Preparing Your Home Before Your Vacation—a Checklist

There’s still time to sneak in a summer vacation before the kids go back to school. Before you go, there are a few things you should do to protect your home while you’re gone, and ease your reentry when you return.

Photo by Glenn Carstens-Peters on Unsplash

Photo by Glenn Carstens-Peters on Unsplash

 

Make it hard for burglars to get in

  • Collect any spare keys you have hidden outside.
  • Install a motion-sensitive exterior light.
  • Park your car inside your garage. If you can’t, be sure to remove any valuables and the garage door opener from your vehicle.
  • Make sure all doors and windows are locked, including pet doors. Don’t forget the door between the garage and the house.
  • Disconnect the garage door opener receiver, or manually lock the door.

Safeguard your home

  • Florida experiences a lot of storms and lightning strikes, so unplug electronics, WiFi routers, printers, and computers to keep them safe from power surges. (This will also save you on your electric bill, because some electronics keep drawing power even when they’re turned off.)
  • Turn off the water main.
  • Turn off your water heater (if you’ve turned off the water main), or turn the temperature down.
  • Raise the temperature on the thermostat instead of turning off your air conditioning to protect your home and belongings from Florida’s high heat and humidity.
  • Avoid any unpleasantly smelly surprises by throwing away any food that might go bad before you return, and make sure you take out the kitchen trash before you go.

Don’t advertise the fact that you’re not home

  • Stop newspaper delivery and put a hold on your mail.
  • Wait to post your travel plans and experiences on social media until you return from your trip.
  • Don’t leave an outgoing voice message on your answering machine saying you’re out of town.
  • Help your home look lived-in by connecting interiors lights to a timer, and set them to come on at different times.
  • Hire someone or ask a friend or trusted neighbor to take care of your yard—mow the grass, water if necessary, and generally keep an eye on things. A big tree limb down in your driveway for several days is a major clue that no one’s home!
  • Consider hiring a house sitter to watch over everything while you’re gone, especially if you have pets. There’s something about knowing there is someone at home, and your pets will really appreciate being able to stay in their own environment.
  • If you don’t want or need a house sitter, leave emergency contact information with a neighbor.
  • Let your home security company know you’ll be out of town, and give them the names and contact information of your house sitter or a neighbor who has agreed to keep an eye on your house.
  • Ask a neighbor to park in your driveway a couple of times so your home doesn’t look deserted.

Enjoy your vacation, safe in knowing your homeowners insurance is on the job protecting your assets, and that you’ve done all you can to keep your home safe while you’re away.   And please give us a call at 813-672-4200 if you have any questions about your homeowners insurance, or you need a free, no-obligation quote.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

How Your Homeowners Insurance Keeps Working, Even When You’re on Vacation

holiday-2418657_1280While you’re making plans for a summer vacation, packing up the kids, and making arrangements for the dog, the last thing on your mind might be your homeowners insurance. You can rest assured that even though you’re on vacation, your homeowners insurance is still working for you back home. Here’s how:

It protects your personal belongings. Under Coverage C, your homeowners policy protects your personal belongings up to the policy’s limits (usually 50-70% of the insured value of your dwelling), less your deductible. If the contents of your home were to be damaged or stolen while you’re gone, you’d be covered—but did you know the personal property you bring with you on vacation is also covered? That means things like your luggage, your laptop, your golf clubs—if these items were lost or stolen while you’re on vacation, they would also be covered, again less your deductible. Note: some companies reduce off-premises coverage to a percentage of the total coverage for personal possessions, so you may want to check with your L & M Insurance Group agent if you have concerns about this.

It protects your liability. Even if you’re not home, if someone is injured on your property, the liability protection in your homeowners policy will cover you. Let’s say a friend is acting as house sitter for you while you’re away, and he or she falls and is injured. Your liability would cover this.

Or maybe you have a pool in your back yard, and some neighborhood kids decide to use it while you’re gone. Even if you’re not there and haven’t given them permission to use your pool, you could still be liable for any injuries.

