June through September is the peak of wedding season in the United States. Every year 2.1 million couples tie the knot. That breaks down to nearly 6,000 weddings a day!
If you have a special day coming up in the near future, be sure you make all of the appropriate changes to your personal documents, property, and information, so your new bride or groom is represented. These changes also include your insurance.
So, to make it quick and easy here are some insurance tips for newlyweds. Some could even end up saving you some money.
Combine Your Insurance
If you have separate cars with different insurance companies, you’re eligible for discounts by putting both vehicles on the same policy. It also ensures that both drivers are covered no matter which car they use.
PRO TIP: You can save even more by bundling your autos with your home or renters insurance.
Check for a Marriage Discount
Inform your insurance company of your marriage – most auto and home insurance companies offer important discounts for newlyweds. Men under the age of 25 are usually considered high risk drivers. However, once they marry, they often see a big drop in insurance premiums. Lower rates can also apply to those in domestic partnerships.
Increase Homeowner or Renters Coverage
Wedding presents are wonderful! You now have a new set of dishes, expensive new appliances, and other valuable items for your home. Don’t forget, these assets need to be covered. Talk to an insurance advisor to make sure you have enough coverage to protect all the things you own and to increase your liability protection. It’s also a great time to create an inventory of all the things you own to help you purchase the right insurance protection and make filing a claim much easier.
Get Extra Protection for High-Value Items
That beautiful new wedding ring and special gifts like fine art or silverware may need scheduled personal property protection, often called a “floater,” to make sure they are covered for their full value. Most homeowners and renters policies will provide limited coverage for those items. Scheduled personal property coverage will also pay to replace a ring, without a deductible, even if it was misplaced or damaged in the disposal.
Just like marriage, California Casualty is a committed partner in helping with your auto and home insurance needs. One of our advisors can walk you through everything from combining your vehicles to completing a name change.
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 officially the best time of the year. Football season!
Everyone knows that football is not the same without watch parties and tailgates! You’ve got the cold drinks, the savory BBQ, and the big screen ready for friends and family to come over and watch your favorite teams all season long. However, there could be one thing missing. Homeowners or renters insurance.
Let’s face it, accidents happen. Especially when you have a rowdy crowd on your hands and your team is deep in the 4th quarter. Homeowners and renters insurance protects you if one of your guests stumbles into your flat screen and it falls to the floor. Or, if someone trips and crashes through that glass table in the living room. With the proper coverage, you won’t be penalized.
If something in your home gets broken or stolen while you have people over, yourpolicy will cover it. But, if you have high-value items that could get damaged or go missing like jewelry, antiques, collectibles, or furs, you will need to add extra coverage – scheduled personal property.Accidents are inevitable, but the best way to avoid losing or having to replace your collectibles is to put them in a safe place, away from the crowd when you are hosting events. Think locked room or basement.
What if Someone Gets Hurt in My House?
Any time you are a host, especially for a high energy crowd, there’s the risk that someone may accidentally get injured. Whether it’s from a touchdown dance celebration or tripping on a rug, homeowners and renters insurance with personal liability coverage will cover it.
If you are serving alcohol, be aware, the Insurance Information Institute (III) warns 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. There are limits, so you talk to your insurance advisor about an umbrella policy, which will provide much greater coverage.
What Else Can I Do?
Here are some important hosting safety tips you can use during football season:
Talk with your insurance advisor about any policy exclusions or limitations before you throw a party
Install proper lighting inside and outside of your home
Remove valuable items and objects that could cause tripping or falling
Consider holding your getting together at a restaurant or bar instead
Have someone sober in charge of monitoring guests
Encourage the use of Uber and designated drivers
Lock up pets in a separate location or outside
Make guests who’ve had too much to drink turn over their keys
Make sure you’re on the winning team if you are hosting a football party. Contact a California Casualty advisor today to make sure your homeowners or renters insurance will protect you in a liability blitz. Call 1.866.704.8614 or visit www.calcas.com.
Disaster can strike at ANY time during ANY season. So, each year we are here to remind you to prepare for disaster situations in your home and communities.
