If you smell gas, get everyone out. Use your neighbor's phone to call a qualified repair person or the gas company immediately. If possible, shut off the gas main from outside the home.

Caution: Never attempt to repair gas lines yourself.

• Clean or change furnace filters regularly. Replace disposable filters. Wash, brush or vacuum permanent filters.
• Check the exhaust vent from the furnace. Clear obstructions such as leaves or animal nests from the vent pipe. Keep roof exhaust vents clear of snow.
• Inspect the blower motor with the power off. Vacuum any accumulated dirt. If the owner's manual calls for it, oil the motor. Inspect the V-belt and pulleys for wear. Tighten the belt if it moves more than an inch when you push it.
• Check air intake. Most mobile home furnaces draw combustion air from beneath the home. To allow air to pass freely beneath the home, the skirting should have four to six vents.
• Replace carpeting in the furnace compartment with sheet metal or other fireproof material. Newer home furnaces have wire mesh in front of the stack to prevent storage on top of the furnace. If this mesh is missing, replace it.
• Be sure the thermostat on your furnace is in good working condition by keeping it clean. Have it checked periodically by a heating professional.
• Clean out debris in the furnace area. Never use your furnace closet for storage or drying clothes.
• Check the flue assembly (when cool) for alignment and rigidity .The flue should run in a straight line from the top of the furnace through the ceiling. Be sure the flue is attached to the furnace collar. Check for loose wiring near the flue. If you find any, move it and secure it well away from the flue pipe.
• Keep the flue pipe free of excessive deposits of carbon. Have your furnace maintenance person check and clean the flue pipe, fuel lines, safety controls and burner before each heating season.

Are we in the midst of an "arctic hurricane" like the media describes? I'm not so sure. Even at 0 degrees with a -30 wind chill, it seems like it always gets this cold during the winter in Michigan. Nonetheless each year we see the same dilemmas that happen when the weather gets chilly. Surprisingly, one of the most common problems that homeowners face this time of year is frozen water pipes. If you know of anyone that is in this predicament right now like I do, be sure to pass along this information to safely get their pipes thawed:

What should you do if a water pipe freezes?
You should make sure it never happens again! When the water freezes, it tries to expand inside the pipe. It pushes against the sides of the pipe, as well as any nearby valves, seams and faucets. The freezing action of the water is more than capable of rupturing any pipe.

Unfortunately, a water pipe may freeze even if you have taken precautions. Whatever the cause, it's important that you thaw out your pipe for two reasons:

1. You almost certainly need the water.
2. You should be at home when the pipe thaws, just in case the pipe and/or joint is ruptured.

Bear in mind that a frozen pipe doesn't leak—the water is ice. You'll discover you have a leak only after the ice melts. If you're not home, a ruptured pipe can cause a great deal of damage.

Here are some methods to thaw out frozen pipes:
CAUTION!: Before you try any of these methods, first open the faucet the frozen pipe supplies. The steam you create while heating the pipe can burst the pipe if it doesn't have an escape.

Method #1: Use electric heat tape on the pipe, and wait for it to thaw out. This is a good method to use because it slowly thaws the pipe, which means it reduces wear and tear on the pipe itself.

CAUTION!: Remember to use only heat tape certified by a nationally recognized testing laboratory for use with mobile homes. Be careful never to wrap the heat tape back over itself. This could cause the heat tape to overheat and start a fire.

Method #2: Wrap the pipe with several layers of cloth or toweling and pour hot water over the cloth / toweling. Repeat several times until the pipe is unfrozen.

Method #3: Direct a heat lamp on the pipe itself. Place the lamp at least a foot away from the pipe. Cover adjacent areas with a layer of aluminum foil so the heat does not scorch these materials. Make sure the heat lamp is on dry ground. Even better, plug it into a ground Fault Circuit Interrupter (GFCI) outlet.

CAUTION!: Do not use any direct heating method if the frozen pipe is next to a gas pipe! Call a professional for help.

