Homeowners’ big decision: Flood insurance coverage

flood

When Hurricane Harvey stalled over Houston last August, it dumped more than 50 inches of rain on the city and put entire neighborhoods underwater. Texas Gov. Greg Abbott estimated the damages at $180 billion, and many residents found they are on the hook for repairs to their houses. According to an analysis by The Washington Post, only 17 percent of homeowners in the hardest hit areas have flood insurance.

“It’s one of those things where people think: I’m not susceptible to a flood,” says Fran O’Brien, division president of Chubb Personal Risk Services. They may think since they sit on a hill or are located relatively far from a coastline or a river that they won’t be affected by rising waters.

Alternatively, some people erroneously believe their homeowners insurance will pay for damage due to flooding. While some companies provide coverage for events such as sewer backups, payment for damage from rising flood waters requires a separate policy.

Risk extends past the floodplain. When it comes to who needs to buy flood insurance, the answer is easy for those who live in high-risk areas and have a mortgage. In those cases, a lender may require coverage.

For everyone else, it’s not as clear. “That’s actually a very complex question: Who’s at risk?” says Kate Stillwell, founder and CEO of Jumpstart Insurance Solutions. “The biggest misconception is that floods can only happen in a mapped zone.”

Many Houston residents have discovered the hard way that being in a low-risk area is no guarantee of avoiding flood damage. An analysis from the University of California-Davis Center for Watershed Sciences estimates 53 percent of the flooding from Hurricane Harvey occurred in areas deemed to have a minimal flood hazard.

Experts say there is no easy way to determine if a homeowner should buy flood insurance. In addition to their location in proximity to waterways, people should consider whether their basement is finished and what other resources they might have to respond to a flooding event.

O’Brien says homeowners may need to use a combination of government and private flood insurance to fully insure their property. While NFIP policies won’t pay for temporary housing or cover loss of income, those may be options with private policies. Other plans may offer only supplemental coverage. -term out-of-pocket costs.

To make sure homeowners get the right type and level of coverage, O’Brien strongly recommends working with a trusted insurance agent or broker. “It’s very, very important that you get good advice,” she says.

In addition to buying insurance, homeowners should inspect sump pumps annually and consider landscaping features that will divert water from a home. Beyond taking those precautions, the only other thing left to do is hope the next record-setting storm doesn’t hit close to home.

Source: U.S. News & World Report

Clean indoor air can help reduce asthma attacks

air cleaner

According to the U.S. Centers for Disease Control and Prevention, more than 25 million Americans, including roughly seven million children, have asthma, a number that has steadily risen in recent years.

Asthma is more than occasional wheezing or feeling out of breath during physical activity. It is a chronic condition that can lead to coughing, wheezing, shortness of breath, fast breathing, and chest tightness, states the Asthma and Allergy Foundation of America. In the 21st century, people spend significant time indoors at home, school or work, and indoor air environments could be triggers for asthma. Improving indoor air quality can help people breathe clearly. The AAFA notes that the following agents can adversely affect indoor air quality, potentially triggering asthma attacks.

Allergens

Allergens such as mold, dust mites, pet dander and fur, and waste from insects or rodents thrive in many homes. Ensuring indoor air quality is high can cut back on the amount of allergens in the air. People with asthma can invest in an air purifier and vacuum regularly, being sure to use a HEPA-equipped appliance. Routinely replacing HVAC system filters can help prevent allergens from blowing around the house. Also, frequent maintenance of HVAC systems will ensure they are operating safely and not contributing to poor indoor air quality.

Mold can be mitigated by reducing moisture in a home. Moist environments in the kitchen and bathroom may promote mold growth. Ventilation is key to keep mold at bay.

Tobacco smoke

Thirdhand smoke, or THS, may be unfamiliar to many people. A 2011 report published in Environmental Health Perspectives says THS is an invisible combination of gases and particles that can cling to clothing, cushions, carpeting, and other materials long after secondhand smoke has cleared from a room. Studies have indicated that residual nicotine levels can be found in house dust where people smoke or once smoked. Studies have indicated that smoke compounds can adsorb onto surfaces and then desorb back into air over time.

Keeping tobacco smoke out of a home can improve indoor air quality and personal health.

