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Thursday, 31 May 2012

How to Have a Safe Grilling Season

Posted on 07:44 by Unknown
Source: http://www.oklahomafarmreport.com/wire/news/2012/05/00829_SafeGrillingB05232012_113854.php

The weather's getting warmer. Summer officially starts on Wednesday, June 20th. This means that more people are spending time outside, and families everywhere are firing up their grills. Whether you use gas, or charcoal, the grill can be a deadly device if not properly taken care of or maintained.

Every year gas grills start over 500 fires and injure many people. The carbon monoxide emitted by charcoal grills cause 400 injuries and 20 deaths, recorded by the Insurance Information Institute. These numbers are unfortunately on the rise, and without proper safety precautions that trend will continue to increase.

Most Arkansas home insurances and Arkansas Renter's Insurance will help you with fire damage. You want your insurance to be a safety net, not a resource you have to call upon to raise your premiums. To prevent tragic events and destroyed property, follow these simple(yet often overlooked) tips for grilling out with the family:

  • Make sure a fire extinguisher is available in case of an uncontrollable fire. In the event of a grease-fire, baking soda will snuff the flames better than anything else.
  • Be familiar with your grill. Find the owner's manual, study it(yawn) and make sure you are aware of any risks your grill may hold, and for proper maintenance procedures.
  • Clean the grill thoroughly, including external and internal parts. Any dirt or rust buildup should be cleaned off with a scouring pad or abrasive grill-cleaning device. Cleaning the grill will also make your food taste better, and avoid unsightly and unsanitary grease buildup.
  • Inspect the charcoal receptacle, fuel lines, burners and any electronic components and make sure they are still working efficiently. Inspect your propane bottle for damage and proper filling procedure to avoid an explosion or leak.
  • Be aware of your grilling station. Make sure it is outside to avoid carbon monoxide poisoning. Also sweep away any brush or other flammable materials to avoid having more fires than you can control!
  • Keep your grill on a balanced, even surface to avoid tipping. A grill pad, made of durable plastic or cement, can protect your deck or other surfaces from hot grease and other grill residues.
  • Wear a durable apron, tie back any long hair, keep sleeves rolled up or out of the way, and don't wear really baggy pants. These are all fire hazards and can be easily avoided
  • When entertaining guests at a party make sure the grill is supervised at all times, especially when the cooking is done. A grill holds heat for a long period of time, and can still burn and set fire if tipped over or touched.
  • Keep all children away from the grill. Teach at an early age not to touch the grill, and make sure they understand that only adults should operate the grill. Grill contact is one of the most common ways children under 5 are burned.

We hope you follow these rules for a safe and happy grilling season. If you don't yet have home insurance and are in the Arkansasarea, contact Tberry's Insurance and make sure your family and home will be safe and secure for Summer. Enjoy the sun and wear lots of sunscreen! Call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621
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Posted in Arkansas Full Line Insurance, Arkansas Home insurance, Arkansas Insurance, Arkansas insurance quote, tberrysinsurance.com | No comments

Wednesday, 30 May 2012

5 Easy Ways to Save Money Insuring Your Home

Posted on 09:46 by Unknown
Everyone asks me what are some tips to save money insuring what most everyone has: a home. These 5 tips are very general, but you never know which one you may not have taken advantage of yet. We at Tberry's Insurance hope you can save some money on your home insurance, and we will give you a great quote for the Arkansas area!
Everyone needs home insurance, but you don't need to pay too much!

1.Combining your Insurance Policies
Most insurance companies sell multiple insurance categories simultaneously, and in most cases they will give you a discount for insuring multiple items. Generally you can save as much as 10 to 15 percent off your premium when you get two or more policies from the same insurer.
Always be sure, however, that your final combined price is not higher than getting two different policies with different companies. It always pays to shop around!

2.Keep up that Credit Score
Having a high credit score should already be on your list of important achievements in life. Another added benefit to having a high credit score is it may cut your insurance costs. More and more insurance companies are using your credit score to price your home insurance policies. In cases where your credit score will increase your insurance rates, you can always see and verify what they used to find your credit rating.
You should always be aware of your credit score, and there are many things you can and should already be doing to keep your score high. First, pay your bills on time! Next, keep your credit cards paid down so you're not accumulating high amounts of interest. These may seem like two obvious points, but they are critical in maintaining and raising your credit score.

3.Install Security Systems
Everything you install to protect your home can be something that may lower your policy. Some of the more obvious ones are smoke detectors, alarm systems, and multiple locking systems on your doors. Simply list these types of improvements when talking about a policy and see what the company will reduce from your policy. The benefits of these improvements are two-fold: Increased security and decreased payments!

