The Monday following Black Friday, known as Cyber Monday, has become one of the top shopping days of the year. But like so much else in 2021, not all of the deals will be just on Cyber Monday. Retail experts predicted many of the online shopping activity and special holiday sales started as early as Halloween and may continue throughout the holiday season.

But online shopping – even on Cyber Monday – has risks. Be wary of misleading advertisements, lookalike websites, and untrustworthy sellers. The following tips will help you shop online this holiday season, so you can achieve maximum savings while keeping your personal information and hard-earned money secure.

Beware of false advertising and phony websites.

If a company is selling the hottest item of the year at a price that seems too good to be true, it probably is. Watch out for false advertising and keep a close eye on the web address in your browser. Scammers love to create lookalike websites that, at first glance, appear to belong to a trusted retailer. Make sure websites use the correct spelling of a business name and have legitimate contact information and customer service numbers.

Shop with trustworthy sellers on secure sites only.

Be wary of businesses you aren’t familiar with. Check their BBB Business Profile on BBB.org, look at the rating, and read customer reviews. In addition, be sure any web page you purchase from is secure. Secure web addresses begin with HTTPS:// and not just HTTP://. Never put personal or credit card information in forms on non-secure web pages.

Keep your antivirus software up to date.

Make sure you have antivirus software installed on your computer or mobile device, and that it is up to date. This will help you to avoid non-secure websites and pop-up phishing scams, and help keep your personal information safe.

Price check before you buy.

Dozens of online retailers will claim they have the best price on an item, but their offers can be misleading. Do your homework by comparing prices. Remember that the best deal may not be the real deal.

Take advantage of rewards and loyalty programs.

Check your credit card rewards program for special point offers that could add up on Cyber Monday and throughout the holidays. Make purchases using loyalty programs; many major retailers offer them.

Use your credit card.

It’s always best to make online purchases with your credit card. If any shady charges turn up later, you will be able to contest them through your credit card company. Debit cards don’t offer this same protection. Never make purchases with online sellers by giving them prepaid debit cards or wiring them money.

Understand return policies.

Online store policies may change for Cyber Monday offers. Read the fine print before you buy. Understand the return or exchange policy for the specific item you would like to purchase. Be aware that stores may not allow returns for “final sale” or “closeout” items. Make sure to get gift receipts, so the recipient can return or exchange the item if necessary.

Watch out for phishing scams.

Busy schedules and increased purchases make it easier to miss – and fall victim to – a phishing scam. Look out for unsolicited emails, texts, calls, or letters. These messages may claim you have a free gift waiting for you or that there is a problem with a delivery – all you need to do is click on a link or give up your personal information. Avoid phishing scams by ignoring suspicious correspondence and calls from unfamiliar phone numbers.

Source: BBB.org

Very warm Thanksgiving greetings from all of us at Lallis & Higgins Insurance. As business owners, clients, prospective clients, friends and family, and suppliers our sense of appreciation for all of you has never been higher.

Like us, each of you have had unique and serious challenges during the last couple of years, most likely both professionally and personally. We are reflecting upon these challenging times with a “glass half-full” perspective and we hope that you all are doing the same. Each and every one of you has delivered a positive and enduring effect on us and our business as well as on those around you. We hope that in some way we’ve done the same for you.

Wishing you sincere peace and joy this Thanksgiving holiday. While surrounded by family and friends, we take time for positive reflection upon all of life’s blessings, we hope that you do as well. Happy Thanksgiving from everyone here at Lallis & Higgins Insurance.

What Is Renters Insurance?

Renters insurance provides coverage for your lost, damaged, or stolen personal possessions. It also provides coverage for injuries to another person that might occur in your rented home or apartment.

For example, if someone is hurt in your apartment, and the injury is deemed to be your fault, that person can file a liability claim with your insurance company to cover the costs associated with the injury.

If the injured person chooses to file a lawsuit against you, your renters liability insurance would pay for your legal defense, up to the limits set on your policy. If you do not have renters insurance, these costs would be your responsibility to pay out of pocket.

What Does Renters Insurance Cover?

Renters insurance provides financial reimbursement to cover a tenant’s lost or damaged possessions as a result of fire, theft or vandalism. It also covers a tenant’s liability in the event that a visitor is injured on the premises.

Whether the renters insurance or the landlord insurance pays for the costs associated with the injury will depend on the circumstances of the incident, the location on the premises where the injury occurs, and who is at fault.

Renters insurance can also provide compensation for alternative living arrangements in the event that your rental unit or rented home becomes uninhabitable due to storm damage or an apartment fire.

How Does Renters Insurance Work?

Renters insurance will help to pay your costs if you suffer a loss, such as a burglary. The amount of compensation you will receive depends on the type of loss and the amount of coverage you have in place.

