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Rutt Insurance Agency Blog

View the latest blog posts from Rutt Insurance Agency.

MONDAY, SEPTEMBER 15, 2025

Back to School Safety Tips

a stop sign School busTransportation Safety Tips

Whether children walk, ride their bicycle or take the bus to school, it is extremely important that they take proper safety precautions. Here are some tips to make sure your child safely travels to school: 

Walkers »

Review your family's walking safety rules and practice walking to school with your child.

● Walk on the sidewalk, if one is available; when on a street with no sidewalk, walk facing traffic

● Before you cross the street, stop and look left, right and left again to see if cars are coming

● Make eye contact with drivers before crossing, and always cross streets at crosswalks or intersections

● Stay alert and avoid distracted walking

Bike Riders »

Teach your child the rules of the road and practice riding the bike route to school with your child.

● Ride on the right side of the road, with traffic, and in a single file

● Come to a complete stop before crossing the street; walk bikes across the street

● Stay alert and avoid distracted riding

● Make sure your child always wears a properly fitted helmet and bright clothing

Bus Riders »

Teach your children school bus safety rules and practice with them.

● Go to the bus stop with your child to teach them the proper way to get on and off the bus

● Teach your children to stand 6 feet (or three giant steps) away from the curb

● If your child must cross the street in front of the bus, teach him or her to walk on the side of the road until they are 10 feet ahead of the bus; your child and the bus driver should always be able to see each other

● Get the facts on bus safety from Injury Facts

Driving Your Child to School »

Stay alert and avoid distracted driving.

● Obey school zone speed limits and follow your school's drop-off procedure

● Make eye contact with children who are crossing the street

● Never pass a bus loading or unloading children

● The area 10 feet around a school bus is the most dangerous for children; stop far enough back to allow them to safely enter and exit the bus

Teen Drivers »

Car crashes are the No. 1 cause of death for teens. Fortunately, there is something we can do.

● Teens crash because they are inexperienced; practice with new drivers every week, before and after they get their license

● Set a good example; drive the way you want your teen to drive

● Sign the New Deal an agreement that helps define expectations for parents and teens

School Safety Tips

Many school-related injuries are completely preventable. Follow these steps to ensure your child's safety at school.

Backpacks »

Choose a backpack for your child carefully; it should have ergonomically designed features to enhance safety and comfort.

● Ask your children to use both straps when wearing their backpack to evenly distribute the weight on their shoulders

● Don't overstuff a backpack; it should weigh no more than 5% to 10% of your child's body weight

● Rolling backpacks should be used cautiously since they can create a trip hazard in crowded school hallways

Playgrounds and Sports »

● To reduce strangulation hazards on playgrounds, have your child leave necklaces and jackets with drawstrings at home

● A few bumps and bruises can be expected when your child plays sports, but head injuries should never be ignored

 

 

 

Posted 2:06 PM


MONDAY, SEPTEMBER 1, 2025

A Costly Surprise for Homeowners

Broken Service LineProtect your home - and hard-earned money - with service line coverage

Few people give much thought to the wires and pipes that deliver power and water to their homes.

Until, that is, it's too late.

Many homeowners don't know that they're on the hook financially to repair or replace damaged or destroyed exterior, underground service lines to their home. It can prove a costly surprise -- upwards of $7,000 or more depending on what's involved.

View an interactive demonstration of how situations like these can affect a home.

Repairing service lines isn't a simple fix, often requiring significant digging that can wreak havoc on landscaping, driveways or walkways. In addition, families sometimes must relocate while repairs are being done, adding to the cost.

The answer: Service line coverage

Service line coverage offers the protection homeowners need, filling a gap in standard homeowners' insurance policies that don't typically cover service lines. Some utilities offer service contracts, but they are typically expensive, offer limited coverage, and often only cover one type of service line.

The risk of a problem is real. Homeowners today rely on more service lines than ever before, including water, waste, drainage, irrigation, heating (gas, propane, steam and geothermal), compressed air, and communications lines, including cable, data transmission, internet access and telecommunications.

Preparation pays off

Service line damage happens more often than you think. And when it does, the costs add up quickly. Fortunately for these customers, they had the coverage they needed when trouble struck.

