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10 Ways to Maintain a Safe Home Between Seasons

by Anita on April 3, 2017

We want you to feel safe in your home! Freedom Insurance Group, Inc. cares about more than just your home insurance in Yardley, PA; we care about your safety and your budget. In order to prevent potential hazards, accidents, or other problems from taking you by surprise, try these helpful tips for maintaining a safe home between seasons.

 

Outdoor Inspections

  1. Gutters: Easy to clog and get backed up with debris over the fall, gutters should be cleaned out and repaired or replaced when necessary. Check how the water is flowing and draining to prevent water damage from eroding your siding or causing damage to the roof.
  1. Trees: The weight of snow often causes boughs to bend and eventually break. Fallen limbs might go unnoticed while you are less likely to spend time outdoors, so take a minute to pick up stray branches in the driveway or yard that are large enough to trip over or cause damage to cars and other vehicles. Make sure to trim healthy yard plants back from electric wires, cooling devices, air filters, and other machinery.
  1. Roof: Harsh winter weather can do a number on your roof. Make sure to inspect your roof before the excessive heat of summer sets in, which can open any cracks caused by ice from previous months. Don’t forget the roof of your garage, shed, or any other enclosed structure on your property!
  1. Landscaping Equipment: Often, landscaping tools go several months before being reused, and it is easy for them to erode or for parts to break while remaining unmaintained for too long. Avoid accidents by checking all equipment for missing or loose pieces, and rust (that could cause it to break unexpectedly).
  1. Windows and Doors: Important for internal and external safety, windows and doors are used heavily year round. It is imperative to check and make sure all locks are functioning and have at least two matching keys to go with them. Inspect the seals on your windows and doors routinely, so that you don’t acquire any costly drafts or unwanted pests.
  1. Heating and Cooling Systems: Both your heater and your air conditioner run nearly constantly during half of the year and sit dormant for the other half. Prolonged use as well as staying stagnant leads to natural degradation and a need for inspection. Right before Spring is the perfect time to hire a professional to tune up these systems and replace your furnace filter or other air filtration devices.

 

Indoor Inspections

  1. Electric: One of the most common causes of household fires is actually from faulty wiring! Without checking your electrical outlets and cords for potential fire hazards, you could be putting your home at risk, or even yourself.
  1. Fire Extinguishers: Make sure to look over your fire extinguisher before backyard barbeques have a chance to set dry grass ablaze. Check the nozzle, hose, and pressure gauge to ensure that your fire extinguisher is ready to operate and easily at hand.
  1. Smoke and Carbon Monoxide Detectors: It is easy for smoke detectors and carbon monoxide detectors to run out of battery and turn off without a homeowner noticing. Carbon monoxide is colorless and odorless, is lethal if inhaled for too long, and can come from machines present in your home. Be sure to replace the batteries for your detectors at regular intervals, because they could potentially save your life and that of your family.
  1. Vents: Clogged vents that help to circulate air can negatively influence physical health if they are not cleaned properly. The vent to your dryer can cause warm air to cycle back into the room and raise household temperatures; it can even become combustible if too much lint accumulates. Simply cleaning the vents that you can reach could prevent a more costly electric bill and avert a medical bill.

 

Here at Freedom Insurance Group, Inc., we want to help you stay safe throughout the year and avoid having to pay extensive bills unnecessarily. If you are a homeowner and looking for a package to also cover your car, combining our home insurance with  auto insurance in Yardley, PA could save you an additional 15%! Just like you want the best for your family, we want the best for ours. We promise to always provide the coverage that you and your family deserves, while always trying to save you as much money as we can.

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Anita10 Ways to Maintain a Safe Home Between Seasons

2 Ways to Save on Your Car Insurance with Lifestyle Discounts

by Anita on February 23, 2017

Paying your car insurance bill each month is definitely a drag, but not for those who keep the coverage, but cut the premium! With Freedom Insurance Group, offering auto and home insurance in Philadelphia, you won’t have to look anywhere else. We will take your budget and work with you to find the best coverage you can get. We understand that the last thing you want to pay for is your car insurance bill (or any bill for that matter), that is why we want to open your mind to two ways you can start saving!

 

 

  1. Good Student Discount

If you or your child is under the age of 22, you are eligible for a discount of up to 20% just for getting good grades. Use this as motivation to study harder and grind those gears! It will save you money you can use on nights out with friends, travel, and, of course, coffee. All of those A’s you have worked so hard for will literally pay off with the Good Student Discount. Students will need a B average to qualify for this benefit.

