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home maintenance

10 Simple Steps to Keep Your Home in Shape

Maintaining your home can be a daunting task at first. Unexpected mishaps occur, causing homeowners and landlords costly repairs. But with diligent checkups, you can prevent those mishaps from getting unmanageable and keep your home in shape all year long. Below are 10 basic maintenance routines that can save you headaches and prevent major repairs.

  1. Routine checkups

Start simple: Test and replace the batteries for your smoke detectors and carbon monoxide detectors. Even hard-wired smoke detectors have backup batteries that need to be tested and replaced. This routine checkup can prevent massive home damage and keep your loved ones safe.

  1. Yes, fire extinguishers do expire

If you’re not sure if you can still rely on your fire extinguisher, check the pressure gauge. If the needle is in the green, your fire extinguisher is in the clear. Otherwise, it’s time to get a new one.

  1. You have the power

Every month, test all Ground Fault Circuit Interrupt (GFCI) outlets by pressing the “test” button or using a GFCI tester. Call a professional electrician to help if you’re unsure.

  1. Clean air, clean home

Change your heating, ventilation and air conditioning (HVAC) filters every one to three months, depending on your household. If you have a large household with pets, your filter may need to be checked more often. If your filter is damaged, replace immediately. Regular filter changes are key to maintaining healthy air quality in your home. Bonus benefit: increased HVAC efficiency, which means lower cost to run.

  1. Test the waters

If you have rooms that aren’t occupied daily, such as a guest bathroom, be sure to run the faucet and flush the toilet. This will help prevent grime or buildup.

  1. Rinse and repeat

If your washing machine and dryer are not routinely monitored, it can be hazardous to your home. Regularly check for exhaust to come out of your dryer. (Tip: it should smell like fresh laundry!) If exhaust is not coming out, check for blockages — this may require a professional. Additionally, be sure there are no leaks in your supply hose. If you have a metal supply hose, tighten it until it cannot be tightened any further.

  1. Clean the lint

Always clean the dryer lint screen after every load of laundry to prevent fires!

  1. Basement patrol

Don’t forget about the basement! Take a look through the area for any repairs and mold. If your concrete walls are visible, make note of any cracks and water because these can be indicators of foundation issues. Use a piece of chalk to mark any cracks so you can track the “growth.”

  1. Chimney sweep

To prevent a chimney fire, check the chimney, fireplace and vents at least once a year to remove buildup of soot and creosote. Removing creosote can be a challenge, so it’s recommended to have your chimney inspected by a Chimney Safety Institute of America (CSIA)-certified chimney sweep. Another tip: Never burn trash, cardboard boxes or trees in your fireplace because these can spark fires!

  1. Deep clean

Just as dentists recommend flossing your teeth in addition to daily brushing, it’s recommended to give your home a deep clean to enhance home care. Take one day a month to walk through your home and clean all the nooks and crannies. This includes baseboards, doorframes, cabinets and more. A clean home is a healthy home.

 

By regularly completing these 10 basic tips, you reduce your risk of frequent and costly home repairs. When in doubt, contact an experienced plumber, electrician or other professional.

As all homeowners know, anything can happen; so make sure your property is covered with a home insurance policy from Madison Mutual. Be a champion of safety and contact an agent today to determine the best coverage for you.

old photos and documents

Keeping Memories Alive: How to Preserve Family Heirlooms

Memories of lost loved ones are often sparked by the presence of something which once belonged to them. Your grandmother’s wedding ring reminds you of how you used to slide it off her finger and try it on your own. Your great-grandfather’s pipe brings back the sweet tobacco smell that filled your nose whenever you hugged him. Old photographs stir up smiles and tears as you see the faces of relatives once more.

Mementos are powerful things with incredible stories. But what should you do to make sure they’ll still be around for future generations to enjoy? Here are our ideas to help you preserve your family heirlooms for years to come.

Handling

Dust, dirt, and oils from your hands can damage or ruin antiques. You should always handle them gently and with clean hands. To further ensure a clean touch, invest in a pair of white cotton gloves to wear as you examine the items. Hold pictures and papers along their edges rather than down the middle to prevent smudges or crinkles.

Cleaning and Repairing

Wipe down items with a clean rag to brush off dust. If mud is caked on, try removing it with a little bit of water, but avoid vigorously rubbing it. If you discover damage that you would like repaired, it is best to talk to a conservator before trying to fix it yourself.

