Front Porch Lights and Home Protection

Leaving your front porch light on in Missouri, is it a good way to keep your home safe from burglars?

Using your front porch lights to enhance your home security can be effective, especially as part of a larger overall strategy. Here are five things to consider when using your lights for security protection:

Variety is important

Its important to not leave your lights on constantly while you’re at work or on vacation. If your porch lights or exterior lights are on during the day that can be a signal to burglars that no one is home. Use timers or lights than can be controlled remotely so you can create different looks and turn your lights on and off.

Motion Detection Lights

Motion detection lights can often scare off a burglar and will allow you to leave the lights off. If someone approaches your house the lights will automatically come on.

Your Surroundings

If you live in a rural area with no neighbors around then lights might not keep an intruder off your property. If you do live in a neighborhood its important to keep your bushes and trees trimmed so burglars don’t have a spot to hide and take cover.

Correlate With Your Neighbors

Would your neighbors be able to notice if something was out of place or missing? Build a relationships with the neighbors around you that you can trust and let them know when you’re at work or going on vacation. Connect with your neighbors so they can tell when something doesn’t look right.

Mix Up Your Interior Lights

Even if you have outside lights on, a house that looks dark on the inside for a few days makes it seem like no one is home. Invest in timers for your lights and set them to turn on and off different lights throughout the house at different times, thus helping create the illusion someone is at home.

Although there is no perfect way to keep your house in the Ozarks safe, there are still plenty of options you can use for extra protection. To keep burglars guessing whether or not anyone’s home try to mix it up, with your lights and other things. The best strategies can often involve a range a variety.

Stay safe!

To make sure you’re covered from theft and breaking and entering call Professional Insurance in Ozark, Missouri today and let us protect you! 417-581-5818

As an independent agent we compare rates through multiple companies and find the right policy that fits your coverage needs and quality expectations all while saving you money.

Get your free auto insurance quote by calling us at 417-581-5818 or request a quote online http://proinsurinc.com/request-a-quote/

Tips For Driving In Inclement Weather

With the dark, cold, and wet winter season approaching Springfield its important to know how to drive in inclement weather conditions. Here are some helpful tips for driving in the rain or snow

Its important to check your equipment and make sure everything is working properly. Check your headlights, break lights, taillights, and most importantly your windshield wipers. Also, be sure to check the tread of your tires. Balding tires can severely reduce traction when on a wet road way.

Tips for driving safely in the rain

Slow down! your vehicles reaction time is a lot slower when its raining so you should drive considerable slower than you normally would.

Avoid heavy breaking and maintain a safe distance between you and other vehicles. slow your vehicle by taking your foot off the accelerator earlier than you normally would in preparation to slow down or stop. Keep a greater distance than you normally would between your vehicle and the car in front of you. Stopping your vehicle will be more difficult when driving in the rain.

To avoid hydroplaning, drive around places where water has collected by changing lanes or safely steering around such areas. Hydroplaning is one of the most common car accidents in the rain because drivers can lose control. If your car hydroplanes, calmly take your foot off the accelerator and steer in the direction that the front of your car needs to go. Avoid making sudden turns or slamming on your brakes.

Tips for driving in the snow and ice

The same tips above can also be helpful when driving on the snow or ice. Be sure to keep your distance from other cars and apply your breaks earlier than you normally would.

Apply the gas slowly to avoid spinning your tires. Applying extra gas on snow-covered roads will just make your wheels spin. Avoiding stopping going up hill and powering uphill.  As you reach the top of the hill, reduce your speed and proceed downhill slowly.

Always be prepared and plan your routes out ahead of time. Remember that reducing your speed and turning on your lights are two of the simplest and most effective ways of reducing the chances of an accident caused by wet weather. If you feel uncomfortable driving in the rain and its possible postpone your trip or commute, wait until the weather improves before driving.

Call 417-581-5818 today for a free quote! Or to make sure you’re covered in the off chance you end up off road!!

Do you have a teen driver ready to go solo?

Ensure Your Teen Has Successfully Completed A Graduated Driver Licensing Program

According to the National Highway Traffic Safety Administration (NHTSA), a graduated driver licensing (GDL) program is a three-step approach that restricts potential high-risk driving situations for teens — and all 50 states as well as the District of Columbia have adopted a GDL program. As your teen moves through the phases of your state’s program, they’ll continue to learn and earn their right to full driving privileges. Here are the three GDL phases, according to the Insurance Information Institute (III):

  1. Learner’s Permit: A supervised learning period where the student must drive with a licensed adult and complete road knowledge and vision tests.
  2. Intermediate License: After completing advanced training and passing a required road test, a new driver earns their intermediate license. Certain driving situations, such as driving alone at night, are still prohibited in this stage unless accompanied by a licensed adult. The driver must remain accident-free and not incur any traffic violations over a set period of time before completing this stage.
  3. Full License: A license with full driving privileges is earned.

Tips for a successful first solo drive

  1. Setting limits and clear expectations. Your teen should understand that if they don’t follow the laws like driving within the speed limit and wearing a seat belt they could lose driving privileges. Set set your own rules, such as where your teen can drive alone and how long he or she can be out. You should also set a strict rule about cell phone use while driving.
  2. Don’t allow friends in the car at first. Passengers can be a major distraction and cause unnecessary risks.
  3. Make sure that you have practiced driving with your teens in all kinds of whether so they can be prepared. Drive short distances when its raining or snowing to build your teens confidence.

Does Your Teen Understand The Basics Of How The Car Works?

