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All You Ever Wanted to Know About Insurance

Help Protect Your Rental Property with These Smart Devices

If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Tips for Towing a Boat Trailer to Reduce Accidents and Insurance Claims

Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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Tips to Help Protect Your Business From Online Fraud

With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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How to Choose the Right Contractor for Home Improvement Projects and Avoid Liability Claims

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Tips for Hiring Remote Workers for the First Time

Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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Top Home Improvement Projects That Can Increase Your Home Value

When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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Is It Time to Review Your Business Insurance Policy?

Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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Preparing Your Teen Driver for Different Road Conditions and Situations

If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Tips for Managing Your Business’s Online Reputation

Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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How to Winterize and Properly Store Your Boat

Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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What to Consider When Expanding Your Business Out of State

If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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Save Money With These Smart Home Devices That Make Your Home Safer

Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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Avoid Costly Liability and Damage Claims: A Maintenance Checklist for Rental Homes

Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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Renting vs. Owning a Home: Protect Your Property No Matter Which You Prefer

If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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The Role of Artificial Intelligence in Business: Opportunities and Challenges

Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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Defensive Driving Techniques to Avoid Accidents and Insurance Claims

If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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How to Create a Business Continuity Plan to Help Protect Your Investment

Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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What to Look for When Buying a House to Avoid Unnecessary Insurance Claims

If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Maintenance Checklist for Rental Homes

Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to help avoid...

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Benefits of Safe Driving Apps

Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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What to Look for When Hiring Safe Drivers

If you’re hiring someone who will be doing a lot of driving for your business, you want to find someone who will maintain a stellar safety record. Avoiding accidents is essential, as it may reduce your risk of liability...

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4 Water-Saving Tips for Your Garden

Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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The Importance of Cyber Liability Insurance for Small Businesses

Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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The Importance of Uninsured and Underinsured Motorist Coverage

Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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Energy Efficient Landscaping for Your Commercial Property

With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Keep Your Home Safe While on Vacation

Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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How to Save Money on Commercial Auto Insurance

Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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Who Needs Life Insurance and How Much Do You Need?

It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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How to Shop for Multiple Business Insurance Products

If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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Family Emergency Preparedness Checklist

It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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Commercial Building Fire Safety Checklist

As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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What to Check Before Buying a Used Car

With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Commercial Property Maintenance Checklist

If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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Should I Notify My Insurance Company About a New Puppy?

Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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Heading Back to the Office? Help Your Team Adjust

If your team has been working remotely for the last few years due to the pandemic, you may be returning to the office now that the situation has changed. To help your group adjust, here are five expert tips. Start With...

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How to Choose the Right Smart Security Camera

A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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Avoid These Common Business Insurance Mistakes

If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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Things to Know When Shopping for Home and Auto Insurance

If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Why Do I Need Business Insurance?

Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Grill Safely With These Outdoor Cooking Tips

Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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Landlord Insurance vs. Renters Insurance

If you’re confused by all the different types of insurance available today, you're not alone. Learn the difference between landlord insurance and renters insurance so you can get the coverage that’s right for you. What...

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Simple Household Pest Control Methods

No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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Five Commonly Overlooked Business Insurance Vulnerabilities

Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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Landscape Maintenance Tips for Your Yard

You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Rental Property Insurance Basics

If you own a rental property, it’s no doubt a source of income for you. Therefore, you want to protect your property with the right insurance coverage. Read on to learn why you likely need rental property insurance,...

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Avoiding Water Issues in Your Home

Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Safety Tips for Company Vehicles

Whether you have one company car or an entire fleet of vans, you want to make sure you’re taking the right safety steps. Follow these tips to reduce accidents, keep employees safe, and protect your business vehicles. ...

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Commonly Overlooked Spring Cleaning Tasks

Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Energize the Office with These Energy-Saving Tips

No matter what size office your business occupies these days, it seems like energy costs are going up, up, up. Here are some tips on how you can save money and help the environment. Perform Regular Maintenance Checks on...

