Imagine a garden that thrives with minimal water—no constant sprinklers, no wilting plants, just pure, effortless beauty. Drought-tolerant landscaping isn’t just a smart choice for water conservation; it’s a low-maintenance way to create an outdoor oasis. Whether you’re battling scorching summers or just want to cut back on watering, these resilient plants and creative design tips will keep your yard looking spectacular.
Why Choose Drought-Tolerant Landscaping?
Maybe you live in a drought-prone state like California, Nevada, or Arizona. Perhaps you simply want to conserve water. Drought-tolerant landscaping incorporates plants, trees, grasses, and shrubs that can thrive in heat with minimal water. Here’s why this approach is gaining popularity:
Low maintenance – Drought-tolerant plants retain water with deep root systems, prevent soil erosion, and reduce the need for fertilizers and gardening supplies.
Less water usage – These gardens significantly reduce water consumption which helps conserve this precious resource.
Lower water bills – Cutting back on irrigation can lead to substantial savings on utility costs.
Increased property value – A well-maintained, drought-resistant landscape enhances curb appeal and can boost home value.
Tips for Creating a Water-Wise Garden
Follow these tips to create a garden where moisture is naturally contained. When paired with plants and grasses that conserve water and/or have minimal water needs, your garden becomes truly low maintenance.
Reduce your lawn size. Replace part of your grass with beds of drought-resistant plants.
Choose native plants. You are more likely to be successful with plants native to your region or those that will thrive in similar conditions.
Space plants closely. This helps shade the soil, reducing evaporation and crowding out weeds.
Group plants with similar needs. Watering will be more efficient and plants will receive the sunlight/shade that they need.
Use compost and organic matter. This will help to hold the moisture in your soil.
Incorporate decorative hardscape. Use elements like colorful Adirondack chairs, paver walkways, garden art, and large stones. Not only will they add beauty and interest, but they will also help reduce water runoff.
Choose porous materials. Gravel, decomposed granite, and permeable pavers allow water to absorb into the soil rather than running off.
Use mulch and groundcover plants. Mulch helps retain moisture and suppress weeds, while groundcover acts as living mulch to further protect the soil.
Consider tiered garden beds. Tiers help prevent water loss and erosion in sloped gardens.
Best Plants for Drought-Tolerant Landscaping
You don’t have to fill your yard with rocks. There are plenty of gorgeous plants to choose from that thrive with minimal water. Below, we’ve listed some popular ones. Before you plant, however, check whether these are native to your region and/or would do well there. If you have a pet, check that your choices are pet-friendly, too. Your local garden center or Department of Agriculture Extension office are both good resources.
Perennials & Shrubs
Artemisia – This silver-green perennial grows in a low mound. It thrives in full sun with minimal water, and pairs well with ornamental grasses.
Catmint – A hardy perennial, catmint has lavender-blue, pink, or white flowers.
Evergreens – Certain varieties are drought-resistant and provide year-round greenery.
Goat’s Beard – A shrub-like perennial, goat’s beard is named for its feathery white blooms.
Lamb’s Ear – This low-growing perennial features velvety, silvery-gray leaves.
Lavender – Fragrant and beautiful, lavender can add a pop of color along pathways. They come in varying shades of purple as well as pink, white and even blue.
Lupine – These tall, colorful flowers have an added benefit. Their scent deters deer from eating your garden.
Mexican Bush Sage – This perennial includes striking purple and white blooms that are loved by hummingbirds and butterflies. It can grow to 4-6 feet tall.
Red-Flowered Penstemon – Tough yet colorful, this plant also attracts hummingbirds and butterflies.
Russian Sage – Featuring silver-gray foliage and lavender-blue flowers, this plant can reach heights of 2 to 4 feet.
Sedum & Sea Thrift – This ground cover is ideal for filling gaps between stones while adding color.
Succulents – Succulents, like agave and cacti, are usually budget-friendly, low-water plants that require little maintenance.
Thyme – This plant is hardy and drought-tolerant, with varieties like silver edge thyme being particularly resilient.
Yucca – Known for its sword-shaped leaves and tall flower stalks, the Yucca makes a dramatic statement.
Zinnias – Some annuals, like zinnias, bring a pop of color with minimal upkeep. While they are drought-tolerant, they do grow best in moist soil.
Drought-Resistant Grasses
Artificial Turf – The ultimate low-maintenance alternative, this requires an initial investment. It’s not for everyone so do some research to see if it is a good option for your needs.
