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EDISON BLOG

Category: Home and Personal Safety

5 Holiday Home Hazards


 


The holidays bring a wide variety of activities to make long-lasting memories with family and friends. From lighting candles to trimming the tree, here are some ways to keep your home and family safe from these common holiday hazards.  
 

 

  1. Lights: Inspect string lights each year before hanging them up to ensure there are no frayed cords or cracked bulbs. When replacing bulbs, always unplug the lights first, and then make sure the voltage and wattage match the original bulb. Before leaving the house or going to sleep, turn off all lights.

 

  1. Ornaments: Avoid decorating with glass ornaments, especially if you have curious children and pets. Using plastic ornaments makes tree decorating safe for the entire family.  Avoid hanging ornaments at the very bottom of the tree out of your pets reach.

 

  1. Candles and Menorahs: Always remember to blow out candles throughout your home and lit on the Menorah before going to bed or leaving your home. Keep lit candles away from curtains and other flammable items.

 

  1. Extension cords: Avoid connecting more than one extension cord together to avoid a fire. Purchase appropriate cords to successfully decorate your entire home. Keep extension cords tacked or close to walls to avoid trips and falls.

 

  1. Cooking: Never leave the kitchen unattended while food is on the stove or in the oven.  Be sure to keep knives and other sharp objects out of reach of children.

 
 
Keep your holiday season safe by avoiding common dangers while setting a fun holiday tone. For more holiday hazards, and how to avoid them click here.
 
 
Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to FL homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.

How to Choose Safe Toys for the Holidays

 


Every year, most children put together their lists of toys for the holidays. On your search to find the best toys this holiday season, it is important to keep safety a top priority. Each year, thousands of children are treated in emergency rooms for toy-related injuries. Edison Insurance Company would like to provide some important steps for choosing safe toys for your holiday gift shopping.
 

 

  • Select age appropriate toys based on manufacture labels. Toys which are too advanced may not only cause frustration for kids but also lead to dangers.

 

  • Toys made of fabric should be labeled as flame resistant or flame retardant.

 
 

  • Painted toys should be covered with lead-free paint to avoid consumption if your child chews on them or they begin to chip.

 

  • Be sure to purchase non-toxic art and crafts materials.

 

  •  Avoid toys with small parts and detachable pieces, as they could become a choking hazard which could quickly turn into a life-threatening situation.

 

  • When purchasing items like bicycles, skateboards, scooters, or skates, be sure to purchase proper safety equipment such as a helmet and knee/elbow pads for protection.

 
 
Regardless of the gifts you are purchasing, it’s important to always supervise young children, especially around the holidays when there is so much going on.  We hope you have a safe and memorable holiday season.
 
 
Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.

Fire Safety Tips for Fire Prevention Week



Recognized each October, National Fire Prevention Week serves to educate us about the importance of fire safety. Fires can occur anywhere and at any time. In fact, the NFPA reports U.S. fire departments respond to a home fire every 86 seconds.  In recognition of this year’s Fire Prevention Week, October 7-13, Edison Insurance Company would like to provide some tips for reducing the likelihood of a fire in your home, and how to escape safely in the event of a fire.


Fire Prevention

  • Cooking is one of the most common causes of home fires. Never leave a hot stove unattended and keep a fire extinguisher in the kitchen.
  • Be sure to have a smoke alarm inside bedrooms and outside of each room of your home. Don’t forget to test them frequently.
  • Check your outlets and extension cords to make sure they are not overloaded.
  • Do not smoke inside your home. Or better yet, quit smoking altogether.
  • Keep flammable items in open areas and away from heat sources.


Escape Planning

  • Create a home fire escape plan.
  • Each member of the family should know two ways out of every room.
  • Don’t forget to plan an outside meeting place.
  • Practice your home fire drill with your family at least two times a year.


For more escape planning tips, click here.

 
As a Florida homeowner, it is important to protect your property should the unexpected occur. Sufficient insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 
 

Scare Safely on Halloween




 

Halloween is one of the most exciting days of the year for kids and many adults. However, millions of parents worry about their children’s safety on Halloween for a variety of reasons. Halloween may be known to be the spookiest and scariest day of the year, and sometimes it can be for the wrong reasons. According to Safe Kids Worldwide, twice as many child pedestrians are killed while walking on Halloween compared to any other day of the year. Here are several steps you can take to keep your family safe this Halloween:

Walking

  • Look before you cross the street
  • Younger trick-or-treaters should always be supervised
  • Use sidewalks and paths
  • Stay in well-lit areas

 
Costumes

  • Use reflective tape or stickers on costumes and bags to be visible to drivers
  • Do not let your child wear a mask, as it can get in the way of their vision
  • Make sure the costume fits properly to avoid tripping hazards

 
Driving

  • Drive cautiously and slowly
  • Eliminate any distractions like cell phones
  • Slow down and be alert in residential neighborhoods
  • Never drink and drive.

 
These tips will make sure your children have a safe Halloween.  We hope you and your family have a fun and safe Halloween. For more tips on Halloween safety, visit Safe Kids Worldwide.
 
