by California Casualty | Helpful Tips, Homeowners Insurance Info, Pets |
Thinking of adding a furry friend to your family? Or maybe your relatives are bringing their four-legged companion for a visit? Either way, ensuring your home is safe and welcoming for pets is important. From curious kittens to energetic pups exploring every corner, pet-proofing your space is essential to prevent mishaps. With a few simple tweaks, you can create a cozy and secure environment that’s perfect for both pets and people. Here’s a room-by-room guide.
Family Room/Living Room
- Furnishings: Pets love to jump, even if you don’t allow them on your furniture. Make sure it’s safe in case they get up there. Remove furniture that moves when jumped on (rocking chairs and chairs with wheels), and don’t leave reclining chairs open. They can close from the momentum of the jump, entrapping your pet. Add anti-scratch tape to the couch and other furniture to discourage scratching.
- Cords and wires: Pets love to play with dangling wires. Make sure cords from lamps, TVs, and other appliances are out of reach or taped down. You can use a pet-safe bitter apple spray to deter chewing. Cover electric cords or put them away when not in use. Follow guidelines for extension cord safety.
- Knickknacks and toys: Be prepared for décor and knickknacks to be knocked over. Keep them out of reach of curious pets. Remove children’s toys to avoid damage and potential choking hazards.
- House plants: Many plants can be poisonous to pets. Move them out of reach, possibly to a room where the door is closed so pets have no access. Fortunately, there are many pet-friendly plants that you and your fur baby can both enjoy.
- Fireplace and heaters: Place dog beds and blankets away from fireplaces or heaters. Block off access to the fireplace for pets just as you would for young children.
- Windows: Pets love to look out the window. Make sure your windows are closed. Install window guards so curious pets don’t accidentally fall through.
Kitchen
- Cabinets: Pets can pry open cabinets. Add childproof latches to cabinets within their reach so curious paws and noses can’t get in.
- Stove: Put up a stove guard to keep cats from jumping on a hot surface. Always supervise cooking. Don’t leave your stove unattended with pets in the house.
- Dishwasher: Close the dishwasher when not in use. Dishwasher detergent has chemicals that can cause severe irritation to the mouth and well as gastrointestinal upset. Plus, sharp objects like knives with food residue can be enticing for pets, and cause injury.
- Counters: Food can entice pets to jump up on counters. Even if the food is safe for them to eat, you don’t want them there. Store food in containers with tightly closed lids or in the fridge. Layering aluminum foil can keep cats from jumping on counters.
- Trash cans: Keep garbage in pet-safe trash containers. Some are heavy enough so they can’t easily be knocked over and others come with locks. You can also tuck trash cans away in a closet or cabinet.
Bathroom
- Cleaners: Store cleaning products and other hazardous chemicals out of reach to keep curious pets safe. Consider using cabinet latches to secure lower cabinets, and for dogs, placing items on high shelves can provide extra protection.
- Medication: Always store medications in a secure cabinet or drawer. Even small amounts of medications can be toxic to pets if ingested.
- Toilet: Keep the toilet lid closed to prevent pets from drinking water that may contain harmful chemicals. Use a toilet roll protector to keep playful pets from making a mess.
- Accessories and bath items: Keep small items like hair accessories, loofahs, and razors out of reach. These items can pose choking or ingestion risks and laceration hazards.
- Hair-styling heat tools: Always unplug and store curling irons, straighteners, and other heat tools immediately after use to prevent burns or accidents.
Bedroom
- Closets: Keep closet doors closed to prevent pets from accessing laundry or shoes. Items like drawstrings, buttons, or small accessories can be dangerous if chewed or swallowed. Don’t forget to check under the bed for loose socks or undergarments and store them safely out of reach.
- Curtain Cords: Dangling cords can be irresistibly tempting for pets but pose serious risks of entanglement or injury. Tie them up securely or opt for cordless window treatments to eliminate the hazard.
- Bedside Table: Store medications, lotions, and cosmetics in drawers or on higher shelves, away from curious noses and paws. These items can be harmful if ingested.
- Charging Cables and Electrical Cords: Keep electrical cords out of reach to prevent chewing, which can lead to electric shocks or burns. Charge devices on a high shelf, and tuck away charging cables when not in use.
