Monthly Archives: May 2017

Want to be amazed?

little boy with big eyes

Take a child to a Science Museum !

American Museum of Science & Energy  

Oak Ridge, Tennessee
Science
Nashville, Tennessee
Science
Gray, Tennessee
Archaeology, Natural History, Science, Specialized, University
Ground breaking for the education annex at the Gray Fossil Site began early March 2010. Our team of paleontologists monitored the ground moving process to keep an eye out for the discovery of more fossils. Dr. Wallace stated there were no major finds during this stage of construction.

Adventure Science Center – Nashville, TN Museum

www.adventuresci.org/

As the premiere learning center in Middle Tennessee, Adventure Science Center is home to hands-on science exhibits for the entire family to enjoy.

A wonderful place for families! Explore inside and out! Walk through the wetlands and head inside for hands-on science.
Call AmeriAgency and be amazed at our customer service! 615-209-9362

Buy Fresh!

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Looking for fresh food? Try a middle Tennessee Farmer’s Market!

Rutherford County

La Vergne Farmers Market, 5063 Murfreesboro Road, La Vergne, TN, 37086
Lascassas Farmers Market, 7684 Barlow Lane, Lascassas, TN, 37085
Main Street Saturday Market of Murfreesboro, Public Square of Murfreesboro, Murfreesboro, TN, 37130
Market at the Mall, 1720 Old Fort Parkway, Murfreesboro, TN, 37129
Rutherford County Farmers Market, Lane Agri-Park Community Center, Murfreesboro, TN, 37129
Stones River Market, 2250 Rock Springs Midland Road, Christiana, TN, 37032

Davidson County

12th South Farmers Market, Sevier Park, Nashville, TN, 37204
Amqui Station Farmers Market, 303 Madison Street, Madison, TN, 37115
East Nashville Farmers Market, 1500 Davidson Street, Nashville, TN, 37206
Farmin in the Hall, 451 Hogan Road, Nashville, TN, 37220
Goodlettsville Farmers Market, 411 S. Main St., Goodlettsville, TN, 37072
Hip Donelson Community Farmers Market, 2730 Lebanon Rd, Nashville, TN, 37214
Madison Church Farmers’ Market, 106 Gallatin Pike North, Madison, TN, 37115
Nashville Farmers’ Market, 900 Rosa L. Parks Boulevard, Nashville, TN, 37208
North Nashville Farmers Market at Davidson Farmers, 3511 Dickerson Road, Nashville, TN, 37207
Richland Park Farmers Market, Richland Park Farmers Market, Nashville, TN,
Southeast Nashville Farmers Market, 5260 Hickory Hollow Parkway, Antioch, TN, 37013
St. George’s Farmers Market, 4715 Harding Road, Nashville, TN, 37205
The Bellevue Farmers Market, 684 Colice Jeanne Rd (Red Caboose Park), Nashville, TN, 37221
Vanderbilt Farmers Market, Garland Ave., Nashville, TN, 37240

Dekalb County

DeKalb County Farmers Market, 205 East Bryant Street, Smithville, TN, 37166
Fuson Farms DeKalb County TN, 480 West Broad, Smithville, TN, 37166

Looking for other locations? Try

https://agriculture.tn.gov/Marketing.asp?qstring=MKT#mid

 

Call us for all of your insurance needs.

AmeriAgency, Inc  615-209-9362

Summer!

beach pic of kids

Before you know it, we will be experiencing those hot, humid days of summer, which often bring intense rain and thunderstorms. Even if you don’t live in an area that typically gets regular summer storms, it only takes one big one to move through and do some damage to your home and property. Before storm season starts, take some steps to get your home ready.

  1. Check out the health of your trees. One of the biggest problems is damage from falling limbs. Take a look at the tops of your trees. Are they well-covered in leaves, or do some branches look bare? Then look at the roots. Is the land uneven, causing some roots to come out of the ground? These could be signs of unhealthy trees that may be more likely to fall in a storm. If you’re unsure, it may be worth calling an arborist to evaluate the health of your trees.
  2. Clean the gutters. Gutters filled up with leaves, twigs and pine cones will not drain well, causing water to end up where you don’t want it, along your foundation and in your basement. Water can also back up onto your roof causing damage to sub-roofing material.
  3. If your house tends to get water in the basement, make sure your sump pump is working well, and that you have some sort of back-up power source in case of an outage.
  4. Have an emergency storm kit prepared. Flashlights, batteries, water, food, first aid supplies and extra medicine are essentials to have on hand.

