Taming the Holiday Flames

Holiday season is finally upon us and although this means everything great from gifts to reuniting with friends and family for festive parties, it is important to acknowledge the increased risks surrounding holiday activities and to take the time to responsibly safeguard against them.

            Nothing competes with a cozy fire as the crown jewel of any homely winter night, but make sure to take a few precautions before settling down to crack open that good book. Fist off, remove stockings or decorations from directly above the fireplace as they are often flammable and can be subject to overheating. Also, always use a fire screen to prevent sparks or flares from escaping the chimney into your living room. Candles are also a common cause of fires during the holiday season. Ensure that all the candles in your home are secure from being easily knocked over. The U.S. Fire Administration claims that over $990 million dollars worth of damage is done during the holiday season due to fire.

            It is equally important to make sure that none of your electrical outlets are overloaded with plug-in decorations. Make sure that there is a UL mark on any electrical decoration you. This indicates that the item has been evaluated by Underwriters Laboratories and has passed all the organizations standard safety tests. Never run cords under a rug. They can be continuously stepped on and any fray that occurs will not be visible and known to you.

            If you are planning on having small children in your home during holiday season, kitchen safety can be of paramount importance. Make sure to keep the handles of all active pots and pans turned in toward the back of the stove in order to prevent them from being grabbed by a curious child. Don’t leave cooking food unattended if children could possibly be wondering in, and the same goes for knives or any other sharp utensils.

            Call your local insurance agent in Reading MA at 888-865-1244 today to learn more or if you have any questions regarding your coverage, or visit us at www.encharter.com to view our full line of MA Personal Insurance, including Reading MA Homeowners Insurance, Reading MA Car Insurance, Reading MA Life Insurance and Reading MA Umbrella Insurance.

            And remember, At Encharter, “It’s all about protecting you!”

Is it your Dream Car, or your Mechanic’s?

In the market for a new car? Well before you go out and fall in love with just any slick, new vehicle, we recommend you make sure you’re getting the right bang for your buck by checking out the latest by ConsumerReports.org on automobile quality. The newest report, Consumer Reports’ Most Reliable Cars, features comprehensive explanations of why vehicles rank the way they do.

            For the most part, all of the major Asian car manufacturers that have been noted for reliability in the past are continuing to stack up well. Toyota, Honda, and Acura are more than safe bets if you are looking for cutting-edge modern design, backed by superior dependability and relatively low maintenance costs.

            However, the American owned automaker Chrysler came in this year with the lowest ranking in regards to reliability, with only the Dodge Ram 1500 coming recommended by Consumer Reports. But calm yourselves ardent supporters of the American auto industry, for both Ford and GM made impressive gains this year, with scores of vehicles coming highly recommended. Of these cars, the Ford Fusion had the most impressive test scores. On the other hand, European luxury brands BMW and Audi had some of the worst ratings overall.

            No matter what you drive, it is always important to make sure your insurance needs are fully met. At Encharter Insurance we want to feel confident that your Reading, MA Auto Insurance is protecting you. So visit us at www.encharter.com or call 888-865-1244 to speak to your local Encharter Insurance agent today. Also, make sure you inquire about the discounts associated with combining your Reading, MA Auto Insurance and Reading, MA Home Insurance.

            And remember, at Encharter, “It’s all about protecting you!”

Falling in Autumn

Its late September and although the calendar will tell you it’s autumn, many of us are continuing to have no problem slipping out of the house in shorts and t-shirts several times a week. Yes we are coming out of the tail end of one of the hottest summers in recent memory, but before you start throwing ice in the cooler and applying your SPF of choice, take a look around and you’ll be sure to see a few signs that autumn is surely creeping in.

            The Patriots are back in the spotlight, pumpkin salesman are back on the grind, and if you hadn’t noticed… ACORNS ARE EVERYWHERE! That’s right: it is not your imagination. Not only are acorns more abundant this fall, but they are actually larger as well.

So what’s the explanation? According to WBZtv, the heavy spring rain gave the oak trees the fuel needed to produce such corpulent fruit, and the advent of the bi-decadal oak tree reproduction process in which a larger than normal acorn crop is churned out.

Although this phenomenon may be the greatest thing to happen to squirrels since the first “pie on the windowsill” routine, it can actually be quite a nuisance for the rest of us. Whether you are a regular jogger or just taking a stroll through the yard with a friend, it only takes one false step to become the victim of a “slip-and-fall” accident.

Protect your family and yourself against these all too often occurring accidents by reviewing your Reading, MA Homeowners Insurance policy with your local Encharter Insurance agent today. Call us at 888–865-1244 or visit us online at www.encharter.com to find out what Encharter can do for you, we look forward to assisting you!

At Encharter, “It’s all about protecting you!”

To Schedule? Or, Not to Schedule?