BE PREPARED: Before an emergency or natural disaster strikes, here are 10 things you can do:
Have a safe location planned for shelter if your town is evacuated.
Plan for your pets and know where they will stay if you are evacuated. Hereare some pet-friendly hotels.
Have aplan where you and family members will meet and how you will communicate if you become separated.
Create an emergency kit, that meets your family’s particular needs.
Complete a homeinventory and document all of your belongings (clothing, mattresses, bedding, kitchen appliances, furniture, electronics, etc.).
Back up important phone contacts and photos physically or on The Cloud.
Check your insurance coverage with an advisor, to make sure you’re adequately covered or add protection (ex. Home, Renters, Auto, Flood, Earthquake, Floater, and Umbrella).
BE READY: If you need to evacuate:
To find local shelters download the FEMA app, text SHELTER and your ZIP code to 43362 (ex. SHELTER 12345), or visit the American Red Cross’ website.
Contact California Casualtyas soon as possible and save all receipts for living expenses, such as hotels, meals and other essentials.
Monitor local media about conditions, further evacuations, or when it might be safe to return home.
BE SAFE: When you return home, there are many potential dangers, such as:
Though it is National Preparedness Month, it is important to remain prepared every month of the year. An emergency or natural disaster can strike at any time or place; and if it does, please remember, you are not alone. California Casualty is there when you need us most, to help make sure you and your family are covered.
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.
Being a first responder takes a lot of dedication, time, and training. You shouldn’t have to worry whether you have the right auto and home insurance. That’s why law enforcement and fire organizations have worked with California Casualty for decades to provide auto and home insurance to their members with exclusive benefits that are not available to the general public.
Here are 7 exclusive benefits for first responders from California Casualty:
Waived Deductibles- California Casualty reduces the deductible up to $500 if your vehicle is vandalized or hit when parked where you work as a first responder.
Personal Items in Your Vehicle- California Casualty includes $500 coverage for personal property (including turnout gear, safety equipment, and personal off-duty firearms) stolen from or damaged in your vehicle.
Fallen Hero Benefit- California Casualty waives the insurance premium for the current year and the following year for the surviving spouse or partner of an insured firefighter or law enforcement officer who dies in the line of duty (not available in GA, MT, NH, TN and TX).
Identity Protection- Each policy with California Casualty comes with FREE ID Theft protection and resolution services from CyberScout.
Flexible Payment Options- Whether you like to pay one bill or do monthly installments, California Casualty lets you choose what works best for you. They also offer summer or holiday skip payment options so you can maximize your budget for the times when you need the money for other things.
Insurance for Your Pets- Every auto insurance policy automatically includes up to $1,000 for vet bills if your pet is injured in a covered loss in your vehicle. California Casualty’s partner, Pets Best, also offers reduced rates for pet health insurance.
Custom Parts and Accessories- California Casualty covers up to $2,000 for things you’ve added to your truck or van like custom rims, roll bars and furnishings (including pickup bed liners and covers).
Firefighter and Peace Officer associations have partnered with California Casualty because they have auto and home insurance policies tailored to best fit the lives of first responders. Be sure that you have all the coverage you need with the exclusive discounts you deserve. Contact a California Casualty adviser for a no-hassle policy review today, 1.866.704.8614 or https://www.calcas.com.
*All coverages may not be available in all states. In the case of any loss, the policy terms and conditions will apply.
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.
The rush is on to get everything ready as students head back to college. If yours are moving into a place of their own, don’t forget to purchase renters insurance to protect all the special items that make their new place their home away from home.
Here are some important reasons why it is a necessity for your college student(s) to have renters insurance:
1. College kids have more these days: books, bicycles, TVs, computers, tablets, gaming systems, smartphones, sound systems, clothes, bedding, furniture, and kitchen items. Replacing those items if they were stolen, damaged or destroyed in a fire could add up to tens of thousands of dollars. Renters insurance also pays for temporary living expenses, like a hotel room, while their room or apartment is being repaired.
