Safety

In our modern homes, various appliances play crucial roles in enhancing comfort, convenience, and cleanliness. Many of these appliances rely on filters to maintain optimal performance and efficiency. Filters help remove impurities, contaminants, and debris from air, water, and other substances, ensuring that our appliances function effectively and our living spaces remain healthy and comfortable.
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If the hood of your car unexpectedly pops open while you're driving, it can be a dangerous situation and should be handled with caution. Here's what may happen and what you should do:
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Those in colder climates don't have to hibernate in the gym all winter to break a sweat. Instead, with the right gear and know-how, you can take your workouts outdoors for the ultimate mind-clearing energy boost. Here are some tips for braving – and actually enjoying – outdoor exercise in the snowy season.
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Let's face it... the days of soaking up the sun for that "healthy tan" are clearly over. Fears of skin cancer – namely melanoma – have overridden most peoples' desire for sun-kissed skin. But in the summer, when outdoor adventures like hiking, biking, and water sports beckon, many tend to spend a lot of time in the sun doing what they love.
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For nature lovers, many of the most memorable moments take place in the great outdoors, whether it's catching your first trout on a fly rod or summiting a peak. This is also where people often find the most solace, as time in nature can bring a sense of peace. Unless, of course, things go wrong.
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Little in life is as important as healthful, restful sleep, and lots of it. But little in life seems to evade American adults as pervasively. Insufficient sleep, health, lifestyle impacts nearly two-thirds of Americans. And, according to a recent study by the CDC, one in three adults doesn't get enough sleep on a regular basis.
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For many, summer ushers in sunny afternoons spent lounging by pools, floating lazy rivers, and taking the boat out for waterskiing, fishing, and all things wet and wonderful in Michigan. And, whether by a backyard kiddie pool or a local pond, children are particularly enamored, making water safety a foremost concern for parents.
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It's one of those things that's overlooked until it's absolutely necessary: a first aid kit. Whether you're relaxing at home, navigating five-o-clock traffic, or summer adventuring in your new RV, having a simple first aid kit can mean the difference between an inconvenience and an emergency.
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Summer's generally agreeable weather and extended daylight hours in Michigan make it an ideal season to tackle renovations, remodels, and other household fix-its. Still, these projects aren't without inherent challenges and risks. A little due diligence at the onset can do much to minimize unhappy surprises and make for successful, stress-free (or, at least, as close as it gets) renovations.
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As winter thaws into spring blossoms, summer beckons with backyard cookouts and campfires under the stars. Like many people in Michigan, spring also means an overhaul of all the recreational toys and gear that make those summertime adventures comfortable, including the family camper. Here are some considerations when readying your RV for all the camping and travel expeditions ahead.
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While the bluster and bite of winter may still reign over much of the country, spring melts and the months of outdoor recreation they usher forth are just around the corner. Now is the time to survey summer gear and prepare for the active months ahead. Boating, camping, and cycling gear can all benefit from a seasonal tune-up. Here are some recommendations for fun summer adventuring.
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The pandemic changed many things for many Americans, from how we work to how we socialize. One potentially positive shift is that it accelerated the already growing field of telehealth. Suddenly it became easier and made more sense to see your doctor online for basic ailments and routine check-ins. But is telehealth all it's cracked up to be? Here are some common questions you may have about telehealth:
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The holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.
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As youngsters, the more serious-minded among us were vigilant about making the Scout motto "Be Prepared" a reality. Now with the latest round of fires, earthquakes and hurricanes, the old adage is more relevant than ever. Even in Michigan, we all have the potential to encounter the occasional unpredicted mishap. But few events can be as unpredictable, or devastating, as natural disasters: hurricanes, floods, wildfires, tsunamis, severe storms, tornadoes, and landslides, many of which we've been faced with lately.
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This year, many of us got a much more up close and personal relationship with our families, our houses, and our things. And many of us realized: we have way too much of all three. While you can't get rid of your 6-year-old or your spouse, there are plenty of places you can go to unload excess stuff.

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Schoen Insurance Agency, Inc. can help you consider the following six factors when determining an ideal car for your teenage driver.

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In many cases, a warranty can seem like a sneaky way for manufacturers to squeeze a few extra bucks out of their customers. In some cases, purchasing a warranty might actually be a good idea. Whether you're thinking about signing up for a warranty on a major purchase, or deciding whether to pay a few extra bucks for a warranty on a small appliance while standing in line at Target, here's what you need to know in order to make the best decision.

