Keep your pets safe on Halloween

You’ve hung the ghosts and skeletons, finished your Halloween costume, stocked up with about a metric ton of candies and gave your home over to jack-o-lanterns – you’re almost ready for Halloween. The only thing left to do is making sure the night goes smoothly for you furry little friends as well. Here’s our essential checklist for a fun and safe Halloween for your furry friends.

  1. Keep all sweets out of the reach of your pets. It’s not only the plastic wrappers that can cause serious medical problems if swallowed, but the sweets themselves as well. Chocolate for example can be extremely toxic, even deadly, to animals.
  2. Curios, excited or scared animals and open flames are not a combination you want to try. Keep all candles (including jack-o-lanterns) away from your pets, as they might accidentally knock them over. While Resident Shield has you covered in case of fire, be sure you take all precautions to avoid a calamity.
  3. If your dog has a habit of chewing on new things, put new decorations are out of his reach and don’t buy anything he could easily swallow.
  4. Hanging skeletons and ghosts sure creates the right mood for a night of spook, but be sure you pose them in a place where Captain Fluffington can’t hunt them down (and knock your prized heirloom vase off the mantelpiece).
  5. While it would definitely look adorable to wear matching or complementary outfits with your pet, don’t get carried away. Some animals don’t have a problem with wearing clothes and some even enjoy them. Others however, react poorly. Consider your pet’s disposition well before you him into a cape or make him wear a wig.
  6. If your pet handles costumes well and you plan on going trick-or-treating with them, make sure the costume doesn’t hinder their movements, as that might make them anxious. Make sure the costume provides plenty of protection against the elements too, as All Hallow’s Eve tends to be quite cold in some areas. Don’t forget to put your pet on a solid leash, not a retractable one, for both your safety.
  7. No matter how friendly your pet is, all the ruckus of Halloween (doorbells ringing non-stops, kids screaming and running, pranks) can be overwhelming to them. Although Resident Shield’s personal liability coverage includes liability provision for dog bites, it’s better to confine Scruffy to a bedroom until the activity subsides. If he wouldn’t handle that well, at least make sure that he’s nowhere near the door. You really don’t want Scruffy to get a bad reputation in your apartment community for biting a preschooler princess or firefighter.
  8. No matter how many precautions you take, with the door constantly opening, there is a chance your pet will get loose. Make sure all your pets are wearing an adequately tight collar with accurate and easily understandable contact information. If you want to be extra safe, consider getting an ID chip implant. Should the SPCA or animal control find them, it will only take seconds for them to identify you as the owner and return them home.

Protecting your personal property and identity

For personal property protection and liability coverage in cases of fire, weather damage, robbery and more ResidentShield Renters Insurance has you covered, but more and more we are seeing the importance of protecting yourself against identity theft. Now more than ever, renters must be aware of potential access points to their information in the real world and online.

watch for password theft

According to PrivacyRights.org, identity theft affects more than 8 million Americans. While that number is woefully high, fraudulent activities have decreased since their record high of 55.7 billion worldwide in 2006. Much of the decline can be attributed to institutions’ and businesses’ increased security investments to protect clients. The wise actions of residents also contribute to a significant portion of the decline.

There are a few simple things that you can do to protect your identity at home, on the internet and in your neighborhood:

  • Shred unwanted financial and personal documents instead of simply placing them in the trash.
  • Completely clear cookies, history, and all system caches on public computers after use.
  • Never access online banking on public computers. Technology exists to let remote users view your screen and any information that your type into a field whiles you’re online.
  • If you do not plan to buy a home, car, or other large investment in the near future, consider freezing your credit. This prevents the unauthorized opening of additional lines of credit in your name.
  • While on the web, don’t bother with “You’ve Won…” banners. No one wants to give you anything for free. Best case scenario is that you’re caught filling out a grueling survey. Worst case scenario is that you click the banner and inadvertently download spyware, viruses, and other dangers to your system.
  • If you’re filing your taxes at a center, take a thorough look around before accepting service. How are documents stored? Are files easily accessible to anyone passing by?

When it comes to storing personal property and documentation within your rental, keep these points in mind.

  • Keep copies of personal documents in a safe place outside of the home, like a safe deposit box.
  • Ensure that sensitive documents within the home are in a secure, obscure location.

