Insurance Agency | NJ

Don’t Let Your Guard Down – Spring-Time can be Dangerous

Spring is a time that people rejoice in. The weather changes and the trees and flowers start to bloom. It’s really a great time of year and full of life. But life, as many of us know, is unpredictable. And even in these moments of joy and life, disaster is possible. Spring is a great time of year, but there are risks that come along with the spring weather. Here are a few of the possible problems you should be wary of and be sure not to let your guard down just because it’s warm enough to wear short sleeves. And be sure you have an insurance plan that will protect you!

Rain

April showers bring May flowers, as they say. But rain can also cause major damage to your home and property. Especially after severe winter weather, your home’s defenses may be weakened. Your gutters may not be diverting water away from your house in the right way, or your roof may have damage you didn’t notice. It’s important to make sure that your home is prepared for spring rains. Water damage can ruin your home’s foundation, leak into your ceilings and walls, and flood your basement. Don’t let spring fever make you neglectful.

Mud and Flooding

With rain comes two other potentially disastrous spring conditions: mud and flooding. If you live in an area prone to flooding, you need to be ready for spring storms that may bring heavy rain. Be sure to take proper precautions and follow any instructions from officials if roads flood. It’s easy to misjudge a flooded road and swamp your car. As for mud, you should be aware that mud can be a dangerous element. Loose, muddy ground caused by rain can make it easier for trees to come down during storms. Not to mention, mudslides can wash out roads, and lead to major destruction. Be aware of muddy areas, steep inclines, and runoff around your home.

Fire

With all this talk of rain and water, you may think that fire is not a major problem during spring, but you may not be thinking about the fact that spring is also a time for night-time firepits. As a warm day turns into a cool night, a lot of people like to have backyard fires to keep friends and family warm during get-togethers. High winds and dry conditions can make this potentially risky. Be sure to pay attention to weather and warning before having a backyard fire this spring.

Insurance

Of course, you hope that none of this will be an issue for you, but you can protect yourself and be sure that if it does, you’ll be able to recover with the right insurance plan. ABCO can help you find the perfect plan. Contact us today to discuss what types of insurance will work best for you.

Homeowner's insurance | NJ

Get Your Home Ready for Spring

Spring is in the air and people are getting excited about it. Parks are packed on the weekends with families barbecuing and picnicking, people are out and about everywhere you look, yard work is being taken care of once again. All this points to winter moving on and summer preparing for its entrance. But there are things you need to take care of as a homeowner before you can enjoy the spring weather. Here are a few home maintenance tips that will help you get your home ready for warmer weather, spring rains, and the possible return of snow, which all make homeowner’s insurance necessary.

Winter May Not Be Over

The first thing to keep in mind during spring is that weather is unpredictable and winter may not have released her grasp quite yet. Especially in early April, it can be dangerous to assume that winter has officially given up. So, the first tip is to make sure that you don’t overestimate warm weather and leave windows and doors open overnight. Even on the warmest spring days, the night can bring major cooldowns that can bring things down to freezing levels. It’s also a good idea not to put away shovels and salt until you’re sure that the weather is going to stay warm.

Rain

Another thing to prepare for in spring is rain. The old adage goes “April showers bring May flowers”, but rain can also bring major problems for the unprepared. As spring moves in, it’s a good idea to check and clean your gutters and inspect your roof. If you’re comfortable on a ladder, these are things you can do yourself. If not, you can hire professionals to do it.

Outdoor Faucets

You should also check outdoor faucets for any damage. Winter weather can lead to broken pipes that you may not notice until Spring. You can easily check by turning on the water and placing your finger over the faucet. If the water stops, it may be escaping through a crack or break.

Trees

Your yard will likely need attention too, it’s very important you check out the trees in your yard while you’re doing this. Spring storms can bring down dead trees and rain can wash away sturdy ground, making it easier for trees to fall, damaging your home.

Furnace and Air Conditioner

Spring is also a good time to clean your furnace and get your air conditioner ready for summer. Cleaning out air filters, blowers, and motors can make it easier when it comes time to use these things in the future.

Homeowner’s Insurance

The most important thing to keep in mind is that your home is well protected with the right homeowner’s insurance plan. ABCO can help you with this, so contact us today!

restaurant insurance | NJ

Restaurant Insurance: Protection in a Very Risky Business

A lot of people think they can start a restaurant because they have some great recipes or because they host great dinner parties. But the restaurant business is risky. In fact, most restaurants fail pretty early on after they open. That doesn’t include the potential risks outside of the balancing act of trying to make your restaurant successful. There are a lot of liability issues to contend with where fire, water, people, food, and alcohol come into close contact. Restaurant insurance is a necessity.

