Do you have a child heading off to school?

Do you have child on their way to college for the first time or heading back to college?  Having your child away at school can be a scary notion for a parent as they have to give up some control over their loved ones.  Here are some items that could help keep your child a little safer away at school. 

1.        Pepper Spray:  Pepper spray is an aerosol spray containing oils typically from cayenne peppers and is issued for irritating the eyes and respiratory system.  There are a couple of different types of pepper spray, typically it’s the distance traveled that changes with each type.  Types of pepper spray can be foggers, streams, gel, and foams.  The stream has the longest distance at 15-20 typically. 

2.       Personal Emergency Protection Alarm:  A PEPA is a device that is portable and has a button that you hit, once the button is hit a loud alarm is given off to alert people nearby you are in destress.  These devices are typically battery operated and cost effective, typically running in a 16 to 30 dollar range.

3.       Mini Flashlight:  A mini flashlight has many uses.  This device can be used if you are coming home from the library late, lost on or off campus, or if your car breaks down. 

4.       High Visibility LED Safety light: This light you can wear while walking or jogging on campus.  The bright light will let traffic know you are there.

5.       First Aid Kit:  Self explanatory

6.       Keychain:  Make sure you know where all your keys are, not is worse than panicking over a set of missing keys


This list will help you get started getting ready to go back to school safer.

Back to School

August is here and very soon school will be back in session.  School can bring with it some driving challenges for everyone.  Here are some tips to stay safe in and near school zones.  Remember it is illegal to pass a school bus when the lights are flashing and the stop sign is extended.  The bus stop sign goes for both sides of the road, even if it is a four lane street.  Do not switch lanes or make U-turns while in a school zone.  While in a school zone mind the reduced speed limit, fines can be much greater for a school zone violation.  Pay attention to crosswalks.  You don’t want to block a crosswalk.  This can lead to kids possibly running behind your car and into someone not expecting them to be there.  Also remember to yield to flashing crosswalk signs.  Flashing crosswalk signs called Rectangular Rapid Flashing Beacons can be popular in heavily walked areas and school zones.  When the lights are flashing there is typically someone in the crosswalk trying to cross.  Another school zone safety measure is a crossing guard.  Pay attention to what the crossing guard is telling you.  Usually the crossing guard is the last person in the street.  Finally just like any type of driving keep distractions to a minimum.  The beginning of the school year can be an exciting time for kids, and kids could be anywhere.  Have a safe start to the  school year.

Back to school

Back to school season is here. For some kids it is going back to college, for others it is the first time out on their own. What does that have to do with insurance? Well possibly a couple of things. Is your child taking a car to school or are you dropping them off? If you are dropping your kid off at school without a car, you could qualify for a discount. Many companies will discount a child away at school without a car, some depend on how far away from home they are. Typically you get a reduce usage rate for your child. Is your child living in a dorm or renting an apartment? If you child is renting an apartment then you might need renters insurance. Some apartment complexes make their tenants furnish a renters policy to move in. Beyond being a requirement of some apartments, renters insurance could help you protect your child’s stuff and your personal wealth. Liability coverage’s on a renters policy could help protect you and your child in the event of a lawsuit. Back to school can be scary and exciting. Let us help you make next school year a good one.