For example, you can buy “actual cash value” (depreciated) coverage for your personal property, or you can buy replacement cost coverage for your personal possessions.

Certain items such as jewelry, collectibles or other valuable items may have a value limit or require additional insurance coverage to provide full coverage for loss, theft or damage. You will also be responsible for a deductible, which is an out-of-pocket expense.

In the event that a visitor to your home, condo or apartment is severely injured, that person can file a claim with your insurance company, and your insurer will address the claim.

Is Renters Insurance Necessary?

Renters insurance is necessary if you are renting a home or apartment and want to be sure your valuable possessions are protected from loss, theft or damage, and protects you in the event of liability claims as well.

You are not required to carry renters insurance by law, but a landlord can require renters insurance in your rental agreement in your lease.

Carrying renters insurance protects you and the landlord by ensuring that no matter what happens on the premises, either your renters insurance or the landlord’s insurance will provide compensation.

As an example, what happens if a neighboring tenant leaves cooking unattended and starts an apartment fire that damages your unit and belongings?

It’s possible that some combination of the neighbor tenant’s renters insurance, the landlord’s property insurance, and the personal property insurance in your renters policy will come into play to cover the cost of repairs.

Why Is Renters Insurance Important?

Renters insurance is important because your possessions are not protected by the landlord’s insurance policy. Landlord insurance covers damage to the building but does not protect your possessions.

Another good reason to have renters insurance is for protection against liability claims. The liability portion of your renters insurance will provide compensation if a visitor to your rented home is injured. If that person files a lawsuit against you, your renters liability insurance will also help to cover the costs of your legal defense.

Renters insurance can also cover temporary accommodations in the event that you have to live elsewhere while your rental is being repaired due to fire, smoke or water damage.

How Much Is Renters Insurance?

The cost of renters insurance is generally quite affordable. You can typically expect to pay between $100 and $250 per year on average, depending on where you live and the coverage amount you carry on the insurance policy. The national average for renters insurance is $15 to $30 per month.

The best way to find the renters insurance you need and to find an affordable policy that meets your need is to contact Lallis & Higgins Insurance.

Source: trustedchoice.com

A couple on a snowmobile about to start their day of adventure and discovery

When you ride the trail, put safety first! Follow the snowmobile safety tips listed below.

Know the law

Check with the local DNR, law enforcement agencies, dealers and clubs to make sure you follow all the rules in the area where you are riding.

Gear up

For optimum protection, always wear protective gear such as a safety-certified helmet, warm gloves, a windproof outer layer and boots.

Think ahead

Always carry your owner's manual, an extra belt, extra spark plugs, a tow rope, a small tool kit, spare parts, a flashlight, a first-aid kit and a few survival items such as a space blanket, waterproof matches and a compass.

Tread lightly

Respect nature and ride only in areas where it's permitted. Wait for enough snow to cover vegetation so you don't destroy it, avoid running over trees and shrubs and don't disturb wildlife around you.

Maintain control and stay sharp

Keep your speed right for the conditions and your experience. Be aware of current terrain, visibility and weather conditions, potential hazards or obstacles. Ride only when your senses are sharp. Never do drugs or drink and then ride.

Check it out

Be sure your snowmobile is running properly before riding. Review your owner's manual. Follow the recommended service schedule and be sure an authorized service provider makes all repairs.

Take a friend

Don't snowmobile alone. It's more fun - and safer - to ride with a friend along.

Take care crossing roads

When crossing roads, make sure you stop completely and that no traffic is approaching from any direction. Remember basic hand signals when you are turning.

Slow down at night

At night your visibility is limited to the distance of your headlight. The slower you go, the more room you have to stop. Also, avoid riding along road shoulders at night where your headlight, and those of street traffic, could cause confusion.

Beware of water

Drowning is a leading cause of snowmobile fatalities. Never cross over a frozen lake, pond or stream. You run the risk of breaking through the ice, and starting, stopping and turning are more difficult due to less traction.

Know your protected with Snowmobile Insurance

In addition to snowmobile safety, be sure you have proper snowmobile insurance coverage to protect your vehicle and provide liability coverage in case someone gets injured or property is damaged during the use of your vehicle. Learn more about coverage options for snowmobile insurance or contact Lallis & Higgins Insurance.

Source: Foremost.com

Did you know that November is Child Safety and Protection Month? It was created to raise awareness about the potential dangers that children face each and every day.

Statistics from the Centers for Disease Control & Prevention Child Injury Report are a sobering reminder of the importance of this issue. It found that an estimated 9.2 million children annually had an initial emergency department visit for an unintentional injury. Furthermore, on average, 12,175 children 0 to 19 years of age die each year in the United States from an unintentional and often preventable injury.

