Archive for the ‘ Family Safety ’ Category

Should I Buy Insurance Online?

Monday, February 6th, 2017

independent agent or on line lee hil rowe
You get bombarded by commercials from insurance companies claiming you can save money on your insurance by getting it online or from their 1800 call center.  These online insurance carriers may, in fact, provide coverage at lower premium costs, but are you really getting the coverage and service that you need?  Is bottom-line price all that matters?

When you purchase your insurance policies through an independent agent you may be getting a lot more than you realize. When you work with one of us, you are dealing with a seasoned insurance professional who has industry and market knowledge and access to multiple insurance companies. It’s our job to get you the best coverage we can, but it’s our pleasure to save you money wherever possible.

In addition to securing your insurance coverage, here are some other services we provide:

  • Annual account reviews to ensure proper coverage
  • Shop the market for the best pricing
  • One-stop shopping for all of your insurance needs, both personal and commercial
  • Specific knowledge of your unique insurance needs
  •  Assistance with claims
  • A personal relationship with someone you know vs a random stranger at a call center

When you choose an independent agent instead of an online mega insurer, you experience the personalized service you deserve as a valued client. Independent agents will take the time to put together a variety of coverage options that a captive agent simply doesn’t have available, and can become your trusted advisor who will provide you with the knowledge and education it takes to make informed choices about the best coverage for you and your family.  At an on line call center, you never get the same person twice, so you don’t have the opportunity to develop the kind of rapport and trust. Why would you settle for anything less?

If you haven’t had an insurance review lately, why not give us a call and at 912-525-3360, or stop by and we’ll give you a free coverage evaluation. We’re a family owned and operated agency and we carry all lines of personal and commercial insurance.

A. Yate  for LHR/copyright 2017 All rights reserved


Protect Your Family With the Latest in Home Security Technology

Wednesday, September 28th, 2016

Home security technologyMost people care about protecting the things they love – and for our customers, family and home are at the top of that list. Besides getting the best homeowners insurance, investing in a good alarm system and keeping it functional is one of the best ways to help keep the people and assets that mean the most to you secure. What kind of new alarm systems are available, and what’s best for your family?  Our friends at Safeco Insurance have rounded up the some to latest information to help you make an informed decision.

What Kind of Alarm Should I Buy?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your phone or other mobile device, so you can feel confident even when you’re out of the house.

So, what home sensors do you need? Only you can answer that question – it depends on what you’re comfortable with. For your peace of mind and safety, you may want to consider the following types of alarms for your home.

Start With the Basics

Whether you’re in a house, condo or apartment, smoke alarms and carbon-monoxide (CO) detectors are absolute musts. They can alert you and your family in the event of a fire or if deadly gas is building up in your home.

  • Smoke alarms: According to the National Fire Protection Association, you should install these inside every room where people sleep, with at least one on each level of your home. For maximum safety, use both ionization and photoelectric alarms, which respond to different types of fires, or a dual-sensor alarm, which will respond to both flaming and smoldering fires. You can choose from alarms that are hard-wired into your home’s power supply or ones that run on batteries. Be sure to test them regularly and replace the batteries twice a year when you set your clocks forward or back.You also should consider smoke alarms that can be linked, so when one goes off, all of the alarms in the house sound. Other options include alarms with strobe lights (for the hearing impaired), voice commands instead of loud beeping (which may help wake children more easily) and even light for visibility in the dark.
  • Carbon monoxide alarms: Carbon monoxide is odorless — and deadly, killing about 400 people in the U.S. each year, according to the Centers for Disease Control and Prevention. If your home has gas appliances or a wood-burning fireplace, you may be especially at risk. But, every home needs carbon monoxide detectors – on every level of your home and outside of sleeping areas.There are battery-powered and plug-in CO alarms available, and some can be linked to smoke detectors as well. Be cautious about combination smoke-and-CO alarms, however, as the detection capabilities may be limited.

Then Consider Other Types of Home Detectors

Other alarms are more about your specific living circumstances and what will make you feel most safe. There are plenty of different products available, so consider your lifestyle, your location and other factors.

