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Important Tips to Help Prevent Fires in Your Home

Even the smallest of kitchen fires can cause great and extensive damage to a home. Flame and smoke quickly eat and decay a structure’s materials and cause severe personal property damage. Recovering from such a disaster can cost a fortune! The best way to ensure you are not one of the unfortunate homeowners who are affected by the damage incurred by fires is to prepare and plan ahead. Above all of that, fires can be very scary and life threatening. Protecting you and your family from fires is something that should not be taken lightly. It is important that the homeowner is making sufficient and quality preparations. Here are some tips on how to successfully prevent, and prepare, for a house fire:

Proper Insurance

One of the best ways to be prepared for such a disaster is with proper homeowners or property insurance. At Check City we are capable and prepared to offer our insurance services at competitive prices and with great options. Come in to our store locations and talk with an Insure Utah representative to explore our homeowner’s insurance policies and find an insurance plan that will best suit your needs. Visit one of our locations and call on the red phone in the lobby, or call now and get a quote!

Fire Prevention in the Kitchen

The kitchen is a place of fun and laughter in many homes because it is where a family usually gathers together to cook, chat, and eat. In many families, since eating is something that must be done multiple times in a day, the kitchen is the most popular room in the house. The kitchen is also where the largest number of home fires begin. It is very important to help prevent kitchen fires by turning off the stove or oven any time you have to leave the kitchen and turn it back on when you return. Keep anything flammable away from heat sources and open flames, and remember to keep your cooking surfaces clean. By doing this, you will help your home fire safety!

Smoke Alarms

Beyond being well covered with insurance, and keeping the kitchen a fire free room, an extremely important way to prevent fires in your home is by implementing proper preparations and preventative measures in your home now. The initial and crucial preparation that should be taken by families is to install and maintain working smoke alarms. These can be purchased at any hardware store and are the primary fire safety precaution that will ensure your families personal safety in the event of a fire. Install your smoke alarms properly throughout your home. Smoke alarms should be properly maintained by testing, cleaning and dusting it regularly and replacing the batteries. Smoke alarms are crucial to your home fire safety.

Proper Electricity Usage

A large amount of fires that begin in a home are ignited by misuse of electricity within the home. Prevent electrical fires by using electrical outlets responsibly by not overloading their circuits. Electrical fires can also be avoided by the correct use of appliances within the home. When appliances malfunction and are in danger of causing an electrical fire there will often be warning signs that accompany those malfunctions. These warning signs can include unusual smells emanating from the appliance caused by irregular overheating and sparks from the electrical source of an appliance. If these warning signs occur the appliance should be immediately switched off, unplugged and repaired or replaced.

By taking these and other known precautions, a family will be able to not only help prevent and restore fire damage but will be physically secure in the event of a devastating fire in the home. We hope you have enjoyed our tips to help prevent fires in your home. Be safe, and have a good day!

Why You Should Have Good Dental Hygiene

When people think of oral care they typically think of preventing bad breath or having brilliantly white teeth. We have all been told to brush, floss and use mouthwash for a healthy mouth. However, many people may not realize how vital our dental health is to our body’s overall health. Recent studies have shown that oral and dental problems can contribute to many health problems, including diabetes, heart disease and even a stroke.

The human mouth is the portal through which the majority of known diseases enter our bodies. The cleanliness of an individual’s mouth can be directly linked to that persons overall health. It is important in so many ways to have good dental hygiene.


Cavities are the most commonly known dental problems for people of all ages. Untreated cavitieis can cause pain and are not good for our dental health. However, socioeconomic issues can contribute to whether dental care is received in a timely manner.

From the years of 1999 to 2004 over 59% of children ages 12 to 19 had signs of tooth decay present on their permanent teeth. Cavities have affected millions of Americans but are generally preventable by practicing traditional dental care such as brushing one’s teeth and flossing. It is very important to floss and brush your teeth properly. If you don’t know how, seek a professional to help teach you how to properly brush your teeth, and how to floss your teeth. Start practicing good dental hygiene today, and prevent cavities.

Periodontal Disease

Periodontal disease of the gums also affects millions of Americans. The disease is caused by bacteria under the gums. The bacteria begins to destroy the bone and gums and eventually the teeth become loose, making chewing difficult. The teeth may need to be extracted.

Recently periodontal disease has been linked to inflammation in other parts of the body, causing damage to organs and extremities. Some studies suggest that this inflammation can be linked to such diseases as diabetes, strokes, heart disease and even birth issues.

Good Oral Health

Oral health is often taken for granted, but it is an essential part of our everyday lives. Good oral health enhances our ability to do many things. For example it enhances the way we speak, smile, smell, taste, touch, chew, swallow, and even the way we convey our feelings and emotions through facial expressions. However, oral diseases cause pain and disability for millions of Americans each year. It is important to get professional help with your teeth regularly to prevent these diseases. Have a professional teach you how to brush your teeth and how to floss your teeth.

The good news is that most diseases are preventable. With a few common habits, you can keep your teeth in good order and your health from declining due to oral issues. In addition to a sense of well-being, good oral health affects your pocket book.

Start practicing good dental hygiene today! Thanks for reading.