Kitchen Accidents

You’ve probably invested a lot of money in your restaurant, so it’s important to protect that investment. Restaurant insurance helps you protect your restaurant and your finances from the unpredictable. Considering that your kitchen uses fire, heat, electricity, and some sharp, potentially dangerous equipment, having the right insurance plan is imperative. Fire can cause damage to your property or even potential injuries to employees. The same goes for water in your kitchen or your dining room.

Guest Accidents

Not to mention that a successful restaurant is one with customers. Guests who come to your restaurant can potentially have accidents. Slipping and falling, tripping, and other potential accidents can lead to lawsuits and more. When someone comes into your restaurant you are responsible if they have an accident. It’s better to protect yourself instead of hoping the worst never happens. The right insurance plan will help protect you in the event that something happens.

Food Problems

There are also less obvious threats to your financial security in the restaurant game. Food can be immensely fickle. If there’s a power outage and you’re not aware of it, you may lose thousands of dollars in spoiled food. Employee theft can also lead to losses you were not prepared for. Replacing damaged equipment can also cost a lot, whether it’s your dishwasher, oven, broiler, or other kitchen implements.

ABCO

The restaurant industry is not easy. Or a sure way to riches. But ABCO can help you find an insurance plan that will cover you for all of the above potential losses. That kind of coverage can help you recover from a disaster in a business already prone to potential failure. Contact us today to discuss restaurant insurance for you from ABCO.

insurance | NJ

Home Maintenance Can Help You Protect Your Home

Regular home maintenance can go a long way to keeping your house safe and secure. By making sure you’re taking care of certain chores, you’re preventing possible damage and disaster. Being proactive is always your best defense when it comes to possible dangers and accidents that can ruin your home and leave you with a hefty repair bill.

Your Climate Control

As far as maintenance goes, your home’s climate control system can be something that gets neglected easily. But it’s one of the most important things to stay on top of. A problem with your climate control can lead to major issues. From flooding caused by a frozen pipe while you’re away to an electrical malfunction with your air conditioner causing a fire, you should be sure to stay on top of your climate control system all year.

Gutters

Your gutters are another neglected part of your home that can lead to major problems. Your gutters divert water away from your home when it rains. If your gutters are clogged, you may wind up with water build up. This can lead to overflowing gutters that can damage siding, roofing, and eventually structural problems. Regularly cleaning your gutters and replacing broken gutters or downspouts will help prevent this.

Trees

If you live in an area with a lot of trees, you need to be taking care of them. Trimming branches and removing dead trees is the only way to prevent them from falling on your home. Some trimming and tree removal may be easy to do, but for the most part, you should have a professional check out your trees and do the work. It’s important you keep an eye out, though.

General Care

By keeping up with your house, you also make it less appealing to burglars. When your house falls into disrepair, it looks like there’s no one living there. This can lead to your home becoming the target of thieves. Simple things like shoveling walkways, raking leaves, collecting trash and refuse, and keeping things organized can keep your home looking occupied at all times.

Insurance

If you’re looking to further protect your home, the right insurance plan can help. Contact our team at ABCO to discuss an insurance plan that fits you!

Home safety tips | homeowner's insurance | New Jersey

Things to Know About Your Home Heating System

When it comes to a comfortable home during the winter months, heat is high on the list of desired amenities. But heating systems can become a serious problem if they’re not maintained correctly. Make sure you’re not only getting the most out of your heating system but keeping your home and family safe with these tips from ABCO.

Fire

Fire is one of the most obvious dangers of a problematic heating system. Yearly maintenance is the first thing to do to help prevent fire hazards with your heating system.  Make sure your heating system is maintained by someone who knows what they’re doing. Getting your heating system in order should be something you do at the start of every winter season, if not before. The same goes for fireplaces and chimneys; have these inspected every year.

Gas leaks can lead to dangerous situations both from inhalation and from the potential of this flammable gas causing an explosion or fire. Natural gas is colorless and odorless, but the gas company adds a chemical that makes it smell like sulfur or rotten eggs. If you notice this smell, call your gas company or 911 and leave the house immediately.

If you use portable heaters or space heaters, be careful not to leave them running while you’re not there. And make sure not to leave heaters like this on overnight.

Carbon Monoxide

You’ll also want to be mindful of carbon monoxide. Carbon monoxide is often referred to as the silent killer and any type of combustion process can produce this colorless, odorless gas. Regular maintenance for your heating systems and a carbon monoxide detector can help keep your family safe.