Other Spaces
- General: Use pet gates to section off certain areas for dogs. Keep in mind that gates are less effective for cats, as they can climb or jump over them.
- Laundry Room: Always keep washer and dryer doors closed. Before starting the dryer, ensure no pets, especially cats, have climbed inside. Block small spaces behind washer and dryer units to prevent pets from getting stuck. Store dryer sheets in a sealed container on a high shelf; they contain chemicals that can cause gastrointestinal upset, skin irritation, and other serious health issues.
- Garage: Store chemicals like antifreeze, paints, and cleaners on high shelves or behind locked doors. Clean any antifreeze spills immediately—just a small amount can be lethal if ingested. Keep sharp tools and objects safely stored and remove any mouse or insect traps that could harm pets.
- Yard: Avoid letting pets into the yard immediately after applying pest control chemicals. Check that all outdoor plants are safe and non-toxic for pets. Repair holes in fences to prevent pets from escaping. Store lawn and gardening tools securely when not in use. Keep pets away from compost piles, mulch, and fertilizers, which can be harmful if ingested. Choose a pet-safe ice melt for your property during the winter months.
- Balconies and Swimming Pools: Block access to balconies or use barriers to prevent falls, especially for small pets. Restrict access to swimming pools when not supervised to prevent drowning accidents.
- Finally, don’t forget to protect your fur baby with pet insurance for added peace of mind, and to save on your vet bill. Remember, you can easily add pet insurance from Pet’s Best to your California Casualty auto or home policy. Find out more about what pet insurance can cover by talking with a California Casualty customer service representative today.
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.
by California Casualty | Auto Insurance Info, Helpful Tips, Safety |
As temperatures drop and roads become icy, taking steps to winterize your car ensures you stay safe and stress-free. From checking your battery to swapping out wiper blades, preparing for the season is all about protecting yourself and your ride. Ready to keep your car in peak performance through the cold months? Let’s get started!
Take care of your tires.
You depend on your tires to grip the road. Make sure they’re in the best condition to help you maneuver safely.
- Check the tread. Tread gives you traction, and worn tread will take longer to stop on slippery roads with ice and snow. Put a penny into one of the grooves with Lincoln’s head facing you and upside down. If you see all his head, your tread depth is dangerously low. Replace your tires.
- Rotate your tires. Tires don’t wear evenly. The front tires usually have more wear on the outside edges, because they lean when you turn right or left. The front tires also hold the weight of the engine. To help your tires wear evenly, you need to rotate them every 5,000-7,000 miles.
- Align your tires. If you’ve ever taken your hand off the wheel while driving, and notice your car veering toward the side, you need an alignment. You need to align your tires to keep them pointing straight ahead. You can easily knock them out of alignment by going over a pothole. If you don’t align your tires, you can experience steering problems, poor fuel economy, and uneven tire wear.
- Consider snow tires. If you live in a place where snow is heavy, you may wish to switch to snow tires. Their softer rubber remains flexible in cold weather and helps them grip the road. Their wider grooves also are better at repelling water and gaining traction in snow.
- Check your tire pressure. As the weather changes, you will notice corresponding changes in your tire pressure. That’s because air expands as it gets hotter, which raises the pressure. It contracts as it gets colder, which lowers it. In cold weather, tire pressure can decrease about 1 psi for every 10-degree drop in temperature. That’s why it’s important to check your tire pressure when the weather changes, in extreme heat and cold, and adjust as needed.
Take care of your fluids.
Cold weather affects your car’s essential fluids.
- Change your oil. Cold weather thickens engine oil. That makes it harder for parts to turn. It also puts a strain on the starter and the battery. Choose a lighter weight oil for winter. Check your owner’s manual for the proper oil weight.
- Top off coolant (antifreeze) Coolant prevents your engine from overheating or freezing. Check the reservoir tank (not the radiator) and ensure the level is between the “min” and “max” lines. Use the correct coolant specified in your owner’s manual, as using the wrong type can damage the engine. Mix coolant with water in the ratio recommended in your manual.
