jamespage

What Are the Items Covered By Valuable Personal Property Insurance?

,
What Are the Items Covered By Valuable Personal Property Insurance

Valuable personal property insurance is purchased to cover special items that may be valued differently than other items you own. Items that are valued significantly higher due to their age or uniqueness may require a special policy that will provide additional coverage if they are lost, damaged, or stolen. It’s important to know what type of damage is covered for each type of item.

Jewelry

Jewelry that is made from precious metals and gemstones like diamonds, rubies, sapphires, and emeralds are worth much more than basic costume jewelry. While cheaper jewelry can still be insured, the pieces may not be valuable enough for their own policy. Expensive jewelry like diamond wedding rings should always be appraised before an insurance policy is purchased. Heirloom jewelry pieces may hold value simply due to their age, but an appraisal to determine their value is recommended.

Antiques

Antiques are items that hold significant value due to their age or the fact that they cannot be easily replaced. Antique and vintage style furniture, clothing, vehicles, and other household items can be quite costly to buy. While many old items have sentimental value, that doesn’t necessarily mean they hold monetary value that would require an additional insurance policy. If you are unsure of how valuable a particular antique or vintage item is, you may want to talk to an antique dealer to determine item’s real value.

Artwork

Artwork can include pen or ink drawings, sculptures, paintings, pastels, and any other type of work that holds substantial value. Pieces of art that were created by well-known artists are usually much more valuable than items made by an unknown artisan. Before you purchase personal property insurance for pieces of art, you should have your artwork appraised by a reputable art dealer who specializes in the type of piece you own. You should discuss your options with your insurance agent.

Musical Instruments

Quality musical instruments, whether they are antique or not, can be extremely valuable. Antiques can hold additional value, especially if they are still able to be used for their original purpose. Protecting these items may require the use of a case or storage in a temperature-controlled environment. If the instruments are used as part of your livelihood, make sure they are insured for their full value. Any time you buy another instrument, make sure to call your insurance agent immediately.

Insuring your most valuable possessions is essential if you want to protect yourself from financial loss. Purchasing personal property insurance coverage is not something you should take lightly. Contact James Page Insurance if you have any questions about insuring your valuable items. We have the answers you are looking for and will assist you in finding the right coverage.

/by
jamespage

Life Insurance for Kids: What You Need to Know

,
life-insurance-for-kids-what-you-need-to-know

Parents have different opinions when it comes to buying a life insurance policy for their kids. While some believe it’s a great financial tool to protect a child’s future, others doubt whether it is required.

Before making your final decision, go through the advantages and disadvantages of buying a life insurance policy for your kids.

Advantages 

The Earlier, the Better

A child with a chronic disease may not be eligible for life insurance later. If you have a history of congenital conditions in your family, you might want to insure your child early. Once they are insured as a healthy child, they will be covered for the entire policy’s duration even if they fall sick later on.

Future Financial Protection

Most child life insurance policies are whole life policies that come with a savings account. Along with low premiums, your child will also benefit from the savings they can access for future needs or emergencies.

Coverage for Unexpected Expenses

A life insurance policy can provide you cash to cover the unexpected medical and other expenses. The policy will ease your burden during financial difficulty.

Disadvantages 

Unnecessary Expense

Life insurance is ideally taken by the breadwinners of the family to protect their families after death. Children rarely earn any income to support their families, which minimizes the need to have them covered. Besides, the cost of losing a child cannot be covered.

Alternative Saving Options

Experts who advise against purchasing a life insurance policy for kids say that such plans are outdated, and there are better options for protecting your child’s future.

Consider the requirements and your financial stability before buying a life insurance policy for your kids. To learn more about life insurance, contact the experts at James Page Insurance today. We can help you find the right insurance policy that meets your coverage needs and budget.

/by
jamespage

Top 5 Sleep Myths You Need to Stop Believing

top-5-sleep-myths-you-need-to-stop-believing

Consistent sleep for 7 to 8 hours is important for our body to function properly. However, our busy life and certain sleep myths are taking a toll on our sleep. Here some of the most popular sleep myths are debunked.

1. Go to Bed Early to Sleep Sooner

We’ve all been told that if you do not feel sleepy, get into your bed, and you might fall asleep. The truth is that if you stay in bed without sleeping, an unhealthy connection between your bed and your wakeful state is established.

If you do not feel sleepy, engage yourself in some activities like meditation and relaxation, reading, or listening to music that can help induce sleep.

2. Snoring Is Harmless

Snoring can be a symptom of a severe sleep disorder called obstructive sleep apnea. This problem not only compromises your sleep quality but also increases the risk of cardiovascular diseases.

