If you love the roar of a muscle car or the gleaming chrome of a restored classic – and have made your passion for owning one a reality – these important insurance facts pertain to you.
As you know, collectible vehicles are an investment. Some are now selling for hundreds of thousands of dollars. If something were to happen to your beloved ’57 T-bird convertible, ’69 Camaro Z28, or ’55 Mercedes 300SL Gullwing, you need full replacement value insurance coverage.
And the insurance you have on your every day, commuter vehicle doesn’t offer that. A typical auto insurance policy is based on actual cash value and depreciation, so the older your vehicle is, the less it is worth.
Some people don’t insure their collector vehicles because they store them or drive them so seldom, but that could be a big mistake.
Classic car auto insurance pays the agreed value if the vehicle is damaged in a fire, flood or during transportation, or if it is stolen. It also covers the higher cost of repairs if someone scratches the paint or chrome, or steals a specialty part.
It’s true. Classic car insurance protects the vehicle for the full agreed value, meaning it covers these desirable cars and trucks for their increased worth.
Classic auto policies offer the same coverage options as standard insurance – liability, collision, comprehensive, and medical pay – while also protecting the vehicle’s true worth.
Here’s the best part, classic auto insurance usually costs less than standard auto insurance because classic and collector vehicles are normally driven less, are kept garaged, and owners typically maintain them better; therefore, they are considered a better risk.
Classic car policies do come with restrictions:
The vehicle must be stored in a locked, safe garage or storage facility
The insured vehicle is unique or at least 15 years old
It is not used as a regular commute vehicle
All drivers have a clean driving record
California Casualty’s Agency Services division offers insurance for collectible, classic, antique and exotic vehicles with:
Protection for the full agreed value
Adjustable deductibles
Towing
Coverage for lost or stolen parts
Mileage plans
There are many choices to insure your classic vehicle. Our partner for classic car insurance is Condon Skelly. Unlike most classic insurance providers, Condon Skelly does not limit mileage or require seasonal coverage, while still offering competitive rates.
TAKEAWAY:
Contact one of California Casualty’s Agency Services advisors today to arrange insurance for your classic or collectible car at 1.877.421.8348 or visit www.calcas.com/classic-car-insurance
Who would have thought that an insurance company would focus on a strong social media presence? We did. After all, it’s a great way to connect with you.
Meet Chloe, our social media scientist.
On a daily basis, Chloe is the online heart of our organization; creating and sharing content, resources, and occasional “aww moments” that inform and entertain you.
“I love social media, and like the rest of the world, I am glued to my phone,” she said. “What attracted me to the job with California Casualty is the writing/blogging involved.”
Working out of our Leawood, Kansas office, Chloe is a Kansas girl who loves the Kansas City Chiefs. She and her fiance, Trevor, also love to travel, go to concerts, and hang out with their dog, Maverick, a 1-year-old border collie mix.
Originally from Cherokee, a small town in southeast Kansas that she describes as “a place with no stoplights, and a 30-minute drive to find a Walmart,” Chloe graduated from Pittsburg State University with a B.A. in Communication/Public Relations and a minor in Marketing. “Through college, I wrote for a blog and I loved it. I remember when my second post got published and there were 20,000 shares – I FREAKED OUT!”
Her goal at California Casualty is to learn more about you and create posts that ignite your interest.
“Let’s face it, insurance can be confusing,” says Chloe. “I try to find facts and details that people may not know about their coverage – like how renters insurance can cost less than college textbooks or how you get free ID theft protection with your policy – anything to make the posts a little more interesting and entice readers to go to our blog to learn more.”
“However, I strongly believe that our insureds don’t want to just see just insurance facts on their feeds. While keeping insurance posts in the mix is important, I like to go with a ‘we get it’ strategy – highlighting that California Casualty understands that teachers work 10-plus hours a day and some days just want a funny classroom meme to make them smile; or that the media sometimes show first responders in a dark light, so here’s an officer breakdancing with a child or a firefighter bringing groceries to the elderly. When you understand the audience and what they want to see, you start seeing engagement go up.”
And, engagement on our various social media platforms is definitely up. Since Chloe took the reins, the numbers have shot up. “Our social engagement has more than doubled since Chloe came on board,” said California Casualty Social and Digital Marketing Manager, Demian Tallman.
Chloe finds it inspiring interacting with audiences across the platforms. “We are very active on all of our social media sites. We love to hear about the difference our policyholders are making in their departments, classrooms, and communities, and we would be happy to feature more of them.”