- Refill windshield fluid. We use our windshield wipers a lot in the snow and rain. Make sure you have enough wiper fluid. Use a formula designed for low temperatures to avoid freezing. Keep an extra gallon in your car for emergencies.
- Change differential fluid if needed. This fluid helps to lubricate the gears and helps the wheels rotate at different speeds. It should be changed every 30,000 to 60,000 miles as the fluid breaks down over time.
Take care of your car’s components.
Cold weather can wear down critical parts of your vehicle. Getting your vehicle checked out with routine maintenance helps you stay on top of things.
- Test your battery. Cold temperatures slow down chemical reactions in the battery, reducing power. Check for corrosion and ensure it holds a charge. Replace old batteries to avoid breakdowns.
- Inspect belts and hoses. Cracks or wear in belts and hoses can lead to failures in cold weather. Address any issues immediately.
- Check your brakes. On slippery winter roadways, your brakes must be in good condition. Check and make sure your pads are not worn down. Otherwise, it will take longer to stop and could cause an accident.
- Check your spark plugs. Worn spark plugs can make your car more difficult to start in the winter. Look for signs of wear like carbon buildup, a damaged ceramic insulator, or oil deposits. Check your owner’s manual for recommended replacement intervals.
- Change your wiper blades. Snow, salt and slush builds up on your windshield. Your wipers need to work well. If your wipers look dry and feel brittle, if they make noise, or if they leave streaks, you will want to replace them. You can also get winter wipers which have a rubber edge and are heavier than regular wipers. A heavier weight makes the wiper motor work harder so make sure to remove them come spring.
- Change the cabin air filter if needed. A dirty filter can cause your HVAC system to perform poorly. It can slow down defogging of your windows, and not screen airborne contaminants. Change the filter at recommended intervals.
Equip your car with emergency essentials.
Winter driving can be unpredictable, so pack for the unexpected.
- Stay warm. Include hand warmers, blankets, and a winter emergency kit.
- Be ready for snow and ice. Make sure you have an ice scraper and snow brush.
- Bring along cat litter. Keep a bag of cat litter to sprinkle if you get stuck in the snow or on a slick patch. The extra weight will also increase your tire’s grip on the road.
- Stay fueled. Fill up your gas tank every time it hits the halfway mark. That way if you’re stranded, you’ll have gas to run the heat and keep you warm until help comes.
- Stock up. Keep bottled water and snacks handy. In case of a breakdown, that will help.
Finally, protect your vehicle with the right insurance for added peace of mind. Safe travels this season.
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.
by California Casualty | Helpful Tips, Homeowners Insurance Info |
As the temperature drops, uninvited guests may view your home as the perfect winter retreat. Small critters like mice, squirrels, bats, and raccoons are experts at finding cozy nooks to ride out the chill. But don’t worry—keeping your home critter-free this winter is easier than you think. With a few simple steps, you can secure your space against these furry invaders and avoid the damage and mess they can bring.
Ready to critter-proof your home? Let’s get started!
Steps to Take Outside
Animals live outside and you would expect them to be there. However, you don’t want them nesting so close to your home that they may be tempted to venture inside.
- Trim landscaping. Keep shrubs close to the house well-trimmed so there are not places for them to build a home. Trim your trees so squirrels won’t be able to easily jump from there to your roof. Avoid using wood chips as mulch, as these make wonderful nesting material.
- Store firewood safely. Firewood can be a cozy hideout. Place logs at least 20 feet away from your house. Not only will that keep critters farther away, but the distance will also help protect against a fire risk. Keep the wood at least 18 inches off the ground to reduce the chance of rodents seeking shelter there.
- Remove food sources. Food is a major draw for animals. Place bird feeders away from your home and use squirrel guards to keep unwanted visitors out. Store food in sealed containers, and ensure garbage cans are securely closed and inaccessible.
- Secure decks and porches. The spaces beneath decks and porches are prime nesting spots. Look for signs of activity like gnawed wood, droppings, or burrow holes. Animals prefer dark, quiet areas, so deter them with a combination of radios, flashing lights, and apple cider vinegar-soaked rags. Once the critters leave, block openings with decorative lattice, burying the bottom edge to prevent reentry.
