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3 Reasons To Invest In Life Insurance

life insurance

Life Insurance may not seem like a necessity or a priority, but here are three reasons you should invest in a life insurance policy as soon as possible.

1. Provide Yourself With Peace Of Mind

Life insurance benefits your loved ones after you’re gone, but it also benefits you while you’re living. Instead of spending your time and energy worrying about your family’s welfare, you’ll know that they are safe and protected if anything unfortunate happens to you.

2. Provide For Your Loved Ones In The Future

If your loved ones rely on you for financial support, or if you want to provide extra security for them in the future, life insurance is one of the best ways to protect them. It gives your family a sizable amount of money that they know they can rely on if necessary.

3. Start Saving

Many life insurance policies provide you with benefits while you’re still living. For example, a policy holder can borrow against the cash value of a policy or withdraw money. This allows you to save for an emergency while providing protection for your family.

How Much Life Insurance Do You Need?

The amount of life insurance you need will depend on your assets, your financial obligations, your health, the health of your family members, and your goals for the future. For example, someone with a young family, few assets, and many debts should carry a life insurance policy that provides a substantial amount of protection, while someone who owns their home, has grown children, and no debts, may need less. Contact an insurance agent if you need help determining how much life insurance is best for you.

 

6 Steps to Keep Your Bike Running Like New

Motorcycle checklist

Whether you’re riding a 1926 Harley-Davidson JD or a 2015 Kawasaki H2, keeping your motorcycle in mint condition will ensure a lifetime of fun, fantastic riding. By following these 6 tips, you’ll have your motorcycle running like new all the time.

1.     Store Safely

Storing your motorcycle properly is the first and most important step toward keeping your bike looking shiny and running like new. Keep it in your garage, under a car shelter or consider purchasing a durable, sturdy motorcycle cover.

2.     Take Care of The Tires

Keeping your tires properly inflated is crucial for smooth running. Driving with low tires is risky because it can negatively affect the gas mileage and the way your bike handles. Check your air pressure every time you ride.

3.     Stay On Top of the Oil

By regularly changing the oil and oil filter on your bike, you’ll keep it running in tiptop shape for a very long time. Before you go on a ride, be sure to check the oil level; it should always be at the high or max level. Be sure your bike is not over filled or under filled, as these can be disastrous to your engine.

4.     Beware of the Battery

A good battery can last a lifetime when properly kept and adequately charged. The best way to ensure reliable battery life is to keep it charged when you’re not riding it, preferably by using a trickle charger. Also, consider purchasing a battery that is sealed and maintenance-free.

5.     Attend to the Air Filter

Motorcycle air filters are notorious for trapping a significant amount of debris. It is vital that you keep these filters as clean as possible and replace whenever needed. Without a clean air filter you risk debris getting into your engine and causing great damage to your bike.

6.     Better Your Breaks

The more you ride your motorcycle, the less effective your break fluid gets because it absorbs moisture every time you go for a drive. It’s a good idea to change your break fluid every year or two to ensure your breaks are in the best condition possible.

 

By following these six steps, you’ll keep your motorcycle running like new for a lifetime. The money and time you put into your bike help make it an important investment in your life. Let Heuer Insurance Agency protect your investment with a reliable, affordable insurance plan. Call today to talk with a friendly agent.

 

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Finding and Insuring Your Perfect Recreational Vehicle

Adventure is calling, and there is no better way to answer than with an RV. Officially known as recreational vehicles, RVs come in all shapes and sizes depending on what type of trip they’ll be used for. If you’re thinking about purchasing an RV, there are a few things you should know.

 

Finding the Perfect RV

There are many types of RVs available, from simple campers to large motorhomes. Finding the type of RV perfectly suited to you and your family’s needs may seem complicated, but here are a couple of questions you can ask yourself to help you get started:

 

Where do you plan to go in your RV? If you hope to go on simple camping trips, a smaller trailer may be best to help carry your tents and equipment. If you’re looking to traverse the country on a fairly regular basis, a motorhome can offer ease and luxury for many weeks or months of travel.

 

Do you want to cook in your RV? Some RVs offer kitchen options, while others do not. If you’d rather do your own cooking, make sure your RV comes with a small stove and refrigerator. If eating out doesn’t bother you, a smaller unit may be the way to go.

 

Who is traveling with you? The larger your family or number of traveling companions, the more room you’ll want. Make sure to take stock of how many people will generally use the RV and how much space they and their belongings will take up.

 

Finding the Perfect RV Insurance

After finding the perfect RV, it is important to make sure it is insured. Since an RV is often like a home and a vehicle combined, you’ll need to take extra care to determine what is most important to you and find a policy that meets your specific needs. Some things to consider are what you’ll keep inside the RV, where you’ll need to park it, and what extra coverage you’d like in case you encounter trouble or difficulties on your trips.

 

To learn more about finding the perfect RV insurance, contact one of our experienced agents at Heuer Insurance Agency. We’ve been serving our community since 1929 and look forward to helping you live your dreams.

Your Guide To Babyproofing Your Home

homeowners insurance

Welcoming a new baby into your life is an exciting experience—but a new baby comes with a lot of other changes. To make sure your new baby is safe, you’ll have to make some changes around the house. Use the following guide to babyproof your home.

Windows And Doors

  • Install window stops or guards to prevent falls. Remember that a window screen is not strong enough to hold a child.
  • Get rid of any curtains or blinds with looped cords. Keep other cords out of reach.
  • Install door stops to prevent crushed fingers.
  • Place doorknob covers on doors leading to restricted areas. This can keep your children from leaving the house alone or getting into unsafe areas of the house.
  • Keep furniture away from the windows so children can’t climb up to the windows using a couch or chair.

Bedrooms

  • Close dresser drawers so they can’t be used as a ladder.
  • Keep toys for older children stored in a safe place and talk to your older kids about keeping their younger sibling safe. Toys with long strings, lots of parts, or small pieces that could break off are unsafe for babies.

Bathrooms

  • Keep cleaning supplies and other dangerous chemicals out of reach and locked up.
  • Never leave a child unattended in the bathtub.
  • Get a lock to keep the toilet closed.
  • Keep appliances such as hair dryers and curlers unplugged when they aren’t being used.

Kitchen

  • Keep the handles of pots and pans turned toward the back of the stove while cooking.
  • Lock the cabinets and refrigerator and put knives out of reach in a safe place.

General Areas

  • Install smoke and carbon monoxide detectors and make sure they have fresh batteries
  • Keep outlets covered.
  • Block off stairs with a baby gate.
  • Block off the fireplace with a grate.
  • Keep electrical cords behind furniture so they are inaccessible.
  • Anchor heavy furniture such as bookshelves, dressers, and TV stands to the wall.
  • Store heavy items low to the ground.

It is up to you to make your home safe for a new baby. Use the above guidelines to make sure you and your home are ready.