She also appreciates hearing from and interacting with many of you who have taken the opportunity, via the various social media platforms we offer, to say hi or share with others. One important follower gives Chloe a lot of feedback. It’s her mom, a dispatcher for a county sheriff’s department, who has taught Chloe firsthand about the stress and challenges of being called to work in the middle of the night because of violent storms or missing holidays because of work. “It taught me to have so much respect for dispatchers and their spouses.” Oh, and one of Chloe’s aunts is a high school science and astronomy teacher, who also gives her advice.
You will find many avenues to follow, learn about, and engage with California Casualty.
Chloe’s favorite is Facebook, where there are more than 120,000 followers, but she hopes that you will follow California Casualty on your favorite platform. “That way, they can keep up with news and helpful information pertaining to their professions, which are posted daily. Another cool thing we do on social media (and probably the favorite thing for our readers) is giveaways and contests.”
Here’s a list of where to find us:
Facebook: @CaliforniaCasualty
Twitter: @CalCasInsurance
Instagram: @CalCasInsurance
LinkedIn: @California Casualty (there’s a space between the words)
Pinterest: California Casualty
YouTube: CalCasInsurance
Spotify: Cal Cas
Chloe highlighted a couple of her – and your – favorite posts. One was about a nine-year-old boy who started a GoFundMe and raised $80,000 to purchase bulletproof vests for K9 dogs (“How could anyone not love that?”) that garnered hundreds of likes and shares and reached over 10,000 people. Another is a new page of educator printables, downloadable posters, and interactive activities that are free to use (https://mycalcas.com/printables-for-teachers/).
Chloe added this invitation: “Follow us and enjoy the fun.”
TAKEAWAY: Connect and share with Chloe and California Casualty at our blog,www.mycalcas.com, and scroll down on that page to find the various other social media available.
Fall is officially here and no matter what part of the country you’re in, you can enjoy the scenery as the leaves start to change color. North, South, East or West; We’ve compiled a list of National Parks and cities all throughout the United States that are ranked among the most beautiful to view the fall foliage.
So, it’s time to fill up the gas tank, strap on the hiking boots and go enjoy the great outdoors. Here are the best fall foliage road trips for you and your family.
Vermont is the nation’s fall color capital and Stowe is consided the #1 destination in the country to see the fall foliage. Forests cover 3/4 of the state, with vivid shades of yellow, gold, orange, and red from Septermber through mid October, so if you don’t make it to Stowe to look on Vermont’s highest peak, there’s no worries. There are over 20 drives in the state alone, ranging from 30-200 miles that you could take to view the scenary!
You can visit the Frenchman Bay or make your way into Maine’s Acadia National Parkand to explore the 47,000 acres of woodslands, rocky beaches, and mountains- including Cadillac Mountain, the highest point on the East Coast. The during the fall the entire forest blanketed in the oranges and yellows of fall. Trees turn in mid-September and usually fall around 2 weeks into October.
The Ozark Forest spans over 16 Arkansas counties equaling 1.2 Million acres! It is ranked one of the best spots in the southern portion of the United States to view the fall foliage. The forest is full of mountains, lakes, waterfalls, caves, and overhangs, as well as hundreds of different hiking trails and campgrounds. If you live reletively close, you don’t want to miss your chance to explore this beautiful landscape this fall! Peak foilage occurs in late Ocotber and lasts until early November.
This National Park has been named an, old growth forest.It is home diverse wildlife and champion trees, the tallest trees in the United States. Their tall canopies provide protection for the forest floor below, letting gorgeous natural features form. While you are at the 26,000 acre park you can take your pick of hiking, boating, fishing, or camping to enjoy the foliage. Trees turn in mid October and usually fall in early November.
The name says it all, the Aspen trees that fill this mountain town transition from green to a breathtaking hue of golden honey in the fall. The trees can be found prevalently across the state of Colorado, but leaf chasers from all over the US visit Aspen in the autumn to admire the trees based at the foot of the Maroon Bells, a pair of 14,000 ft. moutains. Aspen’s peak foilage is around the 4th week of September and usually entends into mid-October.
