Back to School Safety: Review Your Insurance – Renter’s Insurance

Back to School Safety Guide

When it comes to reviewing your policy, be sure to contact Bob Johnson Insurance today. We are more than happy to go over your coverage and see where you may need additional protection. Since your teenager likely doesn’t have his or her own policy, it’s imperative that you make sure that he or she is covered before sending him or her off to school.

When doing a review, there are two common areas that may need to be updated or amended.  Today, we are discussing renter’s insurance.

Renter’s Insurance

If your teen is staying in off-campus housing, does the university provide coverage? If not, then renter’s insurance is a good idea. Even if he or she is living in a dorm, it’s always good to figure out what may or may not be covered in the school’s policy.

The other thing to consider is if your teen is living out of state. Since there may be different rules regarding insurance coverage and requirements, a review is necessary to ensure that you’re not missing anything. Some states may require more coverage than others, so it’s imperative that you fill in any gaps that might come with the territory.

How Long Does it Take?

Reviewing your coverage takes just a few minutes on the phone.  Give us a call at 865-922-3111.

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Back to School Safety: College – General Safety Tips

Back to School Safety Guide

This week, we have a couple of tips for students going back to college.

General College Safety Tips

Having a car in prime condition is only one element of college life that will keep your child out of trouble. Although his or her experience can change depending on a variety of factors, here are some ground rules that you should go over before he or she embarks on this next chapter.

  • Don’t drink too much. Not only will it affect grades, but it could lead to a host of health problems.
  • Clean your dorm regularly. Smells will develop over time, and your teenager could create a biohazard in the process.
  • Try to eat healthily. College students are notorious for eating cheap food, but it will cost them in the long run.
  • Stay safe on campus. Walking around at night can be dangerous in some areas, so always have a buddy or friend go with you.
  • Don’t get too stressed. Too much anxiety can lead to depression and other mental afflictions. Remind your teen to relax from time to time and avoid cramming whenever possible.
  • Think before you act.  College is a time to explore and try new things, but remember that everything we do has consequences — either good, bad or a little of each.  Sometimes those consequences cannot be reversed. Remind your student to think about what they do BEFORE they do it. Overall, teach your son or daughter that it’s okay to discover who they are as long as they aren’t putting themselves in danger.

More Back to School Safety to Come

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Back to School Safety: College – Prepping Your Car

Back to School Safety Guide

If your child is heading off to higher education, then you want to make sure that he or she is well prepared for life on their own. There are a lot of different things that can happen during college life, so it’s imperative that you talk to your teenager about how to stay safe in the process.  This week, we have a couple of tips for students going back to college.

Prepping Your Car for the Trip

If the university is a long distance away from home, then you will want to be sure that your teen’s car is up to the challenge. That being said, here are the most vital systems to check and update as necessary.

  • Check fluids. Brakes, power steering, and oil are all essential. Other options include windshield wipers, antifreeze, and possibly transmission fluid.
  • Check for leaks. If the car is leaving wet spots wherever it goes, there is a good chance that you have to get something fixed.
  • Test the battery. Unless it’s less than a year old, it should be tested to make sure that it will hold up, especially in hot or cold weather.
  • Check your tires. First, make sure that they have sufficient pressure. Next, check for balding, as that’s a sign that they need to be replaced. Also check to make sure that you have a properly-inflated spare tire that is in good working order.
  • Test your lights. Although brake lights and headlights are crucial, you should also check things like license plate lights and dome bulbs as well.
  • Find a local mechanic. Since you won’t be on hand to remind your teenager about car maintenance, it’s best to find a local shop that can help out.

More Back to School Safety to Come

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Back to School Safety: Getting to School – Carpooling

Back to School Safety Guide

This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Carpooling

In many cases, you can arrange a carpool with other parents to ensure that your kids get to school quickly and safely. Although carpooling is one of the most secure methods of transportation, it’s still essential that you prepare your child for potential danger.

For the most part, you want to make sure that your little one verifies the driver of the car before getting in. Since many vehicles look alike, it can be easy to mistake one for the other and wind up in the wrong car. Also, for added security, it’s best to set up a schedule beforehand. This way, your child knows who should be picking him or her up at any time. Thus, if someone else tries to drive your little one, he or she will know to avoid the situation and wait for the approved driver instead.

More Back to School Safety to Come

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Back to School Safety: Getting to School – Walking to School

Back to School Safety Guide

This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Walking to School

If biking is not a viable option but you still live close, then you may allow your kids to walk to school. If that is the case, then follow these tips to ensure proper safety.

  • Walk with other kids. Try to never walk by yourself if possible.
  • Stick to open areas that have high visibility.
  • Always follow proper traffic safety when crossing the street.
  • Never stop to interact with anyone you don’t know.
  • Don’t walk after dark.
  • Only walk pre-approved routes. Don’t deviate.
  • If you get lost, retrace your steps until you can find your way.
  • Keep a phone handy in case you have to call someone.