Method #4: Hold a hand-operated hair dryer to the pipe, and slowly move up and down the length of the frozen section. Make sure you are standing on dry ground. Because you are working this close to water, plug the dryer into a GFCI protected outlet.

You will know the pipe is thawed out when water starts to trickle out of the open faucet. Let the water run for a while to completely clear the pipe. Then, close the faucet and check for leaks.

CAUTION!: Do not use a propane torch to thaw out frozen pipes. Do not use a propane torch even if it has a fire spreader attachment. This is not only a fire hazard, bit it's also a quick way to destroy your plastic plumbing pipes.
​
We want you to be safe in your home and prevention is the key.

I love electricity. Without it, we wouldn't have Electric Avenue, The Electric Company, the Electric Slide, or Electric Light Orchestra. But as awesome as electricity is, it also causes approximately 53,600 home fires every year.

That statistic comes from the Electrical Safety Foundation (ESFi), sponsor of Electrical Safety Month and author of some great educational materials about the electrical hazards in your home. As an owner of a home built in 1947, their PDF, Know the Dangers in Your Older Home, caught my eye. Since the U.S. Census bureau says that half of all homes in this country were built before 1973, others may be interested in this information as well.

Why is electrical safety important in older homes? Think of all of the things you plug in today that weren't around when your house was built: garage door openers, electric coffee makers, TVs, DVRs and computers, to name a few.

As awesome as electricity is, it also causes approximately 53,600 home fires every year.Here's a short checklist from ESFi to help you identify potential problems in your home:

Lightbulbs

• Are they the right wattage for the fixtures? A bulb that has more wattage than recommended can overheat.

Cords and Extension Cords

• Check the cords for lamps and appliances. Are they out of walkways? Are they frayed, damaged or cracked? Cords that are walked on or damaged can cause fires.
• Are extension cords only used temporarily? Permanent house wiring is much safer than an extension cord. Install outlets where they are needed.

Outlets and Switches

• Do all the outlets and switches in your house work? If they don't, there may be bad wiring.
• Are any unusually warm or make weird noises? That could be an indicator of faulty wiring.
• Are the cover plates in good condition? Replace any that aren't.

Kitchen and Bathroom

• Are all appliances plugged into ground fault circuit interrupter (GFCI) outlets? Do your GFCI outlets work properly? If you don't have properly functioning GFCI outlets, call a licensed electrician.
• Do you keep appliances plugged in when they don't need to be (like toasters, hair dryers, curling irons, etc.). Unplug them; they could be a fire hazard if they contact water.
• Have you ever received a shock (but not a static electricity shock) from your large appliances? Do not touch appliance again until a repairman checks it.

Please don't become a statistic! Check your home for electrical safety today.
Information from the Electrical Safety Foundation International website at www.electrical-safety.org.

If your possessions are stolen or destroyed, your insurance company will ask you to provide a record of them. Learn the benefits of having a personal property inventory list below.

Details will be important at claim time
Do you know the brand name and serial number of your stereo? Would you recall off the top of your head when and how much you paid for your digital camera? Without a list in front of you for reference, the details of your valuables may be forgotten – which creates more frustration in an already stressful time, and can cost you money in the long run.

That's why it's important to have a personal property inventory created ahead of time – before an unfortunate incident.

What is a personal property inventory?
​A personal property inventory is a complete list of all your household goods and personal belongings. A complete inventory includes the following information about each item on your inventory list:

How does an inventory help you?
No one is fully prepared for a loss, but you can take steps to reduce the stress in the aftermath. A personal property inventory in place before a claim ensures that your claim is filed promptly and completely, which means that you'll get it settled quickly and accurately, and get your life back to normal. 

You can also use an inventory to determine if you have adequate coverage for your possessions. Many people find out after a loss that they were not sufficiently covered, and should have purchased higher coverage amounts or replacement cost coverage. A good rule of thumb is to add up how much it would cost to replace your belongings, and then compare it to your policy's personal property limit. This is an indicator of whether or not you need to purchase additional coverage.

