Farmers Boat insurance

Boat Insurance. 
A specialized insurance for your boat and coverage for towing and assistance so you'll never be stranded on the water or on the side of the road. Visit this website to see more.

http://www.farmers.com/recreational/boat/

Farmers Insurance Commercial

Renters Insurance

College students planning to live in a dorm or rent an apartment for this upcoming semester might want to check into getting a renters insurance policy. This will cover any of  your personal belongings inside the residence your renting including furniture, books or computers. So in the case of a break in or fire all of your personal belongings (anything not attached to the apartment or dorm) will be covered. Its way cheaper to pay $10-$20 a month for the renters insurance rather than to risk having to buy all new things out of pocket.

Y.E.S Teen Driving Program

If you have a teen driver, you’re concerned about their safety. So is Farmers. That's why we developed the Y.E.S. (You're Essential to Safety^®) Program. 

Y.E.S. Teen Driving Program 
Have your teen complete the Y.E.S. program then log on to My Farmers to complete the Teen Driving Safety course. In order to qualify for available discounts, your teenager will need to watch the video and complete the follow-up questionnaire designed to check understanding of driver safety (only your Farmers agent can review this questionnaire with you).
http://www.farmers.com/parents_yes.html

Drowning doesnt look like drowning!

Drowning Doesn’t Look Like Drowning

http://mariovittone.com/2010/05/154/

This enlightening article on what drowning looks like may change the way you watch your children the next time they go swimming.

Why Farmers Auto insurance is a smart choice

• Professional insurance agents right in your neighborhood
• One-stop shopping, one company
• Great savings with discounts
• HelpPoint® Claim Services available 24 x 7
• Convenient paperless policy documents, paperless billing and convenient online bill paying methods

We know that you want to be the one making the choices about your insurance. With Farmers, you can choose a local agent who offers insurance coverage for the things that matter most to you - car, home, motorcycle, boat, life and small business - all from the same agent.

Auto insurance helps protect you and your family in the event of an accident or other loss. It covers injuries and damages caused by an accident and for which you are legally responsible. It may also cover the cost of repairing or replacing your vehicle if it is damaged or stolen.

Know that Farmers is committed to serving you, with unparalleled customer and claims service.

A Farmers agent is dedicated to provide value for your insurance dollar. Your agent can tell you about all the Auto insurance discounts that may be available for you.

Start by getting a quick, convenient free online Auto insurance quote. Also, enjoy the convenience of purchasing your Auto insurance online.

Whether you purchase a policy or just get a quote, you can still work with a local Farmers insurance agent to select coverage for your needs and budget.

The Farmers Mobile Claims Center

The Farmers Mobile Claims Center is now operating at First Baptist Church in Moore, Oklahoma, located at 301 NE 27th St. until 7:00 this evening. Volunteers are there to assist customers and those in need. You can also follow Farmers’ response on Twitter at @Farmers-response.

We've created a Google Place to easily locate this location.http://goo.gl/maps/NWbDg

To file a claim use the iclaim app, go to www.hpcs.com, www.farmers.com, or call HelpPoint at (800) 435-7764. If you have already filed a claim, you can check the status of it quickly by going to www.hpcs.com.If you know somebody in Oklahoma, please share this information with them.

Life Insurance for Kids

Life insurance for kids.

I saw an add from Gerber life advertising 50,000 in life insurance on your kids for $2.17 per unit a month. I thought wow that is cheap, until I multiplied 2.17 by 50... 

You CAN insure your children for under $20 a month and lock that rate in for the rest of your child's LIFE. Contact me today and I will tell you what it costs. No medical exams for most children. Applications are FREE.

Fire Safety Tips & Smoke Detectors

Fire safety tips

• Make sure all family members know how to dial 911 in case of an emergency.
• Have at least two exits from every room in your home. Invest in fire escape ladders for upstairs bedrooms.
• Go through a practice drill every six months. With the whole family, practice what to do in a fire emergency.
• Assign a tree or other landmark where family members can meet after they escape the burning house.
• Teach children never to go back in the house. Train them not to hide from fire under beds, in closets or other places where rescuers cannot easily find them.

Smoke Detectors

The importance of smoke detectors cannot be overestimated. Most fires occur at night, while people sleep. The toxic gases from a fire can numb your senses, disorient you and kill you while you sleep. For this reason, smoke detectors are a must.

Install a detector in every bedroom and keep one centrally located on each floor of your home. Hallways and kitchens are especially good locations for smoke detectors.

