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Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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Are My Personal Possessions Covered?

  Over the years we accumulate lots of personal belongings. These belongings can include furniture, clothing, sports equipment, and jewelry.  Your personal possessions are likely to be worth more than you may think, and should they become lost, stolen, or damaged, you will want to make sure you have enough coverage to help replace them. This coverage is known as Coverage C.   Before you experience a loss to your personal property, it is highly recommended to create a home inventory of your personal belongings in the event you should need to file a claim. The Washington Post reports only 44% of homeowners have taken the time to create an inventory of their belongings. Although creating an inventory of all your belongings can seem like quite a daunting task, it can be quite simple. Start by listing your items, their estimated value, and their make and model numbers if applicable. Update your inventory annually to add or remove items as necessary.   Should you have items of hig ...

Tips to Make Spring Cleaning a Breeze

Spring is here, which means it is time for a good spring clean.  For many, spring cleaning can be quite a dreadful task. However, it is worth doing to keep your home and family safe, clean, healthy, and organized. Here are some tips to make your spring clean a breeze.      De-Clutter: Now is the time to go through the cupboards, pantry, drawers, and cabinets in your home to clear out any expired or unwanted items. It is easy for old or expired items to go unnoticed, so take the time to sort through your belongings and re-organize.   Tackle the refrigerator: This means the inside and the outside. The best thing to do is to remove all items in your refrigerator, along with the drawers and shelves to deep clean everything individually. Before putting the items back in, clean the surfaces which cannot be removed with a sponge.   Clean the windows: Windows are one of the many areas in your home which go unnoticed year-round. Clea ...

Simple Backyard Improvement Tips

Cooler months in Florida are rare therefore, we must take advantage of this time to work on the outside of our homes. Changing the landscaping of your home can give your home and property an updated and fresh look for the new year. Small changes made now, will allow you to enjoy your back yard once the temperatures rise to enjoy entertaining your family and friends outdoors.   Believe it or not, a small backyard can be made to feel larger by dividing the area into two distinct spaces. Experts say adding a simple wall such as trellises or a vine-covered wooden space will allow you to separate the space into two. If your space allows for two areas, it MUST be big. Place your BBQ grill on one side and create a relaxing area away from the grill with lounge chairs and side tables to enjoy your meals with family and friends in a “different” area.   When you can’t go sideways, go up! Consider adding accents to your backyard space such as gazebos, oversized tall planters, or a ...

Home Check-Up Tips

Just as you have resolved to start the New Year in a healthier state, your home may also need its own health check-up. Take this time at the beginning of the year, to review some areas of your home, which may assist your home to run smoother and more efficiently. Here are three places to start your home health checkup.   1)   Change your incandescent bulbs to LEDs or CFLs.  If you still have incandescent bulbs in your home, consider making 2019 the year you update them to LEDs or CFLs. Although slightly more expensive, LED lights last 10 times longer than incandescent bulbs and use less than half of the electricity to brighten your house.  In the long run, you will save money on bulbs, your electric bill, and your home will be the brightest on the block.   2)   Take a good look and listen to your water heater.  Most people do not consider this important appliance until you step into a cold shower.  Make a resolution to flush out your water heater.& ...

Tips to Take the Stress out of Painting

  One of the easiest ways to give your home a fresh new updated look for the new year is with a fresh coat of paint. All the color options, techniques, and equipment available at your local hardware store may seem intimidating, but it doesn't have to be stressful. Painting can be fun! Consider some of these tips to make your painting experience fun and exciting.     Picking your paint and finish Choosing the right paint for your room may depend on the features of the room such as size, focal point, etc.  To make a room look larger than it is, consider painting the room in light colors such as cream or white. Should you choose pastel colors, blues and greens tend to work best in small spaces.  Select furnishings for the room in a similar color as minimizing contrasting colors add to the perceived image of a room.  Should you want a darker color, select paint with a high gloss finish. The shine provided by this type of paint will reflect light and add to the overall look o ...

Saving Money: Security

If you have ever wanted to find ways to lower your home insurance premium or find additional discounts to your premium, consider adding additional security to your home. All insurance policies are different so be sure to speak to your agent about the cost-effectiveness of installing one of these devices in your home. However, consider the following to potentially save money and protect yourself and your belongings. Smoke Alarm: Adding a device which can alert you of some potential dangers such as a fire or a dangerous gas, can keep you safe. This alarm will let you and all others in the house know when there is a risk and allow time for you and your family to evacuate safely. Security System: Burglaries can happen anywhere and at any time. By installing a monitored security system, you can add to your peace of mind. A monitored security system allows for the alarm to go off for a longer period of time while officers arrive at your home. Installing this may not only keep your family and p ...

Get Organized in 2019

It’s the start of the new year, which can bring about many changes. One way many try to change is by creating New Year’s resolutions as a way of improving themselves.  Should you be looking for a resolution this year, try out being more organized.  Mountains of paperwork, bills, receipts, and countless other documents, stay cluttered on our desks or in our bags. The experts at Good Housekeeping advise the best way to keep track of all your important documents is to sort and keep them easily accessible.    Start by grabbing your piles of papers and decide whether you should keep it, or if it can be destroyed. Typically, paperwork and credit card statements over one year old can be discarded. After you have your assortment of documents you do not need, be sure to shred them before you throw it away. Whether you have a shredder or are doing it manually, be sure your personal information is left on the document to prevent identity theft.   The next step is to ...

Keeping your Identity Secure Over the Holidays

Around this time of year, the holiday sales are at their prime while everyone is gearing up to buy presents, decorations, and other goods. Criminals count on the holidays to find easy targets for scams and theft. Here are a few things to look out for:   Keep an eye on your receipts and statements:  It’s a great reference to verify unknown charges on your accounts. Should something appear incorrect, contact your financial institution immediately.   Charity Scams: Do your research before donating to a charity, especially during the holiday season. If you’ve never heard of the organization, it is best to do a quick search online to be sure it is credible. This is often the time of year where we see a rise in charity scams.  If you’d like to give back this holiday season, contact the charity of your choice directly to find out how you can donate, or volunteer with their organization.   Protect Yourself Online:  When shopping online, try to shop ...

Fire Safety for the Holidays

The holidays are a time to create memories with family and friends, however, you do not want your holiday season to be memorable for the wrong reasons. Household fires during the holiday season are more frequent, deadly, and costly than any other time of the year. To ensure a safe holiday season for all, keep these tips in mind: Cooking Holiday celebrations are not complete without a delicious feast; however, it is important you take precautions against cooking fires. Keep flammable items away from the stove, oven or other conductible appliances, and never leave a hot stove or oven unattended. Decorations Holiday decorations and string lights can be dangerous if not assembled or used properly. Be sure to inspect your string lights and throw out any with any cracked bulbs or frayed wires. For all electric decorations, be sure to not overload extension cords and turn off all lights and decorations before leaving your home or going to sleep. Also, consider purchasing decorations which ...

Blast into the New Year Safely

New Year’s Eve is a popular day for fireworks displays, as everyone enjoys blasting off into the new year. As fun as setting off your own fireworks display can be, it could easily become dangerous should safety precautions not be in place. Fireworks used incorrectly can lead to some serious injuries. In preparation for your upcoming New Year’s celebrations, Florida Peninsula would like to share the following fireworks safety tips: Obey your local laws. If fireworks are illegal where you live, do not use them. Designate a responsible adult to set off fireworks. Always place fireworks on a level non-flammable surface. Shoot fireworks off in an open area, away from spectators and flammable materials. Do not point or throw fireworks at another person. Adults should supervise young children around fireworks and sparklers. Avoid re-lighting or pick ...