Summertime was made for fun-from beach vacations to family barbecues, road trips, and dips in the pool. But unfortunately, sometimes during all that fun, there’s a mishap or two….
Make sure that your home and property are fully protected in case anything happens. Use this guide as a reference on how to insure yourself and your family for summer fun.
Swimming Pools
Your swimming pool is probably covered under your homeowner’s policy. That being said, you’ll want to make sure that you have enough to cover the following situations.
Injury or drowning
If someone is hurt or drowns in your pool, you are responsible. It doesn’t matter whether or not you gave them permission to swim. Your personal liability coverage is designed to cover these instances. Typical homeowner’s policies carry $100,000 of liability protection. If you have a swimming pool, you need considerably more. Experts suggest either increasing your personal liability (with the maximum being $500,000 or $1,000,000 depending upon the state) or adding a personal umbrella policy. Umbrella policies start at $1,000,000 in coverage. In addition, take steps to prevent these tragedies by securing your pool with a fence and self-latching gates. Make sure children never swim unattended. Install alarms that alert you if someone is entering the water.
Pro Tip: Make sure your pool meets the local municipal code. We’ve seen some insurance companies refuse to pay if the pool is not up to code.
Tree falls into your pool
Summer storms can be intense, and could cause your tree to fall on your house or into your in-ground pool. If a tree falls into your pool, your homeowner’s insurance could cover a reasonable expense to remove it if it was felled by a covered peril and if it struck a covered structure (like your pool) and damaged it. No more than $500 will be paid for any one tree and no more than $1,000 total for any one claim.
Trampolines and Swing Sets
Trampolines and swing sets are considered attractive nuisances, places on your property that can attract children but also put them in danger. (Swimming pools are, too.) You will need to safeguard them, such as by making sure they are in a fenced area.
Trampolines
Trampoline injuries or deaths are covered under your personal liability insurance as part of your homeowner’s policy. Check with your insurance agent to see if you have enough coverage for a trampoline accident. Also, check to see whether there are any individual limits to that coverage. Protect against these accidents by installing an enclosure to secure the trampoline so there are no unsupervised guests. Always supervise children while they are using the trampoline and enforce the rule that only one person uses it at a time.
Swing Sets
Swing set accidents also are covered by personal liability. Make sure your homeowner’s policy has adequate coverage. Supervise children whenever they are using the swing set. Inspect your set regularly and cover sharp corners or protruding nails that could cause injury. Check that there is a minimum of 22 inches between swings and that the slide is no longer than 10 feet. Also, make sure there’s at least 10 feet of clearance around the swing set.
Dog Bites
Dogs spend time outside with us in the summer. Sometimes that can lead to circumstances where dogs can bite. If your dog bites a third party, you are responsible. Liability coverage protects you in this instance. It pays for the bite victim’s medical expenses and covers your legal fees if they sue you.
Make sure that your dog’s breed is not restricted by your insurance policy. Some policies will not cover breeds such as Pit Bulls, Doberman Pinschers, or Rottweilers. California Casualty does not currently have such restrictions.
If your dog is a victim of a bite, pet insurance can help cover that emergency vet visit. You also may be able to be reimbursed by the other dog owner’s liability coverage.
BBQ Grill Fires
Backyard barbecues are a favorite summertime activity. We may not think about them being dangerous, but they can be. Practice summertime fire safety. Keep your grill away from the house and any other structures. Store your charcoal or propane safely and away from the heat. Keep a fire extinguisher handy. Always supervise young children when around a grill.
If a grill fire spreads to your home or property, and causes costly damage, your homeowner’s policy will likely cover repairs, minus the deductible.
If a guest is injured by a fire on your property, and you are legally responsible for that bodily injury, your liability insurance will cover that person’s medical expenses. If you are not liable, but your guest was injured through his/her own fault, then Coverage F – Medical Payment to Others may cover your guest’s medical bills.
Boats and Personal Water Craft
Small boats like kayaks and canoes may be covered under your homeowner’s policy as personal property. If you have a boat, you will need a separate boat insurance policy. You also need one for personal watercraft such as jet skis.
