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Withers Insurance Services Blog

All You Ever Wanted to Know About Insurance

Commercial Insurance Policies

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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Roof and Car Damage from Wind Storm

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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Best Insurance Agency in San Clemente

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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Referrals are the Best Compliment

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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Safe Driving in the Rain

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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10 Things to do to Prepare Your Home for Fall

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 youโ€™re at it. Youโ€™ll fix small problems before they become big, and...

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19th Amendment- A Woman's Right to Vote

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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General Contractors Liability Insurance

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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Recreational Vehicle Insurance

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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Historical San Clemente

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...

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Risk Management

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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Commercial-Business Insurance

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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Home and Auto Insurance Bundling

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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Withers Insurance supports San Clemente Businesses

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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Orange County Fire Safety Week Oct 4th -10th

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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Motorcycle Insurance

๐˜”๐˜ฐ๐˜ต๐˜ฐ๐˜ณ๐˜ค๐˜บ๐˜ค๐˜ญ๐˜ฆ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ง๐˜ฐ๐˜ณ ๐˜จ๐˜ช๐˜ณ๐˜ญ๐˜ด ๐˜ต๐˜ฐ๐˜ฐ! โฃ 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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Wedding and Event Insurance

โฃ 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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Itโ€™s Back-to-School Time โ€” Is Your House Ready?

Weโ€™re not quite sure where summer went, but if you havenโ€™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 wonโ€™t...

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Homeowners Insurance

โฃ 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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Fall into Withers Insurance Services, we are here to catch you!

โฃ Itโ€™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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What is a Homeowners Insurance or Auto Insurance Moratorium?

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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Purchasing or refinancing a home is great time to review your Homeowners Insurance

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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Auto Insurance- Distracted Driving

D๐—ช๐—ต๐—ฎ๐˜ 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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Monday Grind

Monday never feels like a grind, when you love what you do! #backtotheoffice โฃ ...โฃ Those that follow us on social media platforms, thank you! If you arenโ€™t currently following us we would love it if you did follow,...

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Withers Insurance will never forget!

Withers Insurance will never forget 9/11 and the sacrifices that were made. We are very proud to share these photos of Yvette, (red shorts) selflessly running with friends this afternoon while holding the American Flag...

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Life Insurance

September is Life Insurance Awareness Month. โฃ ...โฃ 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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Flying into Friday!

๐—ช๐—ฒ ๐—ฎ๐—ฟ๐—ฒ ๐—ณ๐—น๐˜†๐—ถ๐—ป๐—ด ๐—ถ๐—ป๐˜๐—ผ ๐—™๐—ฟ๐—ถ๐—ฑ๐—ฎ๐˜† ๐—ณ๐—ฒ๐—ฒ๐—น๐—ถ๐—ป๐—ด ๐—ด๐—ฟ๐—ฎ๐˜๐—ฒ๐—ณ๐˜‚๐—น! โฃ โฃ Thank you so much for all of our recent client reviews. We are truly thankful! โฃ โญ๏ธWe are quick to reply to DMโ€™s โฃ โญ๏ธCall us at 949.637.2700 โฃ โญ๏ธYou can text us at 949....

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PG&E Settlement Announcement

PG&E Settlement Announcement

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Agriculture Insurance for Farmers & Ranchers

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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Preparation for Fire Season

Be Safe Sunday! ... While Firefightersโ€ 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 โช for fire safety tips...

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Tips for Power Tool Safety

What would you do without power tools? Well, youโ€™d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you donโ€™t have to do without. But you do have to use...

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Homeowners, Auto, General Liability, Workers Compensation Insurance

Did you know that..... We write insurance policies for: Home Auto Umbrella โ˜‚ Recreational Vehicles โ€โ™€๏ธ Farm Equipment Life โ€โ€โ€ Health Workers Compensation Commercial Business Pet Professional Liability Aflac ๐Ÿฆ†...