More Back to School Safety to Come

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Back to School Safety: Getting to School – Biking to School

Back to School Safety Guide

This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Biking to School Safety

As your kids get older, they may want to get to school on their own. Cycling is a viable option if you don’t live too far, and you are in a decent neighborhood. Although you should have covered basic bike safety when you taught your child how to ride, some other elements have to be addressed when biking to and from school.

  • Always look both ways before crossing the street.
  • Always ride with a helmet and pads.
  • Never leave your bike unattended and unlocked.
  • Make sure to lock your bike when you arrive at school.
  • Pay attention to cars and traffic while riding.
  • Try to stick to the sidewalks whenever possible.
  • Ride with traffic, not against it.
  • Never ride at night without a light. Try not to ride at night at all if possible.
  • Never let someone else ride with you – one seat, one rider.

More Back to School Safety to Come

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Back to School Safety: Getting to School – Riding the School Bus

Back to School Safety Guide

Although most parents would love to be able to drop their kids off and pick them up every day, work schedules usually prohibit that kind of attentive care. Thus, you will likely have to rely on a variety of methods to ensure that your children get to and from school safely. This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Riding the School Bus

Remarkably, busses have not changed at all in the last fifty years. That means that the bus you rode on as a kid is likely identical to the one that will transport your child. The reason for this is that school buses are about as safe as they can be already, but that doesn’t mean that they are immune to accidents. Here are the rules every child should follow when riding the bus.

  • Always listen to the bus driver and follow instructions.
  • Never stand while the bus is in motion.
  • Only get off at a stop that you recognize. Never depart the bus if you’re not sure where you are.
  • Keep your bag and belongings close to you. If anything drops onto the floor, wait until you arrive before trying to retrieve it.

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Back to School Safety: Driving in a School Zone

Back to School Safety Guide

Your children aren’t the only ones who need to be careful when obeying the traffic laws. Whether dropping your kids off or picking them up from school, you have to follow the rules as much as they do. Here are a few key reminders.

  • Always stop for a school bus when the lights flash.
  • Never go above the posted speed limit, even if there are no school zone lights.
  • Never pass other stopped vehicles in a school zone.
  • Assume that children are always present, even outside of school hours.
  • Keep your eyes peeled at all times – avoid any distractions whenever possible.
  • Expect the unexpected.

More Back to School Safety to Come

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Back to School Safety: Road Safety

Back to School Safety Guide

Getting back into the school year can be stressful and overwhelming. Not only are you focused on making sure your kids have all of the right supplies for the upcoming year, but you want to keep them safe and protected as well. Part of being a parent is worrying about the little things, and back to school time is especially trying.

So, with that in mind, we wanted to go over the most common experiences that you and your little ones (or older ones) will encounter as you get ready for the new school year. From traffic safety to sending your teenager off to college, it’s imperative that you know what to expect. Even though your kids are the ones learning in the classroom, that doesn’t mean you can’t benefit from some real-world education.

Road Safety Precautions

When your children are first going to school, one of the most pressing issues you have to address is how to act around cars. Since you’re not going to be supervising them all day, it’s essential that you explain proper traffic safety techniques so that your little ones don’t get into an accident.

For the most part, schools zones are heavily monitored, but incidents can still occur. As such, you should go over the following key points with your children, regardless of their age or grade level.

Crossing the Street

When your kids are still young (six or younger), it’s imperative that you remind them that they should never cross the street by themselves. Ideally, they should always be accompanied by an adult, or there should at least be a crossing guard to help them across. To ensure proper safety, remind your little ones of these rules.

  • Always look both ways. Do this multiple times just to be sure.
  • Wait for the crossing guard to tell you when to go.
  • If there is a crosswalk, always wait for the light to turn green.
  • Never cross the street when there is a red light or signal.
  • Never cross the street without an adult present.
  • When crossing with an adult, always hold his or her hand.
  • Never stop in the middle of the street for any reason.

Getting on and Exiting the Bus

If your child takes the school bus, it’s imperative that you remind them of traffic safety when getting on and coming off. Ideally, you or someone else will be present both times, but if that’s not the case, have your little one follow these rules.

  • Always look around the bus for oncoming traffic.
  • Follow the rules for crossing the street.
  • Wait until the bus driver signals you to enter or exit the bus.
  • Wait for the bus to come to a complete stop.

We’ll cover other school bus safety tips later on, but it’s essential that your children treat it with respect and caution. Busses can have a hard time stopping, making them far more dangerous than a car when they’re in motion.

In the end, cars and busses are going to be a significant part of your child’s school experience, so it’s best to get him or her comfortable with the idea of following traffic safety. While you should prepare your little ones by warning of any potential danger, you don’t want to scare them off of the idea of walking along or crossing the street altogether.