Documenting

Physical objects can’t last forever, but words can. Take a picture or scan an item and record the memories you have attached to it. Ask relatives to share any information or stories they can to enhance the significance of the heirloom. Do some research online or at your local library to learn more about the specifics of each item. You may stumble across how best to preserve it in the process.

Storing

Keep keepsakes in safe places. Always check storage areas for mold, water, glass breakage, and any holes through which rodents or bugs could crawl. Dampness and humidity can damage fragile items, so basements, attics, outside walls, and any heat sources should be avoided. Instead, aim for storage areas with a stable environment, filtered air, and a temperature no greater than 72° Fahrenheit. Be sure to wrap items in acid-free paper and keep them in acid-free containers. If you can’t find an appropriate location in your home, consider storing smaller heirlooms in a safe deposit box at your bank.

Displaying

If you put photographs, textiles, or artworks on display, make sure they are hung on or placed near the wall that receives the least amount of direct sunlight. Further reduce exposure by framing artifacts behind ultraviolet light-filtering glass and periodically rotating out items on display for those in storage. An additional option to consider if you’re still worried about potential damage is to frame copies rather than the original keepsakes.

Appraising

Although most heirlooms are treasured purely for sentimental reasons, some may actually be worth a considerable amount of money. If you think you have something valuable on your hands, contact an expert to have it appraised, and record the approximate value alongside the artifact’s history.

Keep your memories alive by protecting your family heirlooms and treasured possessions with a homeowners insurance policy from Madison Mutual. Call your agent today to make sure your valuables are properly insured or visit www.madisonmutual.com to learn more.

no texting and driving sign

14 Effective Ways to Help You Fight the Urge to Text and Drive

The smartphone: unparalleled connection and information in the palm of your hand. You have practically the entire world at the tip of your fingers. Regardless of how invaluable such technology is, it can still serve as a temptation for some people, especially while in the driver’s seat.

Texting while driving is banned in 46 states and Washington D.C., but many drivers still choose to endanger their lives and the lives of others by using their phones. Don’t let yourself or a loved one become another distracted and dangerous driver! Use these tips to put down the phone and concentrate on the road.

Out of the Car:
•Download an app such as Cellcontrol, TextLimit, or Live2Txt to block certain cell phone features while driving.
•Watch interviews with accident survivors. Hearing their testimonies can be very powerful in helping you remember your motivation to put your phone down. You can find many of these on YouTube.
•Make a promise and keep it by signing an anti-texting pledge.
•Practice patience in every aspect of your life so that when that message comes while you’re on the road, you know it can wait.
•Highlight the risk. Close your eyes and count to 23 – the average time a driver’s eyes are taken off the road to send a text message.
•Understand and utilize #X – the message that says you can’t talk because you’re about to drive.

In the Car:
•Think about what you need to do before you start the vehicle. Send a message, make a call, program the GPS, or choose a music playlist, then put away the phone and put the key in the ignition. This keeps you from tinkering with your phone for the information or entertainment you need while on the road.
•Set your phone to “Do Not Disturb” or silent so you won’t know when a new message comes your way.
•Turn your phone off completely.
•Follow that old “out of sight, out of mind” proverb and put your phone in the glove compartment, trunk, backseat, or anywhere out of reach.
•If you absolutely must use your cell phone while in your vehicle, safely pull off the road first.
•If you’re traveling with a passenger, let them be your designated texter. They can read the messages aloud and type out your responses.
•If you don’t want your passenger involved in your personal affairs, have them simply hold on to the phone for you and give it back once you reach your destination.
•Live by example! If you don’t want your loved one texting while driving, then practice what you preach and stay off your phone.

Anything can happen even if you don’t use your phone while driving. Make sure your car is covered with an auto insurance policy from Madison Mutual. Call your agent from the safety of your home or office or anywhere but the road to determine what type of coverage is best for you!

how to deep fry turkey safely

9 Tips to Help You Deep Fry Your Thanksgiving Turkey Safely

There’s nothing quite like enjoying a delicious, crispy fried turkey on Thanksgiving Day! This method of cooking will give you a mouth-watering, tender turkey to savor; however, you will need to take the proper steps to ensure that your meal is cooked properly and that you stay safe. After all, deep fryers present quite a few fire hazards, so extra caution needs to be taken.

Don’t let deep frying scare you away from having an amazing Thanksgiving meal! Just follow our tips below to stay safe when you’re frying your turkey:

Keep Them at a Safe Distance – When using an outdoor fryer, make sure that you keep them off decks, out of the garage, and more than 10 feet away from all buildings, cars, and trees.