 
 
Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to Florida homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.
 

Insurance Facts and Prevention Tips: College Theft and Damage


As students head off to college, many are not considering insurance options to keep them protected on-campus. According to the Insurance Information Institute, approximately 50 percent of all on-campus crimes are burglaries.  Many college students may be unaware of the precautions they should take to avoid personal belongings theft or damage. Many parents of college students are unaware their homeowners insurance often will protect their child’s possessions while they are living in on-campus dorms.

Here are some facts on insurance coverage, and some tips for college students to lower their risk of personal belongings theft and damage:
 
Understanding A Student’s Coverage at College:

  • Students under 26 years old who live on-campus are usually covered under their parents’ homeowners insurance policy, under “off-premise” coverage. Each policy is different, so be sure to contact your agent to understand your policy limits.
  • Electronics may have stand-alone insurance depending on the warranty or the benefits used from the credit card it was purchased with.

 
Ways to Lower Your Risk of Theft or Damage of Personal Belongings While on Campus:

  • Leave your valuables at home.
  • Create a dorm inventory by taking pictures or writing down all the items you are taking with you.
  • Do not access personal accounts on public computers.
  • Purchase and use a laptop security cable.

 
College can be a stressful time for students, by considering these tips, and with the help of your Edison Insurance policy, you can be provided with some peace of mind. For more tips on ways to prevent theft or damage of personal belongings at college, visit MarketWatch.
 

Edison Insurance Company knows the importance of keeping your family and home safe and protected. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. To learn more about Edison Insurance Company, please contact (866) 568-8922 or get a quote on our website

5 Ways to Keep Your Home Safe While on Summer Vacation


Many families take advantage of the summer months while school is out to take their vacations. Aside from packing your bags and setting up your trip itinerary, you should also consider protecting your home and belongings while you are away. Consider these five tips before departing on vacation:
 

  1. Lock up: Before you depart, take a few moments to set your home security systems and double check all the doors and windows are closed and locked.

 

  1. Trust in a friend or neighbor:  Nothing says, “we are on vacation” more than mail piling up in your mailbox and on your front door. Have a trusted neighbor or friend nearby keep an eye on your home, and collect your mail while you are away.  Should you be gone for an extended period of time, you may want to contact the post office and stop your mail from being delivered until you have returned.

 

  1. Make your home look occupied: Making your home appear is one of the most effective ways to deter a burglar. Set lights on a timer both inside and outside to make it appear like someone is home. Mow the lawn right before you leave so it doesn’t grow too tall, as uncut grass will attract unwanted attention.

 
 

  1. Protect your valuables:  Reduce the chances of a theft by keeping your valuables in a safe location. Whether you choose to keep items in a lockbox, drawer, or safe be sure they are somewhere you can remember and track your home inventory.

 

  1. Avoid posting on social media: By posting vacation photos on social media, you are telling many you are out of town. Although it is tempting to post your vacation photos right away, it is recommended to wait until you have returned to protect your home and valuables.

 
 
Enjoy your well-deserved vacation, and in case the unfortunate occurs, you can rest assured Edison Insurance Company has you covered.
 
 
 Thank you for visiting our blog. The safety of you and your family is Edison Insurance Company’s top priority. For more information on homeowners insurance in Florida, or to get a quote, call us at 866-568-8922. 

Tax Identity Theft Awareness Week



Did you know, tax identity theft is the most common form of identity theft reported to the Federal Trade Commission (FTC)? The issue has become so prevalent in recent years, the FTC has designated January 29- February 2, 2018, as Tax Identity Theft Awareness Week.
 
What is tax identity theft?

Tax identity theft occurs when someone files a tax return using your information, such as your Social Security number, in hopes of stealing your tax refund. Should you become a victim of tax identity theft, you will find out about it when you receive a letter from the IRS stating: IRS records show wages from an employer you do not know or work for, or more than one return has been filed in your name.
 
Protect Your Identity

Do not fall victim to tax identity theft by following these tips:

  • File as soon as possible

Once you have received all the necessary paperwork, file right away. In doing so, a thief cannot file a return in your name if you have already filed a legitimate return.
 

  • File safely and securely

Use a trusted service when filing your taxes, whether it is online or in person.
 

  • Protect your Social Security Number or Medicare number

Do not give out your personal information unless you must. Be sure to ask why it is needed, how it will be used, and where and how it will be stored.
 
 
What to do if your Social Security Number has been stolen

When someone has filed a tax return using your Social Security number, you should receive a letter from the IRS. If you don’t receive a letter and still suspect a fraudulent return has been filed with your personal information, there are steps you can take: Visit the identitytheft.gov  website, to report identity theft to the FTC and get a recovery plan.
Miami, Fort Lauderdale, and West Palm Beach are some of the top metro areas for identity theft complaints in Florida. Make sure you are protected.
 