Storms are unpredictable, and while you can do your best to be prepared, there are times when your home will sustain damage due to lightning, rain or high winds.

TN Boat Safety Handbook

    lils                                         Boat Safety is important this time of year.

Whether you are new to the water or a summer regular, it’s always good to review the TN Boating Safety Handbook .

Chhttps://www.tn.gov/assets/entities/twra/attachments/tn_handbook_entire.pdf

Some important reminders:

Children under 12 are required to wear a US Coast Guard approved personal flotation device (PFD) when on the deck of a recreational vessel that is not anchored, moored, or aground.

EVERYONE on a PWC-( Sea Doo, Jet Ski, etc. ) must wear a life jacket-PFD- at all times.

It is illegal to operate a PWC after sunset.

“Slow, No Wake Speed, or Idle Speed” means the slowest speed at which it is still possible to maintain steering. The vessel should not produce a wake at this speed.

Call us to insure all of your water crafts!

AmeriAgency Inc      615-209-9362    www.ameriagency.com

What Is and Isn’t Covered by Homeowners Insurance

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Every insurance policy is different. Properly understanding what’s covered requires the homeowner to ask a lot of questions and to read the fine print on his or her insurance policy. Though there are differences between policies, there are some things that almost all insurance policies will have in common.

What’s Covered?

Homeowners insurance typically covers a broad range of possible damages. You can expect that your actual dwelling is covered, as well as some other structures on your property, like a garage, fence, driveway or shed. However, if you run a business on your property that’s housed in a separate structure, this is generally not covered in the typical insurance policy.

Personal Property is typically accounted for in your policy as well. This is sometimes known as contents insurance. The amount of coverage for personal property may be limited on certain types of high-value items, such as jewelry or artwork, unless additional coverage is purchased for these items.

Replacement Cost vs. Fair Market Value

Not all insurance policies offer homeowners the replacement cost of the property. Buying coverage for replacement cost helps to bridge the gap that can be caused by inflation and loss of value when property items are no longer new. Otherwise, if a claim is made, it will be assessed at fair market value. Since some items depreciate quickly, this means that you may not get enough money from a claim to cover or replace the items that were lost or damaged. Coverage for replacement costs will ensure that you’re able to replace the items that were lost, with similar items. If having this coverage is important to you, you’ll want to be sure that both your home and personal property are covered for replacement cost.

Car Broken in at Home

Most homeowners insurance policies generally include coverage for personal effects and separate structures on your property, such as a garage or a workshop. But what happens if your car is broken into while it’s on your property? This is where the distinction between your home and auto insurance policies can become a little blurry. Many home insurance policies will provide some insurance for personal items that are stolen from your car, but some of the more comprehensive auto insurance policies may cover this, too. Insurance companies may also limit the coverage available through your policy, if the items stolen were purchased for use in the vehicle exclusively.

Natural Disaster Coverage

A wide range of natural disasters are typically covered by your homeowners insurance policy, though not all of them. If you live in some regions, you’ll want to be sure to inquire about things like tornado or earthquake insurance. However, the typical inclusions for natural disaster include fire, lightning, windstorm and hail. Your policy may also include coverage for smoke damage, or damage caused by falling items. Earthquakes and other natural movements of the earth are not typically covered by insurance policies, though you can purchase separate insurance to cover these types of events.

Flooding

Flooding is much the same as earthquakes, when it comes to homeowners insurance. Flash floods and even sewer backups are not generally covered in basic homeowner insurance policies, though you can ask your insurance company about adding coverage to your policy, especially if you live in a region that is prone to flooding.

Personal Injury

Most homeowner insurance policies include coverage for injuries incurred by those on your property where you are liable. This could include something like someone slipping on a patch of ice that’s on your front walk, or falling as a result of a broken step on your porch. This coverage is usually limited to a certain dollar value, so you definitely want to know how much coverage you have and exactly what’s included. If you’re worried that you don’t have enough coverage, see 3 Reasons to Get Umbrella Insurance.