2. Once they move into a place of their own they usually need their own renters insurance policy. Most students who live in a dorm have personal property coverage under their parents’ homeowners insurance.
3. A landlord’s insurance policy won’t cover your student’s belongings. The landlord’s insurance protects the building and only pays to fix walls, roofs, etc., not any of your kid’s contents.
4. Renters insurance provides liability coverage if someone gets hurt at your student’s home/apartment. It helps pay for medical expenses and other costs, like legal fees, if the injured person sues.
5. Renters insurance a great value. On average, it costs between $10 and $20 a month, or about $200 a year. That’s less than most people spend each month for cell phones or their cable bill.
Policies from California Casualty also providefree ID theft protection from CyberScout, adding another layer of security in our modern world of social media, data breaches, and online trolls. Now is the time to find out how little renters insurance costs, and how it can cover your student’s belongings. Learn more by contacting an advisor today at 1.866.704.8614 or visithttps://mycalcas.com/quote
This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses.
This has led to some of the most dramatic disasters in the U.S. Throughout these impressive weather swings, roofs have been damaged, homes flooded, trees toppled and vast acreage blackened. Many property owners are wondering what’s next and what they can do to safeguard their property?
Here are some important steps that you can take to help protect your property and your family from the major effects of climate change.
Storms
Snow and ice storms, hurricanes and spring/summer thunderstorms have become more intense. From record hail, tornado outbreaks, and torrential downpours; our homes and property are taking a beating.
When these storms hit, check and repair:
Roofs and shingles
Gutters and downspouts
Decks and porches for loose, cracked or exposed wood
Exterior for chipped or peeling paint, cracks, holes or exposed wood or siding
Attics for evidence of leaks
Basements or crawl spaces for damp areas and cracks
Concrete slabs for cracks or shifting soil
Chimneys for damage or dirty flues
Trees and bushes for broken or weak trunks and branches, and removing any branches that overhang your home
Fire
Wildfires in much of the country have burned hotter and consumed more structures and acreage in recent years. Climate change has extended the fire season by an extra two months across the U.S.! In much of the South and West it begins in early spring, ending late fall.
Fire prevention experts recommend that anyone in or near a fire-prone area, especially what is called the Wildland Urban Interface (WUI), needs to take these steps to minimize their fire risk and help responding crews:
Create at least a 100 foot defensible space area around homes and structures (200 feet or more may be needed on hillside areas)
Keep combustible wood piles, propane tanks and other flammable materials 30 feet from homes and structures
Remove weeds and dry shrubs near structures
Keep laws trimmed and mowed
Trim tree branches 10 feet up from the ground and remove any that overhang your home or other structures, and keep trees spaced 30 feet apart
Install a fire resistant roof and deck
Make sure your street name and address are visibly posted for emergency vehicles
Clear flammable vegetation 10 feet from roads and five feet from driveways, and cut back overhanging branches on roads and drive ways
Keeping your home well maintained is essential to withstand the vagaries of weather. You can find more wildfire preparation tips here.
Know Your Insurance
In the event of these extreme storms it is also critical that you understand your insurance and know:
If your homeowners policy includes replacement cost or actual cash value,
Whether you are covered for new additions, improvements or appliance and other upgrades,
That a floater or scheduled personal property endorsement is needed to fully cover high value items such as fine art, furs, jewelry, silverware and musical instruments
Keep in mind: flood and earthquakeinsurance are not included with your home or renters policy. However when you have California Casualty, you can easily add each to your policy though our agency services program. Please contact: 1.877.652.2638 or agencyservices@calcas.com .
Another important coverage you should add to your policy is comprehensive coverage. Without it your vehicle won’t be protected if it is damaged or destroyed by a flood, fire or falling tree limb. To ask a customer service representative about adding comprehensive coverage please contact: 1.800.800.9410 or visit www.calcas.com
Lastly, make sure your belongings are also completely covered in the event of a storm or fire. If you haven’t completed a home inventory yet, now is the time to do it. Having a list and proof of the things you own will help you with reimbursement if your home or apartment is damaged by a natural disaster. For our free Home Inventory Guide click here.
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.
