10 Trick or Treat Safety Tips

There’s no doubt your little ones are beginning to get excited about Halloween. You can’t blame them – what child wouldn’t start counting down the days to dressing up as a superhero, princess or firefighter while also getting free candy?

To make sure your family has the best Halloween this year, here are 10 safety tips:

  1. Never trick-or-treat alone. Always make sure you are either with your kids or they are in a group.
  2. Have a planned route before-hand. If you aren’t accompanying your kids, plan out where they’re going to go with their friends. Tell them what neighborhoods are good, which they aren’t allowed to go to and what’s deemed too far.
  3. Have a flashlight. You want to be able to see that candy right? It’ll also make your trick-or-treaters more aware to other children and drivers on the roads.
  4. Wear comfy shoes. Sure, Spider-Man might not rock sneakers with his outfit but you’re going to want your children to be comfortable for the long walk that night.
  5. Never accept rides from strangers or go inside strangers houses.
  6. Only visit well-lit houses. If a house doesn’t have its porch light on or any other indicators that they’re open for candy, it’s best to skip that house and move on.
  7. Don’t eat any candy that isn’t properly wrapped. A tummy ache will crush your child’s candy-eating dreams.
  8. Don’t run! Those costumes aren’t built for sprinters, so tell your kids to not be in such a hurry to avoid tripping over theirs or others costumes.
  9. Stay on sidewalks as much as possible. Don’t wander into the street and stick as close to houses as possible.
  10. Make sure your child can properly see and move comfortably. It’s fun to put down the cape and cowl of your favorite hero, but make sure they can see and enjoy the night properly and reduce the risk of getting hurt.

Alliance wants to wish everyone a Happy Halloween! We’d love to see your costumes, please share them with us! And you have a funny Halloween story then we’d like to hear that too! Let’s kick off this holiday season with a great start!

Alliance Insurance

 

Do Vampires Need Insurance

Dogs as Ghosts Many people walk around under the illusion that they don’t need insurance. Unfortunately, this illusion is a dangerous mirage that can create a perilous financial future for those who buy into it. In order to show you just how necessary insurance is for every individual, let’s talk about vampires.

Why Vampires?

Okay, so vampires don’t seem very relevant, but consider this: according to modern mythology, not only do vampires sparkle in the sun but they are also immortal, may be able to read minds, can have super strength and speed, and are generally less vulnerable than humans—as long as the sun isn’t out. So if there’s anyone who doesn’t need insurance, surely a vampire would fit the bill, right? Wrong.

Vampire Insurance

  1. Vampires need life insurance. Why in the world would the immortal need a life insurance policy, you ask? Well, even the eternally undead are not impervious to fire, wooden stakes, silver bullets and the errant ray of sunlight. With a life insurance policy, a vampire can easily leave a suitable legacy while also providing the means for a fitting funeral.
  2. Vampires need business insurance. With thousands of years of life stretching before them, vampires must have a perpetual means for generating an income. Their independent spirit would likely create an entrepreneurial streak leading to the creation of their own businesses. Business insurance could help a vampire protect his business against liabilities, cyber theft, content damage and more.
  3. Vampires need home insurance. If a man’s home is his castle, then a vampire’s home is … well … really his castle because, as everyone knows, vampires would totally live in castles. But these castles wouldn’t be empty or filled with cheap furniture. Instead they would be filled with valuable antiques the vampire had collected over her several lifetimes. And, in the bedroom, an expensive casket for spending daylight hours away from the sun. In the event of a fire, theft, hurricane, or other covered peril, said vampire would rely on a home insurance policy to replace the value of her property and rebuild her palace.
  4. Vampires need auto insurance. What kind of car would a vampire drive? Well, one with a sense of irony might decide to travel around in a hearse. Others might prefer a car of regal bearing that complements their strength and power. Whatever car a vampire chooses, late night driving and searching for a midnight snack of jugular could someday result in an accident, theft or vandalism, not to mention the potential of an act of nature to bring destruction. Not only can an auto insurance policy protect a vampire against losses from damage done to his car, but it can also pay bodily injury and property damage liability costs.

The living dead might exist only in the hearts and minds of readers and moviegoers, but the risks that they would be exposed to are real and are faced by mere mortals every day. To get the policies that even a vampire would need, and maybe some they wouldn’t, give us a call today! 616-897-1515

5 Tips for Preparing Your Car for Winter

Fall is just about here and that means the hardest season for your vehicle is around the corner. Winter takes its toll on many drivers, particularly if you haven’t taken the time to do some basic maintenance on your vehicle.

Here’s what you need to know to reduce your risks of getting into an accident in slippery conditions and to help you get more life out of your vehicle.

1. Check Your Tires. First, you’ll need to check the tread-wear on your tires. Take a penny and place it in between your tread, with Lincoln’s head facing up. If you can see Lincoln’s hair, you need new tires. You’ll also need to check your tire pressure to make sure it’s at the optimum level for your particular vehicle. If you live in an area with chronically bad winter weather, you may want to consider purchasing snow tires for the winter season.

Prepared for Winter
Is your Car ready for Winter?

2. Replace Your Windshield Wipers. This is one thing that many car owners miss, and it can have serious consequences. The elements are hard on your wipers, and they should be changed twice a year, in spring and fall. Don’t forget to change the wiper on your back window if you have one!

3. Change Your Oil. As the weather cools down, you’ll need to make sure you’re using the right viscosity of oil. If you change your own oil, check your owner’s manual to make sure you’re using the recommended oil. If you’re having it done for you, just ask the shop to provide you with oil that’s right for winter.

4. Check Your Battery. The last thing you need when it’s cold is to end up stranded somewhere. Take your battery to a shop and have it checked to make sure it’s got enough power to get you through winter. If you’re getting your oil changed, many shops will even throw in a battery check for free.

5. Check Your Antifreeze. After the long, hot summer season, you’ll also need to make sure you’ve got the right levels of water and antifreeze in your car. The ideal mix is 50/50. It’s best to have the professionals take care of this one for you, unless you have experience in checking your antifreeze.

These five simple steps will help keep your car running smoothly all winter and reduce the risk of getting into an accident or needing a tow.

Have more questions on your options for vehicle insurance and what you can do to lower your premiums and reduce your claims? Give us a call today at 616-897-1515

Alliance Insurance