You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let the Scott Lynch Agency help you find coverage options that protect you, your family, and your personal property. Call us at (317) 886-0081 and let us help to make sure you’re properly covered.
Greenwood, West Chester, Indianapolis, Cincinnati – What you need to know about renters insurance
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Indiana and Ohio Protect yourself and your guests
Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let the Scott Lynch Agency help you find the right amount of coverage to suit your insurance needs in Indiana and Ohio. Call us today at (317) 886-0081.
Get the right amount of insurance coverage Indiana and Ohio at the best price
Whether you’re starting out, between homes or downsizing, the Scott Lynch Agency will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (317) 886-0081 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.
Extra coverage doesn’t have to cost a lot
Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
This week marks Lightning Safety Awareness Week. Though disasters like hurricanes tend to get more attention during the summer months, it’s important to know how to stay safe from lightning. That’s because lightning presents serious dangers to both people and property.
Lightning safety and people Lightning can occur during any time of the year, but lightning casualties are highest during summer. July is generally the month with the most lightning. Lightning strikes often occur in the afternoon. Two-thirds of all lightning casualties occur between noon and 6 p.m. According to the National Weather Service, here are some more interesting facts:
Males are five times more likely than females to be struck by lightning; around 85 percent of lightning fatalities are men.
People aged 15 to 34 account for almost half of all lightning strike victims (41 percent).
About one-third (32 percent) of lightning injuries occur indoors.
Lightning safety and property From 2007 to 2011, local U.S. fire departments responded to an average of 22,600 fires per year that were started by lightning according to the National Fire Protection Association. These fires caused an average of nine civilian deaths and $451 million in direct property damage per year. Home fires accounted for 19 percent of the lightning fires. Fires in nonresidential structures, including businesses and other non-residential properties, accounted for 7 percent. Vehicle fires accounted for 1 percent. The remaining 73 percent were in outdoor and unclassified properties.
How to avoid lightning There are important things to know when it comes to how to avoid lightning. Once you hear that first clap of thunder, remember to:
Postpone outdoor activities.
Heed the 30/30 Lightning Safety Rule: Go indoors if, after seeing lightning, you cannot count to 30 before hearing thunder. Stay indoors for 30 minutes after hearing the last clap of thunder.
Secure outdoor objects that could blow away or cause damage.
Get inside a home, building or automobiles with a hard top (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.
Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.
Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades or curtains.
Unplug any electronic equipment before the storm arrives.
You are not safe anywhere outside. Run to a safe building or vehicle when you first hear thunder, see lightning or observe dark threatening clouds developing overhead. Stay inside until 30 minutes after you hear the last clap of thunder. Do not shelter under trees.
If it’s not possible to get indoors or in a vehicle, these actions may reduce your chances of being struck by lightning:
Avoid open fields, the top of a hill or a ridge top.
Stay away from tall, isolated trees or other tall objects. If you are in a forest, stay near a lower stand of trees.
If you are camping in an open area, set up camp in a valley, ravine or other low area. Remember, a tent offers NO protection from lightning.
Stay away from water, wet items (such as ropes) and metal objects (such as fences and poles). Water and metal are excellent conductors of electricity. The current from a lightning flash will easily travel for long distances.
The vast majority of lightning injuries and deaths on boats occur on small boats with NO cabin. It is crucial to listen to weather information when you are boating. If thunderstorms are in the forecast, do not go out. If you are out and cannot get back to land and safety, drop an anchor and get as low as possible. Large boats with cabins, especially those with lightning protection systems properly installed, or metal marine vessels, are relatively safe. Remember to stay inside the cabin and away from any metal surfaces. Stay off the radio unless it is an emergency.
When it comes to how to avoid lightning, you should also take precautions once you’re indoors:
Avoid contact with corded phones.
Avoid contact with electrical equipment or cords. If you plan to unplug any electronic equipment, do so well before the storm arrives.
Avoid contact with plumbing. Do not wash your hands, take a shower, wash dishes or do laundry.
Stay away from windows and doors, and stay off porches.
