Wednesday, July 27, 2016

IT'S CHRISTMAS IN JULY, KIRKWOOD STYLE!!

We are so excited for this event happening tomorrow - Thursday, July 28th from 4:30-8pm!!

WHERE DO I BEGIN?!

This event will be the first of it's kind for Farmers Insurance - Kirkwood Agency and we are exploding with excited! Are you sitting down? You'll need to be because this is BIG!!! Our Christmas in July event will have all of the following:
  • First and foremost we are having this event to benefit 2 organizations - Arrow Child and Family Ministries and Royal Family Kids .We have set up an angel tree with angels for both organizations. Arrow Child and Family Ministries angels are in need of backpacks and school supplies for the upcoming school year. For Royal Family Kids we set up Angels for donations to help send a child in foster care to Royal Family Kids camp next summer.

  • Next we have Austin's Underdawgs with Austin himself serving up his gourmet delicious hot dawgs! 

  •  VENDORS!!! Let me tell you! We have some great vendors that will be here, too!!

  1. Swanky Chic
  2. Boops Boutique
  3. Threads of a Feather
  4. Creation Queen
  5. Sara's Purses
  6. Southern Charm Jewelry


AND LAST BUT NOT LEAST...

He'll be here from 5:30-7:30pm for FREE pictures!

So come on out, from 4:30-8pm tomorrow, have a bite to eat, get your picture taken with Santa for FREE, do some shopping and enjoy some great company! See everyone tomorrow!

Farmers Insurance - Kirkwood Agency
130 E Hill St
Keller TX 76248
817-898-0370

Thursday, July 21, 2016

My Homeowners Insurance Policy Will Cover My Home Based Business, Right?



Home based businesses seem to be popping up everywhere. With the internet at your fingertips you can run your business from virtually anywhere. Not to mention not having to drive to work if your business is home based. Thank goodness you have a homeowners insurance policy! Right? Well… Not necessarily. Just because your business is out of your home does not mean that your homeowners policy will cover you in case something were to happen.

Any type of loss that where to happen that had anything to do with your business typically is excluded from being covered under your homeowners policy. For instance, if your run a boutique out of your home and store all of your products (clothes, jewelry, etc…) there and there was a fire, without the right coverage, the loss of the clothing and jewelry will most likely not be covered. Nor would any of the racks you use to show these items, boxes to store them, office equipment for the business or anything that is used to run your boutique out of your home would not be covered under your homeowners policy. Even though it is out of your home, because it is a business, you must have the additional business coverage to cover the business in case of a loss.

There are endorsements that can be added to your homeowners policy or an umbrella but again, to be insure that your business is covered in case of a loss, you need to have business insurance. Business insurance can help to provide a financial buffer to get you back in business quickly after a loss with replacing your lost property and in some cases replacing lost income while a homeowners policy cannot.


Do you have coverage for your home based business? Are you wanting to know more about what coverage you may need to protect it? Call the office today, let’s set up an appointment and talk about what is best for the type of home business you have. Check out Farmers® article, “Do You have Coverage for your Home Based Business?” for more information as well. 

Saturday, July 2, 2016

Should You Be Concerned about Wildfires This Summer?

We had more than our fill of rain the last few months but now… IT IS HOT. Some days are hot and humid, some days are hot and dry and sometimes we are blessed to have a little of all three. I’m not sure what part of that is a blessing but I’m sure it is. Anyway, what we should be concerned with now are random wildfires popping up, especially with July 4th weekend.

If you are partaking in firework popping, make sure you are able to pop them in the area you are at. One thing for sure, if your county is under a burn ban then that is a for sure NO to popping fireworks. Texas A&M Forest Service’s posted a map of the most up to date counties that are under an outdoor burn ban. See the picture below. If the county you live in is colored in red, that county has established a burn ban = no popping fireworks.

Outdoor Burn Bans as of July 1, 2016
Anyone heard of Firewise Landscaping in Texas? This is a great concept! It’s a layout on how to prep the area between your home and outside items they could cause a fire.  What to know how to keep your home “Firewise”? I learned a great deal from the information on the Texas A&M Forest Service site on how to do so. They broke it down in to Zones 1, 2, and 3.

ZONE 1:
Within 30 feet of your home and its attachments you should:
1.      Keep your lawn mowed and your trees pruned 6-10 feet from the ground.
2.      Water regularly (but follow the rules if there are water restrictions in your area).
3.      Make a ‘fire-free’ area within 5 feet around your home with non-flammable landscaping materials. (for more information on non-flammable landscaping materials, check out the full articleat Texas A&M Forest Service).
4.      If the life in your plants is no more, get rid of it, especially from under a deck and within 10 feet of your home. That also goes for any dry leaves or pine needles in and around your yard, roof and rain gutters.
       ZONE 2:
       Within 30 – 100 feet of your home and its attachments you should:
1.      Like in Zone 1, keep your trees pruned 6-10 feet from the ground.
2.      Concrete and gravel will help keep fire away from your home. Driveways, grave walkways are your friend.
3.      Leave 20 feet between individual trees and 30 between bundles of trees.
 
       ZONE 3:
       Within 100 - 200 feet of your home and its attachments you should:
1.      Remove any leaves, pine cones, wood debris to prevent a quick spread in case there was a fire.
2.      Thin out your trees as much as possible so that they don’t touch other tree. In case of a fire, they suggest trimming them with 10 feet between the trees so that in case of a fire, with the branches of other trees are not touching.  
              
What about your home itself? Fire has a mind of its own and can spread sparks and embers at will. What are ways to be proactive for your home? It’s a good thing the Texas A&M Forest Service’s site had that information as well. Thank goodness for the internet.

1.      Fire resistant! If it comes in fire resistant, that’s what you want to go with: Roof, gutters, exterior walls (metal, brick, stone siding, etc…).
2.      Windows – Double- paned or tempered- glasses windows in metal framing with fiberglass or metal screens. This was a great tip as well – when buying your drapes and shutters look for fire resistant to help act like a wall to block fire from spreading into your home.
3.      It’s always important to clean your vents, making sure they are debris free.

For more information on tips to take for making your home as fire resistant as possible, check out Texas A&M Forest Service’s brochure on Fire Resistance Materials.

In a previous blog about floods, we talked about how a flood can happen ANYWHERE at ANYTIME, even if you live in a “non flood” zone. Mother Nature can change any zone at any moment. Wildfires are the same. I’m sure there are areas that are more prone to them than others but they too can happen anywhere. Be proactive and take precautions to prevent your home from being a victim of Mother Nature in general.