 

  1. Defensive Driving Courses for Senior Citizens

As people age, it is important to adjust accordingly to weaker vision and slower reflexes as well as acquire the skills of up-to-date driving techniques. By offering a defensive driving course to improve the ability of seniors behind the wheel, insurance companies are able to offer discounts on their car insurance. Because senior citizens have a high risk of collision, it is very important to be covered by the right insurance while saving where you can. Consider taking Defensive Driving Courses to lower your monthly payment and still receive the same coverage to protect you.

 

Car insurance in Bensalem, PA and surrounding areas, can be lowered with these lifestyle discounts. Please consider saving on your bill by letting us at Freedom Insurance Group take you under our wing. All of our clients are treated like family; we are all in this together. We want to help you save as much money as we can while ensuring that you get the coverage you and your family deserves.

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Anita2 Ways to Save on Your Car Insurance with Lifestyle Discounts

5 Key Ways to Save in the New Year

by Anita on January 26, 2017

Since 2017 hit, everyone has been looking for ways to save this year. 2016 wasn’t so kind, and with bill after bill, it can be overwhelming.  Instead of worrying about tomorrow, it’s important to think about today. What can you do?  

We at Freedom Insurance Group have put our heads together to come up with ideas for you to think about so you can save money this year. It’ll be a hard, long road, but the extra money will add up over time, eventually saving you quite a lot. Ride it out with us, and see where it takes you.   

  1. Switch up your grocery habits
    First, you have to ask yourself, “What are my grocery habits?” This bill varies significantly from household to household, and it can be anywhere from $70-$1,500 a month for just two adults. If you have a larger family, you could be spending even more than that. By changing things up a little bit, shopping around, using coupons or making a few sacrifices, you could lower your monthly costs by a lot. Ice cream isn’t always necessary (but most of the time it is).
     
  2. Never pay the full price
    Coupons are the answer — that is, if you really need what you have in your cart. Always make sure you are buying something you actually need, and not just because it’s on sale. Search online for coupons, check your mail, ask at stores, and talk to your friends for advice. That way, you are never paying for items you need at full price. 
  3. Reduce your energy costs
    There are many things you can do in your home to reduce your monthly bills. Get a programmable thermostat. Check the caulking on your windows and doors. Replace all the lightbulbs in your home with energy efficient LED bulbs. Turn the temperature of your water heater down. By changing your day-to-day, you can lower the costs of heating, water and electricity bills.
  4. Review your insurance to see if you can save money
    Reach out to us at Freedom Insurance Group. We not only want you to be able to save money on your bills, but we also want to help you save on insurance — any kind of insurance. We can take care of your homeowners insurance, life insurance, car insurance and much more. We will not only find you the best prices, but we will work with you and your personalized budget to get you just want you need.
  5. Are you eligible for life-changing discounts?
    If you have married recently, or bought a new home or car, we are here to cut you some slack. Give us a call today to see if you are eligible.

Our customers are family to us, and that includes you. If you have a little extra money in your pocket, to us, that’s a job well done. Just think what you could do with those savings! You could go out into the world and enjoy yourself or spend some quality time together with your family. Please contact Freedom Insurance Group today and start saving.  

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Anita5 Key Ways to Save in the New Year

4 Sensible Shopping Safety Tips for the Holiday Season

by Anita on December 20, 2016

It is that crazy time of year, when getting behind the wheel of a car or approaching the grocery store seems like a feat in and of itself. Danger lurks in the mundane things that many wouldn’t even consider a problem normally. Why is that? The holiday crowds. Everyone is out and about during the holiday season shopping for extra food supplies, gifts, and the like. Their schedules are busy and stop lights aren’t in their best interests. It is a dangerous time, and we at Freedom Insurance Group want to make sure that you are safe. To us, our clients are like extended family, and we don’t want anything bad to happen, especially during the holidays.

In order to stay safe while shopping, it is best to keep a few things in mind.

Even though you are rushed, stay alert.

If you are stuck in your head, going over lists, or too involved in what you are doing, you will lose track of your surroundings. This goes for both when you are on foot as well as when you are in your car! If you’re thinking about a million things, you could easily run into something or get yourself into a situation. We want to remind you to keep your head up!  

Do not overload yourself with purchases.  

Carrying multiple items can crowd you, make you off balance, and act as a large distraction from your surroundings. If you’re doing a lot of shopping, consider stopping off at your car, unloading, and hiding your purchases in the trunk. This will reduce the strain on you and keep you on your toes.   

