Tips for a Safer Home this Spring

February 17, 2018

A Little Planning Can Mean A Lot of Safety

Spring is right around the corner and you may be thinking about getting outside and planning yard work but don't neglect the inside of the house as well. Now is the time to do a little pre-spring cleaning, and also take stock of potentially dangerous situations in your home.
Safe Stairs Your staircase can be a real household hazard and should be one of the first places you look when thinking about safety. After being cooped up in the house all winter, there can be clutter on the stairs that should be cleared away. Don't leave items on the steps, hoping that the next person will bring them up. While you're evaluating your stair situation, is the area well-lit with a non-slippery surface on the step treads? Slick steps are dangerous, so you should plan on getting some grip tape or even installing a runner carpet for better traction.
GFCI Outlets Do you have ground-fault circuit interrupters (GFCIs) installed in places where there may be water around? Without getting too technical, they operate like small fuses to cut the power in an instant if the outlet is overloaded. So splashes or leaks don't lead to electrocution. They are easy to install on your own with some basic tools, and they work just like the normal outlets. If you're not comfortable with electrical work, a professional will have no problem doing these little upgrades.
Toxins in Storage Spring can mean more major cleaning, and more work outdoors. When you start to have additional bottles of weed killer, bleach, BBQ lighter fluid or any other toxic substance, you need to store them safely. If you have any kids or even pets in the house, you should keep all of these things in a locked cabinet. Anything that gives on strong fumes should even be stored outside in a shed or garage for a little added safety.
Take Care with Tools Spring is the time of year to fix all the damage that winter brings, and that can mean tools and equipment lying around as you work. Never leave power tools plugged in while unattended, and sharp objects or blades should be stored safely between projects. Ladders should be placed on firm surfaces, which can sometimes be tricky if you are working outside on wet spring soil. Don't leave them up either once you're done for the day.
Secure Windows Families with no small children or pets probably don't have to worry about this one too much, but when you're opening more windows up to the warm spring air, you need to have secure screens to prevent falls and escapes. It also protects against any objects getting knocked out of a window and possibly hurting someone below. As we think about spring arriving it is a good time to take small tips to assure a safe and enjoyable season for all.

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Auto Rates and Finger Prints: Both are Unique to You!

By Jeff Ryan • April 7, 2026

Factors You Can’t Easily Control These factors are built into your profile, but still play a major role: Your location: Claim trends, traffic, and weather patterns where you principally drive. Your age and driving experience: Especially for younger drivers. Other drivers in your household: Their age and driving history. The vehicle you own: Unique to the Year, Make, Model, and Sub-model’s damageability and cost of parts/labor. These factors significantly influence price differences, but they don’t tell the whole story. Factors You Can Control This is where habits and wise decisions can make a real difference: Your driving habits: Minimizing tickets and accidents can have a direct impact. Your coverage choices: Liability limits, deductibles, and optional coverages can vary widely. Your insurance consistency: Avoiding lapses in coverage. Your annual mileage: How much and how often you drive. Discount opportunities: Bundling, pay-in-full, NYS defensive driving course. Your Insurance Score (Yes—You Can Influence It) Insurance companies use a credit-based insurance score as part of their rating process. While it’s based on financial behaviors, it is not permanent—and it can be improved over time. Simple habits like: Paying bills on time Reducing outstanding debt Avoiding excessive credit inquiries… can positively impact your score—and in turn, your insurance rates. Your insurance score is under your control and a worthy mid to long-term project in and of itself. For more information on what you can do to positively influence your score, see: Great 8 Tip #8 - What's Credit Got to Do with Insurance? How Can I Improve My Auto Insurance Score Why Comparing Rates Doesn’t Work When someone says, “I only pay…” , the uniqueness of their fingerprint is missing. What are their: Deductibles Driving history Insurance score Household profile Coverage limits: what they may be giving up in terms of protection. Price without context can be misleading and discouraging.