Author Archives: Sherelyn Schoch

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COVID-19 Update: Office Availability & Payments


Out of respect for our employees who are caretakers for high-risk family members….

Following advice from health professionals and government officials, our office will be closed through Friday, March 27. We will re-examine future closings at that time.

Every member of our team is available to you by phone using our regular phone number: (570) 296-8329 or you can email us at We have a dropbox slot to drop off signed paperwork. We will resume in-person office appointments when we are advised that it is safe to do so. 

We are sorry for any inconvenience this may cause you. We hope that all of you are staying healthy and happy.


Please note that at this time, we will not be receiving payments. An alternative that has been suggested to us is your purchase of a prepaid debit card. You may then call our office to pay your insurance bill. Similarly, you may purchase a cashier’s check or money order and mail the payment in to the company directly. We thank you in advance for assisting us in taking these safety precautions. As always, please feel free to call us for any questions or concerns.

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Trick-or-treating toddler princess with dad

Halloween Safety Tips

Trick-or-treating is a big event in our area, so — whether you’re behind the wheel or behind a mask — it’s worth reviewing some safety tips before heading out on Halloween.

pedestrians crossing street with traffic

Drivers Beware

We urge motorists to be especially cautious on Halloween. Excited children often forget the rules and may dart out in front of a car unexpectedly or forget to cross the street at crosswalks. Their dark clothing can also make them more difficult to see.

Driving on Halloween night can be distracting, so remember to stay alert and keep your eyes on the road. Back out of driveways very slowly and move out of any side streets and alleyways carefully. Use extra caution when traveling in busy neighborhoods and travel at a safe speed.

Young trick-or-treater getting candy from masquerade woman

Safety Tips for Trick-or-Treaters

  • Make sure that an adult or older responsible youth will be supervising the outing.
  • Adults and children should carry flashlights and wear reflective strips or clothing to be more visible to motorists.
  • Always walk on the sidewalk and stay in well-lit neighborhoods.
  • Never allow children to walk on the street or in alleyways.
  • Talk to children beforehand about safety, reminding them to cross the street at crosswalks and corners and to never cross between parked cars.
  • Avoid cutting across yards or driveways and only approach well-lit houses.
Glowing porch light

Make Your Home and Yard Safe for Halloweeners

  • Start by removing items from the steps and walkways that could be tripped over such as toys, hoses, flower pots, or bicycles.
  • Sweep wet leaves from the sidewalk, porch, and steps to prevent slips and falls.
  • If your town has trick-or-treating hours at night, be sure to brighten the way by turning on all outside lights.
  • If you don’t regularly use your porch and outdoor lights, check them the week before to make sure they are working properly.
  • Keep your pets inside, and properly secure them to ensure their safety and the safety of trick-or-treaters when you open your front door.

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Rental insurance should not be dismissed

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Any insurance policy that you buy should help keep you and your assets safe. Insurance provides peace of mind and the ability to recover from many losses. Even though renters do not own the property in which they live, that residence is their home and it is filled with their personal property. A family should not be left with just the clothes on their back in the event of a disaster or burglary.

Unfortunately, only 40 percent of renters said they carry insurance, according to a 2015 Insurance Information Institute study. Yetter Insurance believes that this is a problem that can be improved. In fact, the average tenant insurance costs only $15 a month. Considering how valuable this protection could be—it is a smart decision for any renter to explore policies. We are here to help you determine the amount of coverage you need for rental insurance.

What do you own and how much is it worth?

Create a list of any and all items that you own. In the event of a disaster like fire or robbery, it can be difficult to assess what property you need to replace without supporting documentation.

Include everything you own on your list, even kitchen utensils, appliances, clothes, and draperies. You should also document the serial numbers of any appliances or electronics. In tandem, sum up the total value of all of your possessions to estimate your personal property coverage needs.

Inventorying all your belongings can seem daunting, but there are a range of free and paid online services and smartphone apps that can walk you through the process. This makes it easier to add photos and all pertinent info. Check with your Yetter agent on what details you need to include, and search for an app that meets your requirements.

Replacement cost vs. actual cash value policies 

A renter will normally be able to choose between two types of reimbursement for their insurance policy.