Avoid wearing expensive jewelry, protect your purse or wallet, and beware of approaching strangers.

You know what this means. It is a bad idea to ever leave your valuables unattended in a crowd, and even worse not to check them. Keep good attendance of your belongings; this time of year is notorious for con-artists who can distract you with the intention of taking your valuables. Do not let that happen by keeping an awareness about you.   

Shop with friends or family.

There is always safety in numbers, especially when all who are present remain vigilant and look out for one another.

This year, let’s keep safety in mind; Freedom Insurance Group wants you to have a successful shopping experience while also being able to enjoy yourself. We know all about the bustle the holidays bring, but with stress levels high, you are more susceptible to theft and injury. Please be careful.      

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Anita4 Sensible Shopping Safety Tips for the Holiday Season

Winter is Coming! Here are Tips to Winterize Your Car This Year

by Anita on November 15, 2016

As November winds down, we can see that more and more leaves are crowding the ground and the frost is beginning to set in. The threat of snow is coming, and your car is vulnerable. We at Freedom Insurance Group, Inc. want to make sure you’re prepared for anything in these coming months because driving through Pennsylvania’s snowy weather can be a harrowing experience that requires composure and concentration. However, the weather is just as hard on your vehicle as it is on you. We compiled this list of basic tips to help you winterize your car so you’re ready for Old Man Winter.

  • Check your tires.
    When the temperature drops, your tires will most likely lose pressure. It is important to confirm that your tire pressure is up to par in all four and your spare. Also, because having worn tires on a slick road is extremely dangerous, it is necessary to make sure they have a good tread. You can also consider switching to winter tires, which are designed for optimal tread in slippery conditions. Along with that, be sure to check your tire-changing equipment just in case anything happens, like potholes – we’re all familiar with those.

  • Make sure you have visibility.
    If your windshield wiper blades are leaving streaks on your glass or if they are showing any signs of cracking or stiffness, it is time to replace them. Also, with all of the dirt, mud and salt residue being sprayed off the road, it is necessary to keep your windshield washer reservoir filled with a washer solution that contains an antifreeze agent.

  • Keep your gas tank full.
    A full tank of gas prevents moisture from freezing in the gas lines while also preventing you from running out in freezing winter conditions.

There are so many other tips we want to share with you, but we could go on and on. When you’re in doubt, get your car a tune-up to check your cooling system, battery, engine oil, etc. to make sure everything is okay and ready for the winter. At Freedom Insurance Group, Inc., we believe that if you treat your car with care, it will last you through the hectic months ahead. We think of you like family and want everyone to be safe and happy this coming season!    

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AnitaWinter is Coming! Here are Tips to Winterize Your Car This Year

Pet Injury Coverage on your auto insurance policy

by Anita on June 30, 2016

Do you have a pet that enjoys going on rides with you and the family? Do you frequently take your dog to a dog park? Do you know that some auto insurance companies have pet injury insurance coverage included under the collision coverage provision on your auto insurance policy? There is no added cost but is available to only dogs and cats. We all know in the state of Pennsylvania, car insurance is mandatory to protect ourselves, our passengers and others. It’s nice to know we can protect our pets as well in the unfortunate case of an auto accident. In order to have pet injury coverage, you need to have collision insurance on at least one vehicle on your auto insurance policy. Because it is included in your collision insurance, there are no deductibles. If your dog or cat is injured as a result of an accident, your auto policy through the collision coverage will assist with paying for the veterinary bills and medicine needed if your pet is injured while driving with you in your vehicle. Keep in mind, pet injury coverage is not the same as pet insurance. Pet insurance typically is purchased by the owner and covers veterinary bills when your pet is sick or injured. Pet insurance sometimes has a deductible and maximums. In order to provide pet injury coverage be sure to tell your insurance agent at Freedom Insurance Group Inc, about your pet so that you can provide the same peace of mind to your loved pet as you do to your passengers. In the worse case scenario, you can be granted up to $1,000.00 if your pet dies as a result of a comprehensive/collision claim. If your vehicle should happen to be stolen with the pet inside, the $1,000.00 death benefit will apply also.

