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Displaying 1 - 10 (of 297) < Prev Page     Page 1 of 30     Next Page >
September is National Preparedness Month. Disasters Happen. Do You Have A Plan?
Posted on Thursday, September 6, 2018 at 12:46 PM
Preparedness Month 2018 + Insurance Erie PA

September is National Preparedness Month.  Only 22% of Americans have a disaster response plan.  Are part of the 22% or the 78%? 

The DHS has put together a website (www.ready.gov) to assist with preparing for many types of disasters.  Your family may not be together if a disaster strikes, so it is important to make a plan:

STEP 1: Put a plan together by discussing these 4 questions:

  1. How will I receive emergency alerts and warnings?
  2. What/Where is my shelter plan?
  3. What is my evacuation route?
  4. What is my family/household communication plan?

Step 2: Discuss and assign the specific needs and duties in your household.  Keep these factors in mind.

Responsibilities for assisting others

  1. Locations frequented

  2. Dietary needs
  3. Medical needs including prescriptions and equipment
  4. Disabilities or access and functional needs including devices and equipment
  5. Languages spoken
  6. Cultural and religious considerations
  7. Pets or service animals
  8. Households with school-aged children
  9. Ages of household members

Step 3: Fill out a Family Emergency Plan:

  1. Download a Family Emergency Plan from (https://www.fema.gov/media-library/assets/documents/133447)

Step 4: Practice your plan with your household:

  1. Practicing your plan several times annually will help in case your family needs to use it.

 

 

 

  • Responsibilities for assisting others

  • Locations frequented

  • Dietary needs

  • Medical needs including prescriptions and equipment

  • Disabilities or access and functional needs including devices and equipment

  • Languages spoken

  • Cultural and religious considerations

  • Pets or service animals

  • Households with school-aged children

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It's The Beginning of Flu Season For The Erie Area, Time To Get Annual Vaccinations
Posted on Thursday, August 30, 2018 at 10:30 AM
Health Insurance Erie Pa

It is that time of year again for the Erie area!  Flu season starts now and many pharmacies are receiving their shipments of flu shots. 

The CDC recommends annual influenza vaccination for everyone 6 months and older.  The CDC also recommends that vaccination should be offered by the end of October.   

Most Medicare and ACA compliant plans cover flu shot at little to no cost to you.  To confirm your plan covers these preventative vaccinations, reach out to your plan admin, or give our benefits team a call.

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Insurance Tips For Buying and Selling A Home
Posted on Monday, August 20, 2018 at 12:46 PM
Home Insurance Erie Pa

Buying or Selling a home can be a stressful process.  Here are a few pointers to help the process:

If you are selling your home:

During an open house:

  • Remove Valuables
  • Use the Buddy System (Do not host an open house alone)
  • Make sure you are covered: (make sure you have proper coverages, and an inventory of valuable possessions)

If you are buying a home:

Be sure to ask your home inspector:

  • Who do they work for?
  • Are they licensed?

Be sure to take notes, and have them inspect:

  • The Foundation
  • Drainage and Leaks
  • The Roof
  • Attic and Basements
  • Electrical
  • Plumbing
  • Doors and Windows
  • Appliances
  • Heating and Cooling systems
  • Radon levels

As always, if you have questions about your coverage, call the HMM Personal Lines team at (814) 455-0987.

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Insurance Tips for Students Going Back To School
Posted on Tuesday, July 31, 2018 at 1:36 PM
Student insurance Erie PA

It’s an exciting and emotional time when a child heads off to college. And, for many parents, a confusing time in regards to car insurance coverage and personal property coverage.

Should college students remain on the family’s auto policy? Do they have coverage for their belongings in the dorms? Let’s take a look at these and other issues to help clear up some of the confusion.

Auto Insurance:

If you’re supporting your college student financially, you can still consider them a household member for insurance purposes. That means they stay on the policy.