(If you have someone staying in your home, or if you have a pool or a trampoline, you may need the additional liability protection of an umbrella policy.)

Your homeowners liability also covers you if you if you unintentionally hurt someone while you’re on vacation (for example, if you slice a golf ball into a fellow golfer!).

And, of course, it protects your home itself. Break-ins, vandalism, storm damage, fire—all the usual covered perils will continue to be covered while you are away.

(One thing to be aware of: standard homeowners policies do not cover floods. Since Florida is essentially one big flood zone, talk to your L & M Insurance Group agent about buying a flood policy—they’re more affordable than ever.)

It’s good to know your homeowners insurance is still working for you, even while you’re on vacation. Policy limits, exclusions, and deductibles still apply, so you should consult with your L & M Insurance Group agent to make sure you’re carrying the appropriate coverages and limits to protect your assets. Please contact us if you’d like a homeowners insurance quote, or if you have questions about what your policy covers.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Five Things to Do Now to Prepare for Hurricane Season

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The start of the 2017 hurricane season is just 10 days away. Are you ready? If you’ve lived in Florida for any length of time, you know how much havoc a storm can cause. Better to spend an hour or two now to save a lot of stress and worry when a storm is bearing down on you.

Here are five things to do NOW to prepare before a hurricane blows your way:

  • Inspect your home and yard. Now is the time to make any necessary repairs to your roof (if you replace your roof, be sure to get a wind mitigation report—it could save you money on your homeowners insurance), cut down dead tree limbs, or buy any necessary storm shutters, plywood, or braces for your garage door. Also make note of any lawn furniture, children’s play equipment, or potted plants that might need to be moved so a hurricane’s high winds don’t turn them into flying hazards.
  • Check evacuation and flood zones (they aren’t the same). If you live in an evacuation zone, familiarize yourself with the route, and make plans now for where you’ll go. If you don’t have to evacuate, consider offering friends or family who must evacuate a place to stay. Tip: Keep your vehicles gassed up during hurricane season, just in case you need to get out of town quickly.
  • Create or update your Disaster Supply Kit. Make sure you have plenty of medicines, food, water, batteries, pet supplies, and other crucial items on hand. Include a portable NOAA radio, and if you have a landline, a corded phone (portable cordless phones won’t work if there’s a power outage). Click here for a full description of what your Disaster Supply Kit should contain.
  • Collect copies of important documents, such as driver’s licenses, and insurance policies, and make sure you have your insurance agent’s contact information.   Take pictures of your home and belongings if you haven’t already done a full home inventory, and store those pictures someplace that won’t be affected by the storm, either online or with a friend or family member outside of Florida.
  • Review your insurance policies. What is your hurricane deductible? Do you have flood insurance? Standard homeowners policies do not come with flood coverage, but flood insurance is more affordable than ever, so you might want to look into buying it.

Don’t let a hurricane catch you unprepared. Take time now to prepare your home and your family for any coming storms. And remember, L & M Insurance Group is here to help you. Please contact us if you have any questions about hurricane or flood coverage.

For more information, please visit:

Hillsborough County Emergency Management

https://www.ready.gov/hurricanes

 

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Improving Your Home? Don’t Forget to Upgrade Your Insurance

electrician-1206468_1280Spring weather has many of us thinking about home and landscape improvements. It’s a perfect time of year to spruce up our surroundings, and prepare for the coming heat, humidity, and summer storms.

 

If you’re planning renovations or landscaping projects this spring, consider what effect these projects might have on your homeowners insurance and liability. Some projects can make your home safer (thus reducing the chance you’ll have to make a claim on your insurance), some projects will increase the value of your home (so your current homeowners policy might not be adequate), and some projects might even save you money on your insurance.