 

Happy Halloween – the smart way

Decidedly one of the most beloved American holidays, Halloween brings out our playful side. But as the old adage goes, it’s all fun and games until somebody loses an eye. Or a door. Or the home cinema system. Because Halloween not only brings out the fun side of people, which in itself can be annoying and dangerous (I’m looking at you bored teenaged pranksters!), but it certainly brings out the crazy as well.  To stay safe this Halloween, here are a few easy tips.

  1. Whether you plan on going out for the night or huddle around a giant bucket of popcorn while you rewatch the first season of American Horror story, check that all doors and windows are locked properly before you get on with your night.
  2. If you’re hosting a party, no matter how tired you are, do a quick roundup after your last guest leaves, to make sure all entry points are secured. Do not facilitate crimes of opportunity and do your best to hamper anyone’s malicious intent.
  3. While you do a room-by-room sweep for locked doors and windows, be sure to check for still lit cigarettes. Check in trashcans, take a peek under the furniture, between sofa folds and pillows.
  4. Make sure all your smoke and carbon monoxide alarms are functioning well and have batteries. If something catches fire, say from a carelessly discarded cigarette or fallen candle, the smoke alarm is your first line of defense. And whatever you do, do not disable them. You might want to allow friends to smoke inside your apartment, but in all honesty, what’s more important: your physical safety or your smoker friends’ comfort? When guests arrive, inform them of the designated smoking area (ie. the balcony).  Print out a few simple signs with directional arrows leading towards the designated area and spread them throughout your place.
  5. Alcohol-related crimes and pranks tend to spike on All Hallows Eve, so be sure to update your renter’s insurance policy. Have you bought any new electronics, appliances, jewelry or books lately?  Be sure to add them to your policy. Should they go missing while you’re out trick-or-treating or be damaged in a fire thanks to the drunken random dude that knocked over your candles, the more accurate and detailed your inventory is, the more you’ll receive in your insurance claim. Renter’s insurance offers you coverage in case of vandalism too, so if your apartment get paint bombed or a rock flies through the window and knocks out your TV, you’re covered.
  6. Another perk of renter’s insurance is personal liability coverage, including a provision for dog bites. So if a guest tripped and hurt himself enough to need medical attention, and is blaming you and definitely not his way too elaborate and cumbersome costume, renter’s insurance has your back. The same goes for your friend’s girlfriend’s medical bills. Even though she wouldn’t have any had she listened to you, when you told her that your dog is afraid of new people and please do not pet him.
  7. Don’t put any candles, including jack-o-lanterns in places where they can easily be knocked over, especially if you’re throwing a party. Other than having to clean melted wax off your furniture, they pose a real fire hazard as well. Go for flameless candles, glow-in-the dark sticks and twinkly lights. If you can’t resist having candles, be sure to put them all out when the party is over.
  8. Avoid using extension cords. Any novelty appliances you use (ie. fog machines) should come from a reputable retailer and manufacturer, to decrease the chances of short-circuits. DO NOT DIY any electronics or appliances.

Now that Resident Shield has your back, you’ll definitely get the treat and not trick, so go have some fun! Happy Halloween!

10 questions to ask before you rent

Think you’ve found the best apartment to rent? It’s spacious, reasonably priced, and designed to impress. What more could you want?! Well, a lot more, actually. It might be a good idea to go over a few specifics before signing the lease. Minor details may mean a lot if we’re talking money deducted from your security deposit for the nails you drove through the living room walls to hang your pictures.

Here is our list of 10 questions to ask your landlord or property manager before closing the deal.