Boats – The costs of insurance will vary depending on the value of your boat and where you keep it. For a California Casualty property contract, the policy will cover up to $1,500 for boats and a trailer for 16 named perils but not for theft away from the residence.
If you’re transporting your boat on a car trailer, your auto insurance will likely cover any accidents.
o If you are at fault for a car accident, your auto liability will extend coverage but there will be no physical damage coverage for the boat or trailer.
If you want physical damage coverage for the trailer, it needs to be added to the auto policy. If you want physical damage coverage for the boat, it needs to be included on the boat policy.
If your boat is parked at your house and is damaged, your homeowner’s insurance may cover it. Otherwise, your boat policy will cover accidents on the water.
Personal Watercraft – Your jet ski or other personal watercraft will need its own policy to protect you from vandalism, accidents, and liability for injuries to people riding your personal watercraft. This type of policy is available through the Agency Services division of California Casualty.
Rental Car Accidents
If you’re heading on vacation this summer, you might be driving a rental car. Your own auto insurance may cover a rental car, minus your deductible, or the credit card that you used to book the car may come with insurance. If not, you will want to make sure that you are covered by purchasing rental insurance through the rental car company. Here’s what you will need to think about.
Collision Damage or Loss Damage Waiver – Optional in many states, this type of coverage pays for the rental car if it is damaged or stolen. There usually is a deductible, for which you’re responsible. If your auto policy covers collision damage, make sure that it also covers “loss of use.” For a rental company, getting a car repaired in the shop means it loses the income it could be getting from renting the car. The rental company can charge you the daily rental rate for each day the vehicle is out of service.
Personal Accident Insurance – This optional policy covers you, the driver, in the event of an accident, including ambulance transportation and medical bills.
Supplemental/Additional Liability Insurance – This optional policy covers the other driver and passengers whom you may injure in an accident. It also covers any property damage. You likely have liability on your own auto policy. Check to make sure the liability limit is enough. You can purchase supplemental liability insurance with the rental car company or get an umbrella policy from your current insurer.
Personal Effects Coverage – This optional policy covers your possessions if they are damaged, lost, or stolen, something your homeowner or renter’s policy may already cover.
Have a great, fun-filled summer!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
School’s out, which means if your child is old enough, he or she may find themselves home alone without you. Navigating the house on their own, or with a babysitter, can definitely help kids build independence. However, you also want to make sure they’re safe.
For those times when your child may be home alone or with a babysitter, here’s a list of important summer safety tips.
Lesson 1: Basic First Aid
Decide what first aid your child may be capable of providing. If he or she gets a small cut or scrape, for example, your child can clean the wound and put on a band-aid.
What You Can Do: Prepare a first aid kit with those supplies that you would like him/her to use for such things as minor cuts, scrapes, and burns. Go over the items in the first aid kit and show your child how to use them. Then have your child role-play and practice with them. Discuss when they might need to call for help if the injury seems more serious than they can treat with the kit.
Pro Tip: If your child has a smartphone or device and is allowed to use it, download the Red Cross First Aid App.
Fire safety at home is important. Fires can be scary but even the sound of the smoke alarm can be frightening.
What You Can Do: Let your child hear the sound so they know what to expect. Then discuss the fact that they need to leave the house and contact a trusted adult such as a neighbor or someone by phone. If there’s an active fire that they see, they can call 9-1-1. Since your child can be anywhere in the house when the smoke alarm goes off, practice how to leave each room. Remember the rule of 2/2/2. Practice two ways out of every room, two times of the day (day and night) at least two times a year.
Lesson 3: Emergency Contact List
Help is just a phone call away. Share the emergency list with your child.
What You Can Do: Post the list of parents’ work and cell numbers, family, and friends who will be available to your child as needed. Include neighbors who can be a nearby onsite resource. The list also should include 9-1-1 for big emergencies (and your house address should the dispatcher need it). However, explain to your child the types of situations that would necessitate dialing 9-1-1.
Pro Tip: Involve your family member or neighbor and have your child give them a quick call to ask if it’s okay to put their names on your call list. That will give your child practice making the call.
Lesson 4: Bad Weather or Emergency Situations
Even in the summer, bad weather can strike. If your child is at home alone or with a sitter and there is a severe storm or another emergency situation, make sure they know what to do.
