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8 Tips for a Great BBQ

Are you throwing a barbecue this summer and want it to be better than your neighbors? Be sure to plan ahead and consider including these 8 tips into your BBQ to ensure that guests leave saying yours was the best all summer:

  1. Theme – Pick a theme to encourage party-goers to dress up. This will also help you pick the music for the fun day.
  2. Entertainment – Pair the music with the party theme and put out theme-related games out for everyone to play.
  3. What you Grill Matters – Don’t stick with the typical burgers and hot dogs. Opt for some shrimp and pepper kabobs or tri-tip steak.
  4. Safety First – Follow all grilling safety regulations and be sure to follow the appropriate safe food handling rules to ensure no guests leave with food poisoning. That will surely make the competition speed past you.
  5. Plan Ahead – Marinate your meat 24 hours ahead to ensure great flavor.
  6. Be Considerate – Account for any allergies or any vegan or vegetarian guests that probably won’t enjoy that nice hunk of meat you’ve got there on the grill. Have a variety beverage selections as well.
  7. Don’t be cheap – If you’re going to have a party, have a party. Don’t buy cheap meat that your guests won’t enjoy.
  8. Most importantly – ENJOY! Don’t spend the whole time grilling. Be sure to show your guests how much you appreciate their presence.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles homeowners insurance needs.

 

Summer Kid Safety Tips

Summer is a time for relaxing and fun, but all that can be ruined if one of your children are injured. It is important that you take the necessary safety precautions to ensure your summer is unforgettable for the right reasons.

  • Avoid tick bites by dressing your children in protective clothing and putting tick, insect, and bug repellant where skin is exposed. Also, try to keep your child away from overgrown grassy areas. After outdoor fun, you should perform a tick check on each family member in your home.
  • If your child will be using a bicycle, scooter, skates, rollerblades, skateboard, or any other fun riding equipment, be sure to follow helmet safety. Be a good example and wear a helmet yourself! They protect us from serious head injuries.
  • Be sure to practice sun safety. Dress your children in protective clothing and apply a sunscreen with an SPF of at least 15. Sunscreen should be reapplied throughout the day.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles health insurance needs. We are available around the clock to answer any and all of your questions.

 

Documents You’ll Need After An Accident

No matter how prepared you are, getting in an accident is a traumatizing experience that leaves you feeling stressed and overwhelmed. The best way to ease these worries is to prepare yourself for the unexpected so that you will be able to focus most of your time and energy on reliving the trauma. Compiled is a list of the essentials you should have in your car so that you will be better prepared if an accident were to occur:

  • Proof of Insurance – If you keep your insurance card with you or in your car, you’ll save the hassle of trying to prove you are insured. This will also help you avoid any penalties if you are pulled over for a traffic violation.
  • Vehicle Registration – You should have a physical copy of your vehicle registration in your car at all times. Like your insurance card, failure to provide proof may result in a fine by the DMV.
  • Accident Preparedness Kit – Have a camera, pen, and paper ready to take down the other driver’s license plate number, driver’s license number, make and model of the car, and auto insurance policy and company information.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles auto insurance needs.

 

Would I Benefit From An Umbrella Policy?

An umbrella policy offers additional protection for expenses that exceed your standard homeowners and liability insurance policies. The extra protection offered through an umbrella policy is relatively inexpensive and well worth the extra expense. Once you do the math, you’ll realize adopting an umbrella policy will only cost you about a $1 a day. Lawsuit numbers are on the rise and having an umbrella policy can help you avoid the hassle of dealing with a liability lawsuit that leaves you in financial ruin.

If you answer yes to any of the questions below, you would benefit from an umbrella policy:

  • Are your assets greater than my insurance liability limits?
  • Are you financially responsible for any children?
  • Do you own a Jacuzzi or pool?
  • Do you own a watercraft or off-road vehicle?
  • Do you own a rental property?
  • Do you invite guests into your home frequently?

Contact the insurance experts at Save-On Insurance Services to add an umbrella policy to your existing insurance coverage. We are available around the clock to help assess whether or not you would benefit from an umbrella policy.

Recent Grads Need Renters Insurance

Are you a recent graduate finally leaving dorm life and ready to move into your own apartment? With all the new responsibilities you will be taking on, preparing for the unexpected is one of the most important. Before you sign a lease or put a down payment down for a new place, be sure to get renters insurance.

What Renters Insurance Covers:

  • Vandalism
  • Theft
  • Explosion
  • Fire/Smoke
  • Lightning
  • Wind
  • Water Damage caused by burst pipes, floods from sink or bathtub, and other specific events. (Damage from floods are not covered and a separate policy is necessary for coverage)
  • Personal belongings
  • Liability Protection
  • Additional Living Expenses

Despite popular belief, as a renter, you are not covered under your landlord’s policy. Many people believe their personal possessions are covered under their landlord’s policy but this is not true. The other excuse people have for not obtaining renters insurance is that it is too expensive – wrong again. Renters insurance costs about $10-$20 each month. If you refrain from buying 4 coffee beverages each month you can afford renters insurance.

Contact the insurance experts at Save-On Insurance Services for all of your renters’ insurance needs. We are available around the clock to help you choose an appropriate renters’ insurance policy.

 

 

Customize your traveler’s insurance with multiple options

When planning a vacation you want to make sure you are able to enjoy your getaway completely stress free. Help reduce the amount of stress by protecting you and your family with a travel insurance policy. Depending upon the coverage you select, you and your family will be covered for any unexpected incidents or accidents, lost luggage and any vacation cancellations. There are many different travel insurance options available, making it possible for you to purchase a customized insurance policy.

Here are some options which may be available to help you customize your travel insurance plan:

  • Cancel for any reason
  • Terrorist incident
  • Security evacuation
  • Accidental death and dismemberment
  • Primary medical
  • Emergency evacuation
  • Trip interruption
  • Travel or baggage delays
  • Various levels of deductibles

Depending upon your vacation and your personal needs, many other customizable options may be available. Contact your insurance agent to find out more about the different options available for your upcoming vacation.

For all of your insurance needs or questions, including those for home and life insurance options, contact Save-On Insurance Services in Los Angeles, California. Contact us today to get a quote.

Things to consider when buying travel insurance

Planning vacations require a lot of thought, planning and money. Do not let something unexpected, such as sickness, accidents, lost luggage or natural disasters cause more grief. Travel insurance is available to help cover some of life’s unexpected incidents, both while on vacation and in the event you have to cancel it.

Here are some things to consider regarding travel insurance when planning your upcoming vacation:

  • Buy travel insurance when you book your vacation
  • Buy travel insurance a la carte, by only purchasing the areas of travel coverage you will need
  • Purchase evacuation coverage to ensure your emergency trip home is covered
  • Be aware of policy restrictions and consider purchasing a “cancel for any reason” policy
  • Know that travel insurance is not the same thing as a “cancellation waiver”
  • Take a lot of notes to back you up when filing a claim
  • Know that you may not be covered if something happens while you are under the influence

Also, when buying travel insurance it is important you purchase it from a reputable insurance provider and not your tour guide. This will ensure you receive all the coverage you are paying for.

For all of your insurance questions, including those about home and life insurance contact Save-On Insurance Services in Los Angeles, California. Call us today to get a quote.