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

Eliminating Electrical Fire Hazards at Home

May 14, 2015 12:39 am

While electricity plays a major role in our daily lives, we often take its power and the conveniences it provides - along with its potential for fire-related hazards - for granted. According to National Fire Protection Association (NFPA) statistics, electrical fires resulted in $1.48 billion in property damage in a five-year period. To mitigate risks for electrical fire, protect your home and loved ones with these safety tips.

• Have all electrical work done by a qualified electrician.

• Only plug one heat-producing appliance (such as a coffee maker, toaster, space heater, etc.) into a receptacle outlet at a time.

• Arc fault circuit interrupters (AFCIs) are a kind of circuit breaker that shuts off electricity when a dangerous condition occurs. Consider having them installed in your home by a qualified electrician.

• Use ground fault circuit interrupters (GFCIs) to reduce the risk of shock. GFCIs shut off an electrical circuit when it becomes a shock hazard. They should be installed inside the home in bathrooms, kitchens, garages and basements. All outdoor receptacles should be GFCI-protected.

• Test AFCIs and GFCIs once a month to make sure they’re working properly.

• Check electrical cords to make sure they’re not running across doorways or under carpets.

• Extension cords are intended for temporary use. Have a qualified electrician add more receptacle outlets so you don’t have to use extension cords continuously.

• Use light bulbs that match the recommended wattage on the lamp or fixture. A sticker will indicate the maximum wattage light bulb to use.

Source: NFPA

Published with permission from RISMedia.


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Many Renters Underestimate Insurance Needs

May 14, 2015 12:39 am

Though many renter’s insurance policies are affordable, more than half of Americans who rent their homes or apartments do not have coverage, according to a recent InsuranceQuotes.com survey. Just 37 percent of renter respondents have renter’s insurance. Why the indifference?

The National Association of Insurance Commissioners reports the average cost of renter’s insurance is just $187 per year. But the majority of renter respondents say they lack renter’s insurance because it is too expensive – 71 percent believe a policy will cost more than $250 a year, and 22 percent believe a policy will cost $1,000 or more a year.

Other respondents report not needing insurance because their rental home or apartment is secure, their landlord has insurance or they don’t have enough property to insure.

“Landlord’s insurance typically doesn’t cover renters’ belongings,” says Laura Adams, InsuranceQuotes.com. “And even in a highly secure area, theft, fire, water damage and other accidents can still occur and are costly expenses to pay for out-of-pocket. Renter’s insurance is an inexpensive financial safety net that every renter should have.”

Source: InsuranceQuotes.com

Published with permission from RISMedia.


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