What You Can Do: Make sure your child or sitter knows how to check the weather, on their phone or your local weather channel, and have them sign up for emergency alerts. Also, make sure they know where you keep your emergency kit if they need to take shelter. Go over the family disaster plan with them so they know exactly who to call and where to go. It’s important to discuss emergency scenarios with your child and sitter before you leave them alone, so they won’t panic and will know exactly what to do.
Lesson 5: Home-Alone Rules
Depending upon your child’s age and maturity, and your own comfort level, set rules for when they are home alone or with a sitter.
What You Can Do: Go over the rules with your child. Practice them and explain their importance. And then write them down as a reference, that they can look at. Here are some rules you may consider.
Limit cooking and stay away from fire sources.
Decide if your child will be allowed to use the stove, microwave, or toaster. If not, make sure there are plenty of cold meal options and snacks. If you do allow cooking of any kind, review the safety rules. Make sure your child knows what materials are dangerous for the microwave, and not to fish out a stuck piece of toast from the toaster with a metal fork. Decide on the rules for knives. Make sure your child doesn’t do anything alone that he or she hasn’t already done successfully under your supervision. Finally, ensure that your child knows where the fire extinguisher is and how to use it in the event of a kitchen fire. (Also, if this happens, your child should call an adult and 9-1-1.)
Keep the house locked and don’t let strangers know you are alone.
Make sure all doors and windows are locked when your child is home alone or with a sitter. If there is a security system that will be set, teach your child how to enable and disable it. Let your son or daughter know not to answer the door, even for delivery people. If someone calls and asks for you, provide a script of what to say; for example, “he or she is busy right now. Can I take a message?” Write that by the phone so your child doesn’t have to remember it. Be clear on whether your child is allowed to leave the house, and under what circumstances. If he or she does leave for any reason, instruct your child to tell you. You should always know where your child is.
Set rules for the phone, computer, smart devices, and TV.
Screen time is a big draw to kids home alone. Set the rules so they know what is allowed and what is not. You may allow gaming but not social media, or a movie marathon but not long text conversations. Make sure your child does not share that they are home alone, whether on social media, text or other interactions.
Specify the way your child will check-in.
You will want reassurance that your child is all right. Ask him or her to check in with you at specified times and in specific ways. Decide whether a text or call will suffice and how often. Make it a rule that they have to answer you right away if you call.
If your child is new to being left alone, start small. Leave for a short errand. Praise your child for following the rules. Continue to model safety practices, and before long, you’ll be surprised at how responsible your child can be when home alone.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Is there anything better than knowing your vacation is near? You’ve taken off work and you’re busy planning and packing. But while you’re focused on your destination, don’t forget that you’ll also be leaving your home unattended.
Whether you’re heading out of town for two days or two weeks, take the time to prepare your house and property so there will be no unfortunate surprises (or visitors) while you’re away.
Make your home looks lived-in.
Savvy thieves look for signs that you are away, such as an overgrown lawn, a pile-up of mail or packages, or an empty driveway. A well-maintained home and property reinforce the fact that people are living here, and most likely at home.
Mow and edge your lawn before you leave. Trim your bushes, especially around windows and close to your house.
Pick up any debris and any personal items in your front or backyard.
Stop your mail and newspapers, and arrange for a neighbor to pick up any packages.
Leave a car parked in your driveway or ask a neighbor to park in front of your house.
Invest in an inexpensive light timer to turn the lights on and off while you’re away.
Secure your home and property.
There’s a lot more than simply locking the doors that goes into securing your home and property. You want to make it unlikely that a thief would target your home, and also protect its contents should a neighborhood fire or disaster occur.
A security system can help protect your property and also reduce the cost of your home insurance policy.
Consider a motion-sensor floodlight, which can help to deter trespassers.
Make sure your important papers are in a fireproof container or safe.
Leave an emergency contact number and a spare key with a trusted neighbor. (Don’t hide your key in a rock. That’s the first place a thief will look.)
Don’t advertise that you are going away on social media. Wait until you return home to post photos.
Clean thoroughly.