  • Natural gas and propane: Natural-gas detectors typically provide an alarm for propane and CO leaks as well. They’re a good option for those with appliances powered by natural gas, or people who own RVs and trailers with large propane tanks.
  • Water: These alert you to leaks from appliances or pipes via sensors you can place around your home. Some require you to be present to hear the alarm, while others connect to a central hub that can provide alerts to your phone or other device.
  • Radon: Detectors are available that provide constant monitoring of this deadly gas. You could also start with a single-use radon test to help determine if a problem may be present.
  • Radiation: If you live near a nuclear power plant, you might want to monitor the amount of radiation in your home. Some radiation occurs naturally and poses little problem for humans. But, elevated levels can cause harm.

And, What About a Security System?

There are more options than ever for home security today. Some do-it-yourself security systems include cameras and the ability to see what’s happening at your home via your phone or other electronic device. Of course, systems installed and monitored by a separate security company are still available, as well.

Some alarms can provide benefits beyond safety, too. Installing them may qualify you for a discount on your insurance. Check with your independent agent for more details.

Have You Detected Any Gaps in Your Home Insurance?

A gap in your home insurance coverage could leave you dangerously uninsured when it comes to rebuilding your home after a fire, replacing valuable belongings after a theft or handling a lawsuit. To check for gaps on your policy, connect with us to review what coverage you have and what you may want to consider.

For coverage questions or claims assistance from the agents of Lee, Hill and Rowe, call us at 912-525-3360.

Original post by Posted by Safeco, 2016 – Portions reprinted with permission, courtesy  of  Safeco Insurance. Copyright AMY/LHR 9/2016, All rights reserved

What Does RV Insurance Cover?

Monday, April 18th, 2016

Have you ever dreamed of owning an RV? Your home away from home, your home on wheels, yourmotorhome insurance instant vacation… Having it road-ready gives you the freedom to prepare for spontaneity – just add food, family and fun. One of the most important steps for good preparedness is getting the right insurance.

What kind of insurance do you need?

That depends on the type Recreational Vehicle (RV) you have and how you will be using it. There is a wide range of motorhomes, from camper vans to bus conversions, and they’re organized by classes: Class A, B and C.

Class A
: This includes luxury coaches, converted busses and motor coaches. These vehicles can be up to 75 feet long.

rv insurance lee hill roweClass B: The smallest class of RV, excluding the cab-over style, and can include cargo van designs, travel trailers and camper vans.

Class C: Vehicles that use a standard cargo van as the driving portion of the RV where the camper portion extends over the cab area. Also covers fifth wheel vehicles.

Is an RV insurance policy the same as an automobile insurance policy?

An RV policy covers some of the same basics as an automobile insurance policy but has a lot of valuable extras. Some are automatically included and some can be purchased to customize your policy:

How they’re similar

Liability – for damage your actions cause to another person or their property while operating your vehicle.

Comprehensive coverage – for repairing or replacing your vehicle for non-collision-related incident, theft or accident.

Collision coverage – for repairing or replacing your vehicle after a collision related accident.

Uninsured/Underinsured Motorists Coverage – to help cover your damages in the event of a not-at-fault accident when the liable party has no or insufficient coverage.

How they’re different

Liability Coverage for Visitors and Others:

Full-timer Liability – Provides liability coverage similar to homeowner’s insurance when the motorhome is parked and is used as a residence. The coverage includes emergency treatment and medical expenses for others injured in or around your RV.

Campsite Liability – Similar to full-timer liability, but it’s designed for when you primarily use your RV for travel and vacations.

Total Loss Replacement – Applicable to new RV’s in the first five model years to afford protection against steep RV depreciation, in case of total loss. (This is similar to gap insurance on an automobile).

Coverage for Personal Belongings – for personal effects, clothing and other items you carry with you. Most policies come with a built in limit but increased limits are available for those who need it.

Coverage for Permanent Attachments – for the fittings your RV is outfitted with that are permanently attached whether they are factory or aftermarket.

Hitch Assembly Coverage – for alterations or special gear installed to hitch onto the tow vehicle.

Emergency Expenses – for reimbursing expenses such as lodging, meals, and travel for living outside the RV while it is being repaired as a result of a covered loss.

Is it expensive?

Insurance companies that specialize in RV insurance offer motorhome-specific policy features that standard auto insurance policies do not. The price of the coverage may also be based on the recreational use of the motorhome rather than treating it the same as auto risk because they take into account that RVs are not used with the same frequency as commuter vehicles.

