How to lower your risk for an insurance claim in the winter in Santa Fe Springs

Five Things To Consider This Winter That Can Impact Your Insurance

Avoiding Frozen Pipes

How to lower your risk for an insurance claim in the winter in Santa Fe SpringsWhen the temperatures drop in the winter, there is a possibility that your water pipes could freeze. Since water expands when it freezes, there is a chance that a pipe could burst, which could cause major damage to your home. To avoid this from happening, install frost-proof hose bibs, find and wrap exposed water pipes and keep garage doors closed.

Driving in the snow and ice

Auto accidents during the winter are often related to slick roads and driving in poor weather conditions. Whether you live in a climate that gets yearly snow and icy roads or you are traveling to a climate that does, every driver should have the knowledge for driving in these conditions.

A few things to consider:

  • If your vehicle starts to slide on the road, take your foot off the gas until you regain traction. While it can be natural to want to slam on your brakes, try not to do this.
  • Make sure your vehicle has plenty of windshield washer fluid. The last thing you want to do is run out of fluid on muddy, frozen roads and have it impact your visibility.
  • Always check weather conditions. If conditions are bad and you still have to make your trip, allow yourself extra time to get to your destination. This allows you to drive slower as well as give yourself more distance between other cards on the road.

Liability concerns regarding ice or tripping hazards in your driveway

With more people doing home delivery for groceries, gifts and other necessities during the pandemic it is important to keep your delivery area clear of hazards. Avoid being held liable for a slip and fall injury claim by keeping your driveway and stairs clear of hazards for your delivery drivers. Keep extension cords tucked safely away, make sure steps and driveways are free of ice and slippery surfaces are scrubbed clean. A huge thank you to delivery drivers everywhere.

Review your policy

Life changes, so should your insurance policy. If you need an agent to review your current insurance policy, reach out to us! There are many scenarios where an update to your insurance policy may be necessary. Items such as a kitchen remodels, a big-ticket purchase like jewelry, art, collectibles or antiques or if you are driving less to name a few. If you are shopping prices or want to change your coverage, reach out to us. We can shop all our insurance carriers and help you find a policy that suits your budget and coverage requirements. We will always explain your coverage options too.

Watching for rodents

Rodent damage isn’t always covered by your home insurance policy. Rodents are always looking for a warm place during the winter months and likely would prefer to enter your home if given the opportunity.

Here are a few tips:

  • Cover all holes and gaps in your crawlspace by checking your screens and access panels.
  • Never store food in your garage or crawlspace. Also leave your pet food in a safe place. It can be stored high on racks or in an airtight container.

If you suspect a rodent may be in your crawlspace, consider calling a professional to come out and look.

Insurance Advertising Trends

Insurance Advertising Trends

Insurance Advertising TrendsWhen did commercials become interesting and funny? Watching TV has become more about how entertaining the commercials are versus the sports we happen to be watching, like a big football game.

Advertising is big business and insurance advertising represents one of the biggest spenders. In fact, the three largest insurance companies spent a combined 1.62 billion dollars on advertising in 2019, according to statista.com.

Today, we will look at some of the trends that insurance companies have had over the past decade or so.

Market Position

One of the most common trends with insurance advertising has been insurance companies touting their size as if that is an indication of their good products. The advertisements often say they are the biggest insurer of certain products like commercial truck, motorcycle, auto or home insurance to name a few. While size is important for investors, there are many regional companies who offer great insurance products and have financial stability. As an independent insurance agent, we offer many great regional choices as well as large industry leaders so you can choose the right company for you.

Humor

There are some hilarious insurance commercials. However, it seems like the funniest ones have absolutely nothing to do with insurance! The truth of the matter is insurance is serious business, but when it comes to attracting new customers, the best commercials are the ones lacking seriousness.

Fear

Slow motion car accidents, houses burning, burglary, teen drivers killed in accidents… Insurance is meant to protect you from accidents and devastating property damage or injury. It is no wonder that some insurance commercials aim to incite fear to get consumers to act claiming they can protect you from these things. While in fact no insurance company can protect you from the dangers of driving or a devastating flood from occurring, they can however protect you from the financial losses that are incurred because of these life-altering events.

Claims Scenarios

When it comes down to it, when you purchase an insurance policy, you are paying for financial protection and claims assistance. Many insurance companies today advertise purely on the fact that they covered certain scenarios or claims that occurred. Some of these are scenarios are humorous and others are quite serious.

When it comes to your insurance, most companies you can choose will provide you with exactly what they say – insurance coverage for catastrophic events in your life. While most of us will have to endure an insurance claim at some point in our lifetimes, the best we can do for you is fit you with an insurance company that truly meets your needs the best and offers you and your family the auto, home or business insurance you require.

Chances are we offer more than one of the insurance companies you have seen on TV and we can provide you with a quote on them as well as many other great insurance companies. Contact us and we will provide several quotes for auto insurance, property insurance and more!

Three home insurance topics to discuss with your agent in Santa Fe Springs, CA

Three Home Insurance Topics To Discuss With Your Independent Agent

Three home insurance topics to discuss with your agent in Santa Fe Springs, CAOwning a home is a great way to build wealth and give your family a place to build memories. Insuring your home correctly is important to protect your investment and your family’s well-being. Today we will go over three things to discuss with your insurance agent regarding your home insurance policy.

  1. You remodeled.

A new bathroom, a custom kitchen, hardwood floors or a new outdoor living space all add value to your home. Not only are they improving the function and livability of your space, but you have increased the replacement cost of your home. By discussing these changes with your insurance agent, they can run a replacement cost estimator and ensure that the changes you have made still fit your current policy. They can easily adjust your existing policy to ensure your new features are covered in the event of a catastrophic loss to your home.