  1. What are my payment options? Is there a secure way to pay rent online?
  2. Can I see the actual unit where I will be living? This shouldn’t be a problem, unless the previous residents have not vacated yet. Either way, you should thoroughly inspect the unit before moving in and make sure it’s everything your landlord advertised.
  3. What does my monthly rent include? Many apartment communities now offer a series of amenities which may be free of charge for residents. While you’ll probably have to pay for cable, natural gas, and electricity, you might catch a break on trash removal. If you’re lucky, you’ll find WiFi on the freebies list as well.
  4. Are there any security features that might help residents feel safe? If the rental apartment is located in a gated community, that’s definitely a plus. Other security features that you might encounter in urban apartment buildings include electronic access control, video surveillance systems, good lighting in the common areas, a visible security presence on site or a state-of-the-art alarm system – these are all good options that will help you feel safe in your home.
  5. Can I do some decorating? And re-paint partitions? Chances are you’ll want to make the place your own, so knowing where you stand with regards to remodeling permissions is a must. Some landlords simply require that you leave the rental unit in the exact same condition you found it when you moved in, and will accept nothing more than the normal wear and tear. Others may not be comfortable with any remodeling projects at all, so unless you have their written permission, it’s better to stick to decorating with throw pillows, potted greenery and other pretty items that won’t alter the premises in any way.
  6. What is your pet policy? Make sure to specify what kind of pet you’re planning to shelter. Some landlords promote their properties as pet-friendly but when you read the lease you find out that by pet they mean cats, bunnies, or fish. Fido is nowhere to be found on that list. What about visiting pets? Will you be able to babysit your sister’s Beagle when she’s out of town? And if the answer is yes you should also inquire about the extra pet security deposit which is usually required to cover any damages brought about by four-legged companions (dog owners know well what we’re talking about here: wrecked floors, scratched doors, ripped patio screens, upsetting neighbors with barking in the middle of the night, etc.
  7. Where can I park my car? Needless to say free parking would be awesome. Renting a parking space can amount to a couple of hundred dollars per month in big cities, so landing a rental home that includes parking in the monthly rent would be both convenient and cost-efficient.
  8. How do you handle maintenance requests? Is there a property manager on site who can take care of work orders? Or an online resident portal for submitting requests? Find out which procedure you’ll need to follow should you experience leaking faucets, mold problems, or bug infestation.
  9. What is your policy on subletting? That’s something that you want to know, just in case you have to get out of your lease due to unforeseen circumstances, like moving to rejoin a life partner or deciding to pursue a job opportunity that is 2,000 miles away.
  10. What is the total cost of the move-in? In addition to the first month’s rent, deposit, and any extra fees that might apply for pet owners, there may be a rental application fee that covers the cost of the background and credit checks. This is something that most responsible landlords take care of before approving you as a tenant, but you just might encounter one who surprises you with it later.

Also, it would be wise to take photos of every room, including close-up shots of any damages, defects, and faults that you notice while doing the initial home inspection.

You can even jot these questions down and keep the printed checklist if you decide to make that particular apartment your new home.

P.S. Once you settle in, it’s important to consider other things as well, including getting renters’ insurance which will protect the contents of your home against a wide variety of mishaps, including fire, lightning, smoke or theft. It even comes with a personal liability clause which provides protection in case of all sorts of accidents, from slip-and-fall injuries to liability provision for dog bites.

Five easy Halloween decorating ideas

It’s that time of the year again. Pumpkin patches have sprung up around the city, party invitations are crowding your email and stores are overflowing with fake vampire teeth and candy corn.  Halloween is right around the corner! Check out our super easy Halloween decorating ideas and take advantage of the most awesome time of the year! But before you buy or craft any decorations, look over your property’s guidelines or check with the manager. Some communities, especially if they’re family friendly, might object to overtly gory or scary decorations on your door or porch (so basically anything from The Walking Dead is out).

  • Pumpkins and jack-o-lanterns are a must, of course. If you want to break the mold, wrap your pumpkins in burlap or fabric or dye them black. If you like your spook with a dash of glitz and glam, coat your pumpkins in glue and sprinkle glitter on them.
  • Liberally strew candles, especially tall black, red and white ones around your home. To score some extra gore points, light a red one and let red wax flow on the sides of your other candles to imitate dripping blood. But make sure you never leave burning candles unattended, no matter how cool your jack-o-lanterns burning in the middle of the night would look. A gust of wind or a prankster could knock them over.  Although your renter’s insurance has your back in case of a fire, you really don’t want to deal with the ordeal. Also remember to place them in stable holders, away from flammables and out of the reach of small children and pets. Or just switch to flameless candles or glow in the dark sticks.
  • If you’re someone who regularly buys flowers, don’t throw your bouquets out when they start wilting. Dry them out, cover with fake webbing and you’ve got yourself a touch of a haunted house. If creepy crawler don’t freak you out too much, pick some up dollar store toy bugs, spray paint them black and add them on top of your creepy bouquets.
  • Haunted props like smoke, fog and lightning and thunder machines can really set the mood for a night of fright, especially if you’re planning on having people over.  However, make sure you buy the equipment from a reputable retailer. And save the receipt. Should they inexplicably vanish into the night, receipts will help you when filing a renter’s insurance claim. The last thing you want to deal with is a short-circuit plunging your party into darkness, or worse, cause a fire.
  • For some easy to make ghost companions, blow up a few white balloons and tie them off with long bits of fishing twine. Turn them upside down, draw some big black eyes on them, cover them with long ragged pieces of cheesecloth or some other flimsy white material and secure the loose end of the fishing twine to ceiling with some sticky tape.

