes: "get low and go" (the air near the ground is clearer and easier breathing) and "stop, drop and roll" (to do this if you catch fire).

Protect your wheels

Students who leave their car in home-or those taking on campus while keeping the permanent address of the car to their Parents-can remain on family policy. (If you garage to the house while you are away at school, ERIE will strike up to 25 percent on your premium.) Things change, however, when the car moves constantly with the young adult.

"When you go on your own, you will need to purchase your own policy under the new address and change your driving license if you move permanently out of state," says Dave Freeman, Vice President and Director, Personal Lines Underwriting.

Like all auto ERIE clients, less experienced drivers like to know they have additional coverage and their comprehensive coverage standard without additional cost or premium.

"Young people are more likely to take advantage of our coverage lockout that pays up to $ 50 off the fee of a locksmith," said Freeman. "We will also pay for a rental car or a taxi if the car is out of service due to a covered loss." (Learn more about these and other extras included.)

Freeman adds that drivers should also consider optional benefits such as using the service road that provides reimbursement for towing, working or transportation; uninsured or underinsured coverage if the other driver has no auto insurance or enough of it; your injuries, and medical payments to cover medical benefits or death in an accident.

Tips to keep your car safe

reduce the likelihood of incurring any of these undesirable situations by following some smart pieces of advice. (They'll also reduce your premiums and the chances you have to shell out to cover your franchise as an added bonus, as most insurers, REA does not offer drivers more expensive adult rate until they turn 24 . *) * ERIE use the notation of adults to the renewal date after your 24th birthday, when many other insurers do not offer adult rate into your late 20's.

• Be a safe driver. not only keep yourself and other motorists safe, but also give your portfolio a boost. "The most important things that increase premiums are accidents and tickets," says Freeman. Observe the posted speed limits, obey the rules of the road, and, above all, avoid calling or texting while driving.
• keep a maintenance schedule. Mom and dad do not care of things take longer, so your car to show some love by keeping the Check the air filter, the level liquid automatic transmission on the gauge, accessories, belts, brake fluid, battery, power steering fluid and coolant. also check the windshield wipers and the amount of washer fluid, hoses, the wiring and the oil level on the dipstick. also check the tires and keep them properly inflated.
• Protect your key. More often than stolen cars when owners leave the keys in the open or somewhere obvious as under the carpet or visor.
• Take extra precautions with used cars. Some like the cheap car rebuilt titles that were rebuilt after being damaged by unreliable. "For about $ 50 you can find out for sure by having a mechanic look it over before you buy," says Freeman.
• Keep an extra long-distance or just avoid some-vehicles. Agent Rochester Rhett Van Scoter said he sees a lot of windshield damage resulting debris escape the landscaping and dump trucks. His solution :. Pull and let
• Hide high value of things. Van Scoter says most flights occur when items like GPS devices, computers and iPods are left in full view of passersby. Reduce temptation by putting them in a bag or store in your trunk

on another note, if you think that parking in a busy area lowers the risk of flight, think again. "a smash and theft -go takes less than 30 seconds and most thefts occur in parking lots with a lot of foot traffic, "said Van Scoter

Young, Fabulous - and assured :. Part 1

Crash test ratings help consumers find the vehicles that offer the best protection in the types the most common accidents. Now, car buyers can view the results from the Insurance Institute for Highway Safety crash tests, OSA everywhere. The Institute launches mobile website so that consumers can easily compare vehicle safety ratings by using their smartphones.

People do a lot of research before buying a new vehicle. The proportion of web access assessments Institute of mobile visitors has more than doubled in the past year. The new site makes it convenient to see the results of crash tests from the showroom.

Consumers will on the Institute website, AOS smartphones are automatically directed to the mobile site. It can also be accessed from the home page Institute, OSA http://www.iihs.org/mobile.html.