Water Damage

You may not think about your heating system causing water damage, but if your home is heated by hot water, broken pipes can leak and cause major damage. And damaged or missing radiator valves can cause steam to leak out, which can cause severe burns. You’ll want to make sure you drain your boiler periodically to help prevent leaks from acidity and water impurities.

Further Protection

Regular maintenance and some common sense can go a long way to keep your home’s heating system operating safely. But there’s always the chance for something to go wrong. You can further protect your home and possessions with an insurance plan. You never know when disaster may strike, but with a homeowner’s insurance plan from ABCO, you can rest assured that you’ll be covered. Contact us today to find a plan that suits your needs!

 

Got Car Insurance?

Practical Insurance: Make Sure You’re Appropriately Insured

Insurance is a necessity. No doubt about that. But practical insurance does not mean that you need to or should insure every item in your home, or purchase insurance plans that are not relevant to you. You need to find insurance plans that work for you, your budget, your line of work, and more. Here is a quick guide to help you figure out what insurance items are necessary, practical, or not needed.

For Everyone

The first thing to note is that some insurance plans are necessary or, at least, should be considered by most people. One form of necessary insurance is car insurance. If you own a car, you are legally obligated to insure the car in order to be road legal. You can be fined for driving an uninsured vehicle and in the event of an accident, you’ll have to pay out of pocket. One form of insurance that almost everyone should consider is life insurance. You’re not too young to look into life insurance plans. These plans help you prepare for the future and ensure your family is always taken care of.

Your Specific, Individual Needs

Next, you’ll want to figure out what type of insurance is right for you. If you own a home, you’ll want a homeowner’s insurance plan. If you run a business, you may want to invest in different plans that relate to your work. You may need to insure a specific, expensive item in your home that’s separate from your homeowner’s plan. Flood insurance may be a good idea if you live in an area prone to flooding. It is really important to understand your risks and research what insurance plans may fit your needs best. You need to have a good idea of what you want to insure and what you can afford to insure.

Finding Your Plan

Once you understand what your needs are and have a general idea of what you want to insure, the best way to make sure you’re getting an appropriate insurance plan is by talking to experts. When you talk to insurance professionals, like those at ABCO Insurance Agency, you can be sure you’re getting the right coverage. We can help you find plans that cover you and fit your specific needs, because not everyone will have the same needs.

If you’re in need of insurance, or considering a new plan, ABCO can help. Contact our team today!

Fireworks

New Insurance for a New Year

A new year means new challenges, new triumphs, and a fresh slate. With luck, you’ll grow this year, meet the goals you’ve set for yourself, and achieve the things you’re hoping to achieve. That means that as the year goes on, hopefully, your life will have changed for the better. With change, comes uncertainty, though. And as you change, so do your insurance needs. Make sure you’re combatting the uncertainty of a new year and that your insurance plan fits you and your achievements this year.

Uncertainty

As we move forward in our lives, we often change. With each new year, we’re faced with a brand-new set of obstacles and uncertainties. But those uncertainties don’t have to weigh heavily on us. The right insurance plan can help you balance the unknown with the assuredness that your possessions and future are secure from even the most unexpected events. An insurance plan that covers your valuables, your home, your vehicle, and your life may help you go into the new year confident and ready to face whatever comes your way.

Changing Circumstances

But with a new year also comes a new set of circumstances that may affect your insurance plan. Those circumstances may include a new home, a new child, a new car, a new job, or a number of other things that may change the definition of the “right insurance plan” for you. So, how do you navigate these changes and make sure you’re insured accordingly?

ABCO Insurance Agency Inc. can help you find a plan that fits you, your family, your possessions, and your needs. Insurance isn’t a cookie-cutter, ones-size-fits-all product. You need to find the right plan for you. That’s why a trusted agency can help you. Especially if you’re not very familiar with insurance products and what they may or may not cover. We’ll help you understand the plan you’re purchasing and make sure it fits you and your goals for 2019.

ABCO

So, if you want to go into this new year confident and ready to face what challenges may arise, contact our team today to discuss how we can help you find an insurance plan in-line with your needs and goals!

Snowy night

A Happy Holiday Home: Tips for Fire Safety During the Holidays

A happy holiday for most is one that includes family gathering together. Your house can truly become a home during this period when relatives come to visit and people you love spend time together in the house you love. The thing about togetherness is that it makes you feel safe and secure. When you’re with people you care about, you worry less and love more. But the holidays are also a time when there are more fire hazards in our homes. So, to add to this feeling of safety make sure your holiday is enjoyed without any mishaps by taking some added fire-safety precautions.

