If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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By Maiclaire Bolton Smith | 2020 In the past 10 years, the U.S. has seen 121 events produce damage in excess of $1 billion. Globally, this escalates with many more events around the world. From major hurricanes and...

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Daddy was 81, when he died. This heartbreaking news left us struggling to imagine a world without our father. My sister and I went to clear his home in the retirement community where he lived, just a few days after his...

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Our client, Jordan, has been a client with Withers for many years. She is always watching her budget and trying to save money for her first home. She recently bought a new car and was so excited. We were lucky enough to...

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We have so many fantastic community-oriented businesses as clients that we wanted to tell you all about them. Yoga Studios, keeping us healthy, mentally, and emotionally! Local restaurants, feeding us, keeping us sane...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity - particularly this...

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CONTRACTOR LICENSE BONDS‼️⁣ We write contractors licensing bonds in a matter of minutes with just three things. We would need your Business Name & Address, Date of Birth and your Social Security Number, that's it!...

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Being adequately insured in 2021 is all the rage. The big trend is making sure you are guaranteed at a competitive rate. It is imperative to ensure you have the proper coverage in everything you insure. How can one be...

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What do you think is most important in an Insurance Agency? Coverage is important, yes! Customer Service is also important. There isn't anything quite as annoying as not being able to speak to an educated agent about...

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Auto/Car Insurance is a necessity and a law. So what happens when a person hits you and has no insurance? Always follow the protocol, take photos, exchange all pertinent information. However, be even more alert as fast...

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Has it crossed your mind as you wonder how or even if your business will survive this global pandemic? We know how hard it must be to make ends meet. We have clients that have seen a drop in sales, a reduction in their...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Did you know that the four most common claims during December are: 𝗙𝗜𝗥𝗘𝗦⁣,The only fire anyone wants during the holidays is in a supervised fireplace. But every year, dried out Christmas trees, unattended candles, and...

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If you have sand toys, such as side by side, razors, sand rails, ATV’s and dirt bikes, then you have landed on a great blog to read. Withers Insurance Services has insured these types of toys for decades. We have not...

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Thank you for visiting our blog, We consider ourselves experts at Commercial Insurance and we hope this information helps you better understand your own business needs. Withers Insurance Services knows a lot about...

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Whoa, that was the craziest wind! What started as a typical Saturday morning ended up looking like a hurricane. On October 26th, 2020, Southern California endured powerful winds with gusts up to 96 miles per hour in...

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Today, we invite you to help us toot our horn or pat ourselves on the back. You have been gracious enough to tell us how helpful we are by leaving us 5-star ratings on Google. We are honored and humbled by our clients,...

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What does it mean when you refer a client to us? The first thing it tells us is that you care enough about us and your friends and family to share a good thing you have found. Did you know what we take your referrals...

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Most of us love the rain: the snow-topped mountains, snow skiing season, hot cocoa, and much more. The rain is much needed here in sunny Southern California. Having had such a hot summer and then a ton of rain in a...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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The 19th Amendment granted women the right to vote and reads: "The right of citizens of the United States to vote shall not be denied or abridged by the United States or by any State on account of sex. It was officially...

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What is General Liability Insurance, and why do I need it? It is usually the first question we get when speaking with businesses. Our answer is pretty simple: "It makes good business sense to be covered." Without...

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So many families took to the road when the pandemic hit. The world stood still for a moment while we all worked to slow the spread of COVID-19, which presented an opportunity to work from home. Parents began working...

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Have you seen this photo of Avenida Del Mar in San Clemente? We think this was c.1950; look at all the classic cars on this street. We love the history in our Spanish Village by the Sea! San Clemente was named after an...

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What is a risk, and how does it affect us personally or professionally? Well, the definition of risk from Webster dictionary says this: "The possibility that something bad or unpleasant (such as an injury or a loss)...

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Attention all business owners, we know how important it is to protect your livelihood. Sometimes you can be unsure of the coverage you should have vs. not. I mean, you are the expert at your business; we don't expect...

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Who would have thought that bundling or combining your Homeowners Insurance policy with your Auto Insurance policy could make such a significant impact on your annual premiums? The biggest benefit of bundling is...

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It's a quiet Sunday morning in San Clemente. This photo shows our iconic railroad tracks along the ocean's edge in our little seaside community. You can find small boutique type hotels, yummy bakeries, delicious...

