Minimize Your Risk for an Accident with These Tips to Help You Avoid Common Causes of Accidents

Minimize Your Risk for an Accident with These Tips to Help You Avoid Common Causes of AccidentsLearn about a few common types of car accidents.

Your safety on the road is important. When operating a motor vehicle, it is always important to use caution. However, sometimes accidents happen. In the event of a car crash, it’s important that you have the necessary insurance coverage. Invest in the right auto insurance, and take time to take these simple steps to prevent these common causes of accidents.

Distracted Driving.

Distracted driving accounts for a large percentage of today’s traffic accidents. When it comes to your safety on the road, focus on the task at hand, put down the coffee and keep your phone locked and away so you can reduce your risk of an accident.

Speeding.

When you drive at fast speeds, your ability to control the car lessens. Speeding increases the risk for a traffic accident and often causes crashes. Ensure that you stick to the speed limit so that you can lessen the risk for an auto accident.

Driving Under the Influence.

The use of alcohol and drugs diminishes your decision-making skills and slows your reaction times. Since your perceptions are altered, it increases your risk of a traffic accident. In fact, accidents caused by driving under the influence of drugs or alcohol often are lethal. Never get behind the wheel after drinking or drug use. Plan ahead and find alternate methods of transportation so that you get to your destination safely.

When it comes to your safety on the road, it’s important to take steps to minimize your risk for a traffic accident. Get the protection that you need on the road with the right auto insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Tips to Help You Review Your Homeowners Insurance Policy

Get the Right Homeowners Insurance Coverage with These Tips to Help You Review Your PolicyLearn how to best review your homeowners insurance coverage with helpful tips.

Your home is likely your biggest and most treasured asset, it’s important that you protect it with the right homeowners insurance coverage. Such coverage gives you the resources that you need to protect the structure and contents of your home. However, it’s important to review your policy at least once annually. That way you’re able to update your policy to meet your ever-changing coverage needs. As you get ready to renew your homeowners insurance policy, check out these tips will help you review your coverage.

Protecting the Structure of Your Home.

When it comes to the physical structure of your home, it’s important that you have the coverage that you need to rebuild from the ground up. If you have done any upgrades or remodels throughout the year, always make sure to report them to your insurance agent. We use replacement cost tools to help determine your home’s building costs to rebuild from the ground up. Your dwelling coverage should reflect the replacement cost so you have adequate coverage in the event of a total loss. An annual review will help you avoid any coverage gaps in your homeowners insurance.

Keeping Contents Protected.

Not only does your policy give you protection for the structure of your home, but it also gives you coverage for the contents. You’re given coverage for your personal possessions. As you review your policy, ensure that you update your home inventory. By keeping track of your home inventory, you have a record of your belongings in the event of a loss. Additionally, ensure that you have enough coverage to protect your valuable items. In some instances, you need to schedule items for adequate coverage.

When it comes to your home, it’s important that you have the right insurance coverage. Review your coverage so that you can get the best homeowners insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

It’s Time to Celebrate Mother’s Day – Ways to Help You Celebrate in Oregon

It’s Time to Celebrate Mother’s Day – Check Out These Ways to Help You CelebrateCheck out these ways to celebrate Mother’s Day in Oregon.

It’s always important that you show your mom how much you appreciate her. With our busy lives, we often forget to tell our moms how much we love and appreciate all they do for us. Make time to celebrate your mom on Mother’s Day. Here are some ideas to show your mom that you appreciate her.

Share a Meal Together.

Food is a great way to celebrate Mother’s Day. Share a meal with your family to spend time with one another. Whether you go out to brunch at a nice restaurant or you pack a more intimate picnic for the park, there are many ways in which you’re able to share a meal with your family to celebrate Mother’s Day.

Find Ways to Relax.

Your mom works hard. Give her a break from her busy routine to enjoy a day of relaxation. Whether she wants to spend the day at a local spa or take a yoga class, give your mom the opportunity to find her Zen. That way she gets a little rest and relaxation on her big day.

Go on an Adventure.

Spend the day with your mom exploring a new place. Whether it’s a local museum, garden, or hiking in the Gorge, choose a new activity to try with your mom. It’s a great way to bond and a great way to celebrate Mother’s Day.

Buy Her Jewelry

They say a diamond is a girl’s best friend! A beautiful mother’s ring, a piece of locally made custom jewelry or an engraved custom necklace would be the perfect gesture.

Celebrate Mother’s Day to shower your mom with love and appreciation. Give your mom the gift of peace of mind, knowing that you’re safe and secure with the right personal insurance coverage. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Learn All About Auto Industry Trends to Help You Understand Your Auto Insurance Rates

All About Auto Industry Trends to Help You Understand Your Auto Insurance RatesFind out what to know about auto industry trends to better understand your insurance.

Understanding the current climate of the auto insurance industry is a must when it comes to your auto insurance. As injury costs within the industry increase, you can expect to see an increase in auto insurance rates. With more costly risks on the road, it’s important that you have enough coverage to protect your vehicle and liability risk properly. Find out what you need to know about current industry trends so that you can best understand your auto insurance rates.

Current Industry Trends.

