Preventative Insurance; Preventative Measures

Having the right insurance can make all of the difference in the world for a family who finds themselves in the middle of a catastrophe.  Emergency planning for the family, having suitable insurance for damaged or lost items, and taking precautions against the most common form of house destruction—a house fire— are all vastly important safety precautions that every family should consider taking.

The first step for a family to take while striving to become prepared for any disaster is to ensure that they have suitable insurance coverage.  Whether the disaster in question affects the entire region, such as would happen when a natural disaster strikes, or the catastrophe is a more personalized disaster like a fire in the home; both will require suitable preparation beginning with insurance.

Purchasing home insurance can be one of the most difficult and frustrating tasks for a family to undertake.  The process of sorting through policy options and providers can be incredibly taxing as can dealing daily with harassing insurance salesmen.

And beyond these stressors there is a delicate balance that will need to be taken to ensure sufficient coverage to the home while being able to avoid overspending on monthly premiums.  With these and other concerns weighing on the family, most would not think of visiting their local Check City Utah location to help them with their home insurance needs.

When people think of Check City they usually do not think of insurance. They may think of our much recognized Payday loans or check cashing services but rarely do they hitch Check City and insurance together.

But Check City does provide independent insurance agents who will work with you by finding the right insurance coverage for your needs and coverage that will help to safeguard your family against any future disasters.  Additionally, our insurance agents are competent and friendly and will work with you as you begin your search for quality and affordable insurance for things beyond the home including auto, renter’s, RV or trailer, watercraft, motorcycle, and even small business commercial insurance.

Our insurance agents take the stress out of purchasing an insurance policy by working for you to find and compare insurance plans form multiple insurance companies. Their job is to find the right amount of coverage that will be suitable for your needs and at the best price possible. All you need to do is sit down with them and discuss exactly what you are looking for in an insurance plan and they will go to work finding a plan that fits your specifications.

There will be no hassling solicitation calls from insurance companies you have contacted through your efforts in searching for a policy because our agents will do all the necessary contacting and gathering of information. Additionally, there will be no effort on your part to shop around and compare coverage plans because we also will be in charge of that.

Our agents will highlight and illustrate they key differences between insurance providers and their insurance plans for you to ensure that you have all the information possible that will allow you to make an informed decision before spending money.  Choosing the right insurance agent can make a big difference in the quality of coverage you are presented with as well.

Some insurance agents take short cuts by providing template portfolios of previously gathered insurance plans that have no customization to the individual at all. At Check City, you can be assured that you are receiving a variety of options and choices on your insurance policies that will allow you to purchase the best possible insurance plan for you.

Armed with proper insurance, a family can begin to fully prepare against unseen disasters in the home.  The most common form of personal disaster involving the loss or damage of a home is the ignition of a fire in the home.

Even the smallest of kitchen fires can cause great and extensive damage to a person’s 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 family or individual hundreds and sometimes thousands of dollars.  The best way to ensure you are not one of the unfortunate homeowners who are affected financially by the damage incurred by fires is to prepare and plan ahead.

By making sufficient and quality preparations, a homeowner can be assured that they will not be shelling out their own money to repair and restore lost possessions.  As stated previously, perhaps the first and best way to be prepared for a fire in the home, or any other disaster, is with proper homeowners or property insurance.

At Check City we are capable and prepared to offer our insurance services to residence of Utah at competitive prices and with the coverage that will financially back up your possessions.  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 for home fire protection.

Beyond being well covered with insurance, the best way to prevent a fire within your home in the future 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 almost any hardware store and are the primary fire safety tool that will ensure your family’s personal safety in the event of a fire.  As a homeowner, you should install your smoke alarms on every level of your home, and, if possible, in multiple rooms per level.  Smoke alarms should be properly maintained by testing them monthly, cleaning and dusting them regularly, and replacing the batteries in them once a year.

A large amount of fires that begin in a home are ignited by misuse of electricity within the home.  One can prevent electrical fires in the home by using electrically 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.

Safety with respect to potential ignition points should be paramount when preventing a fire in the home.  By taking these and other known precautions, such as limiting the use of portable heaters, a family will be able to not only prevent fire damage but will be physically secure in the event of a devastating fire in the home by the proper use of smoke alarms.  Doing so and having suitable homeowners insurance will also literally pay you back by saving potentially hundreds of dollars on fire repair costs.

But often times disasters can strike without warning and can have catastrophic results.  When an unseen emergency takes place the time for a family to prepare has passed and the time for action is at hand.

For those families who are prepared with home insurance and who have planned out an action plan to be followed by their family members, a sudden disaster or emergency does not need to be an overwhelming event.  But for those families who do not have a sufficient action plan in place for their family members, an emergency situation can be as chaotic as it is dangerous.

When first planning for a disaster or emergency action plan, a family should consider that most often they are not in their homes when a disaster strikes. Therefore the first step in an appropriate action plan will be to list out all the regularly attended locations that each family member will most likely be in when confronted with an emergency or disaster.

These commonly attended locations often include a place of work, school, religious worship, shopping centers, recreational locations and even places such as one’s own vehicle or public transportation services like buses or trains.  Once a family has listed out the possible locations where they may be at the onset of a disaster or emergency they can begin to plan out what each family member should do to better protect themselves in each of these locations.

Often, public places such as schools or businesses including shopping centers will have their own emergency action plans in place.  It will be beneficial for a family find out what these specific emergency action plans are of the places they frequent and educate themselves on what to expect should a disaster strike while at these locations.

Once those plans are in place a family can begin to make additional preparations for those emergencies that can be weathered from within their homes.  One should include in this type of preparation an emergency kit that may have things such as water and food, clothing, communication tools and other survival gear such as matches and a flash light.

Preparations by families against all forms of disaster, including one of the most frequent disasters of a fire in the home, will enable the safety of that family should such disasters strike.  While having suitable and affordable insurance will enable a family to have their personal possessions secured if any disaster should befall the home.

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