VOCs

Volatile organic compounds, or VOCs, are gases released from commonly used products. These can include paints and varnishes, cleaning supplies, air fresheners, new furniture, and new carpet. People with asthma may find that VOCs can trigger attacks. Airing out items, reducing usage of products that are heavily scented and choosing low- or no-VOC products can help. Making cleaning products from baking soda, vinegar and liquid oil soap also can keep indoor air quality high.

Homeowners who plan to renovate their homes can consider using the appropriate specifications for HVAC systems to promote good indoor air, as well as address any other potential problems that may be compromising indoor air quality.

Source: Metro News Service

Winter preparations: Tips for protecting your home from winter damage

Winter home2

Freezing temperatures, ice, snow and wind can cause severe damage to your home and property. If you live in an area that experiences harsh winters, here are some areas to evaluate to help protect your home:

Build-up of ice and snow on your roof

Ice dams occur when heat from a house escapes the attic and warms the roof. Snow on the roof melts and then refreezes, causing a ridge of ice to form and trap water on the roof. This water can leak into the home, causing major damage. Safeguard your roof by:

  • Thoroughly cleaning gutters in the spring and late fall. Clogged gutters may allow ice to form and back up under the roofline.
  • Making sure proper attic insulation is in place, keeping your house warm, but your attic cool – reducing snow melt on the roof.
  • Ensuring continuous ventilation of attic air, which should be only 5 to 10 degrees warmer than the outside.
  • Make sure heavy ice and snow build-up on your roof is removed. This can cause seepage or even a collapse. If snow accumulation is significant, hire a professional to “shovel” the roof.

Plumbing inside and outside

Plumbing located within exterior walls or unheated crawl spaces is most vulnerable to freezing or bursting. Protect your pipes by:

  • Making sure all interior pipes are insulated or have wall insulation around them, especially in vulnerable areas such as attics, crawl spaces and along outside walls.
  • Using weather-resistant insulation to protect exterior pipes.
  • Making sure cabinet doors under sinks are kept open during a heavy freeze to allow heat to circulate around pipes.
  • Hiring a professional to winterize the outdoor sprinkler system and remove all residual water, which can freeze and cause pipes to burst.
  • Disconnecting exterior hoses from their faucets and install frost-free hoses and hose bibs.

Fireplaces, furnaces and heating systems

Improper use or poor maintenance of heating systems can cause fire, puff-backs and smoke damage. Wood burning fireplaces and stoves are among the worst culprits when it comes to winter house fires. Follow these fire preventive measures:

  • Clean chimneys and flues on fireplaces and stoves annually.
  • Use a fire screen to control flying embers and burn only seasoned hardwood to reduce the potential for creosote buildup. Place ashes in a metal container and remove from the house immediately. Never put ashes in or near the trash.
  • Service furnaces and boilers at least once a year.
  • Keep portable space heaters at least 3 feet away from flammable objects, such as window treatments, furniture and bedding. Do not use extension cords to power the unit.

Emergency access

Severe weather could impact access to your home in the event of a fire, medical or other emergency. Take these measures before a winter storm to ensure fast and easy access:

  • Make sure your house number is clearly marked in a conspicuous area at the front of the home.
  • Contract a snow removal service that guarantees removing the snow from your driveway after every six inches of accumulation.
  • Place a large marker near a fire hydrant. Clear away surrounding snow.

Source: Chubb Insurance

How to communicate with loved ones after a disaster

Mobile electronic devices charging batteries.

After a disaster, it can often be difficult to communicate with loved ones. Hurricanes, tornadoes and other emergencies may cause power outages or overwhelm cellular services, sometimes making normal lines of communication nearly impossible.

Here are some tips to help communicate with your family in an emergency:

Before a disaster strikes

The Federal Communications Commission (FCC) offers suggestions on how to prepare to communicate before a disaster even strikes:

Keep a non-cordless phone at home

If you have a traditional landline at home — one that isn’t Internet-based — make sure you have at least one corded phone connected. If there’s a power outage, your cordless model, which requires electricity, may not work.

Keep car chargers handy

Get in the habit of keeping your cellphone and laptop fully charged and have a car charger available in the event of a power outage. Consider buying additional batteries and solar or hand-powered chargers for your devices.

Create a communication plan

Because you and your loved ones may be separated when disaster strikes, make sure to develop a communication plan that’s specific to your family. The website www.ready.gov recommends choosing an emergency meeting place that’s in your neighborhood, and one that’s out of your neighborhood. Your plan should also detail how you will contact each other. For instance, designate an out-of-town contact for everyone to notify that they’re safe, or set an “on air” time where you’ll each power up your phones and call or text with your status.