3. Sleeping on Weekends Can Compromise Your Lost Sleep During Week Days

Sleeping over the weekend doesn’t reverse the harmful effects of a lack of sleep during the week. It’s best to adhere to a consistent sleep schedule every night.

4. Alcohol Helps You Sleep

Alcohol will never help you fall asleep. It restricts your body from producing melatonin that is necessary for a relaxed sleep. If you drink alcohol before bed, you’re more likely to wake up frequently during the night and get less deep sleep.

5. Air Circulation Helps You Stay Awake While Driving

Just opening the car window or turning on the air conditioner when driving may not help you stay awake. If it’s difficult to stay awake while driving, stop the car and take a short nap instead.

 

These are some common sleep myths that you need to know to stop believing them anymore. If you need assistance with your health and life insurance coverage, contact the experts at James Page Insurance. We’re always available to answer all your insurance-related questions.

/by
jamespage

How to Downsize Your Belongings and Simplify Your Life

5 Tips to Downsize Your Belongings and Declutter Your Life

You may take a look around your home to realize that half the things you’ve accumulated over the years are of no use to you now. These things occupy valuable space that can be used for newer, better items. Also, maintaining these objects is likely to consume a lot of your time. This is why you should know how to downsize your belongings or possessions effectively. 

Not sure how to downsize your belongings? Here are 5 tips for you to downsize your possessions.

5 Effective Tips To Downsize Your Belongings and Simplify Your Life:

Follow the 80-20 Rule

The famous Pareto 80/20 rule applies to all walks of life—even your stuff. According to the principle, you technically only use 20% of your possessions 80% of the time. So while downsizing your possessions, remember to keep the things that you often use and get rid of the rest.

Start Small

You don’t have to hold off on the decluttering process until the weekend. Allot half an hour of your time daily and start from small corners such as a drawer or a cupboard. This way, you won’t be overwhelmed, and the progress will keep you motivated.

Organize the Process of Downsizing Your Possessions

For an effective downsizing process, try adopting New York Times best-selling author Josh Becker’s four-box method: trash, give away, keep, or relocate. Once you pick an item, make a firm decision as to which of the above category it belongs to. Delaying your decision will only waste your time and increase your work.

Go Paperless

Stop all future paper items from entering your home by transferring everything online. Going paperless with bank statements and bills will save you more space and will provide so much help in downsizing your belongings than you’ve imagined.

Only Keep What You Love

Downsizing experts advise you not to hold on to ordinary items and keep what you truly love. It’s okay to be emotionally attached to some of your belongings, but keep in mind that they are only material possessions and not a part of you.

Remember, if you want to simplify your life, less is more. If you are looking to get the right coverage for your possessions, contact the experts at James Page Insurance today. We are happy to answer any insurance-related questions.

/by
jamespage

10 Flu-Fighting Foods That Will Keep You Healthy

10 Flu-Fighting Foods That Will Keep You Healthy

While the medical community tries to identify a cure for coronavirus, you can build your immunity to fight flu-like symptoms. Take a look at ten flu-fighting foods that will keep you fit and healthy.

What Foods Are Good for Fighting the Flu?

1. Mushrooms

Mushrooms contain glucans, a type of carbohydrate that gives it antiviral properties. Different varieties have varying amounts of glucans, so include the correct type in your dish.

2. Garlic

Garlic boosts your body’s natural killer cells and reduces the severity of flu symptoms. Raw garlic or aged garlic extract is the best form to consume.

3. Kiwi Fruit

If you are wondering which fruit is best for your flu symptoms, kiwi is what you need. One cup of kiwi gives almost 300% the average daily dose of vitamin C—a natural flu eradicator.

4. Greens

Spinach, kale, and other leafy vegetables have immune-enhancing nutrients such as vitamin C and E. It is best to eat them raw throughout your illness.

5. Pumpkin Seeds

Pumpkin seeds are the best vegetarian source of zinc that reduces the length of colds. Consume the seeds without 24 hours after the symptoms show.

6. Plain Yogurt

The probiotics, or healthy bacteria, in yogurt and other fermented foods increase the activity of the body’s killer cells. Unsweetened varieties of yogurt have the best effect.

7. Oatmeal

A hot bowl of whole oats contains the immune-strengthening beta-glucan fiber, which builds body immunity.

8. Spices

Pepper and horseradish can reduce symptoms such as sinus and chest congestion. However, you should avoid spices if you have a sore throat.

9. Broth

Broth helps you get rid of a sore throat and relieve congestion. You can add chicken or vegetables to the soup if you want.