Deductible

The deductible is the amount that the insured party has to pay when a claim is made. You can decrease your insurance costs by increasing the amount of your deductible, meaning you’ll be required to pay more if you ever do have an incident that requires you to make a claim. Keep in mind that many mortgage providers require homeowners to carry a certain amount of insurance on their property with a deductible that’s below a specified limit. Check with your mortgage provider before opting for the lowest possible rate with the highest possible deductible. It might be tempting to go for the lower rate, but if you ever do have to make an insurance claim, you might regret it, if you’re responsible for a $10,000 deductible.

The Bottom Line

It may not seem like particularly interesting reading material, but it’s a lot better to take the time to thoroughly read up on what your insurance policy covers, than to be stuck in a situation where you’re not sure when you really need it. Ask your friends and family about the kind of insurance they have and what they’re covered for. This might help you to determine if you really need flood or earthquake insurance, what kind of deductible is normal, or if you want to increase the amount of personal injury coverage you have. Don’t forget to ask your agent whether you’ll need to get additional coverage to cover your original Van Gogh painting or that giant diamond ring.

At the end of the day, doing your homework before purchasing a policy could really pay off if you’re ever stuck in an unfortunate situation when you actually need to rely on your homeowners insurance.

If you need advice on home insurance call AmeriAgency at

615-209-9362.

 

31 Great Ideas for Your Summer Bucket List!

watermelon-summer-little-girl-eating-watermelon-food

Try an ice cream flavor you’ve never tried before
Make your own chalk
and create a sidewalk masterpiece
Go on a nature scavenger hunt
Have a bubble-blowing contest
Campout in the backyard

Make root beer floats
Host a water balloon fight
Make s’mores
Catch fireflies
in a jar – then release them before bed and watch the flurry of lights fly off into the night
Visit the local library and check out a book to read
Visit your local farmers market and make dinner with the items you find
Make paper boats and race them in the kiddie pool
Run through the sprinklers
Finger paint
a masterpiece for the fridge
Pick berries and make a healthy smoothie…or a pie. Definitely pie.
Get a pedicure
Visit the Zoo and play I-Spy
Build your own kite
and take it out to the park
Build a sandcastle
(find a sandbox if the beach isn’t near)
Go on a sunset bike ride
Build a fort out of card board boxes
Have a coloring party
Have an impromptu potluck BBQ in the backyard with neighbors
Feed the ducks
at the pond
Have a family dance party
Eat a summer peach any way you like
Play hopscotch
Make an Arnold Palmer and watch the sun set

31.  Call AmeriAgency at 615-209-9362 for cheaper auto & home insurance.

Tips For A Cooler Car This Summer

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Warmer temperatures are setting in and if you’re in a warmer climate – you may already be sick and tired of how hot it is outside. The only thing worse than the heat outside is the heat trapped inside of your car when you get into it. Sticky seats, scolding steering wheel, and beaming rays of light through the windows are all common symptoms of summertime heat.

Here are some tips that can help take the heat off of your car, literally.

  • If your state laws allow it, consider tinting your windows to keep your car from absorbing too much heat.
  • Purchase sun shades for your windshield when your car is parked. These shades will help your car cool down quicker once you start it.
  • When possible, park in the shade or in a garage.
  • Check your car’s air conditioning system and bring it into a mechanic if you feel that it is not operating correctly. You may need more refrigerant or a tune-up.
  • Once you start your car, open your windows while driving to help your AC push the existing hot air out of your car to make room for the cool air coming from your car’s air conditioner.
  • If you have any exposed metal or leather seats, place towels or gel covers on car seats to help protect your skin from the harsh heat.

Remember to keep animals and children out of parked cars.

Check in with AmeriAgency today to review your current auto policy.  

Call us at 615-209-9362

8 Great Summer Ideas

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Summer’s here. Summer is that special time of the year where you plan your family vacations, stay up late chasing fireflies, celebrate our country’s birthday and relax in the pool. We’ve assembled some fun things to do with the whole family to maximize your summer fun and create memories that will last forever.