 

Here are five common home improvement projects and how they can affect your insurance coverage:

 

Tree trimming

Trimming trees not only improves their health and appearance, it can also make your home and yard safer. Proper trimming ensures that dead limbs can’t fall on your car, or be blown into your yard by high winds. You can also protect your roof and pool enclosure by having overhanging limbs cut back. This reduces the likelihood that your home or car—or a guest’s car—will be damaged by falling tree limbs.

 

Planting trees or shrubs

Before planting anything with invasive roots, find out where your water, sewer or septic lines run. Most homeowners insurance policies don’t contain coverage for water or sewer back-up damage—damage that might be caused by roots that grow into your water, sewer, or septic lines. One way to find out where those lines are is to “call before you dig”.

 

Roof replacement

Even though it can be an expensive home improvement, having your roof replaced can offer you peace of mind, increase the value of your home, and save you money on your homeowners insurance. (See “A Wind Mitigation Report Can Lower Your Homeowners Insurance Premium” for more information.)

 

Adding a pool

Having a pool in Florida is almost a must—but it can leave you open to liability claims if someone is hurt while playing in or around your pool. You may want to consider adding an umbrella policy to boost your liability protection. Also, remember to increase the amount of your homeowners coverage to include the value of that new pool. And think twice about adding a slide or a diving board. Most homeowners policies exclude exposure to slides or diving boards. Some only provide $25,000 worth of coverage, and others won’t write your policy at all if you have a slide or diving board.

 

Significant kitchen or bath upgrades

Installing granite or marble countertops, custom cabinetry, or professional-grade appliances? You may want to upgrade your homeowners insurance coverage at the same time, to be sure you’d receive the increased value should you have to make a claim. If the remodeling is extensive, you may need to buy a builder’s risk policy.

 

It’s a great time of year to spruce up your home. Please call us with any questions you have about how your proposed home or landscaping projects might affect your insurance.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

When Words Can Get You Sued: Protect Yourself From Personal Injury Lawsuits

twitter-292994_1280A few hasty words can cost you—especially if those words are in writing. Many people, especially children and teenagers, don’t realize that posting something negative and potentially damaging about a person, business, or organization can leave them open to a personal injury lawsuit.

Think before you post

Until the advent of social media like Facebook, Twitter, and Instagram, the average person was unlikely to be sued for libel or slander. (Libel is a written defamatory statement; slander is a spoken one.) All that has changed due to the hyperconnectedness of modern life. Heated online exchanges, cyberbullying, and other forms of negative written expression can get you sued for personal injury.

You say you don’t engage in those types of interactions? What about your kids? Parents are being held liable in court for their children’s social media posts.

Situations that seem innocent enough can still leave you open to a lawsuit. Social media posts a child may consider teasing might be construed as bullying and result in a lawsuit. So can starting a rumor that hurts someone’s reputation, sharing false information, writing a letter to the editor critical of a specific teacher’s performance, and even posting a harsh comment on the message board of your homeowners association.

The personal injury endorsement

Standard homeowners policies do not cover non-bodily injury. One way to protect your assets if you are sued for personal injury is to buy an umbrella policy.  A second, less expensive option is to add a personal injury endorsement to your homeowners policy. If you have a lot of assets to protect, you may want to do both.

A personal injury endorsement will protect you and your family up to the limits of your policy if you’re sued for libel or slander. It also typically covers attorney and court costs incurred in defending yourself in a personal injury lawsuit, as well as situations such as false arrest, wrongful eviction or entry, and invasion or violation of privacy.

Of course, even if you have a personal injury endorsement, there is no coverage for intentional libelous or slanderous acts. You should still use common sense, and you should teach your kids appropriate online behavior. Understand, and help them to see, that words can be damaging, and they have consequences.

At L & M Insurance Group, we will be happy to help you review your insurance coverage, and assess your need for a personal injury endorsement. Please contact us if there’s any way we can serve your insurance needs.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Insuring the High Value Home: Are You Underinsured?

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We often talk about homes being our clients’ most valuable assets, and advise them to make sure their homeowners insurance is adequate to rebuild the home and fully replace the contents if the home were to be severely damaged or destroyed. For some clients who own higher value homes, this is even more crucial. A standard homeowners policy may not provide enough coverage.