It's also a good idea to check the claim settlement methods on your policy. If you've purchased replacement cost coverage, your settlement allows you to buy new items to replace the damaged or stolen ones. If you have actual cash value coverage, you receive what your items are worth at the time of the loss – taking into account depreciation.

More helpful tips
Be complete with your inventory. An effective way to do an inventory is to split the area of your house and take one room at a time. Start outside and take views of each side of your house, including the landscaping. Make sure to include all items in a storage shed or garage, like children's bikes and sporting goods.

Move inside the home and cover one room at a time. You might want to start with artwork or wall hangings and then move onto the floor. Remember to include all high-valued items like antiques, collectibles, silverware and jewelry.

Electronics are a key part of any personal property inventory. TVs, stereos and personal computers should be included, as well as clothing, CDs, tapes, furniture and items inside china cabinets and storage bins.
As you videotape each item, it's important that you verbally state when each item was purchased, its value, any special features and the model and serial number. If you choose to photograph these items instead of videotaping them, write all pertinent information on the backs of the pictures.

When the inventory is complete
Once you've completed the inventory, copy everything including paper lists, videotapes, receipts, computer printouts, appraisals and photos. Store one set in a secure place in your home, and store the other off the premises in a safe deposit box or with a friend or relative.

Update your inventory every four to six months to ensure that the information is accurate and reflects all items in the home. Save all the receipts for newly purchased items, and make sure to update your inventory as soon as you make a major purchase and delete the items you no longer have.

Click here for a free downloadable Home Inventory Checklist

https://www.foremost.com/learning-center/personal-property-inventory.asp

The holidays are an exciting time of year for all members of the household, but especially for your four-footed friends! It can be a challenge to keep the enthusiasm to a minimum with an energized pup or stubborn kitten, and once those decorations go up and the food comes out, there's really no telling what they'll get their little paws into.

I grew up with a little Cockapoo dog named Jake and he LOVED to eat. Anything we dropped on the ground during dinner (ahem, broccoli, beans, peas…) was quickly vacuumed up by him. In hindsight, leaving our homemade fudge under the Christmas tree was definitely a mistake. Who knew a canine could sniff that out through the wrapping paper?! With an entire batch of chocolate fudge gone and a mess on the sidewalk from the poor pooch, we learned our lesson.

While this season can bring their joy, if you're not careful about pet-proofing your home, poor Fido (or in my case, Jake) could be set up for despair. Check out how these six unassuming seasonal items could put your pet in danger.

Christmas Tree
Christmas trees are a holiday staple, and while they certainly add to the festivities, they can be pretty distracting for your pets. The following items should be kept out of reach from your curious friends.

• If you own a cat, forget about the tinsel. This shiny decoration can cause severe damage to their intestinal tract and can prove deadly if ingested.
• Ornaments can be both a choking hazard and, if broken, the sharp pieces can cut your pets paws or mouth. Place fragile ornaments out of reach and let the softer ornaments made out of plastic or fabric rule the bottom branches.
• The tree itself can be a safety hazard for your pets if they climb up on the branches. Additionally, live pine needles can puncture your pet's intenstines if ingested. Place your tree in a corner and firmly anchor it to the wall or ceiling to prevent it from toppling over.
• Any ribbons or strings on wrapped presents can lead to choking or strangulation for a curious pet. While the additional decorations are attractive, we suggest nixing them to avoid the risk.

Food
One of the best parts about the holidays is the food! All those tasty desserts and platters can make anyone's mouth water. But remember my story before? Mr. Fluffy might love that rich chocolate for the first few minutes, but consuming even a little bit can turn that festive evening into a nightmare.