Thaw and Dry the Turkey Completely – It is especially important to thaw and dry your turkey completely before placing it in the fryer. Even the smallest amount of water or ice can cause dangerous flare-ups when it comes in contact with hot oil, which can cause terrible burns or fires.

Watch the Weather – Keep an eye on the weather. Never operate a fryer outdoors in the rain or the snow.

Keep It on a Level Surface – Always be sure that your fryer is placed on a level surface and avoid moving it once it’s in use.

Protect Yourself – Always use thick oven mitts when handling your pot. The sides, lid, and handles can reach extremely high temperatures due to the hot oil inside. It’s also a smart idea to wear goggles to shield your eyes.

Watch the Oil Temperature – If you don’t have one already, purchase a fryer with temperature controls. When you’re cooking, watch the oil temperature carefully. Oil that is heated beyond its smoke point can catch fire, so if you notice that the oil is smoking, turn the fryer off right away.

Never Leave It Unattended – Don’t leave your fryer unattended, and keep children and pets away from the fryer at all times. Fryers can be easy to tip over, which can be a recipe for disaster.

Keep a Fire Extinguisher Nearby – Should a fire break out, you will need a fire extinguisher close by to help you put it out. Make sure that you and your family members know how to use it properly as well.

Take Care Once the Turkey Is Done – Once your turkey is done, carefully remove the pot from the burner and place it on a level surface. Cover it to let the oil cool overnight before you dispose of it.

We hope that these safety tips will help you have a happy and safe Thanksgiving this year. Don’t forget to keep your home up-to-date with an insurance policy from Madison Mutual! Visit us online at www.madisonmutual.com to learn more about us.

home maintenance tips

7 Essential Fall Maintenance Projects for Your Home

The leaves may still be falling, but winter is coming. Make sure your house is in order by spending some time on maintenance! Keep you and your loved ones safe and warm by preparing your home for the winter storms.

Here are 7 simple and cost-effective projects to check off your list before the cold weather hits.

Step Up Home Safety – Make sure all your safety devices work properly before you turn on the heat. Replace batteries in carbon monoxide and smoke detectors and purchase new fire extinguishers if the ones you have are expired.

Keep Warm by Weatherstripping – Gaps through which heat can escape are found in many places around the house. Examine doors, windows, around protruding pipes, foundation lines, and near chimneys to see if there are any problems. Slowly move your hand around the area and feel for a leak. If you find one, plug it up appropriately by applying weather stripping, caulk, or sealant to the area.

Show the Insulation Some Love – Install new insulation or improve existing insulation to prevent cold air from seeping into your home. Focus on lining the attic and walls to help save on energy costs.

Get Your Furnace and Chimneys Checked – Preemptive maintenance can save time, money, energy, and lives. Make sure your chimneys and furnaces are clean and in good working condition before you even have to use them. Schedule an inspection from a qualified technician to ease any worries or fix any problems you find.

Clean the Roof and Gutters – Check your roof for loose shingles, branches, or nests, which could fly off in heavy winter winds. Be on the lookout for any weak spots susceptible to caving in from the weight of heavy snow or ice. Check that all gutter hangers are fastened securely. Thoroughly clean leaves and any other debris out of your gutters, especially around the elbows and bends in your downspouts. Remember, clogged gutters can lead to water damage to your roof or siding.

Give Your Landscape Some TLC – Be sure to trim your trees and shrubs! Cut away limbs that are dead or dying to prevent them from falling during winter storms. When in doubt about which branches could pose a threat, hire an arborist to point them out or cut them for you. Rake leaves off your lawn so spring growth can thrive. While outside, check your driveways and walkways for any cracks and seal them. If you have any outdoor furniture, make sure you clean it and store it in a dry place.

Check Your Pipes and Faucets – Prevent water problems inside your home by fixing any leaky faucets, draining your hot water heater, and checking the tank for a buildup of sediments or rust. Take care of your pipes outside, too! Unscrew all garden hoses, store them in a safe place, and turn off the valves to your exterior faucets. Make sure you run the water until the pipes are completely drained to keep them from freezing, and don’t forget to drain your irrigation system while you’re at it.

Anything can happen as the days grow colder, but we’ll keep you covered like a cozy blanket with our homeowners insurance policy. Call your local Madison Mutual agent today to make sure your coverage is up-to-date!

fire safety tips

7 Fire Safety Tips to Keep You Safe During the Cold Months

As the cold weather creeps upon us, many homeowners and renters will begin turning on their furnaces or fireplaces to keep warm. Before the winter arrives, however, we need to take a step back and think about fire safety. Each year, approximately 3,400 people’s lives are taken in home fires or by burn injuries. Unfortunately, 8 out of 10 fire-related deaths occur at home.

