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5 Things You Probably Didn’t Know about Umbrella Insurance

Umbrella blocking water

Generally speaking, umbrella insurance offers an extra layer of liability protection and peace of mind should you find yourself responsible for an accident with substantial costs. However umbrella insurance is more beneficial for some people than others, and there are some exclusions you may not know about that would be important for your specific situation.

To learn more about umbrella insurance and if it would be a good fit for you, here are five things you probably didn’t know about umbrella insurance.

1.     There are Certain Risk Factors That Could Impact Your Coverage

Perhaps the most attractive aspect of an umbrella policy is the liability coverage, because we all know how expensive lawsuits can be. However some people are more prone to lawsuits than others. Here are some risk factors for people likely to be involved in a lawsuit and who should consider purchasing umbrella insurance:

  • Those who have a long commute
  • Those who regularly travel during rush hour
  • Those who own dogs
  • Those who have a swimming pool, trampoline, or outdoor jungle gym
  • Those who entertain others frequently

2.     Not All Lawsuits Will Be Covered

As previously mentioned, lawsuits are one of the main reasons to consider purchasing umbrella insurance. Once the limit has been paid out for your primary liability coverage, the rest can be covered by your umbrella policy. The exception to this is if you commit a crime or an intentional act of harm. This includes sexual harassment, discrimination, intentional bodily or property harm, or damages from driving under the influence. Umbrella insurance is meant to protect you from accidents, even if you’re at fault, but not malicious acts.

3.     “Attractive Nuisances” Could Influence Your Coverage

This is the term for features or equipment on your property that can be hazardous. These include swimming pools and hot tubs, trampolines, swing sets and outdoor jungle gyms, and sports equipment. Your umbrella insurance will cover personal and property injury sustained from attractive nuisances.

4.     Dog Owners Could Benefit from Umbrella Insurance, but Some Breeds May Not Be Covered

Dog bites are more common and harmful than you may think. More than one-third of all homeowner’s insurance liability claims are from dog bites and dog-related injuries. Although the liability coverage from your primary insurance may cover dog bites, it’s important to realize that some dog-related injuries require reconstructive surgery as well as compensation for lost wages, etc. This is when umbrella insurance will save you. Additionally, some dog breeds are excluded from coverage and should be inquired about if you suspect your breed may not be covered. You may purchase a rider in this situation.

5.     You Might Need to Purchase Additional Riders to Adequately Protect Yourself

Although umbrella insurance is meant to cover those who are injured on your property, there are some scenarios that may not be covered. Domestic workers, such as nannies or housemaids who do not have their own insurance, are likely not covered by yours either. In this situation, do not assume your umbrella insurance will cover them if they fall down the stairs or receive other injuries on your property. In this situation, you will need to speak to your insurance agent about acquiring a special rider to further protect yourself.

Learn More

Even if you are free from the above risk factors, accidents can and do happen to even the most cautious individuals. The safest thing you can do is be well-insured to protect yourself from even the most unlikely of accidents. To learn more about umbrella insurance in Reno, visit the professionals at Heuer Insurance Agency.

Should You Insure Your Family Pet?

A dog lying on its stomach looking sad

In a country of pet-lovers but also ever-advancing technology, it can be quite expensive to provide medical care for your pets. All of the advances in technology mean that new and improved procedures and equipment are available to help your pet return to and maintain good health, but also come with a cost.

Fortunately, you have some options to help you cover those costs, including pet insurance. Check out these facts about pet insurance to help you decide if it’s right for you.

What does it cover?

Here are the basics of what pet insurance will cover:

  • Death

Whether your beloved pet passes from illness or accident, your insurance policy can cover what your pet is worth monetarily.  However this coverage usually only applies to pets under a certain age, generally 7-10 years old for cats and 7-8 years old for dogs. Other costs associated with death that may be covered including euthanasia, cremation, and burial coverage.

  • Dental coverage

Usually this coverage only applies to dental problems caused by accidents, but make sure you understand what kind of coverage you have when you take out a policy.

  • Promotional materials for missing animals

If your animal is lost, the cost of advertising materials can be covered by insurance.