10. Water

Staying hydrated is the simplest way to build immunity. Consuming adequate water can eliminate toxins.

While these ten flu-fighting foods will build your immunity, it is always advisable to protect yourself with life insurance. For assistance with your coverage needs, contact the experts at James Page Insurance.

/by
jamespage

Here’s How You Can Slow Down and Connect Yourself to Nature

Here's How You Can Slow Down and Connect Yourself to Nature

Staying lonely or busy in work can affect your emotional well-being, health, and your relationships with others. Try to connect yourself with nature and break the monotony of your hectic life. Here’s how you can get started.

Get Some Fresh Air and Sunlight

Spend some quality time with your family in your garden or patio to experience and cherish nature. This will soothe your mind and rejuvenate your body.

Step Outside

Come out so that you can notice what is happening around you and your environment. This will increase your awareness of your surroundings.

Bring Nature Inside

The best way to slow down and connect yourself to nature is to bring some plants inside your home. Simple gardening tasks like watering plants and trimming the grass can uplift your mood and relieve your anxiety and stress.

Use Natural Products

Natural products have pleasant fragrance and amazing antioxidant properties. A bath or spa with organic products will slow you down and rejuvenate your body and mind.

Eat Fresh Fruits and Vegetables

Include fresh fruits and vegetables in your diet. Apart from replenishing your body with the required vitamins and minerals, it will also improve your gut function.

Go for a Short Drive

Go for a short drive to enjoy the nature. Letting the fresh air come in through your car window will calm you down and soothe your mind.

Play or Meditate Outside

Instead of watching TV and playing with gadgets, come out of your home and play some outdoor games with your kids. This will help you stay connected with them as well as to the great outdoors.

With these tips, you can slow down and connect yourself to nature. Do you need help with your life insurance coverage? Contact the experts at James Page Insurance. We are ready to help you with all your life insurance needs.

/by
jamespage

Protect Your Pets from Spring Risks

,
Protect Your Pets from Spring Risks

Keeping your furry friends safe this spring.

As a pet owner, you want to do everything in your power to keep your four-legged friend safe.  This is why you need to watch out for common springtime risks.  Here are some of the hazards that you need to be particularly wary of.

  • Fleas and Ticks

If your pets like to play outdoors, then they are at risk for flea or tick bites.  Not only can these pests make your pets itchy and uncomfortable, but they can also infect them with serious diseases such as Lyme disease, ehrlichiosis, Rocky Mountain spotted fever, anaplasmosis, and so on.  To protect your pet from these parasites, take them into the vet and have then apply a preventative treatment.

  • Fertilizers

During the spring months, you may be excited to get your garden back in shape.  However, common plant fertilizers can be very dangerous if your pets ingest them.  If you are working with fertilizer, then you should store it where your pets cannot reach it.  You should also consider switching over to fertilizers that are all-natural and free of herbicides, fungicides, and pesticides.  This way, if your pet does ingest the fertilizer, it will not poison them.

  • Snakes

With temperatures warming up, many poisonous snakes are coming out of hibernation.  Unfortunately, your playful pet might mistake these dangerous reptiles for a fun playmate.  To protect your pets from snake bites, check your backyard before letting your pets loose.  Additionally, if you see that your pet is distracted or investigating something on the ground, run over to make sure they haven’t uncovered a snake.

These are some of the serious springtime risks that you need to protect your pets from.  Are you looking for another way to protect your loved ones?  Then make sure you have the right insurance in place.  For assistance with all your personal insurance needs, contact the experts at James Page Insurance today.

/by
jamespage

Try Out These Spring Cleaning Tips this Year

,
Try Out These Spring Cleaning Tips this Year

Tips to get your home in order this spring.

With temperatures warming up, you may be thinking about your annual deep clean.  Not sure how to get started on your spring cleaning this year?  Then try out these suggestions to get your home in order this season.

Have the Right Supplies

Cleaning your entire home requires quite a few cleaning products.  The last thing that you want is to start cleaning only to realize that you don’t have the right supplies on hand.  So, before you begin the big clean, make a list of everything that you will need to get your home into order.  Common cleaning supplies include the following:

  • Vacuum cleaner and replacement bags
  • Mop
  • Broom
  • Garbage bags
  • Glass cleaner
  • Disinfectant
  • Multi-surface cleaner
  • Bleach
  • Paper towels
  • Sponges
  • Steel wool

Work in Stages

Trying to clean your entire house all at once will only cause you to rush and do a bad job.  This is why you should divide your house into various sections and try to tackle one of these sections a day.  While it may be annoying to stretch your spring cleaning over several days, this is the best way to make sure that you are doing a thorough job.