• Chocolate is an essential during the holidays but is toxic to cats and dogs. All chocolate, fudge and candy contain dangerous components called xanthines, which cause nervous system damage and heart muscle stimulation. Pay extra attention when these treats are out during a get-together, and consider storing them in a drawer or cupboard when you're not enjoying them.
• Turkey and turkey skin, even in small amounts, can cause a life-threatening condition in pets known as pancreatitis which, in the long run, can cause severe organ and brain damage.
• Bones from any fish, meat or poultry, big or small, can cause problems if splintered during consumption. Keep to the regular rawhides and hardened, sterilized bones for those yummy treats. For more information, check out what Healthy Pets has to say.

It's 40 degrees outside, the roads are dry, and you've got a couple hours before the big game starts on TV. How about a quick ride? If you've prepped your motorcycle for this kind of opportunity, you're ready to roll. Check out these suggestions for being prepared.

Weatherproofing
Actually it's as much about keeping the elements at bay as it is being mechanically prepared. Wind is not your friend in cold weather. Protection comes in the form of a large windscreen for as much deflection as possible. You can have all the latest in heated clothing and helmet but it's best to keep that frigid air from hitting your core body mass in the first place. Heated grips are a good idea, too, along with a fairing to keep the wind off your legs. You can even find heated foot pegs to help make sure your boots won't slip at a crucial moment.

Mechanical Prep
First make sure your tires are in tip-top shape. You need great tread for cold weather, when traction can be even more important than in warmer months. Check for proper inflation. Cold temperatures can affect pressure levels just as heat affects tire pressure in summer. Also look for any cracks in the rubber.
Cold temperatures can kill batteries quickly. If yours has seen more years of service than you can remember, it could be vulnerable during winter riding. Think about getting a new one. At the very least, check the battery's fluid level and top it off, if necessary. Double-check all battery and ignition connections to avoid corrosion from extra moisture in winter. Change your coolant if you have a water-cooled bike. And bump up its cold weather rating!

Riding Style
Winter is a time to ride more conservatively than usual. You may find more hazards than you're used to seeing in the warmer months. You can experience reduced visibility and cars can have more trouble seeing you, too and stopping in time to prevent a crash. Be extra careful if you run across salt, sand or other road treatments that can make it difficult for your tires to maintain traction. And, if it starts to snow or you encounter icy pavement, do the smart thing. Head for home and wait for a warmer day.

Whether you are new to skiing and snowboarding or you practically grew up on the slopes, you probably know that understanding the proper techniques and safety criteria are imperative when anticipating a trip through the cold. Take notice of these reminders so you can fully appreciate your journey through the snow!

Adjust the Equipment to Your Body
Whether you own equipment or plan on renting, making sure that your ski or snowboard bindings are adjusted correctly to your feet to avoid pain a few hours in.

Buy Proper Skiwear
Layer, layer, layer! It may not feel that cold out now, but once you've taken a few rounds down the slopes, the temperature seems to drop. Dressing in water and wind-resistant clothing will make for a better day out, we promise. Try gathering these items before heading out:

• High collared shirts/sweaters
• Headband/Hat
• Gloves/Mittens (mittens may be a better option if you are more prone to cold hands)
• Helmet
• Eye Protection (skiing/snowboarding is more fun when you can see)

Get Proper Instruction
While the kiddy hill can be fun for a while, taking a lesson from a qualified instructor on proper techniques will dramatically improve your skill and give you the understanding you need to tackle the bigger slopes. Even if you're already a pro, you can probably pick up some fun tricks from your instructor to try out and recap the knowledge that may have been hibernating for the last few years.

Wear Sun Protection
It is a common misconception that one cannot get sunburnt while it is cold. However, UV rays can be just as damaging on the slopes as on the beach. Make sure you apply sunscreen every 2-3 hours, and check out this article written by the Skin Cancer Foundation if you would like to read more about preventing sun damage.

