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10 months ago · by · 0 comments

Carbon Monoxide Safety During the Winter

Winter is among us. During these cold months we tend to utilize our heat a lot more than other months. Because of this, we urge everyone to be cautious and remember to maintain their carbon monoxide alarm.


Utah Poison Control Center reports that “Carbon monoxide (CO) poisoning is responsible for more than 50,000 emergency department visits1 resulting in more than 400 deaths according to the Centers for Disease Control and Prevention.”

What’s even worse is that Americans aged 65 and older are the most susceptible to CO poisoning.


In order to avoid these tragedies, we must educate ourselves on the different ways we can prevent and recognize Carbon Monoxide.


Prevention Tips


  • Ensure your heating system, water heater, and any other appliances are well maintained and serviced each year by a technician.
  • Remember to avoid having any running cars/trucks running in your garage that’s attached to your home, even if you leave the door open!
  • Do NOT heat your home utilizing a gas oven
  • If your CO monitor consistently makes noises, move to fresh air and call 911 immediately! If the alarms’ chirping is only intermittent, simply change the batteries.
  • Keep generators at least 50 feet from your home
  • If heavy snowfall occurs, ensure you check for blockage around fresh-air intake, vents, exhaust stacks, and vents
  • Ensure each level of your home has a CO monitor installed
  • Do not utilize a charcoal or gasoline burning device in your home




Symptoms of CO Poisoning


Anyone can experience CO poisoning. However, infants, unborn babies, and elderly individuals are especially at risk. If you notice any of these symptoms, get to fresh air and then seek medical attention immediately.


Symptoms can include, but not limited to:

  • Nausea
  • Vomiting
  • Fatigue
  • Headaches that are severe and persistent (Usually affects more than 1 individual in the house)
  • Dizziness (Usually affects more than 1 individual in the house)


If you or multiple people in your household experience these symptoms, seek medical attention immediately after moving to fresh air. You can also call the poison control center at 1-800-222- 1222. We want you to be safe this winter when warming your home. The safety of you and your loved ones are crucial to us.

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1 year ago · by · 0 comments

The Downside of Buying Insurance Online: Why You Need an Independent Agent

Buying insurance is simple now days. You can literally open your browser on your phone or desktop and shop insurance policies and receive multiple quotes in a matter of minutes.

What’s the first thing that individuals do whenever they buy a car? They go online and request quotes from popular insurance providers before they drive off the lot. Whichever policy is more economical and provides sufficient coverage, they’re usually happy with that choice.

The only issue with this process is that you’re missing out on better prices and coverage by limiting yourself to online insurance instead of sitting down with an independent agent.


Why Independent Agents Offer More Flexibility


All Your Needs Will Be Handled


Having an agency that’s a one stop shop is more convenient. Many shoppers purchase insurance from one agency, while purchasing a different policy from another due to costs. With an independent agent, we shop for policies by going through various providers. By doing this, you only have one point of contact whenever you want to discuss your policies.


We Care About Your Finances


Independent agents run through various providers and ensure you receive quality coverage for a price that takes your budget into account. Big agencies offer discounts; however, those discounts are not as enticing as they could be if you considered other providers. Independent agents ensure you receive as many applicable discounts as possible.


Sense of Family


When you purchase insurance with an agency, you’re another client in their books. When going with an independent agency, you’re able to build a relationship with your agent, who will come to know you by name and ensure you’re always taken care of. If any red flags or concerns come about, they’re able to personally reach out to you!


Online insurance isn’t a bad idea. It’s very convenient and fast. However, it doesn’t consider your budget and ensure you’re getting the best price for your sought-out coverage.


Interested in getting a quote from an independent agent who puts your needs first? Contact us at 217-345-7063 at your earliest convenience. Or, if you prefer to schedule an appointment online, contact us on our online form!