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Kitchen fires continue to be the number one cause of house fires and home fire injuries. This year, Orange County Fire Rescue joins the National Fire Prevention Association and departments across the nation to highlight...

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𝘔𝘰𝘵𝘰𝘳𝘤𝘺𝘤𝘭𝘦𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘪𝘳𝘭𝘴 𝘵𝘰𝘰! ⁣ That's right; anyone can ride. It's so exhilarating to be in the open air, on the back of a bike; especially around San Clemente. Picture riding along the coast through Dana Point,...

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⁣ Can you imagine what it would feel like to have the day of your dreams canceled? I guess it wouldn't be terrible if you knew you had Wedding Insurance through Withers Insurance Services. We have been named the best...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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⁣ We insure all homes, family home, rental properties, mobile homes, prefabricated homes, summer and winter homes. We insure all types of homes. We even insure homes on wheels only under a recreational vehicle policy,...

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⁣ It’s Pumpkin Spice time so grab a cup of Joe and head over to your desk. Pull out all of your insurance policies, auto insurance, homeowners insurance umbrella insurance, and lay them out in front of you. Let's review...

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We sure have been hearing more about moratoriums than ever before, some of you have called us asking if and how you may be affected by them. We are your local orange county insurance agency that is well versed in...

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Whether you are buying or refinancing a home in San Clemente, Laguna Beach, Newport Beach, Irvine or anywhere in California, now is a great time to review your insurance. Many new homeowners accept the insurance that...

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D𝗪𝗵𝗮𝘁 Distracted driving is the one of the leading causes of accidents on the highway today. With kids back in school, it's something to think about. Talk to the your children about the risks and always set a good...

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September is Life Insurance Awareness Month. ⁣ ...⁣ Life Insurance plays a big role in protecting families' financial security. If you currently do not have life insurance, there is no better time than now to inquire....

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PG&E Settlement Announcement

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Hello American Farmers, Central California Farmers, and all who provide fresh vegetables and fruits to our families. We appreciate your hard work and sacrifice daily to keep fresh food on our tables! Withers Insurance...

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Be Safe Sunday! ... While Firefighters‍ are making headway on many of the wildfires raging across California (thank you,heroes!) there is no better time to make sure you are prepared. ... Swipe ⏪ for fire safety tips...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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Did you know that..... We write insurance policies for: Home Auto Umbrella ☂ Recreational Vehicles ‍♀️ Farm Equipment Life ‍‍‍ Health Workers Compensation Commercial Business Pet Professional Liability Aflac 🦆 Event Ins...

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Attention All Business Owners! Times have certainly changed, business isn't exactly what it was before the recent pandemic. We understand that opening the doors is much harder than it used to be and that's why we want...

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𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄.....⁣ ...⁣ We insure every kind of “home” you have! ⁣ ...⁣ Family Home Rental Property Vacation Rental ...⁣ Coverage amounts might look different for each of these types of properties. Will you give us the...

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𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘂𝘀 𝘆𝗼𝘂𝗿 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝘀𝗵𝗼𝗽𝗽𝗲𝗿... 𝗼𝗻𝗹𝘆 𝗳𝗼𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲! ⁣ .⁣ .⁣ Personal shoppers save you 𝗧𝗜𝗠𝗘 by searching for the items you want, they also save you 𝗠𝗢𝗡𝗘𝗬 because they 𝗞𝗡𝗢𝗪 a good deal when they see it and they know...

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Five Reasons to Have Umbrella Insurance ⁣ Claims can be expensive. If you don't have enough insurance, you're taking on a lot of risks ⁣ You could be sued. Umbrella insurance also protects you against expensive lawsuits....

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What to do in the event of a fender-bender: ⁣ ⁣ ️ Always assess injuries and if there is any imminent danger near (power lines down, gas leak, fire) ⁣ ⁣ ️If someone is hurt call for medical assistance @ 911⁣ ⁣ ️Move to...

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Yvette loves saving families money. She is well versed in personal lines, home, auto and umbrella policies and she is bilingual. You can use the chat bot on our website (lower right hand corner) and ask for Yvette. You...

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My Grandmother was linen and china obsessed! As a child going to Macy's, Buffam's, or even May Company with her, she was happiest when shopping in the housewares department. She didn't shy away from spending good money...