The Institute conducts tests assessing how vehicles protect people in the most common kinds of front, side, rollover and rear impact. Based on their performance, vehicles are classified good, acceptable, marginal or poor. The vehicles that do the best in all areas are listed as TOP SAFETY PICKS . These vehicles earn the highest rating of good in the four evaluations, and electronic stability control to help prevent many types of accidents

(Source: IIHS).

Texting and driving even riskier than thought

drivers who text or email on the road are a greater hazard than previously thought, according to a new study by the Texas Transportation Institute.

Some frightening statistics revealed:

• driver, OSA reaction time is doubled (1-2 seconds at least 3-4 seconds) when distracted by reading or sending a text message
• texting drivers were more than 11 times more likely to miss a flashing light altogether.
• Furthermore, texting drivers were less able to safely maintain their position in the lane or maintain a constant speed.

What is the problem? Well, statistics from the US Department of Transportation suggests that distracted driving contributes nearly 20 percent of all fatal crashes and motorists at least one in five people admitted texting while driving.

If the risks aren, AOT enough, consider this: texting while driving is banned in 34 states and the District of Columbia, according to the Insurance Institute for Highway Safety, and seven other states prohibit texting leading to specific groups (such as those under 18 or bus drivers)

Would you watch your franchise going down, down, down? Just keep the good conduct up.

If you have endorsement ERIE, AOS Auto Enhancement, you can watch your deductible decline over time. The reduce deductible feature means that your deductible is reduced by $ 100 for each consecutive year without political disaster you, Aore ERIE insured with up to a maximum of $ 500.

With the decrease deductible, your good harvest rewards for your wallet. Ask your agent about the automatic approval of development.

* The amendment Self Enhancement are not available in North Carolina.

Summer is the season when we and many things that we have-are on the move. Personal watercraft trailers for bikes, there's no shortage of things to the hitch and mail during the months of hot weather.

This extra weight and bulk, however, comes with a potential danger. In 2010 alone, nearly 56,000 passenger vehicle crashes involved a monitoring unit. While three-quarters of these accidents only caused material damage, the Security Administration of the National Road Administration (NHTSA) reports that the remaining quarter resulted in injuries and 340 deaths.

Keep safe roads at speed transport for your next adventure observing some tips :.

• choose wisely With cheaper models are more likely to contain small tube that is sensitive and poor locking devices, it is important to choose a work quality on an attractive price. Experts recommend that couplers are easy to install (they should not require additional tools for mounting) and a locking clip.

In addition, if you want to attach things, opt for quality lashing straps with good hooks and ratchets lower elastic cords.

• Find your ideal weight. Please consult your vehicle to determine the maximum weight of your machine can handle and make a realistic estimate of how much weight you'll actually be carrying. (If you want to be extra sure, consider paying a visit to a public scale.)

• Consider enlisting professional help. Not mechanically inclined? Next, ask the store where you bought the hitch of the aid-often, their technicians will offer to the not cost installation services.

No luck there? Then call a trusted mechanic or an all-purpose handyman.

• Make quality control. Make sure the hitch is properly secured by trying to disassemble it yourself. Also check if the weight is evenly distributed and that the air pressure on all tires is up. Finally, if you are carrying a trailer, make sure that his brake lights are in good working condition

• drive (extra) safely First of first: .. Slow down! The extra weight requires you to travel at close to half of your regular speed and use extra caution when stopping, changing lanes, turning or backing up. You'll also need to acclimatize to the slower acceleration, making wider turns, giving you braking times and allocate additional space when parking.

• Take a test. Not used to drive like that? Then consider taking a few practice turns into a disused parking before hit the road

For more tips and tricks, see Towing a trailer :. Being equipped for the safety of the NHTSA.

Diana Schneidman, CPCU, CLU, is a freelance writer in Schaumburg, Illinois. she is in awe of someone who jumps behind the wheel of a trailer since it fears a just Parallel Parking his car in the streets of Chicago occupied.

The policy contains the specific details of coverage, terms, conditions and exclusions. Eligibility for insurance coverage will be determined at the time of the request, based on the guidelines and underwriting rules in effect at that time. Information regarding the terms, conditions, exclusions, licenses and territory Additional information is available at erieinsurance.com .

