Reichley Insurance Blog: January 2011

Monday, January 24, 2011

When Is Your Auto Covered by Your Homeowner Policy?

Most people would say never, and they would be right, with one little exception. For obvious reasons, the homeowner policy was never meant to insure vehicles. It would seem that this concept is pretty simple, but there are times when you are dealing with parts or pieces of the vehicles. When the snow tires are removed from the vehicle, do they still fall into the definition of vehicle?

Upon reviewing the homeowner policy, we see that while there is clearly no intention on the insurer’s part to cover your vehicle for property or liability coverage, insurers have thought of everything. They recognize that not all things fit into a tidy little package. What if you are restoring a classic car? This labor of love has already taken you two years with no end in sight. The interior is lying in one corner of your garage and you just installed fancy new wheels and tires. You haven’t considered insurance on this vehicle because of its state of deconstruction, and you felt that since you didn’t drive this vehicle, and it was simply stored in your garage, that you should have coverage.

After you have a fire in your garage, you are surprised when your adjuster tells you that the car’s interior stored in the garage is covered, but those new wheels and tires you just installed and the vehicle itself are not covered. The homeowner policy excludes vehicles, including their equipment or their parts, while in or upon the vehicle or conveyance. Since the car’s interior was not in or on the vehicle, there was coverage for those parts of the car.

Every insurance policy is unique. If you have questions about your insurance coverage, contact us today. Our experts will help you understand exactly what is and isn't covered by your policy.

Reichley Insurance Agency is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.

Our dedication makes the difference...

Toll Free: 87-REICHLEY (877-342-4539)

Email: info@reichleyins.com

The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.

Friday, January 7, 2011

Alternate Sources of Home Heating

The high cost of home heating and the current recession have led many Americans to search for alternate sources of home heating. Many of these sources of heating may be acceptable if appropriate safeguards are used. However, be aware these supplemental heating devices are responsible for thousands of home fires each year.

Wood Stoves

Wood stoves cause more than 4,000 residential fires each year. Carefully follow the manufacturer’s installation and maintenance instructions. Look for solid construction, such as plate steel or cast iron metal. Check for cracks and inspect legs, hinges and door seals for smooth joints and seams. Use only seasoned wood for fuel, not green wood, artificial logs or trash. Inspect and clean your pipes and chimneys annually and check monthly for damage or obstructions. Cleaning more often may be necessary. Be sure to keep combustible objects at least three feet away from your wood stove.

Electric Space Heaters

Buy only heaters with the Underwriter’s Laboratory (UL) safety listing. Check to make sure it has a thermostat control mechanism, and will switch off automatically if the heater falls over. Space heaters need space; keep combustibles at least three feet away from the heater. Always unplug your electric space heater when not in use.

Kerosene Heaters

Buy only UL-approved heaters and check with your local fire department on the legality of kerosene heater use in your community. Never fill your heater with gasoline or camp stove fuel; both flare up easily. Only use crystal clear K-1 kerosene. Never overfill any portable heater and never fuel the heater when it is hot. Use the kerosene heater in a well-ventilated room. Kerosene heaters pose perhaps the worst exposure, largely due to improper use and the fact they contain a highly flammable liquid - not to mention potentially dangerous fumes.

Fireplaces

Fireplaces and wood stoves regularly build up creosote in their chimneys. They need to be cleaned frequently and chimneys should be inspected for obstructions and cracks to prevent deadly chimney and roof fires. Check to make sure the damper is open before starting any fire. Never burn trash, paper or green wood in your fireplace. These materials cause heavy creosote buildup and are difficult to control. Use a screen heavy enough to stop rolling logs, and big enough to cover the entire opening of the fireplace to catch flying sparks. Do not wear loose-fitting clothes near any open flame. Make sure the fire is completely out before leaving the house or going to bed. Store cooled ashes in a tightly sealed metal container outside the home.

Finally, having a working smoke alarm dramatically increases your chances of surviving a fire. Always remember to practice a home escape plan frequently with your family. For more fire safety information, visit www.FireSafety.gov today.

Reichley Insurance Agency is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.