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summer

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.

Summer Home Maintenance Tips to Keep Your Home Safe & Secure

Check out these home maintenance tips to keep your home secure.

Summertime is here! Before you get ready to enjoy a season full of sun and beautiful weather, ensure that your home is ready to h. The start of the new season is the perfect time to brush up on your home maintenance. Check out these tips to keep your home in tip-top shape.

  • Clean your gutters. Over time, your gutters build up with lots of dirt and debris. While it may not seem like a big deal, if not taken care of, you could face serious issues down the road. For example, when it does rain, the gutters can overflow and cause lots of water damage to your home.
  • Inspect your deck. You may have already fired up the barbecue and started grilling. However, it’s a good idea to inspect your deck for any loose or rotten boards or exposed nails. If you do notice any potential hazards, take care of them right away.
  • Check your filters. From your air conditioning filter to your dryer vent, it’s important to check to see if they need a good cleaning. Over time dirt and lint build up and not only diminishes the function of the appliance but can also lead to fires.
  • Update your landscaping. Trim the trees and plant new flowers. When it comes to your yard, it’s important to keep it well maintained for safety purposes. Low hanging branches can pose a safety hazard to your home, and an overgrown garden may provide cover for those trying to rob your home. Keep your yard up to date so that you can keep your home safe.

Keep up on your summer home maintenance and protect your home with homeowners insurance. For your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How To Get The Best Travel Deals For Your Next Vacation

Check out these tips to get the best deals on your next travel plans!

When it comes to travel, the world is your oyster! With summer vacation approaching, there are so many great places to see and so many fabulous ways of getting there. However, sticking to a budget is important. Make sure you get the most out of your travel and check out how you can score the best deals for your next vacation.

Go In The Off-Season.

While it may be difficult to arrange with work and school schedules, if you can take time off during the off season you can get a great deal. Summer is peak travel season and since there is so much demand, it’s easy to raise prices. However, in the off months, you have low demand for travel and thus, you can take advantage of all sorts of travel deals.

Compare & Contrast.

Finding a great deal takes little effort. Make sure you do your homework and check multiple travel sites for deals. You can then compare comparable vacations to see which one best fits your needs. Just be sure to pay attention to the fine print. While one trip may appear to have a lower ticket price, it doesn’t necessarily mean it’s cheaper. Look at what’s included to ensure you have fair comparisons.

Start Your Search Early.

Get a feel for the market. The more you know about pricing trends, the better able you are to find a great deal. This is especially true when it comes to airfare. Airfare is known to fluctuate in price. While there’s no science to determine when it’s best to buy, keep in mind that flight prices are based on a number of factors. Airport size plays a role in how many flights go in and out of an airport. Try to see if flying into a larger airport gives you a cheaper fare. Additionally, nonstop flights tend to be a little pricier than those with a layover. You can try to save a few bucks by eliminating your nonstop flight.

When it comes to your vacation, make sure it goes off without a hitch. Ensure that you’re covered with the right insurance, and contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Motorcycle Coverage Options

Summer is the perfect time to pull your motorcycle out of storage and cruise the open roads. Before strapping on your boots and buckling your helmet, it is important to take the time to look over your motorcycle insurance policy to ensure that you have the right amount of coverage. Keep these motorcycle coverage options in mind when considering your policy.

  • Collision – collision coverage will provide protection for any damage that is done to your bike during an accident with another vehicle or object, minus your deductible. If your bike is a total loss, typical collision coverage will offer actual cash value based on the resale value of your motorcycle. If you have any after-market products on your bike you should consider investing in additional equipment coverage to properly insure your motorcycle.
  • Liability – any property damage or bodily injury that you cause during an accident will be covered by your liability coverage. Keep in mind that liability coverage will not provide any protection for your bike or any injuries that you incur.
  • Comprehensive – damages that are done to your bike in an incident other than a collision, such as by theft, fire, or falling objects will be covered under your comprehensive coverage.
  • Personal injury protection – also known as PIP, this coverage will pay for any medical bills that are incurred by you or your passenger during an accident, no matter who is found to be at fault. It will also provide coverage for any lost wages or funeral expenses that are related to the crash.

For all of your motorcycle insurance needs, contact the insurance professionals at The Schwab Agency in Colleyville, Texas. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection for your specific needs, all at the right price.

Car Maintenance Tips

Loading up the car for a family road trip for the summer is one of the most popular pastimes in America. Even though road trips can be tons of fun, they can also come with some dangers. Keep these car maintenance tips in mind before you head out on the road to ensure that you have a safe and fun summer vacation.