* Not applicable in North Carolina.
** Restrictions in North Carolina.
*** additional premium required in Illinois and New York.

They are young. They are cool. And they are ... funeral?

Yes, such people exist. And ideas in their profession might make you rethink everything you thought about it.

Another thing that might make you reconsider? The need for life insurance, as they see first hand the role of good policy plays in covering the final arrangements and providing for those who remain.

Todd Harra, funeral, McCrery & Harra Funeral and Crematory, Wilmington, Del.

Thirty years funeral director Todd Harra has not only hosted services. He is also co-author Mortuary Confidential: Undertakers Spill the Dirt , a tell-all collection of short stories about being a funeral director, and served as Janvier in publishing 08 of Men of Mortuaries male calendar. (Both sold very well.)

"I like the personal interaction with my work and that every day is different, but that may be the most aggravating part," said Todd, a director of fourth generation funeral who often works during the summer holidays.

Easing the stress of the death of a loved one is preparing. "People are so grateful when life insurance kicks in to pay for a service," he said. (As reported in "Why funerals so expensive?" The funeral costs an average of $ 9,111.)

Unfortunately, not all cases are so smooth. "I saw many sad situations where we had to counsel families in a cheaper service with a cheaper coffin eliminate the limousine service or even spend a cremation instead of a complete burial, "said Todd." You see members family dipping into their 401 (k) s, scrounging for a loan or ask for donations to cover the funeral expenses instead of flowers. "

Lori Diaz, funeral director, Diehl-Whittaker funeral services, Columbus, Ohio

for Lori, a career in the funeral industry happened by chance. "I studied the funeral for a class in grad school," the 37-year-old wife and mother of two teenage daughters remembers. "I thought it would be a good choice for me, so I decided to do an apprenticeship."

His intuition was spot-on. "I love helping people, and I feel that I make a difference "says Lori, who works at the oldest African-American morgue owned and run in Columbus, Ohio, and has written and blogged about his profession for a variety of outlets." I walk families through difficult times and help them plan a celebration of the life of their loved one. I do not deal with dead-I deal with the living, "she said.

Lori, a customer with Andrew ERIE Insurance Associates in Powell, Ohio, said of her hands-on experiences shaped his view on life insurance.

"I see families all the time scaling down a service or delay a week so they can borrow money," she said. "It is so worth having even a small policy to take care of the arrangements, let alone take care of loved ones left behind."

She continues, "I have a policy and expectations would educate themselves. I often see how even a small, inexpensive policy can help a grieving family immensely after someone passes. "

Caleb Wilde, funeral director, Wilde Funeral Home, Parkesburg, Pa.

Caleb always wanted to help people, but he never thought that his sixth generation family business would be the vehicle to do so. instead, he made humanitarian work abroad. But it decreased funding stream, while returning home to the funeral home, that is.

Since then, the 30-year-old launched "Confessions of a funeral director," a blog featuring his ideas in the profession, the process of mourning and death. It attracts 20,000 30,000 readers each month and the eye of 20/20 , which recently aired a clip of Caleb daydreams of being a funeral director.

"We are like traditional pastoralists provide comfort to those in pain, "he says. "Some people make us paperwork people work."

However, there is only so much he and the staff of the 162-year-old Wilde Funeral Home can do to relieve some pain. "Every few months, I expect the service of a deceased breadwinner who had no contingency plan," said Caleb, who bought a life insurance policy before adopting a son earlier this year. "I remember a man who died suddenly without a life insurance policy, leaving his wife and four children to fend for themselves, it was incredibly sad."

Compounding the problem is the growing trend of funeral homes requiring full payment in advance. "We do not do that, but families facing this situation under enormous amount of stress, especially when they have to downgrade a service," he said.

Although he acknowledges it is difficult to talk about death, Caleb said there are many benefits to doing so.

"Planning for the unexpected can help you to live more fully and have peace of mind knowing that your loved ones will be taken care of."

