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What You Need to Know about Carbon Monoxide Poisoning | Top 6 Facts

What You Need to Know About Carbon Monoxide

Carbon monoxide (CO) is an odorless, colorless, poisonous gas that spreads from household items and equipment made from charcoal, wood, gas, or oil. Once it spreads, your home and health are at high-risk.

Carbon Monoxide Poisoning Symptoms

CO poisoning symptoms are often mistaken for the flu. Common signs can include:

Headache

Nausea

Dizziness

Vomiting

Confusion

Shortness of breath

What to Do if Your Carbon Monoxide Alarm is Beeping

If you hear your carbon monoxide detector beeping, do not ignore the alarm. Leave immediately because exposure can quickly lead to health risks including heart disease or fatality. Get pets and everyone out for fresh air. Call 9-1-1 and go to the hospital immediately. Do not re-enter the home until emergency responders say it’s safe to do so.

If local emergency responders don’t find carbon monoxide in your home, try resetting your alarm. If the detector doesn’t stop beeping, contact your manufacturer immediately.

Tips to Prevent Carbon Monoxide Poisoning

Get your appliances serviced annually by a licensed technician. Install carbon monoxide alarms throughout your home. Clean your chimney at least once a year. Don’t run your vehicle, lawnmower or gas equipment inside a closed garage. Don’t use a gas oven to heat your home. Don’t block your home’s vents.

Frequently Asked Questions

What causes carbon monoxide?

Carbon monoxide stems from home appliances with oil, gas, coal or wood. CO gas buildup can also come from your vehicle running in an enclosed area such as a garage attached to a home.

How do carbon monoxide detectors work?

When CO is detected, the carbon monoxide alarm’s sensor triggers an alarm to alert you. If you’re unsure if the alarm is working, test it by checking the wall outlet’s power or batteries.

Why is my carbon monoxide detector beeping every 30 seconds?

Carbon monoxide detector beeping can signal different alerts. Check your detector’s manual. If your alarm sounds every 30 seconds the battery may need to be changed, the detector should be replaced, or there’s a malfunction.

Where should I install a carbon monoxide alarm?

Carbon monoxide alarms should be placed in every commonly used area in your home including the kitchen, bedrooms and living room. Refer to your manufacturer’s instructions for proper placement.

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What You Need to Know About Carbon Monoxide | 6 Warning Signs

What You Need to Know About Carbon Monoxide | 6 Warning Signs

 What You Need to Know About Carbon Monoxide

 Carbon monoxide (CO) is an odorless, colorless, poisonous gas that spreads from household items and equipment made from charcoal, wood, gas, or oil. Once it spreads, your home and health are at high-risk.

 Carbon Monoxide Poisoning Symptoms

 CO poisoning symptoms are often mistaken for the flu. Common signs can include:

 Headache

Nausea

Dizziness

Vomiting

Confusion

Shortness of breath

 What to Do if Your Carbon Monoxide Alarm is Beeping

 If you hear your carbon monoxide detector beeping, do not ignore the alarm. Leave immediately because exposure can quickly lead to health risks including heart disease or fatality. Get pets and everyone out for fresh air. Call 9-1-1 and go to the hospital immediately. Do not re-enter the home until emergency responders say it’s safe to do so.

If local emergency responders don’t find carbon monoxide in your home, try resetting your alarm. If the detector doesn’t stop beeping, contact your manufacturer immediately.

 Tips to Prevent Carbon Monoxide Poisoning

 Get your appliances serviced annually by a licensed technician. Install carbon monoxide alarms throughout your home. Clean your chimney at least once a year. Don’t run your vehicle, lawnmower or gas equipment inside a closed garage. Don’t use a gas oven to heat your home. Don’t block your home’s vents.

 Frequently Asked Questions

 What causes carbon monoxide?

Carbon monoxide stems from home appliances with oil, gas, coal or wood. CO gas buildup can also come from your vehicle running in an enclosed area such as a garage attached to a home.

 How do carbon monoxide detectors work?

When CO is detected, the carbon monoxide alarm’s sensor triggers an alarm to alert you. If you’re unsure if the alarm is working, test it by checking the wall outlet’s power or batteries.

 Why is my carbon monoxide detector beeping every 30 seconds?

Carbon monoxide detector beeping can signal different alerts. Check your detector’s manual. If your alarm sounds every 30 seconds the battery may need to be changed, the detector should be replaced, or there’s a malfunction.

 Where should I install a carbon monoxide alarm?

 Carbon monoxide alarms should be placed in every commonly used area in your home including the kitchen, bedrooms and living room. Refer to your manufacturer’s instructions for proper placement.

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Premier Insurance Group, LLC (Top Reasons Why You Need Life Insurance)

Why You Need Life Insurance 

Adapted from an article written by Kristin O'Keeffe Merrick, Contributor to Forbes Women  

Life insurance is not fun to talk about, and it’s not a process any of us want to be a part of. However, it’s something we’ll all face, sooner or later if we intend to protect our loved ones after our death. Most people procrastinate until they are forced to deal with reality after a major life event. If you have debt, are married or are planning to be married, have or are planning to start a family, or you are a business owner, there are some definite benefits for buying life insurance. 

