Category Archives: Life Insurance

Rid the Flu This Season

The flu is here and has hit hard. Your home may be a war zone fighting the sickness from one family member to another. The virus is something a household battles every year. whether your kiddo picks it up at school or you get it from that coworker who should have stayed home. Coming in contact with the virus is inevitable. But what can you do to ensure the flu doesn’t linger any longer than it has to? Here are a couple of tips to get rid of the illness and keep it out of your home.

  1. Wash Your Hands

The virus is all around us. We come in contact with germs every time we open the fridge, door handles, stair rails, money, grocery carts- the list goes on and on. Make sure to wash your hand as many times as you can throughout the day and especially before you eat. This not only limits the spread of the virus but also an easy way to keep the bacteria away.

  1. Disinfect Surfaces

Did you know that the flu virus can live on surfaces for up to 48 hours? It’s extremely important to disinfect common surface areas a couple of times a day. According to the Center for Disease Control and Prevention, “Disinfecting works by using chemicals to kill germs on surfaces or objects. This process does not necessarily clean dirty surfaces or remove germs, but by killing germs on a surface after cleaning, it can further lower the risk of spreading infection.” To Kill those germs- Wash surfaces with an EPA-registered disinfectant such as Clorox wipes and Lysol Disinfecting spray. These products state that EPA has approved them for effectiveness against influenza A virus. Just check your other cleaning labels to see if they are “EPA Approved”.

  1. Wash Linens

Just like hard surfaces, the flu virus can linger in your linens. To prevent the flu from lingering any longer, wash all your bed sheets, pillowcases, and your clothes. Use a bleach cleaner if possible. Also, throw in those bath linens if you get a chance. Sick kiddos in and out of the bathroom are prime opportunity to spread the bacteria. After a good wash, set the dryer to the highest heat setting and really kill those harmful germs.

And if you are really fancy, use an air purifier. Those babies are designed to kill viruses and bacteria that is lingering in the air. You can find some cheap ones on Amazon. Snag a couple if you can for each room and really get the good air flowing. Not only are they good for killing the unwanted germs but they also help with allergies and elevating dust.

Remember, the flu is almost impossible to avoid. Get a flu shot and ensure your family and loved ones are covered when they walk into your home. No one wants the virus to linger. Use the necessary measures to keep everyone feeling better quicker.  For all your home and auto insurance needs, give us a call at 1-800-ThanskAl to speak with an agent to see how you could save by bundling your home and auto.

 

 

Preparing for High Waters

Prepare for the flood. Most don’t begin to prepare until it is too late. Check out the seamless process and take the necessary steps to prepare for high waters beforehand.

Before the Flood

Elevate any electrical components that might cause a fire. Examples include heating units, air condition units, and wiring appliances 

Clear any debris from gutters and runoffs. Clean gutters allow them to work properly and alleviate access water from your home. Ensure the run-off area is clear, giving the water the ability to flow down instead of buildup in your yard or at the base of your home.

Fuel Tanks If you have fuel tanks or equipment with fuel inside- be sure to anchor them down. Additional fuel may be necessary for flooding situations but prepare to store tanks higher up and secure them properly.

Valuables If possible, move valuables to a safe place.

Ensure any documents that you might need are in a secure place and accessible if you need to grab them. Examples include birth certificates, insurance documents, passports, etc.) Invest in a safe deposit box if applicable.

Prepare a safety kit- include water, non-perishable foods, safety supplies (flashlights, medicines, first aid equipment, and a battery-operated radio. Kick it old school, have these items ready to go when you are.

Plan and practice a flood evacuation route. Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number (from fema.com).

Pet Plan Come up with a pet plan in case you have to evacuate. Many shelters will not take pets in for flood reasons. Ensure you have additional food and water for your animal and any necessary crates if you have to evacuate. Pet life jackets can be purchased here.

Check your insurance policy and make sure you have adequate coverage. 