A note: Groundhogs who burrow under concrete slab, deck, porch are hibernators. You do not need to worry about them in the winter. They will not bother anything. However, during the springtime, you can use some of the above actions to get them to leave. Mylar windmills that move with the wind also will frighten them away.
Steps to Take in the Garage
Your garage is the midpoint between the outside and your house. Due to its proximity to your home, and the amount of stuff you probably store there, it could be inviting for critters.
- Seal openings. Garages offer shelter that is relatively warm, dry and protected from the elements. It’s no wonder critters want to be there. They don’t need a lot of space to get inside. Mice can enter in a ¼ inch gap. Check your garage for any openings. Caulk and fill in any cracks. Install a garage weather seal to close the gaps at the bottom of the doors.
- Clear the clutter. Critters do not like being out in the open. They are seeking cozy spaces where they can hide. This includes behind boxes, under shelves, beneath insulation, inside old tires, and so on. Remove any unnecessary boxes. Use plastic bins with tight lids so they can’t get inside. Raise items off the floor as a further deterrent.
- Eliminate food sources. Don’t keep trash or store food in your garage. Animals can smell a food source. If you must keep food in your garage, seal it in a container that will help prevent the scent from being detected.
- Insulate cavity walls. If your garage has cavity walls, you may find them make great homes for smaller animals such as mice. Consider filling them with a spray foam insulation. Not only will it help prevent critters from nesting there, but it will keep your garage warmer. Pro Tip: Choose a foam that includes rodent repellent.
Steps to Take in the Attic and Chimney
Both attics and chimneys are popular places for critters to nest. They are often easily accessible to the outside, and like garages, they offer protection from the outside elements. They also are generally dark and quiet, something critters enjoy.
- Check for signs of critters. Listen for noises. Look for droppings or urine stains and for damage such as chewed wood or ripped ventilation ducts. If you suspect that there are animals, take steps to remove them safely. Your local wildlife organization or a professional exterminator are good resources.
- Seal entry points. Animals enter your attic through small openings. The easiest way to check is to look during daylight, and see the places where light is coming in. Common spots are by attic vents, and openings in your roof soffits or eaves. Take steps to seal those openings. For attic vents, put a screen to cover the entire vent using ½ inch mesh. Use gutter guards on your roof to keep critters from settling there.
- Install chimney covers. These mesh screens allow airflow while blocking access to birds, squirrels, bats and other animals. In addition, make sure your chimney damper is properly closed when you’re not using your fireplace.
Steps to Take Inside
Your home is a warm, comfortable sanctuary for you, but it can also be an inviting retreat for unwelcome critters. With countless hiding spots, from behind your walls to under your cabinets, pests can easily find cozy nooks. The key to keeping them out is vigilance and preparation.
- Inspect every room. Conduct a room-by-room inspection to identify potential entry points. Focus on areas where gaps might exist along your floors, under cabinets, or around doors. Pay close attention to places where wires, pipes, or vents penetrate walls; even a tiny ¼-inch gap is enough for a mouse to slip through. Use caulk or sealant to close these gaps and consider plugging larger holes with steel wool, as rodents find it difficult to chew through.
- Secure doors and windows. Install or upgrade weather stripping around your doors and windows to seal off any openings. For exterior doors, consider adding a sweep or brush strip to block even the smallest gaps at the bottom. These simple steps help keep pests—and drafts—out.
- Examine vents and exhausts. Check your dryer vent, stove exhaust vent, and other external openings. Birds and small animals often see these as perfect nesting spots. Install vent covers or screens to prevent intrusions while maintaining proper airflow.
- Store food properly. Avoid leaving food out in the open, including pet food. Store all pantry items in sealed, airtight containers. This not only deters pests but also keeps your food fresher for longer.
- Try natural deterrents. Use the power of scent to repel pests naturally. Peppermint oil, for instance, is a proven deterrent for mice. Soak cotton balls in essential oil and place them near suspected entry points or in areas prone to critter activity. Replace them regularly to maintain their potency.
Your home is your greatest investment. Keep up with winter home maintenance and protect your home with the right insurance for added peace of mind.
