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/

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. 

Advantages of using an Independent Agent

An independent insurance agent is an individual that does not work for one particular insurance company. Instead, they sell insurance policies from several companies giving you options and finding several ways to save money.

More Choices

One of the biggest advantages of working with an independent agent is that you will have more choices. As part of the Couri Insurance Associates, we are able to offer coverage from numerous highly rated insurance companies, including preferred companies such as Travelers, Safeco Acuity, State Auto and Progressive. These companies offer 24-hour service, so you always have access to someone when you need help when our local office is closed. As an independent insurance agent, we provide you with many options to choose from and it will ensure that you find a policy that you like. Independent agents can also offer unbiased advice since they are not committed to just one company.

More choices means more savings

Another advantage of using an independent insurance agent is that you will be able to save money. When you look at different choices, you can generally find one that is cheaper than the rest. We don’t focus on a specific company and will instead be focused on helping you find the best deal. From bundling policies to taking advantage of the various discounts offered by our insurance company partners we do everything we can to save you money on your premiums and still get a policy that gives you the coverage you need.

A local agent has local knowledge. This is important when it comes to an understanding of special exposures like flood, wind, earthquake and other kinds of personal and business insurance. As your local agent we also re-shop your policy every renewal date to make sure you always have the best policy! We take pride in saving our customers money and are proud to be local. We’re located just around the corner and our agents are out and about in the same community as you.

Let us shop your insurance and save you money!

Call 417-581-5818 to speak to an agent

Text us at 417-830-7814
or request a free quote online

The Importance of Vehicle Maintenance

What makes a care safe?

Having a safe and reliable car can take a lot of upkeep, but it’s worth it to keep you safe and make your car stay on the road longer. 

Often times many Americans don’t keep up with all the maintenance a car needs to stay on the road. Regular maintenance of your vehicle usually cost less than major repairs and can also help avoid those major repairs.  Are you one of those people? Do you know what it takes to keep your car on the road longer and keep you safe?

Helpful maintenance

Oil Changes

Getting your oil change regularly is one of the most important things you can do to keep your car running. You should be changing your oil every 3 months or between 3,000-6,000 miles. That number can vary depending on how often and how far your travel. There are so many moving parts in your car and we rely on oil to clean and cool those parts. 

Tires

Another important upkeep on your car is tires. Bad tires can create many safety problems like effecting your brakes or they can blow out at any time while driving. Keeping up with your tire pressure and your tread is a good way to make sure your tires are always in top shape. Tire rotations can help increase the life of your tires and ensure your steering is good. Having bad tires can create a bumpy ride that causes your car to pull one way over the other. 

Lights

Lights play a major role on your car and require constant upkeep. Having working head lights not only benefits you and what you can see but, it also helps other see you. Your lights come in handy more than just at night. On a rainy day, a foggy morning or early in the evening your lights can help people see when you are coming and avoid a collision. Working blinkers help notify those around you of your next moves like when you are turning, changing lanes, or pulling over can avoid confusion and keep you and those around you safe. Making sure your brake lights are working is a big part of your light maintenance. Your brake lights are important to notifying the people behind you when you are slowing or stopping so they know to slow down. 

Brakes

Finally, brakes are the most important safety feature and maintenance priority on your vehicle. Being able to slow down or stop at a moments notice will protect your car and possibly save a life. You should get your brakes inspected every 6 months. If you have an issue with your brakes you need to get them fixed immediately for the safety of you and every one else on the road. 

It’s important to keep up with the maintenance of your vehicle, so that you will have a safe and reliable means of transportation. Keeping your car in tip top shape with frequent maintenance checks can help avoid breakdowns and wrecks. Regular upkeep of your car will also help your car last longer.