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General Liability Insurance for Businesses

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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Family Home, Rental Property, Vacation Rental

๐——๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ธ๐—ป๐—ผ๐˜„.....โฃ ...โฃ We insure every kind of โ€œhomeโ€ you have! โฃ ...โฃ Family Home Rental Property Vacation Rental ...โฃ 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

๐—–๐—ผ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ๐—ฟ ๐˜‚๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป๐—ฎ๐—น ๐˜€๐—ต๐—ผ๐—ฝ๐—ฝ๐—ฒ๐—ฟ... ๐—ผ๐—ป๐—น๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ! โฃ .โฃ .โฃ Personal shoppers save you ๐—ง๐—œ๐— ๐—˜ by searching for the items you want, they also save you ๐— ๐—ข๐—ก๐—˜๐—ฌ because they ๐—ž๐—ก๐—ข๐—ช a good deal when they see it and they...

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Five Reasons to have Umbrella Insurance

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

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What to do in the event of a fender-bender

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

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Bilingual Agents at Withers Insurance Services

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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Please Review us on Google or Facebook

๐—ฃ๐—น๐—ฒ๐—ฎ๐˜€๐—ฒ ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฎ ๐—พ๐˜‚๐—ถ๐—ฐ๐—ธ ๐—บ๐—ผ๐—บ๐—ฒ๐—ป๐˜ ๐˜๐—ผ ๐˜„๐—ฟ๐—ถ๐˜๐—ฒ ๐˜‚๐˜€ ๐—ฎ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„. โฃ ๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ฎ ๐—ด๐—บ๐—ฎ๐—ถ๐—น ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ฝ๐—น๐—ฒ๐—ฎ๐˜€๐—ฒ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„ ๐˜‚๐˜€ ๐—ผ๐—ป ๐—ด๐—ผ๐—ผ๐—ด๐—น๐—ฒ, ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ฝ๐—น๐—ฒ๐—ฎ๐˜€๐—ฒ ๐˜‚๐˜€๐—ฒ ๐—™๐—ฎ๐—ฐ๐—ฒ๐—ฏ๐—ผ๐—ผ๐—ธ! ๐—ง๐—ต๐—ฎ๐—ป๐—ธ ๐˜†๐—ผ๐˜‚! โฃ

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Family Heirloom and Collectables Insurance

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...

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Auto/Car Insurance

TThis is one of the most expensive cars offered today! This is a โ€œKoenigsegg CCXR Trevitaโ€ 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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Business Insurance

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

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Join Our Team

๐—ช๐—˜ ๐—”๐—ฅ๐—˜ ๐—›๐—œ๐—ฅ๐—œ๐—ก๐—š! โฃ โฃ Are you looking for a career not just a job?โฃ โ€ Are you driven and self motivated?โฃ Are you willing to work hard? โฃ โฃ If you answered yes to all of the above, then you may have found what you have...

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What is water backup coverage and why is it important?

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. Itโ€™s not only disgusting and potentially...

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Workers Compensation- Do you need it?

๐—ช๐—ต๐—ฎ๐˜ ๐—ฝ๐˜‚๐—ฟ๐—ฝ๐—ผ๐˜€๐—ฒ ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐—ช๐—ผ๐—ฟ๐—ธ๐—ฒ๐—ฟ๐˜€ ๐—–๐—ผ๐—บ๐—ฝ๐—ฒ๐—ป๐˜€๐—ฎ๐˜๐—ถ๐—ผ๐—ป I๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ฒ? โฃ โฃ 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 workโฃ โฃ it usually...

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Tips on Homeowners Insurance

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

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Health Insurance in a Challenging Time

๐™ƒ๐™š๐™–๐™ก๐™ฉ๐™ ๐™„๐™ฃ๐™จ๐™ช๐™ง๐™–๐™ฃ๐™˜๐™š ๐™Ž๐™ฉ๐™–๐™ฉ๐™ž๐™จ๐™ฉ๐™ž๐™˜๐™จ ๐™›๐™ค๐™ง ๐˜พ๐˜ผ ๐™–๐™ง๐™š ๐™จ๐™๐™ค๐™˜๐™ ๐™ž๐™ฃ๐™œ! โฃ โฃ โ˜‘๏ธ4 million+ people in CA lost their jobs this year ๐Ÿคฆ๐Ÿผโ€โ™€๏ธโฃ โฃ โ˜‘๏ธ61% of those relied on employer sponsored health insurance โฃ โฃ We work closely with all large...

