Posted on 6/11/2015 7:29 AM By Chad Hines
So you’re shopping around for auto insurance. What do you need to know? Well, here are 7 quick tips that you can save money. Many of these money-saving ideas may apply to you.
1 ) ONE INSURER, MULTIPLE POLICIES – Do you have a homeowners or renters insurance policy? If so, is it with the same insurance company that provides your auto insurance? If the answer is no, you’re paying too much – for both policies. Almost every insurance company that sells auto insurance wants its policyholders to also buy homeowners or renters insurance from that company.These insurers offer so-called multi-policy discounts. Usually, these discounts are at least 10% and some insurers apply the discounts to both the auto and the homeowners/renters policy.
2) GOOD DRIVER, GOOD PRICE – It’s no secret that the better your driving record, the less you will pay for auto insurance. But did you know that most people qualify as “good drivers” and are eligible for discounted ...
Posted on 5/3/2015 5:45 PM By Chad Hines
Wedding season is here! So if you, or someone you know, is getting married this year, you may want to know what other brides are up to…
Here’s what Brides.com found out in its most recent American Wedding Study:
Cost. Brides and grooms spent an average of $28,000 on their weddings in 2014, the highest amount seen in almost 20 years. The average wedding cake costs $461.
Planning. Social media is a big tool: 54% of brides have used Pinterest to share their wedding-day dreams; 59% posted images of their engagement rings on Facebook shortly after the proposal; and 46% say most of their friends learned about their engagement via social media.
Traditions. Engagements tend to last longer these days, in part because more couples are paying for their own weddings instead of relying on parental support. 37% wrote their own vows in 2014. May is now the most popular month for weddings, with June in second place, and January and February tied for last. 20% of couples will be married by ...
Posted on 4/15/2015 3:04 AM By Chad Hines
The 1994 Northridge earthquake was one of the costliest natural disasters in U.S history and it almost wiped out one of the nation’s largest insurance companies. It also served as a wake-up call for the state of California, as shortly thereafter, insurers that sell residential policies were required to also offer earthquake insurance.
California definitely tops the list of earthquake danger zones, so here are six reasons why you should consider buying earthquake insurance.
No conventional home or renters policy covers direct damage from earth movement, so you’ll need to purchase a separate earthquake policy to ensure you’re protected against the next “big one.”
Earthquake insurance is not be as expensive as you think. The assumption is that earthquake insurance is cost prohibitive, but that is not always the case. There are a number of different factors that influence the price, so it’s smart for you to learn more about the many available options.
Posted on 11/9/2014 3:55 PM By Chad Hines
Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for jewelry and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through a policy endorsement.
Endorsements are additions to your homeowners, condominium or renters insurance policy that change or add to the policy’s provisions. The endorsement can cover property otherwise excluded from a basic homeowners insurance policy, extend the number of perils included, or increase the amount paid for a covered loss. The items of value are “scheduled” on a list that includes a brief description and the item’s dollar value.
In order to determine each item’s value, an appraisal or sales receipt is typically required. This will help ensure that, in the event of a covered loss, the amount of insurance is enough to cover the ...
Posted on 10/21/2014 6:15 PM By Chad Hines
You’re returning home from a wonderful weekend getaway and open the door to your home to find that your entire kitchen and living room are covered in water!...
In the blink of an eye, all the joy and relaxation from the vacation vanishes and is instantly replaced with pure panic and frustration. Don’t worry, should you ever find yourself in this situation, here are a few tips to help you assess the situation, mitigate the problem and restore everything back to normal…
First and foremost, try to determine the source of the water and shut off the water valve.
If possible, remove the standing water that you can see by sponging or blotting.
Pick up and remove saturated rugs from floors.
Stay out of rooms where ceilings are sagging from retained water.
Place aluminum, saucers or blocks between furniture legs and wet carpet.
Do not operate electrical appliances while in contact with wet flooring/surfaces.
Do not leave fabrics, magazines, ...
Posted on 10/6/2014 5:45 PM By Chad Hines
According to a recent study, 56% of millenials (adults ages 23-35) do not have renters insurance, despite more renters in this age group than ever before.
Over 1,000 renters were polled and the survey found that three-quarters of them were unaware that the coverage was quite affordable. And a whopping 40% do not believe the coverage is a necessity, despite owning thousands of dollars worth of property.
The study raises the question: If you’re a renter and don’t have renters insurance, what are you waiting for?
Renters insurance covers your possessions against damage from things such as fire, smoke, lightning, vandalism, theft and water (but not flooding) - just to name but a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car, or lost or damaged anywhere you happen to be.
In addition to protecting your personal property, renters insurance also protects you in the event that you are responsible for injury or property damage to others. That me ...
Posted on 9/14/2014 12:05 PM By Chad Hines
September is life insurance awareness month! And since the latest stats indicate that nearly 50% of consumers age 25 to 64 do not have life insurance coverage, we figured that now is the perfect time to get the conversation started.
If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death. Purchasing a life insurance policy is a safety net that ensures your loved one’s future financial obligations are met, covering items such as funeral costs, outstanding debt, estate taxes and everyday living expenses.
There are two basic types of life insurance: term life insurance and permanent life insurance. The type of life insurance policy that best suits you will depend on your unique needs.
To help you decide, here are the basics:
OPTION #1: TERM LIFE INSURANCE
Just as its name implies, term life insurance covers you for a specific period of time, or term, that you choose. Since it offers a de ...
Posted on 8/17/2014 7:40 PM By Chad Hines
Dogs truly are man's best friend. They are always there when we need them. But, did you know that we can actually learn quite a bit from studying our furry friends?
Here are 13 things we can learn from our dogs:
- When loved ones come home, always run to greet them.
- Allow the experience of fresh air and the wind in your face to be pure ecstasy.
- Let others know when they've invaded your territory.
- Take naps and stretch before rising.
- Run, romp, and play daily.
- On hot days, drink lots of water and lie under a shady tree.
- When you're happy, dance around and wag your entire body.
- No matter how often you're scolded, don't buy into the guilt thing and pout - run right back out and make friends.
- Delight in the simple joy of a long walk.
- Eat with gusto and enthusiasm. Stop when you have had enough.
- Be loyal.
- Never pretend to be something you are not.
- If what you want lies buried, dig until you find it.
Posted on 7/14/2014 8:31 PM By Chad Hines
Congrats to Mike Zepeda for winning the quarterly grand prize referral contest!
Mike won a brand new GoPro HERO3 camera - valued at $200!
A big thanks to Mike for referring his friends and family to our agency for their insurance needs. We build our business on your kind words and trust in us, so referring friends, family and colleagues is one of the biggest compliments we can get.
2014 Referral Rewards Program
Posted on 6/9/2014 5:45 PM By Chad Hines
June is National Safety Month, and we want to make sure even the smallest member of the family is buckled up the right way. Take some time to learn how to avoid common car seat mistakes with these tips from Mayo Clinic...
Car seat safety is crucial for protecting your child during travel, but knowing how to safely install a car seat and buckle up your child as he or she grows can be difficult. Check out 10 common mistakes parents often make when it comes to car seat safety — and how to avoid them.
1. Getting a used car seat without researching its history
If you're considering a used car seat for your child, make sure the car seat:
Comes with instructions and a label showing the manufacture date and model number
Hasn't been recalled
Isn't more than 6 years old
Has no visible damage or missing parts
Has never been in a moderate or severe crash
If you don't know the car seat's history, don't use it.
2. Placing the car seat in the wrong spot
The safest place for your chil ...