“Replacement cost” policies pay for the actual cost of replacing your possessions. They will consider how much it will practically take to replace an item. This is practical for things like televisions, which lose value quickly each year.

“Actual cash value” policies pay to replace your belongings at their value at the time of the loss. That means you get an amount that’s based on depreciation.

If you see yourself renting for the long-term, a replacement cost policy is more valuable, even though it is typically ten percent more expensive. Without one, the difference between the value of your original item and the cost of a new one may be greater than the extra premiums you would have paid over the years.

It is important to note that items like watches, furs, silverware, and firearms have low caps for theft coverage. You will probably not be able to be reimbursed for the full value of any precious jewelry for example. Usually, claim payments cap at $1,500. Higher end personal items can be endorsed on your policy for higher limits.

Liability coverage for tenants

If someone is injured in your home due to your negligence and sues you, a lawsuit could wreck your finances for years. The liability portion of your renters insurance policy covers you in these events, protecting you against lawsuits for bodily injury or property damage. It also covers damage you and your family accidentally do to others.

A renters insurance policy generally covers both the cost of legal representation in a lawsuit and any damages awarded to the other party. Liability limits will start at $100,000 and top out at $1,000,000. Some experts recommend a minimum of $500,000.

You will need to evaluate whether the liability coverage offered is sufficient. Renters who entertain and host parties or who often have guests over for dinner may have greater risks.

Rental insurance can help you find temporary housing

Renters insurance can also provide compensation for alternative living arrangements in the event that your rental unit or rented home becomes uninhabitable due to storm damage or an apartment fire.

Some landlords will require you to have renters insurance before you sign a lease, or to buy it within a certain time period. Usually, though, it’s your call. If renters insurance is optional, ask yourself whether you could afford to replace all your possessions if they were lost, damaged or destroyed. If the answer is no, renters insurance is something you should look into. Often the cost of the tenant insurance is offset by the multi-policy discount if you bundle it with your auto insurance.

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Control the 4 C’s of Holiday Fires

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The holidays are a joyous time, but the celebration also marks the 14 worst days of the year for home fires. More household fires occur between December 24 and January 6 than any other two-week stretch of the year. Christmas trees, cooking, candles, and chimneys are all contributing factors. Let’s discuss the “four Cs” of holiday home fires and how to prevent them.



Cooking is one of the leading causes of home fires year-round, and the holidays are no different. Stove-top cooking presents the biggest threat. Many fires start when something is cooking on the stove and the cook becomes distracted or leaves the room. A fire can happen in just seconds, so by the time they return their attention to the stove, the fire is already out of their control.

These fires can be easily prevented. Never leave cooking food unattended. If you absolutely must leave the kitchen, turn off any stove-top burners. Oven fires are also possible, but far less common. While you don’t necessarily have to linger over the stove the entire time something cooks in the oven, you should never leave the house when something is cooking in the oven. If you absolutely must run to the store to pick up a forgotten ingredient, turn the oven off before leaving the house.


Christmas Trees

Christmas trees (both real and artificial) cause hundreds of home fires every holiday season. The leading cause Christmas tree fires include electrical malfunction and the tree being too close to a heat source or flame.

When buying a pre-cut Christmas tree, make sure to buy one with fresh, green needles. You should only keep your tree up for about two weeks, so don’t buy your Christmas tree too far in advance. Water your tree every day. If you prefer to use an artificial tree, make sure to buy one that is fire-retardant. Don’t string more than three sets of lights together. Visually inspect all lights before putting them on your tree for loose bulbs and frayed or damaged wires. Unplug all string lights before leaving the house or going to bed. Most importantly, keep your tree at least three feet from any heat source or flame.



Candles are very popular around the holidays and create obvious risks regarding home fires. The most candle-related fires occur on Christmas day, followed by Christmas Eve and New Year’s Day.

The best way to avoid candle fires is to not use candles, but there are ways to reduce the risk while still using them. You should use quality candle holders that don’t tip over easily, collect dripping wax, and are inflammable. Never place candles near flammable items such as books, curtains, furniture, and clothing. Most importantly, never leave burning candles unattended.



The holidays are a great time to gather around the fireplace with family but don’t forget that chimneys still need to be cleaned every two years or so.

