How to Keep Your Home Warm This Winter

We all want our house to be comfortable at any temperature, and when it is a cold day we want to come home to a warm house. If you turn on the heater and you notice your home is still cold, here are some tips to help keep heat from escaping and allowing cold air in.

Seal Your Doors and Windows
A lot of times, cold air enters your home through cracks and small openings around your doors and windows. A simple solution is to buy weather strips that can be placed around your doors and windows to keep the warm air in and the cold air out.

Check Outlets
Sometimes your electrical outlets may be letting in cold air. For these situations, you can purchase foam outlet covers. These foam outlets act as insulation and are an easy fix for this issue.

Reverse Your Ceiling Fans
When the temperature starts to drop, reverse your fan’s rotation to pull the cold air up and mix with the warm air.

Add More Insulation
Sometimes adding a little more insulation to your home can help keep the warm air in. It may cost you some money upfront, but, in the long run, your heater will not have to work as hard.

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Having a warm home in winter is nice, but protecting your house and possessions can put your mind at ease all year long. If you are interested in receiving a quote or would like to discuss your home insurance options, be sure to contact Johl & Company today!

Getting Your Car Ready for the Winter

As the weather gets colder and it begins snowing, you need to make sure your car can handle those conditions. For everyone who has to commute in this nasty weather, here are some tips to help you keep you and your car safe.

Get an Oil Change
During the cold months, oil can thicken and not do a good job of lubricating the engine. Be sure you check to see what kind of oil is right for your vehicle during the winter months.

Check Your Battery
The last thing you want is to be stranded somewhere during a snowstorm because of a dead battery. Visit your local repair shop and have them test your battery and make sure it can make it through the winter. If you need to replace it, now is the best time to.

Test Your Windshield Wipers and Fluid
Be sure that your windshield wipers are working well and that you have enough washer fluid in your car. The snow and salt on the roads that get on your windshield can make for a difficult drive. Visibility is crucial whenever you are driving, and if you are not able to clearly see it can put you and other drivers in harm. Besides your windshield wipers, be sure to make sure your defroster is working as well.

Check Tire Pressure
In order to have proper traction on the road, your tires need to be inflated. This is even more important when there is snow and ice on the road that makes it tougher for your car to gain traction. It is important to check your tire pressure to make sure your tires have enough air in them.

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Snow Tires
Many people use all-season tires, but, if you are in an area that gets hit with a lot of snow or your drive involves a lot of winding and hilly roads, snow tires may be a good investment.

Car Insurance
Does your current coverage include things such as roadside assistance? If not, you may want to explore your options and talk to an insurance agent.

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If you would like to review your car insurance policy or receive a quote, feel free to contact Johl & Company today!

Safety Tips for Your Thanksgiving Holiday

Thanksgiving is just about here, and, as you finalize your plans and get ready for some time with family and friends, you should also remember some simple safety tips for your Thanksgiving get-together.

Are you traveling?
If you are traveling this Thanksgiving, here are some safety tips for the road.

1. Make sure you take periodic breaks if you are driving a long distance. Stop at local rest areas and stretch your legs for a couple of minutes.

2. Keep your eye on the gas tank. It can be easy to not pay attention to how much gas your car has when you are traveling far, but, if you are going to be on the highway, make sure you pull over to get gas when the tank gets low. Rest areas can be miles and miles apart from each other and you do not want to risk being stranded.

3. If you are driving with multiple people, switch drivers every once in a while. Give yourself a chance to rest if you have been driving for a couple of hours.

4. Be extra cautious on the road. With any holiday you are going to have a lot of people driving. With the extra traffic, it is important to remember to be aware.

5. Bring a backup GPS or directions. Using your phone’s GPS is fine, but make sure you have an extra GPS system or written directions with you. If your main GPS device dies or fails to work it is important that you have another way of navigating.

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If you are traveling and your home will be empty for a couple days, here are some ways to keep your house protected.

Are you Hosting?
If this is the case, here are some tips for keeping you, your guests, and your home safe.

1. Check your food regularly. It can be easy to get sidetracked by other things going on, but it is important to keep an eye on the food. Be sure to set timers on anything that is cooking.

2. Keep any kids or animals out of the cooking area. With the food being moved around and all the hot surfaces (like the oven and stove), it can be easy for a child or pet to cause an accident and/or hurt themselves.

3. Make sure everything is off when you are done. Cooking can be tough, especially for a lot of people, but, before you go to bed, make sure all your appliances are turned off or unplugged.

We hope everyone has a great Thanksgiving!

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If you are looking for a new insurance policy, maybe for your home or vehicle, or would just like to get a quote, be sure to contact Johl & Company today!

I Have Life Insurance Through an Employer, Do I Need Another Policy?

If an employer offers life insurance, many employees will sign up and think they are taken care of. While group life insurance through your job has its benefits, there are a few reasons that you should still have an individual life insurance policy.

The benefits of having your own life insurance policy include:

If you change jobs, your individual life insurance policy is still covering you. In the event that you lose your job, change jobs, or, in some cases, retire, your employer’s insurance policy will not continue to cover you.

When your insurance is provided by the employer, they may change it or even get rid of it all together.

A personal insurance policy is specific to your life and what you need to care for your family. Group life insurance tends to be limited in what you can cover. This means that your policy may not provide your family with the protection they need.

By having your own life insurance policy, you can be sure that you are able to provide for your family if something happens. An employer that offers group life insurance can still be beneficial to you, but making sure you have coverage regardless of your employment status is important and the best way to make sure your family is taken care of.

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Do you have a life insurance policy?

If you are only covered by a group life insurance policy or do not have any kind of life insurance, be sure to contact Johl & Company in Westwood, NJ to discuss your options or request a quote online.

How to Prevent Spreading Germs in the Workplace

As the weather gets colder, you will start noticing your co-workers coughing and sneezing. It is important for managers and bosses to remind people that, if you are sick, you should stay home. Inevitably, there will be people who still show up to work sick, so it is important to know what you can do to keep a clean working area and not catch their sickness.

For small business owners, these tips are even more important. Not having your staff working at 100% can hurt the productivity of your business.

So what can be done to help keep your office and employees healthy this year?

Keep a Clean Work Area
Encourage employees to use disinfectant wipes at their office each day to kill any germs. Be sure they are wiping down their keyboard, computer mouse and anything else they may use on a daily basis.

Allow a Work-From-Home Option
If someone at work is not feeling well, they may still show up at work that day just because they need to get things done. If your company allows individuals to work from home on these kinds of days, employees will be more willing to stay home when they are sick.

Onsite Flu Vaccine
If possible, your company should set up a flu vaccine clinic at work. This is easier for employees since they do not have to go out on their own time; they can just get the flu shot right at work.

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Hand out information
You can start handing out information to everyone around the office on what to do when they are sick. The more people that are informed, the better the chances that they will utilize the tips you share.

Are you a small business owner in the Westwood, NJ area?

Johl & Company offers business insurance and coverage on a number of things including business auto, liability, workman’s compensation, and group health. Feel free to contact us or request a quote.