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Barbecue Safety Tips to Help You Minimize Your Risk for a Disaster

Check out these barbecue safety tips to help you stay safe.

Summer is right around the corner, and it’s time to fire up the grill. Backyard barbecues are a staple of the summer season. Ensure that your barbecue goes off without a hitch. Help to avoid any mishaps by brushing up on your grilling safety. Check out these barbecue safety tips so that you’re able to keep your summer barbecues as safe as can be.

Give Yourself Plenty of Space.

It’s important that you have the tools that you need to protect your home. Keep your barbecue at least ten feet from the structure of your home. Additionally, it’s important that you keep the grill away from any flammable materials such as trees or patio furniture. That way you can help to minimize the risk for any fires.

Keep an Eye on the Grill Always.

When it comes to your barbecue, it’s important that someone keeps watch over the grill while it’s in use. Not only is it important to watch the food, but it’s also important to keep curious kiddos and pets away from the grill. Plus, in the event of a fire, you’re better able to react to the situation.

Take Good Care of Your Grill.

When it comes to barbecuing, it’s important that you take good care of the grill. Check gas barbecues for any gas leaks before use, and ensure that the grill stays clean at all times. The more fat and grease build up on your grill, the greater your risk for a fire. Avoid overloading the grill and clean the grill after each use.

When it comes to your safety, ensure that you brush up on your barbecue safety tips. Check out these tools to help protect you from barbecue mishaps. Protect your home from any grilling disasters with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How Your Homeowners Insurance Coverage Stacks Up to Your Needs

Review your homeowners insurance to ensure that you’re well protected from disaster.  

When it comes to your home, it’s important that you protect it from disaster. Homeowners insurance helps to give you the tools that you need to keep your home secure. However, it’s important to review your coverage. Bear in mind that your coverage is limited. While you may have basic coverage that provides your coverage for the structure of your home and its contents, you may have a few coverage gaps. Review your home insurance policy so that you’re able to get the right homeowners insurance for your needs.

Disaster Coverage.

When it comes to your home insurance, you’re covered for a variety of disasters known as covered perils. Your policy outlines what disasters you’re covered for such as fire, windstorms, smoke, damage caused by vehicles, falling objects, theft, and vandalism. It’s important that you know what you’re at risk for so that you’re best able to protect your home from harm. Ensure that you review your coverage and compare it to your risks.

Dwelling Coverage.

It’s important that you have enough coverage so that you can rebuild your home. Adjust your coverage limits so that you have the means to adequately repair your home in the event of a disaster.

Supplemental Coverage.

Whether you need to increase your coverage limits or you need coverage for a disaster not outlined under your policy, supplemental coverage can help you customize your policy. Keep in mind that certain disasters like flooding and wildfires aren’t covered under your homeowners insurance policy. Additionally, you may need more coverage to protect your valuable items. Review your policy’s specifics so that you can get the coverage that you need.

Ensure that your homeowners insurance gives you the coverage that you need. Invest in the right policy and supplemental coverages so that your home is well protected. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Be Ready for Spring with This Strawberry Cheesecake Recipe

This strawberry cheesecake recipe is perfect for all your spring entertaining.

Spring is here, and it’s time for plenty of seasonal entertaining. From backyard barbecues to family dinners, be prepared for entertaining this spring with this strawberry cheesecake recipe. It’s the perfect dessert to enjoy all season long. Here’s what you’ll need to get started.

Ingredients:

24-ounces cream cheese

14-ounces sweetened condensed milk

1/2 teaspoon vanilla extract

1/4 cup lemon juice

3 eggs

1 tablespoon cornstarch

20-ounces frozen sweetened strawberries

1 graham cracker pie crust

Start by preheating the oven to 300 degrees. Ensure that the cream cheese has softened and that the frozen strawberries have been thawed and drained. In a mixing bowl combine the cream cheese and the condensed milk until fluffy. Next, add in the vanilla and the lemon juice. Mix thoroughly until the batter is smooth as you beat in the eggs. Set the batter aside.

In a blender combine the cornstarch and the thawed strawberries. Blend until pureed and transfer into a saucepan. Bring the sauce to a boil, stirring occasionally, so that it becomes a sauce. Set aside a third to be refrigerated.

Pour half of the cream cheese batter into the graham cracker crust. Pour a layer of cooled strawberry sauce over the cream cheese batter. Pour the remaining batter on top. Drizzle the remaining strawberry sauce on top.

Bake for about 45 minutes. Let it cool and keep it refrigerated. Serve garnished with the remaining strawberry sauce and enjoy.

Be ready for all your springtime entertaining with this strawberry cheesecake recipe. Ensure that your home is ready for all your entertaining with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Springtime Gardening Tips to Keep Your Yard Looking its Best

Learn how to get your garden ready for spring with these tips.