It seemed like an ordinary Friday morning.

I woke up and wandered to my living room to turn on my laptop. It's funny, I thought where's my laptop? Then I turned around and found my plasma was missing. I looked at the kitchen table where I left my wallet and saw, too, was gone. I was robbed!

As I called 911, a flood of emotions washed over me. I was frightened and panicked, and the gravity of the situation hit me quickly. Someone cut window screen with a knife, removed from the window and went into my condo - and it all happened while I was sleeping

Facts

In. the FBI reports, about 30 percent of all burglaries are committed without force by doors or windows unlocked. In the latest data available from the FBI, a burglary with an average loss of $ 2,119 occurs every 14.6 seconds in the United States

The reading, I realized that I had becoming a statistic. As a writer and marketing for Erie Insurance, I wrote about security and insurance coverage many times. But it was different now; it was personal.

A burglary is not only a crime against property, but also a crime against a person. I had trouble sleeping and has become more sensitive to noise at night. If I hear anything, I would get up and look at the windows. Even if I was not doing anything wrong, I blamed myself for leaving windows open. Then I remembered, whatever the circumstances, no one has the right to commit a crime like that.

In those first hours and days after the robbery, there were many details to resolve. Concerned about identity theft, I reported my missing wallet in my bank account number requested changes to credit cards, passwords updated and a 0-day fraud alert on my credit.

I also immediately called Historic Square Agency Erie, Pa., And spoke to the customer service representative Connie Palmer about my insurance coverage. I told him what happened and, within hours, Erie Insurance Claims Adjuster Greg Emke called to make an appointment with me this afternoon. Greg did not realize that I was working for REA until we sat down to discuss what happened. With respect, I am one of many clients who needed his help that day. A week after the break, I had the settlement of claims and control.

What is covered

The theft is covered by most standard home, condo, manufactured home and the tenant of the insurance policies, but there limits on expensive items like jewelry, weapons, silverware and furs. So if your valuables exceed a limit of $ 2,500 standard policy, for example, you may be underinsured. It is important to know the value of your property and talk to your agent about coverage. To make jewelry and other expensive items properly, you may want to consider purchasing additional coverage. If you rent, you must keep in mind that the owner of an insurance policy will generally cover your belongings if they are stolen. But you can get a tenant policy for only a few dollars per month.

Fortunately, in my case, I had an adequate amount of coverage. All in all, my request was more than $ 1300, and was my deductable of $ 250. It was a great comfort in knowing that I was covered and could replace things that were stolen.

Lessons Learned

I learned a lot through this ordeal to stay safe. Here is what I did and what I encourage you to do, too:

• Join or form a Neighborhood Watch group . The program works as a partnership between residents and security forces to improve security and crime prevention.
• Add lights to your property . Security experts say the lighting can reduce theft and vandalism of 50 percent.
• Back up your computer or laptop. This is your best defense to protect your data.
• Test your home security system . My security alarm company tested my system and added a panic button. I now use my alarm system regularly and sleep more easily knowing that he is on every night. With an alarm system, you can also get a home insurance discount.
• Try a wireless driveway alert system . Sold at most hardware stores for about $ 20, motion detectors run on batteries and warns that visitors are on your way to your door.
• for additional installation window locks. A ventilation lock, for example, on a sash window limits the opening few inches. An intruder would not be able to open the window beyond.
• Register your electronic equipment. Registration of the product is very convenient if you need to prove you owned the stolen object and you are without serial number.
• Use a personal property or inventory form of the house to capture the necessary information, including the value of your property and numbers series of electronic equipment.
• Take pictures of your belongings. Digital photos of your high value items will help you identify if they are recovered and help document a claim.
• Be careful with burning. I recently etched my TV and a laptop, but the REA to security experts say it can do much to deter a thief. Because many people are selling their own items engraved yard sale or donate them to charity, there is no longer a stigma against buying them. Etching may also depreciate the value of your things if you ever want to sell them. For example, an engraved iPad can sell up to 30 percent less.
• Consider installing a monitoring application for your laptops, tablets or phones. Applications like Prey can be activated remotely and report the location of a stolen device.
• Consider adding the identity recovery coverage to your homeowners policy. For only $ 20 per year, ERIE cover can help you restore your name and credit. After this experience, I added to my policy.