  • Liability

If your animal injures someone else or damages their property, the expenses can be covered by your pet insurance policy.

  • Overseas travel

If you travel internationally and your pet becomes ill, your insurance can cover their care.

  • Cattery/Kennel fees if you are hospitalized.

You typically must be hospitalized for a minimum of 2-4 days for this coverage.

Pre-existing conditions are almost always excluded, as are routine or preventative care. Pregnancy and birth-related care is also usually excluded.

What types of policies exist?

There are a few different kinds of policies you can choose from, including:

  • Lifetime

This is the most comprehensive coverage without time limits for illnesses.

  • Non-lifetime coverage.

If you have a dog who’s breed is more susceptible to a certain condition, you can take out a policy for that specific condition with or without a time limit.

  • Accident-only coverage.

This coverage would only pay out for accidents such as car accidents, dog attacks, etc. No illnesses are covered.

What about older or sick pets?

Most companies will not insure pre-existing conditions. Premiums also tend to rise each year for older pets. These facts are important to know because if you find your premiums really expensive and find that another company offers lower premiums, you may not be eligible for the other insurance for pre-existing conditions and the company may exclude older animals altogether.

Is pet insurance affordable?

With several policy options to choose from and so many condition-specific policies available, there is a large price range in pet insurance policies. Some policies are even priced based on the specific breed, if you have a breed that is generally more susceptible to health problems. If you spay and neuter your pets, or purchase coverage when they are very young, then you may be able to lower the costs of pet insurance.

For more information on pet insurance or to get quotes, visit us at Heuer Insurance Agency in Reno, Nevada to have all of your insurance questions answered.

Winter Car Safety Checklist

snow car

Winter driving can often be unpredictable and change in the blink of an eye. A seemingly sunny day can turn dark and stormy, leaving you in harrowing driving conditions. It’s important to be prepared for hazardous driving conditions even if you don’t expect them. Here is a checklist of safety preparations you should make so you can safely get yourself from A to B this winter season.

Before the storm hits

 

It’s a good idea to get some things ready in the summer or fall so you don’t have to scramble when the bad weather hits. Here are some things you can do in advance to prepare for winter driving:

  • Have your battery checked and replaced if necessary.
  • Check your belts to make sure they’re not cracked or fraying.
  • Check the hoses in your engine to make sure they’re not brittle or leaking.
  • Check the tread on your tires and consider investing in some snow tires or all-season tires that will handle snowy or slippery roads well.
  • Check your tire pressure, because the pressure will drop with the temperature. Properly inflated tires are important for maintaining good traction.
  • Coolant levels should also be checked when the engine is cold. You can pick up an inexpensive tester to check the level of antifreeze protection at any auto parts store.
  • Make sure all lights are working properly and replaced if any bulbs are burnt out.
  • Check that your wiper blades are working and thorough in their wiping abilities. You can buy rubber boots to put around them to prevent ice or snow from building up on them.
  • Refill the wiper fluid if necessary so you can keep your windshield clean after dirty precipitation falls on it.
  • Have your brakes professionally checked to make sure they’re fully functional. Have the brake fluid checked and refilled, as well.

Items to keep in your car

In the event that you are affected by hazardous winter driving conditions, there are a few things you should keep with you to help get you out of a bind. These include:

  • Ice scraper
  • Flashlight and batteries
  • A spare tire and tire-changing tools
  • A snow shovel and salt/kitty litter to help if you get stuck
  • Reflectors or flares so you’re visible if you do run off the road
  • Jumper cables
  • Tool kit
  • Emergency survival kit, including blankets, nonperishable food, first aid kit, and warm clothing

In the midst of winter

When winter arrives and you inevitably must come face-to-face with the snowy and icy roads, there are still additional measures you can take to ensure your travels are safe. Here are some safe-driving practices that will help you stay safe on the road:

  • Plan ahead. If you can avoid the storm by running your errands on another day, plan for that. Checking the forecast alone can save you a lot of grief.
  • Warm up the car
  • If your trip is long or outside of your usual route, tell someone where you’re going and check-in so somebody is aware if something goes wrong.
  • Don’t use your parking brake to slow down
  • Give yourself more time to stop and more distance from other cars to protect yourself if someone else loses control
  • Don’t use cruise control
  • If you do find yourself stranded, stay in your car to keep warm.
  • Always keep your gas tank at least half-full

Even if you follow every tip and precaution, accidents can and do happen. The best protection for winter driving is a good auto insurance policy. For more information on how to keep safe this winter on the road, talk to the professionals at Heuer Insurance Agency today.