The latest statistics and trends in the auto industry, it’s important to consider how these trends affect costs, and in turn, affect insurance rates. For example:

There Are More Cars on the Road.

Over the past 25 years, there’s been a spike in the number of car owners. In fact, in 2015, there were 17.5 million new vehicles sold in the U.S. The more cars people have, the more drivers on the road. This increase in the number of drivers increases the risk of an accident. In addition to this, the costs to repair and replace vehicles damaged in a claim are rapidly increasing as well.

Medical Costs Have Increased.

When a car accident occurs, often a person requires medical attention. Your auto insurance coverage helps to give you the protection that you need to cover such costs if you’re found liable for the accident. Also, your personal injury protection (PIP) coverage will cover your injuries in the event of an accident, regardless of fault. However, medical costs have increased in recent years. As prices for medical coverage have increased, auto insurance has also increased to keep up with these costs.

Learn more here!

Picture1

 

 

 

 

Follow the latest auto industry trends and ensure that you’re well protected on the road with the right auto insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Looking for a Great Brunch Spot? Here Are a Few of Our Favorites

Great Brunch Spots Throughout the Portland AreaCheck out these great brunch spots throughout the Portland area.

Breakfast is the most important meal of the day. It helps give your body the fuel it needs to jumpstart your day. Make an event out of your breakfast when you brunch. Part breakfast, part lunch, brunch is a great way to spend your weekend. Check out these best brunch spots in the Portland area.

Screen Door

Bringing classic Southern foods to the Portland area, the Screen Door Restaurant’s brunch is not to be missed. They incorporate soul food with Cajun and Creole flavors, and their delicious menu is centered around local and organic food values.

Salty’s on the Columbia

Enjoy brunch with a view on the waterfront at Salty’s. Voted as one of the best brunch spots in Portland, Salty’s offers classic American fare.  Some favorites include the made-to-order omeletes, fresh seafood, delectable desserts, and make-your-own adult beverages. Make a reservation to enjoy a wonderful brunch.

Watson Hall

Offering traditional American fare, this Beaverton restaurant is the perfect little brunch spot. Their chocolate zucchini bread and cornflake-crusted French toast are just a few of the many options on the Watson Hall brunch menu. However, keep in mind that the menu is always changing. Their ingredients are always fresh, local, and in season.

Eola Hills Wine Cellars

Enjoy a glass of award-winning wine with a beautiful atmosphere at the Eola Hills Wine Cellars brunch. Their Sunday brunches are a must for a casual, relaxed atmosphere. Their menu is always changing, but brunch is always served buffet-style. Make a reservation and check out this brunch for yourself.

Enjoy brunch at your local restaurants. Enjoy life knowing that you can rest easy with the right personal insurance policies. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Share These Safety Tips Not Taught in Drivers’ Education with Your Teens

Safety Tips Not Taught in Drivers’ Education for Your TeensTeach your kids how to stay safe on the road with these safety tips not taught in drivers’ education.

Keeping your kids safe on the road is a must. Drivers’ education helps to give them the tools that they need to follow the rules of the road. However, there’s more to car safety than what kids learn in drivers’ education. Help fill in the gaps and teach your teen about safety on the road with these tips. Here’s what you need to know.

Tire Safety.

Tires are often forgotten about. However, they’re an important part in keeping your vehicle safe on the road. Under-inflated tires or tires with low tread can increase your risk for an accident. Teach your kids to check the tire pressure regularly and to get their tires rotated when needed, so that they avoid any driving hazards.

Maintenance Schedule.

When it comes to keeping your car in good condition, it’s important to get your car serviced. Whether your car needs an oil change, wheel alignment, or new brakes, it’s important that you bring your car in when needed. Read the owner’s manual with your teen to determine when the car needs to go in for servicing.

Emergency Response.

Accidents happen. It’s important that your teen knows what to do in the event of a roadside emergency. Teach your kid what to do in the event of a traffic accident, and how to handle any vehicle disasters like a popped tire or overheated engine. Additionally, teach your child to keep an emergency kit in their car at all times, so that they have the tools that they need to handle such a situation.

Help teach your teens about road safety with these tips. Protect your teens on the road with the right auto insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Boating Bulletin – Put Your Safety First When You’re Out on the Water

Use These Boating Safety Tips When You’re Out on the WaterUse these boating safety tips to keep you safe while you’re out on the water.

As the weather starts to warm up this spring, it’s time for spring and summer activities. From camping on Mt. Hood, hiking the Colombia River Gorge, and exploring the Oregon Coast to swimming and boating, get ready to enjoy your favorite seasonal activities in the beautiful Oregon outdoors. But, it’s important to enjoy these activities safely. Boater safety should always be the number one priority when you are on or near a watercraft.

Plan Your Trip.

Before you set off on a boat or jet-ski trip, no matter how short, it’s important that you plan an itinerary. Include the names and contact information of the people going out on the water with you, the type of boat and boat registration, trip itinerary, and the types of communication systems aboard your ship. Give all your trip information to a trusted person ashore so that should you encounter any danger, you have the tools to help you out in an emergency.

Inspect the Boat or Jet Ski.

