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  • Avoiding Common Holiday Mishaps
    are cut short by a trip to the hospital thanks to one of these holiday hazards Decorate With Care Use caution when stringing lights and hanging ornaments Always position ladders on level ground stay centered between the rails and never overreach or step on the top two rungs Know the Warning Signs Learn how to recognize the warning signs of heart attack Holiday heart attacks are often triggered by the increase in stress excessive eating or skipping medication Beware of Plastic Packaging Never open plastic packaging with scissors or sharp knives one slip of the hand lands you in the emergency room Instead use a good old fashioned can opener to cut along the edge Protect Against Slip and Fall Keep hallways and pathways in and around your home clear of Christmas clutter especially if you are hosting elderly family members Designate a Driver Don t become another holiday accident statistic Always designate a driver or take a cab to and from holiday events if you know you will be partaking in festive cheer Watch for Tippy Trees Always secure your tree in a sturdy stand and position it away from traffic Keep a close eye on young children and

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/Avoiding%20Common%20Holiday%20Mishaps/ (2016-04-29)
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  • The Lowdown on Rental Car Insurance
    depends Many people aren t aware that their personal auto policy may extend to their rental car making the daily insurance offered by the rental car company a waste of money Sometimes this coverage is limited to personal use if you re traveling for business you should confirm that your rental car will be covered by your existing policy Here are three alternatives to expensive rental car insurance Comprehensive Coverage Use your personal car insurance policy If you have a comprehensive policy for your personal car it is possible your coverage will extend to the rental car Confirm your coverage before your next rental Rental Car Coverage If you don t own a car or frequently rent cars for business personal coverage may not extend to business travel look at your policy It may make sense for you to add rental car insurance as a separate policy or as an add on to your existing auto coverage All policies are different so confirm your coverage and limitations Credit Card Coverage Take advantage of built in car rental insurance on your credit card It s important to note that you are covered only if you pay for the entire car rental

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/The%20Lowdown%20on%20Rental%20Car%20Insurance/ (2016-04-29)
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  • Driver's Education Can Pay Off
    to save on your auto insurance Consider taking a driving course New drivers can often save on insurance costs by completing a driver s education course Additionally more experienced drivers who take an accredited defensive driving class can often reduce the points on their driving records and get an insurance discount A safer driver means fewer claims which is why these discounts may be available Confirm that you will get a discount before registering for a driving class your driving record how recently you ve taken a driving course and other factors can influence your eligibility Wondering what driving behaviors make you a better driver Here are a few examples Avoiding High Risk Situations Learning to identify and avoid potential accident situations even if that means yielding to the other driver Obeying Traffic Laws Adhering to the rules of the road and avoiding aggressive or dangerous driving behaviors like weaving in and out of traffic or drinking and driving Adjusting to Road Conditions Taking necessary precautions during bouts of bad weather when roads become treacherous Following the Posted Speed Limit Maintaining a consistent predictable speed to avoid surprising other drivers and of course avoiding moving violations Staying Focused on the

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/Driver%27s%20Education%20Can%20Pay%20Off/ (2016-04-29)
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  • Ride Sharing and Auto Insurance
    a few things you should knowbefore signing on to be a driver for a ridesharing service These companies differ from traditional taxi services in that passengers do not hail a cab but rather contact an independent driver using an app that they download to their smartphone Drivers for ridesharing services use their own vehicles and are required to have proper auto insurance Ridesharing companies often provide some supplemental insurance coverage but as the services are relatively new the corporate policies and procedures are still changing and evolving as are the laws that govern them in different states What You Need to Know Before Becoming a Driver for Hire Policy Exclusions Confirm that your personal insurance is adequate Often driving for hire is excluded from standard personal versus commercial automobile policies Exact Coverage Amounts Review your coverage limits to determine if your coverage is adequate for the potential liability you are taking on by driving for these services Supplemental Coverage Find out what supplemental insurance is available from the ridesharing company Because their policies are constantly changing it s a good idea to review them on a regular basis to avoid any insurance gaps Licensing Requirements Determine if your state requires

