From genetically modified crops to the environmental and health effects of pesticides, more and more Circleville, Chillicothe and Ashville residents are questioning whether they should grow what they eat.

Wherever you stand on the issues surrounding today’s food supply, however, there are several good reasons to start your own garden:

• You’ll know exactly where your food was grown, and what went into growing it.
• You and your family can enjoy great-tasting vegetables — better than store-bought, some believe.
• Many people find gardening provides both physical and mental benefits and gives them an opportunity to enjoy the outdoors.
• Finally, there’s that sense of satisfaction that comes with eating food that you have grown yourself!

Clearly there are plenty of benefits to gardening. But, how do you get started?

Here are some important tips from the Oregon State University (OSU) Extension Service, which, like similar services around the country, provides helpful community resources on agriculture and other topics.

Pick the Right Site

“Choosing a garden site is as important as selecting the vegetables to grow in it,” according to the OSU Extension website. “All vegetables need sunlight and fertile, well-drained soil, and they will contract fewer diseases if the site has good ventilation.”

Here’s what to consider before marking your garden plot:

• Sunlight. Look for a shade-free site. Vegetables need a minimum of six hours of sunshine a day.
• Soil. How is the natural vegetation? If weeds and grass are healthy on the site, the soil will probably be good for vegetables, too.
• Surroundings. The roots of trees and large shrubs can suck nutrients away from your vegetables.
• Proximity. Make it easy on yourself, with water access nearby. Otherwise, you might be less enthusiastic about caring for your garden.

Choose What to Plant

Check with a local gardening organization or search the Web for what vegetables are best for your specific situation and climate. Here are three factors to keep in mind when you’re getting ready to plant, according to the OSU extension:

• Season. Plant your seeds at the right time to avoid damage from temperatures that are too hot or too cold. Follow the instructions on the seed packet.
• Depth. If you plant your seeds too shallow, they can wash away or dry out, but if they’re too deep, they might not come up at all.
• Spacing. Each plant needs its share of sunlight, nutrients and water. Don’t make them fight for it! Putting seeds too close together usually resul
• ts in smaller vegetables, too.

Water Wisely

The best way to water is by monitoring your garden, rather than simply adhering to a set schedule. Follow guidelines for your specific plants, and avoid these common problems, as noted by the OSU Extension website:

• Frequent, shallow watering. This can promote root development in surface layers of the soil, making plants very susceptible to stress and damage.
• Overwatering. Yes, you can “drown” plants; too much water can leave little to no oxygen in the soil.
• Postponing watering. Check your plants regularly. If they appear to need water, don’t wait.

For more specific advice on gardening in [insert city, state or region], check with the local university extension program. And, don’t worry; you don’t have to be an expert to enjoy homegrown food. You just need to be willing to put in a little time and effort — and get your hands dirty!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

Image by AllNikArt

4 Tips to Help Cut Road Trip Costs

There’s no better way to see the country than a road trip, and it’s also the way to travel if you’re looking to keep costs under control. To that end, here are a few ideas to help ensure you have a frugal good time out there on the road.

1. Cut your gas costs. Planning your route in advance will help you estimate your gas costs for the entire trip. Then, when you’re on the road, use the GasBuddy smartphone app to search for the lowest gas prices near you. Of course, you’ll also want to stick to the speed limit and keep your tires properly inflated to help improve your gas mileage.
2. Cut your food costs. Think about picnicking and cooking in rather than eating out. Packing healthy snacks in advance won’t just save you money, it may help save your waistline from the drive-through line, too. You’ll also get to explore the local grocery stores and see the different foods available in different parts of the country. And, don’t forget your reusable water bottle to fill up at water fountains.
3. Cut your lodging costs. Why not book a “room” outdoors? As long as you have room in the car for your camping gear, that is. Oftentimes you can book campsites in advance online. Look for campgrounds with nice facilities, such as showers and even Wi-Fi, and you won’t even sacrifice much in the way of comfort. But, you will save a considerable amount compared to staying in hotels. If the outdoor life just isn’t for you, look for last-minute hotel deals using apps from Hotels.com, Priceline or Orbitz.
4. Cut your entertainment costs. No matter where you’re headed, you can likely find some enticing entertainment options that are either free or low-cost. Check the official tourism websites of the cities and states on your route. Depending on the season, you might come across free concerts, lectures or plays at local parks and libraries. Or, check with museums about free admission days.

