Prevention on the outside
Be sure to carry out certain fire protection measures before a fire starts:
- Create “Defensible Space” – Remove flammable vegetation from around your home or structures and replace with fire-resistant plants. This safety zone for firefighters should be at least 100 feet. Also, clear away dead leaves and debris from your roof and gutters.
- Mark road signs and buildings clearly – Fire-fighting personnel must be able to immediately locate and safely travel to your home or business in order to protect it.
- Establish an emergency water supply – Keep a minimum of 2,500 gallons of water (roughly the size of an above-ground pool, 10 feet in diameter) available to firefighters.
- Make your home and buildings fire safe – Modify your structures to resist fire damage. Siding materials such as brick and stucco resist fire much better than wood. Also, build or re-roof with fire resistive or noncombustible materials (Class A offer the best protection).
Prevention on the inside
Fires are caused by a combination of fuel, air and heat. Therefore, removing one of the three elements is key in preventing devastating fires. Beware of fire ignition sources such as:
- Electrical – Many fires result from defects in, or misuse of, the electrical system. Wiring may fail due to faulty installation, overloading, physical damage, aging or deterioration. Inspect all exposed wiring regularly. Make sure heating units are working properly.
- Farm machinery – Equipment fires may be the result of defective fuel or ignition systems, smoking, overheated engines, sparks from exhaust or grinding equipment, or improper refueling. Turn off the engine and allow it to cool before refueling. Repair leaks in fuel lines, pumps and filters. Use and store fuels properly. Keep them in well-ventilated areas.
Scurich Insurance can help protect your farm with Business Insurance as well as keep you informed with Safety Services.
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Your farm is probably the single biggest asset you have and provides your livelihood and security for your family. Farm insurance can repair or replace your farm buildings, equipment, livestock and crops in the event of a disaster. Agricultural business insurance can also protect you and your family in the event of a liability lawsuit due to a consumer safety issue, a farm visitor or trespasser’s injury on your land.
There are 3 primary factors in deciding which type of agriculture insurance you need, and the agricultural insurance company that can best provide it. Here’s what you need to consider:
1. The type of farm and type of agricultural business you own.
2. There are full or part-time employees.
3. The presence of farm outbuildings and equipment inventory on your property.
Assess your current insurance situation
If you already have a homeowner’s insurance policy, it will not cover any buildings except your home, unless you have a rider to that effect. It also will not cover your farm equipment, livestock or crops; and it will not provide liability protection outside a certain distance from your home. If you do have insurance for your farming operations, meet with your agent and discuss your policy, line by line, to determine that you have adequate coverage for your business.
Scurich Insurance provides Agriculture Insurance. Contact us for a quote at 831-722-3541
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320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
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For many individuals, after buying a house or car, renting an apartment, or changing jobs, insurance is the first thing most consumers think about. To avoid risk, getting insurance quotes from insurance agents to immediately implement full coverage to a homeowners, auto, renters or health insurance policy, is a must. You need insurance just in case something ‘bad’ happens. But paying too much for insurance can be quite costly.
With good reason consumers pay close attention to their insurance coverage, although over-insuring becomes the problem because they are not thinking about the risks of going overboard on coverage. Evaluating individual insurance needs is all about making smart decisions that are not related to the benefits of purchasing high risk insurance. In the long run, consumers end up paying too much for insurance when they do not have to.
The two mistakes many consumers make:
- Trying to insure everything instead of finding an alternate solution for coverage.
- Believing that full coverage applies to every little detail relating to a property, car and so on.
As an example, if a homeowner owns a number of valuables such as jewelry, collectibles, etc., instead of purchasing more insurance to cover the valuables in case of a burglary, perhaps purchasing a safe would be the better decision.
Also keep in mind, consumers are not able to cover every minor mishap because the chance of it happening is slim and insurance rates would be sky-high. For instance, on many consumers’ auto insurance policies they will not find coverage for protection against a lawsuit from a passenger that was injured while riding in their car.
Scurich Insurance can help you Manage Risk and get covered with Personal Insurance.
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Your need for life insurance will vary with your age and responsibilities. The amount of insurance you buy should depend on the standard of living you wish to assure for your dependents. You should consider the amount of assets and sources of continuing income available to your dependents when you pass away. Simply stated, you should choose an amount of life insurance that is determined necessary to meet the needs you are trying to satisfy.
Steps To Determine How Much Life Insurance You Need:
1.Determine how much life insurance you need based on the factors mentioned above.
2.Decide how much money you can afford to pay.
3.Choose the type of life insurance policy that meets your coverage goals and current family budget. Fitting these two factors together will move you toward a successful overall financial plan.
Scurich Insurance can assist you with your Life Insurance needs.
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
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