Standard Home Policies do not offer flood insurance. Speak with your agent and ensure your policy includes flood coverage. Remember, flood insurance has a future effective date (usually 30 days out) so establish coverage beforehand. Flood insurance is offered to homeowners, business owners, and renters.

Know your risk of flood possibilities. Are you in a classified flood zone? Click here and input your address to see where you are on the flood map.

Conduct a household inventory. Take photos prior to the flood. Determine the value of your assets and store all insurance documents securely. The items will be of much value when it comes time to file a claim.

No one wants to be caught off guard with no time to prepare. As a family, come up with a plan that you’re confident with. Remember as much as you prepare and plan, the weather is always unpredictable. These steps are only here to give you peace of mind in case of an emergency.  Check out the complete guide to flood readiness here.

 

Back To School Driving Tips 101

School is back in session! The summer is over, and we are heading straight into a new school year. Back to school means there are more drivers on the road than usual during your morning commute. Most will purposely take alternate routes during the school year to avoid the additional slow down time. However, if you are dropping off a kiddo, there isn’t any other choice.

Here is our Back to School Driving tips from TXDOT.GOV to help make the commute a little easier and avoid fines.

Tips for Driving in School Zones

  • Put away your cell phone. Cell phone use is banned in active school zones, and violators face fines of up to $200 in school zones where signs are posted.

Take this tip very seriously. Don’t be the parent that completely forgot you entered a school zone and up getting a ticket for being on the phone. Check your city requirements- as some city ordinances have banned cell phone use while driving altogether.  

  • Always obey school zone speed limit signs. Remember, traffic fines usually double in school zones.

Even when you think there aren’t any police officers around, they’re there!  

  • Drop off and pick up your children in your school’s designated areas, not the middle of the street.

This is a hard one to follow, especially at the beginning of the school year. The pickup and drop-off line will get better. It always starts out rocky, but the process does get smoother. Avoid parking down the road and encouraging your schooler to meet you elsewhere. Your tax dollars pay for the cross guard and the necessary crosswalk to ensure your child’s safety, utilize it.

  • Keep an eye on children gathered at bus stops.

We all know how dreadful it is to be stuck behind a school bus as they make each stop, but remember it is unlawful to pass a school bus when they have their flashing lights on.

  • Be alert for children who might dart across the street or between vehicles on their way to school.

Be cautious of that Wilding!

Tips for Children Walking or Biking to School

  • Always cross at intersections and designated crosswalks. Look left, right and then left again before proceeding.
  • Look for traffic when stepping off a bus or from behind parked cars.
  • Make eye contact with drivers before crossing the street.
  • Always obey crossing guards.
  • Always wear a helmet when riding a bicycle.

Remember these safety tips as you approach a school zone. Don’t end up in a situation that could cost you hundreds of dollars in fines and possibly injure someone. School is just beginning, and we wish everyone a great and safe year!

Your Local Independent Agent,

Al Boenker Insurance

 

Recreational Vehicle Insurance 101

School is out, and vacation and travel are on everyone’s summer list. RV’s, boats and watercraft just give you all the summer feels. Loaded down and in route to a favorite destination where your family is going to make memories is one of great gratitude! However, with all good things, we must prepare for the not so pleasant. Knowing the amount and type of coverage you have in case of an accident can give some peace of mind.

So what kinds of insurance coverages do you need? Here is quick break down on coverages for the different type of vehicles.

BoatThere are widely different coverages for different styles of vehicles. The most standard coverages you are going to seek is for:

  • Physical damage (motor, vessel, anchors, and onboard equipment)
  • Liability (in case your boat injurers someone else or their property)
  • Additional coverages can be offered for storage, fishing equipment, and personal items stored on board.

Motor Home/RVYour motorhome or RV is more than just a vehicle and needs more than just standard auto insurance. Motorhome coverages include:

  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.

5th Wheel- Your auto policy doesn’t cover your haul like you may think. Here are some standard coverages your 5th wheel will need.

  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.