Before you leave the dock, it’s important that you inspect the boat for any issues. Follow a pre-departure checklist so that you can keep your boat as safe as can be. That way you can reduce your risk for any boating mishaps.

Don’t Drink & Drive.

Just because you’re not on the road, doesn’t mean that it’s okay to drink and drive. Operating any machinery under the influence of alcohol is dangerous. Do not drink alcohol and drive your boat so that you can keep your boat and your passengers safe while out on the water.

Ensure that you stay safe on the water all season long with these boating safety tips. Protect your boat with the right boat insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Stay Safe on the Road This Spring with These Road Trip Safety Tips

Stay Safe This Spring with These Road Trip Safety TipsUse these spring road trip tips to ensure your travels run smoothly.

Spring is here, and it’s time to enjoy the nicer weather as you set out on the open road. Spring is the perfect time of year for a road trip, especially when it comes to spring break. Ensure that your road trip goes off without a hitch with these spring road trip tips. Here’s what you need to know to stay safe on the road.

Watch Out for Potholes.

As all of us in the Portland-metro area are currently aware of, winter weather provides optimum conditions for potholes, leaving your vehicle at risk for damage by the time spring rolls around. Potholes can cause damage to your tires as well as to the alignment of your car. Such damage would be disastrous on your trip. When embarking on your road trip this spring, ensure that you do your best to avoid any potholes. Due to the extremity of the issue, the city of Portland has developed a “Patch-A-Thon” pothole map and reporting plan. Click here to view the map or report a pothole.

Lookout for Wildlife.

Spring brings new life. From flowers to baby animals, it’s important to use caution on the road this season. Go slow in less populated areas, and be on the lookout for animals crossing the road. Hitting an animal isn’t just traumatic, but it can cause serious damage to your car.

Keep a Map Handy.

When on a road trip, exploring new places is part of the fun. However, it’s also important that you have an idea of where you’re going, or at the very least, the recourses to find your way if you get lost. Before you leave on your trip, plan a general route so that you have an idea of where you’ll be and which maps you’ll need to bring. That way you can stay safe throughout your journey.

When it comes to your safety on the road this spring, ensure that you use these road trip tips. For added safety, invest in the right auto insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Use These Prevention Tips to Keep Home Mold Growth Under Control

Use These Prevention Tips to Keep Home Mold Growth Under ControlKeep mold in check in your home with these prevention tips.

From burglaries to house fires, there are many disasters that threaten the safety of your home. You take the necessary steps to protect your home from these major threats. However, mold growth often slips through the cracks when it comes to your preventative measures. Mold growth is a common occurrence in homes across the country. While it may not seem like a big deal, if left unattended, mold can lead to serious health issues for you and your family. Check out how you can keep mold at bay in your home with these prevention tips.

Manage Moisture.

When it comes to your home, it’s important that you keep moisture in check. Too much moisture in your home serves as a breeding ground for mold spores. Dry the wet surfaces as soon and as thoroughly as possible. Additionally, it’s a good idea to invest in a dehumidifier. Keep your home’s humidity levels set to 50 percent or below to reduce your risk for mold growth.

Lessen Leaks.

When it comes to keeping your home free of mold, it’s important that you take care of any leaks. Whether your roof is leaking or your sink is leaking, it’s important that you take care of these issues as soon as possible. The sooner you take care of these issues, the better off your chances of stifling mold growth.

When it comes to keeping your home as safe as can be, it’s important that you’re wary of mold growth. Take steps to reduce your risk for mold in your home. For the best protection, invest in the right homeowners insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters,  Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.

Why You Need Employment Practices Liability Insurance to Protect Your Business

Why You Need Employment Practices Liability InsuranceAll you need to know about protecting your business with employment practices liability insurance.

When it comes to your business, it’s important that you have the tools that you need to keep it safe and secure. You establish the right policies and protocol to respond to disasters, and you invest in the right commercial insurance. However, sometimes threats to your business aren’t external. Sometimes threats to your business come from your employees. Should an issue arise and your employee choose to sue your company, you’re at risk for an expensive legal battle. Get the protection that you need with the right employment practices liability insurance.

What is employment practices liability insurance?

Employment practices liability insurance is an insurance policy that offers you coverage for issues relating to employee lawsuits. It helps to protect your company, directors and officers, and employees (including former employees) from liability lawsuits pertaining to employment practices.

What coverage is offered?

When it comes to any insurance policy, it’s important that you are aware of exactly what your policy covers. Most policies offer coverage for anything pertaining to employment practices such as sexual harassment, defamation, breach of employment contract, and discrimination. However, it’s important to bear in mind that there are also various exclusions. Violations of labor laws or workers’ compensation claims are not covered by your employment practices liability insurance.

Why do I need employment practices liability insurance?

While preventative measures can help to reduce your risk for a lawsuit, you can never be absolutely sure that you’re safe from a lawsuit. Investing in employment practices liability insurance gives you the peace of mind that you’re well protected.

When it comes to your business, it’s important that you have the tools that you need to keep it safe and secure. Avoid an employment practices liability lawsuit and invest in the right commercial insurance. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters,  Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.