4.Improve your Home's Resistance To Disaster
If your home is near a known disaster area (Tornado Alley, Sand Andreas Fault, etc...) Talk to your insurance agent on what ways you can improve your home's resistance to the elements. Upgrading an aged home's defenses with reinforcement for earthquakes or adding storm shutters to your windows for strong winds are all ways to save on your premiums.
Don't forget about your internal systems as well. You should consider your plumbing, electrical and gas systems and their condition to prevent water or fire damage to your home.

5. Raise your Deductible
This is one of the easiest ways to lower your payments, as the higher your deductible is, the lower your payments will be. People in more disaster-prone areas may not want to do this, but if you can afford the deductible with a “disaster fund” or something similar that you have saved to pay closer to $1,000 dollars, you will definitely save on your premiums. Check if your insurer provides different deductibles for different types of damage(like hailstorms or earthquake deductibles) to see if this method of lowering your policy premiums is right for you.

If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621
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Posted in Arkansas Full Line Insurance, Arkansas Home insurance, Arkansas Insurance, Arkansas insurance quote, tberrysinsurance.com | No comments

Wednesday, 23 May 2012

[Infographic] What Determines My Car Insurance Rates?

Posted on 11:01 by Unknown
Infographic - What Determines My Car Insurance Rates and Average Price of Car Insurance
[Infographic] Car Insurance Rates and Average Price of Car Insurance


Infographic provided by http://www.car-insurance.com/infographic-average-car-insurance-price-what-determines-rates.html. This infographic has the average price of car insurance and average rates you may see. Make sure you're protected, get automobile insurance today! 

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.



Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621



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Posted in Arkansas Auto insurance, Arkansas Car insurance, Arkansas Full Line Insurance, Arkansas Insurance, Arkansas insurance quote, infographic | No comments

Tuesday, 22 May 2012

Insurance Bargains: Infographic of least expensive vehicles to insure

Posted on 09:18 by Unknown
Find out which car models are the cheapest to insure, in this LiveScience GoFigure infographic.

Source:LiveScience
Infographic provided by http://www.livescience.com. This infographic has the most affordable cars to insure. Make sure you're protected no matter the value of your car, get automobile insurance today! 

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.



Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621
Read More
Posted in Arkansas Auto insurance, Arkansas Car insurance, Arkansas Full Line Insurance, Arkansas Insurance, Arkansas insurance quote, infographic | No comments

Wednesday, 16 May 2012

Anatomy of a Motorcycle Accident: Why you need Motorcycle Insurance

Posted on 08:05 by Unknown
No one is safe from a Motorcycle Accident
Infographic provided by http://motorcycleinsurancehq.com/anatomy-of-a-motorcycle-accident/. Motorcycles are a great tool for going fast and have unparallelled maneuverability on the road. Unfortunately, those benefits come at a cost: protection. Motorcycle riders are the most vulnerable to collisions with other motor vehicles, and Arkansas doesn't require wearing a helmet. Make sure you're protected from others that you share the road with, get motorcycle insurance today! 

If you're an Arkansas resident and want to get a free motorcycle insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.


Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621
Read More
Posted in Arkansas Auto insurance, Arkansas Car insurance, Arkansas Full Line Insurance, Arkansas Insurance, Arkansas insurance quote, Arkansas Motorcycle Insurance, infographic | No comments

Monday, 14 May 2012

Infographic: Reassessing homeowners insurance: A checklist

Posted on 10:25 by Unknown

Infographic provided by Bankrate.com. If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

Read More
Posted in Arkansas Full Line Insurance, Arkansas Home insurance, Arkansas Insurance, Arkansas insurance quote | No comments

Tuesday, 8 May 2012

Why is my car insurance so high?! Factors that affect your auto insurance and what to do.

Posted on 11:56 by Unknown

At least they're married!
The amount you pay for your autoinsurance depends on several factors, including your age, gender marital status, where you are and what you are driving. You can't change your age or gender, it wouldn't be cost-effective to move off to another state to save a few bucks. The easiest ways to start saving is to choose a more economical vehicle that costs less to insure and to be a safer driver.

Vehicle
Having a hot rod or a big Hummer may be a great status symbol, but it is a hefty price to pay for such luxury. When insurance companies make premiums they base part of what you pay on the price of the vehicle, and part on how expensive it is to be repaired. Vehicles which are the targets of theft also can factor in to the cost of your premium. How much each is factored in can depend on your insurer as well, so this is not a concrete formula on your car insurance premium.