Safety Starts At Home

However, before we take a look at the different ways to promote national child safety protection month within our communities, it is important to learn how to promote safety and protection in our own homes.

Household Safety

Thousands of children are treated or hospitalized each year because of accidental poisonings within their own homes. The CDC found that children between the ages of 1 to 4 years had the highest rates of poisoning. These tips from the American Association of Poison Control Centers can help make your home a safe environment:

• Keep cleaning supplies, medicines, garden chemicals, and toxic art supplies locked away or on a high shelf. Make sure these items are put away immediately after each use.
• Purchase over-the-counter and prescription medicines with childproof caps. Keep them on a high shelf or in a locked cabinet, not on your bedside table.
• Keep vitamins and minerals such as iron out of reach. They can be hazardous, even fatal, to children.
• Never use food containers to store nonfood substances.
• Program the contact number for Poison Control in your phone to use in the case of accidental poisoning.

Infant Safety

For children less than one year of age, two–thirds of injury deaths are due to suffocation. It is so important to place your baby on their back to sleep, remembering that “back is best,” and “face up to wake up.” Do not allow infants to sleep with blankets, stuffed animals, or other items before the age of 1. According to Safe Kids Worldwide, these are the Top 5 Tips to Protect Your Baby (you can also download a handy tipsheet from their website): A firm mattress and fitted sheet are all you need for your baby’s crib. Remove all blankets and toys as these could result in unintentional injury. Learn to use your child’s car seat, booster seat, and seat belt the right way in your vehicle. Use this basic car seat safety checklist to help. Make sure you have both a working smoke alarm and a carbon monoxide alarm on every level of your home and in all sleeping areas. Test the alarms to make sure they work. Place your baby’s crib and other furniture away from windows and blinds. Your baby is safer without any strings or cords within reach to prevent a choking hazard. Set your water heater to 120F to avoid scalds.

Outdoor Safety

Playing outside is so important, and kids love it! However, keeping children safe outdoors requires some special precautions. Here are some tips for outdoor safety and injury prevention: Never leave children alone outside. When using tricycles, bicycles, skateboards, roller skates, and ride-on toys, ensure that children of all ages are wearing a helmet to prevent head injury. Always use safety straps to secure children in strollers, and do not put children who cannot sit up well in wagons that have low sides. Teach children not to play near the street. Explain that children must ask for help if toys roll into the street or driveway. Ensure that all outdoor play areas are fenced, especially when they are near a street, parking lot, pond, well, or railroad tracks. Keep the gates closed and install childproof latches. Also, be sure that all storage sheds, barns, and garages remain locked. Check the outdoor play area routinely. Remove all trash, sharp objects (including branches or other foliage), tools, lawn equipment, and animal feces that could result in accidental injury. Surround electrical appliances in the play area, such as air conditioners, with fences so children cannot reach them. Also, remove gas grills from outdoor play areas. When playing at a park or playground, check to make sure that the equipment isn’t too wet or too hot.

Water Safety

According to the CDC, drowning has been the leading cause of injury or death for children 1 to 4 years of age. Whenever your young child is around water, it is important to follow these safety guidelines to prevent accidental injury:

• Be aware of all bodies of water, both big and small. Swimming pools, bathtubs, ponds, ditches, fountains, watering cans, kiddie pools, and even large buckets of water can be dangerous for children when left unattended. Be sure to empty containers of water of all sizes when you are finished using them.
• Always enforce safety rules with your kids, such as no running near the pool, and no pushing or holding others underwater.
• Ensure the deep and shallow ends of any pool your child swims in are clearly marked, and never allow your child to dive into the shallow end as this puts them at risk of serious head injury.
• When swimming, children should always be supervised by an adult (preferably one who knows CPR). The adult should be within arm’s length for older children, and fully touching the infant, toddler, or young child when they are in or around water. This is important, not only in deep swimming pools but kiddie pools as well. Always be sure to empty and put away kiddie pools after each play session.
• Your child should always wear a life jacket when he swims or rides in a boat. A life jacket fits properly if you can’t lift it off over your child’s head after he’s been fastened into it. For the child under age five, particularly the non-swimmer, it also should have a flotation collar to keep the head upright and the face out of the water. Don’t allow your small child to rely on inflatable toys, pool noodles, or loungers in place of a life jacket. These toys may deflate suddenly, or your child may slip off them into water that is too deep.
• If you have a backyard swimming pool, (or a large, inflatable above-ground pool), it should be completely surrounded with at least a 4-foot (1.2 meters) high fence that completely separates the pool from the house. The fence should have a self-closing and self-latching gate that opens away from the pool, with the latch at least 54 inches high and out of the child’s reach. Check the gate frequently to be sure it is in good working order. Keep the gate closed and locked at all times. Be sure your child cannot manipulate the lock or climb the fence. No opening under the fence or between uprights should be more than 4 inches (10 cm) wide. Keep toys out of the pool area when not in use so that children are not tempted to try to get through the fence. Also, if your pool has a cover, be sure to remove it completely before swimming. Also, never allow your small child to walk on the pool cover. Do not use a pool cover in place of a four-sided fence.
• Spas and hot tubs are dangerous for young children, who can easily drown or become overheated in them. Don’t allow young children to use these facilities.
• If possible, have a phone in the pool area with emergency numbers clearly marked. Keep a safety ring with a rope beside the pool at all times.
• Be sure to eliminate distractions while children are in the water. Talking on the phone, working on the computer, and other tasks need to wait until children are out of the water. Additionally, adults should not drink alcohol when they are swimming. It presents a danger for them as well as for any children they might be supervising.