Squirt Gun Water Painting
It’s pretty much exactly what it sounds like. You fill some water guns with watercolor paints and fire them right at your easels. This definitely an outdoor art experience and I’d wear some clothes I don’t mind getting paint on-part of the fun is splashing some color on each other. And if you choose the right paints, they’ll wash right out.

Chasing Fireflies
A low tech classic. Every generation has to spend at least one summer utterly obsessed with lightning bugs. Don’t have your kids miss out. Grab a few Mason jars and teach your kids how to capture fireflies. Don’t forget to let the fireflies go so your kids can chase them down tomorrow.

DIY Water Slide
Don’t be afraid to get the whole neighborhood involved! With a couple tarps and a hose, you can build your very own water slide. And the more families you get involved, the more long-lasting lessons about the importance of taking turns your kids will learn.

Outdoor Movie Theater
If you’re lucky, you live a community with a really cool park that does weekly outdoor movies. But if you’re not, don’t give up on the movie! You can pick up a large piece of white fabric (Careful using a sheet, they’re usually too thin) and a portable projector. Grab some popcorn and blankets and you’ve got a guaranteed good time. This is the perfect way to entertain a sleepover group.

Go Camping
On the list of classic summer moves, camping is pretty high up there. From mapping the constellations to making s’mores (and debating whether your marshmallows are burnt or perfectly brown) there’s so many memories to make.

Pick Blueberries
There are some really awesome blueberry farms that will let you and your whole family loose through their crop with baskets. And with no rule about how much you eat while you harvest. My family used to pay $5 a basket when we went and it was worth every penny. Expect blue tongues afterwards.

Eat a Watermelon
And you’ve got to spit the seeds out onto the ground! Taking your kids to pick out the perfect watermelon, then cooling it in the fridge: these are the memories that they will connect with summer every year. And if you plan ahead, you can save the rind for very cute adult jello shots.

Send the Kids to Someone Else’s House

It’s the best thing about the summer: all of us parents are in it together. You can plan to have all the kids at their friends’ houses for the same evening. If you’re really good, you might even pull off a whole weekend sans children. Some summer activities are more fun without the whole family. Like watermelon jello shots.

Your best call of the summer is to call AmeriAgency at 615-209-9362 for auto & home insurance.

5 Ways To Improve Your Computer’s Security

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reposted: By Kim Komando, Komando.com

The moment you log onto the internet, your computer starts its game of Russian Roulette. I know that sounds bleak and frightening, but it’s true. Your personal data stored on the hard drive is a magnet for hackers and cybercriminals, and they will stop at nothing to break into your system.

These attacks are often overt and frightening. Virtual bandits have committed wave after wave of digital crimes. They have extorted untold Bitcoin dollars from regular users desperate to decrypt their files.

Tip in a Tip: Just a few weeks ago, ransomware affected some 200,000 Windows computers all over the world. Click here to learn how to protect yourself from ransomware attacks.

So how do you know if the security you set up on your computer really works?

Hackers use many different methods to invade your computer, so you’ll want to approach the problem from several angles. Think of it like a rancher leaning on the fence to make sure it’s still sturdy. Here are some ways to keep that fence from falling over.

1. Test your settings

The first tool in your arsenal is Microsoft Baseline Security Analyzer. This free tool examines your Windows and Office settings for any potential problems, especially contamination.

First, MBSA will test your user account passwords and let you know if any account has a weak or disabled password, which is easy prey for hackers.

MBSA will also check many of your account settings. Is your computer set up to get automatic updates? Do you have more than one administrator account on the computer? This software will check all of that information for you.

MBSA also has guides to what settings are preferred and why. Just click the “What was scanned” or “Result details” links to read them.

Also, pay attention to your shared folders. MBSA will show you folders set up for sharing. You may have opened up some private folders in the past, so anyone on your network can access files in these folders. Make sure you’re only sharing what you meant to share, and with whom. Click here to learn more about MBSA and download this free tool.

2. Update your browser plugins

I’ve said it before, and I’ll say it again: Keep your browser updated. Only the latest, safest version will help protect you from infections and attacks.