During and after a disaster

There are also some steps you can take to improve the likelihood of communicating successfully with loves ones during a disaster and its immediate aftermath:

Text and use social media

Cell service can become congested during an emergency. Instead, try text messaging or emailing, which, the FCC says, are services that are less likely to experience network congestion. Also, consider posting your status on social media or registering on the American Red Cross’ Safe and Well website, so that loved ones who may be searching for you know that you’re OK.

Forward your home phone

If you have a landline and call-forwarding at home, the FCC suggests forwarding your home phone number to your cellphone if you’ll be away, or if conditions warrant an evacuation.

Conserve your phone’s battery life

You can extend the life of your cellphone battery charge by reducing the brightness of your screen, turning off Wi-Fi, closing apps that aren’t critical and putting your phone in airplane mode.

Additionally, if you’re able to make a call, consider updating your voicemail message so that, even if inbound calls go to voicemail, you’re able to offer loved ones an update on your well-being.

Source: Allstate Insurance

Follow these tips for a safe Halloween

halloween kids

Halloween may be a night of fun and fright, but it does require extra caution when it comes to keeping your little monsters safe. According to Safe Kids Worldwide, “on average, twice as many child pedestrians are killed while walking on Halloween compared to any other day of the year, and more than 70 percent of accidents occur away from an intersection or crosswalk.”

Follow these Halloween safety tips to help avoid common accidents and dangers.

Trick-or-treating safety tips

1. Provide adult supervision
Trick or treat can be safer – not to mention more fun – when done in groups, and adult supervision is essential. Get together with other adults and make an evening of it. Bring cellphones for quick pictures and emergencies but leave them in your pockets to avoid getting distracted.

2. Stay on the sidewalks
The thrill of the holiday often factors into accidents as excited kids rush from door to door. Keep children on the sidewalks, and shepherd them carefully when they need to cross the road. In areas without sidewalks, walk on the far edge of the road, facing traffic.

3. Carefully check candy
Check candy for choking hazards like gum and hard candies. Throw away any candy that is not sealed with a wrapper and avoid homemade treats received from strangers.

Costume safety tips

4. Choose bright, visible costumes
When selecting a costume, opt for the bright-colored outfits and add a touch of reflective tape to the material. Stick some reflective tape on their trick-or-treat bags as well so they can be easily spotted by motorists. Lastly, don’t forget to make sure they’re equipped with a flashlight or glow stick – must-have accessories for any costume.

5. Make sure costumes are well-fitted and safe
Being visible isn’t the only safety consideration for a costume. The right fit is just as important. Here’s some advice on keeping your child’s ensemble safe and secure:
Prevent accidental tripping or entanglement by making sure costumes aren’t too big or long enough to drag on the ground. Avoid masks that block vision. If your child wears one – it should have large eye, nose and mouth openings. You can also opt for makeup or face paint as an alternative. Choose costumes, wigs and accessories that indicate they are flame resistant.Make sure accessories such as swords, canes, or sticks are not sharp or too long

6. Makeup safety
If makeup is a part of your child’s Halloween costume plans, make sure it is non-toxic and test it on a small area first. Before your child goes to bed, make sure to remove all makeup.

Home safety tips

7. Jack-o-lantern safety
Young children can paint or color their pumpkins instead of carving. Or have them draw a face with markers and an adult can do the carving. Use colorful glow sticks inside your Jack-o-lanterns instead of candles to prevent burns.

8. Home decoration safety
If you’re turning your home into a haunted house, keep safety in mind: make sure steps, sidewalks, porches and paths are well-lit and free of decorations and holiday props. Keep decorations away from fireplaces and candles.

Source: Nationwide Insurance

Concern rising over phony security alarm sales

home salesHome security systems are supposed to protect you from criminals, but rogue alarm companies and dishonest sales people have figured out ways to rip off people who already have a system or who want to buy one.

“Complaints about home alarm sales are now an area of particular concern,” according to the 2017 Consumer Complaint Survey Report released in July. This annual report from the Consumer Federation of America (CFA) is based on surveys of state and local consumer protection agencies.

The problems reported by disgruntled homeowners ranged from misleading sales claims and scare tactics to outright fraud.