Run Yourself to Happiness

Harris Interactive third annual Work Stress Survey reported that eight out of every 10 American workers are stressed by their jobs. Last year, the report showed that a shocking 73 percent of Americans were stressed at work; this year that number has jumped by more than 10 percent, leaving just 17 percent of workers unaffected by the stresses of work.

 

This report highlights a critical epidemic in our society: stress is becoming our nation’s biggest deterrent of happiness and satisfaction. Every aspect of the human body is negatively effected by stress – from the respiratory and cardiovascular systems, to the central nervous system, to the digestive, reproductive and muscular systems, to the immune system and the brain – stress as the ability to completely override our bodies, which suppresses our pursuit of happiness and negatively effects our quality of life.

 

It’s time to put an end to the suffering of stress. Before you spend immense amounts of money on anti-stress measures like medications, therapy and more, consider investing in a pair of tennis shoes and a gym membership. That’s right – by making an effort to exercise on a regular basis, you will find yourself becoming less stressed, less anxious and happier. Here’s how it works:

1.     Dopamine: The Happy Chemical

Dopamine, or “The Happy Chemical: is a neurotransmitter in the brain that’s responsible for producing happy, pleasurable feelings. The older we get, the more dopamine we loose, making our brains more susceptible to feelings of stress and anxiety. However, exercises like running, lifting, jumping, playing, dancing and generally increasing your heart rate, triggers the release of dopamine in your brain – making you happier and less stressed.

2.     BDNF: The Positive Protein

When you’re stressed, your body experiences several different reactions: blood pressure rises, heartbeat increases, chest tightens, etc. As you begin to exercise, you experience very similar feelings, which tricks your brain into thinking that you’re either fighting stress, or fleeing from it. To protect yourself and your brain from this fight-or-flight concept, you release a protein called Brain-Derived Neurotropic Factor, or BDNF. This protein has both protective and reparative effects on your memory neurons and acts essentially as a reset switch, which leaves us feeling calmer, clearer and happier after exercise.

3.     Endorphins: The Road to Euphoria

The other vital chemical in the fight against stress is called endorphins. This chemical is released to minimize the discomfort of exercise or block the feeling of pain. Endorphins are also heavily associated with feelings of euphoria, which bring sparks of intense happiness and ease to a stressed-out brain.

 

These chemicals and proteins play a big roll in what happens to our brain when we fight stress and unhappiness with exercise. It’s important to remember, however, that exercising more or exercising harder isn’t necessarily the key to happiness: it’s when you exercise that’s important.

 

A study from Penn State suggests that starting your day with 20 minutes of running or exercise will lead to the highest levels of happiness and productivity. With 20 minutes of exercise every morning, you reduce your risk of disease and other health issues, as well as your risk of stress and unhappiness.

 

Life is too short to struggle with sadness and stress, so what are you waiting for? Tie on those tennis shoes, turn up your music and get moving! Farewell stress, hello happiness.

 

 

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Why Dwelling Fire Insurance Is More Important Than You Think

fire

Most people don’t like spending extra money, which means sometimes they skimp on insurance coverage. This may not seem like a big problem, but if you don’t have the right amount of insurance coverage, you’re running a huge risk.

One coverage option that you shouldn’t neglect is dwelling fire insurance. Here’s what you should know about this insurance policy.

What is Dwelling Fire Insurance?

Dwelling fire insurance is coverage designed to protect properties that are not owner occupied. It provides coverage for the home, garage, and other structures on the property like sheds if there is a fire.

How Much Danger Are You In Without This Coverage?

According to the National Fire Protection Association, there were 369,500 home fires in 2013 alone. These fires resulted in a whopping $6.8 billion in damages (and that number doesn’t account for indirect losses such as business interruption).