Bahia Grass – Deep-rooted and drought-hardy, Bahia grass is very tolerant of heat. It is a tropical or subtropical grass that thrives where many other grasses fail.
Bermuda Grass – Fast-growing with a fine texture, this grass requires full sun and good drainage. It does not tolerate cold weather well.
Zoysia Grass – This type of grass is slow growing and requires less mowing than other grasses. It stands up well to heat, drought and heavy foot traffic.
By implementing these drought-tolerant landscaping ideas, you can create a stunning, sustainable, and water-wise outdoor space that enhances your home’s beauty while conserving resources. Take that final step and make sure your home and property are well protected with the right insurance for added peace of mind.
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.
Your garage is more than just a place to park your car. It’s a space brimming with potential—whether as a storage haven, a home gym, or even a workspace. But if it’s cluttered, outdated, or simply an afterthought, it might not be adding as much value to your home as it could. Here’s how a few strategic updates can make all the difference.
The First Step: Take a Hard Look at Your Garage
Before you start transforming your garage, take a step back and assess its current state. Is it simply a parking space, or do you use it for storage, projects, or workouts? Look for structural issues—cracks in the foundation, roof leaks, signs of critters or water damage. Understanding what you have (and what you need) will help you prioritize the best upgrades. Make sure to address any issues before you take the next step.
Your garage door plays a big role in both security and curb appeal. If it’s outdated or difficult to operate, consider replacing it with an insulated, easy-to-use model. Automatic doors add convenience, while lightweight aluminum doors are a sleek, modern option. Choosing a color that complements your home’s exterior can elevate your property’s appearance instantly.
Climate Control: Stay Comfortable Year-Round
Extreme temperatures can make your garage unbearable. Insulating the walls and ceiling can help protect your car and stored belongings while making the space more usable. Weatherstripping the garage door reduces drafts, while a properly vented space keeps carbon monoxide from seeping into your home. Depending on your budget, options range from simple portable heaters and fans to a fully integrated HVAC system.
Garages tend to accumulate everything from holiday decorations to sports gear. A well-organized space makes life easier and more appealing to future buyers. Invest in heavy-duty plastic bins, labeled and neatly stacked on secured shelving. Pegboards are a great way to hang tools, while overhead storage is perfect for seasonal items, luggage, and bulky equipment. Keeping things off the floor not only maximizes space but also prevents damage from spills or moisture.
A dimly lit garage feels uninviting and unsafe. Install bright, energy-efficient LED lighting to make the space more functional. Motion-sensor lights outside improve security, while decorative sconces add a polished touch. If your budget allows, consider skylights or additional windows to brighten the space.
Durable & Stylish Flooring Options
Your garage floor takes a beating, so upgrading it can enhance durability and aesthetics. Epoxy coatings seal porous concrete, making cleanup easier and preventing stains. If you prefer a high-end look, polished concrete provides a sleek finish. Interlocking tiles in rubber, plastic, or vinyl offer cushioning and are easy to install, while rollout mats provide simple protection against stains. For cold climates, radiant heating under the floor can add comfort and melt snow from your car.
Power Up: Add More Electrical Outlets
A well-wired garage is essential for both convenience and safety. Installing multiple GFCI-protected outlets ensures you have enough power for tools, appliances, and even an electric vehicle charger. If you frequently work in the garage, proper wiring will prevent overload issues and enhance usability.
Plumbing for Extra Functionality
Adding plumbing can transform your garage into a more functional space. A utility sink makes cleanup easier, while a mudroom or pet-washing station can be a game-changer for active households. If you’re considering a larger renovation, incorporating plumbing could even allow for a future guest suite or apartment above the garage.
Keep It a Garage—But Make It Shine
While it may be tempting to turn your garage into a game room or art studio, think twice before eliminating its primary function. Most buyers want a place to park their car, and repurposing the garage completely can hurt resale value. However, if you’re considering adding a finished living space above the garage, that can be a big selling point—especially if it includes a kitchen and bathroom. Just be sure to check local zoning laws and secure the necessary permits before starting construction.
Your garage is a major focal point of your home’s exterior, so make sure it looks the part. If the outside appears worn or outdated, it can negatively impact your home’s perceived value. Consider upgrading the garage door with a stylish design like a carriage house or modern paneling. Fresh paint, decorative hardware, and window boxes can also make a significant impact without a hefty price tag.