Holiday Fire Safety Tips

  • If you celebrate Christmas and you have a real tree in your house, make sure you’re doing everything you can to keep your tree alive. A dead tree can create an inferno if exposed to open flames or a spark from a faulty wire.
  • If you have children in your home, make sure lit candles are far out of reach and that electrical outlets are covered.
  • Make sure that your Christmas lights are not ragged, and wires are not exposed. It’s also a good idea to use surge protectors and not overload outlets.
  • Before preparing any large meals, make sure that your oven and stove are in proper working order.
  • Keep pets away from lit candles or fireplaces.
  • Always use gas, electric, or traditional fireplaces correctly and responsibly and be careful hanging stockings made of flammable materials on the mantle.

Having a happy holiday is synonymous with a safe holiday. You don’t want to put your family, friends, possessions, or yourself at risk by neglecting these simple suggestions. You can make sure your home is ready for the holidays, but don’t get so festive you lose sight of what matters most: the safety of your loved ones.

Protect Your Home

A happy holiday home is safe and secure, but it’s also insured. ABCO Insurance Agency can help you find the right plan to help you further protect your home from the worst. So, contact us today to find a homeowner’s insurance plan that would be right for you.

From all of our team here, we’d like to wish you and yours a very happy and safe holiday and a great New Year!

Fireplace

Protect Yourself this Holiday Season

The holiday season is a great time for caring, being with family, being appreciative, and giving. But it’s also a time for thieves to target you, accidents to happen, and for increased chances of fires. That’s why you need to protect your home, your belongings, and your car this holiday season. Here is our guide to making sure you have a safe holiday season.

Burglars

One of the major threats of the holiday season is from burglars. Your house is bound to be full of expensive gifts. There’s also the potential that your house may be empty as you visit family or take a vacation. Thieves may take advantage of this time of year to break into your home and rob you. So, it’s a good idea to make sure your home is secure when you leave. You should lock all doors and windows and close your curtains, so potential burglars cannot see inside. It’s also a good idea to arm your alarm systems, put your lights on timers, and let neighbors know you’re traveling. A good neighbor may pick up your mail for you and even shovel your driveway, so it looks like you’re at home.

Driving

With more people on the road and potential wintry weather, driving can be a dangerous business during the holiday season. It’s a good idea to make sure you drive safely and defensively. Leave plenty of space between you and the car in front of you. Slowdown in bad weather and put your lights on. Make sure your tires have good tread and your windshield wiper blades are in good shape.

Fire

The risk of fire is much higher during the holidays. More people cooking, more people using their fireplaces, more people lighting candles, cheap or old holiday decorations with lights: all of this puts your home at risk. So, make sure you’re taking care of your home. Throw away faulty lights, always be safe when cooking or using a fireplace. Keep your Christmas tree well-watered and away from your candles and fireplaces. Also, never leave candles unattended for any period of time or left lit overnight.

Protection

Another great way to protect yourself this holiday is with the right insurance plan from ABCO. A homeowner’s insurance plan can help you recover from burglaries and fire damage. And the right car insurance plan will help you recoup losses after an accident. Contact us today to make sure you’re protected this holiday season!

 

Cornucopia

Protect What You’re Thankful for and Appreciate More

Yesterday, most of us gathered around the dinner table and thought about what we’re thankful for. During this time of year, it’s a great thing to think about what you’ve accomplished, what you have, what you want to achieve, and what you’re hoping for. If you’re lucky enough to have been thankful for a wonderful home, a working car, and a family that loves you, that’s a great thing. If you’re hoping that next year (or some years down the line), you’ll be able to give thanks for one or all of those things, that’s great too. Sadly, worry creeps into the human mind far too easily and makes it hard to be grateful sometimes. One way to set aside some of that worry is with the right insurance.

How Insurance Helps

Worry is a common human emotion, but sometimes worry is unnecessary. When you take the right precautions and protect what you’re thankful for, you can set aside some of the doubt. For example, with the right home owner’s insurance, you can rest assured that your home is protected in the event of something unexpected. Maybe that unexpected issue is a strong wind taking shingles off your roof. Or maybe it’s fire damage from a candle left burning. Either way, the right insurance plan can help ease your mind and help you prepare for these incidents.

The same goes for your car. Your car is important to you. It makes sense that you would be thankful for your primary means of transportation. But it’s easy to worry about your car being hit or damaged. That worry can be set aside when your car is adequately insured. Your family is also going to be something you’ll worry about. A life insurance policy can help rest your mind about the possibility of your family having to provide in your absence.

The Right Plan

Insurance isn’t only about recouping finances after a disaster, accident, or act of nature. Insurance is about ease of mind. It helps you set aside the worry that makes life complicated. It’s there to help, not to hinder. Our team at ABCO understands that.

So, contact our team today to discuss the right plan for you!