Fire Safety Facts

Fire is a devastating loss for any homeowner. Please keep the following in mind to keep your home safe.

• Install smoke alarms on all levels of your home and change batteries at least once a year.
• Use candles with caution; keep them away from flammable materials. Always extinguish them when leaving the room.
• Clean your dryer lint screen regularly.
• Never leave food on a stove unattended.
• Never smoke in b ed or leave burning cigarettes or cigars unattended.
• Keep matches and lighters out of the reach of children.
• Never place portable space heaters near drapery or furniture.

For more information on homeowner’s coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

Gunn Mowery Supports the World’s Largest Chicken Barbeque

LANCASTER, PA. (May 21, 2012) – Gunn Mowery account executive Paul Rovnak volunteered at the Lancaster Sertoma Club’s 59th annual chicken barbeque on Saturday, May 19 at Long’s Park in Lancaster, Pa.

“The Lancaster Sertoma Club’s chicken barbeque is a tradition in Lancaster county and central Pennsylvania,” said Rovnak, who is Chairman of the Board with the Sertoma Club. “The proceeds from the barbeque will help with the maintenance and upkeep of Long’s Park, as well as a number of other charities.”

The barbeque had been certified by the Guinness Book of World Records as the world’s largest one-day chicken barbeque. The club prepared over 25,000 chicken dinners for individuals and families.

Profits from the barbeque went toward the beautification, upkeep and improvement of Long’s Park in Lancaster. To date, the barbeque has raised over $1.5 million. The barbeque has helped fund the creation of park playgrounds, maintenance and renovations, and toward after school programs for children.

For more information on the event, please visit www.lancastersertomabbq.com, or www.lancastersertoma.org.

About Gunn Mowery
Founded in 1985, Gunn Mowery is an independent insurance broker providing commercial insurance, personal insurance, employee benefits, captive insurance, financial services and surety bonds to clients in Central Pennsylvania and beyond. Our 61 professionals are licensed in 35 states and have placement capabilities worldwide. We have four offices in
Cumberland County (Lemoyne), Lancaster County (Lancaster), York County (Dillsburg), and Centre County (State College).

Recognized locally, regionally and nationally in our industry for service, innovation and best practices standards, we continue to meet the needs of our clients in any way we can. To learn more about our agency, visit www.GunnMowery.com, or e-mail us at
info@gunnmowery.com.

Pool Rules

Before you decide to take a dip in your above-ground pool to cool off this summer, please review your insurance coverage.

Some homeowner policies view above ground pools as contents. This view provides coverage for named perils such as vandalism, windstorms, hail, lightening or falling objects.

Other carriers view an above-ground pool as an “other structure.” This view extends the peril coverage of your home to your pool. Any excluded home perils apply to the pool as well.

Regular neglect, plus wear and tear are not covered. However, pool owners have a responsibility to others (i.e. neighbors) to maintain the pool to avoid damaging other’s property.

In the event there would be damage to a nearby property, a homeowner’s policy provides liability coverage. Claim investigation and payment (should the homeowner be found negligent), legal representation and claim negotiations all fall under the liability coverage for a pool. Insurance coverage for above ground pools is considered a gray area with many carriers.

It is best to contact Gunn Mowery for a review of your coverage. For more information, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

Tweeting, Texting and Facebook

Let’s face it, social media is here to stay. Tweeting, texting and Facebook have become primary means for communication with our changing society.

However, what if your posts had legal or financial consequences? Could you or a family member be sued for an online post?

While not physically injuring someone, Personal Injury can cause harm. Personal Injury is slander and libel, which includes oral, written or electronic publication of material that damages a person or organization’s goods, products or services or violates a person’s right to privacy.

The standard homeowner or renter’s policy provides liability coverage for Bodily Injury, but NOT Personal Injury. If you tweet or text frequently, adding the Personal Injury endorsement to your policy could prove to be a valuable move.

For more information on the Personal Injury endorsement, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

Rules for the Road

Auto accidents account for more young person deaths in the United States than all other causes combined. These statistics are startling and sobering, especially if there are young drivers in your household. Here are some rules to discuss with your young driver prior to allowing them out on the road:

• Establish parental authority for use of the vehicles, rules and consequences.
• Establish the driver’s responsibility for insurance costs and other auto expenses.
• Explain the pitfalls and legal consequences of breaking the law.
• Forbid eating, drinking, smoking and horseplay while driving.
• Eliminate distractions such as loud music and cell phones.
• Keep your insurance card, driver’s license and owner’s card handy in the event of an accident or traffic violation.
• Lock the car and never leave it running.
• Check in when arriving at a destination and when leaving to return home.
• Make sure to always wear a seatbelt.

For more information on auto insurance coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery