RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

How-to Reduce Your Home's Fire Risk

October 27, 2016 1:18 am

Regardless of where in the country you live, fire is always a potential danger to your home, property and loved ones. According to the American Red Cross, 60 percent of house fire deaths occur in homes with no working smoke alarms. On average, 39 people die each year in fires in this country.

"Fire is one of the most devastating things that can happen to a family and a home," says Eric Corbett, president and owner of Larry & Sons. "If a fire starts in your home, you may have just two minutes to escape. The most effective way to protect yourself and your home from fire is to identify and remove potential fire hazards."

Corbett offers tips to help keep your family and your home safe:

Develop a fire escape plan with your family. Make sure everyone knows how to get out and where to meet. Practice the plan at least twice a year. If a fire occurs in your home, get out and stay out. Teach everyone to stop, drop and roll if their clothes catch fire.

Install smoke alarms on every level of your home. Test them once a month, and if they're not working, change the batteries. Replace them every 10 years.

Keep flammable items at least three feet clear of anything that produces heat, such as a space heater or a fireplace.

Install carbon monoxide alarms in central locations on every level of your home. If it sounds, move quickly to a fresh air location outdoors or near an open window or door.

Cook safely, and teach your kids to do the same. Stay in the kitchen when frying, grilling or broiling. If you leave the kitchen, even for a moment, turn off the stove. Stay home while simmering, baking, roasting or boiling. Check on it regularly and use a timer to remind you. And keep anything that can catch fire, such as pot holders or towels, away from the stove.

Use caution with portable fire extinguishers. Keep one in the kitchen, but use it only if you have been trained by the fire department and if the fire is confined to a small area, the room is not filled with smoke, everyone has exited the building, and the fire department has been called.

Source: www.larryandsons.com.

Published with permission from RISMedia.


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How to Save Money on Travel Insurance

October 27, 2016 1:18 am

While traveling is exciting, it can also be stressful, especially if you are forced to make changes last minute, which can cost you time, energy, and your hard earned cash. This is where travel insurance can come in handy. But insurance itself can be pricey. Below are four tips on how to avoid overspending the next time you buy a travel insurance policy, courtesy of Squaremouth.

DON'T: Insure More Than Necessary
Travel insurance is intended to cover the money you will lose if you cancel your trip. Generally, you only need to insure your prepaid and non-refundable expenses. If that amount increases after you buy a policy, you can call your provider and increase your insured trip cost.

"If you can cancel all your hotels for just a small penalty, insure the cost of the penalty rather than the full amount of the hotels," says Squaremouth Product Manager Adam Rusin. "A lower trip cost generally means a lower premium, and you're still covered for the amount you would lose if you canceled."

DO: Compare Your Options
Travel insurance policies are not "one size fits all." Take a few minutes to research your choices using a travel insurance comparison site and determine what coverage you need. Call and speak to an agent if you aren't sure.

"We get a lot of calls from travelers looking for advice, or trying to understand and compare the coverage they're being offered by their cruise or tour operator," says Squaremouth Customer Service Director Jessica Harvey. "Customers are often surprised to see so many other options that offer the same or better benefits at a lower price."

DON'T: Upgrade to Cancel For Any Reason
While the Cancel For Any Reason upgrade offers greater flexibility to cancel your trip, it can increase the cost of a policy by as much as 40 percent, and it only reimburses a portion of your trip cost. There's no reason to pay more if your concerns are covered by standard travel insurance.

"The most common concerns we see are generally covered by standard cancellation policies, such as canceling due to an illness or a family member passing away," says Squaremouth Quality Assurance Manager Emily Phinney. "We don't recommend Cancel For Any Reason unless someone has a unique concern that isn't otherwise covered."

DO: Buy the Least Expensive Policy
A higher price tag doesn't necessarily mean better service or better benefits. Once you decide what coverage you need, choose the most affordable policy with that coverage.

Source: www.squaremouth.com.

Published with permission from RISMedia.


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