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If You “Put a Ring on It”, Insure It

If You “Put a Ring on It”, Insure It

February is the month of love. If you choose to show your love with an expensive piece of jewelry, you’ll want to protect that enduring representation of your love.

One of the best ways is to purchase scheduled personal property (SPP) insurance, sometimes called a floater.

Here’s why: While your renters or homeowners insurance policy covers jewelry for theft or being destroyed in a fire, that coverage is limited. The average Valentine’s Day ring or necklace purchase is about $1,500, the average spend for an engagement ring is $6,000.

Scheduled personal property insurance provides higher coverage for your precious items, like high priced jewelry with coverage above and beyond what home insurance provides.

And, here’s the best part, SPP pays even if that prized piece was accidentally lost or damaged – such as losing a diamond down the sink or toilet. There is no deducible and SPP provides a replacement at the full insured amount. SPP usually costs about one to two percent of the item’s value.

Scheduled personal property isn’t just for jewelry; you might need the endorsement if you have:

  • Fine art
  • Furs
  • Rare coins or money collections
  • Expensive cameras
  • Firearms
  • Fine silverware
  • Stamp collections

And even if you already have gold and jewelry or a rare watch covered with scheduled personal property coverage, you may need a review. Gold and diamond prices have climbed the past few years and you may not have enough protection for their new value.

Don’t wait until your precious items are lost, stolen or damaged to find out if you have enough coverage to replace them; contact a representative today.

 

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.

 

Party Hosting Safety Tips- Super Bowl Sunday

Party Hosting Safety Tips- Super Bowl Sunday

Don’t spend your time worrying about an accident on Super Bowl Sunday, follow these party hosting safety tips and set your focus on the big game (and the commercials).

 

Party Hosting Safety Tips

Be a Good Neighbor

Just in case things get a little loud, let your neighbors know that you plan on hosting a Super Bowl party. As a courtesy let guests know where to park, so they do not block any driveways, and keep the party indoors or in a fenced-in yard.

Keep Your Pets Safe

Bring pets indoors and lock them in a separate room, far away from the commotion, with a TV or noise machine on. This will not only help them feel less anxious, but it will also give you peace of mind that they are safe and can’t run away.

Check the Food                              

Make sure your guests do not have any food allergies before you start prepping your meal. As you are cooking, remember to keep raw meats away from other food items and to always wash your hands between dishes.

Lock Up Valuables

Before inviting guests into your home make sure that you have all jewelry, cash, and other expensive items locked safely away and out of sight.

          Monitor Alcohol Consumption

Have guests who plan on drinking use Uber or another rideshare service, and make sure to have a set cutoff time at least an hour before the party is over.

Make Sure You are Covered

Let’s face it, accidents happen; especially when you have a rowdy crowd on your hands. Make sure you are covered by your homeowner’s or renter’s insurance policy. If you are unsure, give your California Casualty advisor a call today.

 

The Proper Coverage for You

If something in your home gets broken or stolen while you have people over, your policy will cover it. But, if you have high-value items like jewelry, antiques, collectibles, or furs, you will need to add extra coverage – scheduled personal property. 

If you are serving alcohol, be aware, that hosts can be liable if others are hurt by anyone driving from your party while intoxicated. It’s called the social host liability law. Personal liability coverage will also help in this situation by covering payments of medical bills and lawsuits from someone who was hurt on or off (leaving) your property. However, there are limits, so talk to your insurance advisor about an umbrella policy, for greater coverage.

 

Other Hosting Safety Tips

Here are some other important safety tips to keep in mind when hosting a party or get together.

-Hire a babysitter for young children

-Get approval from your Homeowner’s Association

-Install proper lighting inside and outside of your home and remove items that could cause someone to trip and fall

-Consider holding your getting together at a restaurant or bar, so you won’t be liable

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.

 

 

Freezing Out Broken Pipes

Freezing Out Broken Pipes

The plumbing in your home could be in danger when temperatures dip below zero, and the last thing you want to deal with when it thaws is a burst pipe, which can lead to substantial damage in your home.

All that water can eat through drywall, destroy carpets and fry electronics. The Federal Emergency Management Agency estimates that just two inches of water can cause more than $10,000 in repairs and replacement of flooded items. Six inches of water can add up to more than $30,000!

Before the thermometer plunges, here are things you can do to prevent pipes from freezing:

  • Disconnect outside hoses from faucets
  • Insulate water pipes, especially along exterior walls and unheated areas
  • Add insulation to walls and attics where pipes may run
  • Know where the shutoff valve is to your home

Once the sub-zero weather hits you should:

  • Let faucets drip to prevent freezing
  • Keep the thermostat above 55 degrees
  • Make sure garage doors are closed
  • Open kitchen and bathroom cabinets to allow warm air to circulate around the plumbing

So you’ve prepared and kept as much heat as possible going to cold areas, but the cold air still froze a pipe; what now? Stay calm but act as quickly as possible to:

  • Locate where the pipe is frozen
  • Open the nearest faucet to relieve pressure when the ice thaws
  • Slowly warm the pipe with a heating pad, hairdryer, space heater or wrapping it with hot towels – never use a blow torch or open flame

If the pipe has cracked or broken, immediately turn off water at the main water valve and call a plumber. Shutting off the water will prevent further damage.

