Social Media Security for the Holidays

VacationSM2Social media is a great way to stay in touch with friends and family from all over the world, but privacy settings only go so far to limit what people can see and learn about you. Although this is not a new topic, we just want to remind our friends, clients and families to please be careful with the information that you share on your social networks.

According to AAA, over 46 million Americans will be traveling over this holiday season. Don’t make your home a target for break-ins by sharing details about your travel plans on your social networks, as your family and friends might not be the only ones watching. Avoid accepting friend requests and connections from people you don’t know, and make sure your privacy settings are set correctly for your security.

If you are leaving town, boost your home security by letting friends and neighbors know where you will be and ask them to keep an eye out on your house. Make arrangements for someone to pick up your mail while you are away or ask the post office to hold delivery for the time that you are expecting to be away. Prevent easy entry to your home by making sure all your doors are locked and your windows are secured. If you are traveling with your smartphone, make sure you disable “geotags” on the applications you use so that information about your real-time location doesn’t get shared publicly.

Holidays are special times to be with friends and family, and photos are a great way to record and preserve those memories of time together – but we suggest you wait until you get home to post those pictures!

Our Team at the Bieritz Agency wishes you all a Happy and Safe Holiday Season!

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A Deer in Your Headlights

A note to all of our Bieritz Agency clients and friends:

During the months of November and December our local populations of deer are migrating and mating, resulting in a dramatic increase of movement.  More deer collisions occur during these months than at any other time of year, so we urge drivers to be especially careful, particularly in the early morning and evening hours (times when many people are commuting to and from work).

Deer collisions can cause a great deal of damage and can also be lethal.  A “heavy” deer might weigh over 200 pounds, but even an eighty-pound yearling is capable of totaling a vehicle traveling at high speed.  According to New York Outdoor News, motorists hit over 80,000 white-tailed deer on New York roadways each year (the third highest rate of reported incidents in the U.S.), almost 20% of which happen during the month of November.

Deer tend to stick to certain major travel corridors, which they adjust seasonally to match their movements to food availability and other habitat needs.  Deer warning road signs often indicate areas where deer are often sighted or where multiple collisions have occurred.  A collision can be a car hitting a deer or a deer hitting a car.  Most people are aware that  when you see one deer, there is usually another.  This holds up not only when there are young fawns in early summer, but also during breeding season where bucks follow does or in later winter months when groups of males form “bachelor groups”.

Traveling at slower speeds increases your reaction time if a deer leaps out in front of your vehicle.  Scan the roadsides and watch for eyeshine in your headlights (only visible if the deer looks directly at your car).  Use high beams if there is no oncoming traffic and low beams if it is foggy or snowing.  If you see and successfully avoid deer, flash your lights at oncoming vehicles to warn them of a hazard ahead, and watch the behavior of cars around you as well – a car slowing suddenly could indicate a deer in the area.  Make sure your headlights, brakes and tires are all in good shape.  It is recommended to hit your brakes to try to stop and not swerve to try to avoid a collision.  Swerving out of the travel lane increases the risk of hitting another vehicle or losing control of the car.

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Because most of our local country roads intersect with wildlife habitat, our drivers have a greater chance of collision, so please keep in mind the above tips to help minimize your risk.  Damage caused by an accident with deer or other animals is covered under the optional comprehensive portion (not the collision portion) of an automobile insurance policy. If you would like to check your coverage, please give us a call at our Cooperstown, NY office at (607) 547-2951 and our Bieritz Insurance Agency staff will be happy to help you.  Safe driving to all from the Bieritz Team!

 

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Replacing your Smoke Detector Batteries

Bieritz Insurance Reminds Residents to Replace their Smoke Detector Batteries
smoke detector2COOPERSTOWN, NY (10/03/14): Bieritz Insurance Agency, a local business providing full spectrum insurance products and services, is reminding area residents to replace their batteries on smoke detection devices in their home.

According to the National Fire Protection Association, three out of five home fire deaths result from fires in properties without working smoke alarms, and the risk of dying in a home fire is cut in half in homes with working smoke alarms.  There is no doubt that smoke alarms save lives. To help keep your family safe, stop in at the Bieritz Insurance Agency during the month of October and pick up a free 9v replacement battery for your smoke detector (while supplies last).

Typically, smoke detectors should be tested monthly and if they do not have a lithium 10-year (long life) battery, their 9v alkaline batteries should be replaced once each year.  Smoke alarms that are hardwired into a home’s electrical system will usually have a back-up battery that needs to be replaced each year as well.  In addition to changing your batteries, any smoke detector unit should be replaced every ten years.


