Whether you’re still practice driving or driving on your own, you and a parent (or other trusted adult) should work together to help you become a safe skilled driver. You should expect and advocate for support in driving from a trusted adult. Here are some tips to get you started:
Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado.
Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing fact from myth.
Here are a few tornado truths that could help keep you and those you love safe:
If you’re like most people, there are certain items you own that you can’t imagine ever losing — possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or simply because they’re irreplaceable.
While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings (as well as damage to your home’s structure), your policy might provide only partial coverage for your most cherished items.
The good news is that you can still protect the things that matter to you most, even if they’re not fully covered under your homeowners insurance, with a scheduled personal property endorsement that is tailored to meet your specific needs.
Not an easy name, but it can help you sleep better at night
A scheduled personal property endorsement is not something that everyone talks about, but a local Safeco agent can help you determine if it would be a good fit for you. The first step begins with you. Look around your home and make a list of your cherished possessions. Be sure to consider the following:
Keep in mind that it is wise to complete an inventory every year or so, because it’s easy to acquire new items over time that should be added to a scheduled personal property endorsement. It could be tragic to find yourself in a situation rendering you unable to replace what matters most to you.
You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).
Because we’re big advocates for safety, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.
What’s dangerous about night driving?
Sometimes, there’s no way around driving at night. So here are some tips to help you make it a safe trip.
The U.S. is home to more than 78 million pet dogs. While your furry friend can be great fun, keep in mind that pet ownership isn't all fetch and Frisbee: Dog bites are a leading cause of doctor and hospital visits, with more than 4.5 million people bitten by dogs each year. Most of the 885,000 bites that require medical attention sadly involve children between 5 and 9 years old, according to data from the Centers for Disease Control and Prevention (CDC).
Dog bites are also a surprisingly common cause of homeowners' insurance claims, with more than one-third of all liability claim dollars paid in 2012, according to a recent statement by the Insurance Information Institute. The CDC says more than 31,000 Americans underwent reconstructive surgery in 2006 as a result of dog bites.
If you're a dog owner, be sure to take your dog to obedience training and teach family members how to properly play with your pet. Games such as fetch are fine, but rough games like tug-of-war may encourage aggression in pets and may lead to biting.
Always check with a dog's owner before approaching an unfamiliar dog—even if it's a friendly looking Fido. Even then, use caution. One out of every five dogs is adopted from a shelter, and that means the potential for past mistreatment and unpredictable behavior. Kirsten Theisen, director of pet care issues for The Humane Society of the United States, cites these facts to consider:
After a long, dark winter, spring's bright sun and warm winds are, well, a breath of fresh air. The only downside? All that sunshine spotlights your leaf-filled gutters, cracked sidewalks and the dead plants in last year's flower beds. Dwight Barnett, a certified master inspector with the American Society of Home Inspectors, shared this checklist to help you target the areas that need maintenance so you can get your chores done quickly, leaving you time to go outside and play in the sunshine.
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