Beat the Heat — and Your Air Conditioning Bill — This Summer

Did you know that, according to the U.S. Department of Energy (DOE), Americans spend about $11 billion each year on air conditioning? That might not be such a surprise if you’re the one who writes the check for your household energy bill every month.

Believe it or not, you can spend less on cooling costs while still keeping cool in Minnesota. Here are five things to do before you reach to adjust the thermostat:

1. Make sure your house isn’t part of the problem. If your home isn’t insulated and sealed well, warm air could be leaking in, sabotaging your efforts to cool things down. Make sure all cracks and openings are sealed, along with your ducts. The DOE says air loss through ducts can account for 30 percent of the energy a cooling system uses.

2. Keep that breeze flowing. Natural ventilation is a great way to decrease the temperature in your home without using any energy. Open windows in the mornings or evenings when the air is cool and get a cross-breeze going throughout the house.

3. Check that the heat isn’t on. You might be heating your house in the summer without realizing it. How? By using the oven, stove or other appliances that generate heat. Cook outside whenever you can, and use the dishwasher and clothes dryer at cooler times of the day if possible.

4. Create your own personal cool zone. Cooling the whole house might not be necessary if you’re only using a few rooms. Set up fans (ceiling fans will allow you to set your thermostat a few degrees higher), drink plenty of cool liquids and eat cold foods, which can help lower your body temperature. You might even consider wearing a damp shirt to stay comfortable or putting an ice pack on your forehead, the back of your neck or your wrists.

5. Don’t forget the basics. When it’s sunny outside, keep your curtains closed. Minimize your use of lights, as they generate heat. And, when the outside air is warmer than the air in your house, close the windows to keep the cool air in. We can’t promise these tips will keep you just as cool as when you kick back and turn on the AC full-blast. But saving money every month? That’s pretty cool, too.

Boating in the Land of 10,000 Lakes

 

Known as the Land of 10,000 Lakes, it is only natural that Minnesota is home to many boaters. If you own a vessel or are thinking of buying one, you should learn as much as possible about MN boat insurance.

With our expertise and knowledge, you are in good hands when shopping for a policy. We can help you decide which type of coverage is best, while also saving you money. This is the best of both worlds.  Typically, however, a homeowner’s insurance policy will only cover damage to your boat that occurs while it is on your property. Further, the amount of coverage offered is typically less than in a boat insurance policy, which can lead to problems if the boat is damaged.

You are required by law to register your boat in the state of Minnesota. There is no way around this. If you take to the water without the proper registration the end result could be a large fine from the authorities. The type of boat, its length, and the expected use of the boat will largely dictate your boat insurance rates. Whether you have a speed boat, a small fishing boat or a yacht will make a big difference in what you pay. In general, boat insurance costs typically range from $300 to $500, on average. When you buy Minnesota boat insurance you will feel much better every time you head for your favorite lake or river. You will know that your boat is protected, meaning that you are financially protected as well.

Minnesota does not require a boating license for boaters, but requires a Watercraft Operator’s Permit for boaters between 12-17 years of age who wish to operate a personal watercraft. The boating laws of the state require that the person operating a boat should not be under the influence of intoxicants.

We hope this helps answer some questions if you are considering buying a boat this summer. If you already own a boat and want to make sure you have the best coverage for your needs, feel free to reach out at 952-479-5781 or email us info@mysentinels.com

Happy Cruising!