If you regularly use your fireplace in the wintertime, and you haven’t had your chimney cleaned in the past few years, then it’s time to call a chimney sweep. This is because a substance called creosote builds up in the chimney and can fuel a chimney fire when ignited. You can slow the buildup of creosote by burning only dry, seasoned wood, and refrain from burning things like wrapping paper, fresh wood, boxes, and trash. Always use kindling or paper to start fires, never use flammable liquids in a fireplace. Use a screen in front of the fireplace to catch any potential sparks that erupt from it. Most importantly, never leave a fire burning unattended.

Accidents happen, and you can never eliminate all risk, but by following the simple tips in this article you can minimalize your risk of a home fire dramatically. For information about your policy and how it pertains to home fires, or to buy a new policy, please contact your Yetter insurance agent by calling (570) 296-8329 or visit


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Thanksgiving decorations

Thanksgiving Travel Tips

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Thanksgiving is a time when we gather with friends and family to celebrate that for which we’re thankful, but it’s also a time to practice caution. When you’re traveling this Thanksgiving, keep in mind the added risks associated with the holiday. By following the simple tips outlined here, you can reduce the likeliness of becoming another Thanksgiving statistic.

Be Careful on Thanksgiving Eve

There are more drunk drivers on the road the night before Thanksgiving than any other day of the year. There are a few reasons for this.  Thanksgiving is one of the only times of year when those who have moved away from their hometowns return. They may meet at bars to catch up with old friends who have also dispersed around the country.

Drive Defensively

If you are going to be traveling the night before Thanksgiving, it is imperative that you engage in defensive driving and understand that other drivers on the road may have been drinking. Keep a safe following distance, pay extra close attention when approaching intersections, and stay extra vigilant when you’re driving around other motorists.

Celebrate Responsibly

If you’re going out to meet up with friends at a bar or party the night before Thanksgiving, you should secure a designated driver, call a taxi, or offer to be the designated driver to ensure a safe trip for all involved.

Driving on Unfamiliar Roads

The day before Thanksgiving isn’t the only dangerous day on the road. With many drivers who are unfamiliar with their surroundings populating the roads, the whole week presents added dangers while traveling by car. Thanksgiving night has a 20% increase in traffic accidents, Black Friday has a 34% increase, and the Sunday after Thanksgiving has the highest number of out-of-state accidents of the week.

Tips for Traveling Safely

The following tips can help you avoid having an accident:

  • If you’re going to be drinking, be sure to get a designated driver or hire a taxi.
  • Consider traveling home the Monday after Thanksgiving. There is a dramatic reduction in the number of accidents on that day than the week leading up to it.
  • If you can’t wait until Monday to travel home, there are 17% fewer accidents on Saturday than on Sunday.
  • Maintain safe following distances.
  • Be extra vigilant when approaching intersections.
  • Don’t drive aggressively.
  • Give yourself extra time to reach your destination to account for traffic and the possibility of getting lost.

Avoid Black Friday Fender Benders

For many people, Black Friday is just as much a part of the holiday as Thanksgiving Day itself. The parking lots of major retailers are often packed and present accident risks of their own. If you’re going shopping on Black Friday, follow these tips to reduce the likeliness of leaving the store to find your car damaged in the parking lot.

  • Avoid diagonally positioned spaces. There is an increased risk of being sideswiped in diagonally positioned spaces in comparison to straight spaces.
  • Don’t park at the end of aisles. Cars parked on the end of aisles are more likely to be involved in an accident due to additional exposure to turning vehicles.
  • To prevent dings and dents, park further away from the entrance of the store where you’re less likely to come in contact with other cars’ doors and shopping carts.
  • Be careful when pulling in and out of parking spaces.

Keep Your Home Safe While You’re Away

Beyond the dangers of traveling the week of Thanksgiving, there are also precautions you should take if you’re going to be out of town for several days. If you’re going to be away from home for more than a day, use the following checklist to make sure your house is protected while you’re gone.