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Upgrading Your Windows - How to Choose What's Best for Your House

You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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Do I Need Business Insurance for My Small Business?

If you own a small business, especially if you work alone, you may think you don’t need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here’s what...

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Tips for Saving Money on Heating and Cooling Your Home

If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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Helpful Ways to Support Your Remote Employees

The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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How to Evaluate and Choose Energy-Efficient Appliances

Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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6 Ways to Improve Employee Mental Wellbeing and Satisfaction

Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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How to Choose Smoke and Carbon Monoxide Detectors

Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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How to Scale Your Insurance as Your Business Grows

As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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How to Make a Fire Safety Plan

No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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5 Safety Tips to Reduce Workplace-Related Injuries

As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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How to Decide If Solar Panels Are Right for Your Home

Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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5 Basic Coverage Options New Businesses Should Consider

Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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How Independent Agents Are Different from Captive Agents

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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Benefits of Using a Dash Cam

More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Swimming Safety: 10 Tips for Summer

Summer is here and people are flocking 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 Disease Control and...

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Why You May Need Personal Offense Coverage

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Inexpensive Fixes for a Safer Home

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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Why a basic Homeowners policy isn’t always enough

Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Own a home? Here are two policy options you should know about

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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Understanding Risk in a Decade of Natural Catastrophes

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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When I Die

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 Clients Love Us!

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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Let our Business take care of your Business!

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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Porch Safety: Should You Leave the Lights On?

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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Contractors Bonds

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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Home, Auto, Umbrella and Business Insurance

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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Most Trusted Insurance Agency in San Clemente

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 what if's

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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A loss of business revenue can also change your insurance premium's

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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Don’t Delay — Start Thinking About Winterizing Your RV Today

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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Holiday Claims During the Holidays

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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We Insure Sand Toys Too!

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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Commercial and Business 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 you’re at it. You’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 an...

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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

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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Wedding and Event Insurance

⁣ 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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It’s Back-to-School Time — Is Your House Ready?

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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Homeowners Insurance

⁣ 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!

⁣ 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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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

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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Monday Grind


Life Insurance

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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Flying into Friday!


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 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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Tips for Power Tool Safety

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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Homeowners, Auto, General Liability, Workers Compensation Insurance

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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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

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

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

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

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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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 money...

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Auto/Car Insurance

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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Business Insurance

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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Join Our Team

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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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. It’s not only disgusting and potentially...

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Workers Compensation- Do you need it?

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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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. ⁣ ⁣ Unfortunately, many homeowners do not completely understand the details of the type of...

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Health Insurance in a Challenging Time

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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Communication is Key

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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Life Insurance

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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How to Update your Home — Without Spending Thousands

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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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.⁣ ⁣ What is the difference between “Agreed Value” and “Stated Value” 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 – 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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Why You Need Service Line Coverage

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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What to Consider When Choosing Auto Insurance

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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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 Isn’t Enough

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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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, “Does this bring me joy?” 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 “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’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 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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Five Tips to (Finally) Get your Garage Organized

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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How to Make Your Family Vacation a Great One

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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Boating Season is Here – 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 “the largest civic-focused day of action in the world.”...

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

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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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 they’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

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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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, it’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. That’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 – 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? That’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), 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 Driving Tips

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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Protecting Your Home: Understanding Your Home Insurance Policy

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

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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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

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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Why Today’s Homes Burn Faster

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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How to Lower Your Auto Insurance Bill

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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Do You Need Umbrella Insurance?

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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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 weather’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. That’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, 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!

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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Want a Safer Home? Consider these Inexpensive Fixes

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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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 you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Love Bites – Get Umbrella Coverage

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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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

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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Did you know?

....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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7 Driving Habits That Are Bad for Your Car

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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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 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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Which Home Alarms Do You Need?

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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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 – 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, 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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Safety Tips for Your Summer Swims

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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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 country’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 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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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

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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Identity Protection Tips for Tax Season

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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What to Do After a Car Accident in Winter

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 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 — 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, don’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 don’t get stuck in traffic, either). And they even have fun — as long as...

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