Tips for Residential Electrical Safety

You rely on electricity to brighten your home, cook meals and to keep you warm; electricity allows you to live comfortably in your home, but it doesn’t come without risks. Studies have shown that there are over 30,000 electrical fires and electrical related injuries that occur each year, many of which may have been avoided. Home electrical safety is critical for the safety of your family and your home. To help you gain some knowledge about basic electrical safety tips, XL Brokerage Inc. has put together a few tips for the residents of Selden, NY.

Hot Outlets

A warm or hot outlet may mean there is a dangerous situation just waiting to happen. Outlets that are warm to the touch often means the electrical load on the circuit is too high, the wiring is loose or the wiring isn’t up to code and if the outlet feels hot, it typically means the wiring has already started melting. When inspecting outlets also be aware of a loose outlet or those that don’t hold plugs tightly. Be sure to switch out all two-pronged outlets with grounded three-pronged outlets and outlets that are located near water should have code-correct GFCI outlets. Contact an electrician as soon as possible to handle these changes for you.

Power Cords and Extension Cords

One of the riskiest things you can do is to use appliances or other types of electrical equipment that have exposed wiring in the power cords. If you notice that the protective coating on an electrical wire has been damaged or stripped away, it should be replaced before using it. Extension cords make life easier, especially during the holidays when you use more electrical decorations than usual, but extension cords pose a risk of injuries and may lead to a fire if they are overloaded. The best solution is to avoid using extension cords and consider contacting an electrician to install additional outlets in your home.

Water conducts electricity, so even a small exposure will lead to electrical injuries. Never use electrical equipment near water and always wipe up spills to avoid the risk of a plug getting wet. When it comes to electrical safety, one of the most important things to keep in mind is that small children are naturally curious, so always use tamper-resistant safety caps on electrical outlets and be sure to keep loose cords out of reach.

Residents of Selden, NY interested in learning more electrical safety tips or how to upgrade their home insurance should contact XL Brokerage Inc.

What is Usage Based Auto Insurance?

Do you sometimes feel like you’re paying too much for your auto insurance? If you don’t drive very often, you very well may be investing more in your premiums than necessary. Drivers in the Selden, NY area have the option to switch from traditional policies to a usage-based coverage system. What is usage-based auto insurance and how can a policy from XL Brokerage Inc. keep you covered?

What is Usage-Based Auto Insurance?

Also known as Pay As You Drive coverage, usage-based auto insurance takes into account the number of miles you drive when determining your premium options. Insurers look at these pieces of information when deciding the risk on your usage-based contract.

  • The type of vehicle you drive.
  • How much time you spend driving.
  • How far you typically drive on each trip.
  • The average time each trip lasts.
  • Where you normally operate your vehicle.
  • Driving behaviors such as braking patterns, how long it takes for you to stop, average speed, etc.

There are 3 main ways your auto insurer can use to determine your final rates.

  • Tracking the odometer allows agents to calculate your usage, which is used to determine premiums.
  • GPS data from an installed tracker, cellphone, or specialized RF technology device reports miles and timing to the insurance agency.
  • Additional tracking information from the vehicle such as speed, time of day and place in which vehicle is used, and driver behaviors are compared against the historic riskiness of the roads you take to determine overall risk.

In order to take advantage of this potentially cost-saving option, drivers usually need to agree to have a device installed in their vehicle.

Usage-Based Auto Insurance for Your New York Lifestyle

If you don’t drive often or have a low daily mileage range, a usage-based auto insurance policy may be perfect for you. Contact XL Brokerage Inc. to find out if this coverage is right for your Selden, NY automobile.