It seems as if almost every household has gotten a hoverboard; they are one of the hottest gifts of the New Year. Hoverboards are similar to skateboards but they have a motor and can move along at speeds around 10 miles per hour. If you were one of the many hundreds-of-thousands who purchased one of the new high-tech gadgets, be aware that they also have a dangerous side.
The U.S. Consumer Product Safety Commission (CPSC) is warning that many of the self-balancing scooters have burst into flames due to faulty batteries. People and property have been burned and airlines and many college campuses are now banning them because of the fire risk.
The other hazard is from falls. How is your balance? If it’s not very good, stay off a hoverboard. Scores of users have suffered scrapes, bruises and even broken bones after being tossed off the motorized devices. There are a multitude of videos and news sites highlighting “hoverboard fails.” Some of the injuries have been very serious.
So before you get on a hover board, make sure you have a proper helmet, protective padding and wrist and elbow guards. The CPSC also advises to:
Avoid buying them at locations like a mall kiosk or website that doesn’t have information about who is selling the product and how they can be contacted if there is a problem
Be very careful when charging the board – don’t overcharge it, don’t leave it plugged in overnight, always observe it while charging, and keep it away from flammable items
Let it cool after riding before recharging it
Leave it in its partially charged state if giving one as a gift – never take it out of the package to bring it to a full charge and rewrap it
There is another major issue concerning hoverboards – insurance and liability risks. Since they are a motorized device, you may not be covered if you hurt somebody while riding one. If you hit a crack, crash into a person and cause them injury, coverage under your homeowners liability might be excluded. Also, if you loan your hoverboard to someone who subsequently falls and gets injured, you might be on the hook for any hospital or medical bills.
Now, if your hoverboard starts a fire and causes damage to your home or apartment, and you have homeowners or renters insurance, you might be covered for the cost of repairs. Those policies provide protection from accidental fires, but every company and contract is different.
So, the moral of the story is that you should be very careful if you have a hoverboard. You’ll want to read all the safety information that should have come with the device, and be vigilant when charging it. You also need to contact your insurance company to learn about your coverages and how you might be impacted if there were an accident with your hoverboard.
If you don’t have homeowners or renters insurance, now is the time to get it. One of California Casualty’s exceptional advisors is ready to help; call today at 1.800.800.9410 or visit www.calcas.com for a policy comparison or review.
What can we expect in the New Year? There will be a new president of the United States, many are predicting another see-saw year for the stock market and Forbes predicts the Olympic Games in Brazil will turn out to be the most poorly run in history.
What can you expect when it comes to insurance? Here are the thoughts of one prognosticator:
Millennials will have a bigger impact – now in their mid-30s, this has become the generation replacing the aging baby boomers with influence and dollars. Insurance companies will have to continue to adapt to serving them online and offer more services accessible from mobile devices.
Bigger rewards for consumers who adapt to the Internet of Things (Io T) – whether it be devices that monitor how you drive or emerging technologies for the home, insurance companies will continue to use data from intelligent devices to predict losses and reward those who install them. They include water or leak detection systems, interactive door locks, and appliances that can communicate and be controlled via a smart phone or other mobile device.
Renters insurance will spike – with the increasing trend of more millennials opting to rent than buy homes, the renters insurance market will continue to boom.
More peer-to-peer insurance – there will be more specialized insurance dedicated to targeted groups of policyholders. The concept is a return to the earliest forms of insurance that pooled together like-minded groups like farmers. Peer-to-peer insurance provides quality protection at reasonable rates.
As we face a New Year with excitement and uncertainty, it’s good to know there is a company you can depend on for your auto and home insurance needs. California Casualty is a 100 year old company founded as, and continues to be, a policyholder owned company that serves specialty groups: law enforcement, firefighters, educators and nurses with exclusive benefits not available to the general public. They have partnered with us because of our competitive rates and insurance that reflects their members’ professional lifestyles. This means:
Deductibles waived or reduced for vandalism or accidents that occur where your vehicle is parked at work
Personal property damaged or lost in a collision, fire or taken from your car is covered up to $500
Rates guaranteed for a full year (not six months)
Free identity theft protection with each policy
Multiple payment options including EZ Pay and holiday or summer skips
Are you using all of your professional benefits? Now is the time for a policy review to see if you could be saving money or getting better coverage for your auto or home. Call one of our award winning advisors today at 1.800.800.9410 or visit www.calcas.com.