Highlights of Service Line Coverage

  • Costs to reach damaged underground piping and wiring
  • Repair or replacement of damaged exterior underground piping and wiring
  • Coverage for outdoor property such as landscaping, driveways and walkways
  • Additional costs to expedite materials and services for repairs
  • Living expenses if your clients need to temporarily relocate, including hotels, meals and other expenses
  • Environmental safety and efficiency condition allowing for 150% upgrade when replacement is required
  • Damaged outdoor property including shrubs, trees, lawn and landscaping such as driveways and walkways
  • Cost of generators and other temporary equipment that allows you to remain at home during repairs

Used with permission from Westfield Insurance


Posted 6:51 PM


FRIDAY, AUGUST 22, 2025

Rutt Ins. & Goodville donate to Mount Joy Food Bank

a group of people standing in a roomGoodville Mutual offered our agency a choice to pick a non profit who could benefit from a donation.  

On August 22, 2025 Jamie and Damian Rutt met with Todd Heisey from Goodville Mutual to present a check for $1000 to the Mount Joy Food Bank.    The helpers there serve the most needy in our community with fruits, vegetables and meats along with other needed supplies.  Please join me in thanking Goodville Mutual for this most generous offer.

-- Jamie Rutt, President, Rutt Insurance

Posted 7:16 PM


FRIDAY, AUGUST 1, 2025

Summer Homeowners Tips for the Savvy Homeowner

Summer Homeowner Tips

Home RepairFor many, there is no better time of year than summertime to be outside in the yard enjoying the weather and sunshine. Warm temperatures and longer days make the perfect backdrop for picnicking and barbecuing. A bit of time spent on seasonal maintenance can help keep your home in shape for the warmest season.

Start of the Season
  • Preparing your home for the warmer months should produce a sense of satisfaction, not dread at what might be damaged, broken or need replacing.
  • Be sure to check both inside and outside the home for damage or wear and tear, as well as evidence of any unwanted guests, such as wildlife or rodents. Also, walk the property to make sure nothing looks out of place, and do a full-view check as well as a close visual inspection of the house.

Inside the House

  • Check electrical outlets and cords for potential fire hazards, such as frayed wires or loose-fitting plugs. Extension cords and power strips are not designed to be permanent fixtures and should only be used on an interim basis.
  • Clean or replace your furnace filter to help reduce any fire hazard. Likewise, clean your dryer vent and lint trap, as well as the space under your dryer.

Outside the House

  • Check the windows and doors, as well as their frames for any evidence of damage, and walk the perimeter of the house for any obvious changes or damage. Also, have your roof regularly inspected by a professional to identify areas of potential leakage.

 

THINK LITITZ: Originally Published by Lititz Mutual Insurance Company

Posted 12:17 PM


TUESDAY, JULY 1, 2025

Firework Safety Tips for July 4th

fireworks in the skyFirework Safety Tips for July 4th

4th of July is a day where we celebrate the thirteen colonies claiming their independence from England and more commonly a day where friends and family gather for food, music and beautiful firework displays across the country.  Many of us will also purchase consumer based fireworks to celebrate on our own, however these certainly come with risks.

Did you know that according to the Consumer Product Safety Commission’s 2014 Fireworks Annual Report by Yongling Tu and Demar Granados, fireworks cause a yearly average of 18,500 reported fires and resulted in over $21 million dollars in direct property damage in 2013.

Fireworks are also a leading source of emergency room visits each and every year on the 4th of July.  Check out some injuries by the numbers below.

 

Firework Injuries:

  • Sparklers accounted for roughly 28% of all emergency room firework injuries.
  • More than 33% of firework injuries are to the hands or fingers.
  • Children 5-9 years of age were 2.4 times as likely as the general public to be injured by fireworks.
  • Males account for 74% of firework injuries
  • Only 6% of firework injuries are caused by public displays

Fireworks cause an average of 18,500 fires per year.

4th of July Safety Tips

Firework Safety:

  • Sparklers burn at 1200°F – Don’t point them at yourself or others.
  • Never light fireworks in hand; only light fireworks while they are placed on the ground.
  • Never attempt to light multiple fireworks at once.
  • Never allow young children to handle sparklers.
  • Never light any fireworks that appear damaged or torn.
  • Don’t take apart fireworks or attempt to make your own.
  • Always keep a fire extinguisher and water source nearby in case of emergency.
  • Never dispose of used fireworks in trash cans until completely cool.

Grill Safety Tips:

The 4th of July just isn’t the same without sharing some amazing BBQ with your friends and family.  Be sure to check for the following before throwing those steaks, burgers and dogs on the grill.

  • Always check your grill’s hoses for cracks and leaks.
  • Never grill indoors or near surfaces that can catch fire.
  • Keep the grill at least two feet away from decks, siding and other surfaces.

We wish everyone a very happy and safe 4th of July celebration.

originally published by Mammoth Restoration http://mammothrestoration.com/

Posted 9:08 PM


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