“We’re concerned about these alarm sales abuses because it’s very easy to rope people into these deals,” said Susan Grant, CFA director of consumer protection and privacy. “Many of the consumers involved are elderly or disabled and don’t really understand what’s going on.”

DECEPTION 1: SCARE TACTICS

Fear sells security alarms, so scammers and unscrupulous alarm companies often use alarming crime statistics — that may not be true — as part of their sales pitch. Their mailers are designed to mislead or confuse, often made to look like they’re from your mortgage lender or local government agencies.

Hundreds of new homebuyers in and around Cleveland received a “Community Awareness Bulletin” last year that appeared to be from Cuyahoga County. The bogus letter, complete with the official county logo, warned about home break-ins and home invasions in the area because of the “opioid crisis” and offered a “free home security package.”

The letter was not from the county; it was from an alarm company that was trying to sign-up new customers.

DECEPTION 2: LIES, LIES AND MORE LIES

Don’t think you’re safe, just because you already have an alarm system.

Door-to-door con artists will try to convince you that they represent (or are working with) your current alarm company to “upgrade” your system. Sometimes, they claim your monitoring service has gone out of business and they have acquired their customers.

Fall for the pitch, and you’ll wind up being double-billed — by your “old” alarm company and the “new” one.

But how do the fraudsters know which alarm company you have? They look for the alarm company sign in your yard or the sticker in your window.

DECEPTION 3: JUST SIGN HERE

It’s not uncommon for door-to-door salespeople to show the customer an electronic contract on their computer and have them agree to it by providing a digital signature. This can result in serious problems.

You can’t properly review a contact on the small screen of a hand-held device. Get a physical copy of that contract, so you can read it and make sure it’s correct.

CONSUMER CONFUSION: AUTOMATIC RENEWAL

If you buy a security alarm system, you may be required to sign up for monthly monitoring for a year or more. Typically, there’s a penalty for early cancellation.

Many alarm contracts have an “auto-renewal” clause that can trap you into a long-term monitoring commitment without your follow-up consent. If you don’t decline to renew at the end of the term, often in writing weeks before the contract period ends, that agreement is automatically renewed for another term.

THE BOTTOM LINE

Door-to-door sales are always risky because the salesperson is in your home. Don’t let anyone rush you or pressure you into buying something you don’t want. High-pressure sales tactics often indicate a scam. If you feel pressured, there’s no need to be polite — tell the person to leave. Your current alarm company will never show up unannounced to “upgrade” your equipment or switch service.

Source: NBC News

New apartment? Do the ‘walk-through’ the right way

Thoughtful woman at an empty apartment thinking about how to decorate it - real estate concepts

You’ve found a great apartment in your price range and are ready to move in. But before you pack your bags and boxes and load up the moving truck, you’ll want to do an apartment walk-through. Essentially, it’s like running through a home safety checklist; you walk through the apartment with your landlord or rental agent and determine if there are any issues that need fixing before you move in.

This is one of the most important steps in the moving process. An apartment walk-through may ensure that you avoid any fees for damages (that you didn’t cause) when you move out; if it isn’t initiated for you, make sure to request one.

Come prepared

The first step to a successful walkthrough is to make sure you come prepared. Bring a camera to take pictures of any problematic areas, and make sure you have a notepad and pen handy to take notes. Also, bring a tape measure and size up the doorways to ensure your furniture will fit through them.

General checks

Check for any signs of an insect or rodent infestation, such as droppings or chew marks.

Make sure home phone or cable jacks are available (if you’ll be using them) and that they are functioning and accessible.

Safety checks

Make sure proper fire safety equipment is installed: Check to see that smoke and carbon monoxide detectors are working and in the appropriate areas and ensure that fire extinguishers are in place.

Find the fire escape plan (if your apartment is in a complex) and make sure you know where to go in the event of a fire or other emergency.

Check all windows and doors to make sure they open and close properly.

Try all locks and doorknobs to ensure they are secure and not wobbly. If there is more than one type of lock, ask to receive a key for each lock.

Bathroom checks

Flush every toilet to make sure the plumbing works properly. Look inside the tank to make sure the handle is sturdy, so you know it’s not going to snap.

Check for leaks under the sink by running every faucet. Look under the sink to make sure there are no drips, water discolorations or odors. Fill up the sinks to make sure they hold water and drain properly.

Make sure the shower head works and isn’t spraying water all over the place.

