The riding, driving, and boating season isn’t over yet, but it won’t be long before… I hate to even type it down! You can make sure that you’re winterizing your toys- right, before they go into storage.      Watercraft: 5 Steps to Winterize Your Boat the Easy Way1. Before winter storage, clean out all the damp … More Winter is Coming…How to get some of your “stuff” Winterized

With the hustle and bustle of how busy life is these days, are you ready in case something devastating happens? How about wildfire? Are you prepared in the event of a wildfire coming to your area? Would you know what to grab, and what to leave?   There are many things to worry about and … More Fire season is upon us… are you ready?

Nationwide mailed out a letter to everyone that has a homeowner’s policy with them.  This letter is titled “Get extra coverage for extra piece of mind”.  This letter focus’ on the replacement cost coverage that you can have on your home.  Most companies offer two percentages, for example 125% or 150%.  Nationwide is now also … More Homeowner’s policies and Replacement cost coverage

Something unexpected happens, something that you never thought in 100 years would happen and it happens to you! It’s important to make sure that you know your limits and how you are covered for the unexpected. By taking a few minutes of reviewing your coverages with your agent, you might be able to prevent some … More The importance of having enough coverage – and understanding what coverage you DO have

Defensible space   I’m sure some of you have been getting phone calls regarding possible non-renewals based partly on having 100 feet of defensible space around your home. With respect to clearance, it isn’t just insurance companies that require it, but also CAL FIRE. This “defensible space” is broken down into two zones: 0-30 feet … More Defensible Space

Most people don’t think about insuring your boat, Camping trailer, dirt bike, ATV, RTV, Jet ski (or during the winter your snow mobile), golf carts, cargo trailers and even horse trailers.  Yes, when you are pulling a trailer with your vehicle the liability does extend to the trailer, but only when you are pulling the … More Why insure your Toy’s???

With peaking El Niño conditions, weather experts are predicting heavier than normal amounts of precipitation for many areas in the Southwest. Some ideas that might help you avoid a claim. Proper maintenance is key. This includes keeping gutters free of debris, ensuring downspouts are clear and water drains away from the foundation of your home. … More El Niño

The Rut has begun and the bucks are chasing after the does. As the colder weather is now in full swing we have to be a little more cautious as we drive. At a moment’s notice a deer can jump out in front of you and you have nowhere to go. There are many scenarios … More Driving during the deer rut!

With winter coming, are you prepared? When thinking of your home, here is a list of things to consider to winterize your home. Make sure that all of your heating vents are clean and uncovered. Cover swamp coolers and air conditioners. Make sure that your exposed water pipes are covered.  Also make sure that your … More

Yes…it’s Long Term Care. Let’s be honest, no one wants to be in a urine infested facility when they get older.  I’m sorry to be so graphic, but it’s true!  Most do the best they can- but when you have hundreds of patients without ambulatory skills and a work force ever declining due to expense … More The dreaded insurance no one wants to talk about…