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AnitaPet Injury Coverage on your auto insurance policy

Why do I need renters insurance?

by Anita on June 17, 2016

Whether you are renting a family home or an apartment, renters insurance will protect you in many ways.  If you have a break-in or an injury that occurs while a guest is visiting, renters insurance will assure that you will covered in the event of a sustained loss within the property you are renting.  Let’s say in an awful situation, you have a fire in the property and lose your possessions, renters insurance will recoup what items you lost due to the fire.  If you have personal property above the average such as jewelry or collections of importance, Freedom Insurance Group can help you decide what additional coverage you may need to protect specific items.  If you have a break-in your material items are covered the same way.  Your renters policy will also provide you with coverage for additional living expenses if you need to relocate temporarily while repairs are made due to the fire.  We all like to entertain and enjoy time with our friends and if a friend was hurt or sustained an injury in our home we would be sick with worry.  Renters insurance takes the fear of your friends injury being a financial burden if a trip to the hospital or doctors is necessary.  It also alleviates any awkwardness between friends.  Renters insurance in Pennsylvania is very affordable and most companies offer flexible payment plans for as little as $175.00 a year.  renters

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AnitaWhy do I need renters insurance?

Summer Heat Safety Tips

by Anita on June 1, 2016

Here we are June 1st and we know what that means…..the heat is on! Here are some friendly heat safety tips from your friends at Freedom Insurance Group.
-stay inside if possible in air conditioning during the mid morning to mid afternoon hours
-dress lightly
-drink plenty of water and other fluids (avoid alcohol and carbonated/caffeine)
-use small appliances like a crock pot and tabletop grills rather than your traditional oven
-when using a fan, do not put it directly in the window, rather place it so it blows in the room and out the window
-stay on the lowest level of your home
-seek medical care right away if you become nauseous, vomiting have cramps
-check on the elderly
signs of heat exhaustion are:
dizziness, excessive sweating, headache, pale skin, pulse that is weak or rapid, fainting
We are looking forward to a wonderful summer and hope these tips help you enjoy yourself.

Heat Wave Buddy Watch

 

 

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AnitaSummer Heat Safety Tips

Recreational vehicle insurance

by Anita on May 25, 2016

Choosing the style, type, size and interior for your RV is very exciting and you can’t wait to go explore the great outdoors and take in some sights! But the next crucial steps is to properly insure your recreational vehicle. Much like auto insurance, RV insurance has state requirements for financial responsibility laws. In Pennsylvania insurance minimums are $15,000/$30,000/$5,000 for bodily injury and medical benefits. Although these are the minimums, is it enough to properly protect your RV and to give you peace of mind if you have to use your RV insurance? Similar to auto insurance, you can add comprehensive and collision coverage as well as roadside assistance to your RV insurance policy. Some ways to save are available if you have an active membership with specified Recreational Vehicle Associations. Safety discount course is not only a smart way to improve your driving skills but will earn you an added discount off the cost of your recreational vehicle insurance. Anti-theft, alarms and disabling devices greatly improve the security of your RV and make it easier to track if the RV was ever stolen. CDL licensed drivers will be entitled as will airbags for a discount in additional, so will anti-lock brakes. Auto insurance and Rv insurance again are alike in that your age, marital status, driving record and claim history all factor into what your rate for insurance will be. Be sure to give Freedom Insurance Group a call at 215-673-0300 to see what savings we can offer you on all your insurance needs!

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AnitaRecreational vehicle insurance

Motorcycle insurance

by Anita on May 18, 2016

The weather is warmer, the potholes are fixed and it’s time to ride!  You are excited and ready to hit the road let’s make sure your motorcycle insurance is ready too. Why get motorcycle insurance?  First, it is mandatory to carry motorcycle insurance.  Second, you will want to make sure you, your bike and others are properly covered in the event you are involved in an accident.  The agents at Freedom Insurance Group Inc. will assist you in getting the motorcycle insurance you need so you can enjoy your ride.  They will discuss with you bodily injury liability coverage which will cover medical expenses that incur with an injury due to an accident.  Property damage liability coverage will cover damages to another person property when you are at fault such as other vehicles or physical property of others. Personal injury protection will reimburse you for medical expenses, funeral and lost income if you are hurt in an accident.  Collision coverage will cover damages to your motorcycle from collision with another object.  Comprehensive coverage will cover your motorcycle damages not caused by an accident.  Uninsured/underinsured motorist coverage will provide coverage for you and your passengers injuries if the other party does not have insurance or enough motorcycle insurance to properly cover the accident.  These motorcycle insurance options are the same as your options when purchasing auto insurance.  Now that you are all set with your motorcycle insurance you can grab your helmet, plan your trip and enjoy the great outdoors.

 

motorcylce

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AnitaMotorcycle insurance