Kitchen checks

Turn on each appliance (microwave, dishwasher, garbage disposal, etc.) and make sure it works properly.

Turn on all the burners on the stove to make sure they light up. Open and close the oven door and look for all the racks in the oven. Check the broiler and make sure it works.

Open and close the refrigerator doors and pull out every drawer. Check any musty smells. If there is an icemaker, check to see if it works. Make sure the refrigerator is chilly and the freezer is cold.

Examine the linoleum or tile for any scrapes, scuffs and cuts, and check the counter tops for any stains, burn marks or chips.

Open and close all the cupboard doors and drawers. Check for chips and dings.

Bedroom and living area checks

Flip every light switch on and off.

Test the air conditioner on both the hot and cold settings. Listen for any strange sounds and be aware of any weird smells, which could be a sign that the filter needs to be changed.

Look for cracks and dents in the walls and baseboards, which could be an indicator of structural damage.

Check for any aesthetic details, like stains on the carpet, chipped paint, peeling wallpaper, nail holes in the wall.

Once you and your landlord have completed the apartment walk-through, clarify the terms of the security deposit, schedule any repairs, and make sure to sign a document detailing the agreed-upon condition of the property.

Source: Allstate Insurance

Tips for closing that summertime cottage

cottage

If you own a cottage or summer home, September is bitter sweet. For many, this is the time of year when you decide to close the property for the season.

While it can be a sad time of year for those who love the summer heat and everything summer has to offer, it’s important to cherish all the fond memories and to think about how to close your summer home or cottage safely.

The list below offers things to consider when shutting down your vacation home for the winter.

1. Inspect your property – Take a walk around the inside and outside of your property to see if anything has been damaged. Create a checklist based of what you find and decide if it’s something that should be fixed now or when you open your home next spring.

2. Turn off the water – Turn off the water at the main supply point to prevent freezing pipes. Even if you keep your home heated during the winter, this is important in case your furnace fails or the power goes out.

3. Open your faucets and drain all water lines, including your appliances – Even if you turn off the water at the main supply into the home, it’s also important to drain the excess water from the water lines that run to your appliances, sinks, and toilets.

4. Temperature monitoring system – If you heat your home during the winter, consider purchasing a temperature-monitoring system.

5. Water flow monitoring systems – If you choose to leave your water on during the winter, consider purchasing a water flow monitoring system. A water flow monitoring system is attached to your water main and protects your entire house.

6. Empty and clean your appliances
• Refrigerator/freezer – Remove all food and wipe them down with a disinfectant that kills bacteria. After you’ve cleaned it, consider leaving your refrigerator/freezer doors slightly ajar to prevent mold and mildew growth.
• Oven – Like your refrigerator, wipe it down with a disinfectant that kills bacteria and unplug it or turn off the gas.
• Washing machine/dryer – Disconnect the hoses and unplug them. If you want to disinfect your washing machine, consider running a normal cycle with vinegar or whatever cleanser your manufacturer recommends.
• Water heater – Drain your water heater and turn off the gas or switch it to vacation mode.

7. Unplug your appliances and electronics – This tip will protect your appliances and electronics from power surges and lightning strikes.

8. Create a home inventory for your summer home – If you don’t have a summer home inventory, consider creating one. If your summer home was destroyed in a fire or by an early spring tornado, would you remember every possession you had in it?

9. Take your valuables home or consider a security system. Vacated summer homes can become easy targets for thieves during the winter months. If you prefer to leave valuables in the home, consider installing a security system.

10. Inspect your fireplace – If you have a wood burning fireplace that you’ve used for years without cleaning, consider having it inspected and cleaned by a reputable chimney sweep.

11. Partner with your neighbors or local police – If you have neighbors or friends who live near your summer home all year round, consider asking them to check on your home periodically. Also leave contact information with your neighbors or local police. Contact information should include your cell phone number, home phone number, and your e-mail address.

Source: West Bend Insurance

Safety tips for your ‘back-to-schoolers’

back to schoolWhen parents talk about school safety these days, they’re usually referring to the surge in violence at schools. But research shows school-age children are nine times more likely to sustain an unintentional injury—whether on the playground or in school—than to be the victim of violence while at school.

In fact, an estimated 2.2 million children ages 14 and under are injured in school-related accidents each year, according to the National SAFE KIDS Campaign.