  • Shut off all appliances before leaving.
  • Turn off the water to your hoses.
  • If you live in a cold weather area, wrap your outside pipes to keep them from freezing.
  • Make sure all of your important documents are locked in a fireproof safe.
  • Don’t post on social media that you’re leaving town. Burglars often turn to social media to see who will and won’t be home.
  • Set your lights to timers. This gives the impression that someone is home.
  • Close and lock all doors and windows.
  • If you have a burglar alarm, set it before leaving.

With just a little preparation and patience, you can dramatically lower the likeliness of becoming a Thanksgiving statistic. To make sure that your home and car are covered in the event of an accident during the holiday, please contact your Yetter insurance agent by calling (570) 296-8329 or visit



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Landlord Insurance, rental property, house keys

If You Rent Out Residential Properties, Consider Landlord Insurance

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If you rent out residential property, whether it be a house, apartment, or condominium, you should consider investing in landlord insurance. Landlord insurance provides protection from financial loss that results from damages to a rental property due to fire, storm, break-in, and more.

What does landlord insurance cover?

Depending on your insurance carrier, you landlord insurance can include:

Property Damage

In the event of a storm, fire, tenant damage, or other damage to the property, your insurance company will cover the replacement or repair of property.

Liability Insurance

Liability coverage protects you against liability claims and lawsuits from tenants, their visitors, and trespassers if someone is injured or has their property damaged on your property.

Loss of Income

If your rental property becomes uninhabitable, loss of income coverage will compensate you for the lost rental income until your property is repaired.

Additional Coverage

There are other add-on options for landlord insurance, such as coverage for the furnishings and fixtures that you provide to your tenants. Ask your Yetter insurance agent about your options.

Why should I get landlord insurance?

Your rental property (or properties) are an investment and a source of income. If anything happens to your property, or you get caught up in an expensive legal battle, that investment could be more sunk cost than income.

To protect your rental property investment, and to make sure that you can have peace of mind renting your property, contact your Yetter insurance agent today at (570) 296-8329 to discuss your options and find the plan that’s right for you.

See also: Top Renters Insurance Myths

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RV Insurance Tops

Top 5 Things to Know About RV Insurance

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Do I need RV insurance?

Like car insurance, a minimum of liability coverage is required for RVs in every state. Some states also require uninsured and underinsured motorist coverage. Collision and comprehensive coverage are up to you, but it’s recommended to protect your investment. The following conditions require additional coverage:

  • Renting an RV
  • If your RV is your permanent residence
  • If you financed your RV


What does RV insurance cover?

Insurance for recreational vehicles (RVs) provides similar coverage as auto insurance, including collision, comprehensive and liability coverage. The main difference is the additional coverages you can add to your RV. Depending on your insurance plan, you can get additional coverage for:

  • Your belongings stored in the RV
  • RV accessories, such as awnings, satellite dishes, and installed appliances
  • Vacation and campsite liability
  • Towing and roadside
  • Full-time coverage (if RV is your full-time residence)
  • Total loss replacement
  • Uninsured and underinsured motorists


What type of RV insurance do I need?

The type of RV insurance you will need is based on several things:

  • What state you live in
  • The class of RV you own
  • How far you will travel in your RV
  • Whether you’ll be using the RV to vacation or as your primary residence
  • The custom features included in your RV
  • Any additional coverage you choose to add


What are the different classes of RV?

  • Class A: Larger luxury models, up to 75 feet, such as the luxury coach, converted bus, and motor coach.
  • Class B: Smallest RV models such as travel trailers, camper vans, and cargo van type RVs.
  • Class C: RVs that use a standard cargo van as the driving portion and have a camper portion that extends over the cab. This includes fifth wheel RVs.


Where can I get RV insurance?

To get an insurance policy for your RV, contact your Yetter Insurance agent today by calling (570) 296-8329, or visit

Yetter Insurance Agency offers comprehensive RV insurance policies to owners throughout Pike County and Wayne County, PA and Orange County, NY. Whether you’re looking to buy a new RV or you’re looking to add additional coverage to an RV you already own, our agents can help you find affordable and comprehensive coverage through carriers like Erie Insurance, Progressive, and Foremost Insurance Group. Call us at 570-296-8329 or visit our Milford, PA office to find the right RV insurance for your needs.

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safest cars for teen drivers 2017

The Safest Cars for Teen Drivers

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Every teenager is eager to start driving their first car, making many parents concerned for their children’s safety. Newer drivers are at greater risk of getting into car accidents than experienced drivers.