Awareness Activities at Home

In honor of Child Safety Protection Month, it is a good idea to print out the above safety tips, review them with your adult family members and children, and post them in your home. You can also print out safety tip sheets, fact sheets, infographics, checklists, and other resources from Safe Kids Worldwide to display in your home or give to family and friends. By always keeping these injury prevention tips in mind, you can better create a safe environment for all kids.

Safe Kids Worldwide also has fun, online activities for kids that you can print and complete at home to teach your children about safety and protection! Also, reading protection-themed books to your kids is a great way to teach them about safety!

Finally, take this opportunity to create a safety plan and emergency preparedness kit with your family, if you don’t have these already! Keep them visible and accessible at all times.

Raising Awareness in the Community

It truly does take a village to raise a child, and keeping them safe is also a team effort! Here are some ways that you can raise awareness of safety and protection in your community:

Share Resources

Every parent, caregiver, educator, child care provider, and community member should have access to the tips and tools to help keep the children in our communities safe! A big way that you and your family can help spread awareness is by printing out the tip sheets and other resources, and sharing them! Some examples of places to distribute or post them are at community activities, schools, child care centers, laundry rooms, apartment buildings, community recreation centers, churches, or wherever else parents are gathering in your neighborhood.

Find a Car Seat Technician (or become one)!

Car seat safety awareness is a huge issue in our communities! Child Passenger Safety Technicians are trained individuals who can give parents one-on-one personalized instruction in how to properly use and install a child safety seat, as well as information on seat belt guidelines, child restraints, booster seat recommendations, and more. You can host a car seat instructional event, find a local technician to instruct you or your family and friends, or even become trained on child safety seat installation yourself! Imagine what a tremendous asset this would be to your neighborhood! You can find all of the information regarding National Child Passenger Safety Technicians here.

Create a Cleaner and Safer Neighborhood

Do what you can to control the environment in which you live in by starting at home and ensuring that both your indoor and outdoor space is clean and clutter-free. To continue the commitment and raise awareness for Child Safety Protection Month, initiate a Community Clean-Up Day! Invite your family, friends, and neighbors to join you in keeping your community clean and safe for kids to learn and play, by removing litter and other hazards!

Additionally, a well cared-for neighborhood with mowed lawns, flowers, and freshly painted homes can help deter crime and positively affect child development. A well-kept yard also provides fewer places for suspicious persons to take cover. If there is an open lot or abandoned home nearby, work together as a neighborhood to clean up the weeds, plant trees, and do a bit of fixing up on the exterior. A little truly does go a long way!

Also, working to improve the lighting on your street or in your apartment complex is so important for child safety. While advocating for more streetlights is one way to do this, you can also ask your neighbors to turn on their porch lights in the evenings or to install motion-sensor lights in the backs or sides of the house. This helps ensure that kids stay visible when they are outside at night, and also deters potential intruders.

Get To Know Your Neighbors

In order to promote safety within your community, it is so important to get to know the people in your neighborhood. Those living next to you can often be the best form of protection available! Going on walks with your neighbors, working in your yard, and letting your kids safely play with the kids down the street helps you learn each other’s strengths and needs.

For example, do you live next to an elderly couple, who sometimes need help? Or is there a local teenager who is learning to drive? Are there small children that play outside, that drivers and other neighbors should look out for? Are there safe individuals who your kids can carpool with, or a responsible young person who can babysit your children in a pinch? Do you have each other’s phone numbers in case there is an emergency in the neighborhood? Having a way to reach your neighbors if they’re gone and something is amiss can be a tremendous asset. Organizing a neighborhood cookout, block party, or safety awareness event can encourage people to get to know one another and feel more comfortable spending time out in the neighborhood as well.

Overall, Child Safety and Protection month is a great opportunity to raise awareness, both at home and in your community! Source: all4kids.org