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"Call before you dig" is a refrain you may have already heard from Public Service Announcements on the radio or TV in Oakland County. But many homeowners still ignore this basic advice, sometimes with deadly results. If you're planning to dig anywhere on your property, here's what you need to know--and do--to get the job done safely.

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Although motorcycle enthusiasts in certain areas of the country are able to ride year round, spring and summer is when most bike owners are finally able to get out there on the open road. Before you take that first ride, make sure that your bike is up to the task and ready to go. Motorcycle maintenance and safety go hand-in-hand, and keeping your bike in great shape will ensure a great ride.

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Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.

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Spring is here, and summer is close behind. Time to start daydreaming about driving off into the sunset...
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We all know the benefits of participating in youth sports: they provide exercise, enjoyment, and a sense of belonging, while teaching valuable lessons about teamwork, disappointment and persistence, among other things. Nowadays, however, it's hard to ignore the research on concussions in youth sports, and the fact that participating can have potentially serious, long-term consequences. Here's what you need to know to make an informed decision.
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Winter sports are all about making the most of the frigid temperatures. But because conditions can be so unpredictable, there are also some serious safety concerns that go along with being active outdoors this time of year. Here's how to stay safe and get the most out of your favorite winter sports from skiing and snowboarding to ice skating, hockey, sledding and snowshoeing.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Smart home technology is quickly becoming commonplace in Michigan, and also affordable to the average consumer. The increased quality and availability of high-tech security devices means that anyone can safeguard their property and belongings. If you're looking to protect your home, family and property, here's an overview of some smart home security tools that might work for you:
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Every single day, sexual violence impacts hundreds of Americans. April is Sexual Assault Awareness Month, and whether you are male or female, there are things you can do to protect yourself or your loved ones from sexual violence. Here's what you need to know:
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They may be your own, or they're your grandkids or your friend' kids, but driving with kids is a task that should always be taken seriously. Having kids in the car can be quite distracting. Perhaps they are fighting in the back seat, or maybe one is asking you for a snack while the other has to make an urgent bathroom stop. Paying attention to the road and to the kids is a trying experience. Read these tips to find out how to keep your pint-sized passengers safe and sound, for any trip at any age.
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In early February, the U.S. celebrates the truly American sport of football. Recently we've heard some pretty tragic stories about the effects of head injuries on professional football players but did you know that regular people who play contact sports or participate in activities like skateboarding or snowboarding are also at risk? Keep reading to find out everything you need to know about sports-related head injuries and how to reduce your risk:
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With the days getting colder, at least for those in the northern part of the country, you might be starting to regret not taking a closer look at the insulation in your home during the summer months. But it's not too late to make your home more efficient, and cozy, for winter!
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June is National Safety Month and a great time to review your personal safety profile to find out how you can minimize the risk of accident or injury. Due to multiple factors, summer is a time of year when the risk of many common hazards increases.
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Headlines announcing the spread of Zika virus have probably been showing up on your news feed for months. But what is Zika? And should you be worried about it?
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Spring break is on the way and summer will follow soon after. If you're planning to take a road trip, long or short, make sure you and your vehicle are safe and ready to go by following these recommendations:
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When a natural disaster or major emergency strikes, it's a good possibility that many of those affected will be on the job. That's why it's important for business owners to have a well thought out emergency plan, and to take precautions that will keep employees safe should a crisis occur.
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Everyone in Michigan agrees that cyber safety is important, but what, exactly, does it mean to be "safe" online? And what do parents really need to know? Here are the top five things you can do to teach your kids how to become responsible digital citizens:
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We all want to be the one to find a gift that makes the holidays unforgettable for that special child in our lives. Whether you're a parent, aunt, neighbor or godparent, don't let your quest for holiday magic steer you towards a purchase that might be unsafe or inappropriate.
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At school, home, and in the corporate workplace, taking the time to create an emergency preparedness plan is common; but for busy small business owners in Wayne County, Michigan, this seemingly non-urgent task can easily take a backseat to more pressing concerns. However, by neglecting this task, your small businesses could be at greater risk of serious negative impacts.

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Tips for Safe Snowmobiling in Wayne County

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Tips for Safe Snowmobiling in Macomb County

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Tips for Safe Snowmobiling in Oakland County

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Summer in Michigan is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.

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In the United States, gun ownership is still a hot button issue. A 2014 study in the Annals of Internal Medicine reported that having a firearm in the home puts those in the household at higher risk of committing suicide or being the victim of a homicide. And approximately one third of American households keep at least one firearm in the home.