Fires can be largely preventable, and Madison Mutual is here to help keep you safe. Here are 7 of our best tips to help you prevent fires in your home:

Watch What You’re Cooking – Did you know that cooking, especially stove-top cooking, is the leading cause of home fires across the nation? These accidents are preventable and mostly occur because someone is distracted. When you’re cooking, give the task your undivided attention! If you do happen to leave the kitchen for some reason, don’t leave the stove on. Turn off the burner before you leave the room instead!

Give Heaters Some Space – Space heaters are a leading concern in the winter months since sheets and window curtains can come in contact with a unit in use and ignite. Give your space heater some, well, space! Make sure that the unit has 3 feet of clear space all around it in all directions, and keep it away from draperies, bedspreads, furniture, other people, and pets.

Get Your Furnace and Fireplace Inspected – Before the winter arrives, be sure to get your furnace inspected and serviced by a professional. This will not only help prevent fires but will also keep you warm throughout the cold months. Have a fireplace? Make sure to get it serviced and cleaned annually as well.

Check Your Electrical Cords – Cords that are frayed or cracked can pose as a danger to your home. They can easily create sparks, and if those sparks reach flammable surfaces, you could have a fire on your hands. Remember to check all of your electrical cords periodically and replace those that are in good shape.

Install Working Smoke Detectors – This is one of the best defensive moves you can make in protecting yourself and your home from a fire. Put a smoke detector on every level of your home and outside of each bedroom. Remember to test and clean them every year and replace the batteries twice a year.

Be Careful With Candles – Candles are a mainstay in many households across the nation, but they can also be a common source of home fires. If you light a candle, be sure to remain in the room with it and extinguish it whenever you leave the room. You can also consider using battery-operated candles that look and function like a real candle.

Create a Solid Escape Plan – It’s always a smart idea to create, review, and practice an escape plan! Teach the members of your family to stay low to the ground and practice escaping from each room frequently. Additionally, keep a fire extinguisher nearby in an easily accessible location, and teach everyone in the family how to use it.

Be sure to protect your home as well. Home insurance can help protect you, your family, and your valuables in the event of a fire. If you’re in need of more information or a home insurance policy, call the best – Madison Mutual. You can reach us at 1-800-766-MMIC or learn more online at www.madisonmutual.com.

fall home

9 Quick Tips to Help You Prepare Your Home for Fall

As summer comes to a close, cooler temperatures, cascading leaves, and shorter days will serve as reminders that fall will soon be here! Even though fall has just arrived, it’s always a smart idea to begin preparing our homes for the change in season. After all, the weather can change quickly as the season progresses, and you won’t want to be caught unprepared.

Here are 9 quick tips to help you prepare your home for the cooler weather that fall brings with it!

Get Your Furnace Inspected – No one wants the furnace to short out when winter is in full force. Take the time to get your furnace inspected by a professional. Additionally, remember to stock up on a few extra air filters and change them every few months if you don’t do so already.

Start Winterizing – Go around your home and check for drafts around the edges of your windows and doors. An easy way to determine if you have any drafts is to hold a lit candle a few feet away from the doors and windows; if the flame flickers, then there’s probably a draft. You can tackle drafts by replacing seals and repairing caulking and weatherstripping around your windows and doorframes. Additionally, consider purchasing heavier or insulated drapery to keep the cold out.

Test Home Safety Devices – Fall is a great time to test your smoke detectors and carbon monoxide devices. Test them to ensure that they’re working properly. If they don’t respond, replace the batteries. If you’ve had these devices for at least 10 years, replace them with new ones.

Clean the Gutters – It isn’t a pleasant job, but cleaning the gutters is one of the best things you can do when fall comes around. Remove leaves, nests, and debris from your gutters, and check for leaks by running a pail of water down the gutters and into the downspout. This can help prevent ice dams during winter.

Get Your Chimney and Fireplace Cleaned and Inspected – If you have a wood fireplace and use it often, make sure to have your chimney and fireplace cleaned and inspected by a professional before winter sets in!

Turn Off Faucets and Store the Hoses – It’s time to put away your gardening gear! Drain your garden hoses and disconnect them from your outside spigots. Next, shut off the exterior faucets. Store your hoses in a dry place so any residual water won’t be able to freeze and damage the hoses.

