Preventing Mail theft in Florida

Preventing Mail Theft

Preventing Mail theft in FloridaMail theft is an unfortunate reality in most of the country. Thieves drive around during the mid-day and night time looking for mail that has not yet been picked up. What are they looking for? Gift cards, credit card applications, and utility bills – pretty much anything that would allow them to steal your identity.

Take these steps to avoid being the victim of mail theft:

  1. Get a locking mailbox

This is one of the easiest steps you can take and also the most effective. While the cost of a locking mailbox varies (usually starting around $80) it can be enough of a deterrent to stop theft. If you live in a community with other neighbors, consider getting together with other neighbors and purchasing a community box. If a neighbor is handy, they can easily install the mailbox. One quick tip, be sure to check for postal service approved mailboxes. It usually requires some minor paperwork.

  1. Pick up mail frequently

Make it a habit to routinely pick up the mail as close to delivery time as possible. Most of us work throughout the day, so grab it on the way in from work. Do your best to not leave mail in the box until the next day.

  1. Avoid using the red flag

 If there is one “red flag” (pun) for thieves, it is using your outgoing mailbox’s red flag. Simply waiting until the time the mailman is coming or even better, bringing your outgoing mail to work (with your postage paid already of course). This will ensure a secured delivery.

  1. Have a neighbor help you out from time-to-time

Do you know you have something valuable coming in the mail? Perhaps it is your birthday or around the holidays. Ask a neighbor to pick up your mail for you. Since the USPS is now delivering for Amazon on Sundays, if you have a small package coming, be sure to check your mailbox on Sundays for special deliveries.

Do you have other ideas about how mail theft could be avoided? Feel free to share your thoughts on our Facebook page!

Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!

Liability Insurance in Boynton Beach, FL

Parental Liability

Liability Insurance in Boynton Beach, FLOur children quickly become the most important parts of our lives and our dreams suddenly become the dreams of our children. As we look at our own childhoods, we see the seemingly endless shenanigans we caused and while most of these things were harmless, they could be looked at now as liability concerns or outright against the law. In nearly all states, parents are solely responsible for the actions of their children. Not only property damages, but also personal injury that may be caused.

As parents it is important to ensure that your children understand the implications of their actions at an early age. While we can easily make the excuse that they’re just being children, we need to understand that as the adults we ensure their safety and the safety of others around them. Here are some simple examples where our children’s judgment can cause you a liability insurance claim.

  1. Swimming pools: The child who grows up with the swimming pool at their home becomes awfully popular in the summer time! Those hot summer days have other children begging to come over and take a dip! Ensuring that your child understands that other children are only allowed to come over when there is a parent there to supervise could save you not only from a tragic loss of life, but also a massive liability insurance claim. Consider a lock on your pool cover for those times when parents are not available.
  2. Matches, fireworks and other flammable materials: Children just seem to be drawn by the awe of fire. As a country we celebrate our independence with fireworks across the country. When children are allowed to have fireworks, there is a possibility they may use them in an unsafe manner when adults are not present. This could cause fires in neighborhoods, trees and fields – or even worse, personal injury. Be sure to keep your fireworks and other fire materials in a safe spot away from the curious eyes of your children.
  3. Swing sets: Your home may have the Taj Mahal of all swing sets. It is the talk of the neighborhood kids! If your swing set or playground is open to the neighborhood, be sure to routinely inspect it. Loose boards, bolts or brackets could easily cause a child to become injured while playing on your property, even if without permission you can be held liable.
  4. Firearms: Children grow up watching firearms used on television or in videogames. Even cartoons, new and old, represent firearms being used in an innocent and humorous fashion. Being sure your firearms are kept locked away with both a safe and a trigger lock is of upmost importance. Your child may want to show off the firearm to friends or worse, bring it to school to show there.

We hope your child is exempt from any of the above examples and enjoys the fun, careless childhood most of us were able to enjoy. It is important to understand that the actions of your child fall under your liability. Having you properly insured for these unforeseen, seemingly innocent actions is our job to recommend.

If you have questions about your liability insurance, call the insurance agents at Leslie Kay’s Insurance. Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!

Engagement ring coverage in Florida

Engagement Ring Coverage

Engagement ring coverage in FloridaGetting engaged is an exciting time and brings happiness to not only the couple, but their family and friends. While the new couples should cherish this special moment, they should also find an insurance policy to protect the engagement ring immediately.

Anything can happen to an engagement ring, whether it’s stolen, damaged or accidentally falls down a drain. While memories of the ring itself cannot be replaced, a good insurance policy can provide financial protection to an unfortunate situation.

Like other valuables coverage, insurance for your engagement ring can simply be added to your home or renters insurance policy on something called a “floater.” It’s a simple insurance policy extension. A good policy will cover everything from theft and damage. The cost of coverage varies, typically $1 – $2 per $100 in value for a yearly policy. So, for a $5,000 ring, you’d expect to pay $50-$100. By calling Leslie Kay’s Insurance, we will ensure we find the best coverage for your ring.  We can also help answer any questions regarding ‘what if’ situations.

Before seeking out insurance, you will need to provide an appraisal and receipt for your ring. This is typically provided by reputable jewelry dealers at the time of purchase. If your engagement ring hasn’t been appraised, you can meet with a gemologist to receive an official appraisal for a small fee. Once you have your appraisal, store it in a safe or vault.

An additional thing to consider for all newlywed couples, if the bride and groom were living in separate homes before the wedding, make sure the ring insurance is transferred to the right home address. Often times, individuals have the ring insured at the bride’s previous address on a different policy and forget to transfer it to the new living address and insurance policy.

If you are recently engaged or planning an engagement, call the insurance agents at Leslie Kay’s Insurance. We can help you the best option to protect your investment.

Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!