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1 year ago · by · 0 comments

Vacation Home Rental Tips

Thinking about renting a vacation home sometime soon for the family? Vacations are awesome! There is nothing better than enjoying family time in the comforts of an attractive vacation home for a few days. Of course, caution should always be taken when choosing a rental property. There are a few things we want you to consider before finalizing your payment and moving on with a vacation home rental.


Read the entire contract

We’re sure you heard the saying, “read the fine print.” As cliché as it has become, it couldn’t be further from a lie. Rental agreements should be taken very seriously. You’re renting something that belongs to someone else. You’re on the hook for any expenses that occur during your stay there. The contract should outline any charges that can occur due to leaving a mess, breaking personal property, high utility usage, and more.


Take Day 1 Photos/Videos

Have you ever rented a car and was required to do an initial check for damages before driving off the lot? The same procedure is required when renting a vacation home. You need to ensure photos are taken before getting started with your vacation. If not, you may have to cough up some serious money for incidentals.


Get a number for emergencies

What if something breaks down while you’re renting your vacation home? You need an emergency number to contact in these cases. Many families rent homes from individuals and forget to ask for a number that they can call 24/7 in case of emergency. What if the power goes out overnight? Something breaks? Furnace goes down? You need the owner to be accessible for these situations.


Ask for their insurance

The property owner should an insurance policy that covers any damages/injuries that may occur during your stay. If this isn’t the case, this is a huge red flag. They should also have property damage coverage in case of fires or other loss that isn’t caused by you.



With concealed carry being a popular topic in society today, you should always ask if there are any rules and restrictions on bringing weapons on the property. Better yet, you need to know if the owner themselves has weapons on the property. Why does this matter? Knowing if there’s weapons or not can prevent a tragic situation. The last situation you want to be in is having your children or loved ones getting a hold of a weapon unknowingly. This can be dangerous.


Call Your Agent

We mentioned the property owner should have liability and property damage coverage earlier on. However, you should have coverage as well. You can always get a short-term renters insurance policy. This will save you money just in case your family damages anything of the property owners.


Renting vacation homes should be an enjoyable experience. Therefore, we want to make sure you cross your T’s and dot your I’s before going all in on one! Contact us today to learn more about coverage’s we offer specifically for rental homes.

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1 year ago · by · 0 comments

Protecting Your Home While on Vacation

A vacation is a perfect time to spend time with loved ones while creating distance from life’s troubles. A break-in does the opposite. Along with rushing home to figure out what’s missing, feelings of regret will consume the mind. While it’s difficult to prevent a break-in from occurring, do your part in preventing a break-in by following these strategies.


Keep the Home Secure

A home security system protects the house on vacation, but only when the system is on. Along with activating the security system, lock access points. Lock entry doors, garage doors, doors leading to the garage, patio doors, first story windows, and second story windows. Use deadbolts, padlocks, window locks, and door security bars for extra security. Disable automatic functions on the garage door. Don’t forget to seal pet slots and mail slots on entry doors. Lock jewelry, financial information, ID, social security card, and electronics in a safe or unusual hiding space. Never leave money around. Conversely, turn off sprinkler systems, clean storm drains, close curtains/blinds, and change the smoke detector batteries.


Adjust the Thermostat

Why cool or heat a home that’s vacant? It’s pointless. However, the thermostat must be on so the house pipes don’t freeze in the winter or become stuffy in the summer. Set the thermostat four degrees above or below the normal temperature so the house is comfortable upon return.


Maintain Home Occupancy

Burglars immediately notice vacancy when daily routines suddenly stop. To keep burglars at bay, the routines must continue while on vacation. Halt mail delivery and/or have a friend pick up the mail. The same friend can park his/her car in the driveway, water plants, and take the trashcan to the curb weekly. Hire professionals to continue lawn and snow maintenance while away. Keep lights, radios, and televisions on OR set a timer to turn it on at various times of the day.


Don’t Give an Inch

If a burglar ruins a vacation, do everything humanly possible to make the burglar’s job difficult. Besides locking doors and windows securely, don’t leave curtains open because a burglar can view valuables. Never leave ladders on the lawn or spare keys under the mat. The burglar will use these items to enter and exit the home with ease. Don’t leave items on the lawn as these items can shatter windows or pick-lock doors.