As you can see from the numbers, home fires, unfortunately, are relatively common and incredibly costly. If you own multiple properties and rent them out as part of your business, you could lose millions of dollars in investments and future business opportunities. Without the right insurance coverage, you could have serious trouble rebuilding your business or regaining your investment.

What Protection Does A Dwelling Fire Insurance Policy Provide?

Dwelling fire insurance policies are designed to protect the structure of the home as well as other structures on the property. It does not cover personal property inside the home.

If you are a landlord, it is essential to invest in dwelling fire insurance, but you should also require your tenants to carry a renters insurance policy that protects their belongings in the event of a fire.

Who Needs Dwelling Fire Insurance?

Dwelling fire insurance is particularly valuable for landlords because the properties they own represent not only a major investment, but in some cases, a major source of income.

When someone else loses their home, it can be devastating, but they still have a job. Without this coverage, landlords could lose their investment properties in addition to losing their job and main source of income.

Landlords should also invest in this insurance policy because they may have a greater risk of losing a property to a home fire. Even if the tenants are responsible, most tenants do not care for a home they are renting the way they would care for a home they own. They may be more likely to leave the stove on, ignore problems with wiring, or forget to tell the landlord about a clogged filter or vent. This can result in more risk for home fires.

If you are not a landlord, but you still own property that you don’t reside in (such as a vacation home) you should still check with your insurance agency and determine what kind of additional coverage you need.

Don’t risk losing your major investments or your source of regular income. Invest in dwelling fire insurance today.

To learn more about insurance coverage options, and dwelling fire insurance in particular, visit Heuer Insurance.

 

 

Choosing the Right Life Insurance For Your Lifestyle

buying life insurance

Purchasing life insurance can be one of the biggest, most valuable investments you make. Life insurance is more than just a plan: it’s a means of stability for your loved ones in the event you pass away. However, with seemingly endless life insurance policies, how are you ever to choose the plan that best fits your wants and needs?

 

Heuer Insurance Agency offers six different, reliable life insurance plans in order to cater to the individual needs of people with varied lifestyles. Contact our friendly agents today to get started on a plan that works for you.

1.     Term Life Insurance

 

Term life insurance offers coverage at a fixed premium for a specific period of time – typically 5, 10, 15, 20, 25 and 30 years. If the client passes away during the term, the death benefits are paid to the beneficiary. On the other hand, if the term expires while the client is still living, they must either forego coverage or continue coverage at an increased premium.

 

Term insurance can be used for protection like mortgage protection, buy/sell situations and business partnerships, and are typically used as a means of saving money while also providing a death benefit.

2.     Return of Premium Life Insurance

 

Similar to term life insurance, return of premium life insurance is a policy that is carried for a fixed premium over a specific period of time – typically 10, 15, 20, 25 or 35 years. Unlike term life insurance, however, a return of premium life insurance policy will provide you with a return on your premiums if the death benefit is not paid out. This policy is ideal for individuals who are looking for affordable life insurance that will offer you a return.

 

If the death benefit is not paid out by the time the term expires, the premium you’ve paid over the term will be returned to you minus a small compensation percentage. Reasons to invest in a return of premium policy include:

 

  • It encourages disciplined savings
  • It provides affordable coverage with the chance of a return on your investment
  • It offers a high death benefit with an affordable premium

 

Though the policy as a whole is relatively affordable, it does carry a higher premium due to the fact that you’ll potentially get a return on your investment.

3.     Universal Life Insurance

 

Heuer Insurance Agency’s universal life insurance includes a unique savings element that grows on a tax-deferred basis.  This policy insures that you’ll receive a certain minimum return on your investment because a portion of your premiums are used to invest in bonds, mortgages and money market funds.

 

This policy also offers a no-lapse guarantee, meaning you’ll pay the same fixed premium until age 121. Some benefits of a universal life insurance policy include:

 

  • A flexible or structured payment system
  • Flexible death benefits
  • Permanent, never-terminating coverage
  • The policy builds cash value
  • There is no pre-payment penalty

 

This policy offers you the freedom to adjust the benefits as your needs and lifestyle change and you can also control the amount you pay in premiums, making this an ideal policy for individuals who might have changes or difficulties in payment availability.