5th wheels have similar coverage to your motorhome or RV but due to its attachment style, there can be different needs.

Personal Watercraft- PWC insurance helps ensure you and your personal watercraft against accidents, vandalism, and liability. Typical coverages include

  • Collison, theft, fire, vandalism, water damage, and storm damage. Your standard coverage is meant to ensure risk to the PWC and owner.
  • Expanded coverages include medical bills, full replacement cost, towing and roadside assistance.

Off-Road Vehicles– ATV’s are a guaranteed fun time! However, protecting yourself cannot be guaranteed. Off-road vehicles are considered to be a little more dangerous and in return protect against accidents, injury, and theft. Here are the standard coverages offered to ATV’s

  • Liability Coverage- covers the cost of bodily injury and property damage.
  • Collision- will assist in paying for damages to the machine after an accident
  • Comprehensive and under/uninsured motorist are additional coverages that can cover you from theft, vandalism and weather damage.

As you can see, there are several different coverages and possibilities that you might need. Each recreational vehicle has different parameters and restrictions. The best choice to determine the right amount of coverage is to speak with your Al Boenker Insurance agent. Their expertise and knowledge will help you determine the value of your rec vehicle and its content and help make you make the best-informed decision. Being informed is empowering! Now take your knowledge and have a safe and fun summer!

 

5 Summer Weekend Getaways

Say, “Hello” all across Texas this summer. A nice weekend exploring one or all of these destinations will have your family eager to pack up the car and hit the road!

Garner State Park, Concan
Garner State Park is a must! The cool temps of the Frio River will keep you cooled off all day. There are several activities to do including hiking, camping, tube floating, kayaking and paddle boarding. Get this trip on the calendar soon as campsite and cabins begin to fill up for the remaining summer months. To make reservations and check out the complete list of activities, click here.

Hamilton Pool, Dripping Springs
Take a dive into the 12-foot-wide cove at Hamilton Pool Reserve in Dripping Springs. Reservations are required as they only allow a limited number in from 9-12pm and 1-5pm.
Call ahead or visit them online to reserve your time spot. The oasis has public bathrooms and hiking trails. However, there is not any food or drink stops, so pack a light bag of snacks and water. Hamilton Pool only excepts cash when paying on site. This refreshing hole is the perfect getaway right outside of Austin city limits. Will your gang make that jump?

Houston Museum District, Houston
The Child’s Museum of Houston, voted “America’s No. 1 Children’s Museum”, by Parents Magazine, is the ultimate kids getaway. With 19 museums in the area, your gang will have a ton to do! Stop by the Houston Zoo and wander onto Waugh Street Bridge to watch the bats emerge at nightfall! Get all the details here.

BSR Cable Park, Waco
Want an adult weekend getaway? Barefoot Ski Ranch is the new hot spot this summer! The Cable Park just opened Summer 2018 and is home to America’s longest lazy river at nearly one-mile long. Take a plunge on the Royal Flush slides or enjoy the surf wave cable park. If your kids are dare-devils and can hang, bring ’em along for the fun at the adventure park. Want to slow down a little? Spend Sunday afternoon at Magnolia Markets, wondering through the Silos and shops. Regardless of your preference, Waco has grown into a popular weekend destination spot for all.

Krause Springs, Spicewood
Krause Springs is privately owned by the Krause family and was founded in 1955. The well-known camping and swimming site is located in the hill country about 30 miles west of Austin. Reserve a camp spot for a weekend stay and visit the 32 springs on the property. Did I mention there are a beautiful waterfall, grotto, and natural pools? Explore the butterfly garden, hike through trails or take a dip in the manmade pool that is fed by the springs. This weekend getaway will be one for the books! Book a camping site here.

Where ever your family goes this summer, remember to give your car a quick checkup (check tire pressure, oil level, and coolant levels) to ensure your safety. Go with confidence with auto, RV, boat or ATV insurance today! Contact your Al Boenker Insurance at 1-800-thanksal or online at thanksal.com.