A break in the case

Life is back to normal when I received an unexpected email from a Good Samaritan claiming to know the man who stole my laptop. Police intervened, and my laptop was recovered a huge relief.

Recently, I received a summons to appear for a preliminary hearing to testify in a criminal case. Although the rest of my stuff was not recovered, the police charged the man who had my laptop with receiving stolen goods.

I hope that justice is done in this unfolding case. But more importantly, I hope that my story makes you think about your personal safety.

Stay safe, my friends.

You have a burning question of insurance? If so, chances are the defenders of the customer in the service department to the customer ERIE answered many times before. Here is a list of the more common they receive via the toll-ERIE page and Facebook®.

I'm buying a car. Do I have coverage?

You will have automatic coverage for a newly acquired car if you already have a similar vehicle (in this case, a car) on your policy, ensures ERIE all your other cars and the new car you buy is entitled to the named insured on your current policy. This applies if the car you buy replaces an old car or another vehicle.

However, if you add something different (for example, a motorcycle when you insure a car), which might not apply. The takeaway? Always ask your insurance agent ERIE on the cover before you make a purchase.

My son lives with me and driving license, but he never pushed my car. Should I add it to my auto insurance policy?

Technically, yes. Emergencies happen, and it is difficult to guarantee that he will never need to drive the car. For you and your family protected keep all drivers licensed in your household should have their own policy or be added to yours. If you swear Junior never drive your car, your agent or insurer may require you to specifically exclude the child of your auto insurance policy. Always check with your insurance agent ERIE because all states offer driver exclusion options.

My request was not covered when my roof springs a leak. Why?

Because policies differ too much to give a general answer, ERIE your insurance agent should always be the first person you call on these types of issues. One thing that is not covered: routine wear and tear. For example, if your roof springs a leak simply because it is old, you can not expect your policy to kick in as he would for damage caused by a peril like lightning.

If you make a valid claim, you'll be glad you guaranteed replacement cost. This coverage ensures you'll be able to rebuild your home after a major loss regardless of amortization, the limits of the policy or insurance construction costs. ERIE automatically included as part of many of its political owners * -and you can buy affordable endorsement for policies that do not understand.

Is ERIE offer good student driver discounts?

We do not have a reduction of the name, but we only offer the discount of Juvenile driver that can save eligible licensed drivers ages 20 and under 20 percent on their car insurance . In addition, drivers under 21 who have completed training from an accredited pilot may also be eligible for discounts. Check with your agent to see if your young driver qualifies.

To achieve additional savings, consider ERIE Rate Lock ® **. This amendment freezes your year of automatic premium after year, even if you file a claim. Your rate does not change when you add or remove a vehicle or driver to your policy or change the location where your car is in the garage.

Is ERIE a decrease in the franchise?

Yes, thanks to the endorsement ERIE Auto Enhancement. For each consecutive year of insurance where you do not file a claim, your deductible will be reduced to $ 100, up to a maximum of $ 500. Eligibility varies by state, so check with your agent to see if you qualify.

Can you send me a new insurance card?

We can, but it is also good to know that you can print a card simply by logging into your account at erieinsurance.com .

I turned 24 not long after my policy took effect. Can you give me adult rates?

ERIE offers drivers adult price less than the age of 24, a great advantage, because many carriers do not offer it until you turn 29. Unfortunately, your policy is based on your age at the time the policy was written or renewed, so we can not distribute during the insurance period. But know that you will get the adult fare on your next renewal!

* Guaranteed replacement cost home improvements require more than $ 5000 to be reported in
0 days. Covering the costs to comply with laws or ordinances is subject to limits. Depreciation can be deduced that the repair is made. Go to ERIESecure or contact your agent for more information.