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Sleeping under the stars, hiking, swimming, and toasting marshmallows are activities many folks look forward to every summer. But getting back to nature offers its own set of risks. By understanding the following common camping mishaps, you can make it much more likely that your summer outdoor excursions will only include the fun and exhilarating kind of adventures, instead of the emergency-room kind.

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When it's hot, the cold water calls. If you're lucky enough to have access to a lake, river, or community pool, it's vital to know basic water safety in order to prevent serious consequences. Approximately 10 people die each day from unintentional drowning, and according to the Center for Disease Control, drowning is the leading cause of injury death for young children, ages 1-4.

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A Christmas tree is a non-negotiable tradition for many families in Oakland County during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous.

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No one revels in the delights of summer like a kid. Michigan schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures. In fact, because there is so much potential for adventure-much of it unsupervised-many parents opt to enroll their kids in one or more summer camps in hopes that having a set schedule and a series of planned activities in which to participate will keep the youngsters out of trouble and, most importantly, out of harm's way. But summer seems to invite as many childhood accidents as it does moments of bliss, and no matter how structured a kid's summer is, a certain amount of mishaps are inevitable. The warm weather inspires a whole new slew of activities, many of which require an increased attention to safety on the part of both kids and parents. Use the following three tips to keep kids safer this summer:
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Home sweet home is an obvious place to give a good scrubbing once springtime in Highland arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.
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Spring is just around the corner, and it’s time to make sure your tires are ready to handle the curves. Accumulated debris, uneven roads and drastic changes in temperature (Michigan, no way!), can all affect their integrity. Routine tire maintenance will not only help you get the most out of your tires, but can also keep you safe while on the Oakland County roads.
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Of course gutters are not necessary for every house, but most houses need some kind of rain guttering system, especially in Michigan. If you notice the erosion of soil around your foundation, cement breaking up or dirt splattered on your siding, don't wait, your house is telling you it needs gutters to stay healthy.
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Between personal motor vehicles, factories, trains, and other sources of toxic fumes, the outside air would seem to be significantly more toxic than the air within our seemingly pristine indoor environments. Unfortunately, this is an illusion. The air you breathe at home or work can be seriously harmful. In fact, according to a study by the World Health Organization, indoor air pollution kills approximately four million people worldwide every year.
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Another big snow storm in Highland, Michigan....Refresh your memory on safe winter driving tips!
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Snow shoveling is not for the faint of heart-literally. According to Dr. Thomas Esposito of Loyola University's Stritch School of Medicine, an average of 11,500 people visit U.S. emergency rooms each year for mishaps resultant from snow shoveling. Heart attacks, broken bones, and back injuries are just a few common consequences of shoveling sessions gone wrong. Bumps, blisters, sprains, and lacerations are also oft-cited injuries. And then there are the fatalities! Who knew this everyday wintertime chore could pose such danger?
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A standard homeowners insurance policy includes four essential types of coverage. They include:
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The first month of a new year is a time when we make resolutions to better tend to our physical and mental health, as well as the health of our relationships. We'll work out three times a week, we promise. We'll finally sign up for those guitar lessons we've been so shy about taking, we vow. We'll have regular Sunday dinners with the entire family, no ifs, ands, or buts.
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The cold, snowy winter months in Highland, Michigan can cause some unique challenges when it comes to taking care of your new home. Especially when you least expect the most recent Snowmageddon! Proper measures can help prevent damage to your home. Here are just a few home maintenance tips for winter that we have put together to help you with your winter home to-do list.
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Nobody in Highland, Michigan wants poor old Santa to emerge from the chimney looking like a scary, sooty monster. Now that the weather is truly chilly and the generous man from the North Pole is on his way, it's time to think about your chimney and/or make sure your wood stove is in fine working order. Hiring professionals to do this for you is certainly one option, but during a time of year when your pocketbook is already likely to be a bit on the depleted side, you may be motivated to do it yourself. Here are some tips for safe and effective DIY assessment and cleaning of chimneys and wood stoves:
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Asbestos is a hidden health hazard that can lurk right in the place where you should feel the safest: home. While those who work in the construction industry are considered the most vulnerable to asbestos exposure, especially repeated exposure, it's important to keep in mind that even very limited exposure-such as what you might experience during a simple renovation project-can have long-term negative effects. Make it a priority to prevent you and your family members from coming into contact with this dangerous material.