Since garages often provide direct access to the home, security is crucial. Installing a security system with cameras and motion detectors can deter potential intruders. Smart locks and keypad entry systems enhance protection while adding convenience. Inside the garage, be sure to have a fire extinguisher, smoke and carbon monoxide detectors, and a first aid kit. Regularly inspect for hazards like exposed wires or leaks and address them promptly.
With the right upgrades, your garage can be more than just a place to park—it can enhance your lifestyle, increase your home’s value, and even improve safety and security. Whether you’re planning small improvements or a major transformation, investing in your garage is an investment in your home’s future.
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.
You love your car’s technology—keyless entry, GPS navigation, smartphone connectivity, and even self-driving features. But while these make driving easier, they also open the door to cyber threats. Just like your computer or phone, your car can be hacked, putting your personal data and even your safety at risk. So how can you stay one step ahead of cybercriminals? Here’s what you need to know to keep your car’s technology secure.
Understanding Your Car’s Vulnerabilities
One of the main entry points for cyber-attacks is the car’s infotainment or navigation system, which connects to the internet and often stores personal data such as contacts, locations, and music preferences. Additionally, many newer vehicles come equipped with Wi-Fi hotspots, allowing multiple devices to connect. While convenient, these features can also be exploited if not properly secured. To reduce risk, limit connections to trusted devices only and review your list of connected devices regularly. Be cautious when using third-party apps and services for navigation, entertainment, or remote control, as they can introduce vulnerabilities.
Beyond infotainment, various vehicle systems are also connected to the internet, including mileage tracking, tire pressure monitoring, fuel usage, braking data, and engine diagnostics. While this connectivity is helpful, it can also be a target for hackers. Check with your car dealer about the cybersecurity measures in place to protect your vehicle’s systems.
Protecting Your Key Fob
Your key fob, which grants access to your car, can be an easy target for hackers. Criminals use electronic signal amplifiers to intercept your fob’s signal, sometimes from up to 100 feet away, potentially unlocking and even starting your car without your knowledge. To prevent this:
Store your key fob in a metal box or an RFID-blocking pouch to prevent signal interception.
Some key fobs allow you to disable the wireless signal manually—check your vehicle manual to see if this feature is available.
Wrapping your fob in aluminum foil can also help block signals in a pinch.
Manually locking your doors is an extra safeguard, as some thieves use signal jammers to make you think your car is locked when it isn’t.
Keep Your Car’s Software Up to Date
Software updates are crucial for fixing security vulnerabilities. Cybercriminals often exploit outdated software to gain access to a vehicle’s systems. To protect yourself:
Bring your car to the dealer for routine software updates.
Check your manufacturer’s official website for downloadable updates.
Stay in contact with your car manufacturer to receive notifications about recalls.
Check gov for any relevant recalls affecting your vehicle.
Be Wary of Mechanics and Counterfeit Parts
Your mechanic has access to your car’s onboard diagnostics, which contain valuable data. While most mechanics are trustworthy, some may use this access to replicate keys and steal vehicles. Additionally, counterfeit parts pose not only cybersecurity risks but also physical safety concerns. Always ensure that you’re getting certified parts and working with reputable mechanics.
Be Cautious with Your OBD-II Port
The OBD-II port is a diagnostic access point that allows mechanics to check engine performance and retrieve vehicle data. However, leaving devices plugged into this port, such as insurance tracking devices, can make your car more vulnerable to cyberattacks. If you don’t need a device plugged in, remove it to reduce risk.
Extra Layers of Security
You can take simple steps to make it harder for a hacker to access your vehicle.
Invest in a steering wheel lock. Even if a hacker gains electronic access to your car, they won’t be able to drive away with a physical lock in place.
Turn off Bluetooth when not in use. If you’re not actively using Bluetooth, disable it to prevent hackers from getting to your phone or vehicle data.
Secure your Wi-Fi password. If your car has Wi-Fi-enabled remote features, change the default password and enable two-factor authentication if possible. Never leave your password written down in your car and make sure to regularly update it.
Disable remote systems when not needed. Features that allow remote unlocking, starting, or tracking should be turned off when not in use to minimize potential entry points for hackers.
Avoid Phishing Scams
Cybercriminals often use phishing tactics to gain access to vehicles. They may send fake emails with malicious links or attachments that install malware on your car’s system. Since cars lack built-in malware protection, these infections can be hard to detect. Protect yourself by:
Verifying messages from your car manufacturer before taking any action.