** Not available in North Carolina, Maryland and New York. Limited to three years in Virginia. ERIE Rate Lock ® does not guarantee a continuous insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a change in policy.

People around the world have vowed to lose weight, spend less and get organized.

But driving safer? It may not be the most popular promise, but it could be one of the most intelligent. This is because it will help you stay more secure, save money and feel much less stressed behind the wheel

Resolution No. 1: .. Stop texting and talking

anything that affects your concentration while driving a machine of two tons is just a bad idea. We all know texting and chat directly into a phone are big no-nos. But the hands-free mobile phones are safe, right?

In fact, many studies have shown that using any type of mobile phone while driving increases your chances of being in an accident. Having trouble avoiding the temptation to talk about? Then check out the advice And remember "Deter Distraction." :. Any appeal really can wait until you've finished driving

Resolution No. 2: Get plenty of rest and take frequent breaks.

drowsy driving has been proven to cause as much impairment as being drunk. This year, do yourself, your family and everyone on the road Shut getting adequate for each night and checking in at a hotel epic road trips. Also, plan to take a break at least every two hours during long trips. Stretch, walk and breathe some fresh air before entering the next stage of the journey

Resolution No. 3 :. Leave five minutes earlier

Given the fact that speeding. led to 13,000 deaths each year, why not give yourself a little buffer from now? It will put you in a better mood because you will not feel rushed or nervous arriving late. And you will be less likely to do something risky like dash through a yellow light, come to a rolling stop or cut someone off all the bad things regarding safety and karma.

Resolution # 4 :. Keep an emergency kit in the car

do not learn about the importance of emergency kits to hard (stuck in a ditch, stalled on the side of the road, you get the idea). Instead, put one together before problems by bringing these bases:

• cell phone and car charger (make sure you have pre-programmed emergency numbers in phone)
• Extinguisher
• Two roadside flares
• quarts
• Small first aid kit
• Flashlight
• Multipurpose tool or pocket knife
• tire pressure gauge
• tire inflator
• duct tape
• Rags
• your car manual
• pen and paper
• sign Help

for an additional level of assurance, see the complete list of items recommended in "Be Prepared". You can also consider purchasing coverage * of the road service. This affordable endorsement pays for reasonable towing and labor costs should your car break

Resolution No. 5: .. Keep your tires in top form

The Rubber Manufacturers Association said that under inflation is the number one enemy of a tire because it results in poor control that could lead to accidents. Furthermore, under-inflated tires wear faster and cause your car to burn more gas.

Keep your tires in good condition by regularly checking the pressure and add air if needed. Also inspect your tires for bulges, dry rot or something that looks off. When driving, something as unsuspecting as a pothole can make major tire damage which can make you lose control

Remember :. Your other resolutions could make you thinner and slightly richer, but they could literally save your life.

Tongs certificate. Sun block check. Bug repellent verification. Lists are a great way to keep you organized and put you on the road faster when walked on a road trip. A week or two before the arrival of the great day, make a list of everything you need to do and pack (and be sure to leave enough room so you can see out of your rearview mirror). Here are some ideas to help you:

Planning the route
Construction can strike anywhere, at any time during the summer. Check dmv.org for advice on avoiding these areas, or know where congestion is possible and plan extra time to travel through the region.

right Budget
It is easy to plan the cost of the hotel, but make an accurate budget for meals (or the grocery store, if you want to oven) and gas costs. Go to fueleconomy.gov for a handy calculator to understand the costs of gas before hitting the road.

Pick checks or prepaid credit cards
Everybody is going green these days of travel, but when you travel, leave the green at home and packing travelers checks or purchase prepaid credit cards instead. It is a medium safer and smarter travel.

Check the glove box and mix in a disposable camera
The salts and ketchup packets, towels and not to fold the cards, check the glove box for some other travel essentials like your insurance card and cards or numbers for emergency road service. Also, mix in a disposable camera in case of a collision. While most travelers have cell phones with cameras now, it's good to have a backup in case your cell phone gets too full of other valuable photos that you have not yet had the opportunity to Download.

