Off to College!

Off to College……

by:  Kathy Parsons

So, the kids are off to college?  This affects their, and your, insurance coverage in many different ways.  If your student is living in a dorm, or other campus-owned housing, your auto coverage and homeowners coverage extends to them from your policies.  (They cannot give permission for someone else to use your car, only you can do that, however).

If your student lives in a house or apartment not owned by the college or university, your coverage DOES NOT follow them for either car or auto.  These policies are tied to the phrase “member of your household”.  If they live in a non-college owned apartment or house, even if they are not on the lease, they are no longer members of your household and must obtain their own renter’s policy to cover their belongings and personal liability.  They must also get car insurance in their name, even if the car is still in yours.  Your name would be added as titleholder to cover your interests in the car.  The most common argument agents hear is “Even if…..?”  YES.  Even if.

Call your agent today to make sure you, and your student, are properly covered for their changed circumstances.  After a loss is not the time to find out you should have called before!

Home Heating Safety from the Portland Fire Department

  • Heating Season Safety

    From Chief John Baker – Portland Area Fire Authority

    I hope your summer was a safe and enjoyable one.  And as we enjoy the lovely fall colors that our great state provides let’s not forget that the home heating season is just around the corner. Below I have provided some helpful suggestions to keep your heating season a warm and safe one:
    Wood Stoves

    Wood stoves cause over 4,000 residential fires every year. Carefully follow the manufacturer’s installation and maintenance instructions. Look for solid construction, such as plate steel or cast iron metal. Check for cracks and inspect legs, hinges and door seals for smooth joints and seams. Use only seasoned wood for fuel, not green wood, artificial logs, or trash. In pellet stoves, burn only dry, seasoned wood pellets. Inspect and clean your pipes and chimneys annually and check monthly for damage or obstructions.

    Electric Space Heaters

    Buy only heaters evaluated by a nationally recognized laboratory, such as Underwriters Laboratories (UL). Check to make sure it has a thermostat control mechanism, and will switch off automatically if the heater falls over. Heaters are not dryers or tables; don’t dry clothes or store objects on top of your heater. Plug space heaters directly into wall outlets and never into an extension cord or power strip. Always unplug your electric space heater when not in use.

    Kerosene Heaters

    Buy only heaters evaluated by a nationally recognized laboratory, such as Underwriters Laboratories (UL), and check with your local fire department on the legality of kerosene heater use in your community. Never fill your heater with gasoline or camp stove fuel; both flare-up easily. Only use crystal clear K-1 kerosene. When refueling, allow the appliance to cool first and then refuel outside. Never overfill any portable heater. Use the kerosene heater in a well-ventilated room.

    Fireplaces

    Fireplaces regularly build up creosote in their chimneys. They need to be cleaned out frequently and chimneys should be inspected for obstructions and cracks to prevent deadly chimney and roof fires. Check to make sure the damper is open before starting any fire. Never burn trash, paper or green wood in your fireplace. These materials cause heavy creosote buildup and are difficult to control. Use a screen heavy enough to stop rolling logs and big enough to cover the entire opening of the fireplace to catch flying sparks. Don’t wear loose-fitting clothes near any open flame. Make sure the fire is completely out before leaving the house or going to bed. Allow ashes to cool before disposing of them. Place ashes in a tightly covered metal container and keep the ash container at least 10 feet away from your home and any other nearby buildings. Never empty the ash directly into a trash can. Douse and saturate the ashes with water.

    Finally…

    …  having a working smoke alarm dramatically increases your chances of surviving a fire. And remember to practice a home escape plan frequently with your family. Remember to change the batteries in your smoke alarm when we “fall back” an hour this fall.

    If we all follow these simple rules and get ready for the heating season now we can have a safe fall and winter.

    Sincerely,

    John A. Baker, Chief
    Portland Area Fire Authority.

    Source: FEMA, Heating Source Safety.