Avoid Social Media

It’s exciting to share vacation photos on social media while on vacation, but don’t do it. By default, all profiles are public, and not everyone who is viewing the photos online has good intentions. Consequently, burglars view it as an opportunity to steal valuables from the home. Share those photos online when you return. Additionally, change sharing settings to private or Friends only, never disclose the vacation dates, and delete past posts containing an address or phone number. Disable the GPS on social media accounts too. Besides social media, never vocalize your vacation plans in the email, on voicemail, and on the answering machine.


We want you to be able to enjoy your vacation without worrying about the safety of your home. It’s not fair that you have to worry about these things, but life can be unpredictable. Be sure to follow these steps to  ensure your vacation goes well!

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2 years ago · by · 0 comments

Spring Gutter Cleaning & Repair

Gutter cleaning may not be your favorite task on your post-winter to-do list. However, it’s a small task that can prevent costly problems. This should be during the spring and fall months. The last thing you want are downspouts clogged with leaves, which can lead to water damage to your food. Once the water starts pouring over the gutters, it can end up in the basement or crawlspace.


Safety First

Never attempt to clean gutters while standing on top of the roof! This approach is extremely dangerous. Instead, utilize a ladder that is firmly placed on even ground. To keep the process organized, utilize one bucket for gutter debris and another for the tools needed for cleaning.


Let’s get to the cleaning

  1. Always wear long sleeves…you don’t want to scratch or cut yourself when cleaning them
  2. Utilize a small plastic scoop to remove the gunk. You can find one of these at a local hardware store.
  3. Utilize a plastic tarp. This is to avoid throwing the debris onto your lawn.
  4. Flush your downspouts with a water hose after clearing the muck. After flushing the downspouts, your visibility should be better to spot any leaks. Once spotted, immediately act to fix them to avoid water damage.



Not a fan of cleaning gutters? That’s fine! You can always hire a professional to do the job for you. The price will depend on the size and height of your home.


Slow Down Clogging

Prevention helps! Your gutters will become clogged. It’s inevitable. That doesn’t mean you can’t slow down the process. You can purchase gutter covers in the form of clip-on grates or mesh screens. This can be a little pricey, with $6-$8/running foot being the average for these covers. They also require a regular maintenance to keep them clear.


We hope these tips help you clear your gutters for the spring.  This process should be done before the spring, during the spring, and during the fall as well. Want to learn more about spring cleaning? Take a look at our blog that discusses more than just cleaning gutters!

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2 years ago · by · 0 comments

Keeping Dogs Warm During the Winter

Our furry friends are our best friends! I think everyone can agree with this statement. Dog walks during the spring, summer, and fall months are amazing and keeps our little friends active and playful. But, what about winter months? During the winter months, we’re more skeptical about giving walks during freezing temperatures which force us to lessen our walks.


You can’t avoid dog walks so you bundle up and make it happen. You’re protected from the cold weather, but, is your dog protected? Ensuring your dog is warm and safe during the winter time is crucial. Here are some tips on how to make that happen.


Tips for Dog Safety

Don’t leave your dog in the car

It’s common to see dogs hanging out in the car while their owner is grocery shopping or making a quick stop before they head home. You may have done it before as well while running errands. You may have even done this during the hot months. Both are BAD ideas! Your vehicle immediately cools down once the car is turned off. Do not leave your pups in their while running small errands…. even if the errand will take a few minutes. You don’t want to take a chance.

Keep your pup on a leash

Seems obvious, right? Believe it or not, this rule is not followed by dog owners as much as it should be. Imagine taking your dog for a walk and they are not on their leash. There’s also inches of snow and let’s say your dog is white. Dogs are more likely to get lost in the winter months because they lose their sense of smell in the snow. This makes it difficult for them to find their way back to you. How easy do you think it will be to find them? Not easy at all! Keep them on a leash in the winter months.

