Monthly Archives: July 2015

DIY Tricks: Save Time Hanging Up Curtains (with pictures)

Putting up your curtain rod can be a pain. Measuring to make sure you have it all in the right spot. Here’s a trick I came up with to speed things along. This is especially helpful if you’ll be doing the same task repeatedly. 

Tools needed:

  • Piece of cardboard (or paper if not available)
  • Pen 
  • Curtain rod and hardware 
  • Curtains 
  • Screwdriver or screw gun 

Step 1 – Cut out a piece of cardboard 

Step 2 – cut a square out of one of the corners of the cardboard 

  
Step 3 – place the cut in the card board along the window sill 

  
Step 4 – figure out exactly where you want the holes to be for mounting the hardware to hold your curtain rod. Once determined mark them in the cardboard and to the wall

   
 

Step 5 – flip the cardboard over and repeat on the otherwise of the window. It will match up the same. 

  
Now all you have to do is mount the hardware and hang the curtains! 

   
 

3 Reasons Why The Orchard/Vineyard Coverage Endorsement Is So Important

If you farm an orchard and/or a vineyard the “Orchard/Vineyard Endorsement Coverage” is a must have on your Farm Insurance Policy. This coverage is very inexpensive for what it offers, sometimes under $100 a year. Find out why it is so important for you to have:

Trees, vines, stakes, and trellises coverage

This one is obvious, the carrier will cover loss or damage to your trees, vines, stakes, or trellises that are being used in the production of your orchard or vineyard. A common claim we see is when an orchard/vineyard is next to a road and a driver falls asleep veering into our insureds farm. This can be especially harmful on newly planted or young trees/vines as the chance of damage being done is greater to the orchard or vineyard.

This coverage is also in place for other losses such as fire. lightning, explosion, and aircraft.

Contamination of orchard and vineyards products coverage

This covers loss or damage to your production while in the in the orchard or vineyard caused by or resulting from “contamination” that occurs during harvesting.

Harvested orchard and vineyard products coverage

This coverage can be a little tricky as it has certain limits and exclusions. It’s main goal is to cover harvested orchard and/or vineyard products,
including related packing materials and containers, while:

  1. At your farm location
  2. In transit within 100 miles of your farm on a vehicle owned, hired or rented by you
  3. At a non-owned off premises processing facility

Depending on your carrier there are different limits for each of the above mentioned coverages. However, for $65-250 this endorsement is very valuable to your Farm Insurance Policy. If you have any questions in regards to other ways this may benefit your farm or to see if you have this coverage, please contact our farm insurance advisors.

Photo credit: Greg Petersen @ Trulight Photography