Whether you’re planning a long weekend or a couple of weeks on the road, we here at Hummel and Plum Insurance Agency wish you happy travels! Remember, we’re here to handle all of your car insurance needs to help keep you on the go.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

Image by gagnonm1993

Stop Wasting Energy — and Money — This Winter

Are you tired of high utility bills landing in your mailbox in Circleville, Chillicothe and Ashville? Not sure how to lower those bills without turning your heat way down or taking cold showers?

We at Hummel and Plum Insurance Agency can help.

Nearly 70 percent of the average home’s energy use falls into four main categories, according to EnergyStar.gov: Heating (29 percent), water heating (14 percent), appliances (13 percent) and lighting (12 percent). Here are some quick tips to help you save money in each of those areas and stay comfortable at the same time:

Heating

• Use (or install) a programmable thermostat. Running the heat all day when you are at work is a waste, but keeping it off all day means you’re coming home to a freezing house. Today’s thermostats allow you to easily manage when the heat goes on and off.
• Have a professional check your heating and cooling equipment to make sure it’s running efficiently. Also replace air filters regularly — whenever it looks dirty, or every 3 months, whichever is sooner.

Water heating

• In addition to lowering your thermostat to about 120 degrees (F), adding insulation to an older water heater or the pipes themselves can keep water warmer longer.

Appliances

• Wait to run your dishwasher until it is full; a half-load uses the same amount of water and energy as a full one.
• When you’re using the stove, choose the right burner for your pots and pans. Using a big burner for a small pot can waste a lot of energy.
• Keep your washing machine set to use cold water, whenever possible. And don’t forget to clean that lint trap in the dryer.

Lighting

• Using compact fluorescent bulbs is an excellent idea, particularly for lights you use all the time, like above your porch or in your kitchen.
• Replace your old decorative lights with new, energy-efficient models. Not only will they save electricity, they’ll last longer.

It’s not hard to get started with saving energy. Once you do, and you see those bills get lower and lower, you’ll want to keep going. Check out EnergyStar.gov for more tips and information.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

Quick, easy, inexpensive – whoever thought those adjectives could apply to home improvement projects in Circleville, Ashville, Mt. Sterling or Chillicothe? But, they can!

To spruce up your home on a budget, check out these five ideas for projects that yield maximum results with minimal effort and cost:

1. Paint: All you need is a can of paint to make big changes. Completely transform the mood of a room, or turn your front door into the main attraction of your porch. You can even paint a tile backsplash or turn worn vinyl flooring into something that resembles stone.

2. Lighting: If you have lamps, you don’t necessarily need new ones — simply changing lamp shades is a great way to update a room. You also can install new overhead lighting, such as a pendant lamp, or add inexpensive LED strips underneath your kitchen cabinets. Finally, dimmer switches can cast a whole new glow on your lighting options.

3. Furniture: You don’t need to buy new furniture to have “new” furniture. A slipcover or new upholstery can refresh a tired couch or chair. Or, if you like your pieces the way they are, why not rearrange them? That won’t cost you anything at all.

4. Don’t forget the hardware: Do your cabinet pulls and handles look dated or worn? Replacing them will make a bigger difference than you might think. And, while you can buy new ones at a local home improvement or department store, check online auction sites or local “freecycle” groups for other interesting options. A new faucet for your bathroom or kitchen is another great update that won’t break your budget.

5. Take a look outside: Spruce up your porch and create an inviting atmosphere with container plants, which are easy to swap out. A new welcome mat, door-knocker or house numbers could further lend an entirely new feel to your curb appeal.

Your options are limitless, and some are even easier than you think. One of the easiest fixes of all? Clearing up clutter around the house. It might not be as much fun as these other projects, but you’ll be just as happy with the results!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

When it starts getting cold in Circleville, Ashville, Mt. Sterling or Chillicothe, there’s nothing like a warm, home-cooked meal – especially during the holidays. In fact, for many, the holidays are synonymous with food: Thanksgiving turkey, Hanukkah brisket, Christmas ham.

Unfortunately, along with the traditional dishes, some of us accidentally cook up trouble in the kitchen over the holidays. Cooking fires increase dramatically during the holiday season, particularly on Thanksgiving Day, according to the National Fire Protection Association (NFPA).

