From the category archives: Blog

7 Ways To Save On Auto Insurance

Written by on 6/11/2015 7:29 AM . It has 0 Comments.

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 ...

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Here Comes The Bride: Why Invest In Wedding Insurance

Written by on 5/3/2015 5:45 PM . It has 0 Comments.

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 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 ...

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6 Reasons To Consider Earthquake Insurance

Written by on 4/15/2015 3:04 AM . It has 0 Comments.

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. It&rsquo ...

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Protection For The Finer Things In Life

Written by on 11/9/2014 3:55 PM . It has 0 Comments.

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 ...

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9 Tips For Handling Water Damage

Written by on 10/21/2014 6:15 PM . It has 1 Comments.

Picture this: 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, ...

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Quarterly Grand Prize Referral Winner - GoPro HERO3!

Written by on 7/14/2014 8:31 PM . It has 1 Comments.

Mike ZCongrats 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

10 Common Car Seat Mistakes to Avoid

Written by on 6/9/2014 5:45 PM . It has 1 Comments.

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 ...

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What The Remodeling Process Means To Your Insurance

Written by on 4/30/2014 6:15 PM . It has 0 Comments.

If you plan to remodel your home, make sure that the house, the contractor and the subcontractors have adequate insurance coverage. Don't make the mistake of waiting until an addition or extra room is completed to increase the insurance coverage on the structure of your home. If the new addition is destroyed or damaged before insurance coverage has been increased, you may be responsible for the cost of repairing or rebuilding the addition. Be sure to contact our office before, or shortly after, construction begins in order to increase the insurance coverage on your house to an amount that reflects the higher value of the rebuilt structure. When hiring a general contractor, find out if the contractor has workers compensation and ask to see a copy of the policy. Workers compensation pays for medical and rehabilitation expenses and covers lost wages if the workers sustain injuries on the job. Injured workers may sue you if the contractor does not have proper insurance. In most home improvement projects, the ...

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How to Escape a Tire Blowout Safely

Written by on 4/21/2014 2:14 AM . It has 0 Comments.

Tire blowouts are bad news for every driver, but did you know they're also a factor in 23,000 road accidents every year, including more than 500 fatalities? Actually, it's not so much the blowout as what the driver does immediately afterwards that causes most of these accidents. For instance, slamming on the brakes and trying to steer to the edge of the highway is, in most cases, one of the worst things you could do because you're raising the risk of losing traction - especially dangerous if the road surface is wet. Instead, the National Safety Council (NSC) says you should grip the steering wheel tightly, take your foot off the gas to let the car slow gradually, and then try to move into the breakdown lane, signaling as appropriate. When you're totally off the pavement, brake slightly until you stop. 

"It's important to have the car well off the pavement and away from traffic before stopping," says NSC, "even if proceeding to a place of safety means rolling along slowly with the bad tire flapping.  ...

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Do You Need Umbrella Insurance?

Written by on 3/4/2014 4:20 PM . It has 0 Comments.

It’s an unfortunate fact that accidents happen — and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? Fortunately, there's an easy and affordable way to ensure you have the protection you need should an unexpected accident occur. For example, what if: Your teenager runs a stop sign, causing a serious accident? A deliveryman falls on your sidewalk and is seriously injured? A babysitter is injured by your otherwise friendly dog? If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, rente ...

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