Hello September!
We can't wait for our pumpkin spice lattes and bonfires this season. Cozy up with a book and watch the leaves change this season. Check out our newsletter below for tips on smart-home devices and fall activites! |
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| Smart-Home Devices May Save on Home Insurance |
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While smart-home devices can add a considerable amount of convenience and comfort to your home, they can also help you save money on your home insurance. There are a wide range of smart-home devices that you can have installed in your home - everything from smart thermostats to smart speakers. Before you purchase any of these devices, you should know which devices might save you some money.
Even though millennials were old enough to purchase homes in 2019 (23 to 38 years old), there are numerous factors that have caused this generation to avoid buying homes at the same rate as previous generations. However, 2022 marks a notable change in millennial homeownership.
Policy Discounts
Many insurance providers will provide discounts to a homeowner who installs a smart-home device that's designed to prevent theft, water damage, or fire damage. These discounts are generally applied to your monthly premium, saving you money every single month. While there are a wide range of devices available to aid in theft and damage protection, the ones that tend to be eligible for discounts are security cameras, smoke detectors, and water leak sensors.
Certain insurers may provide discounts for other devices like motion sensors or smart locks. You should speak with your insurance company to identify which devices will qualify you for a discount.
Device Discounts
There's also a possibility that your insurance provider has a partnership with one or more smart-home device companies. In this case, the device company may offer reduced prices for anyone who has a policy with the insurance provider. Your insurance carrier can tell you if they have any partnerships that qualify you for smart-home device discounts.
Before you have any of these devices installed, keep in mind that different insurance providers offer different discounts and benefits. Some may offer both policy discounts and device discounts! Speak with your insurance company to see what you are eligible for.
Why Insurance Companies Offer These Rewards
Insurance companies want to incentivize smart-home devices because these devices can mitigate expensive problems. When water or fire damage occurs, your home insurance provider may need to pay out a costly insurance claim. If a smart-home device can detect these issues early, your insurance provider can save money, which is why you're able to benefit from a policy discount and a potential device discount.
Take a smart water detector for example. This detector is commonly installed near your water heater. In the event a leak occurs, it would emit an alarm and immediately send a text alert to your smartphone. That notification allows you to respond immediately, rather than discovering the leak hours or days later, thus preventing substantial water damage.
Choosing to install smart-home devices in your home can improve your livelihood and help you prevent theft and damage to your home. Doing a little research with your insurance company before you purchase can save you money on top of that. |
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| Fun Activities to Get the Most out of Fall |
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While the warm summer months are great for family vacations and barbecues, the fall season is the perfect time to take part in some fun and festive local activities. Here are some ideas for fun fall activities for you and your family and friends to enjoy.
Set a Routine for Your Family
 One of the first things you should do to get everyone back in the habit of waking up early and heading off to school is to set a routine that your entire family can follow. Speak with your children about the amount of time they must spend each day doing homework. You should also consider setting some free time where your child can do the things that they enjoy. In the few weeks before the school year begins, try to re-establish your child's study routine, which begins by encouraging your child to wake up and go to bed at the exact same time each day. Practicing a set routine before the school year starts should help get everyone on the same page.
Get Organized
Whether you have kids or not, it’s a great time of year to clear out the clutter and get organized. Once the school year begins, things can get hectic quickly. Homework, sports, and extracurriculars can take over the calendar, leaving you little time to do other important tasks. While the summer season is still here, consider taking some time to clean, declutter, and invest in organizational supplies like storage bins, extra shelving, coat hooks, whiteboards, etc. Getting your home and yourself organized now will pay dividends throughout the school year.
Take Advantage of Sales
Many retail stores hold back to school sales that last throughout most of August, which means great deals on everything from school and office supplies to clothes and home goods. This is the perfect opportunity to buy books, school supplies, backpacks, and everything your kid needs for the new year. This is also a great time to update your child's wardrobe. Bring your child with you when you shop to help them get excited about heading back to school.
Even if you don’t have kids, you can take advantage of these fall sales to refresh your own wardrobe and home spaces and put yourself in the right headspace for the new season.
Keep Your Child's Mental Activity High
While most children will invariably want to spend most of the warm summer months having fun and spending time with friends, the lengthy duration of the summer can make it difficult for children to readjust to the school learning environment. It's even possible for children to forget a considerable amount of what they learned during the school year.
If you want to make sure that your children are properly prepared for the school season, try to spend 10-15 minutes playing educational games with your child. These games can easily be played at home or while you're on vacation.
The back-to-school season is the perfect time of year to make changes to your routine and your home. If you've been thinking of moving to a new place, it’s a great time of year to buy or sell a home and give yourself an opportunity to get settled before the start of the new school year. |
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