Last night while staring at the big blank wall in my living room, I got the brilliant idea that I wanted to fill the white space with some original art work (and by original art work, I mean I was going to attempt to inspire myself to paint something). I marched on over to the local craft store to buy a couple of canvases. In my search to find the perfect canvas size and style to quench my (newly established) artistic craving, I noticed a man waiting at the custom framing counter, selecting a frame to host his latest piece: an oil painting of a Swiss glacier depicted by an endless palette of colors.

While assisting with the framing selection, naturally I was invited to help; it occurred to me the incredible invaluable worth of an original piece of artwork. And although, if a loss should occur to such a piece (whether your own or an original Manet), it would be essentially irreplaceable, it is still important to schedule such an item on your Reading, MA Homeowner’s Insurance.

If you are unsure whether you should be scheduling various items: artwork, jewelry, priceless collections or items, call your local Encharter Insurance agent today! Call us today at 888-865-1244 or contact us via the web at www.encharter.com. And while you’ve got insurance on your mind, it wouldn’t hurt to make sure that your Reading, MA Car Insurance and Life Insurance Reading, MA have you properly covered. Also, see what Encharter is up to on Facebook, Twitter and LinkedIn and get in touch with us there!

Stoneham Town Day 2010

This weekend, join Encharter Insurance at Stoneham Town Day 2010! Visit our booth between 11:00am & 4:00pm to enter our free raffle for a night out and for the kids to “fish” in our mini duck pond for a prize! Additonally, we will be available to answer any questions that you may have concerning MA insurance or Social Media Networking.  

Check out more info about tomorrow’s event below:

http://www.stonehamchamber.org/

http://www.stonehamchamber.org/home/townday

We hope to see you there! And if you can’t make it, don’t worry! You can still call us any time at 888-865-1244 or visit us at www.encharter.com or at our Reading, MA Insurance location. Additionally, you can find us on Facebook, Twitter and YouTube.

New MA Texting Ban to Take Effect in October

Do you ever leave the house feeling like something is completely amiss but you can’t put your finger on what exactly it is? I experienced this very recently and I seriously felt as though, if I could lose a limb, I was missing an arm. And would anyone like to take a guess as to what I actually had been missing? My cell phone! And I was in my car when I realized it…so you know what I did? I turned around to pick it up!

Saying something like, “I feel incomplete without it” is what you would say about your spouse, not an electronic device. But the reality is, in this day and age, we have developed such a dependence upon our cell phones and, when it comes to driving, it’s become dangerous. So legislators in Massachusetts are attempting to do something about it. According to an article on Boston.com, beginning in October, a texting while driving ban will take effect. The article continues, “The texting ban covers e-mailing, Internet searching, and other non-calling activity on a phone, laptop, or handheld electronic device by anyone operating a motor vehicle.” If you are found to be in violation of this new law, you will be fined, but “the offense will not be considered a moving violation and will not result in an insurance surcharge.”

For more information about this new law, see the article and visit the MA Legislative website.

Of course, if you have any questions about Reading MA Car Insurance, Reading MA Homeowners Insurance, Reading MA Life Insurance or Reading MA Business Insurance, we’d love to help! Contact your local Encharter Insurance agent today. You can call us at 888-865-1244, you can visit our virtual insurance office at www.encharter.com or you can visit our office for insurance in Reading MA. And now, be sure to find us on Twitter© and Facebook©!

At Encharter, “It’s all about protecting you!”

Get Rid of that Dryer Lint or Else!

By unplugging electronics when a thunderstorm is coming, keeping matches away from kids and not leaving burning candles unattended and regularly checking the batteries on your smoke detectors, you are making a great effort to prevent a fire in your home. However, when was the last time that you thoroughly cleaned out the dryer lint from your dryer?

Beyond the regular cleaning of the lint screen after each load, it is important to clean out the outer duct, located on the outside of your house, and the compartment where the actual screen goes when the dryer is running. Neglecting to do so can result in a serious fire: the dryer lint can begin smoldering without you even knowing it and then spontaneously burst into flames.

For more tips on fire safety, click here! And if you have any questions about your Wilmington, MA Homeowner’s policy, Wilmington, MA Car Insurance, Wilmington, MA Auto Insurance, Wilmington, MA Life Insurance or Wilmington, MA Business Insurance, we’d like to answer those questions as well! You can call us at 888-865-1244, visit our virtual insurance office at www.encharter.com or you can visit our office for insurance in Wilmington, MA. And now, you can find us on Twitter© and Facebook©!

At Encharter, “It’s all about protecting you!”

Importance of Pool Safety

If you are from the Eastern MA area, you probably heard about the tragic incident that occurred last weekend. On Saturday morning, twin sisters Veronica and Angelina Andreottola of Lynnfield tragically drowned in their family’s pool. It is suspected that the toddlers somehow opened the electronic pool cover but the details are not yet clear. To read more, click here.