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/Ride%20Sharing%20and%20Auto%20Insurance/ (2016-04-29)
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  • What You Need to Know About Attractive Nuisance Liability
    both attractive and dangerous to curious children can be considered an attractive nuisance making you potentially liable in the event that these objects cause an accident Common attractive nuisances include farm equipment unguarded swimming pools open pits or holes abandoned appliances old vehicles manmade features and trampolines The logic is that even if a child trespassed on your property you might still be liable if you failed to take necessary steps to prevent the accident Here are some ways to minimize your liability Prevent Access Install secure high fences and locked gates to prevent easy access to the nuisance Safeguard Discarded Dangers Remove doors and lids from old household appliances that pose a suffocation hazard Lock Parked Vehicles Always keep the doors hatches and trunks of parked cars locked with windows sunroofs and convertible tops closed Protect Work Sites Enclose work sites in safety fencing to keep curious children out and away from tools and building hazards Enclose Open Hazards Pay particular attention to drainage ditches excavation trenches wells cisterns holding tanks and open pits where children may fall and become trapped Minimize Attractiveness Hide the nuisance behind fences or hedges This is especially important if your home is located

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/What%20You%20Need%20to%20Know%20About%20Attractive%20Nuisance%20Liability/ (2016-04-29)
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  • Winter Home Maintenance Tasks
    are best left to experienced professionals Before the winter weather rolls in take the time to prepare your home and protect your investment Prepare Your Heating System Schedule a professional checkup and cleaning of your home s heating system before you need to turn it on While you re at it switch the direction of ceiling fans throughout your house to rotate clockwise Look for Leaks Check all doors windows attic hatches external vents and electrical outlets for air leaks and add caulk weather stripping and insulation to prevent warm air from escaping Don t forget to inspect the roof and replace any loose or damaged shingles Check Fire Safety Equipment Test and or change the batteries in all smoke and carbon monoxide detectors Also inspect fire extinguishers to ensure they re in good working order Prepare Plumbing Turn off and drain outdoor hoses sprinklers and irrigation systems and consider picking up faucet covers for outdoor spigots Protect exposed pipes and plumbing in uninsulated areas with pipe insulation to help deter freezes Tackle Yardwork Clear fallen debris from the roof and rain gutters Now s also the time to trim branches and remove any dead trees or shrubs Update Safety

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/Winter%20Home%20Maintenance%20Tasks/ (2016-04-29)
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  • Choice One Insurance - Content Pages - Featured
    Center Mortgage Calculators Home Purchase Assistant Home Refinance Advisor Today s Mortgage Rates Insurance Website Home Featured To find out which loans work best for you read through these diverse loan options and choose the one that fits your needs and preferences Listing 1 10 of 17 Previous 1 2 Next of 2 Pages Choose Category Featured Extra Pages Newsletter Articles Tip of the Day Birthday Spotlights Seguros De Carro Seguros De Carro Seguros Para Carro 6 Ways Women Can Save on Car Insurance 6 Ways Women Can Save on Car Insurance Save Money On Car Insurance When To Review Your Insurance Policy Review Of Your Insurance Policy Review Of Your Auto Insurance Policy Review Of Your Homeowners Policy Insurance On A Shortage Unit Shortage Units Shortage Unit Insured Insurance on Shortage Unit Avoiding Common Holiday Mishaps Holiday Accidents Holiday Dangers The Lowdown on Rental Car Insurance Auto Rental Insurance Car Rental Insurance Driver s Education Can Pay Off Driving Course Driver s Ed Ride Sharing and Auto Insurance Auto Insurance and Ride Sharing What You Need to Know About Attractive Nuisance Liability Winter Home Maintenance Tasks Winter Home Maintenance Tasks Quick Quote Please turn on Javascript to view this

    Original URL path: http://www.choiceoneinsurance.net/contentPages/Featured/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Featured
    Today s Mortgage Rates Insurance Website Home Featured To find out which loans work best for you read through these diverse loan options and choose the one that fits your needs and preferences Listing 11 17 of 17 Previous 1 2 Next of 2 Pages Choose Category Featured Extra Pages Newsletter Articles Tip of the Day Birthday Spotlights Defensive Driving Tips 8 Events Things 8 Events Things That Aren t Covered By Homeowners Insurance Seven Surprising Factors That Could Affect Your Car Insurance Rates Seven Surprising Factors That Could Affect Your Car Insurance Rates BofA pushes short sales not foreclosures Bank of America 20 000 short sale incentive to struggling homeowners Five Steps to Take After an Accident If you re ever in an accident it s easy to forget what to do right away Follow these five steps to ensure the safety of you your passengers and everyone else involved Shedding Light On Car Insurance Savings It can be easier than you think to put the brakes on high auto insurance rates as an independent agency ChoiceOne Insurance can help We can review your policy and possibly help you find a variety of illuminating ways to save money Insurance

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Featured/?pageNo=2 (2016-04-29)
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