800.222.2043
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800.222.2043
919.772.0233

When Things go BOOM in the Night – Fireworks Safety

For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or at one of the local parks. But for some families, the holiday is a nightmare. Homes each year in North Carolina are damaged by wayward fireworks. Thousands of people are injured in accidents. At Jones Insurance, we want your holiday to be happy, but also safe. So here are some tips to help you protect yourself and your property on the Fourth. Protecting yourself (and others) • To minimize the risk of injury, don’t use consumer fireworks. Attend a public display conducted by professionals at a local park or elsewhere. • If using consumer fireworks, always follow instructions. Do not attempt to re-light “duds” or create homemade fireworks. • Never let children handle or light fireworks. Even sparklers, which burn at more than 1,000 degrees, can cause third-degree burns. Kids under the age of 15 account for approximately 40% of fireworks injuries, according to the U.S. Fire Administration. • A responsible adult should always be present when children – even teenagers – are around fireworks. More than half of fireworks injuries happen to those younger than 20 years old. Protecting your home • According to the National Fire Protection Association, the best way to protect your home is to not use fireworks at home. • Remember, fireworks can cause grass fires and other types of blazes as well. Make sure you light fireworks in a safe area, away from homes and buildings, as well as other combustible material. Keep a fire extinguisher nearby in case of emergency. • Look out for tree limbs or bushes that could catch fire. Trimming vegetation to keep it away from your home is a good idea anyway, but it could save you from a catastrophic fire on the Fourth of July. • If your gutters have accumulated leaves, pine needles or other flammable material, clean them before using fireworks near your home. • Finally, if you won’t be home on the holiday, ask a neighbor to keep an eye on your house if others in your neighborhood will be using fireworks. With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone. Whether you’re staying at home or heading to the local park we hope you have...
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College Graduation Insurance Tips

Protect your college grad with the right insurance College graduation is an exciting time for students and their parents alike. And, while it’s easy to be immersed in graduation parties and focused on first-job jitters, it’s a time of major transitions and big decisions, and it’s essential to prepare graduates for what comes next. One area new college graduates need to address is insurance. As insurance professionals at Jones Insurance, we know insurance can be a confusing topic. We also know that seemingly small missed details can result in very large losses. We want to ensure your college graduate is protected before heading out into the real world, so we have compiled the following pointers. • Review your family’s current insurance. The first step when considering insurance for your new graduate is evaluating the coverage you currently have. Make an appointment with your agent, who can advise on whether it’s appropriate given the pending changes, and whether it will cover your son or daughter. • Know the law. Most states require drivers to have auto insurance, and most of those have minimum policy limit requirements. Research the law in your son or daughter’s state, or consult with your agent, to make sure they are covered adequately. • Read your lease. Many apartment, condominium and home rental properties require tenants to maintain a certain level of renter’s insurance, which covers the contents of the home in the event of a robbery, fire, or other loss. Make sure you know the terms of your son or daughter’s new lease, and insure them accordingly. • Don’t end up liable. Any home renter or owner is exposed to liability risk. To ensure there is adequate coverage in the event someone gets injured on your son or daughter’s property, speak with your agent about liability insurance. • Don’t gamble! Never go without. It’s simple: your son or daughter should always have insurance in place. Be sure to discuss with your agent what types they need. • Know your company benefits. Many college graduates move straight into the workforce, and most companies have benefits. Study the company’s human resources handbook to learn what benefits are available, when they go into effect, and what their limitations are. We at Jones Insurance congratulate you on the graduation of your daughter or son! Please contact us with any questions, or to request a review of your family’s insurance...
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What You Want To Know About Life Insurance

Their families end up going through some financial stress, because of their neglect. The following article will assist you in getting the best life insurance for your needs. You will gain a sense of relief knowing that your loved ones are protected. Term life insurance could be cheap, but it doesn’t last. The primary selling point of term insurance is that it costs much less than a traditional policy. A whole life insurance policy counts as a financial asset, and you can even borrow money against it. In contrast, term life insurance lasts only as long as you keep up the payments. Figure out how much you need with life insurance, and buy the right bundle. Buying too much insurance can be expensive, and not buying enough can give your family an abundance of stress. You’ll have peace of mind when you purchase adequate life insurance. Insurance Tip: You should improve your overall health before signing up for a policy with a life insurance company. Certain forms of life insurance can become quite costly. If you like to live on the wild side by bungee jumping, scuba diving or skydiving, then this may cause your life insurance premiums to increase. Some risky occupations, such as piloting a helicopter, will cause your premiums to go up. Your life insurance policy need not be for an incredibly large sum. This can empty your wallet while you are still alive. Instead, purchase a policy that is just enough to cover your family’s expenses if you die. If you are a member of a profession or pursue hobbies with a higher risk of death, your life insurance premiums will increase. Think about giving up hobbies like bungee jumping and skydiving because it may reduce your rates. Also, vacationing in dangerous locations around the world may cause you to be disqualified from getting discounts. Your premiums will go up if you practice a dangerous hobby or have a hazardous job. If you feel your life insurance rates are too expensive, think about quitting bungee jumping, scuba diving, or skydiving. Traveling to foreign countries with civil unrest or high disease rates could also cause you to become ineligible for insurance discounts. Insurance Tip: Tell your insurance company about any high-risk hobbies you participate in, such as skydiving or skiing. You should also disclose any job duties that may put your life at extra risk. When...
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