Things you can't control
Even though these factors are the ones you can control the least, they have the greatest control on your insurance rates. For example, single males under the age of 25 pay the highest rates. I know this personally because I am 26, and the decrease was a great relief! The rates are so high for that demographic because statistically they are in the most wrecks. Since I became married to my wife in 2010, I got to enjoy another decrease as well, as married men are cheaper to insure than single.( I wonder why, no more girls to impress...) Don't look so smug so quickly, ladies, as some states have adopted rates not based on age or gender, and this has caused the rates for the fairer sex to increase. At least this is a legitimate complaint you can raise about men and how we are making it harder on your lives.

These are not the only factors that determine your rates. Unfortunately your driving record is a contributing factor as well, and thus drivers with spotless records pay the least, and your future destruction derby driver will cause you to pay the most. Maybe he'll invent a great product one day or get a great career to pay you back for all those wrecked vehicles he accumulated learning to drive.

Where you live can also affect your insurance premiums. More densely-populated metropolitan areas have far more accidents than rural environments, so you pay more for being in a busier city. Makes that more rural, country area sound better and better, doesn't it.

Don't go crazy choosing coverage
Everyone is quick to tell you how crazy and dangerous it is to be uninsured, but on the other side of the coin, it is just as crazy to have too much coverage as well. Even though the minimum requirement for state insurance is not nearly enough in most cases, there are ways to keep from getting the top-notch coverage while still keeping your possessions safe in the event of an accident.

A good rule of thumb to have is, “If you have more, get more insurance.” Just like how you struggled with choosing your car, its insurance is just has hard to decide on. Polls taken from surveys say that you could be paying up to $1000 more annually for the same coverage another company could give you. It never hurts to ask, and shopping around with some of the independent companies may save you more than the big names, and give you the same coverage.

Ways to lower your premiums
  • Drive Safely: By avoiding collisions and tickets from traffic violations, most companies will offer compensation by giving certain “safe driving” discounts.
  • Maintain Good Credit: It is becoming a growing trend to consider a person's credit score when making premiums and setting payment rates. The higher your score the better.
  • Drop Unnecessary Extras: Things like costs for towing or replacement rental car expenses during repair work may sound like small things, but if your warranty covers these with roadside assistance, you're paying twice for something you may only need once.
  • Increase Your Deductible: This may sound counterproductive, but increasing your deductible lowers your rates! Of course you're paying more for when a collision occurs, but the savings on every premium payment allows you room to put back a little bit each time in a savings account for those times you have to foot the bill when a wreck does occur.
  • Check Your Options: The old rule is, “Look but don't touch.” So what's the harm in shopping around? Your situation may change so why not change policies if the grass really is greener? With technology breeding more companies who will give you phone or online rates, it's easier than ever to compare.

Even though this info is helpful to everyone, if you're an Arkansasresident and are looking for a great insurance company let Tberry'sinsurance be your full-line insurance provider! Give us a like on Facebook if you found this helpful!

Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621

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Posted in Arkansas Auto insurance, Arkansas Car insurance, Arkansas insurance quote | No comments

Monday, 7 May 2012

Visit our website!

Posted on 09:06 by Unknown
Hello Everyone!
Our Natural State with the flag design in the center.
If you're an Arkansas resident, please check out our website for great insurance providers in your area! Call our office at (479)-968-2633 to see how much we can save you. We cover Personal as well as Commercial insurance, so check out our site and see what services we can provide you with.
In Personal insurance we can provide you:
  • auto
  • homes
  • epli 
  • boats 
  • motorhomes 
  • commercial auto
In Commercial insurance: 
  • general contractors
  • convenient stores
  • restaurants
  • day care
  • rentals
  • retail stores
  • builder's risk
  • truckers
  • commercial property
  • equipment coverage

Visit our site: http://www.tberrysinsurance.com
And our blog: http://www.tberrysinsurance.blogspot.com
Please like us on Facebook: http://www.facebook.com/pages/Tberrys-Insurance/282947631799621
Read More
Posted in Arkansas Auto insurance, Arkansas Car insurance, Arkansas Home insurance, Arkansas insurance quote, Arkansas Motorcycle Insurance, Arkansas renters insurance | No comments
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      • How to Have a Safe Grilling Season
      • 5 Easy Ways to Save Money Insuring Your Home
      • [Infographic] What Determines My Car Insurance Rates?
      • Insurance Bargains: Infographic of least expensive...
      • Anatomy of a Motorcycle Accident: Why you need Mot...
      • Infographic: Reassessing homeowners insurance: A c...
      • Why is my car insurance so high?! Factors that aff...
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