Rates are determined by the state in which you register, the value of your motorhome and, in the case of full-timers, how often it’s on the road. Lee, Hill & Rowe Insurors represents multiple insurance companies and will explain the options, and help you choose a tailored RV insurance policy to match your specific needs. Call us for a free quote at 912.525.3360.


A. Yate for Lee Hill & Rowe Insurors

Copyright 2016

All Rights Reserved




Back-to-School Sports Safety

Wednesday, August 12th, 2015

This week, Savannah students went back to school, and that means many will begin training for team sports. Keeping our young athletes safe is a subject near and dear to our hearts, especially since the owner of our insurance agency, Jay Rowe, began his career as a high school sports coach. We are pleased to present this material courtesey of Safeco Insurance Company:

Back-to-School Sports Safety

Back-to-School Sports Safety

As summer turns to fall, more than 7 million young people take to their school playing fields, dreaming of athletic glory. Without some advance planning and common-sense precautions, though, those dreams can quickly sour.

More than a million injuries related to high school sports occur each year, according to the National Athletic Trainers’ Association (NATA). Here are some tips for students, parents and school staff from NATA and other experts to help ensure that your young athlete stays on the path to glory.

Prepping for the Season

  • Preseason medical exam: All student athletes should undergo an annual physical to ensure they’re fit to play, as well as alert the coaching staff to any potential medical concerns, such as asthma or diabetes. Parents should complete an authorization form providing contact information and permission for emergency medical care.
  • Nutrition: For young athletes, a healthy diet offers plenty of complex carbohydrates, moderate amounts of protein, salt, sugars and sodium, and minimal amounts of fat, saturated fat and cholesterol. Check with a nutritionist for more details.

Staying Safe on the Field

  • Who’s in charge? Ask your school who will supervise health care on the playing field, and what their credentials are. To avoid conflicts of interest, medical decisions should be made by athletic trainers, either on staff or contracted through clinics, and by consulting physicians, rather than by coaches. For their part, coaches should be credentialed for their sport, where appropriate, and have CPR, defibrillator and first-aid training.
  • Equipment: Helmets and pads should be properly fitted; gymnastic apparatus should be maintained in safe and working order. Locker rooms, gyms and showers must be kept clean and checked for germs regularly. All clothing and personal equipment should be laundered or disinfected daily.
  • Loosen up: All athletes should warm up and stretch before beginning activities, then cool down and stretch when finished. And, they should take plenty of breaks in between. Coaches and trainers should facilitate and prioritize this. If not, athletes should make it a point to warm up and cool down on their own.
  • Stay hydrated: This doesn’t have to mean pricey sports drinks. In most cases, water is just fine before, during and after a workout. Some basic guidelines for how much water to drink have been formulated, but the simplest advice is to trust your thirst.

Four Special Concerns

  1. Heat: Athletes should adapt to warm-weather activities over a week or two, slowly building up their stamina rather than training full force (and with full equipment) from the get-go.
  2. Concussion: Athletes and athletic staff must be well educated on concussion prevention and management. Athletes should speak up if they experience such symptoms as dizziness, loss of memory, light-headedness, fatigue or imbalance after a hit in the head. After suffering a concussion, no athlete should return to play or practice on that same day.
  3. Cardiac arrest: If a school has automated external defibrillators available, athletic staff should know where they are located and how to use them, and see to it that they are placed on sidelines during both practice and games.
  4. Sickle cell trait: Newborns are tested at birth for this inherited condition; those results should be shared during the preseason exam. Red blood cells can sickle during intense exertion, blocking blood vessels. Warning signs include fatigue or shortness of breath. Screening and simple precautions can help athletes with the trait continue in their chosen sport.

Here’s wishing your young athlete a great school year – both on and off the field. Go team!

Need help or advice from your friendly, hometown insurance agents? Call Lee, Hill and Rowe at 912-525-3360 for an obligation-free evaluation of your insurance needs. For more insurance news from around the country, check out our blog

Original post by Posted by Safeco July 28, 2015 – Portions reprinted with permission, courtesy  of  Safeco Insurance. Copyright AMY/LHR 8/2015 All rights reserved