As we drop the confetti and toast the New Year, an annual tradition is to make a resolution. What will yours be? Here are the top five resolutions Americans have made in recent years:
Lose weight
Get organized
Spend less and save more
Enjoy life
Become more fit and healthy
Unfortunately, research shows less than 10 percent of those of us who make resolutions actually keep them.
But, there are easy actions you can take that could save you money and provide peace of mind.
Every year, many Americans fail to take stock of their biggest assets: their homes and vehicles. Here is a list of 11 simple resolutions you can make this New Year to protect the most valuable possessions you have worked so hard to attain.
7 Home Insurance Resolutions:
Do a yearly policy review with an insurance advisor to check that you are getting all the discounts you qualify for, that you adequately insure any new additions or appliances, and verify that your liability coverage isn’t lacking
Make sure you have replacement value if a fire or other disaster strikes
Protect high-dollar items such as jewelry, fine art or musical instruments with scheduled personal property insurance
Complete a comprehensive inventory of everything in your home in case you should ever have a claim
4 Auto Insurance Resolutions:
Get a yearly policy review to check deductibles, coverages and to make sure you are getting all the discounts you qualify for (professional, multi-policy, good student, mature driver)
Add any new drivers to your policy (teens or a new spouse)
Bundle your auto and home insurance to receive deeper discounts
We Are Here To Help
Start the New Year off right; resolve to call today to make sure you are getting the professional discounts you deserve: $500 coverage for items destroyed or stolen from your vehicle, deductible waived or reduced if your vehicle is vandalized or hit while parked where you work, and special coverages for the equipment used for your job.
California Casualty advisors are ready to help you with any questions, do a policy comparison or review, or make any insurance changes you may need at 1.800.800.9410, or go online at www.calcas.com.
Knowing the despair that follows a major loss, Carrie Mitchell founded TWS Home Inventory in 2012 after helping victims of the devastation caused by Colorado’s Waldo Canyon fire in. It was in the aftermath that Carrie realized how much heartache and stress could be avoided with a professionally detailed home inventory. TWS Home Inventory is now available in California and the East Coast.
Carrie and TWS Home Inventory have been featured in Colorado media, FOX News National, FOX News Business, the Insurance Journal and the Huffington Post. Carrie will be providing us with important content about the need for a home inventory and the many ways not having one could hurt you.
California Casualty proudly insures a sector of society that knows all too well the importance of being proactive instead of reactive in our everyday lives. As educators, health care providers, fire fighters, first responders, and peace officers you see the devastating aftermath of situations outside of our control.
TWS Home Inventory and Asset Management Group was founded in 2012 as a direct result of the plight of affected homeowners in the aftermath of Colorado’s Waldo Canyon Fire. As a homeowner personally affected by this natural disaster that devastated the Colorado Springs area in 2012, I saw first-hand the trail of destruction left behind: over 350 homes destroyed and countless numbers severely damaged, 18,247 acres of forest blackened, firefighting costs alone were over $15 million, home losses and insurance claims were estimated at over $356 million two years after the fire, and many claims remain in dispute even after three years.
Although most homes were insured, the financial recovery for contents was much less than the insured structure amount and for valuables such as jewelry, guns, paintings, family heirlooms and antiques. Many of these precious possessions were simply lost forever. The simple reason for this fact is that most homeowners had no physical record or documentation of their valued possessions, let alone were even able to remember a fraction of the items lost. Now, three years later, many homeowners are still struggling to itemize their possessions leaving them with a feeling of being victimized a second time.
As a volunteer assisting these homeowners, the idea for a professionally documented home inventory service was born and TWS Home Inventory and Asset Management Group was formed. In 2013, the Black Forest Wildfire brought even greater devastation to the Colorado Springs area with over 511 homes destroyed and it was followed by the Waldo Canyon Flood.
The Root of the Problem
Once insured, a homeowner assumes that everything is covered and is totally unaware of the serious need for a documented inventory, much less the value that it adds to their insurance coverage. In my experience, most homeowners never read their policy to see what actually is and is not covered until they are in the claims process. Any loss, partial or total, requires some form of proof of ownership of contents, especially when it comes to specific valuable articles. Working with victims of loss, one thing seems to always be evident; homeowners tend to want to blame the insurance company for insufficient compensation. Unfortunately, few realize until after the fact that it is the homeowner’s responsibility prior to that loss to inform the insurance carrier of what they own to ensure proper coverage.
In the coming months we look forward to sharing with you the invaluable information learned over the past three years from homeowners affected by some of the worst natural disasters in recent years. Our goal in this series is to help educate proactive policyholders on the specific personal items you may own which need to have appraisals, floaters, riders, and endorsements not covered in a typical homeowner’s policy, because
When it’s too late….It’s too late!