Are you underinsured?

Here are some special areas of concern for owners of homes valued at $500,000 and up:

Replacement cost of structure. If your home is destroyed, what would it cost to rebuild it? High value homes often have costly custom features, and the replacement cost coverage should reflect that.

High value homes often have other structures on the property which are not attached to the home, such as guest homes, gazebos, outdoor kitchens, or boat docks. You’ll want to talk to your agent about coverage for these structures.

Contents coverage. Much of your investment in your home is not just the structure itself, but also in your furnishings, valuables, or special collections. Coverage for personal property is typically 50 percent of the value for which the home is insured. Conduct a home inventory to determine the value of your belongings, and discuss with your agent whether you should increase your contents coverage.

In addition, you’ll want to be sure expensive items or collections—such as furs, jewelry, art, firearms, Persian rugs, or vintage wines—are covered up to their true value. This is especially true of items that may appreciate in value. Most standard homeowners insurance policies cap value for items like this.

Liability. If you have an expensive home, you probably also have other assets you’ll want to protect. Homeowners insurance policy liability limits usually start around $100,000, but recommended coverage is higher—at least $300,000 to $500,000. If you want more coverage, it’s wise to buy an umbrella or excess liability policy. You’ll receive broader coverage as well as higher liability limits.

Higher coverage, higher cost?

If you’re concerned about the price of higher coverages, you can save money by going with a higher deductible ($2,500 all the way to $10,000 rather than $1,000, for example). Owners of high value homes can usually afford a higher deductible if they have a claim.

At L & M Insurance Group, we understand the needs of owners of high value homes. We are independent agents with multiple homeowners insurance companies to choose from, as well as the expertise to find you the most cost effective policy while still insuring your home and its contents for the proper value. Contact us today for your free, no-obligation quote.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Creating a Home Inventory

apple-1839873_1280Could you tell your insurance company every item you have in your home right now, and how much it’s worth? Probably not—and that could hurt you if your home is burglarized, severely damaged, or destroyed, and you have to make a claim on your homeowner’s insurance. A home inventory can make the process of settling a claim easier.

A home inventory is simply a record of your personal possessions. It’s valuable to have even if you never make a claim since knowing what your belongings are worth can help you purchase the right amount of insurance for your personal property in the first place.

Creating a home inventory may sound like a daunting task, but it doesn’t have to be. If doing the whole house at once feels overwhelming, do a little at a time, say a couple of rooms per week. (Just make sure to finish the project!) There are several different methods to compile your inventory. Choose the one you’ll find easiest—the one you’ll actually do. Who knows, your tech-savvy teenager might even enjoy helping you with this project.

Cameras, phones, or apps

Digital cameras and smartphones have made the task of creating a home inventory easier. It takes just a few minutes to take photos of an entire room. Print the photos and record important information about your items (make, model, price, etc.) on the back, or create a spreadsheet with your inventory information (click here for a free home inventory spreadsheet template). If you don’t want to print them, store your photos digitally in the cloud, burn them to a CD, or store them on a flash drive.

Another simple way to create your home inventory is to use your smartphone to shoot video of your belongings. When you shoot a video, you can also describe the items as you film them. Sometimes a video is all you need to prove you owned an item, but do check with your insurance company to see if you’ll need other documentation as well.

Using a free or paid mobile app is an increasingly popular way to create your home inventory. Most home inventory apps prompt you to list your rooms, the items in them, and other details. You can add photos as well as copies of receipts and other documents. Two free options include the Insurance Information Institute’s “Know Your Stuff” app, or the Encircle home inventory app (both have versions for Apple and Android).

Inventory tips

When taking photos, start with a wide-angle shot from the room’s entryway. Take photos or video of each wall, as well as the floor and the ceiling. These images record types of flooring, special moldings, ceiling fans and light fixtures.