  • Engine oil – if you are due for an oil change, make sure to take your car in before you head out. If you think that you will hit your manufacturer’s recommended oil change interval while you are on your vacation, get one done by a trusted mechanic before you leave so that you do not have to find one on the road.
  • Hoses – typical rubber hoses have a life span of 10 years if they are just sitting on a shelf. However, when they are constantly heating up and cooling down in your car, their lifespan is significantly shorter. Check all of your hoses and look for cracking, blistering, and holes. If you find any issues with your hoses, replace them before you start on your trip.
  • Engine coolant – new vehicles have engine coolant that is designed to last up to 150,000 miles. If you have a car that is less than four years old, check the coolant reservoir to make sure that it is topped off.
  • Tires – since your tires are the only part of your vehicle that touch the road, they are one of the most important safety features. Check to make sure that your tires are properly inflated and that you have plenty of tread. If you have not replaced your tires in a few years, it may be time to invest in some new ones.

Having the right auto insurance policy can help to make sure that you are covered from any peril on the roads this summer. Contact The Schwab Agency in Colleyville, Texas for all your car insurance coverage needs.

Recent hailstorms in Texas have many people surveying damage and making claims on their homeowners insurance. After all, that is what homeowners insurance is for. When weather damages your home, whether it be hail, ice, wind or some other calamity, you want to know your home is covered. That is why it is always prudent to have an insurance review to make sure you have the coverage you believe you have.

The transition from summer to fall can create some damaging storms. As the seasons change, so do the opportunities for weather damage. Our recent hail has created a certain bonanza for roofing companies. These companies have taken to the airwaves promoting that they can indeed get people a whole new roof. That is unfair and inaccurate.

Insurance is designed to restore your home to pre-damage condition. It‘s not designed as an opportunity to get an entire roof. Those who pursue a whole new roof through these tactics are placing a burden on others who have the same insurance company, as it will ultimately lead to higher insurance premiums.

If you have questions about your homeowners insurance coverage please contact us at The Schwab Agency.

When most think of summer, they think of fun in the sun and getting a chance to finally have some quality family fun time. The best thing to do on those warm summer days is to go swimming and try your hand at other water sports. but you want your family and friends to stay safe while swimming and boating. Here are 10 tips from The Schwab Agency to help your family and friends stay safe.

1. Always tell someone where you are going and when you plan to be back.

2. Never swim or go boating alone, always swim with other friends or family members.

3. Know what you can handle and do not push yourself to go beyond your limits.

4. Be ready for sudden weather changes.

5. Wear proper shoes and clothing. Bring clothes for warm weather and clothes for colder weather.

6. Always wear a Personal Floatation Device when in the water.

7. Have a first aid kit on hand and teach everyone to use it.

8. Do not drink alcohol if you are watching children swim.

9. Don’t rely on floating toys as a safety device.

10. Watch out for underwater currents.

For more information about water safety, please contact The Schwab Agency.

The summer is the perfect time to be grilling amongst friends and family. When you have a party, you want to be cautious at all times because of the heat of the grill as well as young children under foot. When you’re using the grill, have a fire extinguisher nearby and always use a grill mitt when handling things that could have gotten hot from the grill.

Especially if you are grilling around a pool area, make sure there is always an adult watching the kids – or install a fence around the pool to protect kids from going in when there is no supervision. This prevents drowning or other problems that kids could get into.

It’s important to have homeowner’s insurance on your home in the event of any kind of grilling accident. Plus, if you install a gate around the pool, you can actually reduce your homeowner’s policy because it is considered a safety feature on your home. Having a BBQ at your home is a great way to spend the summer, but taking some extra precautions can make all of the difference in the world.

For more information about homeowner’s insurance in Texas, please contact The Schwab Agency.

Most of Colleyville, Texas is situated within the 100 year flood zone. What this means to homeowners is that each year you have a 1/100 of chance of being flooded. It does not mean that every 100 years your area will be flooded. The key is that every year you could be flooded. Summer flash floods can cause just as much risk to sewage backup as winter storms.

If you live in a flood zone, then certainly you need sewage back up protection. Sewer systems are heavily impacted by flood waters. The water levels rise and cause sewer to back up through the pipes and into your house or onto your property. Communities like Fort Worth and Dallas have to deal with the same issue. Severe weather will always increase the chances of flooding, and sewer backup.

The best course of action for homeowners who wish to be smart is to review your homeowners insurance and make sure that it covers sewage backup. The Schwab Agency provides insurance services to Colleyville, Texas and all of the surrounding communities, such as Fort Worth and Dallas. If you have questions about sewage backup insurance, or if you would like information on quality homeowners insurance, then please contact The Schwab Agency. Their agents are professional and are happy to provide answers to your insurance questions.