Can’t Stop Texting and Driving? There’s an App for That

Texting and driving is one of fastest growing dangers to all of us. In recent years, more and more people have begun using smart phones for texting and phone apps on a daily basis. Many states have enacted laws to help curb this practice, but in some places it is up to the driver to refrain from this type of distracted driving.

However, there is an app for that. No, really! AT&T has introduced a new app called DriveMode. This app is completely free. Essentially what it does is when your phone senses that the car is going over 25 miles an hour, it automatically sends a reply to incoming texts letting the sender know that the recipient is driving and will get back to them at a later time. Additionally, all calls are immediately sent to voice mail. When the phone senses that it is not moving more than 25 miles an hour anymore it will allow the recipient to receive the texts and reply to them. While this may not be a perfect solution, it is one way to help reduce the temptation to text and drive.

As you can see, texting and driving is a major safety concern for all drivers. For more information regarding safe driving tips, or for answers to your insurance questions in or around the Murrieta, CA area, please contact Stromsoe Insurance Agency.

Workplace Safety Tips

Keeping your employees safe at work is the responsibility of every employer. Although you might not be able to control every situation and possibility, you can take measures to reduce the risks and prepare for the potential dangers before any problems can occur.

Workplace safety tips start with identifying the possible dangers that your employees might face. For example, in a construction site your workers might face falls, injuries with heavy equipment or dropped objects. The best way to prepare for the possibilities is taking a moment to imagine the dangers that might occur with different equipment, items or tasks your employees must accomplish.

Getting appropriate workers compensations insurance will also add a layer of protection. The insurance will pay for medical expenses or other necessities if one of your employees is injured on the job.

The final part of making your workplace environment safe is taking the appropriate training measures and responsibilities to keep your employees as safe as possible. Give your employees proper training and make sure any risks are hedged with appropriate safety measures.

It is hard to recognize every possible problem that can arise, but it is also important. To learn more about the safety measures you can take in Fallbrook, contact Stromsoe Insurance Agency.

About to be an Empty Nester? How your Insurance Plays a Role

When you have a teen going to college, it is a time to celebrate and reevaluate your current insurance policy. Even though your child is now an adult and is ready to move forward, you want to ensure that he or she is covered under some form of insurance before taking off for classes.

Health Coverage

As a parent with a child in college, you can maintain that teenager on your health policy. In some cases, you may need to discuss the details with your health insurance provider because you might need an alternative if your child is studying out of the state.

Auto Coverage

Do not drop your child from your auto policy. Even if your teen is not taking a car, he or she may decide to drive on holiday breaks or might end up playing the role of a designated driver during college activities.

Home Coverage

Your child’s room will still have personal belongings. Keeping your child covered on your policy can also help replace any items that are stolen from a dorm in some situations.

Even though your teenager is going to college, you will still worry and want to keep him or her on your policy until after graduation. To learn more about insurance options for college students, contact Stromsoe Insurance Agency.

BBQ Season is Coming Up, Are You Staying Safe

Now that the days are growing longer and rain is subsiding many of us will return to a favorite summer activity – outdoor cooking. Whether you fuel your grill with gas or charcoal or even electric it is important to remember the following BBQ safety tips.

Always follow the grill manufacturers instructions for BBQ safety.

Make sure your grill is not close to a combustible wall.

Set the BBQ up in a place that is open and free from blowing leaves and other debris.

Set the BBQ grill up so that it is level and away from hanging branches, deck walls or rails, siding or any other material that can catch fire.

Always have a fire extinguisher in reach just in case a flash fire from grease gets out of control. A bucket of sand is a good alternative to a fire extinguisher.

Use long handled barbeque tools with wooden handles for cooking tools.

Never wear loose fitting of flowing clothing when around a BBQ, it could blow into the grill area and catch on fire.

Children should never be unsupervised around a grill that is in use or still hot.

Follow these easy safety tips and have a wonderful BBQ season!

For more safety tips from the Stromsoe Insurance Agency click here.

How much homeowners insurance do I need?

Your home is the most valuable asset that you own. When it is damaged you will need an insurance policy in order to repair the cost of fixing the home. Here are some things to think about when determining how much homeowners insurance you will need in order to fix your home in the event of a total loss.

What to Consider When Calculating How Much Insurance You Need for Your Home

  • You will need to accurately figure the rebuild cost of your home. Know the year of build, square footage, type of home and what materials make up the home.
  • Ask for a replacement cost type policy for your belongings. This means the value will not depreciate when it comes time to cover the loss.
  • Acquire inflation guard for your home policy. Your policy will automatically adjust the rebuild cost based on current inflation rates.
  • Endorse water backup coverage onto your policy to protect against water backing up through the drains of the home.
  • Have enough liability to cover costly lawsuits.

For more information, in the Murrieta, CA area, about how much coverage you need to protect your home, please call Stromsoe Insurance Agency. We can help get your questions answered and your policy ready to protect your home. Our agents are ready to assist you in anyway that we can.