Other Quick Tips

• Stretch your muscles
• Drink plenty of water
• Know your limits
• Be aware of weather conditions
• Prearrange a rendezvous location with your buddies in case of separation

No matter your skill level, we hope that you have an enjoyable and safe ride on the slopes this winter

Is it your turn to host the holiday gathering? Maybe you just look forward to the joy of the season, with all of the sparkling decorations and twinkling lights. Regardless, with a little imagination, you can make your home festive and welcoming. Here are some creative, affordable ways you can make your home look magical without breaking the bank!

• Candles. This is a classic, small touch that can will stand out the most. Adding some candlesticks to your dining table with some evergreen clippings will look stunning and elegant. Another idea is creating a snowy candlelight look with tea light candles – and you only need a few items! Grab a mason jar and put Epsom salt at the bottom, and throw some craft glitter in there as well. Then, place the candles on top. You can make a dozen of these and place them around your home! As an added bonus – get some candles with a holiday scent you like.
• Candy canes. Nothing reminds people of the holidays more than candy canes! Placing these around your home will make your guests feel warm and welcome. An option is to put them in mason jars on your coffee table or a mantel, or you can put them on your holiday tree!
• DIY Paper hurricanes. Sprucing up your candle holders with these will add some charm to your home. All you need is tissue paper, a glass cylinder that holds the candle and tape. By wrapping the tissue paper around the glass and making the paper thicker at the bottom as you go up, it will appear that there are multiple tints being used, but really you only used one color. Secure it with tape, and when you light your candle it will give off that beautiful holiday glow!
• Ornament centerpieces. This decoration is simple and affordable. Get a glass candle holder, and a bunch of different colored ornaments (they can be extra ones you didn't use on your tree). Place the ornaments in the candle holder, and then you're done! Another way to incorporate ornaments in your home is to lay evergreen on your tables or mantel, and place the ornaments on top. It will give off that "cozy" feeling in your home that everyone will love.
• Decorative throw pillows. If you have a sewing machine and some fabric, you're already ahead of the game! If you don't want to go out and buy a pillow, look around your home and find a pillow you want to transform. If you don't have holiday fabric on hand, you can usually get it at a low price at your local fabric store. Get the correct measurements, cut the fabric and get to sewing! If you don't want the fabric to be permanently on there, sew some buttons at the end so when January comes along, you can take it off and store it for next year!
• Wreath decorations. Adding a wreath to your door is one idea to bring the holiday cheer to your home. You buy a wreath and decorate it with your favorite ornaments, or you can go DIY! Believe it or not, it's extremely easy to make your own wreath, and – you don't have to use evergreen. You can use wood, ribbons, pine cones, a hula hoop, or a repurposed round mirror. Really, your options are endless!
• Flowers from your garden. Flowers are always beautiful around the holidays, and when it's from your garden – it's free! Place them around your home where you see fit, and try to use red and white flowers to match your other holiday decor.

We hope these ideas help create a beautiful, cheerful environment in your home. Good luck and happy holidays!

Helpful steps to storing your RV during the cold months
As you get ready to park your RV for the winter after an enjoyable season on the road keep in mind these important storage steps:

• Wash and wax your vehicle to prevent dust or dirt buildup.
• Disconnect the battery. If the RV is stored in a harsh climate take the battery out and store it in a more moderate, climate-controlled area.
• Use pads to park your rig with the tires off the ground to prevent soft spots.
• Turn off pilot lights and turn off the propane at the source.
• Drain all water from your rig including hot and fresh water tanks, and all hot and cold lines.
• Turn the refrigerator off, defrost and wipe it dry. Leave the door propped open a little bit so air can circulate.
• Seal all outside openings to prevent critters from taking up residence inside.
• Use a breathable cover to avoid condensation forming between the cover and RV, or park it inside a garage or facility. Consult an RV dealer on where to purchase a cover.

A few hours of preparation can save you a huge amount of hassle in the long run – and get you back on the road when the season changes and pleasant weather returns.

Need RV Insurance?
Make sure you have insurance coverage specialized for your RV. Check out our RV Insurance coverage options or get a quote.