And if you have damage from a broken water pipe:

  • Try to prevent further damage
  • Contact your insurance company as soon as possible
  • Take photos or video of the damage
  • Don’t make permanent repairs until the insurance company adjuster inspects the damage
  • Keep all of your receipts for emergency repair work or temporary housing if you are forced out of your home or apartment

Once a pipe freezes, odds are it will happen again. Here are some tips to prevent it in the future:

  • Hire a plumber to relocate to a warmer area
  • Add more insulation in walls, attics and crawl spaces
  • Wrap the pipe with electric heat tape, when temperatures drop, plug it in

Remember, if a burst pipe sends water into your home, contact a California Casualty Claims advisor as soon as possible; we can help get you started on the clean-up.

 

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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.

Space Heater Safety Tips – Don’t Get Burned

Space Heater Safety Tips – Don’t Get Burned

Winter is officially in full swing, and that means many of us will start to get out the portable heaters to combat those brisk nights and chilly mornings- that is, of course if you haven’t done that already. space heater

Used properly, portable heaters are a godsend, but it’s extremely important to pay attention to the possible dangers associated with that trusty little plug-in heater.

Portable heaters are responsible for an estimated 25,000+ home fires each year, causing terrible burns to thousands of people. Imagine how you’d feel if not paying attention to a simple appliance caused the destruction of your home or hurt your family.

That’s why you should follow these Space Heater Safety Tips 

  • Never use an unvented combustion heater indoors (safety experts recommend electric heaters instead)
  • Only purchase or use newer models that have current safety features and the Underwriter Laboratory (UL) label
  • Keep the heater on a hard, level, non-flammable surface such as ceramic tile
  • Make sure the heater is at least three feet away from flammables like bedding, drapes, furniture, and papers
  • Keep pets and children away from space heaters
  • Always turn the heater off when you leave the area
  • Never leave a space heater on when you go to sleep
  • Check to see if it has a tip-over safety switch that will automatically turn it off if it falls over
  • Avoid using extension cords and never run the cord under carpeting or mats

Pro Tip: these safety tips also apply when turning on the heat for the entire house. If you haven’t already, the National Fire Protection Association recommends us to have our heating system, or chimney, checked and serviced each year by a qualified heating and cooling professional to make sure it’s fire safe and there are no carbon monoxide leaks. It is also recommended to change the batteries in your smoke and carbon monoxide detectors during this time.

 

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Related Articles:

Fire Prevention Tips for the Holidays

Holiday Light Safety

The 6 Most At-Risk Fire Areas of 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 visit www.calcas.com.

New Year’s Eve Party Safety

New Year’s Eve Party Safety

We are about to turn the calendars to welcome in the beginning of a new decade – 2020!

Tonight, millions will gather around the world to ring in the New Year, and if you are hosting a New Year’s Eve party, remember; safety is the number one priority. Every year, people are hurt from slips, falls, and other numerous dangers associated with drunken New Year’s celebrations.

Here are some important party-planning safety tips you need to consider if you’ll be hosting a gathering to celebrate the arrival of 2020.

    • Clear decks, steps, and sidewalks of tripping  hazards
    • Keep pets locked or gated in a room away from the commotion
    • Remove jewelry or other valuables from areas where guests might be
    • Use battery-operated candles instead of flammable ones
    • Avoid setting off or using fireworks
    • Don’t leave food on stoves or in ovens unattended
    • Check for food allergies before serving any dishes
    • Keep foods warmed or cooled to proper temperatures to avoid foodborne illnesses
    • Limit alcohol consumption
    • Arrange for designated drivers, ride-sharing, or provide a place to stay for inebriated guests

Unfortunately, even when you take the best precautions, accidents can happen. But don’t fear, a homeowners or renters insurance policy with high liability limits will help protect you if the worst should happen. That’s why you should contact a California Casualty advisor today to make sure you are fully covered for the holidays.

Don’t forget to ask about special coverages for high-value gifts like jewelry, musical instruments or fine art when you call 1.800.800.9410 or visit www.calcas.com.

 

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This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.800.800.9410 or www.calcas.com.

 

End of the Year Home Inventory

End of the Year Home Inventory

The Holidays are over, and that means it’s time to find room for all of the new Christmas gifts that you received over the holidays. The easiest way to keep track of all of your possessions is creating- and continually updating- a Home Inventory.

A Home Inventory is a list of the valuable objects that you have inside of your home.

It may sound like a waste of time, but this list will be your saving grace if there is a fire, destructive storm, or if someone breaks in and steals your belongings. Without one many people have a difficult time pinpointing or recalling everything that might have been destroyed or taken, and unfortunately, that can delay homeowner claims or keep you from getting your full compensation.

So, when the New Year rolls around make the time to take inventory of your home and all of your new treasures. It’s easy! Just go room by room and document:

  • Electronics
  • Personal Care Items
  • Jewelry
  • Art
  • Kitchen items and appliances
  • Furniture
  • Carpeting
  • Beds and linens
  • Clothing
  • Sports equipment
  • Tools

Don’t forget to take pictures of the exterior of your home as well -photos are best from all angels- including the landscaping and any decks or porches- and also take note of everything in the garage, attic, or basement, like holiday ornaments, lawn and yard equipment, tools, etc.

You can choose to write everything down, but we suggest to use photo/video documentation of your belongings. To make the whole process easier on you we’ve created a Household Inventory Checklist that walks you through each possession you may have, so you don’t forget anything- you can even document the value. Just attach your photos to the document or put them in a folder on your phone and you are good to go! Click here for the checklist.

Trying to tally up what needs to be replaced is not something you want to do in the event of a claim, so taking the time to complete an inventory will be more than worth it. You can even use the time to get rid of the old and make room for all of the new!

 

Related Articles:

Too Late is Too Late: Why You Need a Home Inventory

5 Things Not Covered By Most Home Insurance Policies

Protect Your Home and Family- Know It. Do It.

 

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.

 

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