Watch for Suspicious Activity
If you notice unusual behavior in your vehicle, such as unexpected setting changes, new sounds, or erratic electronic functions, it could be a sign of hacking. If anything seems off, contact your dealer or manufacturer immediately to investigate potential breaches.
By staying vigilant and following these cybersecurity measures, you can enjoy your car’s advanced technology while keeping it safe from hackers.
Finally, protect your vehicle with the right insurance for added peace of mind. Safe travels from all of us at California Casualty.
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.
Thinking about going green with your next vehicle? Hybrid and electric cars both offer fuel savings and eco-friendly benefits, but which one is the better fit for your lifestyle? From driving range to charging convenience—and even how they handle in different weather conditions—we’ll break down the pros and cons to help you decide.
What’s the difference?
Hybrid Vehicle: A hybrid car has a gasoline engine and an electric motor. The gas engine and battery-powered motor work together to improve fuel efficiency and reduce emissions. Hybrids don’t need to be plugged in because they recharge the battery while you drive.
Electric Vehicle (EV): An EV runs entirely on electricity. It has no gas engine—just a battery and an electric motor. EVs need to be plugged in to charge, and they produce zero emissions, making them an eco-friendly choice.
Pros and Cons
Let’s take a deeper dive and explore the pros and cons of each, including how they fare in extreme weather.
Hybrid Vehicles
Pros
Better Fuel Efficiency – Hybrids use less gas than traditional cars, saving money at the pump.
No Charging Required – The battery recharges while you drive, so there’s no need to plug it in.
Smoother, Quieter Ride – The electric motor helps reduce engine noise and provides a seamless driving experience.
Longer Driving Range – Since hybrids use both gas and electricity, you won’t have range anxiety like with some EVs.
In Extreme Weather…
Quick Warmup – A hybrid may be safely driven with only a short warmup—about a minute in cold weather.
Less Affected by Cold Weather – Since hybrids have a gas engine, they don’t rely solely on battery power, which helps maintain performance in freezing temperatures.
No Need for Charging – Unlike EVs, hybrids don’t depend on charging stations, which can be slower or less available in extreme conditions.
Consistent Range – Cold or hot weather has less impact on a hybrid’s driving range compared to a fully electric vehicle.
Cons
Less Fuel Savings Than an EV – Hybrids still rely on gas, so it’s not as cost-effective as a fully electric vehicle in the long run.
More Maintenance Than an EV – Since hybrids have both an engine and a battery system, they require more maintenance than an all-electric car.
Battery Replacement Costs – The hybrid battery can be expensive to replace, though it usually lasts many years.
In Extreme Weather…
Reduced Fuel Efficiency in Cold – The gas engine runs more often in low temperatures, slightly lowering fuel economy.
Battery Performance Can Drop – While not as noticeable as in EVs, extreme cold can still reduce battery efficiency.
Hot Weather Can Strain the System – High temperatures may cause the battery and engine to work harder, potentially leading to wear over time.
Electric Vehicles
Pros
Zero Emissions – EVs don’t burn gas, making them the most eco-friendly option.
Lower Operating Costs – Charging is often cheaper than fueling up, and there’s no need for oil changes or many traditional maintenance
Quiet and Smooth Ride – Electric motors make EVs nearly silent and provide instant acceleration.
Fewer Moving Parts – Less wear and tear means fewer repairs compared to gas or hybrid cars.
Incentives and Tax Credits – Many EV buyers qualify for government rebates and incentives, reducing the purchase cost.
In Extreme Weather…
Instant Start – EVs don’t have traditional engines that require oil or warming up, so they start instantly, even in freezing temperatures.
More Efficient in Stop-and-Go Traffic – Unlike gas-powered cars, EVs don’t waste energy idling, making them efficient in winter traffic jams.
Preconditioning Helps – Many EVs allow you to warm up or cool down the car while plugged in, reducing the impact on battery life.
Cons
Higher Upfront Cost – EVs can be more expensive than gas or hybrid cars, though prices are improving.
Limited Range – Some EVs can’t travel as far on a single charge as a gas or hybrid car can on a full tank.
Charging Time – Even fast charging takes longer than a quick stop at a gas station.
Charging Infrastructure – Public charging stations aren’t as common as gas stations, and home charging requires special installation.
