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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.

Tips To Protect Yourself From Bug Bites

Lower your risk of bug bites with these tips!

Putting your health first is important. It’s important to eat healthy, drink plenty of water, exercise, and get enough sleep to keep your body functioning properly. However, sometimes you’re susceptible to diseases that can come from bugs. For example, Lyme disease comes from ticks and West Nile Virus is transmitted through mosquitos. Protect your health and take measures to protect yourself from creepy crawlers this summer. Check out these tips to help protect against bug bites.

Avoid Areas where the Bugs Live.

Ticks like to live in heavily wooded areas, and mosquitos typically live near water. If you can, steer clear of these areas to reduce your risk of getting bitten. Additionally, there are certain times of day when you’re more likely to be bitten. That’s not to say that mosquitos won’t bite at any other time of day. Avoid mosquitos and stay indoors in the evenings.

Wear the Right Clothing.

Long pants and long sleeves can provide you with added protection against pesky insects. If you’re heading out into the wilderness, also wear long socks. Tuck in your shirt and tuck your pant legs into your socks to avoid any openings that leave you vulnerable to bug bites.

Use Bug Spray.

Treat your clothing with insect repellant to help avoid getting bitten. Additionally, ensure that you use an effective bug spray when going outside. DEET, Picaridin, OLE, PMD, and IR3535 are all good sprays to keep bugs at bay. Just be careful when spraying your skin and always read the directions on the bottle.

Be Vigilant During an Outbreak.

In the event of an outbreak, avoid the area if possible. If it’s unavoidable, be wary of the signs and symptoms of the current outbreak. That way you can get the medical attention that you need to get better.

Keep bugs at bay so that you stay healthy. Be sure to invest in the right insurance, and contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Ease Your Seasonal Allergy Symptoms

Lower your risk for seasonal allergies with these tips!

Sneezing, congestion, itchy eyes. Allergy season has begun! Along with beautiful plants and flowers, spring brings lots of pollen. Fight off allergy season to alleviate your symptoms with these tips to reduce your seasonal allergies.

  • Keep your home clean. Frequent dusting and vacuuming can help you to manage the pollen in your home. The more you vacuum the less pollen that accumulates in your home.
  • Use the air conditioning. When it starts to warm up you may be tempted to open up all your windows to let in some fresh air, but you’re inviting in loads of pollen. Make sure to use the thermostat to control the temperature in your home.
  • Invest in an air filter. While there are all sorts of air filters on the market, be sure to get a HEPA air purifier to help reduce the amount of pollen in your home.
  • Change clothes when you come home. As you go about your day pollen sticks to your clothes, hair, and skin. Make sure to change clothes when you come home and be sure to shower before you get into bed. That way you reduce the amount of pollen brought into your home.
  • Invest in an air dehumidifier. Pollen can more easily stick to moist air. Invest in a dehumidifier to help keep your allergies in check.
  • Avoid spending time in the garden. While you may enjoy gardening, it will aggravate your allergies. Delegate garden chores to others or be sure to wear a pollen mask to keep symptoms in check.

Make sure to put your health first. Fight seasonal allergies so that you feel good all season long. Make sure that you have the right coverage, and contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Safely enjoy your holiday travels with these simple tips.

With the holiday season right around the corner, you may be planning your road trip to go visit your loved ones. No matter if you are headed across the country or simply down the road, knowing how to stay safe on the road will help to ensure an enjoyable season. Keep these holiday road travel safety tips in mind before you load up your car.

  • Get your car ready – take your car into your local mechanic to get it checked out, especially if any warning lights on your dash are on. Check your windshield wipers to ensure that they are working properly and fill up your washer fluid.
  • Charge your phone – a cell phone will most likely be the only way to call for help if you get stuck on the road. Start your trip with a fully charged phone and make sure that you have a car charger.
  • Slow down – keep in mind that the holidays are some of the busiest times on the road, which means it can be easy to get frustrated. Give yourself plenty of time to get to your destination to avoid road rage.
  • Designate a driver – if you will be enjoying any holiday cocktails, make sure that you have a sober designated driver to get home. If you will be driving a long distance, you may also want to designate drivers for various legs of the trip so that one person does not get too tired.
  • Avoid distractions – with all that is happening on holiday roads, distractions can be especially dangerous. Do not use your cell phone or get into any heated discussions while driving to help stay focused.