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.
by California Casualty | Health, Helpful Tips |
It’s easy to exercise in the spring and fall when the weather beckons you to come outside. It may take a bit more inspiration in the winter, but it’s worth it.
Getting outside in cold weather connects you with nature, lifts your mood, and gives you a beneficial dose of sunlight/vitamin D. It also boosts your immunity during cold and flu season. With no heat and humidity, you might even be inspired to work out longer.
However, there is a way to do it safely. Follow these winter fitness tips for the basics of exercising in cold weather.
Choose the right fabrics.
When you’re wet, you lose body heat and that makes you feel cold. The colder you are, the less likely you’ll want to work out. In addition, cold can put you at risk for frostbite or hypothermia. Avoid active wear made from cotton, which holds in moisture from sweat and rain/snow. Instead choose synthetic fibers like polyester, nylon, and polypropylene. They dry quickly and wick away moisture.
Layer your clothes.
Use layers to trap warm air next to your body. Start with a thin base layer of synthetic fabric, which will keep sweat away from your skin. Then add a middle layer such as a fleece. Your outer layer should be either a lightweight nylon windbreaker or if it’s cold, a heavyweight waterproof jacket. As you exercise and get warmer, remove a layer, and tie it around your waist. That will help you from getting hot and sweaty which can lead to feeling damp and cold.
Pro Tip: Wear bright colors. Visibility is more limited in winter from rain, snow, fog, or dark skies. Be seen by the people and vehicles in your immediate area.
Protect your hands and feet.
In cold weather, blood is circulated to the core of your body, leaving less heat funneled to your extremities – your fingers, ears, nose, and toes. That means these areas are less warm. To counter that effect, wear a hat or headband, gloves or mittens, and thick socks. Choose materials like wool or synthetic as cotton could get wet. If your toes get cold, consider your shoes. Running shoes are designed to let heat escape. You can buy shoe covers at skiing and hiking stores. There also are specialty running sneakers designed for winter.
Protect your skin.
Winter isn’t just cold; it’s dry, and that can affect your skin. Apply moisturizer or lotion regularly. When you’re going to be outdoors, also apply sunscreen. SPF rays can damage your skin even when it’s cloudy. Snow reflects up to 80 percent of UV rays, so you get doubly exposed. UV rays also increase with elevation. Every 1,000 meters (3,281 ft.) in altitude, UV radiation increases by 10 percent.
Make sure you have traction.
When you’re exercising on icy surfaces, it’s easy to slip. That can lead to injury. Make sure that you have footwear with good traction and stay on plowed surfaces or salted ones. Take care to remove ice from your own property. If you will be primarily on the ice and snow, consider adding snow or ice spikes to your footwear. Just note that while those spikes help on icy surfaces, they can affect your balance on dry ones.
Take the time to warm up.
It’s especially important to warm up for an exercise routine in cold weather. You want to
Increase your blood flow and temperature so you’re not at risk for sprains and strains. A good analogy is what happens when you stretch a cold rubber band. It can snap more easily than a warm one. That’s what could happen to your muscles. For your warm-up, choose low intensity moves that are like those in your workout. Lunges, squats, and arm swings, for example, are good for runners.
Pro Tip: Head into the wind at the beginning of your workout. When you’re on your way back and feeling sweaty, you won’t have to fight the wind chill as much. That will help keep you warmer.
Pay attention to your breathing.
Cold weather causes your airway passages to narrow. That’s why it can hurt to breathe when you’re exercising in cold weather. Breathing through your nose can help but isn’t always possible when you’re moving intensely. Try wrapping a scarf or some thin fabric around your mouth. It will help keep in the humidity.
Hydrate.
You may not feel as thirsty during cold weather workouts. However, you’re still losing fluids. Dehydration carries risks, including headaches and a drop in energy. Sip water while you’re exercising. If you’re going to be exercising for more than 90 minutes, choose a sports drink like Gatorade.
Cool down. Change clothes.
You can get chilled fast after a workout. Take the time to cool down, which helps reduce later muscle soreness. It also helps your heart transition from an exercise pace to a normal rhythm. Then get out of your damp clothes. Take a warm shower and change into clean, dry clothes.