Coming home to a dirty house is no fun. Neither is being greeted by week-old smells of stinky garbage. Take the time to clean up before you leave so everything is fresh and ready for your return.
Empty all of the trashcans, especially the kitchen trash, right before you leave. Ask your neighbor to put out your trash cans on the next trash day.
Run your garbage disposal with half a cup of vinegar and some water.
Do the laundry and change the sheets.
Make plans for your pets and your plants.
It goes without saying that you won’t leave your pets or plants unattended if you’re going to be away.
Depending on the type of pet, you may need a pet sitter or boarding facility. Make those plans well in advance of your trip.
If you’re leaving pets at home, make arrangements for someone to check on them. You will provide them with food and water of course. But even low-maintenance animals can get accidentally trapped in spaces or encounter other mischief.
Ask a neighbor to water your plants at your home or theirs. If you dole out your plants to multiple neighbors, make a list of plants and locations so you know who has what.
Put your systems in vacation mode.
If no one will be living in your house, why pay for gas, electric or water? It’s a good time to save energy by shutting down the home systems that you don’t need, taking into account if there are any pets or plants that will need them.
Put your water heater in vacation mode. It’s a setting that allows your water heater to run your boiler at a lower temperature than normal.
Turn off the water valves to the dishwasher, washing machine and all sinks, if no one is going to be using them (such as a neighbor watering plants).
Set your thermostat to a temperature closer to the outside temperature. Just remember to adjust it for pets and plants as needed.
Change the batteries in your smoke detectors if you have not recently done so.
Do a final check the day you leave.
There’s a lot to think about as you’re leaving for vacation, and likely your mind is more focused on the trip ahead than what’s happening at home. This is where a final “to do” list and check-in helps. Plan to do these things on the day you leave.
Unplug and shut off appliances not in use. Not only does this save on your electric bills, it protects items from power surges.
Close all doors and windows. Close the curtains and blinds.
Leave on a light or two on or set a lamp timer.
Set the thermostat appropriately.
Check the washer. The last thing you want is old (and smelly) wet laundry to greet you when you return.
Make sure your oven is off. Make sure your iron is off.
Pro tip: Take pictures of items you’re worried about, such as oven knobs to show they’re off. That way, you can check back if you’re concerned about them.
Check-in while you’re away.
You may be out of town, but you’ve got great ways to check in to see what’s happening in the neighborhood.
Look at online footage from your home’s security camera.
Text or call a neighbor to check in.
You also may consider hiring a house sitter so that you don’t have to worry about what’s happening at home. If you do choose that route, make sure that the person is a reputable one. Establish a set of rules, so it is clear what your house sitter can and cannot do (for example: can watch Netflix; can’t have parties).
Don’t forget to thank the neighbors who helped you. Bring them a souvenir or small gift from your vacation or get them a gift card for a dinner out.
Finally, know that your home and property are protected by homeowner’s insurance. Should anything happen while you’re gone, your policy helps provide that peace of mind.
Have a great trip.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
It’s a well-known fact that plants produce oxygen. But did you know that some plants also “clean” the air that we breathe? It’s true. These plants can remove harmful chemicals, from paint fumes to furniture polish. This can help reduce respiratory problems, allergy symptoms, and headaches. But it’s important to note, that not all plants do this. And some that do are not safe for pets and young children, because they are considered toxic if consumed.
If you’re thinking about adding some house plants that promote indoor air quality, and are also good for pets and your youngsters, here are some great options to add some safe greenery to your space.
Why are chemicals in my air, anyway?
You don’t have to live in a chemical plant to be exposed to VOCs, volatile organic compounds. VOCs are emitted as gases from certain things that are common in our homes. Cleaning products, paints, cosmetics, printer ink, and even building materials can create these pollutants.
The NASA Clean Air Study and other studies looked at different plants’ effects on reducing VOCs. We culled the list to include those plants that were safe for pets, too.
Named for the long leaves that resemble a spider’s legs, these plants remove formaldehyde, xylene, and toluene from the air. These chemicals are found in household products such as glue, paint, lacquer, nail polish, and stain removers. Formaldehyde also is in some cosmetics, dishwashing liquids, building materials, and insulation.