Purchasing Flood Insurance? 6 Great Tips

If a hurricane hit your hometown tomorrow or a dam broke and flooded your house, would you know what to do? Do you have flood insurance? Do you know what flood insurance covers? Be prepared for an emergency by learning more about flood insurance and why it is important. Here are 6 great tips to consider when purchasing flood insurance and why it’s a good idea.

1. Water Causes Expensive Damage

A tiny bit of water can cause a tremendous amount of damage. Water can ruin paint on your walls and carpet on your floor. It can damage your electrical wiring, destroy your clothes, and wreck your furniture. If it is not completely ruined in the initial flood, then it can very easily be ruined in the days after when the mold and mildew start to develop.

2. Is Flood Insurance in my Normal Policy?

Your traditional homeowner’s policy probably doesn’t include flood insurance. The same is true for the standard commercial property insurance policy. If you don’t want to get stuck with the enormous financial burden of correcting flood damage, make sure you also have flood insurance.

3. Flood Insurance May Be a Requirement

If you don’t own your property, your bank could require you to carry flood insurance (especially if you live in a high-risk area). An investor doesn’t want to risk losing a property to flooding. Many lenders will make flood insurance a mandatory condition.

4. What Does Flood Insurance Cover?

Flood insurance usually covers up to $250,000 for the home itself and up to $100,000 for the contents inside. The cost of flood insurance is often times much cheaper than paying out of pocket. However, make sure you understand the details of your policy. Flood insurance usually does not cover the following:

  • Flood insurance doesn’t cover water coming from inside your home. If your pipes freeze and burst or your sink overflows, flood insurance won’t cover the damage. This type of damage is usually covered in a homeowner’s insurance policy. Check yours to make sure you are protected.
  • Flood insurance doesn’t cover damage to swimming pools or landscaping.
  • Flood insurance won’t cover the extra living expenses that you incur due to flood damage. Don’t expect your hotel room to be paid for.
  • Flood insurance usually doesn’t cover items below ground areas. If you have clothing, computers, televisions, or other furniture in the basement of your home, it may not be protected by your insurance policy.

5. Flood Insurance Going Into Effect

Flood insurance usually takes 30 days to go into effect. That means if you buy insurance today and a flood hits next week, your policy won’t cover the damage. This is why it is important to invest in flood insurance as soon as possible. When you are looking into purchasing flood insurance, make sure you do your research and you are paying the appropriate amount.

6. Be Prepared

You should be prepared for a flood no matter where you live. You may be able to get a lower rate if you live in a low-risk area. Don’t risk forking over thousands of dollars to repair damage to your home. Be prepared with flood insurance. You never want to be in a situation where your home and possessions are ruined without being covered. Affordable flood insurance will grant you peace of mind as you are going about your life, because you will always be prepared when a flood happens.

Thank you for reading! We hope you have learned some tips on purchasing flood insurance.

Knowing about Luxury Spending

Budgeting is something that everyone should do. It allows you to be able to track the way that you spend your money, as well as seeing how much there is to spend in the first place. It is a fairly simple process, and it is one that you can do in an evening if you sit down and work on it with the important people in your life.

To begin with, gather a basic list of income and expenditures using bank statements or receipts. Once you know how much how much money comes in during a given month, then you can plan out how you are going to spend the money. The first thing that needs to be taken care of is the mandatory expenditures. These include bills, car payments, gas, insurance, clothing, and food.

Once you have identified the mandatory things in your life that you need to take care of, then you can work with the rest of the money. The money that is left over after taking care of the essentials is what is going to be put toward savings and luxury spending.

With this money, you do buy the things that we all like,such as entertainment and extra clothing and other consumables. This is not really ever essential in order to survive,but instead gives us pleasure. Luxury spending is fine- as long as you have taken care of the essentials first.

The most important part of budgeting is being able to take care of the crucial things first, and then be able to monitor the spending after that. Ideally, people should be making an effort to stay within their means each month, by staying within the financial limit that their income gives them. If there are any areas that need to be tweaked, then it can be done to focus on more important things.

By doing this, you can quickly get your finances in order and have more peace of mind regarding your spending.

Why is Auto Insurance so Important?

One of the services we are able to offer to our customers is providing auto insurance through Insure Utah. We strive to make our financial services a complete suite which will help out any person who comes into one of our locations. Auto insurance is unique because it is mandatory in order for people to drive.

So why is auto insurance so important, to the point where it is a law?

Auto insurance protects everyone who is on the road. When it all comes down to it, there are a lot of variable all moving around at once on the road. It may be weird to think about, but every car is a roughly a ton of weight moving at high speed, with a person in charge of it. We are all human, and despite our best efforts mistakes happen every day.

Auto insurance protects drivers by insuring their car and helping with whatever costs might arise due to what happens on the road. This can cover human mistakes which lead to accidents, or it can cover a windshield which randomly takes a small rock head-on and chips. There are so many things which could possibly affect a car or the person behind the wheel that coverage needs to happen.

We all need to be protected and know that everyone else on the road is as well. When everyone has a stake in the experience, it makes it so that driving is safer and more effective. And should something happen, we all can rest easy knowing that our insurance will help to take care of the costs and the paperwork.

By having auto insurance from a good provider, you can be covered and protected while on the road. Check City is there to provide you with anything that you need! Stop by any location, and let our friendly and knowledgeable staff take care of you and your needs.


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