You may also consider obtaining Identity Theft protection from Edison Insurance Company.  Talk to your agent about adding an identity theft endorsement to your policy for as little as $25 a year.  Edison’s endorsement will reimburse you for up to $25,000 for expenses incurred to restore your credit, as well as, provide you with “resolution services” from a consumer fraud specialist who will assist you in the process of restoring your identity and your credit to the level it was prior to the breach.
 

Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to FL homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.

5 Ways to Make Your Home Safer



 

As a homeowner, you already know the basics. Locking your front doors, looking through the peephole, or asking “Who is it?” before opening the door, and setting the alarm are usually done by instinct. However, there is more we can do to protect our homes in just 5 simple steps:
 
Examine all doors in your home for potential weaknesses: To prevent intruders from kicking your door in, use a solid wood or steel door, instead of a hollow lightweight door. If you have sliding doors, inspect the locks to make sure they are sturdy. For extra protection, use a rod or metal stick to stop the door from sliding open, even after you have locked it. This method also prevents small children from sliding the door open and injuring themselves.
 
Use longer, tougher screws: The screws in your deadbolt strike plate (the piece of metal where the deadbolt latch goes into the door's frame) should be at least three inches long to ensure the plate is sturdy and not easily knocked out.
 
Warning signs: Intruders generally seek the easiest target. If you are using a security company for an alarm system such as ADT, don’t hesitate to hang a sign or stick a decal on your doors and windows. Let everyone know your home security system is armed and ready.
 
Be creative: If an intruder does manage to enter your home, they will attempt to grab the most valuable items in a short period. Instead of placing your valuables in obvious places like the dresser drawer and bedside table, put them in a hidden safe and instead. You can even use little tricks such as leaving an old, worthless laptop or shiny costume jewelry out where they can see. It is unfortunate if your home is burglarized, but at least you’ll be able to protect most of your belongings.
 
Practice safety measures when going on vacation: Simple steps such as placing your mail on hold, setting timers on your lights, and parking your vehicle in the garage make it difficult for people to you are planning a trip. 



Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.

Common Forms of Identity Theft



Many people fail to realize identity theft comes in various forms. You’ll be surprised to learn how easily your personal information can be accessed by hackers, and in how many different ways. There are steps to protect yourself from falling victim to identity theft, but first, you should know the common types of theft or fraud.
 
Insurance Identity Theft
 
This type of fraud occurs, for example, when someone uses another person’s information to receive medical treatment. It can have a serious impact and leave victims with higher insurance premiums and huge medical bills.
 
Child Identity Theft
 
This type of identity theft occurs when a child is the victim of the crime. Criminals will use a child’s social security number to access loans or even open accounts to commit fraud. It is important to protect your children identities, using the same measures you would to protect your own personal information. Falling victim to identity theft at such a young age could follow them through their entire lives, and affect them when they go off to college and apply for student loans or a car.
 
 
Tax Identity Theft
 
Tax ID theft is formed through fraudulent tax refund claims. Criminals send claims to the IRS using stolen information such as social security numbers and names. If you fall victim to this crime, it can significantly delay your ability to access legitimate tax refunds. You can protect yourself by practicing safe internet habits and avoiding opening and responding to strange emails about your personal information. Be very cautious when giving out your social security number over the phone and make sure the numbers you are calling (or calling you) are legitimate.
 
 
Synthetic Identity Theft
 
This is one of the most sophisticated kinds of identity fraud, in which criminals use a social security number in combination with fake information such as names and addresses, resulting in the creation of a completely new identity.
 
 
Criminal Identity Theft
 
This is a very common form of ID theft in America, where an individual commits a crime under someone else’s name. During the process of being arrested, the criminal will at times use a fraudulent ID with your name and other details, in order to keep a clean record for themselves. There are identity monitoring services you could use from reputable identity protection agencies to protect yourself, along with practicing safe habits online and even around ATM’s and public spaces.
 


Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to FL homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.
 

Keep Your Eyes Peeled and Your Identity Secure This Holiday Season



 

Around this time of year, the sales are hot and everyone is gearing up to buy presents, decorations, clothing and more. Criminals count on these heightened emotions to find easy targets for scams and theft.
 
Pay attention to your receipts and statements: This is a great way to keep track of spending and manage your holiday budget. It’s also a good reference to verify unknown charges on one of your accounts. Sometimes it could be forgetfulness, other times it could be theft.
 
Charity Scams: Always do your research before donating to a charity, especially during the holiday season. If you’ve never heard of it before, it only takes a minute to search it online.  Unfortunately, this is often the time of year where we see a rise in charity scams.  If you’d like to give this holiday season, contact your charity of choice directly to find out how you can donate to their organization. If you’re still iffy about giving money, donate your time to an organization in need.
 
Protect Yourself Online: Don’t let those sales fool you. When shopping online, avoid third-party websites. We’ve all heard the horror stories of ordering things from pop up sites and never receiving them, only to find out the shop has disappeared and you have nothing to show for it. Don’t do what’s convenient, do what’s right.
 
We hope you’ll keep these suggestions in mind in order to protect your personal information and finances during this busy time of year. Happy holidays!


Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.