Spider plants are great plants for beginning gardeners. They are easy to grow; you can even start them from cuttings. They just need water and bright indirect light.
Pro tip: A spider plant’s dangling leaves may attract curious kittens. Make sure your plant is in a safe place where your cat cannot knock it over.
This plant is named for its round, flat leaves that, with a little imagination, resemble coins. According to tradition, these plants are supposed to bring luck. Money plants are lucky in other ways; they soak up toxins in the air like formaldehyde.
This plant likes bright indirect light. It’s also a great plant for beginners. You can grow it in water or soil.
This is a big, bold plant that commands attention with its feathery, arching fronds. It naturally purifies the air by absorbing formaldehyde, xylene, and toluene, pollutants found in many common household products.
Make sure you have enough space if you’re growing it indoors. It can grow as tall as six or seven feet. An Areca Palm needs indirect sunlight and enough water to keep it moist. Because it grows big, your Areca Palm will need repotting every couple of years.
4. Boston Fern/Sword Fern (scientific name: Nephrolepis exaltata)
Fondly known as a living humidifier, the Boston Fern loves humidity. It will naturally put moisture back into the air and is great for sinuses and allergies. It also is an air-purifying superstar. It absorbs formaldehyde, xylene, and toluene, pollutants found in many household products.
Boston Ferns do need indirect sunlight in a spot that isn’t too warm, and regular watering to keep the soil damp. Since they love humidity, Boston Ferns do well in bathrooms and kitchens.
5. Wax Plant (scientific name: Hoya Carnosa)
This low-maintenance plant is named for its green waxy leaves, and it produces clusters of tiny starry flowers. The Wax Plant is great for anyone frequently exposed to chemicals found in paint, gasoline, or smog. It absorbs VOCs like benzene.
It’s a tropical plant that thrives in bright indirect light and high humidity. It’s easy to grow a Wax Plant from cuttings. Place them in a water jug for 2-3 months until the roots are well developed, before planting.
6. Moth Orchids (scientific name: Phalaenopsis)
These colorful, long-lasting flowers look exotic but actually are very hardy. Their flowers resemble moths in flight, which was the inspiration for their name. These beautiful plants are great at absorbing paint fumes.
Interestingly, Moth Orchids get their nutrients from the air. You may see them grow roots above the soil. Don’t cut them off as the plant needs them to thrive. Moth Orchids need indirect sunlight and prefer higher temperatures and humidity.
While the Barberton Daisy comes in traditional white, it also blooms in yellow, orange, red, and pink. Its bright colors make it a favorite house plant. The fact that it also filters out benzene, formaldehyde, and trichloroethylene is a bonus! These chemicals are found in adhesives, cleaning fluids for rugs, paint removers, spot removers, and typewriter correction fluids.
Indoors, they can flower any time of the year. They love direct sunlight and moist soil. They usually last for a single growing season but your Barberton Daisy can last for two to three years with good care.
Also called Red Ivy, the Purple Waffle Plant has beautiful gray-green leaves with purple undersides. Its coloring makes it a popular plant for homes and offices. An added bonus is that Purple Waffle Plants are very good at removing VOCs such as benzene, toluene, and octane. These are common pollutants found in paint, cleaners, hair spray, and more.
This plant likes medium to bright light indoors. It thrives in moist soil. Purple Waffle Plants will produce white flowers in the summertime.
What to Do If Your Fur Baby Eats a Toxic Plant
While the plants on this list are safe for pets, not all plants are. If your fur baby ingests any part of a toxic plant, call your veterinarian immediately. You may be asked to bring your pet in for treatment. For emergencies like this, pet insurance can help. Find out more about what pet insurance can cover by talking with a California Casualty customer service representative.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Droughts, fires, floods, and storms – natural disasters can wreak havoc on your home and your property. Yet, many of us live in regions that are prone to them. If you live in such a place – or if you’re considering moving into one – how do you protect your investment?
Two ways: 1. Know your risks. 2. Have the right protection.
Know Your Risks: Is your region prone to a natural disaster?
A natural disaster can happen anywhere at any time. Weather patterns in a region are a good predictor of whether your area will likely be at-risk now and in the future.