Before you hit the road, take a look at your auto insurance policy to ensure that you have the right amount of protection in case of any incident. Contact The Schwab Agency in Colleyville, Texas for all of your car insurance coverage needs to keep you and your family safe.

Halloween Safety Tips for Kids

Halloween night is one of the best nights of the year for children! They get to dress up as their favorite characters and load up on free candy! After all, who can blame them? However, during the night, important safety precautions can fall by the waist side in the midst of trick-or-treating.

The quickest way to ruin Halloween night is to spend the night in the E.R, so keep the trickery away but the treats flowing with these important safety tips:

  • Make sure costume accessories, such as swords and knives, and flexible and soft.
  • Choose costumes that are flame-resistant and keep children away from lit candles and luminaries.
  • Test make-up on a small patch of skin before applying it to the entire face.
  • Remind your little ones to look both ways before crossing the street.
  • Always use designated crosswalks when possible.
  • Provide adult supervision for the youngsters’ door-knocking.
  • Carry flashlights.
  • Stick reflective tape to your child’s treat bag and costume.
  • Never allow children to enter homes unless they are with a trusted adult.

With these tips, you and your children will be on the way to safe and happy Halloween night! Before this night, ensure that you have the necessary insurance to protect you and your family. Contact The Schwab Agency in Colleyville, Texas for all of your insurance needs.

Storage Unit Tips

Storage units are a great way to clear out some of the clutter in your house while still holding on to your assets. Storage units are available in almost any size and can help to keep your assets safe. Before deciding on which storage unit will work best for your needs, make sure to keep these tips in mind.

  • Security – security should be number one on your list of priorities when looking for a storage unit. Make sure that the entire property is securely fenced in and ask about the security measures that are in place. Take the time to get to know the neighborhood as well since a rough neighborhood could mean putting your belongings at risk.
  • Accessibility – you should be able to access your assets at any time of the day or night every day of the year. If you are storing a boat or trailer, or even heavy boxes, make sure to pick a unit that you can easily back your vehicle up to so that you can easily access your belongings.
  • Climate control – putting your belongings in a storage unit without climate control is no different than keeping it in your hot, stuffy garage. Ensuring that your belongings will stay safe in the proper climate can help to ensure that they stay in the same condition as when you put them in.
  • Reputation – read reviews for the storage unit online and ask other renter’s while you are checking out the property. If you hear more bad reviews than good ones, you may want to check out a different property.

Before moving your assets into a storage unit, make sure that they are properly protected with the right homeowners insurance policy. Standard home insurance policies will provide off-premise coverage for your belongings that you store at a different location, such as a storage unit. Contact The Schwab Agency in Colleyville, Texas for all of your homeowners insurance needs.

Humidity Tips To Keep In Mind

Summer in Texas means one thing – humidity. As the temperatures continue to rise, so does the humidity level, which can make the outside temperatures feel even higher than they actually are. Not only can humidity lead to frizzy hair, but it can also lead to many heat related illnesses. To ensure that you do not fall victim to any heat related illnesses this season, keep these tips in mind.

  • Drink more nonalcoholic beverages, no matter how active you are being. Do not wait until you are thirsty to drink. If your doctor has prescribed water pills, make sure to ask how much liquid you should be consuming during the hot weather.
  • Avoid liquids that have large amounts of sugar or alcohol since they can cause you to lose more body fluid. You should also try to avoid very cold drinks since they can cause stomach cramps.
  • If possible, stay inside in an air conditioned place. If you do not have air conditioning at your house, go to a public library or mall. Even if you only spend a couple hours in an air conditioned area it will help to keep your body temperatures lower when you go back into the heat.
  • Wear light weight, loose fitting, light colored clothes both inside and out. Light colored clothes will not absorb as much heat as dark clothing items.
  • Do not leave anyone or any pet in a parked vehicle. The temperatures inside a vehicle can be much hotter than the actual outside temperature.
  • Even though fans may provide some comfort, they cannot prevent any heat related illnesses when the temperatures reach the high 90s. Instead, take a cool shower or find an air conditioned building.