But an up-to-date browser is just the beginning. You need to make sure your browser plug-ins are up to date as well. Just like an old browser, an outdated plug-in leaves your browser and your computer vulnerable.

Open up the browsers on your computer, even the ones that you don’t use, and go to Mozilla’s Plugin checker. It will show you every plug-in installed on the browser and whether it’s up to date. Even though it’s the same company that makes Firefox, the Plugin checker works for Internet Explorer, Chrome, and other browsers.

If you want to remove any plug-ins or toolbars you find, follow the instructions I provide here.

3. Test your firewall

One of the most fundamental security setups is a firewall. Windows and Mac have decent firewalls built in, and many third-party security programs include them.

A firewall keeps hackers from seeing your computer online when they’re searching for victims. Even if they know where your computer is, the firewall keeps them out.

But they’re not perfect. A wrong port setting can send up a flare, revealing your computer or giving hackers an opportunity to slip past. If you have a virus, it might have changed your settings without you even knowing.

A port test service like PortTest scans your firewall to make sure your computer is invisible. If it can see you, so can the hackers. Click here to test your computer’s firewall.

4. Permanently delete files

Newsflash: Deleting your files doesn’t actually remove them. They can still hang around your hard drive for days or weeks. Anyone who knows what they’re doing can recover them.

That’s why it’s a good idea to permanently delete any sensitive files that you no longer need. Click here for step-by-step instructions.

But even then, you don’t want to just dust your hands and assume the files are gone. To confirm they’ve been deleted, fire up a file-recovery program like Recuva and see what it can even find on your system.

If it doesn’t find the files you permanently deleted, you’re in good shape.

5. Check your Facebook settings

Your computer isn’t the only place you store information. Facebook is packed with personal data that a scammer would love to mine.

That’s why they invented the “View As” tool. It shows you what your profile looks like to the public or specific people. If any of your information has the wrong settings, you’ll be able to spot it immediately.

Go to Facebook and open Settings >> Timeline and Tagging. Next, go to “Who can see my things on my Timeline” and click “View As.”

Consider this the “au naturel” setting of Facebook. You’ll see exactly what your profile looks like to strangers. Click through your Timeline, About, Photos, Friends, and other sections, and see whether vulnerable tidbits have slipped through.

Remember, you can edit every single thing in your profile. To the right of each item, you’ll find an icon with an upside-down triangle. Click this to choose who can see the information. It’s a shortcut that will save you a lot of headaches down the line.

There are plenty more settings you can use to change your Facebook privacy. Click here for a full walk-through of Facebook’s privacy settings and how they work.

How else can you keep your computer secure from trespassers? Be sure to listen or download my podcasts, or click here to find it on your local radio station. You can listen to the Kim Komando Show on your phone, tablet or computer. From buying advice to digital life issues, click here for my free podcasts.

For great auto, home, renters and business insurance call AmeriAgency 615-209-9362.

4 Tips for Planning Your Vacation

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As summer approaches, plans for family vacations have no doubt begun to form in your mind. If your family is pretty large or has members that require accommodation, planning your vacation can seem like a daunting task. Here are some tips we’ve compiled to help you plan a great family vacation this summer:

  1. Stay Organized. When you’re putting together a family vacation, it’s likely you have a lot of information to keep organized. Keeping everything in one place can really help you stay organized. Consider creating a vacation binder to keep track of all of the moving pieces.
  2. Cordon off Space for Packing. Make space where you can compile the belongings you’ll need to take, like passports and paperwork you may need. You can begin to pack away things you’ll need for the trip little by little, taking away from last minute stress.
  3. Make Lists. This means lists plural. Delegate lists to different family members so that everyone can contribute and carry their weight. If there are family members who need accommodations like walkers or wheelchairs, make sure their needs are outlined clearly on a list.
  4. Pack snacks. If you’re going on a trip, keeping everyone fed decreases the likelihood of crankiness. When you’re in confined places, cranky family members can drain the energy from the vacation. By staying hydrated and well nourished, you minimize the chances for a clash.

For great auto, home or renters insurance call AmeriAgency at

615-209-9362.