Now that we’ve inspired you with design, go pick out a cool costume and stock up on candy corn, before hordes of zombie shoppers swarm the mall.

Healthy at home this flu season

The beginning of autumn, besides the colorful landscapes and carved pumpkins, mean winds and frost and Flu. Flu season generally runs from October to May and it is impossible to predict how bad this year will be. One thing is certain: the influenza virus, present with us throughout the year, is waiting to strike.

Nobody is exempt from catching the virus. However, there are a few tips that can help you get through the season without too much trouble.

1. Wash your hands (with soap, often and well) – many viruses are spread this way: you pick them up on your fingers and then get them in your mouth or eye.

2. Prepare for the cold season – before you start the battle with cold and flu germs, supply your medicine cabinet with needed medicines (pain relievers and decongestants), tissues, soap, and hand sanitizer. Check that your thermometer still works and make sure that you have plenty of fluids (for me, herbal tea is a must) in the house; don’t forget the canned for homemade, frozen chicken soup.

3. Symptomology – cold or flu? Not easy to tell, but usually colds are milder involving runny or stuffy nose. The flu is more severe and hits you suddenly, probably knocking you off your feet for a few days. Fever, body aches, and exhaustion are common with flu.

4. Say no to antibiotics – both colds and flu are caused by viruses, so antibiotics won’t help. They can actually become dangerous by increasing the risk of breeding germs that are resistant to drugs. Keep in mind that antibiotics work with bacterial infections.

5. When sick, stay at home – even though it might not be easy to take a sick day off, when catching a cold or down with flu, you should. Not giving your body time to pause and heal it may have a harder time fighting off the virus and it could take longer to heal. Moreover, you can also spread the virus to other people. When sick, stay home, rest, and recover.

6. Use disposable products – if you or someone in your family is sick. It’s a simple way to stop the germs from spreading among those you live with.

7. Natural Cure – honey ginger tea are great for sore throats and warm teas made from herbs fight fever and cough. Vitamin C works wonders, regardless if you choose pills or plenty of fruits like lemons.

8. Drink extra fluids – they’ll help thin mucus, drain your sinuses and help relieve a stuffy nose. Water, warm teas and sports drinks are all good. Stay away from alcohol.

Before treatment comes prevention (Click on the graphic to enlarge.)

A healthy, strong body is hit by sickness less often. Enhancing your body’s natural resistance mechanisms helps get a stronger immune system, thus less prone to colds or the flu. Nutritionists advise that the right diet can help prevent colds and the flu; essential is to revamp your diet and lifestyle before the bugs get to you. Foods are unmeasurably better than supplements because they bring the whole nutritional package. Fruits and vegetables are not only excellent sources of Vitamin C, but also other vitamins, minerals, and flavonoids that together boost or maintain your immune system healthy.  Natural juices and green shakes are a tasty way of increasing your daily intake of crucial nutrients.

Exercise is an evident differentiator between people who get sick often and those who don’t. Exercise is important all year round and if you’re worried about how to keep active during the cold winter days, remember gym and yoga.

A good thing to remember is that the way you take precautions to keep yourself away from colds and flu, so should you keep your home safe by purchasing renters insurance. Better safe than sorry.

It’s still hurricane season: protecting yourself and your possessions

For another two months or so, hurricanes are still a threat to homes in many of the United States, bringing powerful winds and heavy storms. Their power of destruction can be incredible: 2012’s Superstorm Sandy caused more than $68 billion in insurance claims across 24 states.warning sign of bad weather ahead

Homeowners know very well what steps they need to take to keep their homes on the safe side, but renters seem to be lagging behind. Do you know how to keep your possessions and house safe in case of tropical storm or hurricane?

1. Get renter’s insurance

No, your landlord’s homeowners insurance will not cover your belongings. Even if you’re just renting a room in a shared house, the coverage only protects your landlord’s furnishings, while your property is specifically excluded.

If you are renting the entire house, your possessions still won’t be covered without renter’s insurance. However, the additions and alterations made by the tenant to the property may be covered up to 10 percent of the home’s coverage limits for contents. Storm screens or carpeting are examples of addition and alterations. Make sure the policy you are purchasing specifically includes hurricane coverage as renter’s insurance policies provide coverage only for the types of situations that are explicitly names on it.