Clean off all snow

After taking your little one on a walk, ensure that you clean them off when returning home. You should never leave salt, antifreeze, snow, or any other dangerous chemicals on them.

Avoid overly shaving

We love seeing our dogs trimmed and adorable looking! However, removing most of their fur during the winter months isn’t recommended. The more fur…..the better!

Purchase warm clothing

Dogs may not be too fond of clothing or booties on them. They may even attempt to take clothing off (which is funny to watch). However, you want a covering to keep them warm and dry, especially on their feet. Booties can prevent cracked paws from salt. This can be extremely dangerous for dogs!

Give walks during the daytime

Simple tip but it’s not followed as often as it should be. We have seen many individuals who give their pups a walk in the late evening or nighttime. The same time temperatures drastically drop! This is not a good idea. It’s best to give your pup a walk during the daytime when it’s not as cold.


We love our furry friends and we want nothing but the best for them. Keeping them warm and safe during the freezing temperatures should be your biggest priority during the winter months.

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2 years ago · by · 0 comments

Importance of Umbrella Insurance

Business owner? Freelancer? Own rental properties? Have teenage drivers? You’re one of the many people who could use Umbrella Insurance. Unfortunately, we live in a society where many people are prone to sue for financial gain over the most trivial things. Because of this, you should always be prepared for this type of thing.

Umbrella insurance can add an additional $1 million and up to your existing coverage’s. Not bad, right?

Millionaires aren’t the only people who need umbrella insurance, contrary to popular belief of course. You’re always at risk if you fall into any one of these categories:


  • Entrepreneur/Freelancer
  • Have a teenage driver
  • Own a firearm
  • Entertain guests in your residence
  • Own recreational sports vehicles
  • Utilize social media
  • Own a home
  • Have children parties or sleepovers at your home
  • Own pets
  • If you breathe (just joking…kind of)


The more of the above-mentioned things that apply to your life, the most at risk you are. Basically, if you’re alive, you’re at risk. This is the sad and harsh reality.

It’s also very important to remember that auto insurance and homeowner’s insurance doesn’t cover every single liability there is, as you would expect it to. There are limits to these policies that you need to be aware of. You can do this by having an in depth conversation with your insurance agent.


Having this additional coverage guarantees that you’re ready for any unnecessary lawsuit that comes your way in the future. Having a peace of mind shouldn’t cost you an arm and a leg, as umbrella insurance isn’t as costly as you would assume for a good coverage.


Feel free to give us a call at 217-345-7063 and speak with an agent on purchasing Umbrella  Insurance.

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2 years ago · by · 0 comments

Ladder Safety Tips for Christmas Decorating

Millions of Americans every year decorate their homes for the Christmas holiday. Some outsource and pay companies to do it, while others enjoy doing it themselves. Who doesn’t enjoy showing off their beautifully decorated home and receiving compliments from passerbys. However, while getting caught up in the Christmas spirit isn’t necessarily a bad thing, it can become dangerous when you’re not thinking about your safety.

The U.S. Consumer Product Safety Commission (CPSC) estimates that emergency rooms treat around 14,700 decorating injuries during the holiday season—an average of 240 injuries per day. Most holiday home decorating incidents involved:

  • Falls (41%)
  • Lacerations (10%)
  • Back strains (5%)

Unfortunately, an injury is the least of your problems in this scenario. While there hasn’t been many, there have been a few deaths reported as well.

Have help

This couldn’t be any simpler. Having someone to assist you in decorating the outside of your home can reduce your risk of accidents. The other person can hold your ladder while you’re climbing and make you aware of any potential hazards they may notice. Of course, if something were to happen, you have someone there who can call for help immediately.

Watch your set up

As a general rule, ladders should never be placed in front of an opening door. Also, you should always set your ladder on a solid foundation, preferably not in the grass. Setting up a ladder on an unstable surface, or on top of an object to gain a little height, is ALWAYS a bad idea that should be avoided at all costs.