Buying a first car is a huge decision, and teens should know it’s not all about status and appearance. Safety is the most important thing for parents to consider when choosing a car for their child.

Which Cars are Safest?

The Insurance Institute for Highway Safety (IIHS) publishes an annual list of the safest recommended cars for teenaged drivers. They began this in 2014 to help parents find a car for their new driver that can keep their minds at ease.

The 2016 list of cars is broken up into “Best Choices” and “Good Choices.” The Best Choices list are newer models of most of the same cars that are listed under Good Choices. These are also slightly more expensive. There are 49 Best Choices starting under $20,000, and 83 Good Choices starting under $10,000.

Top Vehicles by Category

Large cars

  • Volvo S80 (2007 and newer) for Best Choice
  • Ford Taurus (2009 and newer) for Good Choices

Midsize cars

  • Toyota Camry (Best Choice: 2014 and newer, Good Choice: 2012-13)
  • Hyundai Sonata (Best Choice: 2015 and newer, Good Choice: 2011-14)
  • Acura TL (Best Choice: 2012-14, Good Choice: 2009-11)

Small SUVs

  • Subaru Forester (Best Choice: 2014 and newer, Good Choice: 2007-13)
  • Mazda CX-3 (Best Choice: 2016 and newer)
  • Mitsubishi Outlander (Best Choice: 2014 and newer, Good Choice: 2011-13)

Midsize SUVs

  • Kia Sorento (Best Choice: 2016 and newer, Good Choice: 2011-2015)
  • GMC Terrain (Best Choice: 2014 and newer, Good Choice: 2010-13)
  • Nissan Murano (Best Choice: 2015 and newer, Good Choice: 2009-14)


  • Kia Sedona (Best Choice: 2015 and newer, Good Choice: 2006-14)

Pick-up trucks

  • Toyota Tundra extended cab (Best Choice: 2014 and newer, Good Choice: 2007-13)


The IIHS has raised the bar for safe vehicles. High horsepower cars are advised against because teens will be tempted to test out the feature and speed. All vehicles listed have electronic stability, which helps drivers maintain control on windy or slippery roads. Vehicle size was another factor in choosing the cars on the list—heavier cars are safer because they protect better in a crash.

For the first time, small overlap front crash protection was considered when compiling the Best Choices list. All cars have four or five stars from the National Highway Traffic Safety Administration.


The IIHS knows that while safety is the first priority, families are looking for the best prices for a car as well. All the cars on the lists are used and under $20,000. The cheapest car, the Saab 9-3 years 2005-2011, is listed at $2,000. Families on a budget should look at the Good Choices list, which are all still top safety picks, but more affordable.

Get the Right Insurance for Your Teen Driver

Talk to your Yetter Insurance agent today to find the best plan to cover your teenage driver. For more information, please contact Yetter Insurance Agency at our Milford office by calling 570-296-8329.

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Man Sleeping on Golf Cart, golf cart insurance

Do You Need Golf Cart Insurance?

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If you own a golf cart, it’s a good idea to have insurance for it. In fact, some states and homeowners’ associations require it. The type of coverage you need depends on how and where you use your golf cart. In this article, we will discuss the best type of insurance for your golf cart based on your needs.

Personal Property Protection

If you only use your golf cart on your own property, then it is considered to be your personal property on your homeowner’s or renter’s policy and is covered in the event of a loss such as theft or fire. Keep in mind, though, this coverage is available only when it is used to service your residence premises. If you decide to take the golf cart off of your property, you will need to talk to your agent about how to best provide coverage.

Another aspect that you should keep in mind is that allowing an unlicensed driver (such as your child) to drive your golf cart could provide gaps of coverage on your policy.

Liability Protection

Liability coverage for your golf cart is also available through your homeowner’s or renter’s policy—regardless of where you are using the cart.

Many private and retirement communities allow their residents to get around using golf carts, but this type of usage requires a bit more coverage. If you regularly use your golf cart on residential streets, you’ll want a golf cart policy. A golf cart policy is similar to an auto insurance policy, but it is less expensive.