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Communication is Key

Look at these cool vintage phones! ๏ธ Can you imagine what must have been said across these phone lines? This was state of the art communication at itโ€™s very best! My how times have changed! Today we rely heavily on...

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Life Insurance

๐™๐™ค๐™ฅ ๐Ÿญ๐Ÿฌ ๐™๐™š๐™–๐™จ๐™ค๐™ฃ๐™จ ๐™”๐™ค๐™ช ๐™Ž๐™๐™ค๐™ช๐™ก๐™™ ๐™ƒ๐™–๐™ซ๐™š ๐™‡๐™ž๐™›๐™š ๐™„๐™ฃ๐™จ๐™ช๐™ง๐™–๐™ฃ๐™˜๐™š:โฃ โฃ Cover Burial Expenses Pay Off Debt you leave behind College Planningโฃ Build Cash Valueโฃ Diversify Investmentsโฃ Business Planningโฃ Estate Taxesโฃ Coverage is Affordableโฃ โฃ...

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How to Update your Home โ€” Without Spending Thousands

It doesnโ€™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 youโ€™re handy or not, you can...

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Classic Car Insurance

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.โฃ โฃ What is the difference between โ€œAgreed Valueโ€ and โ€œStated Valueโ€ you...

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Protecting Assets & Assessing Risk

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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I Just Bought a New Car. What Insurance Coverage Do I Need?

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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Keep Your Pets Safe in a Disaster

A safe home, a regular routine, a soft bed โ€“ the things that bring you comfort bring your pet comfort, too. Itโ€™s so important to give some advance thought to how youโ€™d handle your pet responsibilities during and after a...

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Why You Need Service Line Coverage

Letโ€™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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What to Consider When Choosing Auto Insurance

Carrying a minimum amount of auto insurance is required by state laws, so you canโ€™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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5 Carbon Monoxide Safety Tips

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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When Roadside Assistance Isnโ€™t Enough

If youโ€™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 youโ€™re often back on the road in...

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How to Protect Your Classic Car

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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Why You Might Want to Live Like a Minimalist

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, โ€œDoes this bring me joy?โ€ and many are even exploring the...

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What Car Drivers Need to Know about Motorcycles

Fall is here, and there are still plenty of motorcycles on the road. And the key word here is โ€œsee.โ€ People driving cars and trucks often fail to notice the motorcyclists around them, partly because theyโ€™re not...

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How to Ride Your Motorcycle Safely in a Group

Group riding is a favorite activity among many motorcycle riders. Whether youโ€™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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Five Tips to (Finally) Get your Garage Organized

Thereโ€™s perhaps no organizing task more daunting than the garage-itโ€™s often the dumping ground for the stuff that has no other place in the house, or the things you donโ€™t use but just canโ€™t bring yourself to toss. How...

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How to Make Your Family Vacation a Great One

Summer is here, which means itโ€™s time to think about family vacations! (If you havenโ€™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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Boating Season is Here โ€“ Are You Up to Speed on Safety?

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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Three Ways to Lower Your Carbon Footprint

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 โ€œthe largest civic-focused day of action in the world.โ€...

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Spring Cleaning Tips

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

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Home Security Technology: Keeping you ahead of the burglars

Back in the early days of home security โ€œsystems,โ€ around the end of World War I, it was common for homeowners to hire โ€œdoor shakersโ€-night watchmen who would literally walk around and check doors to make sure they were...

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Looking at a new piece of jewelry? Make sure to look at your insurance, too

Whether itโ€™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 burglarsโ€”or a fire or some other...

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Is your home as efficient as it could be? An energy audit can tell you

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

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Keep Pets Happy and Safe on Vacation

Youโ€™re not just imagining itโ€”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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Five Common (and Potentially Costly) Homeowner Mistakes

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, itโ€™s almost certainly going to require time...

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Five Ways to Protect Your Personal Electronic Data

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. Thatโ€™s why we...

