The McCamon-Hunt Insurance Agency is a full service independent insurance agency located in Youngstown, Ohio. We represent multiple insurance companies that give our agency a competitive marketing advantage. As you will see throughout our site, we are dedicated to personal service for current and prospective clients.
We encourage prospective clients to browse our site to review the numerous products and services our agency offers. Please take a moment to visit our important links section to view the list of companies that we represent.
Full Service Agency
We are an independent agency with the customer in mind. We have relationships with numerous insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you. As an independent insurance agent we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent.
Snowbirds: Winterize Your Home While You're Away
If you are a snowbird heading south for the winter, there are several key things you can do to help protect your vacant home. Taking these steps can help protect your home from theft, water damage, heating or electrical system malfunctions and other possible threats while you are away for an extended period of time.
1. Make Your Home Appear as Though It Is Continuously Occupied
- Forward your mail, stop newspaper delivery, and ask a friend or relative to collect flyers or other items that may be left at your door.
- Arrange for someone to remove snow after storms.
- Put motion-sensitive exterior lights and interior lights on timers and set them to come on at varying times to discourage prowlers.
2. Take Steps to Protect Your Home from Thieves
- Confirm that your alarm systems are in working order and have been activated.
- Secure external doors and windows with deadbolt locks, security-type hinges and sturdy door frames that cannot be spread apart. Install slide locks or other equivalent security locks on sliding glass doors or French doors.
- Store valuables that you are not taking with you in a safe deposit box or other secure offsite location.
- Do not post your vacation or travel plans on social media sites, as potential thieves can use that information to learn that your house is vacant.
3. Protect Your Pipes to Avoid Water Damage by Turning Off Your Water Supply
- If a pipe bursts or leaks while you are away, it could cause significant damage. Consider completely turning off the water supply if no one will be in the home for an extended period of time. If your home is heated by an older steam heating system, consult with your heating professional to determine if it is safe to turn off the water supply for your particular heating system. Also, if your home is protected by a fire sprinkler system, do not turn off the water to this system.
- Drain your pipes of all water by opening the faucets, and flush your toilet to clear the water from the tank and bowl, then consider pouring antifreeze in toilet tanks and bowls to prevent any remaining water from freezing and cracking.* Always use non-toxic antifreeze rated for plumbing systems.
- To help confirm that the pipes have been drained, consider having a plumber blow compressed air through the pipes.
4. Keep Your Home and Plumbing Warm if Your Water Supply Stays On
- If you decide against draining your water pipes, keep the furnace running to help ensure the home stays warm and the pipes do not freeze.
- Set the temperature at 55°F or higher to help keep the interior of the floor and wall cavities, where the water piping is likely located above freezing temperatures. Keeping room and cabinet doors open also helps heat to circulate and warm the areas where pipes are located.
- Shut off the water to washing machines and dishwashers where possible, to avoid any leaks or broken hoses while you are away.
- Turn off the heat source and water supply to hot water heaters (if separate from your boiler).
- Consider shutting off and draining outdoor water faucets to prevent vandalism and freezing damage.
- Have a water flow sensor and low temperature sensor installed on your main water supply pipe and hooked into a constantly monitored alarm system or your smart phone.
5. Perform Routine Maintenance Before You Leave
- Have your heating system inspected and serviced before winter. Have your fuel tanks filled before you leave, and ask someone to check on heat and fuel levels regularly while you are gone.
- Be sure to maintain electrical power if required to keep the heating system running. If electrical service to the home is to remain on, consider having a licensed electrical contractor inspect your main electrical panel, wiring and outlets, if necessary. This way, they can repair or replace anything that may be defective.
- Have your roof inspected before you leave and clean your gutters to help prevent ice from building up.*
- Remove dead trees or large overhanging limbs that could damage your house.
- Unplug all unnecessary appliances before you leave. Make sure you can retrieve messages on your home answering machine or voicemail so it does not indicate FULL or unattended when someone calls.
6. Make Your Home Unattractive to Pests
- Clean your home thoroughly to help discourage new “residents” from moving in.
- Clean, defrost and unplug refrigerators and freezers, wiping them dry and leaving doors propped open to prevent mildew. Also clean the oven.
- Inspect your home for openings that animals could use to enter. For example, make sure your fireplace flue is closed, as bats, birds and squirrels are known to get inside this way.
- Check weather-stripping, insulation and exterior doors and windows to ensure no major deficiencies are present. Water and insects can enter through these openings.
- Chimneys should be inspected by a chimney service and, if necessary, cleaned to ensure that they are free from obstructions such as nesting birds. Install chimney guard screen-caps to help prevent any infestation.
7. Be Ready for Emergencies
- Notify the police department that the property will be vacant, and provide emergency notification numbers.
- Install smoke detectors on at least every floor (preferably tied to a constantly monitored fire alarm system so the fire department will automatically be notified in case of alarm), and confirm that the sensors and system are tested regularly.
- In higher wind-exposed or coastal areas, install storm shutters (or other mitigation measures, such as 5/8” marine plywood) to secure windows. Properly anchor personal property that will remain outdoors.
- Ask a trusted friend, neighbor or relative to keep an eye on your home and be available in emergency situations. Give them access to your home so they can regularly monitor heating, electrical and water systems.
- If the weather turns frigid, have them also check the roof for ice dams and inspect for leaks inside. Make sure they have your contact information and a list of local contractors they can reach if repairs or service are needed.
Companies and Achievements
Property and Casualty
Cincinnati Insurance Company - Presidents Club
Selective Insurance Company
Utica First Insurance Company
Westfield Insurance Company - Platinum Agency
Health & Life Insurance
Anthem Blue Cross and Blue Shield - Elite Agency
Cincinnati Life Insurance Company
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