Get close-up shots of any serial numbers or other identifying tags.

Take group shots of like items, such as books, shoes, or kitchen items (open a cabinet door to record your dishes, for example).

Make sure you get photos of everything in the room.

Describe items pictured: name brand, model, model number, color, special markings or features. Note what you paid for the item and document the receipt if you have it.

Remember to inventory items in your attic, garage, or storage shed.

If you buy a big-ticket item, save the receipt and add the item to your inventory right away.

Once you create your home inventory, be sure to review it now and then and keep it updated.

Make sure your home inventory is stored in a safe place that you can access when you need it. Keep the photos, CD, or flash drive in a safe place, such as with a trusted friend, in a safe deposit box, or in a disaster-proof box in your home. You can also use your email server as a backup if you email yourself a copy of your inventory.

It does take some effort to create a home inventory, but if you lose your belongings and you don’t have one, it may take quite a lot of time and hassle for your insurance company to reimburse you adequately. We hope you’ll never have to make use of your home inventory to make a claim, but if you do, your preparation should help your claim be paid more quickly and fairly.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Why You May Need a Vacant Dwelling or Builder’s Risk Policy

new-home-1664284_1280Empty buildings or buildings under construction or renovation present some unique concerns. An empty home or other building can be a magnet for vandalism, and if someone isn’t living there, a small leak could easily become a big flood. Empty buildings are just as likely to be affected by fire, wind, or lightning. Standard homeowner’s or commercial insurance policies may not cover you if the insured building is vacant. Certain remodeling projects, and residential and commercial construction jobs require specialized insurance policies. At L & M Insurance Group, we have the experience and knowledge to help you with your unique needs.

Here are two types of policies that might apply to your situation:

A vacant dwelling policy covers your home if it is left vacant for a certain length of time, usually at least 60 days.

A Builder’s Risk policy covers a building under construction. It can cover just the building itself, or also the materials at the job site for use in construction of the building. Coverage limits should be for the completed value of the structure, less the value of the land. The policy can be written for as short a term as one month all the way up to 6 months or a year. The policy can also be extended if construction is not finished in time, or be cancelled if the building is finished before the end of the policy term.

Let’s look at some scenarios in which you should have a vacant dwelling or builder’s risk policy:

Vacant dwelling

  • You’ve bought a home, but for some reason you can’t move in yet—you haven’t sold your old home, or, conversely, you’ve moved to your new home and need an insurance policy to cover your previous home until it sells.
  • You own a commercial building or rental property that currently has no tenant.

Builder’s risk

  • You bought a home as investment, intending to have renovations done before selling it, and it will remain vacant until you sell.
  • You’re building a home from the ground up.
  • You bought a bank-owned home you’re renovating before you move in.

Unlike many agencies, at L & M Insurance Group, we have a lot of experience working with property investors and others with complex real estate insurance needs. We understand and are familiar with the situations that require these types of policies. Please contact us so we can tailor the right policy for your unique builder’s risk or vacant dwelling needs.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Wrap Up 2016 With an End-of-Year Insurance Review

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Now that the holidays are winding down, you may be thinking about your goals and plans for 2017. If one of those plans is improving your financial condition, one way you can do this is to conduct a review of your current insurance coverage. Your goal is to have the right amount of coverage for your needs, at the best price.

First, look over your policies to remind yourself of your current coverage and deductibles, insurance premiums, and discounts. Then consider how your life has changed in the past year. Did you get married, divorced, or have a baby? Do any of your children now have driver’s licenses? All these changes should be reflected in your insurance portfolio. Here are a few additional specifics to consider:

Auto Insurance

Is it time to raise your deductible or drop comprehensive and collision coverage? Has your commute changed? Do you have additional drivers in your household who are not listed on your policy? Are you receiving all the discounts, such as safe driver or multi-car, that you’re eligible for?