Bring in the Plants – Do you keep plants or flowers in pots year-round? Now is the time to bring them inside! Keep them cozy indoors until next spring. If you have annuals in pots outside, empty, clean, dry, and store the pots for next spring.

Plant Bulbs – If you want to see some cute daffodils pop up and flourish in the spring, be sure to plant the bulbs in the fall! This also goes for other flowers like tulips, crocus, hyacinths, and snowdrops.

Close the Pool – Have a pool in the backyard? Before the temperatures dip, make an appointment for it to be serviced and close it for the season.

Of course, it’s always wise to check if your home insurance policy is updated, too! Remember to add calling your agent at Madison Mutual Insurance Company to the to-do list! Call us today at 1-800-766-MMIC or visit us online at www.madisonmutual.com.

prepare car for fall

8 Smart Tips to Help You Prepare Your Car for Colder Weather

Fall will officially be here on September 22! While there’s plenty of time to enjoy the crisp weather, vibrant colors of the fallen leaves, and pumpkin spice everything, winter will be here before you know it. During this time of the year, it’s especially important to pay close attention to your car and the many parts that make your vehicle function properly so that you can remain safe on the road.

Don’t fall behind on your car maintenance this year! Make sure that your car is ready for the upcoming cold weather by following these 8 car maintenance tips:

Check Your Tire Tread – Pay close attention to the tread on your tires now before winter arrives. Without proper tread depth, your car won’t be able to grip the road properly, which means that you will have a greater potential to hydroplane on wet roads. All you need is a penny! Insert Abe Lincoln’s head into the tread in a couple different spots on each tire. If you can see the entire top of his head, that means that your tread is less than 1/16th of an inch deep, and your tires should be replaced.

Get the Radiator Flushed – Over time, the coolant in your radiator will begin to break down and corrode the inside of the radiator. This can lead to cooling problems and even repairs to the radiator. This fall, remember to change out your coolant in order to protect your radiator throughout the winter.

Replace Torn Wiper Blades – Nothing’s more frustrating than trying to drive in inclement weather only to have your windshield wipers smudge the wintery precipitation across your windshield. If your wiper blades are torn, cracked, or don’t properly clean your windshield, have them replaced! As a good rule of thumb, your blades should be replaced every 6 months. Don’t forget to make sure that your fluid level in the windshield washer reservoir is full, too!

Get Your Belts and Hoses Checked – Before the cold weather settles in, get your vehicle’s belts and hoses serviced. You will want to ensure that the belts are not worn down and that all the fittings are tight and not rusted, and your hoses shouldn’t have any holes in them.

Check Your Headlights – Before you know it, the days will grow even shorter, and you will find yourself driving home from work in the dark. It’s important to take care of your headlights during this time of the year! Take a look to see if you need to replace any headlight bulbs. It’s not only unsafe to drive without a headlight, but you can also get a ticket for doing so!

Check Your HVAC System – You might think you can handle driving without any ventilation, but it’s really unwise to do so. Check your heating, ventilating, and air condition (HVAC) system to see that it is properly functioning. Your heating and cooling is important for not only your personal comfort during the changing seasons, but also for safety reasons such as defrosting your vehicle.

Get Your Brakes Checked – During this time of the year, consider having your brakes and braking system checked. This includes your brake linings, drums, and rotors as well. Your brakes are absolutely paramount to your safety, especially in snow and on ice-covered roads, so make sure that they are in solid working condition before the bad weather comes!

Keep an Eye on Your Battery – Batteries very rarely give off warning signs that they will soon fail, so take a peek to make sure that the battery’s connections are tight, clean, and corrosion-free. Remember, cold weather is especially hard on batteries, so take good care of it now before winter arrives. If your battery is more than three years old, consider replacing it.

Make sure that your car is properly protected with an auto insurance policy from Madison Mutual Insurance Company! Call your agent to get your policy updated or visit us at www.madisonmutual.com to learn more about how we can serve you.

factors that could affect auto insurance

5 Factors That Could Impact Your Auto Insurance Rates

Are you in the hunt for a solid auto insurance policy that will protect you and your car while saving you money? While there’s no one-size-fits-all solution, your auto insurance rates can vary depending on a few factors. Here are 5 factors that can impact your auto insurance costs:

Your Driving History – Have you been involved in a handful of accidents or fender-benders? Have you been issued a glovebox-full of speeding tickets? If this is the case, you might need to pay higher auto insurance rates. Conversely, if you are a safe driver and have very few incidents of accidents or tickets, you may possibly lower your rates!

