Fireworks Safety

Fireworks and the Fourth: 9 Tips For Safe Celebrations

Windsor-Detroit International Freedom Festival Firework Show

I love a good professional fireworks show. I’ve watched the 4th of July Fireworks from the FDR highway in NYC. I’ve witnessed the pyrotechnics for what used to be the Windsor-Detroit International Freedom Festival from high up in a building on Woodward Ave.

But I’ll admit—I’m not a huge fan of consumer fireworks. It’s probably because my only experience with them resulted in me having to jump out of the way of a firework that fell right in my direction. That pretty much scared me from using anything more than sparklers.

I’m really lucky that I wasn’t injured that day, because as U.S. Consumer Product Safety Commission(CPSC) statistics show hundreds of people are injured every year by fireworks. The CPSC has put together a pretty great infographic on the subject.

Some key statistics:

  • On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July (June 17–July 17).
  • Hands and fingers are the most injured body parts, followed by the head, face, ears and eyes.
  • 40% of the injuries happen to adults ages 25–44, 45% happen to people under age 24.
  • 68% of those injured were male.

Surprised? I’m guessing you’re probably not. The numbers fell mostly where I thought they would. These numbers really illustrate how important it is for people of all ages to treat fireworks with respect. Read all of the warnings and use common sense.

On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July

That includes:

  • Think twice about using fireworks if you currently live in an area experiencing very dry weather and elevated fire risks.
  • Follow all laws! If fireworks are illegal in your area, don’t use them.
  • Never allow young children to play with fireworks. Young children can very easily suffer burns from sparklers, which burn at 2,000 degrees.
  • Have an adult closely supervise any older children using fireworks.
  • Be careful when lighting the fuse. Don’t place any part of your body over the firework. Light only one firework at a time and back up to a safe distance immediately.
  • Keep a bucket of water or a garden hose handy in case of fire or other mishap.
  • Never try to re-light or pick up fireworks that have malfunctioned. Soak them and throw them away.
  • Never point or throw fireworks at another person.
  • Never carry fireworks in a pocket or shoot them off in metal or glass containers.
  • After fireworks stop burning, douse it with plenty of water before discarding it.

Your safety is important to us. Enjoy the Holiday safely!

Insurance Payment

Be Smart About Homeowner Expenses

Be Smart About Homeowner Expenses

It’s a moment that many adults look forward to: securing the keys to your very first home. Owning your dream house (or at least your very own starter house) can quickly turn into a nightmare if you haven’t done the proper research in advance. In addition to the bottom-line cost of the house itself, there can be several unplanned expenses that will add on to your initial homeowner’s debt. Below are some of these costs to consider when planning to make your home truly a sweet home.

Closing Costs. These can include different fees such as title insurance, legal work, and inspections. Being aware of these costs and working with your realtor to negotiate the details may help to save you thousands of dollars before you sign on the dotted line.

Homeowners Insurance. Just like your auto insurance, home insurance is a monthly fee that helps to cover the cost of unexpected events like robberies, weather damage, or other unforeseen disasters. Depending on the value and specific characters of your home, your home insurance costs will vary.

Taxes. One of the guarantees in life: taxes. In the case of a homeowner, they are expected to pay property taxes that will help cover some costs of living within the community in which they reside. These will vary depending on location and available town amenities.

HOA Fees. Depending on your residence, there is a chance your house is a part of a Homeowners Association. Knowing these monthly fees ahead of time can save you some headache when the monthly bills arrive.

Utility Costs. Electricity, gas, propane, water, trash and sewage — all possible add-on’s to your cost of living. These too are generally monthly payments, and they can vary depending on the house. Be sure you understand the structure of your house and its utility demands before closing on your contract.

Be Smart About Homeowner Expenses

Once you’ve made you purchase decision, call Insurance Town & Country for your insurance needs today and speak with one of our insurance professionals. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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    Fire Insurance: Don’t Let Your Future Go Up In Flames

    No one expects to be affected by a fire. Whether you are thinking about your business or your home, it’s just not something that crosses your mind. Fire insurance is one of those policies or policy additions that people put off, because they think “A fire? That’ll never happen to me.” But it does.