Spring is here, and the flowers are in bloom. Bring all the beautiful foliage of spring to your garden this season. Enjoy a gorgeous garden all through the spring as you tend to your garden and keep up on your yard maintenance. Find out what you need to know about getting your garden spring ready with these gardening tips.

Clean Up Your Yard.

It’s important that you clean up your yard before you begin working on your garden. Ensure that all your drainage systems are in good shape so that you can avoid any flooding in your yard. Clear any drains, and ensure that your home’s gutters and storm drains are debris-free. Additionally, get rid of any dead plants and weeds, and trim overgrown trees and shrubs. That way you keep your yard clean, manageable, and reduce your risk for home damage.

Fortify Your Soil.

Healthy soil is a must when it comes to keeping your garden in great shape. Ensure that your soil has the right nutrient balance for your plants to thrive. Test the soil for its nutrient content.  Add the necessary minerals as well as mulch and compost so that your soil provides what your plants need.

Choose Your Plants.

When it comes to your garden, it’s a good idea to choose plants that thrive in the spring. Flowers like tulips and lilacs and pansies are excellent options. Additionally, veggies like lettuces and tomatoes are also good choices. Choose the colors and textures that you want in your garden and get to planting.

Keep your garden looking its best this spring. Tend to your garden and keep up on your home maintenance this season. Protect your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Keep Mold to a Minimum in Your Home with These Prevention Tips

Learn how to keep your home safe from mold with these tips.

Keeping your home safe and secure requires a lot of maintenance. From installing smoke detectors to cleaning gutters, taking preventative measures to keep your home safe from house fires or flooding seems easy enough. However, when it comes to mold threats, we often forget to take action. Mold can grow quickly and easily, and it can pose a serious threat to your health. Protect your home with these mold prevention tips.

Keep Humidity in Check.

When it comes to keeping mold away, it’s important that you keep your home dry. The more moisture in your home, the greater the likelihood of mold growth. Reduce your risk for mold by investing in a dehumidifier. Set the moisture levels in your home to less than 50 percent humidity so that mold doesn’t thrive indoors.

Check for Leaks.

Mold loves damp places. If you have a leak in your home, you increase your risk for mold growth. Inspect your home for leaks regularly. Check under sinks, behind toilets, and on your roof for any signs of leaks. If you find any leaks, have them fixed as soon as possible.

Dry Surfaces Promptly.

Wet surfaces in your home should be dried as soon as possible. Wipe down any wet surfaces until thoroughly dried. Additionally, ensure that your home’s ventilation is in check so that your home dries more quickly.

Clean Often.

When you see the first signs of mold, it’s important to take care of it as soon as possible. Get to cleaning with the right products. A combination of bleach and water can help to remove mold from hard surfaces. Keep surfaces clean, so you can stop a mold problem before it gets out of hand.

When it comes to your health and your home, it’s important that you take action to stay safe. Reduce your risk for mold with these tips, and invest in the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas

Take a Home Inventory to Protect Your Home After a Disaster

Find out what you need to know about taking a home inventory.

Your home is full of precious memories and possessions. Not only do most of these items have sentimental value, but your personal possessions are expensive. When it comes to your home, it’s important that you have the right tools to protect it from disaster. Homeowners insurance helps to provide you with the tools that you need to rebuild after a disaster. However, to best rebuild, you must take a home inventory. Check out what you need to know about a home inventory so that you keep your home safe and secure.

Simplifying the Claim Process.

In the event that you need to replace your personal possessions after a disaster, trying to replace all your items can be a huge headache. Fortunately, a home inventory helps to alleviate the problem. Since you’ve documented all the items in your home, you know exactly what needs replacing. Conducting a home inventory helps to streamline the process so that you’re better prepared to handle the aftermath of a disaster.

Accurate Coverage Limits.

When purchasing homeowners insurance, it’s important that you have the tools that you need to rebuild your home from the ground up after a disaster. Choosing the right coverage depends on variables such as the contents of your home and how much you would need to replace the essentials. When you conduct a home inventory, you have an accurate measure of the value of the items in your home. You’re then better able to choose the right insurance coverage limits for your homeowners insurance.

When it comes to your home, it’s important that you take a home inventory. Protect your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Find Out If You're Ready to Buy a Home or Keep Renting

Find out if you’re ready for homeownership.  

Deciding where to live is a complex decision. Determining whether or not you’re ready for homeownership depends on a variety of factors. From finances to personal preferences, check out what you need to know about whether you should buy or rent a home.

Are you down payment ready?

Before you decide to buy a home, it’s important that you consider your financial situation. To buy a home, you need to have a substantial down payment. Most often potential buyers are required to have a down payment of 20 percent. Look at your savings and determine if you’re ready to purchase a home. If you have the money, go ahead and take the plunge. If not, then start saving until you’re financially stable enough to buy.

Can you keep up with home maintenance?