Bieritz Insurance Agency, 209 Main Street, Cooperstown, NY

CoverPhotoBieritz Insurance Agency Inc. is a local Independent insurance agency that represents over 20 companies. Bieritz Agency has served the community as the only locally-owned and operated, independent agency for over 24 years.  Bieritz provides quality service, excellent prices and products that are in the client’s best interest!  Free quotes are available through both Cooperstown and Morris offices.  Contact Bieritz at (607)547-2951.

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What We Sell

Bieritz Agency offers a multitude of  insurance products, many of which you might not be aware of.  We created the attached flyer to let you know about the breadth of services we offer.  Our team is always happy to help you with a quote – contact us today!

For a printable version in pdf format, click the image below!

 

BieritzFlyer-WhatWeSell

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Why Shop Around for Insurance?

A client-contributed article from Susan O’Handley

I have been working with the Bieritz Agency over the last few years as a consultant for website and marketing support services. On occasion, I would receive a gentle reminder from Steve to consider switching to Bieritz, or at the very least letting them provide a quote for us.  Although I had meant to do this (I believe in supporting local businesses and my clients whenever possible), insurance is one of those things that’s easy to push off to a later date, and when our policies came up for renewal, we just renewed them and forgot all about switching.

moneyUntil recently.  On the heels of another gentle reminder (never a high pressure push), I decided to just go ahead and send our current policies over for a comparable quote.  I am very glad I did!  To begin with, we ended up saving close to $250 on our auto insurance policy with the same coverage – so we are already ahead.

Information that came back to us on our homeowners policy came as a bit of a surprise.  After reviewing our policy, we learned that we were underinsured for the replacement value for our home and were also paying extra money for a low deductible option.  Beth Spence, the Bieritz Agency Manager,  provided us with several options, all of which gave us better coverage and terms for literally a few extra dollars.

When we purchased our home as first-time buyers over 10 years ago, we never gave the insurance a second thought.  I don’t recall shopping around for quotes at that time (closing on your first home is what I consider a whirlwind experience), and since it is tied into our mortgage payment, it was something that just automatically renewed each year – never really needing attention.  I assumed that the coverage was complete and that it continued to meet our needs.

Thankfully, we have never had a claim on either policy (knock on wood), but I am glad that we found out about our home policy now instead of being surprised in a time of need by having too little coverage.  I encourage friends and neighbors to review your insurance policies and send them over to Bieritz for review!  Even if you don’t wish to switch companies/brokers, take the time to review your policy with your family and agent. Like us, you might find yourself in for a surprise.

The Bieritz team lives up to their reputation of first-class customer service, with responsive and helpful interactions – they are indeed ‘Your Hometown Insurance Specialists’! Give them a call today and see if they can assist you with your policies.

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What Determines the Price of My Auto Insurance Policy?

The cost of Auto Insurance can be affected by a number of different factors.  Check out the full article at the link below and give us a call if we can help you with your policy!

The average yearly auto insurance premium is almost $800, but there is wide variation around this average. Many factors can affect your premium. Not all companies use all of these factors, and some might use factors not listed here…

Read the Full Article Here from the Insurance Information Institute

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Insuring Your Summer Toys

boatlakeAfter a long winter, we bet you are more than ready for summer and all of the things you can do to take advantage of the warmer weather.  The pool is open and your boat or jetski is in the water, all ready to enjoy for the season.  Think for a moment and consider your insurance.  Are you prepared for the possibility of an accident?

Summer ‘ toys’ can include an RV (recreational vehicle) for your summer travel or an ATV (all terrain vehicle), a PWC (personal watercraft) like a jet ski or waverunner or boat, or even things like a golf cart, a motorcycle, a trampoline, swingset, pool, and even a bicycle.  Insurance helps to protect you from the risks associated with injuries and damages when using these items.

The first step is to review the types of insurance available for your summer recreation toys.  Consider physical damage for your property as well as liability insurance.  Many policies include property damage to others and coverage that reimburses you or a guest for hospital or doctor bills.

traditional-poolFor property damage, estimate the value of each item and how much you would lose without insurance.  For items like an RV or a boat, this can be a considerable loss.  You can choose a high liability limit and add an umbrella policy to your coverage. For liability, you can add extra coverage to your homeowner’s policy or include summer items on an umbrella policy to extend your liability coverage.  Each carrier is different with what summer toys can be included, so be sure to check to make sure each addition is allowed.

trampolineFor items that carry significant risks, like trampolines, check with your carrier to make sure this coverage is allowed or included on your homeowner’s policy.  Some carriers prefer not to absorb the risks associated with trampolines and may cancel or decline to renew your policy if they learn you have one on your property.

Insurance helps to protect you in the event of an accident, but your first line of protection is to always take safety precautions when operating your summer toys.  Taking measures to preventing accidents helps keep your premiums low by minimizing the number of claims you need to make.  Insurance protects your purchase, yourself and your guests as well.

Please contact our office to further discuss your insurance needs.  Have a wonderful and safe summer and enjoy those toys!