More Back to School Safety to Come

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Fireplace Safety

How to Keep Your Home Safe From Fire

There’s nothing quite like enjoying a warm, cozy fire in the fireplace.  It’s a place to create memories such as sitting around the big fireplace every Christmas Eve listening to the Christmas story and music.  It’s important, however, to keep your home and family safe by keeping your fireplace clean and properly serviced.

Here are some tips for a wood-burning fireplace.

  • Before making a fire:
    • Open the glass doors (if you have them), open the metal screen, and place your kindling and logs inside.
    • Open the damper and a window (just a few inches). Check to make sure smoke will go up the chimney by lighting a match in front of the fireplace, blowing it out, and watching the direction of the smoke.
  • What to burn:
    • Burn only dry, well-seasoned hardwoods in your fireplace.
    • Buy your wood in the spring and store it off the ground and protected from excessive moisture.
    • It takes 6 months to a year for green firewood to be seasoned enough to burn.
  • What NOT to burn:
    • Never burn any materials that are not approved by the fireplace manufacturer.
    • Never burn plastic or Styrofoam.
    • Do not burn trash because it can create a fire that you cannot control or possibly release dangerous poisons into your home.
  • When burning a fire in the fireplace:
    • Use your fireplace for short-duration fires, 5 hours or less.
    • Safety Screen
      • Opening a window will help air flow up the chimney and will keep your house from getting smoky.
      • If your fireplace has glass doors, make sure to keep it open so air is drawn up the chimney.
      • Keep your metal firescreen closed to keep sparks from popping out on the carpet.
    • Never use flammable liquids (such as gasoline) to start a fire.
    • Never leave a fire unattended, especially when children are in the house.
    • Never use your hands to handle burning logs. Use appropriate fireplace tools.
    • Ensure that you wait at least 30 minutes after turning off your fireplace, insert, or stove, before touching it for any reason. The surfaces retain heat.
  • Keep your family safe.
    • Keep track of children and the infirm around your fireplace.
    • Children should not be allowed to play near the fire or to play with fire tools and equipment.
    • You may want to have additional barriers, like baby gates around the fireplace to ensure that the children cannot get near the fireplace.
    • As soon as they are old enough to understand, teach your children about fireplace safety.
  • Prepare your home.
    • Keep a non-flammable rug or other material in front of the fireplace to protect from flying sparks.
    • Be sure your home is equipped with smoke and carbon monoxide detectors. Check them regularly to make sure they work properly and have working batteries. Each level of your home should have detectors and there should be detectors in or near sleeping areas.
    • Equip your home with a fire extinguisher and know how to use it properly. Teach your family members how to use it properly.
    • Flammable materials should be at least 3 feet (or more) away from your fireplace.
  • Keep your chimney in good condition.
    • Keep your chimney clear. If animals nest or debris accumulates and blocks the chimney, it can cause carbon monoxide to flow into your house.  Be sure to have an appropriate chimney cap to protect against blockage and water damage.
    • Use a spark arrester on your chimney to prevent from sparks flying out which can potentially start a fire on your roof or lawn.
    • At least once per year or after approximately 80 fires, have your chimney inspected and cleaned by a certified chimney sweep. Ask him to show you hazards to watch for.
  • After a fire:
    • Cleaning the Firebox (area where logs burn)
      • During the months that you use your fireplace, clean the firebox when ashes build up and at least once per week.
      • Leave about an inch of ash because it helps the coals to heat faster and retains heat easier.
      • Keep the firebox completely clean during months you do not use the fireplace.
    • Remove the ashes.
      • It can take up to 3 days for fireplace coals to completely cool. Always wait that long before you remove the ashes.
      • Close the damper to reduce excess dust.
      • Wear a dust mask and open a window in the same room as the fireplace (to prevent negative air pressure).
      • Shovel the ashes into a metal container. Store the container far away from any combustible materials, surfaces and floors.
      • Never use a vacuum to remove or clean up ashes because they could contain live coals.
    • You can shine your brass fireplace tools with Worcestershire sauce and a toothbrush.
    • If you have glass doors, you can clean tough stains (from flames and heat).
      • Make sure they are cool and then use a razor blade to scrape off tough gunk deposits.
      • Clean the rest of the stains off with a cleaning solution. Spray or sponge the cleaner on and wipe it away with a newspaper (which is lint-free).  Three possible cleaning solutions include:
        • Add a squirt of liquid dishwashing detergent to a bucket of warm water.
        • Add a cup of white vinegar to a gallon of water.
        • Purchase appropriate fireplace glass cleaner at a fireplace store.
      • Cleaning your exterior hearth
        • A slate hearth should be washed, dried and coated with lemon oil every six weeks to make it shine.
        • A brick hearth should be cleaned with a brick cleaner purchased at a fireplace shop.

How to Keep Your Home Safe From Fire Series