11 Insurance Resolutions You Should Make

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:

  1. 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
  2. Make sure you have replacement value if a fire or other disaster strikes
  3. Purchase earthquake or flood insurance if you live in areas prone to either
  4. Save on your premiums by investing in security and fire suppression systems
  5. Get renters insurance if you don’t have it yet
  6. Protect high-dollar items such as jewelry, fine art or musical instruments with scheduled personal property insurance
  7. Complete a comprehensive inventory of everything in your home in case you should ever have a claim

4 Auto Insurance Resolutions:

  1. 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)
  2. Make certain you have adequate protection from uninsured or under-insured drivers
  3. Add any new drivers to your policy (teens or a new spouse)
  4. 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.

Resources for this article:

https://www.statisticbrain.com/new-years-resolution-statistics/

https://www.insurancejournal.com/news/national/2014/08/12/337407.htm

https://www.knowyourstuff.org/iii/login.html

Vickie Wilson Hero of the Month: July 2015

NAH July Vickie Wilson

Vickie is a dedicated nurse, and has a big humanitarian heart. Vickie has been involved in many aspects of local and global humanitarian services most of her life.  One reason Vickie is an above average nurse is because she goes beyond the call of duty. Rarely does she say no to an opportunity to promote the service of the organization in which she is a part. She has participated in many works in East Africa; whereas, she has organized: health care to villagers and orphans, built (with help of supporters) a primary school, built latrines, facilitated the building of wells in rural villages of Kenya and taught infection prevention principles.  She also worked in Haiti after the 2010, 7.0 magnitude earthquake located 15 miles from Port-Au-Prince. Her responsibilities included helping the populace to find shelter and provided healthcare screening to injured victims.

Vickie actively supports and leads the annual February,  “Wear Red Day” activities in her community to educate women about heart disease. Heart disease is the number one killer of women in the US. She is also involved in helping foster care youth of the county in which she lives, to acquire life skills and plan for a good future. Friends and colleagues say she is very easy to talk to, compassionate, and an excellent leader. She is well respected by colleagues, superiors, and her community.  In 2014, her community awarded her the Outstanding  Women of Silicon Award. Vickie is married and has two sons.

 

California Casualty Prepared for America’s PrepareAthon

 

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Today is America’s PrepareAthon, the culmination of FEMA’s National Preparedness Month. The idea is for individuals, communities and organizations to be prepared for six specific hazards:

The message is that families, businesses and neighborhoods should know their risks, have a plan of action and prepare survival kits.

It got us thinking; “How prepared is California Casualty?”

First, client and employee safety is paramount at California Casualty. Security systems are in place at all our service centers. The company conducts drills for fires and other possible occurrences – complete with trained safety personnel who help with evacuations and account for employees when safety zones are reached. These evacuation assistants are trained in first aid, CPR and the use of automatic electronic defibrillators (AED).

California Casualty has implemented a business continuity and recovery plan should an earthquake, flood, fire, tornado, power outage or winter storm adversely affect operations at one or more of our service centers. Managers carry contact information for every employee so they can be reached in an emergency. Systems are in place so that key personnel can operate remotely and phone and data systems can be shifted to service centers that have not been impacted. This minimizes inconvenience and potential disruption to policy holders.

Yearly table-top disaster scenarios are run to make sure managers know the procedures and backup systems they can utilize. In worse case scenarios, staff can be temporarily relocated to other services centers to maintain the continuity of service to clients. With service centers in Kansas, Colorado, Arizona and California, California Casualty has the redundancies and virtual call routing to maintain operations even if a service center is completely down.

California Casualty also has an emergency outreach plan for clients who may be affected by a disaster. Calls are made to areas that have been hit by flood, fire, tornado, hurricane or flood to make sure our insureds are okay and to expedite help with claims. Our Field Managers and Claims personnel respond to disaster areas to make contact with those insured with California Casualty and aid in their safety, relocation and recovery.

California Casualty works very hard to keep client information and data protected with numerous advanced data security protocols and monitoring. As an added layer of safety, every auto and home insurance policy includes free 911 ID Theft Protection.

Preventing tragedies is also a main concern. California Casualty strives to help our policy holders prepare for various disaster scenarios with many links and preparedness tips at our website’s Resources page.

Are you prepared? Today is the day to make sure with America’s PrepareAthon.

At Home: A Guest Blog from Rescue Cpt. Michael Morse

It was weird watching Hurricane Sandy through my front window rather than through the windshield of Rescue 5. It seems as though every major storm that passed through New England over the last twenty some odd years waited for me to start my tour. Sad truth is, I liked that just fine. It’s easy being alone during bad weather, even if the job you are doing is hard. This time, things were different; I had to ride it out at home.

Being home and helpless is difficult. As the winds picked up velocity and the branches of the trees, and the trees themselves shook, and shattered and fell to the ground I could do nothing but watch. My window was as close to the action as I would get, and I was not all that crazy about standing too close to that window! I found it difficult to sit still and watch things go flying by, but there was nothing I could do to change what was happening.

Nature’s fury is a little less intimidating thanks to advances in technology. By pressing a button we are able to track a storm, know when it’s coming, when it’s going, how much rain to expect, how strong the winds will be, and a whole bunch of other information like barometric pressure and things like that that mean absolutely nothing to me. What did matter was the fact that I knew that this too would pass, and the lights will come on, and hopefully stay on, and life will return to normal. This confidence in our ability to weather a storm is a luxury only afforded the most recent generation, prior to us people hunkered down when the wind blew, hopeful it would end, but not knowing if things would get worse before they got better.

Maybe things were better that way, and some fear was instilled in humanity. Humility and appreciation seem much more appetizing when not sure if at the next moment everything could end, or be forever changed. Alas, humility has never been my strength, and as I watched the chaos outside of my window I knew it would all be over soon. The TV told me so.

I’ve often said that it’s our families that deserve the credit when we are out doing our thing, but I never really believed it. I thought I believed it, and if questioned would vociferously defend that statement, but as the windows shook, and more branches fell, and another tree succumbed to the eighty mile an hour gusts, and my heart pounded a little harder than I thought possible, and I contemplated calling 911 to report trees in the wires, I realized just how much I had taken the family I left behind for granted. I was nervous, and worried, and it was not a feeling that I’m used to. My family was used to it, having been left alone during emergencies for years.

I enjoy nothing more that being called to action, and braving the elements while responding to some emergency or other. It’s an adrenaline rush like no other, fighting natures wrath on the way to save some poor soul from whatever predicament they find themselves in. Even the most wildly lived lives consist mostly of boring routine, and the chance to challenge the elements and make a difference and break the monotony  is one I live for. Losing myself in an emergency is easy, and life affirming, and an enormous ego boost.

It’s a wonder I can even fit my head through the doorway of our home, where I weathered this storm, miserable, knowing that I was missing all of the fun.

And my wife stood by, busy with her routine, comfortable in her place, batteries ready, candles where they needed to be, dinner for days prepared, ice in the cooler, crossword puzzle books and some games next to the battery operated radio.

She was prepared. I was not. Somewhere in my thick skull the notion that I was above commoners in terms of severe weather readiness resided. Let the hurricanes, blizzards, heat waves, tornadoes and earthquakes come; I am ready, willing and able to respond to those emergencies! But prepare for them? Not even close. Preparation is dull, part of that 90% monotony called life. Preparation for things that “might” happen is far different than responding to things that “did” happen.

In my arrogance I failed to allow myself to live a moment in my families shoes. It is frightening enough to be at the mercy of the elements, hoping that the walls keep the weather out, and the basement stays dry, and the roof remains in place. Hunkering down during a storm is highly underrated. It takes more courage than I ever imagined, and I cannot begin to imagine one of us being out during the worst of it. I honestly don’t think I have what it takes to keep the home together, and stocked, and prepared. Sure, I can put beer in the fridge, and get cans of tuna and a manual opener, but can I keep my emotions in check when the house is shaking and the person I love is not there?

Being prepared is harder than responding. True strength of character is necessary, as well as leadership, courage, and faith. Anybody can take care of things after they happen, waiting for and being ready for anything that might happen, and doing so when you are terrified and your other half is gone takes a special person.

Storms will come, and storms will go, and each one is different in its intensity and potential for inflicting damage. Hurricane Sandy was a doozy, blazing a path of death and destruction through the eastern states. Truly heroic acts were performed by our first responders, and I watched the events over and over on my TV, proud to be part of that world, all the while humbled and awed by the heroes under my own roof.

________

EMT & Firefighting Guest BloggerCaptain Michael Morse is a Rescue Captain in the Providence Fire Department’s rescue unit and author of two books: “Rescuing Providence” and “Responding.” His blog was voted the winner of the 2012 CalCas Battle of the Blogs ‘Top Firefighter & EMT Blog.’ Cpt. Morses’s books & blog are great resources for EMTs and Firefighters- full of advice, news briefs, and day-to-day insider stories. To learn more about Captain Morse, check out our interview with him!

 

National Preparedness Month

It’s officially September!

Goodbye Summer sunshine, hello Fall foliage!

Aside from being the season of cider and sweaters, Fall is also…

National Preparedness Month.

Here at CalCas, we will be celebrating by posting weekly Preparedness content right here on our Blog 🙂

First on deck: A Preparedness App!

As a recent iPhone converter, I am all aboard the App train. I’m always on the lookout for exciting new stuff and this new app from the Insurance Information Institute is one such find!

It’s called the “Know Your Plan” App and it’s all about streamlining your Disaster Prep Plans.

What you should know about this App:

What it provides:

    1. A library of preloaded preparedness checklists for disasters including:
      1. Hurricanes
      2. Floods
      3. Earthquakes
      4. Tornadoes
      5. Severe Cold
      6. Wildfires
      7. Evacuation
    2. Tips for preparing an emergency kit
    3. Important property protection information
    4. Step-by-step preparedness tips
    5. Custom lists for your personalized preparedness plan
    6. Targeted task completion dates
    7. Tools to chart your progress (including a countdown feature!)
    8. Checklists share options for family and friends
    9. Evacuation resources (even one for pets!)
    10. Geotargeted emergency alert feeds for up-to-the minute information about local evacuation routes and other disaster information
    11. User-customizable notes

 

As Fall and September swing into full gear, make sure you are ahead of the curve when it comes to Disaster Preparedness.

After all, you never know when you may need it.

By compiling disaster preparedness information and plans all in one place–on your phone–you are putting life-saving plans in place.

Stay tuned for more great Preparedness content throughout the month!

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