Give us a call (573) 442-1105
Facebook

Facts & Tips

AN ARTICLE FROM OUR PARTNERS AT TRAVELERS INSURANCE:

By Scott Humphrey

Second Vice President, Risk Control

CO is a colorless, odorless gas produced by the incomplete burning of any carbon-containing material, including gasoline, natural gas, propane, coal or wood. CO is dangerous because it replaces oxygen in the blood and interferes with the transport of needed oxygen to cells in the body.

Carbon Monoxide Safety Tips

Many incidents involving carbon monoxide poisoning can be prevented — with the right preparation. Start with these seven tips to help keep your home and family safe from carbon monoxide.

  1. Know the risks of carbon monoxide.
    Anything that burns a fuel — such as a furnace, fireplace or generator, gas appliance or car — produces a toxic by-product: carbon monoxide (CO).When these devices are properly maintained and vented, this colorless, odorless gas can be effectively dispersed and channeled out of your home. If not, inhaling carbon monoxide can trigger serious health issues.At lower concentrations, victims may experience such symptoms as a headache, dizziness, weakness, nausea, vomiting, chest pain and confusion. But at higher concentrations, CO can quickly cause a loss of consciousness, even death.
  2. Keep your vents clear.
    During and after a storm, make sure nothing is obstructing the outside stack or vent for your dryer, stove, furnace and fireplace.Take special care to prevent snow from building up and blocking these critical exits for dangerous gases.
  3. Do not run engines in a closed area.
    Proper ventilation is critical to avoiding CO poisoning. So do not start a car, fire up a grill or stove, or run a generatorin a closed area — like a basement or garage.Even if you leave the garage door open, carbon monoxide gas can quickly build up to toxic levels.
  4. Schedule regular maintenance.
    Make sure you rely on experts to install your fuel-burning devices and set up the appropriate venting for each device.At least once a year, have a qualified professional inspect your fuel-burning devices to make sure they continue to operate properly.
  5. Keep fireplaces clean and well vented.
    If you have a wood-burning fireplace or stove, make sure you keep it clean and that the flue is working properly.Even if the last embers are just smoldering, keep that flue open to let the gases escape.
  6. Install CO alarms.
    If you have fuel-burning appliances, a fireplace or an attached garage, consider installing these special devices in your home. You will want one on every level (including the basement), within the vicinity of each sleeping area and in other locations required by any applicable laws/building codes.Some CO detectors can even be interconnected across your house, so that when one detects an issue, they all sound the alarm. If you do hear the CO alarm, immediately move to fresh air and call 911.
  7. Maintain your CO alarms.
    Keep in mind that CO alarms do need to be maintained regularly.Many come equipped with a battery backup to ensure uninterrupted operation, even if the power goes out. But you will need to remember to change your batteries at the frequency recommended by the manufacturer, like you do with your smoke detectors.It is also a good idea to keep a supply of batteries on hand in the event of a multi-day power outage. Other maintenance tips to consider are removing visible dust with a vacuum, and testing and replacing units (check your owner’s manual for details).

It’s important to have the right homeowners insurance to protect the things you value. Contact your agent to make sure you’ve got the coverage you need.

*Centers for Disease Control and Prevention, http://www.cdc.gov/mmwr/preview/mmwrhtml/mm6030a2.htm

This content is for general information only. It is not intended to provide legal, technical or other professional advice, nor is it an endorsement of any particular product. In no event will Travelers or any of its subsidiaries or affiliates be liable in contract or in tort to anyone for the accuracy or completeness of this information. Laws, regulations, standards or codes may change from time to time, and you should always refer to the most current requirements. This information does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss under any such policy.

A lot has changed in the past couple years since we first wrote about ridesharing (the service where you obtain a ride through a smartphone app for a fee). There are several transportation network companies (TNC’s) who provide this service; however, Uber and Lyft are still the most recognized.  With time, usage has increased in urban areas and especially with people aged 18-29.  Our main concern? The changes insurance companies have made. As the needs of society advance through technology, insurance companies have to fight to meet demands for coverages and stay competitive.  The agents at Kasmann Insurance want to educate you on the gaps in coverage when you contract with a transportation network company, and what insurance companies are doing about it.

More >

Whole life is the most versatile financial instrument ever devised for the protection of families and businesses and the creation and enhancement of wealth. To appreciate the great values of this type of life insurance protection, this article explores how it works, its uses, its benefits and the options you have in structuring a contract to meet your specific needs, and why Auto-Owners Life Insurance is the company of choice.

“Whole life provides lifetime insurance protection with significant guarantees and tax benefits…”

DID YOU KNOW…

Walt Disney, unable to land a substantial bank loan, used the cash value from his whole life policy to build a sprawling theme park that is now known to the world as “the happiest place on earth.”

More >

Have you noticed your auto insurance rates keep creeping up every renewal?  You’re not alone.  In fact, it is probably one of the biggest complaints insurance agents currently hear.  If you haven’t had any tickets or accidents, and your car keeps getting older, then why does your auto insurance keep getting more expensive?  The agents at Kasmann Insurance Agency would like to help you understand how auto insurance rates are calculated and answer that crucial question for you.

More >

If you watch television you are probably familiar with commercials for the Gerber Grow-Up® Plan.  “For just pennies a day, you can help your child get off to a good financial start!”  Doesn’t that sound like a fantastic idea? As parents, isn’t it our job to help plan for our children’s’ future and get them started on a track to financial security? Gather your pennies and listen up!

I compared the nationally advertised plan to a similar plan offered by the Kasmann Insurance Agency through Auto-Owners Insurance.  While both plans are somewhat similar in design, there are advantages to one over the other.

More >