Do not lie on concrete floors and do not lean against concrete walls.
Unplug electrical equipment
It’s important to prepare for natural and weather disasters. It’s also important to make sure you’re covered if something happens to your vehicle or home during a storm. Connect with the Scott Lynch Agency to make sure you have the coverage that’s right for you.
Are you looking to rent a new place in 2018? We not only have great rates on auto, home, business and life insurance – we have great rates on renter’s insurance too. You may think you don’t need the insurance, but you never know what your neighbor is doing that may cause damage to your stuff. It’ is very inexpensive to protect your stuff. Call us at (317) 886-0081 or get a quote on line at Scott Lynch Agency.
As a party host, you probably don’t want to think about your potential liquor liability. But it’s something you’ll want to consider as your party planning gets under way this holiday season.
That’s because most states hold party hosts who offer excessive alcohol to their guests responsible for those guests’ actions behind the wheel. In those states, anyone injured by a drunk driver has the right to sue the host of the party who served the alcohol. Sometimes, criminal charges may even apply.
Recommendations on how to host your holiday party
This doesn’t mean you need to call off your party. Instead, keeping a few things in mind may significantly reduce your exposure to social host liquor liability.
Limit guests to people you actually know—and seriously consider cutting from your list anyone who habitually overindulges.
Encourage your guests to choose a designated driver before they arrive.
Serve plenty of nonalcoholic drinks and food to help counter the effects of the alcohol.
Have activities like dancing or games going on that don’t involve alcohol.
Stop serving alcohol well before the party ends.
Offer to call a cab or be the designated driver for anyone who appears intoxicated.
To limit your exposure to liquor liability even more, consider:
Hosting the event at a restaurant or bar that has a liquor license rather than at your home.
Hiring a professional bartender. Pros may be better able to recognize the signs of intoxication—and it’s easier to cut off someone you don’t know. This is especially true if a bartender completed the ServSafe® Alcohol program.
As a final precaution, review your homeowners or renters policy. It may offer coverage for damages sought by someone injured by a party guest.
For more information on liability insurance, contact an ERIE Agentin your community.
There’s almost nothing more convenient than online ordering. But when your work hours don’t align with the delivery schedule, it can leave a nice crime of opportunity for package thieves. One study by InsuranceQuotes.com estimates that 23 million Americans have had a package swiped from their doorstep before they could retrieve it. With two-thirds of Americans reporting they shop online at least once a month, the problem is likely to stick around. Here are a few steps to protect your deliveries from so-called “porch pirates.”
Go-go gadget. Various smart gadgets on the market can be helpful devices when it comes to securing packages. A video doorbell could let you view and speak to the delivery person at your door through your mobile device, so you can simply request they leave the package in a less conspicuous spot — or you can activate your smart lock and have them leave it inside your door.
Contact your carrier. Do a little detective work, and you may uncover some options through the delivery service. Many carriers now offer flexible options that let you schedule or reroute deliveries. For example, you could have them dropped off and held at a retailer near you, or deposited in a secure locker. Before you order, check the alternative offerings from the carrier.
Check your credit card policies. Some credit card companies offer protection against package theft to help you recover your losses. For specifics, get in touch with your credit card company to find out if this protection is available and for how much.
Alternative deliveries. Avoid the unwanted situation altogether and send the deliveries where swiping is far less likely. Your workplace, if your employer allows it, is one excellent option. You can also ask neighbors or family members who are home during the day to accept your deliveries and have your packages routed to their place. Just be sure to give them a little something for their trouble.
Whether you are moving to town for a new job or just moving out on your own after graduation – we have the renter’s insurance policy for you. Call us at (317) 420-2867 to discuss our Indiana Renter’s Policy and how it will protect you. You can also visit us on line at Scott Lynch Agency. Don’t forget to ask about our other great policies!
Don’t get stuck replacing your stuff from scratch if you don’t have renter’s insurance. Get great coverage and superior service from Erie Insurance. Contact us today for a free quote Scott Lynch Agency