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Let's Keep Our Lawns and Ourselves Safe

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

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6 Tips for Getting to Work on Two Wheels

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? Thatโ€™s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Essential Safety Tips for Nighttime Boating

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

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Summer Driving Tips

Summerโ€™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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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isnโ€™t something you use daily. And it isnโ€™t something flashy you show off to friends. Itโ€™s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably donโ€™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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Protect yourself from Carbon Monoxide at Home and at Work

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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Insuring Jewelry: How to Know if Your Coverage is Enough

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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Tips for Buying a Safe Car

Youโ€™ve heard all the talk about driverless cars - but unfortunately, weโ€™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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Why Todayโ€™s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely arenโ€™t as flame-resistant as those from yesteryear. A fire in a modern home is a โ€œperfect storm,โ€ according to safety consulting and...

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How to Lower Your Auto Insurance Bill

Itโ€™s easy to lower your insurance costs - especially if you have a great driving record, or donโ€™t mind having higher deductibles. Who doesnโ€™t want to pay less for car insurance? Billions of dollars are spent on ad...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighborโ€™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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Three Ways a Pool May Affect Your Homeowners Insurance

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

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Easy to Forget Cleaning Projects

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. Thatโ€™s OK, to a point, as certain house-cleaning projects...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, itโ€™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!

Make your vacation a great one - Whether youโ€™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. Itโ€™s a getaway from work,...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: Itโ€™s a never-ending process for many people, and for those of us who arenโ€™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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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if youโ€™re a dog owner, apartment living can present some difficulties. You probably wonโ€™t...

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Love Bites โ€“ Get Umbrella Coverage

In todayโ€™s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldnโ€™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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Teen Driving Safety

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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Car Shopping With Safety in Mind

Youโ€™ve heard all the talk about driverless cars. Yet weโ€™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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Did you know?

....Homeownerโ€™s insurance can protect belongings outside the home, too. If something is stolen from your car, auto insurance wonโ€™t cover itโ€”but your homeowners policy likely will. Most policies will cover your...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, youโ€™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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Burglary Prevention: Should You Leave the Lights On?

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

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds โ€” from security to smoke, radon to radiation โ€” 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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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above โ€“ 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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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, itโ€™s always the other guyโ€™s fault? And, it very well could be. The thing is, you canโ€™t control how other people drive. But, you can control how you respond to situations...

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Safety Tips for Your Summer Swims

When the sun is out and the weatherโ€™s warm, people flock to the water โ€” whether itโ€™s the beach, a lake, a river or a backyard pool. But, wherever thereโ€™s water, thereโ€™s also danger. According to the U.S. Centers for...

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Safety Tips for Summer Thrill Seekers

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

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means itโ€™s time to clean the cobwebs out of the corners, organize the closets and so forth. While youโ€™re at it, donโ€™t forget to revisit the important documents and other items you have in your...

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The Type of Fire Extinguisher Every Home Should Have

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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Navigate Rainy Roadways With Care

Itโ€™s just rain โ€” how much impact can it really have on your driving? The answer: a lot. Youโ€™re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Identity Protection Tips for Tax Season

Whatโ€™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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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice โ€“ winter can be a horrible time to be on the road, especially if youโ€™re on vacation and arenโ€™t used to driving in winter conditions. And, itโ€™s an even worse time to...

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REFERRALS FOR INSURANCE

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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HOME INVENTORY APP FOR ipad or iphone

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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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways โ€” 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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Thrifty Security: Burglar-Proof Your Home for the Holidays

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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Thanksgiving & Deep Frying Turkey, Stay Safe!

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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Safe, Secure Shopping: Tips for Black Friday

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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Your Home Maintenance Checklist for Fall

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, donโ€™t forget, winter is right around the...

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Auto Insurance & Home Insurance Coverage GAPS

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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Monday Night Football

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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Why do you need an insurance agent when you can buy insurance online

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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4 Ways to Help All Children Have a Great School Year

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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Commuting by Bike: How to Get to the Office on Two Wheels

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 donโ€™t get stuck in traffic, either). And they even have fun โ€” as long...

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