Homeowners Insurance

If your home were destroyed, would your coverage be adequate to replace it at today’s construction costs? Do you have enough coverage for your personal possessions? You may need to increase your coverage limits if you’ve made improvements to your home, or bought or received as gifts expensive items such as computers, jewelry, or art.

If you’re thinking of raising your deductible as a way to save money on your premium, would you have the resources you need to pay that deductible if you have a claim?

You may be eligible for discounts on your homeowners insurance if your alarm system is monitored. You’ll need to provide a certificate from your monitoring company to receive the discount. If you’ve recently replaced your roof, ask your insurance agent how you can benefit from a wind mitigation report.

Flood Insurance

The entire state of Florida is at risk for flooding. Even if you don’t live in a so-called high-risk area, if you don’t have flood insurance, you might want to consider buying it. We represent several private companies that write flood insurance policies at a competitive rate.

Umbrella Policy

An umbrella policy is additional liability insurance, beyond your home and auto insurance, which protects your assets from a lawsuit. If your assets have increased, you will want to make sure you have enough coverage, or if you don’t currently carry an umbrella policy, you might want to consider purchasing one.

Life Insurance

If you’re the breadwinner, what would happen to your family if you die? A life insurance policy is one way to provide for them after you’re gone. In addition, although life insurance is mainly intended to replace lost income, consider buying life insurance for a non-working spouse or domestic partner. It can quickly become expensive to replace the work he or she does to keep your household running.

Because insurance is an important part of your financial life, it’s good to review your policies from time to time to be sure your coverage remains in line with your assets and liabilities. Remember, if you have any questions about your policies, L & M Insurance Group is here to help.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Escape the Flames: Creating a Home Fire Escape Plan

house-fire-3-1519596-1279x962Home fires are the single most common disaster in the United States, according to the American Red Cross. In fact, chances are 1 in 4 that a household will have a fire large enough to be reported to the fire department during the average person’s lifetime. In addition, it can take only a few minutes for a house to become engulfed in flames. You and your family need to know how to get out quickly—in two minutes or less, according to Red Cross recommendations.

One way to reduce the chances that someone in your home will be injured or killed in a fire is to create a home fire escape plan. Here are some tips to help you draw up a plan that works for you:

  • Start by sketching a map of your home (click here for a printable template from the Red Cross). Locate and mark at least two exits from every room, if possible.
  • For bedrooms higher than the ground floor, consider buying escape ladders and storing them near windows. Learn how to use them as part of your escape plan practice(see below).
  • If your home has security bars on windows, make sure at least one window in each room is equipped with a quick-release device.
  • Include your pets in your home escape plan, by training them to come when you call them, and plan to take them with you when you evacuate. However, do not endanger yourself or other family members trying to save a pet. Place a pet alert window cling with the number and type of family pets on a front window (and keep the information current). This can save time for rescuers searching for your pets. Pet alert decals and clings are inexpensive and readily available, or click here to order a free pet safety pack from the ASPCA that includes a pet alert decal.
  • Choose a safe location for all family members to meet after getting out of the house—a streetlamp, mail box, etc.
  • Teach children what smoke alarms sound like and what they should do if they hear one.
  • Practice waking up to smoke alarms, crawling on the floor to avoid smoke, and dialing 9-1-1.
  • Go over what to do if your main escape route is blocked by smoke or flames, or the doors or door handles are warm. Don’t open a door that is warm to the touch. Instead, leave through your second exit if you can. If there is no safe exit, place a wet towel under the door, open a window and signal for help by waving a flashlight or something brightly colored.
  • Remind everyone to stop, drop, and roll if their clothes catch fire.
  • Emphasize “Get out, stay out.” Don’t go back into a burning building to retrieve anything. Only professional firefighters should enter a burning building.
  • Discuss and explain your plan with all family members to make sure they understand what to do. Practice your escape plan at least twice a year, and practice at different times of day.

We hope you never have to experience a home fire. However, if you have a clear fire escape plan for all household members, and practice that plan, you’ll significantly reduce the chance that someone will be hurt or killed.

 

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.