Crash-related fires – Should a crash occur, and damage the battery, it could spark a fire. EV fires are much harder to control than those of gas-powered vehicles.
In Extreme Weather…
Cabin heat – It takes a lot of battery to warm the cabin. It’s better to warm the cabin while the car is still plugged in for about 5-10 minutes. Otherwise, you’ll reduce your driving range significantly.
More HVAC Impact – Heating and cooling the cabin draws power from the battery, further reducing range.
Reduced Range in Cold Weather – EVs can lose 10–36% of their range in freezing temperatures because the battery works harder.
Slower Charging in the Cold – Charging times increase in low temperatures, making it less convenient for road trips.
Hot Weather Can Overheat Batteries – High heat can degrade battery life over time and make charging less efficient.
Both hybrids and EVs typically cost more to repair than gas-powered cars due to specialized parts and technology (like battery systems). This can lead to higher insurance premiums. Talk to your insurer about a policy that’s right for your budget and needs.
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.
Trees bring beauty and shade to your property, but sometimes they also bring hidden risks. Strong winds, heavy storms, or decay can turn a once-sturdy tree into a serious hazard. A falling tree can cause expensive damage—or worse, serious injuries. The good news? Spotting the warning signs early can help protect your home, your family, and your wallet. Here’s what to look for to keep your trees safe and standing strong.
Falling Branches
If you notice lots of dead branches on the ground, take a closer look at your tree. Trees that are struggling will start to send water and nutrients to the healthier branches, leaving the weaker ones to die. This happens often when trees have root rot. Keep your tree pruned and watch for the number of dead branches, so you can act if necessary.
Bare Branches
Deciduous trees (those that lose their leaves each winter) can give you clues to their health. If they don’t sprout new leaves during the growing season, that’s a sign of distress. If they lose their leaves too early in the fall, that could be concerning, too. These types of trees should lose their leaves from the outside in; if leaves die closer to the trunk or cling to branches rather than falling, the tree may have circulatory issues.
Cracks, Holes, or Split Trunks
Large holes, a split trunk, or deep cracks are signs of structural weakness. Trees with V-shaped trunk splits are especially vulnerable as their joints weaken over time. If your tree has a hollow section, it may attract nesting animals that can further damage it. An arborist may be needed to stabilize it in any of these cases.
Bald Spots and Bark Damage
A healthy tree will shed old bark and replace it with new growth. If bark is missing, peeling excessively, or has deep gashes and indents (known as cankers), it may be suffering from bacterial or fungal infections. You will need to clear those up or you risk losing the tree.
Fungus Growth
The presence of large fungi, such as wood conchs (bracket fungus), on the trunk suggests internal rot. Mushrooms growing at the base indicate that they may be feeding on rotting roots, which can weaken the tree’s foundation. You will need to act, either to resolve the issues caused by the fungus or remove the tree altogether.
Exposed Roots
Roots visible above ground may signal that the tree is no longer securely anchored. Cracked soil around the base can indicate roots are lifting, which increases the risk of the tree toppling over. This causes an immediate danger and should be resolved as soon as possible.
Vines Taking Over
While vines can add aesthetic appeal, they may also suffocate a tree by trapping moisture, leading to rot, blocking sunlight, and attracting insects. Carefully cut the vines at the base of the tree close to the ground, being careful not to damage the tree bark. (Avoid pulling the vines as that could damage the tree.) If the vine returns or is invasive, consult an expert to help you remove it.
Carpenter Ants
Large black ants on your tree may indicate an infestation. These ants prefer rotting wood, meaning your tree may already be compromised. Look for sawdust piles near the base as a telltale sign. If you suspect carpenter ants, get a professional consult. You may need to remove the tree.
Leaning Trees
Trees can naturally lean but be aware of when the angle is too much. A noticeable lean of 15 degrees or more could signal weak or rotted roots. Strong winds or loose soil can contribute to this issue. While some trees can be straightened if healthy, others may require removal.
Problematic Locations
Watch for changes in your trees in these scenarios:
Trees near water sources may become waterlogged, leading to root decay.
Poor drainage around trees on your property can weaken root systems.
Trees left exposed after nearby trees are removed may struggle with sudden changes in wind and sunlight.
Why You Should Act
Distressed or dying trees can pose a serious hazard. Not only are dead trees an eyesore, but they are also more prone to falling, potentially injuring someone or damaging your property. Additionally, dead trees attract pests like termites and rodents, which could spread to your home.
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.
