Pool Safety Tips for Your Children

Keep your kids safe as they play in the pool.

Now that summer is here, your children are probably excited to cool off in the pool. While playing in the pool is certainly summer fun, it’s important to remember that pools can hold serious risks if you are not careful. If you want to protect your kids this summer, make sure you keep these pool safety tips in mind.

  • Never Leave a Child Unattended

You should never leave children unsupervised while they are in or near the water. When your kids are at the pool, you should make sure to keep a keen eye on them. You should not read, play on your phone, or do any other activities that might distract you from your task. Even if there is a lifeguard present at the pool, parents should still stay alert. Lifeguards are responsible for the safety of the entire pool, so there is a chance that they might miss signs of your child struggling.

  • Keep Your Child Away from Drains

When your child is swimming, you should warn them to stay away drains and suction outlets. Additionally, you should never let your child enter a pool or spa with a loose, broken, or missing drain cover. This is because your child’s limbs, hair, jewelry, or bathing suit can get stuck in a drain opening and pull them beneath the surface of the water. If your child is using a spa, make sure you know where the emergency vacuum shut off is located.

  • Install Safety Barriers

If you have a pool in your own backyard, then it’s important that you install a protective barrier around the perimeter of your pool. Pool safety experts recommend installing a 4 to 5-foot safety fence around your pool to keep children and pets from entering the water without supervision. Additionally, your fence should feature a self-closing, self-latching gate to prevent kids and pets from sneaking inside the barrier without you noticing.

These are some of the pool safety tips you should try this summer.  Looking for another way to protect the things and people you care about the most?  Then make sure you have the proper personal insurance protections in place.  For assistance with your coverage needs, contact the experts at Stromsoe Insurance Agency in Murrieta, California.  We are ready to get you the coverage that you need today.

Why Estate Planning is Important for Everyone

Here’s why everyone, even you, needs to start thinking about estate planning.

Estate planning is the process of organizing your belongings and arranging how your assets will be handled after your death. While you might think otherwise, estate planning is important for everyone, no matter what stage of life you are at. Not convinced? Here’s why estate planning matters for you.

Everyone Has an Estate

When you hear the term “estate,” you’re probably envisioning a mansion set on multiple acres of land. However, in reality, the definition of an estate is much less luxurious. When it comes down to it, your estate is simply everything that you own. If you are just starting out, your estate might comprise little other than your personal possessions. However, as you advance in life, your estate might grow to include things like property, investments, and other assets. Because everyone has an estate, it’s important that you make plans dictating what will happen to your belongings and other assets after your death.

Peace of Mind for Your Loved Ones

Perhaps the most important reason to get involved with estate planning is that doing so now could ease the grief of your passing and give your loved ones some peace of mind. Undertaking this task will allow you to distribute your assets and care for your loved ones financially. Additionally, estate planning will ensure that precious belongings and family heirlooms stay with your loved ones even in the event of your sudden passing. Once you have made your will and other estate planning documents, make sure you review and update them regularly to reflect changes in your finances or family situation. Having an updated estate plan will save your loved ones from having to wade through a complicated and time-consuming legal process in the wake of your passing.

These are some of the reasons why everyone, even you, needs to get involved with estate planning.  Want another way to take care of your loved ones?  Then make sure you have the right life insurance protections in place.  To get the coverage that you need, contact the experts at Stromsoe Insurance Agency in Murrieta, California.

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Handling an Accident with an Uninsured Driver

Here are some of the things you need to remember when dealing with an accident with an uninsured driver.

It’s no secret that dealing with an accident is a hassle; and finding out that the other driver doesn’t have insurance only makes things worse. If you ever find yourself in this situation, there are certain steps that you need to take. Here’s what you should do to effectively handle a car accident with an uninsured driver.

Call the Police

You should contact the police anytime you get into an auto accident. However, it is especially important to do so when the accident involves an uninsured driver. Having the police at the scene of the accident has several benefits. To start, calling the police will ensure your personal safety. When the police are present, you can prevent the uninsured driver from fleeing the scene or acting aggressively towards you. Additionally, when the police document the accident, they will do so accurately, ensuring that the other driver doesn’t lie, provide false information, or change their story later on.

Do Not Accept Money

Sometimes, an uninsured driver might offer you money to stop you from calling the police or reporting the accident to your insurance company. However, you should never accept this bribe. Accepting this money would constitute insurance fraud and, if your insurer found out, they would have rights to revoke your policy. Additionally, you might be short-changing yourself by accepting this money. There’s no guarantee that the money they offer you will be enough to cover your car’s repairs, so you might be forced to cover the rest of this expense yourself. Rather than jumping through these hoops it’s more ethical and cost-effective to address the accident with the appropriate legal channels.

These are two of the most important things you need to remember when handling an accident with an uninsured driver.  Remember, the best way to protect yourself from an accident with an uninsured motorist is by having the proper auto insurance coverages in place.  For assistance with your car insurance, contact the experts at Stromsoe Insurance Agency in Murrieta, California.  We are ready to get you the coverage that you need today.

Reduce Your Home’s Wildfire Risk

Take these precautions to reduce your home’s risk for wildfire.

If you live in an area prone to wildfire, then you know just how damaging these disasters can be. You probably also know that summer is considered wildfire season. Luckily, there are steps that you can take to reduce your home’s risk for wildfire damage this summer. Here are some of the precautions you should take this wildfire season.

Fireproof Your Roof

Embers from a wildfire can actually travel miles away from a fire. If your home’s roof is made of wood and one of these live embers comes into contact with it, your whole home can go up in flames. This is why it’s so important to fireproof your roof. The best way to do this is by replacing your roof’s wooden shingles with shingles made of asphalt, metal, tile, or other non-flammable materials.

Create Defensible Space

Defensible space refers to a buffer zone that separates your home from flammable landscaping and woodland areas. Creating defensible space around your home can help prevent a fire from spreading from your property to the actual structure of your home. To create defensible space, you should remove all flammable items (plants, dry brush, wood piles, etc.) within a 30-foot radius around your home.

Keep Embers Out

Your home is filled with flammable items from carpeting to wooden furniture to paper products of all kinds. If a live ember were to make it inside your home, your house could be ablaze in minutes. If there is a wildfire in the vicinity, it’s important that you seal up your home. Secure your home’s windows and doors, lock your doggy doors, and cover all external vents with a piece of 1/8-inch thick hardware cloth.

These are some of the precautions you should take to reduce your home’s risk for wildfire this summer.  Want another way to take care of your home this season?  Then make sure you have the right homeowners insurance protections in place.  For assistance with your coverage needs, contact the experts at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to get you the coverage that you need today.