Home Safety Tips: Carbon Monoxide Poisoning

Posted by Rachel Auerbach on Wed, Feb 26, 2014

Temperatures are down, but the heat at home is up. Winter is a prime time for carbon monoxide poisoning.

According to the Centers for Disease Control and Prevention, more than 400 Americans die from carbon monoxide poisoning each year. Make sure you and your loved ones are safe by following these simple guidelines.

gov.uk                                               gov.uk

1. Make sure nothing is covering or blocking your vents. Remember to check the outside stack or vent for your dryer, fireplace, stove and furnance.

2. Have your chimney checked or cleaned every year. Also have a qualified technician check your heating system and water heater. Do not patch a vent pipe with tape because it can cause a carbon monoxide build-up. 

3. Do not start your car, grill or generator in a closed area such as your garage or basement. 

And of course, don't forget to install AND maintain (check the batteries) of your carbon monoxide detectors!

Tags: safety, carbon monoxide, home, winter

3 Reasons To Consider Umbrella Liability Coverage

Posted by Rachel Auerbach on Thu, Feb 20, 2014

Unfortunately, you don't have to be a millionaire to be sued like one! Here's 3 reasons why umberalla liability coverage is important:

1. It provides excess coverage over the "underlying" liability insurance you carry.

2. It provides coverage for some additional liability exposures. This additional coverage is often subject to a self-insured retention of $10,000.

3. It provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.

How can E&K help? Even if you have auto and personal liability, it may not be enough if you're sued for more than your policy limits. 

The best way to protect yourself? An umbrella policy. The umbrella policy could add a layer of 1 MILLION dollars (or more) of liablilty protection over and above your regular auto and homeowners liability insurance. And the good news is that for $220 you get $1 million of coverage.

You do have to meet certain underlying liability limits on your auto and homeowners policies, which E&K is more than happy to review with you. 

Tags: umbrella policy, umbrella liability coverage