4.     Key Man Life Insurance

This specific policy provides coverage to an employer or company that suffers from the death of a vital employee. Whether this is a manager, co-owner, owner or other, a key man life insurance policy can be used to pay for the costs required to find a qualified individual to fill the key position. Unfortunately, this is not a policy many companies consider until it is too late.

 

Key man life insurance can cover things like the loss of sales or revenue, the cost of hiring interim staff until a permanent, qualified replacement is hired, and it can cover the costs associated with hiring and training the new employee. Talk with one of our brokers today to discuss the benefits a key man life insurance policy could have for your business.

5.     Fixed Annuities

 

Fixed annuities pay a guaranteed interest rate for an allotted time period.  They also typically offer higher interest rates than banks, very low investment minimums and are commonly appealing to investors or individuals who are suspect of the volatility of the stock market. Some of the main factors involved in a fixed annuity plan are:

 

  • Fixed annuity rates are either deferred or immediate. Deferred annuities accumulate regular rates of interest while immediate annuities are payments determined by your age and the size of your annuity.
  • Convenience and predictability of the set payout makes a fixed annuity plan popular for individuals who want a steady, known income that can act as or supplement other income, like retirement.

6.     Single Premium Life Insurance

 

A single premium life insurance policy is essentially a modified version of a whole life insurance policy. With up front payment and one large lump sum payment, this insurance policy is beneficial for individuals who’ve accumulated a large sum of money in which they want to invest in a life insurance policy.

 

Your entire investment immediately begins to earn interest, leading to fast value cash accumulation. This tax-deferred plan requires no monthly payments and is considered one of the best long-term investments.

 

Visit Heuer Insurance Agency today to talk with a professional about the right policy for you.

How Can I Manage Stress At Work?

stress

Did you know that more than one third of American workers suffer from chronic work-related stress? Aside from being harmful to both your physical and emotional health, this stress is costing American businesses millions – even billions – of dollars per year in medical bills and hours lost of work.

 

Unfortunately, not all organizations provide sufficient resources to help you effectively manage your stress. Instead, you’re expected to do more with less, further adding to your list of current stressors. Other common factors that add to stress in the work place are:

 

  • Low salaries
  • Excessive workloads
  • Little chance of growth or advancement
  • Unchallenging work or assignments
  • Little social support
  • Little control over job-related decisions
  • Conflicting demands
  • Unclear performance expectations
  • Performance standards
  • More

 

Thankfully, there are steps you can take to deal with your work-related stress in healthy, effective ways. Here are the top five:

 

1. Schedule appropriately

Contrary to common belief, working tirelessly for eight to ten hours a day does not help you get things done. In fact, these only add to stress, lower productivity and steal energy that you could be spending with family or friends after work. Instead, take scheduled breaks throughout the day to clear built up stress, rejuvenate and refocus.

2. Deter Distractions

You’ve probably noticed that throughout the day, you’re bombarded with texts, emails, phone calls, unscheduled meetings, urgent deadlines and more. This adds an immense amount of distraction to our days, which inevitably leads to higher stress. Consider only answering emails or responding to texts during specific times throughout the day. Set up walk-in hours to your office and have “silent” hours during the day.

3. Know What You Can Control

There are some factors in our day that we simply cannot control. On the other hand, there are also several factors you can control. If you begin to feel angry, overwhelmed or stressed, take a moment for a few deep cooling breaths – through your mouth, out your nose – and think about how you’re responding to the current situation.

4. Have Priorities

Create a to-do list that focuses on the projects or deadlines that have the most impact on your current job tasks. It’s important to not over-load this list, however, as you’ll likely feel more stressed if you end the day having only achieved a fraction of your list. Be realistic with yourself and your work load and prioritize appropriately.

5. Change Your Mindset

It’s all too easy to be hard on our selves. In fact, with more than 60,000 thoughts streaming through our brains a day, it’s no wonder we internalize negativity and stress. Instead of being your own worst critic, try to be positive and pump yourself. If necessary, consider making a list at the end of every day of all the things you accomplished – this will motivate you in the days to follow and it will positively influence those around you.