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TThis is one of the most expensive cars offered today! This is a “Koenigsegg CCXR Trevita” It sells for $4.8M. While Withers Insurance Services does not insure one of these fast and furious cars, we do insure cars in...

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If you or someone you know needs help with business insurance, give us a call. ⁣ ⁣ We want to help! We can work together to find the perfect amount of coverage for your business property, assets, equipment and much more....

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𝗪𝗘 𝗔𝗥𝗘 𝗛𝗜𝗥𝗜𝗡𝗚! ⁣ ⁣ Are you looking for a career not just a job?⁣ ‍ Are you driven and self motivated?⁣ Are you willing to work hard? ⁣ ⁣ If you answered yes to all of the above, then you may have found what you have...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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𝗪𝗵𝗮𝘁 𝗽𝘂𝗿𝗽𝗼𝘀𝗲 𝗱𝗼𝗲𝘀 𝗪𝗼𝗿𝗸𝗲𝗿𝘀 𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻 I𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘀𝗲𝗿𝘃𝗲? ⁣ ⁣ It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work⁣ ⁣ it usually...

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When you borrow money to buy a home lenders require you to purchase homeowners insurance to protect them and their investment. ⁣ ⁣ Unfortunately, many homeowners do not completely understand the details of the type of...

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𝙃𝙚𝙖𝙡𝙩𝙝 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙎𝙩𝙖𝙩𝙞𝙨𝙩𝙞𝙘𝙨 𝙛𝙤𝙧 𝘾𝘼 𝙖𝙧𝙚 𝙨𝙝𝙤𝙘𝙠𝙞𝙣𝙜! ⁣ ⁣ ☑️4 million+ people in CA lost their jobs this year 🤦🏼‍♀️⁣ ⁣ ☑️61% of those relied on employer sponsored health insurance ⁣ ⁣ We work closely with all large insurance...

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Look at these cool vintage phones! ️ Can you imagine what must have been said across these phone lines? This was state of the art communication at it’s very best! My how times have changed! Today we rely heavily on text,...

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𝙏𝙤𝙥 𝟭𝟬 𝙍𝙚𝙖𝙨𝙤𝙣𝙨 𝙔𝙤𝙪 𝙎𝙝𝙤𝙪𝙡𝙙 𝙃𝙖𝙫𝙚 𝙇𝙞𝙛𝙚 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚:⁣ ⁣ Cover Burial Expenses Pay Off Debt you leave behind College Planning⁣ Build Cash Value⁣ Diversify Investments⁣ Business Planning⁣ Estate Taxes⁣ Coverage is Affordable⁣ ⁣...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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Cars are made to be driven. With @Hagerty, you'll never be held to a fixed mileage limit - as long as you're not driving your classic every day.⁣ ⁣ What is the difference between “Agreed Value” and “Stated Value” you...

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Withers Insurance is open and operating as normal. While we are practicing social distancing by working from home, we are still here ready to serve you during this critical time. Now may be a good time to call us for a...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Make your vacation a great one - Whether you’re planning a trip to a local attraction in California this summer, or headed all the way across the country, you want your vacation to be relaxing. It’s a getaway from work,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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....Homeowner’s insurance can protect belongings outside the home, too. If something is stolen from your car, auto insurance won’t cover it—but your homeowners policy likely will. Most policies will cover your...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Referrals: Did you know a referral is the biggest compliment you could give us?.... It says "Thank you" in the best way possible. So Thank you for referring us when your friends and family bring up insurance! It means a...

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As an independent insurance agent, I will say that one of the best ways customers can prepare for the unexpected is by creating a thorough list of personal property before a claim occurs. That process just became much...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Did you know, each year between 2011 to 2013, an estimated 2,100 residential building fires were reported to fire departments on Thanksgiving day? They caused an estimated 10 deaths, 50 injuries and $28 million in...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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If you are like most people then you may think whenever you have a claim that "everything" is covered..... It is horrible to have a loss like theft, or natural disaster. What can make a devastating loss even worse is to...

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Its Monday Night Football.... Yes, the season is here. Some love it while others hate it!~ Me?... I love it, it means fall is upon us, hopefully some rain, and of course really good food. The whole Fantasy Football...

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The Benefits of working with an independent Insurance Agent- Its like having your own "Personal Shopper" but for insurance! I don't know about you but when I go shopping I love it when an employee from the store comes...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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