Your Deductible and Discounts – Sometimes, a higher deductible can mean a lower premium. If you want to save money, choose the highest deductible that you feel comfortable with. Just keep in mind that you will need to pay the amount of your deductible out-of-pocket in the event of a covered loss. Don’t forget to ask about discounts, too! You might be able to take advantage of discounts such as a safe driver discount or good student discount.

Where You Live – Rates can vary from state to state and even from city to city. If you live in a metropolitan area, which tends to have more traffic, you might pay higher rates. Live in a rural area? You might be able to enjoy lower rates.

Your Vehicle and How Often You Drive It – If you have a longer commute, you might find yourself with more elevated auto insurance rates. That’s because the longer you spend on the road, the higher the chances are that something could happen. Also, if you drive a vehicle that has strong safety ratings, your rates could go down. Conversely, if you have a car that doesn’t have the best safety track record or that has a higher likelihood of being stolen, you could see your rates go up.

Your Age, Marital Status, and Sex – Statistically speaking, married drivers tend to have fewer accidents than single drivers, which can ultimately mean lower premiums for married drivers. Younger drivers tend to pay more for their auto insurance since they are inexperienced; typically, the rates will be lowered a little once a driver turns 25. In addition, female drivers tend to experience fewer accidents, so they might receive lower auto insurance rates than their male counterparts.

Have any questions about these 5 rating factors? Want to get a great auto insurance policy that will cover and protect you and your car? Call Madison Mutual Insurance Company today at 1-800-766-MMIC or visit us online at www.madisonmutual.com!

renters insurance policy

Should You Get Renters Insurance? 5 Reasons You Should Definitely Consider It

Picture this: you’re coming home from work, looking forward to propping up your feet and relaxing in your apartment, when you’re greeted by the flashing lights of a police car and fire truck beside your apartment. Perhaps a fire broke out unexpectedly and ravaged a good portion of your belongings while you were away at work. Maybe a thief snuck in and made off with some of your most precious belongings. As we all know, anything can happen, so it’s best to be prepared for anything. In this case, being prepared would involve being covered with renters insurance.

According to a 2014 Insurance Information Institute poll conducted by ORC International, 95% of homeowners have a homeowner’s insurance policy, but only a staggering 37% of renters are protected with renters insurance policies. Some renters fail to see the importance of a renters insurance policy while others simply don’t realize that their landlord’s property insurance policy only covers losses to the building itself and not any personal property.

Stay informed and protect yourself – here are 5 big reasons why you should seriously consider getting renters insurance:

Your Personal Property Will Be Protected – As we mentioned earlier, your landlord probably has some form of insurance policy on the building itself, but it won’t cover your personal belongings in case they are lost, damaged, or stolen. Having a renters insurance policy in place can protect your personal property against a long list of perils, including damage caused by vehicles, explosions, falling objects, fire, lightning, smoke, theft, vandalism, windstorms, hail, and more. Be sure to talk to a qualified agent about renters insurance to determine what the policy will cover.

It Provides Liability Coverage – Let’s say that a visitor of yours is injured in your home somehow. The injured party could take the issue to court. With a renters insurance policy in place, you will be protected should any accidents occur within your apartment. It can pay any court judgments and legal expenses up to the policy limit as well.

Your Landlord Might Require It – More and more, landlords are beginning to require their tenants to purchase their own renters insurance policies and will also want to see proof. The idea is that you, the tenant, will be covered in the event of an accident or a disaster.

You Can Rest Easier When You Travel – Whenever you take a vacation, you can rest even more soundly knowing that your renters insurance policy will shield you in case something happens to your personal belongings while you’re out of town, including theft and other covered losses. Be sure to ask your insurance agent for details on what might constitute as other covered losses.

It May Cover Additional Living Expenses – Should a disaster occur such as a fire and your home becomes uninhabitable, your renters insurance policy may cover additional living expenses. These expenses may include the cost of living in a temporary location, food, and more. Be sure to ask your agent about how long the policy may cover these expenses.

Renters insurance is always a good idea, and an additional discount is available when you bundle it with an auto policy. If you don’t have a policy but would like to obtain one, or if you simply want to update your insurance policy, reach out to your Madison Mutual Insurance Company agent and talk to him or her today! Call us at 1-800-766-MMIC or visit us online at www.madisonmutual.com to learn more!