 

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National Safety Month – Summer Safety

2014 GraphicJune is National Safety Month, so our team has decided to provide resources from the National Safety Council to help improve some general safety practices for all our friends and clients.

This week, we are featuring information and resources about summer safety.

Everyone enjoys a little bit of summer fun, but it’s always important to monitor the weather conditions in extreme heat—especially if you plan on being outside.

Read the Summer Safety Tip Sheet Here

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National Safety Month – Distracted Driving

2014 GraphicJune is National Safety Month, so our team has decided to provide resources from the National Safety Council to help improve some general safety practices for all our friends and clients.

This week, we are featuring information and resources about distracted driving.

Using a cell phone while driving makes it four times as likely that you’ll crash – while using handheld or hands-free devices.

View Facts about Distracted Driving Here

The Great Multitasking Lie infographic
Provided by The National Safety Council

 

Employers have realized the dangers of cell phone use while driving and are taking action by passing policies to prevent cell phone distracted driving. The National Safety Council recommends policies prohibit both hands-free and handheld devices and apply to all employees. 

EMPLOYERS:  Download a Cell Phone Policy Kit from the National Safety Council HERE

This free kit helps employers reduce crash risk. It has all the materials you need to:

  • Build leadership support in your organization for a cell phone policy
  • Communicate to employees the crash risks and the need for a policy

Driving Down Distraction infographic
Provided by The National Safety Council

Visit us next week for information about Summer Safety!

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National Safety Month – Be Aware of Your Surroundings

2014 GraphicJune is National Safety Month, so our team has decided to provide resources from the National Safety Council to help improve some general safety practices for all our friends and clients.

This week, we are featuring information and resources about being aware of your surroundings.

Today, there are always multiple things vying for your attention. However, a lack of focus on the task at hand can lead to tragedy, especially in riskier situations…

View the information sheet HERE.

Visit us next week for information about the myths of distracted driving!

 

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National Safety Month – Slips, Trips and Falls

2014 GraphicJune is National Safety Month, so our team has decided to provide resources from the National Safety Council to help improve some general safety practices for all our friends and clients.

This week, we are featuring information and resources about Slips, Trips and Falls.

Falls are one of the leading causes of unintentional injuries in the United States, accounting for approximately 8.9 million visits to the emergency department annually (NSC Injury Facts 2011).

Adults 55 and older are more prone to becoming victims of falls, and the resulting injuries can diminish the ability to lead active, independent lives. The number of fall deaths among those 65 and older is four times the number of fall deaths among all other age groups.

Please take a few moments to review the information below.

Slips, Trips and Falls Information

Slips, Trips and Falls Fact Sheet

Fall Proofing Your Home – Checklist

Visit us next week for information about being aware of your surroundings (and potential hazards) in the workplace and at home!

 

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May is Motorcycle Safety Awareness Month

ShareTheRoad_LogoIn recognition of May as Motorcycle Safety Awareness Month, Bieritz Insurance Agency would like to reach out to all of our Otsego County motorists and motorcyclists alike, encouraging them to “share the road” in order to reduce motorcycle deaths and injuries. Motorcycles are among the smallest and most vulnerable vehicles on the road, putting riders at greater risk of death and serious injury in a crash. In fact, according to the Department of Transportation’s National Highway Traffic Safety Administration (NHTSA), motorcyclists are 30 times more likely than occupants of cars to die in a crash, and 5 times more likely to be injured.

The latest statistics from NHTSA display this tragedy in stark numbers. Motorcycle deaths have increased every year for 14 of the past 15 years, except in 2009, which saw a decline. In 2012, 4,957 motorcyclists died on America’s roads, accounting for 15 percent of total highway deaths. Motorcycle crash-related injuries also increased from 81,000 in 2011 to 93,000 in 2012.

One way we can decrease the number of fatalities and injuries, and make the roads safer is if we work together, motorists and motorcyclists alike. Adhering to the following rules will improve highway safety for everyone.

Drivers should:

  • Be on the lookout for motorcyclists at all times;
  • Signal all lane changes and turns, and constantly check mirrors and blind spots before proceeding;
  • Be fully focused on the task of driving and being in control of their vehicles at all times; and
  • Never drive impaired by alcohol or drugs.

 

Riders should:

  • Obey all traffic laws and be properly licensed;
  • Wear a DOT-compliant helmet and use reflective tape and gear to be more visible. (NHTSA estimates helmets saved the lives of 1,617 motorcyclists in 2011) and
  • Never ride while impaired or distracted.

Additional information about motorcycle safety can be found at www.nhtsa.gov/Safety/Motorcycles. Please join us in reaching out to other motorists and motorcyclists this month to encourage safe driving every day of the year.

Be safe!

Bieritz Insurance Agency
Cooperstown, NY – 607-547-2951
Morris, NY – 607-263-5170

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