Don’t decorate in bad conditions

Planning to decorate the outside of your home while there’s a  snowstorm or rain is a bad idea. This can lead to a number of injuries and unforeseen accidents. The last thing you need is a slippery ladder thanks to rain, or getting knocked off balance by high winds. Plan accordingly.

Watch your step (literally)

Be very attentive when stepping up your ladder. You can do so by:

  • Using slip-resistant footwear
  • Avoid pulling, leaning or making any other sudden movements on the ladder
  • Keep yourself centered at all times
  • Utilize the “3-point contact” rule when using a leader. This means two hands and one foot, or 2 feet and 1 hand should always be in contact with the ladder.

Avoid being under the influence

It’s not unreasonable to expect some individuals to be under the influence when decorating the outside of their home. It’s the holiday season and you may drink a small cup of eggnog or wine. That’s fine and all, but make sure you’re not engaging in those activities before you begin decorating the outside of your house. Alcohol and ladders are a bad combination.

Utilize an appropriate ladder

Utilizing the right ladder is just as important. A good rule is to ensure the ladder is able to extend beyond your roofline, approximately 3 feet above. Of course, the ladder should also be able to hold your weight. If you have a single, extension, or straight ladder, it should be propped up at a 75-degree angle for the best results.

We care about the safety of our readers and will continue to write about best practices when doing anything potentially dangerous. Make sure to check out our recent blog on Christmas decoration safety, since that goes hand in hand with ladder safety while decorating.

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2 years ago · by · 0 comments

6 Christmas Lighting Tips You Need to Know

Christmas time is the happiest time of year where you exchange gifts with loved ones. One part of the Christmas holiday that people love most is seeing the beautiful homes in their neighborhood decorated with Christmas lights. These decorations add to the Christmas spirit! However, those beautiful decorations can cause a lot of trouble and misfortune if you’re not careful.

The National Fire Protection Association stated, “ departments responded to an estimated average of 800 home structure fires per year that began with decorations, excluding Christmas trees, in 2012-2016. These fires caused an annual average of two civilian fire deaths, 34 civilian fire injuries and $11 million in direct property damage.” Again, these numbers do not include Christmas trees.

Here are 9 tips to ensure that you and your family are safe around Christmas decorations.

Don’t leave your lights unattended

It doesn’t matter if you’re driving down the street to the local food market or gas station; never leave your home with your Christmas lights on. This may seem tedious, always having to make sure your lights are turned off when you leave. However, you can use light timers and other remote controls that turn off your indoor and outdoor lights. You can even use an automated timer if you’re a forgetful individual.

Outdoor/Indoor Lights are not interchangeable

There may not be an obvious difference for most people when it comes to indoor and outdoor lights. However, outdoor lights are sealed against moisture, while indoor lights aren’t. Be sure to check labels when buying lights to see which category they may fall under.

Consider an artificial Christmas tree over a real tree

Christmas trees are the leading cause of house fires during the holidays. Real Christmas trees are beautiful and all, but being that they are dried out, they’re extremely flammable. A recent National Fire Protection Agency report shows that most house fires caused by Christmas trees are caused by natural trees sadly. Now, artificial trees cause fires as well, just not as much as natural trees. One thing to look for in artificial trees is whether or not they come with lights already on them. If so, be very careful and make sure it’s fire resistant if possible.

Ensure outdoor light strings are fastened

High winds and storms during the winter can cause Christmas lights to go flying! Ensure that you decorations are tied to trees, walls, or whatever you prefer to keep them from flying everywhere. This can cause electrical hazards and can lead to accidental fires.

Be Mindful of Extension Cords

Extension cords are often used for outdoor lights. However, placing extension cords outside on the ground where they can become surrounded by rain or melted snow is a bad idea. Keep your extension cords as dry as possible and utilize surge protectors to minimize damage.