The 80 mile gorge is designated America’s largest National Scenic Area. It’s rich forests span alongside the Cascade Mountains, creating large waterfalls and beautiful sceneic overlooks. With thousands of pine trees, maples, and cottonwoods, the colors are unforgettable during foliage season, Oregon even offers stops along the Columbia River Gorge Highway where tourists can take in the scenary. Trees begin to turn mid- to late- October and last until mid-Novermber.
Few landscapes in the world can beat the jagged peaks of Grand Teton at Teton National Park in Jackson Hole, Wyoming. The majestic park is beautiful during every time of the year, and has the tourism to prove it, but during the fall it is extraordinary. The Teton Range is home to large Cottonwoods, Apens, and other deciduous trees that’s leaves turn to crisp shades of yellow, orange, and red from early-September through mid-October. These trees surround many of the lakes that the park has to offer, and with the Grand Teton backdrop, the park one of the most photogenic in the country.
Wine Country may not be the first place you think of when you hear Fall Foilage, however the Napa Valley vineyards are one of the best places in the country to enjoy the fall colors. The leaves on the grapevines begin to turn shades of gold and crimson while bright, yellow-hued gingko trees line the roads; it’s a stunning sight. Pair the scenary with a crisp glass of red wine, and it makes the perfect fall foilage road trip. If you are traveling to Napa, trees begin turning in late-October to early-November and leaves started to fall mid- to late- November.
Don’t miss your chance as catching the peak colors this season, follow the 2019 Fall Foilage Map and plan your ultimate sceneic vacation!
Plan on going on a road trip to see the fall foilage in another state or National Park? Follow our Road Trip Safety Guide and remeber to always make sure you have the right auto insurance coverage on your vehicle.
Happy Travels! 🙂
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
It’s fall y’all! And that means it’s time to break out the crock-pot because it is the absolute BEST season to be in the kitchen whipping up cozy fall recipes.
Apples and pumpkins and stews, oh my! All of our favorite cozy fall crock-pot and dessert recipes can be found below and on our Pinterest board, “The BEST Fall Recipes”.Each recipe is linked for your convenience. 🙂
We could go on and on and on and on…. but we would need a lot more space! Do you have a favorite cozy fall recipe? What about a traditional family recipe you love to create when the weather cools down and the leaves start turning? We’d love for you to share it with is!
Be sure to check out our Pinterest for more fall recipes (including casseroles) and don’t forget to give us a follow at California Casualty to stay up to date on every new fall recipe we discover! Scan ourPincodewith your Pinterest camera to follow:
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. California Casualty does not own any of the photos in this post, all are sources by to their original owners. Get a quote at 1.866.704.8614 or www.calcas.com.
As the weather gets cooler, there is nothing cozier than curling up next to the fireplace with a cup of hot up of coffee and a good book.
Millions of people in the United States have fireplaces that they primarily use during the fall and winter to create a comfortable environment and to warm their homes. However, without the proper maintenance, a fireplace can turn from cozy to deadly in a matter of seconds.
On average over 22,000 chimney fires occur in the United States every year. That estimates to about 125 million dollars in damage to homes. Chimney fires are can be caused by stray sparks and high temperatures, however, most are caused dirty, unkept chimneys.
To prevent a chimney house-fire from happening follow these Chimney Safety Tips:
Get your chimney cleaned yearly
Cut and trim all overhanging branches
Install a screencap on top of chimney
Monitor the flue temperature
Keep the fire screen closed
Let ashes cool down
Dispose of ashes far away from house
Never burn trash or debris
Only burn dry hardwood
Keep firewood at least 30 ft. away
Never leave chimney unattended
It is also important to make sure your smoke alarm and carbon monoxide alarms have batteries and are working properly. 2/3rds of fire deaths occur in homes with missing or non-functioning smoke alarms.
Install smoke and carbon monoxide alarms in every bedroom near doorways, outside each sleeping area, and on every level of your home near cooking devices and fireplaces.
Be safe this season, follow our chimney safety tips, and remember to have your chimney professionally cleaned and maintained before it’s first use to avoid a house fire.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Some people don’t insure their collector vehicles because they store them or drive them so seldom, but that could be a big mistake.
Meet Chloe, our social media scientist.
Originally from Cherokee, a small town in southeast Kansas that she describes as “a place with no stoplights, and a 30-minute drive to find a Walmart,” Chloe graduated from Pittsburg State University with a B.A. in Communication/Public Relations and a minor in Marketing. “Through college, I wrote for a blog and I loved it. I remember when my second post got published and there were 20,000 shares – I FREAKED OUT!”
