Holiday Fire and Safety Tips for Your Home

Christmastree_Firepl_LR.jpegThe holidays are a time of cheer and your home will reflect that with all of its festive decor. Here are some tips to keep your home safe from fire during the holiday season:

Kitchen
Since 40% of home fires reported start in the kitchen, ensure smoke alarms are working and can be heard everywhere in the house. If you do not have one, now is a good time to install carbon monoxide detectors since peak CO2 season is November through February.

Holiday Lights
Read and follow manufacturer’s instructions for your holiday light sets. Do not overload outlets and connectors either indoors and outside. Electrical fires often start in the walls of your home, without visible signs. Be mindful and use preventative measures.

Christmas Tree
One in every four December home fires start because the Christmas tree is too close to a heat source. The National Fire Protection Agency (NFPA) suggests having three feet between the tree and any heat source – fireplaces, radiators, space heaters, candles and furnace vents.

Candles
Burning candles should be at least 12 inches from anything else that burns. Always keep candles within your sight. The top three days for candle fires are Christmas Eve, Christmas, and New Year’s Eve  – when distractions are plentiful.

Fireplace
Fireplace safety is critical during these cozy times as well. Have your chimney inspected and cleaned annually – contact Sibcy Cline Home Services for recommendations. Never leave the fire unattended for even the shortest amount of time. And although popular, fire salts and color packets contain heavy metals that can cause intense irritation and illness if swallowed or inhaled.

Fire Extinguishers
Check and replace your household fire extinguishers. Suggested placement for extinguishers are: kitchen, each room with a fireplace and garages/sheds. Practice PASS (Pull the Pin, Aim at the base of the fire, Squeeze and Sweep) and emergency evacuation plans with your family.

Have a safe and wonderful holiday season!

Article courtesy of Sibcy Cline Insurance Services

Sources: United States Fire Administration (USFA), National Fire Protection Association (NFPA), Consumer Product Safety Commission (CPSC)

Sibcy Cline Insurance Services Is Among the Top Largest Area Property and Casualty Agencies

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Sibcy Cline Insurance Services made the Business Courier list of the largest area property and casualty insurance agencies. The company was ranked at #20.

Sibcy Cline Insurance Services tailors insurance programs specifically for each client and represents a variety of insurance companies including Travelers, Safeco, MetLife, Progressive, State Auto, Foremost, ASI, Specialty Underwriting Group, Diversified Brokerage and Marketfinders.

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Dayton, Ohio is an Affordable Place for Homeowner’s Insurance

A Free Term Life Insurance Quote Is Only Easy To Obtain
Dayton is an affordable place for insuring a home! SmartAsset.com ranked the top 10 most affordable market places in Ohio and Dayton was on this list. Average homeowners insurance costs $258 per year in Dayton. (The average for the state of Ohio is $475.)

View the ranking results here.

Interested in obtaining a quote for your home (and auto) insurance? Contact Sibcy Cline Insurance Services! 

 

 

Dayton Has the Best Drivers in Ohio

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Drivers driving you crazy? Move to Dayton. Drivers in this city have been rated as the best in Ohio!

Per a report from an insurance company, Dayton’s drivers are the least likely to get into a car accident. Dayton ranked #34 on the list in the US and #1 in Ohio.

Need help with your auto insurance? Contact Sibcy Cline Insurance Services.

Cincinnati is Among the Top Ten Cities for Car Lovers

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Cincinnati, Ohio made it on the list of the top 10 cities for car lovers. The ranking was conducted by Movoto.com. Factors included: number of car repair shops, car washes and car dealerships – all per capita  – as well as average commute time and number of international car shows. Cincinnati ranked #5.

Cincinnati has the 4th most car clubs and 14th most car shows per capita. The city also has its fair share of dealerships, repair shops and car washes.

What city was number one? St. Louis. (Detroit, the Motor City, did not make the list!)

Do you love your car? I love mine. It is almost 12 years old and is still in great condition. It’s a Jeep Liberty with 112,000 miles on it. I take it to the AAA Car Wash (formerly Rainbow Car Wash) on Madison Road to keep it looking shiny.

See the Movoto.com story here.

Speaking of cars, if you are interested in a competitive bid on your automobile and home insurance, be sure to contact Sibcy Cline Insurance Services.

Ohio is the Second Cheapest State to Drive a Car

Car driver
Per Bankrate.com, Ohio is the second cheapest state to drive a car with a yearly average of $1,970 for gas, insurance, repairs, taxes and other fees.

What state is the most expensive? Wyoming
What state is the cheapest? Iowa

Indiana ranked #26 and Kentucky ranked #37.

See the ratings here.

Want to comparison quote for your automobile and home insurance? Contact Sibcy Cline Insurance Services.

 

Automobile Insurance – It All Started in Dayton, Ohio

Car driver
Did you know the world’s first automobile insurance policy was issued in Dayton, Ohio in 1897?

We usually think of the Motor City (Detroit, Michigan) as the birthplace of the manufacturing of cars. But, Ohio was actually in the forefront of this new technology for transportation.

In 1897, Gilbert J. Loomis was the first person to purchase an automobile liability insurance policy from the Travelers Insurance Company for $1000.00.

Other interesting car insurance facts:

  • Missouri had no driver exam law until 1952. Prior to such laws, people would simply pay ($.50 or so) and walk away with a license to drive.
  • Massachusetts was the first state to require automobile liability insurance in 1927. (Today, New Hampshire is the only state in the U.S. without such mandatory liability laws.)

Article courtesy of Sibcy Cline Insurance Services. Have them quote your automobile and home owners insurance rates!