    With the uncharacteristically wet spring Colorado has had this year, many business and homeowners will put off getting coverage, but this is a mistake. Wet weather this year means that the naturally occurring wildfires that affect Colorado might not burn as much vegetation, leading to a buildup of fuel for next year. If the State experiences a dry rest of 2015 and 2016, we may see a surge in fires in the coming year. Meaning that NOW is the time to buy or update your fire insurance.

    There are several terms and conditions that must be considered and understood when selecting a policy that provides the right amount of coverage for you or your business. Many kinds of fires, such as wildfires, fires caused by earthquakes, and acts of God may not be included in your existing policy. Make sure that your agent provides examples of fires that are covered and not covered by the policies that you are considering.

    Even if you already have fire coverage, it is important to speak with your agent and review your policy. The Real Estate market has increased dramatically in Colorado, so the value of your home or business has likely increased. Your existing fire insurance policy probably has a coverage limit based on the value of your home or business when your policy was purchased. Meet with your agent, you may want to get a property valuation, so that in the case of a fire, you or your company will be properly compensated based on the real damage done to the property.

    There are several ways to save money on a fire insurance policy. Installing fire preventative measures, such as fire alarms, sprinklers, and using flame retardant building materials may reduce your monthly or annual insurance payment. At Insurance Town and Country, we understand that any explanation of insurance is a lot of information to receive at one time. That is why we keep ourselves updated so that we can be the insurance experts that you need when you’re choosing a policy or making a claim. Contact us today with any questions that you have about your home or business insurance, we’re happy to clear up any confusion. If you are considering a new insurance plan or changing an existing policy, we can schedule a meeting to sit down, discuss your needs, and find a plan that works for you, your family, or your company. Call, email, or drop in and see us today!

    Denver Office                                                                    Castle Rock Office
    1735 E. 17th Ave. #3                                                             513 Wilcox St. #200
    Denver, CO 80218                                                                Castle Rock, CO 80104

    Phone: 303–388-7216                                                        Phone: 303–688-1251

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    Colorado Among Highest States for Identity Theft

    According to the Federal Trade Commission’s 2014 Consumer Sentinel Data Book, Colorado ranks in the top 10 states for per-capita fraud complaints and #13 for per-capita Identity Theft complaints.

    To read the full report, click here.

    Fraud and Identity Theft are serious problems that are affecting millions of Americans every year, and the situation is only getting worse. As hackers become more and more skilled and technology continues to advance, you are put at a higher risk of being defrauded or having your identity stolen with complaints having increased almost 8‑fold over the past 14 years. If you haven’t invested in Identity Theft Protection, yet, it’s time to give us a call.

    Imagine all of your assets; your money, your credit score, and your ability to receive a loan, as your car or house. Knowing that Colorado is near the top of the list for fraud and identity theft complaints, but not protecting yourself against these kinds of crimes is like knowing that robbers have been targeting your neighborhood, but you decide not to lock your doors when you leave the house.

    Fraud and Identity Theft protection is an affordable addition to your Homeowner’s, Condo, or Renter’s Insurance policy that can save you thousands of dollars, years of credit rebuilding, and an immeasurable amount of stress and inconvenience. ID Theft Protection can be added to your homeowners insurance policy and can be used to cover:

    • Attorney Fees
    • Costs of Certified Mail
    • Loan Re-Application Fees
    • Costs of Long Distance Phone Calls
    • Reimbursement for Lost Income
    • Costs of Executing Affidavits

    There is no age group that is safe from Fraud and Identity Theft, so it’s important to speak directly with an Insurance Town and Country Insurance Specialist about how you can protect yourself and your family. Give us a call at 303–388-7216, shoot us an email at, or request a quote online and let’s put your mind at ease.