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.
When an emergency or natural disaster strikes, it’s important to have an emergency preparedness kit stocked and ready to go with basic items that meet your family’s particular needs. Building an emergency kit is quick and easy. Plus, it could save your life.
It is recommended that you pack enough items to last you (and each member of your family) at least 72 hours. Start with a sturdy backpack or duffel bag that can hold days worth of supplies. Be sure to put non-waterproof items going into your kit in air-tight plastic bags before putting them in your backpack or duffel. Below is a complete list of basic items that should be in your emergency kit and additional items that you could add based on your families needs.
Basic Items for Your Emergency Kit:
Non-Perishable Food Items
Toilet Paper
Bottled Water
First Aid Kit
Personal Medications.
Flashlight
Cash & Credit Cards
Multi-Tool with a Can Opener
Wrench or Pliers Kit (to turn off gas/water lines)
Pet Food & Supplies (food, litter, collars/leashes)
Baby Supplies (formula, diapers, rash cream).
Non-Prescription Medication
Liquid Bleach (to disinfect water and/or cuts).
Paper/Plastic Cutlery
Books & Board Games
Rain Gear (umbrellas, ponchos, jackets)
Work Gloves.
Extra Set of Glasses
Extra Shoes
Scissors
Maps.
Once you have your emergency kit assembled, put it in a secure, easy to reach spot inside your home. Be sure other members of your household are aware of the location of the safety kit. You should check your kit every 6 months to make sure all of your items are up-to-date and not expired.
This article is furnished by California Casualty. Get a quote by calling 1.800.800.9410 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.
Keeping track of all our security passwords and codes is a pain. There’s one for the credit cards, a few for work, and a half dozen others for everything from the online bill paying to our social media accounts.
Since it’s become such hassle, all too many of us are using an easy-to-remember password that is making it very easy for cyber-crooks to breach our security and have access to our bank accounts and other important personal information. In the US alone there is a hacker attack every 39 seconds. That is why creating a strong password that is easy for you to remember, yet difficult for a hacker to guess is so important.
When you create a password to protect your personal information please avoid using:
123456
password
123456789
12345678
12345
111111
1234567
sunshine
qwerty
iloveyou
These passwords have been named “worst passwords of the year 2018” and many of them have been on the worst list for YEARS. Using these, and others like football, abc123, and 654321 (also on the list), means you are making it too easy for hackers and criminals to compromise your accounts.
So, what’s the key to creating a complex, secure password? Use one that employs 12 characters or more with a mix of symbols, letters, and numbers.
To avoid having one of the worst passwords, follow these password creation tips:
Create passwords with as many letters, symbols, numbers and mixed case letters as possible
Store your passwords in a safe place that’s not on your computer
Use different and unique passwords for important accounts
Set up your password recovery options and keep them up to date
The United States Computer Emergency Readiness Team, part of the U.S. Department of Homeland Security, says a secure password should look something like this: Il2pBb3x!. The sequence comes from, “I like to play basketball three times a week,” just changed to simple symbols. Or think of a word that only has significance to you, change a few letters to make them capital, make some letters into symbols, and add in a long number. Ex. m@VEr1cK5991
And, if that all seems too complicated, there are free online password generator internet sites that will do the hard work for you. But once you’ve created a nearly full-proof password, your work is still not done. Experts advise that passwords need to be changed often, possibly once a month or quarter.
California Casualty also offers an added layer of protection; every auto and home insurance policy comes with free ID Theft 911 protection, which comes with ID theft resolution service. Contact an advisor for more information or a free policy review at 1.866.704.8614 or visit www.calcas.com.
The hustle and bustle of the first days of the new school year can get a little crazy. Kids are racing to see their friends, buses are crisscrossing the area picking up and dropping off students and hurried parents are trying to drop their kids off before they have to head to work. Paying attention often goes by the wayside.
This is why it’s more important than ever to practice extreme caution around school zones and neighborhoods.
Don’t load or unload children across the street from schools
Carpool to reduce the number of vehicles at school
Put down cell phones and other mobile devices
Other safety tips to prevent auto-pedestrian injuries around schools include:
Not blocking crosswalks when stopped at a red light or making a turn forcing pedestrians to go around you; this could put them in the path of traffic
Always stopping for school crossing guards
Using extra caution to look out for children at bus stops, school zones, playgrounds and parks and in all residential areas
Never passing a vehicle stopped for pedestrians
Remembering that pedestrians have the right of way
And to prevent distracted walking and texting accidents, students are reminded to keep their head up and phone down and:
Never walk while texting or talking on the phone
Always move out of the way of others and stop on the sidewalk to text
Never cross the street while using an electronic device
Do not walk with headphones on
Be aware of their surroundings
Always walk on the sidewalk if one is available; if a child must walk on the street, he or she should face oncoming traffic
Look left, right, then left again before crossing the street
Cross only at crosswalks
Remember, the first days of school can be a dangerous time for excited students. Safety experts stress that we all need to slow down near school zones, wear seatbelts, leave early so we aren’t rushing and never drive distracted (texting, eating or drinking, horsing around with passengers or adjusting the radio or adjusting the navigation system).
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.
Summertime is in full swing! However, along with summer heat is the threat of summer burglary. Nobody wants to return home to find someone has burglarized their hard-earned possessions.
Unfortunately, the U.S. Department of Justice warns that break-ins heat up during the summer months. Most of those are crimes of opportunity from criminals looking for an easy target like open windows or garage doors.
Trim back bushes or hedges that block visibility and give a thief areas to hide
Install outdoor lighting
Put indoor lights on timers
Have a security system installed
Get a dog
Keep garage doors closed
Always lock doors and windows
Keep watch of your neighbors’ homes and ask they do the same for you
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
Don’t Advertise to Criminals
Stop mail and newspaper deliveries if you are going away
Arrange for any home deliveries to your neighbors 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
Leave a radio or TV on while you are away
Conceal valuables and don’t them 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 a wonderful vacation (this goes for your children)
Protect Yourself
Make a complete home inventory of your possessions to assist if you need to file a police report, 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
Protect your possessions with homeowners or renters insurance
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 adviser today for a policy comparison or review at 1.800.800.9410, or visit www.calcas.com.
For more information visit:
https://bit.ly/2JXf93n
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This article is furnished by California Casualty, providing auto and home insurance to teachers, law enforcement officers, firefighters and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
