A little extra caution can go a long way while driving at night Summer has ended, and while fall and winter have their own pleasures — longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just…
1. Know the difference between independent agents and other insurance agents or carriers. An independent agent represents a number of different insurance companies. In contrast, agents who represent large national companies only sell products from that carrier. A direct insurance company sells to you directly without an agent, typically online. An independent agent has the…
Take action to reduce damage. To reduce damage inside, look at your ceiling and walls to see what might fall. 1. Anchor bookcases and filing cabinets to walls 2. Secure ceiling lights, suspended ceilings and other hanging items to the home structure 3. Anchor water heaters and large appliances to walls using safety cables…
Every fall, college students head back to campus and the things that travel with them get more sophisticated. It’s important to understand the limits of your property coverage that will follow your student to college, whether its across the state of across the country. Personal Property Students find very creative ways to fill their living…
For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or away in Lake Tahoe. But for some families, the holiday is a nightmare. Homes each year in California are damaged by wayward fireworks. Thousands of people are…
For many of our neighbors in Livermore, 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 injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission…
Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not…
You’ve seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your…
A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability for certain items, meaning that the insurer will not…
Drafty windows. Leaky faucets. Dirty air filters. All are common issues and they’re not only annoying — they also cost you money in decreased energy efficiency and higher utility bills. Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program…