Avoid severe weather.
While cold weather workouts are beneficial, there’s a limit to when you should exercise outside. Avoid the extreme cold. Don’t exercise outdoors during winter storms. Prolonged exposure to the cold can cause frostbite and hypothermia. The cold also can put a strain on your heart. If you have a chronic health condition such as asthma or a heart problem, talk to your doctor about whether cold weather exercise is right for you.
Know the signs of hypothermia.
Finally, be aware of the signs of hypothermia. That’s when your body temperature drops too low and affects other systems in your body. If you experience any of these signs, get medical help right away.
- Shivering
- Lack of coordination
- Slow reactions
- Slurred speech
- Mental confusion
- Exhaustion or sleepiness
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.
by California Casualty | Educators, Firefighters, Health, Nurses, Peace Officers |
If the winter months get you down, you’re not alone. Seasonal Affective Disorder (SAD) affects millions of people, and it’s more than just the winter blues. It can affect your mental and physical health.
Here’s what you need to know about SAD, including how to recognize signs and symptoms, some available treatments, and how to help those around you if you think they suffer from this condition.
What is SAD?
Seasonal Affective Disorder is a type of depression. It is more than feeling sad or unhappy, and it is not a condition that can be wished away. Symptoms start in the late fall and continue into the winter months. They are most severe during December, January, and February. Generally, SAD resolves itself during the light-filled days of spring. (There also is a form of summer SAD, thought to be caused by the heat, humidity, and allergies. Summer SAD is much less common.) SAD usually starts in adulthood. It is rare among people who are under age 20. It is more common among women than men.
What causes SAD?
The exact cause is not known, but it is thought that SAD is linked to reduced exposure to sunlight. Light stimulates the hormone, serotonin, in our brain which makes us feel happy. Increased darkness on the other hand prompts the brain to make more melatonin, causing sleepiness and reduced energy.
What are the signs of SAD?
SAD can affect how you feel, think, and behave. The symptoms are persistent and can be severe. While not every person experiences all the symptoms, here are some common ones for winter SAD.
- Losing interest in activities: If the activities that usually interest you lose their appeal, that’s a symptom of a low mood or depression.
- Low energy and sluggishness: You may find it difficult to muster the energy to do the most basic tasks. You might experience extreme fatigue.
- Sleeping too much: You find yourself sleeping more than usual, and you have difficulty waking up. You may experience daytime drowsiness.
- Appetite changes: You crave the mood and energy boosting comfort of carbs. However, overloading on carbs can lead to weight gain.
- Difficulty concentrating: You may be unable to focus and have trouble thinking clearly.
- Negative thinking: You may feel hopeless, worthless, or even suicidal. You might be anxious and irritable.
What are options for treatment?
Without treatment, SAD can last months. However, most people who seek help can see improvement in a matter of weeks. The symptoms of SAD may look like other mental health conditions, so it’s important to get a diagnosis. A doctor or mental health professional can diagnose SAD and offer options for treatment. Treatments may include:
- Light therapy: This involves sitting in front of a special light in a lightbox or panel for a specific amount of time each day.
- Sunlight exposure: Spending more time outside during daylight hours can help. Consider a daily walk or outdoor exercise.
- Psychotherapy: Talk therapy can help you to understand SAD and manage its symptoms from anxiety to depression.
- Medications: ln some cases, antidepressants may be prescribed to correct the chemical imbalance caused by SAD.
Here are some ways to help prevent SAD.
You can take steps to prepare for winter SAD, which may help to reduce its effects.
- It may be tempting to go into hibernation mode when it starts to become dark early. However, that can perpetuate the feelings of depression. Instead, plan activities to stay social. This will help to boost your mood.
- Exercise regularly. If you can exercise in the sunlight, that’s a double boost.
- Eat a healthy balanced diet. If you’re tempted by carbs for a quick energy boost, go for complex carbohydrates instead. For example, choose whole grain breads and fruits over sweets and chips.
- Maintain a consistent sleep routine. Avoid excessive amounts of caffeine and alcohol, especially before bed.
Finally, seek professional help if your symptoms persist. SAD is treatable, and fortunately, does not last forever.
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.