• Because smoke rises, mount smoke detectors either on the ceiling or high on a wall (6-12 inches from the ceiling).
• Don't install smoke detectors by doors, windows or vents, where drafts could affect their performance.
• Test and clean your smoke detector batteries about once a month. You'll need to replace batteries about once a year.
• Never paint your smoke detector unit -- it might clog its smoke detecting sensors.
• Gently vacuum your smoke detector and keep it free of dust and other foreign particles that could hinder its function.

Fire Safety: Home

The best way of surviving a fire is to prevent it from happening in the first place. Here are some tips:

• Keep your home free of oily rags and trash build-up. Gasoline and other flammable liquids should be stored in approved metal safety cans.
• Cleaning materials should be kept in a ventilated area, away from any heat source. Vapors given off by these substances can ignite when they come in contact with a heat source, such as a pilot light.
• Check lamps, appliance cords and light switches to make sure there is no faulty wiring. Never overload electrical circuits.
• Allow adequate ventilation space around televisions, stereos and other entertainment equipment.
• Teach your children not to play with matches. Keep matches in a closed metal container away from heat sources and out of the reach of children.
• Never smoke in bed. Carelessly discarded cigarettes are the leading cause of fire deaths in the United States.
• Remove all weeds, tree branches and litter from your yard.
• If you have a fireplace, make sure it is properly screened and install a spark arrestor with at least a half-inch mesh on the chimney.
• Daily household trash should be kept in a covered can away from any heat source. Recycle newspapers frequently.
• Be a careful cook. Never wear long sleeves when you cook -- they can catch fire. Keep the handles of your pots turned inward, so the pots can't be knocked over. Never put foil or other metals in a microwave oven.

Happy Mother's Day from Mr.T :)

http://www.youtube.com/watch?v=0Y73l1L9iW4

14 Little-Known Facts About Auto Insurance

14 Little-Known Facts About Auto Insurance & The Factors That REALLY Determine Auto Insurance Rates

Sneak peek at our newest TV commercials.

http://farmersin.http.internapcdn.net/farmersin_vitalstream_com/ADE/communications/Suds.html
http://farmersin.http.internapcdn.net/farmersin_vitalstream_com/ADE/communications/AutoSmarts.html

Copy and paste one of these links into your URL to view the commercial!

The individual market for insurance in 2014

   If you cannot obtain insurance through your employer or through  your spouses employer then the individual market will provide the same coverage as your would get through a group policy. With Obamacare, policies will still be regulated by the states, but the policies are required to provide minimal essential benefits, such as mental health and maternity coverage, the bad news is it will cost more because it has the taxation of health insurance and overhead allowances to insurance companies.

 Finally, price is determined only by four criteria:

1. Age – older people will not pay more than three times the amount younger people pay.
2. Premium rating area – high cost health areas will have more expensive insurance than low cost areas.
3. Number of family members getting coverage.
4. Tobacco use – this is the only lifestyle factor that is allowed to be considered.

Employer based Health Insurance 2014

       Something to start planning for....

         Starting in 2014, most people will be required to have health insurance or pay a penalty if they don't. Coverage may include employer-provided insurance, coverage someone buys on their own, or Medicaid. The penalty for people who forgo insurance is the greatest of two amounts: a specified percentage of income or a specified dollar amount. The percentages of income are phased in over time at 1% in 2014, 2% in 2015, and 2.5% starting in 2016.
      As far as employer based insurance, companies with more than fifty employees are required to offer health insurance or pay a fine.  There will be four premium packages offered according to the new Healthcare reform law: Bronze, Silver, Gold, and Platinum. Affordable Care Act (ACA) requires Insurers to offer plans within these four levels of coverage, although they don't have to offer all the plans they must offer at least one silver and one gold package and each plan must cover the minimum essential health benefits. The bronze, will cover 60% of health expenses. The Silver will cover 70%. The Gold will cover 80%. And the Platinum will cover 90%, leaving the insured only having to pay  %10 for their covered benefits.
        Some challenges consumers may face with these standardized choices would be, for people who have high health care costs there are significant implications for the plan level they choose. Gold and platinum level plans will have lower deductibles, co-payments and co-insurance for health care services, but will likely have higher monthly premiums. Conversely, bronze and silver plans will have lower monthly premiums, but could expose consumers to significant out-of-pocket costs for each health care service over time.

Summer auto care: Protect your vehicle from breakdown

According to the National Institute for Automotive Service Excellence (NIASE), "the greatest cause of summer breakdowns is overheating. The biggest problem seen during the summer time is air conditioning units.  Air conditioners usually break down due to an improper amount of Freon in the unit or leaks in the hoses. Improper amounts of Freon  are usually due to inexperienced individuals putting too much Freon into their air conditioning units for leaks.  Drivers should also pay attention to their batteries during the summer time, as dry and dusty conditions could take their toll on engine parts. On the other hand, batteries are by nature weaker in the summer and  motorists should  take their batteries into a mechanic to have the battery load (the battery's power) tested, at least, once a year. 