Here are some of the biggest ways people get themselves into trouble:

• Too much multitasking. In one survey, almost half of the respondents said they leave the kitchen while they’re cooking to talk or text, check email, watch TV and more. The top cause of cooking fires is unattended cooking, according to the NFPA.
• Loads of clutter. Keeping flammable items around heat-generating appliances is another big cause of fires. Do you have packaging or paper items near your stove? How about curtains hanging too low? Those can increase your risk.
• Lack of safety tools. Every home should have a working smoke detector in or near the kitchen, and an easily accessible fire extinguisher.
• Cooking at too high a heat. Often, people will heat things up too quickly, or too much — especially when it comes to frying things in oil. And, some leave the house before things have completely cooled off, which might make for a nasty surprise when they return home.

Of course, no matter what precautions you take, you might still find yourself staring down flames in your kitchen. Here are three things to do:

1. If the fire is in a pan or pot, try putting the lid on. If it’s in your oven, close the door and turn off the heat.

2. If the fire is out of control, or is headed that way, leave immediately.

3. Call 911, but only after you are safely outside.

We hope it doesn’t come to that, but above all, keep yourself safe. Remember, your home can be replaced — and that meal you’re making can be, too. But, you and your loved ones can’t. So, keep your cooking attended, and keep it safe.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays—and that was just between Dec. 23 and Jan. 1.

Of course, winter weather creates a unique set of challenges on local roadways, too. So even if you’re not headed out of town, these safety tips can help you make it through the season safely.

Make sure your car is ready
Before winter arrives, and before any long trip, give your car a thorough check-up. Do wipers need to be replaced? Are your fluid levels where they should be? How’s the radiator and cooling system?

If you live in an area (or visit one often) where temperatures regularly drop below 45 degrees, it’s a good idea to get a set of winter tires—they’re better suited for the cold than all-season tires, because they’re designed to provide the best traction and handling in ice and snow. Whatever you’re driving on, however, make sure your tires are inflated properly and that they have enough tread.

Your car should have an emergency kit, too. Pack it with jumper cables, blankets, a first-aid kit, flares, food and water, a flashlight and other safety gear. A shovel and cat litter or sand are nice to have as well; they can provide traction should you get stuck.

Before you leave
If you’re going on a trip, make sure you check weather conditions along your route and take printed maps—you might not always have cell reception. Let someone know your itinerary, so if you don’t arrive on time, officials know where to look for you.

Every time you drive somewhere, even if it’s just a quick trip to the store, clear snow and ice off your car; it can be a hazard to other drivers. And don’t forget to clear your headlights and other lights.

When you’re on the road
Are roads snowy or icy? Take it slow. Take it slow. Take it slow. Give yourself extra time to get to your destination, and make sure you leave extra room between your vehicle and others. Watch for ice patches on bridges, overpasses and shady spots. And remember, having four-wheel or all-wheel drive does not mean your car will stop (or steer) better on ice.

If you’re caught in a storm that seems like it’s too much for you to handle, seek refuge as soon as you can. Sometimes it’s best not to drive in snow and ice at all—if it looks bad out there, stay home if possible.

If your vehicle becomes disabled or you get in an accident
Car trouble and accidents affect thousands of people every winter. If your vehicle is disabled, be sure to stay with it. Run your engine and heater for short intervals, and open one of your windows slightly to prevent carbon monoxide build-up. Light two flares (remember that vehicle emergency kit? Now’s the time to use it) and place one a safe distance from both the front and rear of your vehicle. Note your location with mileposts, exit numbers or cross streets and call the authorities or a tow truck.

If you’re in a crash, be careful—the aftermath of a car accident can be a dangerous, especially in winter when visibility might be reduced and conditions might be slick. Check everyone involved for injuries and call 911 if necessary. After minor accidents, have everyone pull well off the road. Put out flares and turn on your hazard lights.

When you can’t move your car, stay inside unless traffic is completely clear. It’s far better for another vehicle to hit your car, even with you in it, than to hit you directly.

Wherever you may be headed this winter, we hope you enjoy the season with friends and family. Here’s to healthy and happy holidays!

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

The holidays are just around the corner, and they often prompt people in Circleville, Chillicothe, Ashville and Mt. Sterling Ohio to hop in their cars for weekend (or longer) road trips to visit family.

Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the road.

You can take control of your next trip, whether it’s across the state or across town, by following these simple rules:

1. Pay attention. Do you know how many drivers around the country are using cell phones or other electronic devices right now? If it’s daytime, the answer is approximately 660,000, the National Highway Traffic Safety Administration says. Anything that takes your eyes off the road or distracts you increase your risk of a crash. Here’s another reason to avoid distractions: If you’re completely alert, you have a better chance of steering clear of that guy who is shaving on his way to work.

2. Stay sober. One bad decision can change lives forever, and driving under the influence is an extraordinarily bad decision. Nearly 15,000 died in 2012 in crashes involving impaired drivers, according to the National Safety Council (NSC). So get a designated driver — or better yet, be a designated driver. Best of all, have the party at your house and let everyone sleep over.

3. Slow down. They say “speed kills,” and, as depressing as it sounds, it’s true. Crashes caused by excessive speed cause more than 10,000 deaths a year on average, the NSC says. Surprisingly, you are most at risk on roads where the speed limit is 55 mph or below. Remember, the posted speed limit isn’t always the best speed to travel. Depending on conditions, going slower might be the safest option.

Improving safety on the roads isn’t rocket science. Just a little common sense can make a big difference for you, your passengers and your fellow drivers. So be alert and be safe out there on the roads in Circleville, Chillicothe, Ashville and Mt. Sterling Ohio.

If you have questions about insurance coverage or need help with a claim, we here at Hummel and Plum Insurance Agency are happy to help. Call us at 740-477-3311.

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Ohio – What’s Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Circleville, Ashville, Chillicothe and Mt. Sterling – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Hummel and Plum Insurance Agency to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to Hummel and Plum Insurance Agency today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you. Just call 740-477-3311 to speak with one of our agents and determine the right coverage for you.

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.

Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

Where is all that rain going?

Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.

Are you checking everywhere?

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible.

And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.

Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too.

What about around your property?

Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.

And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.

What should you do during the storm?

During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.

Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Victor U used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel.

There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps the most dangerous distraction, there are many others that can impact how you drive, whether you realize it or not. And they can be just as deadly.

How deadly? According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2014 more than 400,000 people were injured in crashes caused by distracted drivers – with more than 3,000 killed.

Here are just a few of the things that can distract drivers on the road:

• Talking on the phone, even with a hands-free device.
• Eating or drinking.
• Talking to passengers.
• Grooming (yes, there really are people who apply makeup or shave on their way to work).
• Reading, including maps.
• Adjusting the stereo.

Younger drivers are the most distracted of all – according to the government’s distraction.gov website, people in their 20s make up 38% of drivers who were using cell phones before a fatal crash, and 10% of teen drivers involved in fatal crashes were distracted, too.

With distractions more prevalent than ever – more than 150 billion text messages are sent in the U.S. every month, for example – how can you, and those you love, be safer behind the wheel? Here are a few tips:

• Don’t use the phone: This includes texting as well as talking, unless it’s an emergency. Even hands-free conversations can take your attention off the road.
• Eat before you leave, or after you get there: Scarfing down that burger with one hand on the wheel means your focus is divided – and you probably don’t have as much control over your car as you should. Bonus benefit: Keeping your meals and your driving separate means you’re much less likely to get ketchup on your pants.
• Know where you’re going: Nobody likes to be lost. But messing around with your car’s GPS (or the maps app on your smartphone) while you’re moving can lead to something you’ll hate even more – an accident.
• Talk to your family about safe driving: Having a conversation with your spouse as they’re driving home? That’s a perfect opportunity to say, “I’ll let you focus on the road; we can talk when you get here.” And if you have young drivers in the household, be sure to have a conversation about their phones and other potential issues, such as their passengers – a key distraction for teens.
• Watch for other distracted drivers: Just because you aren’t distracted doesn’t mean that other drivers are focused on safe driving. Stay in control and be vigilant – you’ll be ready to react when someone else makes the wrong move.

Distracted driving isn’t just “one of those things” that happens, like a tire blowout or mechanical failure that isn’t anyone’s fault. It’s 100% preventable – and by committing to avoiding distractions while you drive, you’ll help make the road safer for everyone.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Government of Alberta used under Public domain. Image cropped and modified from original.