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Is Facebook still a "friend" to the social media user who values some semblance of privacy? With the advent of Graph Search, Facebook's internal search engine, which allows users to search for comments, photo captions, photos, and other material posted by themselves or anyone else, many Facebook users are feeling that their privacy is a thing of the past, like those other casualties of technology, such as the handwritten letter and the answering machine.
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For those of us in Michigan who are guilty of putting the pedal to the metal, cruise control has seemed like a real blessing. With the press of a button, you can pull your lead foot off of that accelerator, keep your vehicle at a safe and consistent speed, and avoid an expensive speeding ticket. Some cars are even so "smart" that they can automatically adjust their own speeds when cruise control is in effect, keeping a safe distance from the car in front of you. Cruise control enables you to keep the road a bit safer for everyone...right?
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Just imagine this scenario: You're driving to work early one morning, and you stop at a red light in Highland. The driver behind you still has sleep in his eyes, and doesn't hit his brakes in time. He crashes into the back end of your car, not too hard, but hard enough to raise some concern, and maybe even a curse word or two. You both get out of your vehicles and when you check your rear bumper for damage and see not even a scratch, you shake hands, get back in your cars, and finish the drive to work.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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For a long time, most devoted exercisers have adhered to the rule that a sustained stretch of aerobic exercise-one that kept your heart pounding for at least 10 minutes-was what garnered the desired results: a healthy weight and a fit body, not to mention less money shelled out on health insurance co-payments!
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As a small business owner in Michigan, you've likely invested significant time, imagination, and money into getting your enterprise off the ground. Sure, maybe you're not a big company with dozens of employees and stockholders. Maybe, in fact, you're the only employee. But you still have plenty to lose, and after all your efforts, it would be awful to suffer the financial and emotional blow of being sued by a patron or client. This is why liability insurance is so crucial, even for the littlest of businesses.
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With school starting at Huron Valley Schools, it's easy to forget that summer lingers well into late September, and the weather remains warm enough in Milford and Highland for most of us to continue enjoying our yards. The nights, however, are cooler than they've been in months, making those wonderful outdoor fire pits more appropriate than ever. What's more pleasant than sitting outside with friends and family, some good food and drink, and maybe even or guitar or two around a warm, flickering fire?
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In Michigan, the change of the seasons can be dreadful.This means going from a beautiful summer day to a bitter cold winter in a matter of a week.It doesn’t take long to change the seasons, so you need to prepare before it hits you. It is time to start thinking about storing that boat, jetski and motorcycle.Have you thought about your insurance needs while your toys are in storage?Schoen Insurance Agency, Inc. can help you get the perfect coverage while your summer toys hibernate for the winter.
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Get a quote for Commercial General Liability
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Part of what makes our iPhones, Androids, and the like so convenient is their diminutive size. They fit easily into pockets and purses and are extremely portable. The undesirable flip side to their petite stature, however, is how easily they can be left behind and lost, not to mention stolen. Before notifying your insurance company about a lost or stolen device, however, you can try tracking it down.Taking these steps before hand will make finding a lost or stolen phone easier, whether you are in Milford, Highland, or anywhere else in the world.
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Talking on a handheld cellular device while driving has been banned in 11 states, and texting on one has been banned in 41-for good reason! Common sense says that conducting a phone conversation or looking down at a phone to compose a text message while driving is a dangerous distraction. Many drivers, even those who live in states where talking or texting on a cell phone while driving is perfectly legal, have opted to use hands-free devices because they seem so much safer.
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Who doesn’t love a vacation? At Schoen Insurance Agency, Inc., we have the Travel Insurance you need to feel protected on your trip. While planning that well need getaway, do not forget to insure the unpredictable.Through unanticipated travel delays, bad weather, lost luggage and medical emergencies in foreign countries, Schoen Insurance Agency, Inc. in Highland, MI 48357 can have you feeling worry free from the time to purchase your flight to the time you get home safely.
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As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings.
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No matter where we live we all need to be aware of the extra precautions necessary to safe winter driving. Those of us living in climates where winter is non-existent or an infrequent visitor may need to take special heed. We don't get much practice driving on ice or in snow but business trips or vacations may require us to drive in foreign conditions. It's better to prepare ahead rather than rely on a crash course (sorry for the pun).
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While the vast majority of products and toys produced for infants and children are safe, that is not always the case. In March of 2005, for instance, Graco agreed to a record 4 million dollar fine for failing to report deaths and injuries related to recalled goods or products about to be recalled. Each year, about one-third of the 350 or so products recalled by the Consumer Product Safety Commission are intended for infants and small children. Small children are particularly susceptible to inherently unsafe products so it is a good idea to review recall information periodically.
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