Throw Away Old Lights

It’s easy to continue to use old Christmas lights for years upon years. The more modern lights made now days are safer since they are made to help prevent fires. Old Christmas lights can cause major damage. Your best bet is to simply throw them away and spend a few dollars on new lights. Besides, I would rather spend $20 on new Christmas lights than pay for damages caused to my home by a fire.

Christmas is the most wonderful time of the year….and we want to keep it that way! The last things we need are tragedies and misfortunes that could have been avoided. Be sure to read our most recent blog on ladder safety when it comes to putting up those Christmas decorations.

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2 years ago · by · 0 comments

Prevent Injury in Kids Sports

Do you have children who play sports? Do you play sports yourself? Well, I’m sure you’ve heard horror stories about children and teens injuring themselves, or worse, while playing sports. It’s not a good situation to be in. As a parent to a child athlete, it’s your job to ensure that you understand the signs of injury and understand how to prevent them from happening in the first place.


According to The Centers for Disease Control and Prevention, “Injuries from organized and unorganized sports account for 775,000 emergency room visits annually for children aged 5-14 years old. Sports-related injuries are the leading cause of emergency room visits in 12-17-year-olds.” These numbers are too high for our liking.

With that being said, we’ve compiled a list of ways to prevent/recognize these unfortunate injuries.



Sometimes coaches can push children beyond their limits. Believe it or not, grabbing some water or a sports drink may be the last thing on their mind when they’re training. It’s important to tell your children about the importance of drinking at least 16 ounces of water one hour before practice and another 4-8 ounces of water 20 minutes into practice.



Injuries are more likely to happen if you fail to stretch before practice or a game. The objective of a warm-up is to prepare the body for vigorous activity. If you skip this step, you can easily pull or strain a muscle.


Balanced Diet

Building healthy bones and muscles are crucial for all athletes. Besides, childhood and young adulthood are the bone-building years. Not only does building strong bones help protect against fragile bone diseases, it also helps prevent injury by helping your bones become strong and not so fragile.


Visit the Doctor

It’s best to pay your pediatrician a visit for physical exams (at least once a year), and to talk about sports activities your young one is going to engage in. Pediatricians can offer good tips and direction on staying safe and healthy.


Plenty of Rest

Who doesn’t love a nice rest period after working hard? Professional athletes and entertainers need rest periods just the same as kid athletes. Without rest, your performance will be poor, injuries are more prone to happen, and burn out will be waiting for you around the corner.


Don’t Ignore Pain

Many people tend to ignore minor pain that their children may be experiencing. They simply brush it off as minor soreness. However, discomfort and pain are two different experiences. If your child feels pain, let them know to tell their coach immediately instead of trying to fight through it on the field. Playing through an injury can have long negative affects that can lead to more injury down the road.


Be Cautious During Practices, Too

Many professional athletes are injured before the season even starts. These injuries occur at practices. Be sure that your younger one understands that practice isn’t a “safe zone” and that they should be even more careful during practices as well.


Understand Signs of Concussion

Concussions happen more often than you would think in sports. Football is a sport known to induce the most concussions amongst players. Of course, this can occur in any sport. But, its best to pay extra attention to your children who play Football specifically. The symptoms of a concussion can mimic other problems, like most injuries and sicknesses. But, the following are common signs of a concussion:

  • Blurry Vision
  • Dizziness
  • Poor Balance
  • Headache
  • Slow Speech
  • Drowsiness


Even if you don’t notice symptoms of a concussion, if your child falls or gets hit, you should keep a close eye on them. According to Rocky Mountain Hospital for Children, you should rush your child to the emergency room if they experience sever neck pain, horrible headache that won’t go away, vomiting, or disorientation.


We love our children and our number one priority is to keep them safe. The above-mentioned tips can also be applied to adult athletes as well. Enjoy the competitive world of sports even more by knowing that you’re safe!







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Bob Oetting & Associates Insurance

905 W. Lincoln Ave
Charleston, IL 61920

Contact details

Phone: (217)-345-7063
Fax: (217)-348-5241
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Available Monday-Friday 8:00am - 5:00pm

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