Preventing Outdoor accidents: Trampolines

105,000 Kids are injured each year from playing on trampolines...

-Supervise children using trampolines at all times.
- Avoid jumping too close to springs or frames.
- Don't allow more than one person to use the trampoline at a time.
- Don't allow stunts on the trampoline.
- Do not let children under six to use the trampoline.

Get smarter about home theft prevention.

70 % of thefts are home burglaries. 
Give thieves the slip with these helpful hints: 
- Secure any sliding door. Put a steal rod in the door channel.
- Look into installing a burglar alarm system. Some alarms even link to a law enforcement agency.
- Plant rose bushes in front of your home. Thieves don't like thorns.
- Have a wide-angel door viewer or peephole installed in your front door so you can see whose there.
- Use automatic flood lights and keep the area well lit to discourage theives

Summer Safety Tips: Boating Safety

Every year, about 700 Americans die in recreational boating accidents. Not surprisingly, a disproportional number of those accidents occur in the summer months, when we're more likely to be out on the water. Here are the Coast Guard's top tips on boater safety.
 

Stay Afloat

You've heard it before: Life jackets save lives. According to Coast Guard studies, 90 percent of drowning victims were not wearing a personal flotation device (PFD). Of the remaining 10 percent, many were wearing a model that wasn't designed to keep the head out of the water after the wearer lost consciousness.

Stay Alert

It's a sad fact that 17 percent of all recreational boating fatalities are the direct result of drunk boating, or BUI (boating under the influence)."It's not illegal to drink in boats. The problem is, people often don't know when to stop," says Jennings, whose office has seen accidents in which drunk boaters plowed into bridges, jetties, as well as other boats. "Very rarely is a stone-sober mariner involved in a serious boating accident."In most places, boat operators can be cited if their blood-alcohol content is above .08, though punishments for BUI offenses remain less stringent than for DUI accidents.

Stay in Touch

Cellphone coverage is often spotty; phones can get wet, and batteries can die. A modern VHF marine radio, on the other hand, is a near guarantee that you'll be able to communicate with rescuers and guide them to your exact location in the event of an accident. (A good marine radio runs about $100, provides frequent weather updates and can be connected to your boat's GPS for even greater geographic accuracy.) All marine radios sold after June 1999 have a built-in feature called DSC, or digital selective calling, a button that sends an automatic mayday call with your vessel's name and location. The trick is that your radio must be properly registered, a step that many mariners neglect. Check out this site for a guide to setting up your radio

 
Read more: Boating Safety Tips - Summer Boat Safety Accidents - Popular Mechanics 

Summer safety tips: Campfire safety

To stay safe this summer, follow these guidelines when building your campfire:
- Use existing fire rings, a fire mound or fire pans to build your fire.
- Keep fires a safe distance from dwellings and vehicles.
- Be aware of overhanging branches, dry leaves or other objects nearby that may catch fire.
- Be aware of any unsafe weather conditions, such as high winds.
- Pile any extra wood away from the fire.
- Clear away any and all flammable material 10 ft around the fire, like trash, leaves or sticks.
- Teach fire safety habits to children.
- Keep your fire small.
- Be sure your match is completely out.
- Always monitor your fire-- don't leave it unattended.
- Keep water nearby in case the fire starts to spread-- use water to completely extinguish the fire.
- Shovel dirt onto the fire if you have no water.
- Do not bury your coals-- they can smolder and catch something else on fire.

This is a stack of mildewed rotten wood. Imagine if your house was built with this..... We cover that too. Ask about our Mold coverage buy back, with this coverage any damage done to your home through molded wood we will help to repair.

Since 1928, people have been trusting Farmers to provide them with the peace of mind that comes from knowing that their futures and their families are covered against risk. Farmers Insurance Group of Companies^® includes the country's third-largest Personal Lines Property and Casualty insurers.

We currently operate in 29 states with assets over $20 billion, offering attractive careers for more than 30,000 men and women.

A variety of strong, customer-tailored insurance products has made Farmers one of the nations' leading Property/Casualty, Life and Business insurers.

The Farmers brand name has come to be synonymous with top-quality insurance as well as excellent customer service. Farmers Insurance Group agents are immediately in an exclusive group of reputable insurance professionals – a feat that many business owners struggle for years to accomplish.