  • If they take a car to school, they should stay on your auto insurance policy. Be sure to tell them that lending the car to friends is out of the question!
  • If they leave the car at home, there’s likely no need for them to be listed as a daily driver on your policy. This means they can be listed as an "occational driver".
  • If they return home for a weekend or holiday, they can still drive under your coverage. However, if they will be using the car for an extended period, such as during summer break, you should let your independent agent know.

Home Insurance (Renters Policy):

Your student is no doubt taking several thousand dollars’ worth of personal belongings with them to college.  Your existing homeowners policy should extend some personal property coverage to your student.

For example, 10 percent of your personal property coverage may extend to your student’s dorm stay. So, if you have $100,000 of personal property coverage on your policy, your student has $10,000 worth of coverage.

To make it easy to take advantage of this coverage in the event of a covered incident, be sure to:

  • Create an inventory of what your student is taking before they head off to college and what it’s all worth. Include receipts, photos, serial numbers, and as much other information about the items as you can.
  • Itemize any items worth more than $1,000 since, in most cases, there is a cap on how much coverage particular items or types of items receive under your policy. Itemizing the valuables offers broader coverage and also broadens the coverage territory to anywhere in the world.

For students renting a house or apartment off-campus, or even a dorm on-campus, a renters insurance policy in their own name is another option. Renters policies are oftentimes highly affordable ($10 to $20 a month in some cases) and provide liability and medical payment coverages in addition to personal property.

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It's National Picnic Month!
Posted on Wednesday, July 11, 2018 at 12:51 PM
Insurance Company Erie PA, Insurance Erie PA

July is National Picnic Month and we are experiencing perfect weather for a picnic with friends and family. Sharing a picnic lunch is a perfect way to relax, but you need to take special precautions to keep food safe while away from home. Here are a few precautionary tips to keep everyone safe on your next adventure.

Maintain Food Temperatures

  • If you want to eat hot cooked food or refrigerated food on a picnic, it is very important you store food properly. Food must be either hot or cold to stop bacteria growth. If food temperatures reach between 40F and 140F you risk food borne illness.

  • Pack cold perishable foods such as raw poultry, seafood, meat, and eggs into an insulated cooler just before you’re ready to leave. Keep cooked foods and cut fruit cold, too. Ensure you add plenty of ice or several ice packs; then close the lid tightly and do not open it unless absolutely necessary. Keep the cooler out of the sun while you drive and when you arrive at your picnic spot.                                                                                                                                                                                        

  • If you intend to grill meats at the picnic site, use a meat thermometer to check it’s cooked sufficiently. Freshly cooked or reheated meat requires an internal temperature of 165 F. Don’t leave cooked meat off the heat for more than two hours either. If it is above 90 degrees, reduce the time to an hour.

    Avoid Contamination

  • A common cause of food borne illness is contamination.

  • Ensure you have clean water available and wash your hands with warm soapy water or moist toilettes before and after handling food.

  • Be sure to seal raw meats and poultry well so their juices do not drip into the cooler and contaminate other foods.

  • Cover any cut items with plastic wrap or store them in individual containers.

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Happy Independence Day!
Posted on Tuesday, July 3, 2018 at 9:03 AM
Insurance Erie PA

The HMM Team would like to wish all a happy and safe independence day!  In observation of the holiday, our offices will be close July 4th.  We will be open for business Thursday July 5th at 8:30 am. 

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Erie Summer IS Here! Keep Your Family Safe by Knowing the Warning Signs of Heat Exhaustion!
Posted on Tuesday, June 26, 2018 at 3:35 PM

Summer is finally here, for the Erie Region.  That means outdoor activities, and warm temperatures.  Keep you family safe this summer by knowing the warning signs of heat exhaustion!

The CDC put together a "Heat-Related Illnesses" quick reference table outlining some of the warning signs of heat related illnesses.  

Know the Warning Signs:

Symptoms of heat exhaustion can include, but are not limited to:

  • Dizziness;
  • Weakness;
  • Headaches;
  • Blurred vision;
  • Nausea;
  • Staggering;
  • Paleness;
  • Profuse sweating;
  • Weak pulse;
  • Faint breathing.