Hire Professionals for the Big Things

Many homeowners like to take care of bigger cleaning and maintenance tasks in spring.  If you want to clean your fireplace and chimney, flush out your water heater, power wash the exterior of your home, or take on larger cleaning projects, then you should hire a professional to handle these jobs.  Attempting to tackle these tasks on your own could be dangerous.

These are some of the spring cleaning tips that you should try out this year.  Want another way to take care of your home?  Then make sure you have the right homeowners insurance in place.  For assistance with all your home coverage needs, contact the experts at James Page Insurance today.

/by
jamespage

Dispelling Common Myths About Electric Cars

, ,
Dispelling Common Myths About Electric Cars

Don’t believe these lies about electric vehicles.

As electric cars become more popular, so do the misconceptions about them.  Sadly, these mistruths often prevent drivers from giving these eco-friendly vehicles a fair chance.  To ensure that you aren’t making unfair assumptions about electric vehicles, here is the truth behind some of the most common myths.

“They Don’t Have Enough Range.”

Many drivers believe that electric cars cannot hold their charge long enough to travel long distances.  In reality, the average American drives about 40 miles a day.  Even the shortest-range electric vehicles can travel double that on a single charge.  Generally, electric vehicles have the ability to get anywhere from 150 miles to 310 miles on a single charge.

“They Cost Too Much to Maintain and Repair.”

Many drivers write off electric vehicles because they believe that they are too expensive to maintain and repair.  While it’s true that electric cars do require unique parts and specialty technicians, this cost is offset by the fact that they do not require as much maintenance.  Unlike standard cars, electric vehicles do not require regular oil changes or tune-ups.  Additionally, electric vehicles have fewer moving parts that require servicing or replacement.  Because they are so low maintenance to own, electric vehicles are also very cost-effective.

“They Are Too Slow.”

Many drivers hold the belief that electric vehicles are glorified golf carts.  However, you may be surprised to learn that most electric cars are actually quicker than standard gasoline-powered cars.  This is because an electric motor generates 100% of torque instantly.  This means that electric vehicles can actually reach their top speeds in a fraction of the time it takes gas-powered cars to get there.

This the truth behind common electric car myths.  Interested in getting an electric vehicle?  If so, then make sure you protect it with the right auto insurance.  For assistance with all your car coverage needs, contact the experts at James Page Insurance today.

/by
jamespage

Traveling Safety Tips for the Holidays

,
Traveling Safety Tips for the Holidays

Stay safe as you hit the road this holiday season.

If you are planning on traveling this holiday season, then safety should be at the forefront of your mind.  Whether you plan to drive, fly, or take public transportation, there are things that you can do to protect yourself and your loved ones.  Here are some of the traveling safety tips that you should employ.

  • Get Your Car Serviced

If you are driving to your holiday destination, then the last thing that you want to deal with is car trouble.  To ensure that your car can handle the road trip, make sure that you schedule an appointment to have it professionally serviced.  Additionally, make sure that you have updated your car emergency kit so, if you do experience minor car trouble, then you can quickly make the repair and get back on the road.  Make sure that your first aid kit is also well-stocked so you can treat minor injuries or illnesses along the way.

  • Take Breaks

Driving for an extended period of time is stressful and tiring.  When you have to focus on the road for too long, your mind tends to wander, and you can actually fall asleep behind the wheel.  To keep yourself and others around you safe, make sure that you pull over and take frequent breaks during a long trip.  If you have other drivers in the car, then consider switching out with them.  This will ensure that the driver is fresh, alert, and able to focus on the task at hand.

  • Stay Hydrated

Whether you are driving, flying, or taking some other mode of transportation, it’s important that you stay hydrated.  A lot of times, the stress of traveling makes us forget about taking care of ourselves.  However, getting dehydrated can make you grumpy, and can also cause headaches and drowsiness.  To ensure that you are alert and at peak condition, make sure you keep drinking throughout the duration of your trip.

  • Wash Your Hands

If you are flying or taking public transportation, then make sure that you wash your hands with soap and water as often as possible.  Unfortunately, the holidays overlap with cold and flu season, and many people may be sick or carrying disease-causing germs.  Because you cannot really avoid coming into contact with others when taking planes, trains, or buses, the best you can do is ensure that your hands are clean.  Carry around hand sanitizer just in case you are unable to wash your hands.  Be particularly careful to wash up before eating or touching your face.

These are some of the safety suggestions that you should employ while traveling this holiday season.  Want another way to protect yourself and your loved ones?  Then make sure you have the right personal insurance in place.  For assistance with all your coverage needs, contact the experts at James Pages Insurance today.

/by