You can learn more about Carrie Mitchell and free home inspection resources at
There’s no better feeling than finally get your holiday gift buying done. It’s such a sense of accomplishment and you can’t wait to see the beaming faces of friends and loved ones opening their special presents. However, if you’re not careful you might also be is advertising that bounty to crooks and thieves who are looking to take it from you.
Nothing steals the joy of the season like a holiday home burglary. Unfortunately, the FBI warns that they increase during the holidays with nearly 400,000 break-ins occurring during November and December. Most of those are crimes of opportunity from criminals looking for an easy target.
Here are things you can do to reduce your risk of being a victim:
Make your home less vulnerable
Trim back bushes or hedges that block visibility and give thieves areas to hide
Install outdoor lighting (motion sensitive are best)
Put indoor lights on timers
Have a security system installed
Get a dog (crooks say a barking dog is a huge deterrent)
Keep garage doors closed
Always lock doors and windows
Keep watch of your neighbors’ homes and ask they do the same for you
Don’t advertise to criminals
Stop mail and newspaper deliveries if you are going away
Arrange for your neighbors to accept any home deliveries when you are not home
Don’t leave garbage cans out while you are away
Never leave notes on doors telling someone you are out and when you will return
Do leave a radio or TV on while you are away
Have a trusted friend, neighbor or relative make trips to your home or park a car in the driveway to make it look lived in while you are away
Conceal valuables and don’t leave Christmas trees and presents visible from the outside
Break down and conceal boxes for expensive items and electronics when putting out the trash (boxes for the new 60” HD TV or the latest computer are like shopping flyers for thieves)
Don’t advertise on social media that you are going away to grandma’s house or on a wonderful vacation (this also applies to your children)
Protect yourself
Make a complete home inventory of your possessions to assist if you need to file a police report, help speed up an insurance claim and help with a tax-loss write off
Be sure to have an identity theft protection and recovery service if burglars get access to your personal or banking information
Not only do you feel violated after someone breaks into your home, but it can be expensive to fix the damage and replace items. That’s why you need homeowners and renters insurance. We can’t stop all criminals, but California Casualty is here to protect you with quality auto and home insurance with exclusive benefits not available to the general public. Every policy also comes with free ID theft protection. Call an advisor today for a policy comparison or review at 1.800.800.9410, or visit www.calcas.com.
Fall is my favorite time of year; the air turns crisp and cool, the leaves change brilliant colors and it’s a nice breather before winter sends its icy grip. As the days grow shorter and the leaves fall, it’s the perfect time to look around your home and get prepared for winter. Fall’s mild temperatures and adequate daylight provides an opportunity to check the heater, repair gutters and add extra insulation to the attic. An early autumn storm or blizzard is no time to learn you have leaks or other problems.
The Insurance Information Institute estimates that winter-related damage causes over a billion dollars in insurance losses annually. Prevent your home from being a statistic; use this checklist to make sure it’s ready for the onslaught of winter:
Have your heating system checked and cleaned
Inspect ceilings, windows and outer walls for cracks
Change air filters
Check your pipes and plumbing
Inspect your roof for wear or damage and clean the gutters
Install weather stripping and caulk around windows and doors
Seal up foundation and driveway cracks
Check your fireplace and chimney for cracks or leaks
Look around your deck or patio and yard; now is the time to clean and store seasonal outdoor furniture and flower pots, drain sprinkler systems, trim trees and shrubs, fertilize lawns and mulch gardens. Don’t forget to service the snow blower and lawn mower while you are at it.
You also need to make sure your home is fire safe and you check your smoke and carbon monoxide detectors; the National Fire Protection Association warns that home fires and carbon monoxide poisonings climb during the fall and winter months. They recommend:
Installing smoke alarms in every bedroom, outside each separate sleeping area and on all levels of the home
Installing carbon monoxide detectors in a central location outside each sleeping area and on all levels of the home
Testing all smoke and carbon monoxide detectors and replacing the batteries once a year (fall is the preferred time)
Having heating equipment and chimneys cleaned and inspected every year by a qualified professional
Keeping any flammable material at least three feet from heat sources
Checking fire extinguishers
Knowing and practicing home escape routes
A vital preparation for any season is to review and understand your homeowners or renters insurance policy. Contact a California Casualty advisor today for a free, no hassle insurance policy review and comparison at 1.800.800.9410. You may also find you qualify for significant discounts and better coverage.