How Term Life Insurance Works 

Term life insurance is fairly straightforward—if you don't use it, you’ll eventually lose it. You pay an annual premium, which is determined by your insurance company, for the “term” of the policy (usually 20 years), and if you die within those 20 years, your beneficiary will collect the amount specified on the policy. For example, if you have a $1 million, 20-year term policy and the premium is $500/year, and you die within that 20-year period, your beneficiary will receive $1 million, tax-free. That’s, of course, assuming that you’re current on your payments. 

Why Do You Need Life Insurance?  

The most important question to ask yourself when considering life insurance is this: Will someone in my life be adversely affected financially by my death?  And do you want that person to assume your financial liabilities? 

   If You Were to Die Tomorrow, Who Would Assume Your Debt?  

If you own a home, a business, or have personal liabilities, someone will be responsible for your liabilities (typically your family and/or loved ones). Do you really want your spouse, your parents or your siblings to end up having to pay your debt when you die? Debt aside, your entire family may be at risk, especially if you have kids. 

Are You A Business Owner?  

What about your business? Who will run it if you die, or what will happen to it? To your customers? It’s important to plan ahead and to perhaps purchase some type of insurance product and/or create some legal documents stating who would inherit your business and its assets and liabilities. 

How Much Insurance Do You Need?  

owing how much insurance you need is not an easy question to answer because everyone is different. It depends on many things, such as your age, your sex (men are typically more expensive to insure than women), your family and financial situation, and how much insurance you can afford. One formula suggests that your insurance should be somewhere between 7-10 times your annual salary. If you do have kids, a business and a lot of debt, you should probably increase that amount.  

Where Should You Buy Life Insurance?  

Choose an insurance agent you trust. Term life may not be the best type of product for you, but an experience agent can assess your situation and guide you toward the best policy for you. Most agents won’t try to sell you what you don’t need or more than you need. 

What Else Should You Know? 

Life insurance is a big purchase. If you have an old policy, have it reviewed by your agent. It may be better to buy more insurance (especially if your life has changed in the past few years) and let the old policy lapse. Even if you have a group life insurance policy through your employer, do NOT assume that it is an adequate amount. Also, consider what would happen if you were to leave the company or get fired. You would suddenly be without any life insurance at all. Remember, insurance gets more expensive as you age, and in some cases, premiums can be almost 2 times as expensive depending on your age. Insurance may seem complicated and overwhelming but finding a good agent can change that. Don’t be afraid to ask questions because this is a big purchase and will impact your loved ones down the road. 

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A Single Moment Can Change Your Life Forever | [Are You Prepared for That?]

Sometimes, people put off buying life insurance or upgrading their car insurance to a better plan. If you are in an accident, are you prepared to be out of work? Without a vehicle? Are you prepared for long-term costs associated with hospital bills... God forbid that happen? At Premier Insurance Group, LLC, we'll help you make sure you are prepared for everything, so whether you need a better car insurance policy, life insurance or personal coverage, we're here for you. Call us today, and we'll give you a free quote on any insurance product we provide. Let us be your insurance company. 256-773-2698

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Premier Insurance Group, LLC | Are You Ready? [Hartselle, AL Life Insurance]

Imagine having the best insurance possible. You CAN with Premier Insurance Group, LLC. Give us a call, and we'll get you started on the right path today. 256-773-2698

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Are You Ready?

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Did You Know?? Certain dogbreeds make it difficult to buy homeowners' insurance.

Certain dog breeds can make it difficult to buy home insurance

No one knows your dog better than you, but did you know that you might run into complications when trying to find adequate homeowners coverage for your beloved pooch's breed?

The average homeowners’ insurance policy includes liability coverage for all household members, which is why insurance companies are picky when it comes to certain dog breeds they're willing to insure — especially when you consider the fact that dog bites account for a third of all liability claims, each averaging $30,000. For this reason, most home insurers won't provide coverage if you have a pit bull or wolf hybrid. Other blacklisted breeds typically include:

·         Rottweilers

·         German Shepherds

·         Akitas

·         Staffordshire terriers

·         A cross-mix of any of the above breeds

Rules for how insurers can regard certain dog breeds vary by state. So, check with your insurance company before adopting a new pet, especially if it’s one of these listed above.

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“I don't call it "Life Insurance," I call it "Love Insurance." We buy it because we want to leave a legacy for those we love.”

“I don't call it "Life Insurance," I call it "Love Insurance." We buy it because we want to leave a legacy for those we love.”

Protect the people you love the most by purchasing life insurance. It's worth every penny to know your family is protected.

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Premier Insurance Group, LLC

Premier Insurance Group, LLC is a locally-owned, independent company providing you with the best auto insurance in the business. We go the extra mile to make sure you are protected in the event of an accident, and we make it easy to file your claims. We are partnered with numerous, professional carriers, so we are confident that we can find the right insurance policy for you. Our friendly and experienced agents will assist you in choosing the best auto insurance for your needs as well as for your budget. We guarantee the products we sell because our insurance is first-class. We are more than happy to answer any questions you may have about your policy or deductibles, and we always provide fast, free quotes. We want to be your insurance company. Call us today for more information at 256-773-2698, or stop by our office located at 827 Main St. W, Hartselle, AL 35640. If you're looking for honest, dependable insurance agents with companies who stand behind them, call us. You won't be disappointed.

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