The Schwab Agency in Colleyville, Texas would like to encourage you to keep these tips in mind to stay healthy and happy this summer.

Life Insurance Medical Exams

When you invest in a life insurance policy, it is not uncommon for your insurance company to require a medical exam, since the healthier you are, the lower your insurance premiums will be. To make sure that you know what to expect during your exam, keep these tips in mind.

  • Information they will need – during your life insurance policy medical exam, your doctor will look at essentials, such as your blood pressure, height and weight, and an EKG. They may also require urine and blood samples, as well as your medical history. You will also have to answer various medical questions. The entire process does not take very long, and you may end up spending more time in the waiting room than in the actual office.
  • Make it go well – to get the best results from your exam, try to schedule it early in the morning. Get a good night’s sleep, and avoid any alcohol the day before. Try to skip your morning cup of coffee before you head to the doctor’s office, and drink plenty of water.
  • After your exam – when your medical exam is over, the information will be sent over to your life insurance company, typically within five business days. Then it will take another five business days to complete the underwriting process, which means that you may not hear back from your life insurance company for two weeks after your exam. If you have any questions about the entire process, make sure to contact your insurance agent.

When looking for the right life insurance policy, contact the insurance professionals at The Schwab Agency in Colleyville, TX. We will work with you to make sure that you have the coverage that you and your loved ones deserve, all at the right price to fit your budget.

Homeowners Insurance Basics

Your house is probably the biggest financial investment you have ever made, which is why it is important to protect it with the right homeowner’s insurance policy. Whether you are renewing your policy, or investing in a whole new policy, keep these tips in mind to make sure that you choose the right policy for your needs.

  • Know your numbers – knowing how much it would cost to completely rebuild your home after a complete loss will help you decide how much insurance you need to invest in. There are many online calculators that will help you determine the replacement cost of your home, or you can work with your insurance agent to come up with the right number.
  • Create a home inventory – take the time to create a detailed home inventory of all of your assets either with a video or a list. A home inventory will help you decide how much personal property coverage you will need with your home insurance policy.
  • Do not skip on liability coverage – the liability portion of your homeowners insurance policy will provide coverage in case of a lawsuit. If someone is injured while visiting your house, or your dog bites someone while you are out on a walk, you liability coverage will cover any costs if you are sued due to the accident.
  • Choose the right deductible – the deductible of your home insurance policy is the amount that you will have to pay out of pocket before your coverage kicks in. While a higher deductible can help to lower your premiums, it will also mean that you will have to shell out more cash before your insurance will cover any damages. Make sure to choose a deductible that you can afford.

For all of your homeowner’s insurance needs when renewing or buying home insurance, contact The Schwab Agency in Colleyville, Texas.

Insurance is a necessary expense to make sure that you and your family are protected in case of any unfortunate situation. Unfortunately, extreme weather conditions such as floods and tornadoes has caused many insurance premiums, such as your homeowners’ insurance policies to rise. While there is not a lot you can do to stop the overall rise, there are some steps that you can take to help soften the blow. Keep these tips in mind to help keep your wallet full while dealing with the weather effects on homeowner insurance rates.

  • Raise the deductible of your policy. Keep in mind that although this will lower your monthly payment, it will also mean that you will have to pay more out of your pocket when making a claim before your insurance coverage kicks in.
  • Shop around for the right price. While most insurance providers are raising their prices, some are not raising them as much. Working with an independent insurance agent will make this process much more simple. It is vital to know that your home is in insurer-friendly condition, such as not having missing shingles that could cause a leak or a cracked walkway that visitors could trip on. The better condition your home is in, the lower your premiums will be.
  • Contact the lawmakers. The only way to stop the insurance premium hikes is to pass insurance reforms that will bring accountability and transparency to the insurance market. Make sure to contact your state lawmakers to show that this is a serious issue that needs to be dealt with immediately.

For all of your homeowners’ insurance needs and to ensure that your home is protected from any peril, all at the right price contact The Schwab Agency in Colleyville, Texas.