Even if you’re a good driver, you might be costing yourself extra money every time you get behind the wheel in Circleville, Ashville or Chillicothe. How? By doing things that can increase wear and tear on your car — even things that seem perfectly normal.

You may not even realize you’re doing them (most habits are unconscious behaviors), but these driving behaviors may be at least partially to blame for your frequent repair shop visits. So, help keep your car in better shape by asking yourself a few questions about your driving:

1. Is my gas light always on? Regularly driving on a nearly empty tank can increase wear on your car’s fuel pump. It’s best to keep your fuel level at a quarter-tank or above.

2. Do I shift too quickly? Shifting your car into drive while you’re still rolling backward is one sure way to increase stress on your car’s transmission. Always stop before shifting.

3. Am I always on the brakes? Maybe you aren’t leaving enough following distance between you and other cars. And, when you’re going down a steep grade, consider shifting into a lower gear. That can help you slow down more naturally, without putting unnecessary wear on your brakes.

4. Is my car usually packed with stuff? Additional weight means additional stress on many different parts of your car, including your transmission, your brakes and your suspension. So, unless you really need it, don’t pack it.

5. Do I have a lead foot? Putting your foot to the floor might be exhilarating for you, but it’s not so great for your car — especially if it’s still cold and oil hasn’t reached all the different parts of the engine yet. It can wear out your tires more quickly, as well.

If these behaviors fit your driving patterns to a T, it’s time to form new habits behind the wheel. Ones that won’t take a toll on both your car and your bank account over time. And, that’s something both you and your vehicle can be happy about!

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 Bertsz

With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip for seven consecutive years now, according to the National Marine Manufacturers Association.

Fortunately, the number of boating accidents isn’t growing at the same pace—in fact, they are decreasing. In 2017, the most recent year for which statistics are available, accidents were down nearly 4% versus 2016; fatalities dropped by more than 6%, and injuries by over 9%.

That’s great news, but in order to make sure those numbers keep moving in the right direction, boaters need to keep making safety a priority. We’re here to help: Just in time for National Safe Boating Week May 18-24, we’ve compiled some tips for anyone who’s about to climb aboard.

Choose the right types (and sizes) of life jackets—and make sure everyone wears them.

There are different types of life jackets for various activities, such as vest-type jackets for calm, inland waters, offshore jackets with additional buoyancy designed for rougher water, and even some made for waterskiing, kayaking, etc. Think about what you’ll be doing, where you’ll be headed, and who will be with you, so you have the ones you need. (Click here for a great guide.)

Each individual on board (even pets) should have a life jacket that fits properly, and most important, they should wear it at all times—there probably won’t be time to throw one on when something bad happens unexpectedly. According to the Coast Guard, in most cases of boating-related drowning, life jackets were on board but they weren’t worn by victims.

Make sure you have other key safety equipment on board.

There are plenty of other items you should have (or consider having) on your boat to increase safety. Fire extinguishers are required on most boats, even small vessels, so make sure you have the right type and that you know how to use it. If you have an enclosed area on your boat, you should install a carbon-monoxide detector.

Cell phones don’t always work well when you’re out on the water, so a VHF radio can ensure you’re able to call for help—it might be a good idea to get an emergency position-indicating radio beacon in case you get lost, too. And finally, you should always carry an anchor and signal lights, even if you aren’t planning on being out at night.

Use common sense, both before and after you launch the boat.

Keeping your boat’s systems and equipment (including safety gear, of course) in good shape is the first step to preventing problems, so put in the time to perform inspections and maintenance tasks as needed. Then, before any trip, no matter how quick, check the weather. Look for wind and small-craft advisories in particular.

When you hit the water, the fun can begin! But keep in mind that a quiet, enjoyable day can change in just an instant, too. So don’t speed. Don’t drink or allow excessive distractions. Remember that there are other people out there too, and that when everybody does their part, boating is a lot more fun—and a lot safer—for us all.

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.

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Clean Your Way to a Longer-Lasting Car

Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle here in Circleville, Ashville or Chillicothe, potentially leading to serious damage and pre-mature aging.

Safety is also an issue. Grime across your windshield and windows restricts visibility in all directions, and even a light coating of dust or pollen can impair your vision, especially at night or when driving into the sun’s glare.

That’s why we here at Hummel and Plum Insurance Agency encourage you to visit your local car wash regularly. Washing your car removes dirt, residues and pollutants that degrade your paint finish and corrode the underlying metal. It’s like anti-aging cosmetics for your automobile!

But, is handwashing at home or visiting a commercial car wash your best bet? While both lead to a clean vehicle, you’ll cut your water usage in half by going to a commercial facility and help keep toxins and soap away from street drains, which can lead to local waterways. As a bonus, some commercial facilities recycle their water.

No matter which method you choose, these five tips will help you get the most out of your car-cleaning routine:

1. Wash often. The longer tree sap, dead bugs and other gunk sit atop your paint, the more damage they can cause.

2. Avoid abrasive soaps, cloths and sponges that can grind dirt deeper into your paint finish.

3. Wash the undercarriage thoroughly to help prevent rust, especially after driving on road salt in the winter.

4. Don’t forget the headlights. When you’re driving at night, in the rain or through an unfamiliar neighborhood, you want every lumen of illumination you can muster.

5. Consider eco-friendly car soaps, such as biodegradable or waterless products, to help lighten the environmental impact of washing your car more often.

And, when you’re all done? Finish up with a good waxing to give your car extra protection and shine.

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.

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It seems like the power always goes out in Circleville, Ashville or Chillicothe when it’s either way too hot or way too cold – talk about inconvenient. Also, inconvenient? Not knowing whether your food is safe to eat during and after an outage.

Obviously you want to err on the side of caution here. And, since you shouldn’t taste food to help determine whether it’s safe (harmful bacteria doesn’t always have a rancid smell or taste), here are some tips from the U.S. Department of Agriculture to help you decide what to keep and what to toss once the power’s back on:

1. Throw away meat, poultry and seafood once it’s been above 40 degrees Fahrenheit for more than two hours.

2. Discard milk, sour cream, yogurt and soft cheeses after four hours at 40 degrees or higher. Butter and margarine, as well as hard and processed cheeses, should be OK.

3. Toss mayo, tartar sauce, horseradish and creamy dressings after eight hours at 50-plus degrees. Vinegar-based dressings, along with ketchup, barbecue sauce, peanut butter, etc., are likely fine.

4. Refreeze food that still contains ice crystals, or is still below 40 degrees.

5. Dispose of all food that has come in contact with flood waters or firefighting chemicals. Even if it looks unharmed, it could still be unsafe.

We know it’s frustrating to have to throw out food, so try this simple trick to potentially help preserve it for longer: When the power goes out, keep the fridge and freezer doors tightly shut. The longer you keep them closed, the cooler they stay.

As for the cost of all that spoiled food? Your homeowners’ policy may help, but check in with us here at Hummel and Plum Insurance Agency first. If the value of the damages you claim is less than your deductible, you won’t have any coverage. However, if you have both home damage and spoiled food, filing a claim is the way to go.

Finally, why not prepare for the next Circleville, Ashville or Chillicothe power outage? Having appliance thermometers in your fridge and freezer, as well as picking up a food thermometer, will help eliminate some guesswork. And, maintaining a nonperishable food supply (you’ll need a can opener too) in a safe place – somewhere cool that’s not susceptible to flooding – means you’ll have something to eat no matter what. Be sure to replace items as they expire or get used.

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.

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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.

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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.

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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.