• Don't get trapped at train crossing grades. Wait until the car in front of you has left enough room to let you get to the other side safely.
  
  
• Most home insurance policies don't cover floods and mud slides. Call us for more information on how to get special insurance for these hazards.
  
  
• If there's a young driver in your house who just landed a delivery job (such as pizzas), call us. Auto insurance policies are not intended to cover such work.
  
  
• During severe electrical storms, unplug TVs, stereos and computers to avoid damage.