It’s terrible that we need a reminder like this to bring our attention to pool safety and not just on having fun in the sun. Whether you own a pool or not, it is important to be aware of the risks that come with swimming pools and the ways that you can keep your family and friends safe this summer. Click here to read about some critical pool safety tips that are not to be overlooked.

Accidents do happen and it’s important to prevent them to the best of your ability. While you are looking for the best ways to protect the people you care about, it is also a good idea to make sure that you have the proper liability limits in place; especially if you have a pool on your property. It is a good idea to talk to your Encharter Insurance agent about considering the addition of a MA Personal Umbrella policy to your MA Homeowner’s Insurance policy.

To speak with someone about your questions and concerns regarding your MA Homeowner’s policy and the coverage you should have, please call your local Encharter agent today! And if you have any questions about Massachusetts Car Insurance, Massachusetts Life Insurance or Massachusetts Business Insurance, we’d like to answer those questions as well! You can call us at 888-865-1244, visit our virtual insurance office at www.encharter.com or you can visit our office for insurance in Reading, MA. And now, you can find us on Twitter© and Facebook©!

At Encharter, “It’s all about protecting you!”

Distracted Driving Facts and Tips

The recent ban on texting in MA while driving, brings up the issue of distracted driving.  There are plenty of opportunities, aside from texting, to become distracted. Ranging from internet use and “app” purchasing on Smartphones to entering an address into a GPS, Encharter recommends that you drive safely by pulling over to a well-lit parking lot or shoulder on the side of the road, or even a gas station, before using these electronics.

According to CNBC, an experiment was conducted by Car and Driver Magazine to show just how much distracted driving can impair your abilities; maybe even more so than drunk driving! These were the results for reaction time for braking:

• Unimpaired: .54 seconds to brake
• Legally drunk: add 4 feet
• Reading e-mail: add 36 feet
• Sending a text: add 70 feet

 

For those of you that still aren’t convinced that distracted driving is dangerous, look at these additional facts and articles (and even a film if you are interested!):

The Transportation Safety Group at the National Safety Council found that distracted drivers account for nearly 80 percent of car crashes.

“In 2008, nearly 6,000 people died in crashes that involved distracted driving.” – National Highway Traffic Safety Administration

The 2008 Chatsworth train collision in LA

MBTA: Conductor in Boston trolley crash was texting his girlfriend

COW – “It’s all about Cassie COWan – a nice girl from a nice Gwent valleys family – who kills four people on the road because she used her mobile and lost her concentration for a few seconds.”

At Encharter Insurance, we want you to be as safe as possible on the road and avoid dangerous driving habits. If you have any questions about Reading Car Insurance, Reading Life Insurance, Reading Homeowner’s Insurance or Reading Business Insurance, we’d like to help! You can call us at 888-865-1244, you can visit our virtual insurance office at www.encharter.com or you can visit our office for insurance in Reading MA. And now, you can find us on Twitter© and Facebook©!

Fourth of July Safety Tips

Happy Independence Day! The Fourth of July is almost here and you are probably working on finalizing your weekend plans, or if you’re lucky, you are already enjoying your long weekend.  Whether you are heading to the city to see the fireworks, the coast for some quality beach time or just down the street for the annual July 4^th block party, it’s critical to be aware of the hazards that can come with the star-spangled festivities.

First of all, many people will be spending a good amount of time outside. The forecast looks sunny and hot and you may not remember to put on sunscreen. On the shore, on a boat or in your own backyard, you still need to apply sunscreen in order to protect yourself from the increasingly harmful rays. For more info, click here!  

Also, be careful with open flames from a campfire, some sparklers, etc., and know the laws in your town (and state) regarding this type of recreation. Especially if you are heading up to New Hampshire, please be careful with fireworks and be aware of the safety guidelines listed both here and on the packaging itself. Generally speaking, it’s a good idea to keep kids and pets away from the flames and to keep either a large bucket of water or a garden hose close by. For more safety tips for building your own campfires, click here.

Lastly, if you will be barbequing this weekend, it’s important to be cautious with perishable foods (meats, dairy, produce, etc) from transportation to cooking to actually serving. It’s surprising just how easily food can go bad in the summer heat and the last thing that anyone wants to deal with is getting a food-borne illness over the holiday weekend. Click here for more tips on safe food handling.

Happy Independence Day from everyone here at Encharter Insurance! As always we want you to be safe, responsible and have a great time celebrating this Fourth of July!

If you have any questions about Wilmington Car Insurance, Wilmington Life Insurance, Wilmington Homeowner’s Insurance or Wilmington Business Insurance, we’d like to help! You can call us at 888-865-1244, you can visit our virtual insurance office at www.encharter.com or you can visit our office for insurance in Reading MA. And now, you can find us on Twitter© and Facebook©!

At Encharter, “It’s all about protecting you!”