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Tag: dog

  • Cover Your Furry Friend With The Right Umbrella Insurance Policy

    Cover Your Furry Friend With The Right Umbrella Insurance Policy

     

    Umbrella Coverage And Dog Bites

    When looking for ways to cut costs in your life, you may look towards your insurance policies. While you do not want to completely drop your coverage, you may think that skipping out on some coverage options can help you save money. However, each day hundreds of lawsuits are filed, which could leave you digging deep into your pockets to pay for an accident.

    One of the most common lawsuits that people overlook are dog bite lawsuits. While you may think that your furry friend is the most lovable dog around, your neighbor may not feel the same. Even the most well-behaved dogs can bite someone if they are scared or threatened. While your homeowners insurance policy may provide a limited amount of coverage, it’s limits can easily be reached if you are sued for the dog bite.

    The best way to ensure that you and your four-legged friends are protected from any peril is to invest in a personal umbrella insurance policy. Umbrella policies provide additional liability coverage that goes beyond the coverage that is provided by your other policies, including your auto and home insurance. Once the limits of your existing policies are reached, the liability that is provided by your umbrella insurance policy will then kick in to ensure that you do not have to cover the costs out of your own pocket.

    If your dog bites someone, you will not only be held responsible for their medical bills, but you can also be sued for pain and suffering and other damages. Since umbrella insurance policies start at $1 million in coverage, you can rest assured that you have the protection that you deserve in case of any unfortunate situation.

    To ensure that you and your entire family are protected with the right umbrella insurance policy, contact Saks Insurance Agency in Mesa, Arizona.

  • Halloween Safety: 5 Questions to Ask to Keep Your Haunting Brood Safe on Halloween

    Halloween Safety: 5 Questions to Ask to Keep Your Haunting Brood Safe on Halloween

    Halloween in Arizona involves walking around at night amongst ghost, ghouls and witches, it really only takes a little common sense to make the night safe for everyone.

    Here are five questions to ask so your entire family, even pets, can enjoy a safe and fun evening of trick-or-treating or handing out candy to others:

    1. Are we visible?

    Add reflective tape to costumes, clothing and candy bags to make it easier for drivers to see you and your group. That also goes for pets who are tagging along. Put reflective tape or flashing lights on their leashes or collars. Carrying flashlights and glow sticks is a good idea as well — they make you more visible and help you see better, too.

    1. How safe are our costumes?

    Costumes, including masks and shoes, should fit well to prevent blocked vision, trips and falls. Baggy clothing can also increase the risk of contact with candles. If you purchase costumes, make sure they are marked as flame-resistant. And accessories such as swords and knives should be soft and flexible.

    1. Where are we going?

    It’s best to have a plan before taking your kids trick-or-treating. You should only go to known neighborhoods and houses that have outside lights on, and children should never enter someone’s home unless an adult is with them. If you have older children going out on their own, have them tell you their plan.

    1. What are the kids eating?

    It’s always a good idea to examine the items your kids have collected before they dig in. And it’s not just about tampering, either. Be aware of choking hazards, too, particularly for young children. And remember, when it comes to eating treats, moderation is key.

    1. How are Fido and Fluffy doing?

    Even if your dogs and cats are just hanging out at home while you hand out candy, don’t forget about them. They shouldn’t eat candy at all, but especially chocolate, which can be toxic. Make sure candles are placed in areas where they won’t be knocked down. And remember that, depending on your pet’s personality, having people constantly coming to your door can be stressful. You might want to create a comfortable spot for them away from your home’s entrance.

    With the right plan, you can make Halloween fun —and safe —for your little ghosts and goblins. And you can probably snag a little leftover candy for yourself, too.

    Contact Us!

    At Saks Insurance, LLC., we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 480-545-1144 or send us an e-mail to service@saksinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!