Category Archives: Business
Your Homeowners Insurance May Provide Off-Premises Protection, But Policy Limits Differ, Says I.I.I.
NEW YORK, February 28, 2012 — Whether you are downsizing to a smaller home, safeguarding heirlooms after a death in the family or are simply a packrat who has accumulated too much stuff, many find storage units, including portable on demand storage (PODS), offer a useful solution for dealing with extra belongings. In fact, the Self Storage Association notes that one out of every 10 households in the U.S. currently rents some kind of storage unit. While storage units may be the answer to de-cluttering your home, adequate insurance coverage is the answer to protecting items while in storage, according to the Insurance Information Institute (I.I.I.).
- Look for a secure facility. Fencing that secures the entire property and access control are the very minimum that a storage business should offer.
- Consider the safety of the immediate area surrounding the facility. Does the storage building have onsite security features such as 24-hour video surveillance cameras and coded security pads to access the building? If so, does the code work only for your floor or for the entire facility? Are there video cameras throughout the building or just at the entrance? An informed manager should have the answers you need.
- Look for a unit with climate control options. This will ensure your appliances and furniture are not in a harmful environment. Very high or low temperatures, as well as dampness can quickly damage these items. Make sure that rising ground water from snow or rain is unable to penetrate your storage unit.
- Select a company that offers insurance along with their space. Find out about the facility’s procedures in cases such as fire, flood, etc. Make sure you fully understand how the insurance they are offering will cover any potential damage. Also, check with your insurance agent to see if your renters or homeowners insurance will cover you. The facility should also have their own insurance to cover damages or injuries that occur within their premises
- Make sure the storage facility is clean and well maintained. If a storage facility is not routinely and thoroughly cleaned, there is a good possibility no one is monitoring for bugs and rodent infestations. Be sure to verify the facility has a permanent, reliable pest extermination contract in place, before you trust them with your things.
- Check out the reputation of the storage company. Check with neighbors or ask the storage company for referrals.
- Information originally published by the Insurance Information Instituteused with permission
Now that you have that hot new smartphone or tablet that Santa brought (or maybe you’ve had one for a while), you are going to do something more than play games and make calls, aren’t you? They’re not called smartphones for nothing. In fact there are literally hundreds of programs or applications – apps for short – that can support and strengthen your knowledge, including lots that deal with health and safety. Where you find them depends on the type of device you have – iTunes exclusively for iPhones, and the Android Market
(market.android.com) or the Amazon Apps Store for most others. Here’s a sampling:
Nutrition: The best apps enable you not only to check the calorie and nutrient content of thousands of products but also to track your diet and weight-loss progress. Try the free MyFitnessPal, available for all devices.
Workout Programs: They can provide daily routines, measure progress, provide streaming video classes and even act as a pedometer using GPS to track your location. Try the free, Wall Street Journal recommended Cardio Trainer. (Always consult a doctor before starting an exercise regime.)
First Aid Guides: For a good, all-round guide that includes advice on giving CPR, try Pocket First Aid and CPR from the American Heart Association. It’s available on most platforms and costs $3 or $4.
For a free alternative, consider WebMD or the well-rated Everyday First Aid.
Other Useful Apps: Whatever your safety need, there’s almost certainly an app for it. For example:
Safety Button (iPhone) or Emergency + (Android) sends a text message when you’re in trouble or in danger
Medscape (both platforms) – check interactions from a database of 8,000 drugs
Recalls (iTunes) or Recalls.gov (Android) lists consumer products and drugs that have been recalled.
Don’t forget too that most mobile devices also have reader apps that enable you to download and store digital books. They can hold thousands, so you can build up your own first aid or fitness library – and always have it with you!