The average weather pattern in a place over several decades is called a climate. An area’s climate affects the weather and the type of natural disaster(s) they are prone to. For example, we know the West has a very dry climate that causes frequent wildfires; the Northwest is known for its wet weather, which could lead to severe flooding. The Midwest is associated with brutally cold winters which can lead to devastating winter storms. And the warm coastal climate of the South East is the prime environment for hurricanes.
If you want to know the most common weather risks to your home or in your area, you can do a free climate risk assessment on ClimateCheck.
Know Your Risks: 6 Common Disaster Risks
Disasters come in many forms, from tornadoes and hurricanes to floods and droughts. Following are six types of disaster risks that may affect your home or property.
1. Heat Risk
Extreme heat occurs when there is high heat and humidity, and temperatures exceed 90 degrees for a period of days. In terms of disasters, extreme heat can sometimes lead to fires. (See the Fire Risk section for more detail.) U.S. counties with the greatest risk for heat include 37 counties in the south with a third of them located in Florida.
2. Drought Risk
Droughts occur when there is not sufficient precipitation. Not only does this put a stress on the water supply, but it can also have a severe impact on your landscaping. Soil dryness can also lead to settling issues with your home’s foundation. Unfortunately, for most homeowner policies, settling or shrinking is not a covered loss. U.S. counties with the greatest risk for drought include 34 counties in the west, with 21 in Colorado.
3. Fire Risk
When drought occurs and heat becomes extreme, the conditions are right for a fire to start. Wildfires can destroy your home or community. Wildfires account for about $16.5 billion in damages annually in the U.S. In the event of a fire caused by a natural disaster, your home’s dwelling coverage will pay to repair or rebuild your home up to your policy limit. U.S. counties with the greatest risk of fire are located in the West.
4. Flood Risk
This includes coastal flooding as well as flooding from surface water or nearby lakes and streams. Rising sea levels and extreme weather have contributed to flooding, which cost as much as $20 billion annually in the U.S. A traditional homeowner’s policy does not cover flooding. For your home to be covered you will need to purchase a separate flood policy. U.S. counties with the greatest risk of flooding are mostly located in the south, including Florida, Louisiana, and North Carolina.
5. Severe Storm Risk
Storms include high wind, wet or snowy weather events. These could be hail storms, hurricanes, tornadoes, or other types of destructive weather. Storm damage in the U.S. averages about $17 billion annually. Your homeowner’s policy may cover some aspects of storm damage, including hail, wind or lightning. If you are unsure, check with your insurance’s Service Department to see what is covered under your policy. U.S. counties with the highest risk of storms are located in the Northeast or Southeast.
6. Earthquake Risk
Earthquakes typically occur along fault lines and can cost millions in damages. In the U.S., they are more common in California and Alaska. A pair of earthquakes struck Ridgecrest City, California, in 2019, causing nearly $40 million in damage. Importantly, while earthquakes cause significant damage to buildings and property, they are not covered by the typical homeowner’s policy. In some states, however, you can purchase coverage for earthquakes for an additional premium.
Have the Right Protection: Do you have enough insurance for a disaster?
If a natural disaster happens in your community, and your home and property are damaged, you want to be able to rebuild. Yet, many homeowners find themselves having to fund portions of the rebuilding process because they’re underinsured. Here’s what you need to know.
During a disaster, your neighbors will be rebuilding at the same time. When demand exceeds supply, that can drive up prices for materials and labor. These increased costs usually aren’t factored into homeowner’s coverage, and you have to pay out of pocket for the difference. Some policies carry a mandatory endorsement added to the policy that provides an additional 25% of coverage to cover these additional costs. There is a fee for this endorsement, known as extended repair/replacement cost.
You may be required to meet new and stricter building codes when you rebuild. You may use up to 10% of Coverage A for the increased costs you incur due to the enforcement of any ordinance or law. For an additional premium, increased amounts of coverage can be purchased via an endorsement.
If your area is prone to floods or earthquakes, you will want those additional policies. Your homeowner’s policy does not cover these events. Keep in mind that there is a 30-day waiting policy for flood insurance.