2. Create a home inventory

The next step, following the renter’s insurance purchase, is to make a home inventory of all your belongings to have it in case you need to file a claim in case of loss or destruction during a hurricane. The inventory should include photos of the items, estimated purchase dates and values, the brand name and model, and, if possible, copies of the receipts. Also, taking a photo of the receipt is another valid option to keep these records.

It’s important to keep your inventory safe from fire; a modern way, and a very secure one, is to create a digital file of the inventory that you can save online and can be accessed from anywhere.

3. Discuss with your landlord about measures to protect the home in case of a hurricane

As a renter, you have no responsibility to protect the property, unless your lease agreement states otherwise. This doesn’t mean that you shouldn’t make sure the place you live in is not as wind- and storm-resistant as possible; talk to your landlord about precautionary measures to protect the dwelling.

FEMA recommends securing the roof with wooden planks running along the underside of the roof in the attic, known as truss bracing. Doors can be strengthened with reinforcing bolt kits and windows and glass doors can have added storm shutters. Perhaps some of them you can add yourself, but others might require professional skills in which case hiring a contractor is the best option.

Some local governments require homeowners to assure some or all of these measures, so you might want to look into seeing if the dwelling you’re renting meets the requirements of the region you live in. if you discover that they don’t, it’s your legal right to demand them from your landlord.

4. After hurricane damage, you might receive some help to recover from the loss

If you disregarded the first tip on this list and didn’t get renter’s insurance to protect your valuables, or perhaps lost items that weren’t in your renter’s policy, you may be eligible for a low-interest disaster assistance loan of up to $40,000 to repair or replace articles including clothing, furniture, appliances, and cars destroyed or lost during the super storm. You can apply for a disaster assistance loan here.

Have yourself a safe, stylish autumn

Colorful autumn is in the backyard, rolling in the grass and playing with the trees; leaves are turning rich and the days will soon become crisp. You can already smell cinnamon and baked apples, and the fireplaces are heating the homes with stories. Fall is an amazing season that can bring a lot of joy; however, for a carefree autumn, some preparations are needed.

Cleaning

Although it’s not as popular as the spring cleaning, it is as important. During summer vacations and easy sunny days we tend to accumulate things; now it is high time to find their place as well as their seasonal utility, because remember, you need more space for those extra blankets and the bulky clothes to keep you warm. Selecting and putting away all the summer clothes and reorganizing the closets will help you prepare for fall; the stars of the next two seasons are blankets and sweaters.

Lazy days ahead

Yes, exactly those days, when you wake up and see outside the windows a thick, milky mist that smells of hot chocolate, that you’ll prepare for yourself while curling up by the fire. As temperature chills, you tend to spend more time indoors. Throw pillows and fluffy blankets delimit your preferred areas, and the rugs on the floor give the coziest feeling. Add some velvet fabrics in deep shades (reds, yellows, oranges, and browns) and autumn can start its rains.

TIP: Consider investing in two sets of home goods: spring/summer and fall/winter goods, this way they need longer before getting that “used and abused” look.

Image via Pinterest

Seasonal decoration

Over ten years in rentals taught me that lights are pivotal in designing interiors without spending too much (plus, once you leave, you can take them with you). Designers recommend at least five sources of lights in a room, in different locations, on different levels, and if possible, with dimmers. Lights can really add depth and layers to a room; just some yellow-tinted bulbs will change dramatically the air in the room casting their warm light. Add a reading lamp by a sofa and your evenings will be too few for your growing bookshelves.

Probably during summer you covered your windows with opaque curtains to block the heat. Now is the time to replace them with light, sheer curtains to optimize sunlight. And if you own a terrace or balcony, clean it and do a little outdoor decorating. A scarecrow or pumpkin outside your door or on the terrace will put a smile on your face as you return from work.

Stylish means `worry free’, so go through your documents and check your renters insurance. And go make yourself a cup of chocolate with just a hint of cinnamon, or pour yourself a glass of Cabernet to celebrate this second spring of the year.

Three reasons why every football fan should have renter’s insurance

One of the many joys of the arrival of fall is the NFL fall football season. If you’re a true football fanatic, ‘tis the season to be jolly. Whether you’re pumped for the Patriots or cheering for the Chargers, you’ll surely have friends over for some beer and football. Although renter’s insurance might not be the first thing that comes to mind when you’re planning your next football viewing party, we’re here to show you why it’s as essential as the perfect salsa dip and high-def flatscreen.