As a homeowner, you’re responsible for taking care of your home. There’s no landlord to take care of any maintenance issues. Ensure that you’re ready and able to pay for those obligations. Buying a home is costlier than just monthly mortgage payments. Consider the whole cost of homeownership so that you can determine if you’re ready to buy.

Are you ready to establish roots?

While homeownership isn’t exactly a ball and chain, it’s much more permanent than renting. Homeownership is a long-term commitment whereas renting allows you the freedom to pick up and move somewhere new relatively often. Determine if you’re ready to settle down and establish roots or if you still have a need to move around. If you’re not ready, keep on renting.

Whether you buy or rent a home, you need insurance coverage for your dwelling. When renting, invest in the right renters insurance. When buying, invest in the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How to Get Affordable Home Insurance as a First-Time Buyer

Find out what you need to know about getting affordable coverage as a first-time homeowner.

Buying your first home is exciting. It’s a place that you can call your own. However, your new home is vulnerable. With the threat of damage from natural disasters, or theft from petty crime, it’s important to invest in the right homeowners insurance to keep your home safe. However, as a first time home buyer, choosing the right insurance can be stressful. Ensure that the process runs smoothly and that you get great coverage at an affordable price. Check out these tips to help you choose the right policy.

Pick a Policy Ahead of Time.

When it comes to choosing a policy, it’s important that you do your homework. The more informed you are, the better able you are to find the plan that gives you the coverage that you need in your price range. Don’t forget about researching home insurance policies. Make it a part of your home buying checklist so that you can rest easy knowing that your home is well protected.

Be Wary of High-Risk Homes.

Insurance is primarily based on risk. The higher your risk of something going wrong, the costlier your insurance policy. Before you settle into a new home, be aware of the risks in your area. For example, if you live in a flood plain or if you have expensive building materials, you could be at risk for higher rates. Don’t forget to factor these concerns into your home buying process.

Bundling Coverage.

When it comes to your insurance, you likely have more than one policy. When you buy more than one policy for a particular carrier, they’ll often give you an added discount. Look into choosing an auto or life insurance policy carried by the same insurance provider so that you can save a little extra money.

When it comes to your homeowners insurance, ensure that you choose the right policy at an affordable price. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Why Your Home's Market Value and Insurance Value Differ

Learn why your insurance amount and your selling value may not match up.

Keeping your home well protected is a top priority. With all sorts of threats to your home, insurance is a must. However, insurance is a complex entity. Homeowners insurance gives you basic coverage to protect loss of personal property as well as rebuilding your home in the event that it’s damaged. When insuring your home, however, it’s important to pay attention to how much you’re insuring your home for. Keep in mind that the amount you insure your home for may not match that of how much you could sell your home for. Learn why this discrepancy exists so that you can get the coverage that you need for your home.

Market Value vs. Insurance Value:

There are various numbers at which your home is valued. Most people assess the value of a home based on the market value. However, the value at which you can sell your home is based on tax records, appraisals, and recent selling prices in the area. It’s an arbitrary number based on principles of supply and demand. The insurance value, however, takes your home’s building materials into consideration. The value of your home is based on how much it would cost to rebuild your home from the ground up. Sometimes these numbers don’t match up, and in some cases, you’re insured for more than the market value of your home.

Rebuilding Cost Factors:

Various factors can influence your home’s rebuilding costs. Labor costs in your area, square footage, custom home features, building materials, and the type of house can all affect how much it costs to rebuild. When insuring your home, you should have enough coverage to rebuild your home.

When it comes to insuring your home, ensure that you can rebuild from the ground up. Invest in the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Know How to Go About Getting Your Home Appliances Fixed

Find out what you need to know about fixing your broken appliances.

When it comes to your home appliances, it’s important that you keep them running well. They are an invaluable resource when it comes to your household chores. But sometimes, despite your best efforts, your appliances break. Get your appliances up and running as soon as possible and check out these tips to help you handle broken appliances.

Stay Calm and Evaluate the Situation.

It’s frustrating to learn that your appliances are broken. The dishes may start to pile up, and your clothes may take forever to dry. However, it’s important to remain calm so that you can take control of the situation. Before you rush off to call the service person, check to see whether or not the situation is fixable without professional help. Check to see that the machine is plugged in, the water main is switched on, or that all your fuses are in good shape.

Call for Help.

If the issues aren’t something that you can easily fix, then it’s time that you call in a professional. But before you hire a professional, ensure that your appliance isn’t under warranty. If it is under warranty, use it to make the repairs. However, if you’re making the repairs without the warranty, ensure that it’s done properly. Before you hire a repair person, make certain that you do your homework. Check to see what credentials they have and that they have positive online reviews. The sooner that you do your homework, the sooner you’ll be able to fix your appliances.

When it comes to your home appliances, ensure that they’re well taken care of. Take care of your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.