A general orientation of how the car works is just as important as knowing how to drive the car. Prepare your teen to be out on their own and make sure they understand what to do in case of emergency and the daily upkeep it takes to keep a car on the road. Your teen should know how to:

  1. Change a flat tire
  2. Fuel the vehicle
  3. check the oil
  4. Inflate the tires
  5. Turn on and off the headlights
  6. Turn on and off and adjust the windshield wipers
  7. Understand the lights on the dashboard
  8. How to react in an emergency

The idea of helping teens learn to drive strikes fear in the hear of many parents. Worrying about your teen behind the wheel in one of the families most expensive tangible item can drive your crazy. Teaching your kids safe driving habits early on can help ensure that they are ready to get behind the wheel alone.

Let us help you save money and your sanity when its time for your teen to go solo!

Call 417-581-5818 and we can shop your insurance through multiple companies and help you find the right policy that protects your teen and your car.

Local Ozark, Mo. agents are just a phone call away to help local families.

WINTERIZING TIPS FOR YOUR BOAT AND RV

We’ve finally reached the time of the year when the weather is slowly becoming cooler and the leaves are beginning to change. School is back in session and summer is over. Now is the time to beginning preparing your boat and/or RV for the winter season.

Winterizing your boat

A clean boat is a happy boat.

Cleaning your boat now makes it easier for you when you are ready to dust the boat off in the spring. Cleaning the boat from top to bottom will also help you notice if there was any damage caused to the boat over the summer. Remove all the items inside the boat as well.

Don’t forget to clean the fuel system. You want to make sure to top off the fuel tank at the end of the season because this will prevent condensation in the tank during the winter. Make sure you run the engine for about 15 minutes after doing this, so you get everything circulating through the fuel system. It’s also a good time to change the oil.

Disconnect your batteries

Disconnecting the batteries keep them from dying over the winter. It also comes with the added bonus of helping the batteries last longer. If you live somewhere that experiences frequent sub-zero temperatures you may want to remove the battery from the boat completely. 

Decide on storage

While an indoor, controlled climate is the best place to store your boat its not always the most affordable. If you’re going to store the boat in a storage unit now is the time to begin calling around and checking availability. If you are going to store your boat outside you will need to invest in a cover that can handle the winter elements.

When the weather warms up you will be glad you took these steps. Winterizing and taking care of your boat properly each year will keep it around for many summers to come.

Winterizing your RV

Time to Clean your RV

First things first, park and stabilize your camper for the winter. Clean your RV from top to bottom and remove any food or drink items. Unplug and prop open your fridge to prevent mold. Remove and clean any beddings or curtains. Don’t leave anything behind that will attract bugs. Be sure to disconnect all the electronics and remove and valuables from the RV. Disconnect the batteries and store them in a room temperature location. Now is a good time for you to look in your RV’s owner’s manual. Different classes of RVs and different products will have other needs that will need to be tended to before you can store your RV for the winter.

Drain the water

Don’t let water sit in your RV all winter. Sitting water can cause all sort of bacteria issues as well as freeze and cause major damages. Drain both your black and gray water tanks and then be sure to clean the black tank after. You’ll also need to get the water out of your water heater. This means you need to turn it off and let it cool down and not be under pressure

Add antifreeze to your RV

Before you can add antifreeze, you’ll either need to install a water pump converter kit, or you can disconnect the inlet side of the water pump and place it inside your jug or source of antifreeze. From there, you’ll need to close all faucets and drain lines. Then you can turn on the water pump. This will take antifreeze into the water system. With the system properly pressurized, go around to each faucet and turn on the hot water until you see antifreeze. Then do the same for the cold water. You can pour some additional antifreeze down the drain of each sink in the RV. With all that done, you should double-check that the water heater’s heating element is turned off and all faucets are closed.

Knowing how to winterize a camper the right way will save you a lot of hassle and expenses. Cleaning everything before you store your RV for winter will also make it quicker to get back into gear once the spring camping season begins. If the steps above sound a little complicated or you simple don’t have time, contact a local highly-qualified service technician to do it for you. 

All About ATV Insurance

Four-wheelers, ATVs, and side-by-sides are a lot of fun and serve many purposes. Some four-wheelers and side-by-sides are used for work purposes around a farm or hunting. But many people use four-wheelers and side-by-sides for weekend fun! It doesn’t matter if you use your ATV for business or pleasure when you hit the trails you need to have quality coverage.

Why you need insurance for your four-wheeler or side-by-side.

Owning a recreational vehicle is a lot of fun for the entire family and offers a great way to spend time together outdoors. While many people think that because they primarily use these vehicles on private property they do not require insurance but this is not always the case. Insurance is not just a legal obligation, it is also a protection from personal liability. If you are on your ATV and have a mishap the repairs for your vehicle as well as the cost of any medical expenses will fall to you. This is also true if a passenger or third party is injured. Most auto and homeowners insurance policies provide little, if any, supplemental coverage for off-road vehicles. It’s important to choose specialized protection for your ATV like:

  • Bodily injury liability
    If someone gets hurt in an accident and you’re at fault, this covers the medical expenses.
  • Property damage liability
    Covers the damages if you’re at fault in an accident that involves another person’s property. Usually, that includes things like vehicles, homes and buildings.
  • Collision coverage
    Reimburses the cost of repairing your ATV after damage due to a collision with another object, such as another off-road vehicle, tree or fence.
  • Comprehensive coverage
    Covers damage to your ATV resulting from almost anything: flooding, wind, vandalism, theft and other events not involving a crash with another vehicle

My ATV Is customized, is there coverage for that?

Custom parts and equipment can be added to most policies. Some policies will even include some customer parts and equipment into your base rate. If your ATV is customized it is important to keep up to date documentation of custom parts in the event of a claim.

If you have a four-wheeler or another recreational vehicle, it’s time to find out more about your insurance options. For a quote on your ATV/UTV or side-by-side, give us a call at 417-581-5818. Our licensed staff can quickly and easily help you decide what coverage and options are right for your situation.