  1. Speaking of that flatscreen, it cost a small fortune, right? I mean, if you can’t see your favorite team crush the competition on a stadium, you should at least watch it on a high definition TV set with a diagonal that would give some theatre screens a run for their money. We know you take good care of it, but the nature of accidents is that they’re unpredictable. What if lightning hits and fries your precious connection to the world of football? Well, if you have renter’s insurance, it will help pay for the repairs or a replacement.
  2. Beer. Yes, beer is one of the main reasons you should have a renter’s insurance policy as a football fan. Just think about it. You have a couple of friends over, your favorite team is winning, your popping brewskis and before you know it, everybody’s had one too many. Now we all know how even a bit of alcohol can make you accident-prone. Suddenly someone loses their balance, falls down and sprains an ankle or breaks an arm. And they’re blaming you and your supposedly slippery floors. That could get you into trouble, especially if your friend needs a visit to the ER and the medical bills pile up. Resident Shield covers accidental injuries of guests while at your residence and does it for as little as 50 cents a day. A bargain!
  3. Now let’s be honest and admit that some football fans can get a bit out hand. Like Jim from 12D, who can’t get over the fact that the Falcons just got crushed by the Vikings. And every time he sees that Vikings sticker on your door he inches closer to the edge. One day you come home to find your door ajar and every bit of Vikings memorabilia smashed, ripped or spray-painted. After going through the necessary motions with the authorities of course, you’re still left with a disaster.  If you have renter’s insurance however, you’re covered in case of vandalism. Even though nobody can replace the memories tied to all that was destroyed, renter’s insurance will cover the damage, helping you buy new reminders of mind-blowing touchdowns and last-minute wins.

Now go get renter’s insurance before the next big game, and host the most epic football viewing party ever! Geaux New Orleans Saints!

Only you can prevent apartment fires

Fall is now upon us and heating systems are turned on, fireplaces crackle and candles are lit to chase away the dark and cold hours. But the comfort of warmth and light can come with a price. According to the National Fire Protection Association, in 2012 97,000 fires were reported in apartment buildings alone, claiming the lives of 380 civilians, injuring 4,050 and causing $1.9 billion in property damage.

While renter’s insurance provides you with a safety net should the worst happen, it’s still safer to prevent. In observation of National Fire Prevention Week, running Oct. 5 through 11, here are a few tips to keep yourself, your loved ones and your property safe.

fire in apartment complex

  • Did you know that “Working Smoke Alarms Save Lives” is this year’s National Fire Prevention Week theme? Check if your fire and carbon monoxide alarms are functional and operating. Be on the lookout and replace batteries in time.
  • If your apartment has a sprinkler system, ask your property manager when they were last inspected.
  • Check if your heating system works properly. If it makes weird sounds or you smell something out of place, shut it down (if it’s no danger to you) and contact your landlord and the appropriate authorities.
  • If you use alternative heating sources, such as space heaters, make sure they are always three feet away from anything that can burn. Always turn them off when you leave the room or go to bed. Always plug them directly into an outlet, never use an extension cord.
  • Make sure the insulation is intact on all your chords, appliances, light fixtures and any other gadget that runs on electricity. Short circuits are one of the most common fire sources.
  • Always use light bulbs with the correct wattage.
  • Never use extension cords for large appliances such as refrigerators or washing machines.
  • If your apartment has a real fireplace, make sure the chimney has been recently cleaned.
  • Always place candles in stable holders, far from flammables and never leave them unsupervised. If you have pets, be especially careful or simply switch to flameless candles.
  • Did you know that pets start around 1,000 fires every year? According to the Chicago Metropolitan Veterinary Center, it’s true. Put candles and chords out of their reach and remove or lock stove knobs. Although Pet Damage Coverage can help you pay for the damage, prevention is still easier.
  • Fall is also the time to celebrate one of America’s favorite holidays: Thanksgiving.  It is also the day with the highest number of residential fires in the entire year.
  • In fact, according to the Unites States Consumer Product Safety Commission, the number of cooking fires triples on Thanksgiving Day. So remember your basics: don’t cook when you are tired or distracted, never wear loose-fitting or flammable clothing (i.e. high in polyesters), keep your cooking surface clean and uncluttered,  never leave cooking unattended and always make sure all sources of fire and heat have been turned off and put out before sitting down for dinner.