Make room for a pet carrier
Y Fido and his Frisbee headed to the beach with you? Use a pet carrier or other pet-buckling devices to keep it safe for the ride. In the case of an accident, the REA provides pet insurance coverage (as part of your auto insurance) for your furry four-legged friends, but why spoil a getaway with trips to the vet? It is best to keep it safe right of the bat. Oh, and do not forget to pack a portable water bowl and some extra kibble for rest areas.

Stack on snacks smart
Chips, chocolate and pop. The dream of meal for each child. To avoid the sugar high after every rest stop and fill up gas, pack a small cooler filled with bottled water, cereal bars, crackers and fruit. Avoid salty foods or sodas that can actually make you thirsty or heavy foods that can make you tired.

Know your GPS
Whether a TomTom, Magellan, Garmin GPS system or your smartphone, be sure to have navigation systems that you can plug into your vehicle. They will prevent you from spacing out on the road and prevent these arguments "Which way do I turn?". Now you can pay attention to the road instead of listening back seat drivers yelling on which way to go.

Take techno-entertainment for the road
"on my summer vacation, I packed ..." or "I see a license plate from Ohio. "Remember this? The children used to play travel games to pass the time. Today, however, many will not leave home without their iPods, DVD players and PS2s. These nifty devices help prevent repetition, "Are we still here?"

Remember an emergency travel kit
Have insect bites, splinters, a flat tire or a dead battery? Emergency travel kit can save the day. Be sure to pack a flashlight, flares, first aid kit, jumper cables, blanket, gloves, paper towels and basic tools

To- Do:. Checking the car
Check all fluid levels, belts and tires before hitting the road to prevent slippage which could keep your family stranded roadside instead of the beach.

and last but not least, drive safely!

This has been updated from a previous version, first published in June 09

Several studies have shown that the local purchase of two pumps to three times more money in your local economy that purchase of a chain store.

But it is not always practical or even possible to buy local. Take shoes for example. Does your city or state have a shoe factory? May be. But maybe not. It can not simply close the manufacturers that produce all the products you need, or local sites that carry them in a convenient place.

So how can you really make a difference?

According to the American Independent Business Alliance (AMIBA), companies are more labor such as restaurants and service providers tend to generate the largest "local economic multipliers." buying them is how you can really make an impact.

7 types of businesses that give you the most for your money local:

• local restaurants -Whether it's a mom and pop, a pizzeria and an upscale restaurant, locally owned dining room helps feed the local economy.
• locally grown and produced food -One of the most intensive industries workforce, local agriculture and food production is one of the most beneficial to businesses from which to buy local. Think farmers market on the grocery chain. (Bonus Added: You'll probably enjoy fresh products more nutritious.) Or search for locally grown products when shopping at a chain if a farmers market is not appropriate
• Service providers . -These Include accountants, veterinarians, lawyers and other professional service firms. These industries, while small, can create jobs in your area. They can range from the creation of two 10 to 50 jobs, but every little bit can add.
• Auto / mechanical services -That you need an oil change, tire rotation or repair, opting for a locally owned place will help stimulate the local economy.
• insurance from a local agent -Talk to your local ERIE Insurance agent . All ERIE agents are owners of small independent companies operating within local economies. Many have started their operations from scratch, and almost all give to their communities significantly. They are there to help you navigate difficult questions on insurance and make the best choices.
• local pharmacies, bookstores, florists and other retailers -Some of their profits can go to purchase products from non-local suppliers, but much less than the big chain stores .
• locally owned franchises reports -During AMIBA that franchises return less money to the local economy as a business from home, they always come back much more money to the local economy of a national chain (and they can help to create jobs).

Erie Insurance is a regional insurance company that is committed to supporting local entrepreneurship by selling insurance through independent agencies and providing insurance solutions requirements for small businesses. Learn more about erieinsurance.com