Protecting your family from hidden home dangers

Carbon Monoxide The home is a safe haven that is often impenetrable from the troubles and dangers of the outside world. We don’t often think about the unseen risks that could be lurking in homes, although there are a few gases that can be potentially hazardous to your health. All three of these gases are colorless and two are odorless, so you may not be aware that you could be in danger.

Hidden home dangers in Utah:

  • Radon: Radon is a colorless, odorless radioactive gas that can seep into a home through cracks in the walls or foundation and through other gaps in the structure of the home. According to the Environmental Protection Agency radon “comes from the natural decay of uranium that is found in nearly all soils…and…nearly 1 out of every 15 homes in the U.S. is estimated to have elevated radon levels.” Radon can contribute to the development of lung cancer if one is exposed for long periods of time. Fortunately, testing for radon in the home is relatively easy and cheap. If it is found that you do have radon in your home, repairs can be done either by you or a contractor. Check out the EPA’s Consumer’s Guide to Radon Reduction for more information about radon testing and repair. It is important to note that if you do find radon in your home and you plan on selling it, you will need to disclose this information to the buyers and may be asked to take care of the issue prior to the close of the sale.
  • Carbon Monoxide: We have all heard about the dangers of carbon monoxide in the garage, but it can get into your house through various sources. Carbon monoxide is a colorless, odorless gas that can make you feel dizzy, nauseated and sleepy. If exposed for too long, CO can cause suffocation. Sources that can leak CO include gas space heaters, chimneys, furnaces and gas generators. Most new homes and apartments have CO detectors installed, however if your home does not have one, they are relatively inexpensive. To help keep CO levels in your home down, make sure that all gas appliances are in proper working order. Ensure your chimney flues are open and the chimney is clear when lighting a fire and never use a generator in an enclosed space. If you suspect that you have a CO leak or CO poisoning call 911.
  • Natural Gas: You know the smell of natural gas, while colorless, smells like rotten eggs. Natural gas leaks can occur when pilot lights for stoves or furnaces go out. The can also occur when there is a leak or puncture in the line. Natural gas is a highly combustible material, so if you suspect a leak, you’ll want to leave your home and call the gas company. They will send out a technician to shut off the gas and determine the problem.

While these gas intrusions do not happen often and can be remedied quite quickly, being prepared with carbon monoxide monitors and testing for radon can help stave off a potentially hazardous situation before it starts. Ask the local insurance experts at Archibald Insurance Agency in Salt Lake City, UT about any discounts for which you may be eligible. They can assist you with discounts, amending an existing policy or setting up a new policy. Visit their insurance website 24/7 to learn more about home insurance or the other insurance products they offer like auto insurance or flood insurance.

independent agent salt lake city

Five great reasons to try an independent insurance agent

We live in the digital age. We can get instant results like game scores, recipes and silly videos at the touch of a button. You can also get instant quotes for auto insurance, home insurance and more from specific carriers, but what you can’t do is have someone make sure that you are getting the best insurance rates for your situation and needs. That is why having a local, independent insurance agent is a smart idea.

  • Lower rates: A local, independent insurance agent will work hard to save you money. They have the ability to quote from many different insurance carriers and are able to provide you with several carrier options. Since their business is consumer-driven, your agent will provide a level of service and care with which many large carriers cannot compete.
  • Ease of service: Your local, independent insurance agent can service your insurance policies, so if there is a problem there is only one number to call if you have questions about your policy. Your agent also lives in your area so they are able to be honest and let you know if you really need specialty coverages like flood or earthquake.
  • Adaptability: Did you get a new car, buy a house or get a boat insurance policy? Your local, independent agent can assist you with all of that. Your agent is able to quote multiple types of insurance coverage like personal umbrella or business insurance as your needs change over the years. They can also update your existing policies with ease.
  • Jargon: Your local, independent insurance agent is an expert when it comes to the insurance world. If you are confused to the meanings of Comprehensive, UMBI, PIP or any of the other coverage options, your agent will be able to explain your coverage in plain, easy-to-understand language. When you purchase any type of insurance, there are a lot of ins-and-outs to consider, your agent will be there to walk you through your coverage and make sure that you understand what may or may not be covered.
  • They have it all: It bears repeating: a local, independent insurance agent is a one-stop shop. They offer auto, home, boat, motorcycle, renters, flood insurance and the list goes on. If you are looking for a coverage that they do not offer, your local, independent insurance agent can recommend a carrier who can assist with your needs.

When looking for insurance, consider your local, independent insurance agents in Salt Lake City, UT – Archibald Insurance Agency. They offer personal insurance coverages for your home, vehicle and “toys.” Give Archibald Insurance Agency a call today or visit the insurance website 24/7 to see the difference of working with a local, independent agent.

Auto Insurance Discounts – Do you qualify?

We have all heard the auto insurance commercials talking about the discounts this insurer or that insurer offers. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts that drivers are not aware of. We have compiled some of the most common auto insurance discounts below. Could you be saving money with these discounts?

Auto insurance discounts in Utah:

  • Multi-policy: Bundling multiple polices like auto insurance, home and boat with the same insurance carrier can save you some money.
  • Good or distant student: If your student keeps their grades above certain level (as designated by the insurer) they may be eligible for a good student discount. The insurance carrier will need proof, typically sending a transcript will suffice. If your student is attending college at a distant (typically more than 500 miles from home, but that varies by carrier) you may be eligible for a discount on the vehicle since it may not be driven as much.
  • Education level: Like an extension of the good student discount, drivers who hold advanced degrees, like a bachelor’s degree, may qualify for a discount.
  • Defensive Driver: Taking a carrier approved defensive driving course could earn you a discount on your auto insurance policy. Check with your insurance agent, as this type of discount may be limited to certain age groups.
  • Multi-vehicle: Like a multi-policy discount, insuring multiple vehicles with the same carrier may earn you a small discount.
  • Green vehicle: If you drive an electric or hybrid vehicle, you may be eligible for a discount. Ask your agent to see if your vehicle qualifies.
  • Anti-theft: Vehicles with anti-theft systems statically tend to be stolen less often, thus a lower risk. You may be entitled to a small discount if your vehicle meets the criteria.
  • Anti-lock brakes: The anti-lock brake feature is standard on almost all new vehicles. Check with your insurance agent to see if your carrier provides a discount for anti-lock brakes.
  • Safe driver (accident free): Many major insurance carriers will award safe driving discounts to drivers who have been accident free for a number of years. The criteria varies between insurance carriers.
  • Military: Active and veteran military members are often eligible for discounted auto insurance. Ask your insurance agent to see if you qualify.
  • Early quote/signing: If you are looking to change insurance carriers or upgrade your auto insurance, getting a quote (and signing up) before your current policy has expired may get you a discount. You may need to get a quote within a certain number of days prior to your policy expiration, so check with your agent.
  • Paid-in-full: You’ll see the discount reflected in the price when you are presented with your options for paying your auto insurance policy. Paying off the policy in full will cost you a little less than paying every month.
  • Paperless: Don’t want to get a paper statement? Great, you get a discount. Most major insurance carriers offer discounts for customers who choose to do automatic billing and receive emails rather than paper statements.
  • Loyalty: Sticking with your insurance carrier for three or more years could earn you a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

While most of these discounts are small, a few added together could amount to some real savings. Be sure to speak with your Archibald Insurance agent today the discounts that may be available to you. For more information about Archibald Insurance Agency in Utah or the insurance products we offer like home insurance and RV insurance, visit our insurance website 24/7.