Rebuilding a home can take a long time. Your policy’s living expense coverage will provide a flat percentage toward living costs, usually 30% of the Coverage A amount. Some states have time limits (e.g. 12 months) on when you can use that coverage. Plan to cover those additional expenses out of pocket.
You want to be fully prepared for a disaster, and not just with a disaster plan. Talk with your insurer about your home and property to ensure that you are fully covered, no matter which location you call home.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
You want to do your part by helping the environment. That’s why going green sounds so good! But why is it that in reality, we often skip the trip to the recycling bin after a few days and hit the trash instead? (oops…)
Forming and continuing good habits is the key to encouraging recycling- even when you’re feeling lazy or in a hurry. Try these recycling organization hacks at home and on the job, to make recycling a part of your everyday routine.
Get a recycling bin and learn your local regulations.
Call your trash provider and ask about getting a recycling bin. Different municipalities have different rules for separating recyclables. These include paper, plastic, glass, and some metals. Use these rules as a guide to create a recycling plan. Make a list and post it for easy reference. If you’re in the office, look for recycling bins in common areas or talk to your manager about getting a small bin for your desk.
Designate containers for each type of recycling.
Label each container clearly. If you’ve got small children, color code the containers or put pictures on them in addition to words. Choose containers that are easy to use. For example- containers with wheels can be easily moved, those with comfortable handles that can be easily lifted, stacking containers take up less floor space -etc. The easier it is, the more likely you will be to use it.
Carefully choose the locations for your containers.
If a recycling container is not nearby, you may be tempted to use the trash can. At home, put recycling bins in high usage spots such as the kitchen, bathrooms, the laundry room, and home office. In the office, you can put a paper recycling bin in the copy room, a plastic recycling bin in the break room, and so on. Ask your fellow employees for the best places to put the bins in terms of how they use the workspace. Make sure the bins are visible and easy to access.
Leave recyclables in the sink to rinse when you wash your dishes.
Whether it’s in your home kitchen or the office break room, you will likely have recyclable food containers with food residue. These need to be cleaned before they hit the recycle bin. At home, it’s easy to throw the empty containers in the sink and rinse them when you do the dishes. At the office, that won’t work as well… get in the habit of rinsing your containers as soon as you are finished with them and putting them in the recycling bin.
Be as digital as possible.
Adopt a paper-conscious policy at home and in the office. Discourage printing unless absolutely necessary, and when you do, print on both sides. The less paper you use, the less you have to recycle. Plus, there are so many wonderful options from calendars to bill paying, digital file-sharing, and more. There’s even an app to help you manage your waste and recycling schedules, set up reminders, and more.
Keep reusable bags in your car and at the office.
If you’re heading out to buy some groceries or pick up supplies for the office, bring your own reusable bags! You won’t need to use the store’s disposable bags, thus reducing the amount of waste you generate. Be aware of stores’ collection sites for batteries, ink cartridges, and plastic bags, and bring those along. (Pro tip: Collect them in one of the reusable bags that will you take to that store.)
Create a compost bin for your kitchen.
Composting is good for the earth. You can create your own simple compost container from a coffee can placed near your kitchen sink. Simply add fruit and vegetable peels, coffee grounds, eggshells, old oatmeal, bread crusts, and other items that will decompose. Then periodically transfer the contents of the can to a larger compost bin outside. You can then use it to fertilize your garden or landscaping.
Reduce, reuse, & recycle your office supplies.
Set up a space for used office supplies that can still be reused. Ask employees to check this space first before getting new supplies. In addition, you can buy recycled. Replace standard products with recycled products; oftentimes, it will save you money.
Make recycling a fun challenge.
Generate excitement about recycling with a challenge. If everyone else is motivated to recycle, then you won’t have to stay on top of them. They’ll do it themselves. At work, run a weekly contest by department to see how many recycling bins can be filled, or how much less trash is generated. Choose a recyclable of the week, and award departments that recycle the most. Recognition can include signage and perks such as leaving early, working from home, and free lunches. At home, reward environmentally-conscious kids with a special treat, later bedtime, or a family outing.
While you go green indoors, make sure your vegetation is staying green too! Use this guide to easily check the health of your trees and large shrubs, and avoid a possible future homeowner’s claim.
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