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Pet Damage and Homeowners Insurance Coverage

10/14/2022

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Making the decision to adopt a pet can be exciting, but it comes with a great deal of responsibility, including making sure that your new pet doesn't cause costly damage to your home. Follow these tips to keep your pet from causing damage to your home and belongings: 
  • When choosing a pet, find a good fit for you. It's tough to find the right pet, and things like the breed and temperament are important to consider. If you adopt a high-energy dog that demands attention, but you spend very little time at home, it's likely that your pet may react in a destructive manner. 
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  • Exercise your pet regularly. It can be tough to fit in regular exercise for your pet if you have a demanding job, but it's important to engage with your pet to keep them from getting bored or anxious...and taking it out on your couch, carpet, or other belongings.
  • Consider purchasing toys that keep your pet engaged. If toys are available that are appropriate for your pet's size, age and activity level, it's less likely they'll resort to scratching on your leather sofa or chewing on your table legs to keep them entertained.
  • Training is a must. It takes a lot of time and patience but making sure your pet is properly trained and housebroken can save you a lot of money and headaches in the long run. If you don't have time to train them yourself, consider obedience classes or consultants to help you understand and manage your pet's behavior.
  • Take time to pet-proof your home. If there are certain areas of your home you don't want your pet accessing when you're not home, you may want to install gates or other barriers. Look at each room from the pet's perspective and move items like plants or breakables that you don't want them to be near. Some pet owners prefer to crate train their pets, to ensure that pets won't cause damage when the owners are away. If you're adopting a puppy or kitten, keep in mind that they may not be housetrained, and take appropriate precautions.
  • Proper grooming is also important. If your dog's nails are properly clipped, accidental scratching of hardwoods, linoleum or other flooring is much more likely.

Want to take this info with you? Download the free pdf here:
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Driving Safely With Pets

10/14/2022

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If you're a pet owner who is hitting the highway for a road trip, chances are that your pet is coming along for the ride. Pets can be fun co-pilots, and taking a few extra steps before and during your trip can ensure that everyone has a safe, fun drive!
  • If this is your pet's first road trip, take them on a few shorter trips first to see how they adjust and react to riding in the car.
  • Be sure that you have the proper equipment to keep your pet secured and safe while riding in your vehicle. Depending on your pet's size, you'll want to investigate what kind of restraint, crate, or carrier is best.
  • Pack extra supplies, including water, blankets, toys, food, medications, leashes and waste disposal supplies.
  • Try to stop every two to three hours to let your pet get a drink of water, some exercise and a chance to relieve themselves.
  • When it comes to staying overnight, remember to choose locations that are pet-friendly. Not all hotels permit pets in their rooms, so plan ahead!

Want to take this info with you? You can download a free pdf here:

driving_with_pets.pdf
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Ways to Save Money on Gas and Improve Your Fuel Economy

2/25/2022

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Publish Date: 2/25/2022
​

Whether your vehicle is a small economy car or a large SUV, everyone can benefit from improving their fuel economy. If you’re concerned with saving the environment by reducing the amount of fuel you use or just want to make filling up your tank a bit easier on your wallet, read on to learn more about some simple ways to save money on gas and improve your gas mileage.

Before You Hit the Road:
  • Reduce the number of unnecessary, heavy items that are inside or on top of your car. Even if you have an empty bike, kayak, or canoe rack on your vehicle, removing the extra weight can help improve your fuel economy, especially on the highway.
  • Remember to have your vehicle regularly serviced. Even if you don’t put many miles on your vehicle, regular service can ensure that you have the best possible fuel economy, in addition to improving performance and extending the life of your vehicle.
  • If your car’s “check engine” light comes on, get to a repair shop as soon as possible. Chances are that the issue with your engine will increase fuel emissions and reduce your fuel economy, and it’s best to get these issues dealt with as soon as possible.
  • Check your tire pressure, and make sure that your tires are always properly inflated. Underinflated tires increase the rolling resistance on the ground surface, which decreases your fuel efficiency.
  • Be sure to use the motor oil recommended by the manufacturer of your vehicle. Vehicles go through a series of rigorous tests to determine the most efficient type of motor oil for your engine. Using a different weight or type from what is recommended can create increased friction on your engine’s mechanical parts, which pushes your engine to work harder.
  • Keep your gas cap sealed tightly. Over time, the rubber seal on your gas cap can begin to deteriorate, forming cracks that allow oxygen to pass through your gas tank. Increased air entering the gas tank and engine increases your fuel consumption. Replace these seals regularly, especially if you live in extremely hot or cold climates.
  • Regularly replace your air filter. It might seem simple but replacing your vehicle’s air filter as recommended by the manufacturer improves your engine’s ability to draw air from the environment, which in turn makes your engine work less hard and increases your gas mileage.
​​​While You're Driving:
  • Avoid speeding up and slowing down when driving. Overall, it’s much more economical to drive the speed limit, as accelerating quickly greatly increases your fuel consumption.
  • If possible, avoid leaving your engine idling. If your car will be stopped for more than 60 seconds, it’s better to just shut off your engine.
  • When you’re approaching a stop sign or red light, take your foot off the gas pedal early and allow your car to slow down gradually until it’s time to brake.
  • When you begin to accelerate from a stop, accelerate smoothly and gradually. This allows vehicles with automatic transmissions to shift into higher gears sooner, reducing strain on your engine and saving fuel.
  • If you’re driving on the highway, consider using cruise control when it’s safe to do so. It will help you to maintain a constant speed, reducing fuel use.
  • During the summer months, try to minimize your use of air conditioning. The engine power required to operate the air conditioner compressor can have a serious impact on your fuel economy. Similarly, when it’s hot outside, park in the shade or use a windshield sunscreen to decrease heat buildup in your car. This will reduce the strain on the air conditioner to cool the car after it’s been sitting.
 
Whether you’re headed on a long trip or just your daily commute, keep your vehicle protected on the road with the right insurance coverage. If you have questions about your current coverage or want to know how to get additional protection to help you feel safe, reach out to your local agent. They’re here to help you get answers to all of your insurance-related questions.


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Challender Insurance Agency
2115 Greenville Blvd SE
Greenville, NC 27858
Phone: (252) 321-8555
Fax: (252) 321-8592

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