  1. You changed mortgage companies

Do you ever wonder why you never see an actual bill for your home insurance? It is likely because your mortgagee is paying it. Homes that are financed are required to carry insurance, which is why your mortgage company pays the bill, then includes it in your monthly mortgage payment (typically listed as “escrow” on your bill). If you change mortgage companies, be sure to contact your insurance agent and let them know who the new company is. This way, your home insurance company will not have a skipped payment. Insuring your largest investment is serious business and a lapse in coverage can be catastrophic. If you refinance or receive a notice that the lender is changing, send a quick email to your agent informing them of the change.

  1. Your home insurance premium seems out of line

If it has been a while since you shopped your home insurance, you may be wondering if your current home insurance company is the most cost-effective solution and that the coverages you originally had are still the best for you. Because we are an independent insurance agency, we represent many of the top-rated insurance companies. We can compare coverages, pricing, and deductibles side-by-side so you can review what you have now and what other companies offer. This way, you know your asset is properly insured with the right coverage for you. Nothing you do not need and certainly everything you do need!

A home insurance review can take just a few minutes of your time but save you a huge headache down the road. If you would like to review your coverage with one of our agents, simply call and schedule a time. We might even have a new company who offers specialized coverages that would suite your needs better at this time.

How to keep truckers safe on the road in Santa Fe Springs, CA

Tips for Truckers to Stay Healthy on The Road

How to keep truckers safe on the road in Santa Fe Springs, CAMaintaining a healthy lifestyle, especially during these challenging times with the COVID-19 pandemic, is very important for every truck driver in America. Here are four ways to stay healthy on the road.

  • Choose More Nutrient Dense Meals

There are a few ways to do this.

First, start packing your own meals.

Packing your own meals will not only save you time and money, but it can also help save you calories. Instead of focusing on what not to eat, focus on what you should eat more of. Food choices such as vegetables, fruit and other higher fiber snacks and meals is a great start. Want to pack your own meals? Consider buying a cooler that acts as a refrigerator for your truck. All you have to do is simply plug it into the accessory plug.

If you are dining out, consider choosing meals that are vegetable dense. Skip the fried food if you can or look up the calories on a restaurant’s website. All these things can help.

Again, instead of focusing on what not to eat, focus on eating what you should be eating more of. So, if you have the mindset of eating as many vegetables, fruit and other higher fiber meals, you are off to a great start.

  • Move Your Body

Driving = sitting for hours and hours on end. Many truck drivers may experience easy weight gain from lack of movement as well as high calorie food choices. So, find a way to move your body as much as you can. Ideas: dedicate 30 minutes of walking, make a habit of doing body weight strength exercises such as pushups or squats outside of your truck, or even find time to hit the gym. Any effort in moving your body is positive.

  • Follow Good Hand Hygiene

We all know the importance of good hand hygiene with the COVID-19 pandemic. Wash your hands often, but also wash your hands well. Experts say washing your hands for 20+ seconds and thoroughly washing between your fingers, on top of your hands or scrubbing the tips of your fingers is all beneficially.

  • Get Quality Sleep

There are many ways to get quality sleep, but the first step is making sleep a priority. Shoot for 7 hours a night. How can you get good, restful sleep? Create a dark environment, consider a white noise machine or wear ear plugs to block out noise, limit caffeine intake 5 hours before bedtime, limit or avoid nicotine and other stimulants and lastly, make sure you have a good pillow!

While we can’t keep you healthy or make your lunch, we can find you a great rate on truck insurance. Contact our agency for a quote with our top carriers to help you find the best rate. Contact us by calling us, emailing us or filling out a quote form through our website. We look forward to earning your business!

How to lower your risk for a deer collision in Santa Fe Springs, CA

Active Deer Season & How to Lower Your Risk for a Collision

How to lower your risk for a deer collision in Santa Fe Springs, CADid you know that there is an increased chance of hitting a deer from October to December? Yes, this is considered deer season so it’s important to keep an extra eye out for deer this time of year.

Being informed is key to staying safe on the road. We’ll go over a few things to help lower your chances of hitting wildlife while driving this time of year.

When Should You Be Most Alert?

While wildlife can show up any time, you should be extra cautious around dawn and dusk when animals are most active. If you are driving on the highway or even in rural areas, keep a close eye on each side of the road since that is where many animals will be. If you are driving with someone in the car, ask your passenger to help you watch out for wildlife.

If an Animal Jumps Out in Front of You, Should You Swerve or Brake?

Always hit the brakes. While it is natural to want to swerve to avoid hitting the animal, you will want to hit the brakes, hold onto the wheel and stay in your lane as best as you can. Swerving while driving fast can increase your risk for an injury or car accident.

If I do hit an animal, am I covered?

First, you will need to know a few details of your current auto insurance coverage. Comprehensive and collision insurance can provide you with insurance coverage. Comprehensive insurance covers your vehicle when you make contact with an animal while driving. It is important to keep in mind, however, that if you decided to swerve, missed the deer or animal and strike a tree then you could be covered by collision insurance on your auto policy. Because every insurance carrier is different, their claims department will handle it with the coverage they feel is most fitting to the situation.

Interesting fact

What states have shown the most auto insurance claims for deer or wildlife collisions? West Virginia, Iowa and Pennsylvania had the highest November claim frequency according to Highway Loss Data Institute.

If you have questions about your current auto or vehicle insurance coverage, reach out to our agency. We can go over your current coverage, re-quote you for a better rate, or simply answer any questions you have about auto insurance.