 

If you’re suffering from chronic stress don’t let concerns over proper insurance coverage add to the load. Contact Heuer Insurance Agency today. They can create a personalized plan that will help ease life stressors and get you on the right path to stress-free living.

 

 

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Fall Maintenance For Your Home

fall matienence

With fall now in full swing, it’s time to make sure your home is adequately equipped for the coming winter months. By properly maintaining your home now, you can ward off expensive repairs and harmful damages in the future. These four essential fall maintenance tips help to make preparing your home easier than ever.

1.     Organize and Evaluate Outside

Maintaining the exterior of your home should be one of the first steps you take when preparing your house for fall and winter.

  • Stow your mower with fuel stabilizer and run your mower dry before putting it away for the winter.
  • Deter any drips by removing garden hoses from outdoor faucets and shut off any valves on exterior water faucets. Drain your hoses and store them in the shed or garage.
  • Drain your irrigation and sprinkler system. If you don’t have drain valves, hire a professional to properly shut down your system.
  • Evaluate the exterior siding and use color-matched caulk to seal up any cracks between trim, siding, windows, doorframes, pipes, wires, etc.
  • Unclog gutters by removing leaves, twigs and other debris. Keep an eye out for sagging, damaged gutters and downspouts while you’re at it.
  • Inspect your roof for buckled, cracked or missing shingles, rust spots or any loose or damaged areas that should be fixed immediately.
  • Make sure the soil around your foundation slopes away from your house so that water won’t soak into the soil and damage your foundation with cracks and leaks.
  • Prune plants so that all limbs and branches are at least three feet from your house. This will prevent any dripping or moisture from damaging your exterior.

 

2.     Inspect Your Interior

By going methodically through the interior of your home, you can save up to 20% on heating and cooling costs during the winter months.

 

  • Cut down on drafts by applying weather stripping and caulk to air leaks from windows and doors.
  • Hire a licensed heating contractor to have your heating system checked for fuel efficiency and other potential problems.
  • Ensure your woodstove and fireplace are in working order. Be sure your fireplace’s flue opens and closes properly and that it’s free of branches, leaves or other debris. Also be sure the firebox isn’t missing any bricks or mortar and have your chimney professionally swept every other year.
  • Change the direction of your ceiling fans to create an upward draft that distributes warm air from the ceiling.
  • Clean humidifiers frequently during the heating season to avoid the build up of any bacteria in the water tank.

 

3.     Get Your Garden Winter-Ready

Organize your garage, store your summer gardening tools and clean up branches and leaves around your yard. Fall is also a great time to reseed patchy areas of grass and to plant bulbs for the spring. Also, be sure all of your winter equipment (snow blowers, roof rakes, shovels, etc.) are all in working order.

 

4.     Porch and Deck

Ensure your porch and deck will look their finest come spring. Check the supports, stairs and railings on all porches, decks, handrails, etc. Remember many of these surfaces will likely face harsh temperatures and cold elements in the coming months. Also, clean and cover all porch and deck furniture and empty all soil from pots and planters to avoid cracking and breaking of frozen, clay pots.

 

For more information on how to properly maintain your home year round, or to learn more about protecting the investment of your home with reliable homeowners insurance, visit Heuer Insurance Agency, today.

Managing Stress at Work in 5 Easy Steps

work stress

Did you know that more than one third of American workers suffer from chronic work-related stress? Aside from being harmful to both your physical and emotional health, this stress is costing American businesses millions – even billions – of dollars per year in medical bills and hours lost of work.

 

Unfortunately, not all organizations provide sufficient resources to help you effectively manage your stress. Instead, you’re expected to do more with less, further adding to your list of current stressors. Other common factors that add to stress in the work place are:

 

  • Low salaries
  • Excessive workloads
  • Little chance of growth or advancement
  • Unchallenging work or assignments
  • Little social support
  • Little control over job-related decisions
  • Conflicting demands
  • Unclear performance expectations
  • Performance standards
  • More

 

Thankfully, there are steps you can take to deal with your work-related stress in healthy, effective ways. Here are the top five:

 

1. Schedule appropriately

Contrary to common belief, working tirelessly for eight to ten hours a day does not help you get things done. In fact, these only add to stress, lower productivity and steal energy that you could be spending with family or friends after work. Instead, take scheduled breaks throughout the day to clear built up stress, rejuvenate and refocus.