Accidents can be prevented if parents are on the lookout for potential hazards. To help you keep your kids free from harm, here are some safety tips from SAFE KIDS, the Consumer Product Safety Commission, and the American Academy of Pediatrics.

Plan a walking route to school or the bus stop. Choose the most direct way with the fewest street crossings and, if possible, with intersections that have crossing guards.

Walk the route with your children beforehand. Advise them to stay away from parks, vacant lots, fields and other places where there aren’t many people around.

Teach your child never to talk to strangers or accept rides or gifts from strangers. Remember, a stranger is anyone you or your children don’t know well or don’t trust.

Be sure your child walks to and from school with a sibling, friend, or neighbor.

Teach your kids — whether walking, biking, or riding the bus to school — to obey all traffic signals, signs and traffic officers. Remind them to be extra careful in bad weather.

If your child bikes to school, make sure he wears a helmet that meets one of the safety standards (U.S. CPSC, Snell, ANSI, ASTM, or Canadian). Research indicates that a helmet can reduce the risk of head injury by up to 85 percent.

If your child rides a scooter to school, make sure they wear sturdy shoes, a helmet, kneepads and elbow pads. Children under age 12 should not ride motorized scooters, according to recent recommendations from the Consumer Product Safety Commission.

Teach children to arrive at the bus stop early, stay out of the street, wait for the bus to come to a complete stop before approaching the street, watch for cars and avoid the driver’s blind spot.

Always remind your children to stay seated and keep their heads and arms inside the bus while riding. When exiting the bus, children should wait until the bus comes to a complete stop, exit from the front using the handrail to avoid falls and cross the street at least 10 feet (or 10 giant steps) in front of the bus.

Tell your child not to bend down in front of the bus to tie shoes or pick up objects, as the driver may not see him before starting to move.

Be sure that your child knows his or her home phone number and address, your work number, the number of another trusted adult and how to call 911 for emergencies.

Source: Reader’s Digest

Born to be safe: Choosing the right motorcycle gear

Left gloved hand on motorcycle handle bar.

Before you take your motorcycle on the road, it’s important to consider what gear may help you stay safe and comfortable during your ride.

Protective gear serves two purposes: protection and comfort, according to the Motorcycle Safety Foundation (MSF). Here are some things to consider when choosing the appropriate gear for your ride.

Make safety a priority

Properly fitting protective gear is designed to help reduce injuries in the event of an accident and keep you safe in different driving conditions. Here’s a look at motorcycle gear that can help protect you from head to toe.

Head: Choose a helmet that meets the Department of Transportation’s standards, the National Highway and Transportation Safety Administration says. The standards are based on criteria the helmet needs to meet to help protect your head in the event of an accident.

Hands and feet: Look for boots that go over your ankle and feature oil-resistant, rubber-based composite soles, says the MSF. For your hands, consider full-fingered motorcycle gloves that fit properly. They may help improve your grip on the handlebars and protect your hands from the elements or from injury in a crash.

Torso and arms: The MSF suggests riders wear abrasion-resistant fabrics or leather to help protect against injury. Riding jackets typically run longer in the sleeves and wider across the shoulders to account for the riding position and should fit comfortably.

Legs: A rider’s legs should be covered and protected in a similar way to the upper body. Look for abrasion-resistant materials that are also wind-resistant, waterproof or have reflective areas to help make you more visible on the road, the MSF suggests.

Dress for the weather

The weather may play a role in what gear you choose for your ride. Consider these tips to stay both comfortable and safe in all sorts of weather.

Hot temperatures: Wear at least one layer to help keep moisture in and your body cooler, and consider adding a jacket for additional protection. Look for apparel with mesh panels to help your skin breathe.

Rain: If you must ride through the rain, choose gear that is breathable and store additional layers in your backpack or saddlebags, suggests Cycle World. The MSF says a yellow or orange rain suit is a good option for comfort and visibility on the road.

Cold temperatures: On the coldest days, it’s important to dress in warm gear. MSF suggests wearing an insulated winter riding suit or choosing multiple layers, with thermal underwear closest to your skin and a windproof layer on the outside. Insulated gloves and boots may help keep your hands and feet warm, too.

Proper motorcycle safety gear can help provide a buffer between you and the environment in which you ride. By planning your attire in advance, you can ride knowing that you’ve taken important precautions for your safety and comfort.

Source: Allstate Insurance

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