Golf Cart Insurance Policy

A golf cart policy provides you with collision insurance, property damage liability, and bodily injury liability. You can also opt for comprehensive coverage, which can help you recover damages if your golf cart is stolen, damaged in a fire, or other instances that may not be covered by your homeowner’s insurance.

If you’re looking for golf cart coverage or have questions regarding what kind of coverage you need, please contact your Yetter Insurance agent by calling (570) 296-8329, or visit

Do you need golf cart insurance? Your homeowners or auto insurance policies may not provide the coverage you need. With so many golf courses and gated communities nearby, golf cart ownership is common in Pike, Wayne, and Orange counties. Yetter Insurance Agency in Milford, PA offers specialty golf cart insurance policies through top-rated carriers like Progressive and Foremost. Call Yetter Insurance today to see how golf cart insurance can help protect you and your ride.


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Keys in door lock, how to secure your home on a budget

9 Ways to Secure Your Home on a Budget

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More than 2 million burglaries occur each year in the United States—that’s one every 15 seconds—but there are ways to protect yourself, your family, and your belongings without breaking the bank. Before you dole out big bucks for a top-of-the-line security system, check out these tips to keep your home secure on a budget.


1. Talk to your local police

Many municipal police departments will provide complimentary home inspections to check the security of your house. During their inspections, they will point out potentially vulnerable areas, and provide you with tips on how to strengthen your home’s security.


2. Organize a mock burglary

This can be done with another member of your family, but it works better with a neighbor or a friend who isn’t regularly in your home. Allow your friend or neighbor to spend about 10 minutes trying to find and collect anything they consider to be valuables, and then see if they can find and access your important valuables. Anything they present at the end of the 10 minutes that is genuinely valuable or of special attachment needs to be better hidden or locked away.


3. Lock up tools

Many people don’t realize that their tool shed may provide a burglar with the exact tools needed to break into their house. By keeping the tool shed locked and keeping things like ladders put away, you’re not providing any extra help to the person trying to break into your house.


4. Don’t hide keys outside

An emergency key is a great thing to have in case you get locked out of your house, but we know your hiding places and so do burglars. Under the mat, in the fake rock, above the door jamb… unless you can be ingenious and original with your hiding place, then give your spare key to a trusted neighbor to hold on to for you.


5. Use discouraging signs

Window stickers and yard signs for security systems deter would-be burglars almost as well as an actual security system. You can buy the stickers and yard signs online from third-party vendors, or you could ask a friend who has a security system if they have any extra stickers or signs that they didn’t use. Also, a “Beware of Dog” sign will make a burglar think twice before breaking into your house, whether you have a dog or not.


6. Install outdoor lighting

Motion sensor lights are relatively inexpensive and can scare off a would-be intruder approaching your house at night.


7. Use a light timer

Most burglaries occur when the house appears to be empty, so it’s best if your house looks occupied at all times. Light timers should be set to turn lights on and off while you are out of the house to make it appear that someone is home. By installing light timers, you can effectively deter most burglars from attempting to enter the house. The timers are an especially efficient method while away on vacation but work while you’re away for short periods of time (like work or a shopping trip) as well. You can also use a light timer to control your television, which can add to the illusion that you’re home when you’re not.


8. Check locks on all entry points of your home

Make sure that the locks on all of your doors and windows are working and in good condition. Most burglars will only spend about 60 seconds trying to enter a home, so if your locks are all working and in good condition, most intruders will give up before getting into your house. Doors do get kicked in, and windows get broken, but statistically it is rare for a burglar to enter in that manner.


9. Discuss all security measures with everyone in the house

Make sure that everyone in your house knows the security measures and does their part in maintaining them. Make sure that everyone closes and locks all doors and windows before leaving the house, even if they’re leaving for just a little while.


Depending on your plan, making security improvements to your home can lower the premiums on your homeowners insurance. For more tips on how to secure your home, or to discuss your possible savings, please contact your Yetter insurance agent by calling (570) 296-8329, or visit


Yetter Insurance Agency is a family-owned business, located in Milford, PA, that offers a variety of homeowners insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. We offer plans from top-rated carriers that fit every need and budget. If you’re interested in expanding or changing your coverage, please contact one of our skilled agents today. For more information, please visit

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