2. Deter Distractions

You’ve probably noticed that throughout the day, you’re bombarded with texts, emails, phone calls, unscheduled meetings, urgent deadlines and more. This adds an immense amount of distraction to our days, which inevitably leads to higher stress. Consider only answering emails or responding to texts during specific times throughout the day. Set up walk-in hours to your office and have “silent” hours during the day.

3. Know What You Can Control

There are some factors in our day that we simply cannot control. On the other hand, there are also several factors you can control. If you begin to feel angry, overwhelmed or stressed, take a moment for a few deep cooling breaths – through your mouth, out your nose – and think about how you’re responding to the current situation.

4. Have Priorities

Create a to-do list that focuses on the projects or deadlines that have the most impact on your current job tasks. It’s important to not over-load this list, however, as you’ll likely feel more stressed if you end the day having only achieved a fraction of your list. Be realistic with yourself and your work load and prioritize appropriately.

5. Change Your Mindset

It’s all too easy to be hard on our selves. In fact, with more than 60,000 thoughts streaming through our brains a day, it’s no wonder we internalize negativity and stress. Instead of being your own worst critic, try to be positive and pump yourself. If necessary, consider making a list at the end of every day of all the things you accomplished – this will motivate you in the days to follow and it will positively influence those around you.

 

If you’re suffering from chronic stress don’t let concerns over proper insurance coverage add to the load. Contact Heuer Insurance Agency today. They can create a personalized plan that will help ease life stressors and get you on the right path to stress-free living.

 

 

New or Used—Which Kind if Home Should You Purchase?

new vs used home

Purchasing a home is a big decision, and one that will have a substantial impact on your day-to-day life and your budget for years to come. Making a decision about what type of home to buy is very personal, but considering the benefits and drawbacks of each option can help you make a choice that suits your needs.
The Pros and Cons of Buying a Used Home
Buying a used home comes with pros and cons.
Pros include:

• Used homes are usually in established neighborhoods. This means you’ll know what kind of school district you’ll live in and what kind of reputation the area has. Established neighborhoods are also usually in a more central location than new homes which means it can be easier to run to the grocery store or drop off your dry cleaning.
• Used homes are often less expensive than newly built homes of the same size.
• Used homes often have more unique architecture and design elements.
Cons include:

• Used homes have experienced more wear and tear, so they usually require more maintenance and repairs.
• Used homes may have been built when codes weren’t as strict, which means they might not be as well insulated or as sturdy as newer homes.
• There are often fewer homes for sale in very popular established neighborhoods. In some cases this can drive up prices and make it harder for you to get your offer excepted.
The Pros and Cons of Buying a New Home
Consider the following when looking at new homes:

Pros:

• New homes are cleaner, since no one else has lived in them before.
• New homes usually require less maintenance and repair since nothing has been worn out due to years of use.
• New homes are often more energy efficient, which can save you money on monthly utilities.
• You usually have more choices when shopping for new homes, which can make it easier to find the floor plan, and size of home you want.
• New homes have modern design and are often integrated with modern technology.

Cons:

• New homes are often built in developments that are far away from central locations.
• New homes in new neighborhoods mean that there is more change in the area. There could be frequent construction nearby and it will be hard to know what the neighborhood dynamic will be.
• New homes are usually more expensive than used homes.
• New homes are often in areas with Homeowners Associations, which can mean expensive fees.
• New homes often have a similar design to all the other homes in the development, making them less unique.
Which Type Of Home Is Right For You?
There are good reasons to choose a new home or a used home. It is important to consider your lifestyle, your budget, and your priorities when deciding which type of home to purchase. Remember that insurance will vary based on the type of home you choose and the neighborhood that it is in. Visit Heuer Insurance about protecting your new purchase with a homeowners policy.