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Make your vacation a great oneAuto Policy


Whether you’re planning a trip to a local attraction in Ohio this summer, or headed all the way across the country, you want your vacation to be relaxing. It’s a getaway from work and day-to-day life. So we’ve got some tips - from packing smart to protecting yourself from pickpockets - to make your trip the best it can be.


Before you go

Even if you’re only headed across the state, a packing list is a must. How many times have you left home and arrived at your destination, only to find that you forgot your most comfortable walking shoes? Or your swimsuit? Put everything on this list, even if you think you would never forget it. A toothbrush is easy to replace when you get there - your prescription medication isn’t.


Be sure that you have printed itineraries for everyone in your party, and make color copies of important ID documents as well. Keep the copies in your bag, separate from your passport and other IDs. It’s also a great idea for each person to have a list of emergency numbers, either for them to call or for someone else providing assistance.


Of course, packing light can make travel a lot more enjoyable. Here are some ideas to help you lighten the load:

·        Do laundry at your destination. Nobody wants to do laundry on vacation, but if you’re willing to sacrifice a little time, you can pack far fewer items of clothing.

·        Easy on the shoes. Pack only one or two pairs of shoes. It’s best to wear the heavier pair during travel if possible, and pack the lighter one.

·        Ditch the books. Consider using an e-reader instead of packing actual books.  You can buy books once you reach your destination. Thrift shops are great places to find inexpensive books.

·        If flying, don’t check your bag. This forces you to take smaller pieces of luggage and avoids checked-baggage fees! Skip the hassle of baggage claim, too.


When you’re there

It’s time to relax, but don’t let your guard down completely!  Tourists often are targets for those looking to separate you from your money.

·        Don’t carry much cash. Most places accept credit cards, and those that don’t often have ATMs on site.

·        If you carry a wallet, keep it in your front pocket. For a purse, hang it across your body. Both will make it more difficult for a thief.

·        Eating out too much? If your hotel room has a refrigerator, you can easily purchase and store sandwich ingredients for a cheap lunch or dinner or choose an economical condo or house and cook small meals. The money saved on restaurants can make up for any cost difference between a condo and hotel.

·        Think about travel insurance. Yes, this costs money up front, but if may end up saving you a lot of money!


Finally, remember that you’re on vacation to relax and escape everyday life!

Request a quote online by clicking here.

Homeowners Insurance

Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. Carrying the right amount of coverage is essential to protecting your family and belongings. Did you know there is a difference between the market value of your home and the cost to replace it? 

Apply for Homeowners Coverage

Let's Keep Our Lawns - and Ourselves - Safe in Ohio


For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard - often with tools that can be dangerous if not used properly.

Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don't let your landscaping efforts land you in the hospital! Follow these handy safety tips.

Tool safety tips from the U.S. CPSC

  • Dress appropriately. To protect yourself from debris when using lawn tools, wear eye protection, long pants, long-sleeved shirts, close-fitting clothes and no jewelry. Sturdy shoes are recommended, and ear plugs may be appropriate depending on how loud the device is.
  • Before starting, remove objects from your work area that could cause injury or damage, such as sticks, glass or stones.
  • Keep children indoors and supervised at all times when any outdoor power equipment is being used. Never let a child ride or operate a garden tractor or riding mower, even if the child is supervised. And never assume children will remain where you last saw them.
    Use extreme caution when backing up or approaching corners, shrubs and trees.
  • Handle gasoline carefully. Never fill tanks while machinery is on or when equipment is still hot. Of course, you should never smoke or use any type of flame around gasoline or any gasoline-powered equipment.
  • Do not work with electric power tools in wet or damp conditions. For protection against electrocution, use a ground fault circuit interrupter (GFCI).
  • Be sure that extension cords are in good condition, are rated for outdoor use, and are the proper gauge for the electrical current capacity of the tool.

Lawn Chemical Safety Tips from Texas A&M University

  • If you use chemicals to control weeds or pests in your lawn, read the product label carefully so you understand the potential effects on humans, animals and the environment. Follow all instructions.
  • Keep children and animals away from the application area, and protect your skin, eyes and nose during and after application.
  • Remember, use only the recommended amount. Using more of the chemical will NOT do a better job.
  • Ask yourself if you truly need to use a general pesticide. Is there a product that will specifically treat only the problem you need to solve?

From all of us at GARNER INSURANCE, here's to keeping both you and your lawn healthy this summer!

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