If you believe someone is suffering from heat stroke, call 911 immediately and follow the directions given by emergency personnel. Move the person to a room with air conditioning or to the shade and loosen his or her clothing.

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Good News For UPMC Health Plan Members
Posted on Friday, June 22, 2018 at 2:02 PM
Health Insurance Agents Erie PA

UPMC announced today, that as of July 1, 2018, Cleveland Clinic will be part of the UPMC Network.  We are waiting to hear which plans and networks are impacted by this announcement.  Our Benefits Team will keep you updated as this rolls out.

Read More »
We Want To Raise Awareness About The Dangers of Distracted Driving
Posted on Wednesday, June 13, 2018 at 11:19 AM
Auto Insurance Erie PA + Car Insurance Erie PA

Distracted drivers are 3 times more likely to cause an accident.  The HMM Team would like to help stop distracted driving by raising awareness.

A recent study from the Virginia Tech Transportation Institute found that manual-visual tasks associated with hand-held devices, such as reaching for the phone or dialing, increased the risk of getting into a crash by three times. The study also reported that even hands-free devices involve manual-visual tasks at least half the time, which is associated with a greater crash risk.

The most common risk factors include:

  1. Texting while driving increases your chances of an accident by 23 times.
  2. Reaching while driving increases your chances by 9 times.
  3. Reading while driving increases your chances by 4 times.
  4. Grooming while driving increases your chances by 3 times.
  5. Eating while driving increases your chances by 2 times.

Please take a minute, pull over, and complete any distractions to your driving.  The life you save may be your own.

Read More »
Summer is Here! Don't Fall Victim to Equipment Theft!
Posted on Wednesday, June 6, 2018 at 9:07 AM
Home insurance Erie pa, Homeowners insurance Erie PA

Summer is here, and our neighbors are starting the yard work. When the time comes to primp and prune the lawn, make sure you're taking the proper precautions to protect yourself from equipment theft! Lawn maintenance equipment and tools are an investment, but theft happens.  Here are a few simple tips, from LawnEQ.com to prevent equipment theft:

  1. Put it Inside – Sure, when you get done trimming your lawn, you might just want to leave the equipment in the yard and take a shower, and lie down. But as you learned growing up, you should put things back where you found them – in this case, put your tools in a shed, garage, basement, or even a lockable storage container. Simply putting something out of sight can be enough to deter theft.
  2. Lock it Down – If you can’t store your equipment indoors, or you have to be out of sight of your equipment trailer, lock your equipment down using chains and padlocks. Even a relatively cheap bike lock can work – loop it through the handles of your equipment, and around a post or a chain. This is a simple way to prevent theft, and one of the most reliable – thieves want to spend as little time as possible, so even a simple chain they may take them a minute or two to remove can be enough to send them packing.
  3. Pull the Plug – For larger equipment such as riding mowers, you’ll have to go even further. Putting it inside and locking it up doesn’t stop it from being a tempting target. You might need to go a step further, and pull the spark plug. By removing the spark plug, you make it impossible to start the unit, which will discourage potential thieves – you can’t exactly carry riding mowers off.
  4. Mark It or Tag It – If you have decals or other identifiers you can put on your equipment, you can mark as yours. Permanent markings can make your equipment easy to track, and can also make it hard for a thief to resell. Thieves are less likely to take something that is hard to sell. Even better, you can put a GPS tag in your equipment for tracking the units should they be stolen, making recovery easier. If you mark your equipment so that it is clear that you have GPS tracking, thieves will likely skip this equipment – that is, unless you’ve got the world’s dumbest criminals.
  5. Register Your Equipment – The dealer you purchase the equipment from should be able to register the units for you with the manufacturer. Smaller equipment can be registered through the mail, or even online. While this will not prevent your equipment from being stolen, it will make it easy to track should it be stolen and the thief tries to resell it. Plus, registration will qualify the equipment for warranties and possible rebates.
Read More »
 
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