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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.

 

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.

Los Angeles Valley Fair – June 17th – 20th

Los Angeles Valley Fair – June 17th – 20th

It’s fair time again! That means lots of yummy fair food, rides, games, animals, shows, and tons of fun for the entire family! The Valley Fair will be held at Lake Balboa in Van Nuys – 6300 Balboa Blvd.

This year’s Valley Fair has lots to offer everyone in the family including:

  • Live music by various bands
  • A monkey show
  • Train rides
  • Rock climbing
  • A magician
  • Petting zoo
  • Pony rides
  • Pig races
  • Obstacle courses
  • Laser tag

Everyone loves fair food! They are sure to have at least one of your favorites, the list below is not a complete list, just the highlights.

  • Cotton candy
  • Corn dogs
  • Funnel Cakes
  • Candy and Carmel apples
  • Giant Soft Pretzels
  • Blooming Onions
  • Sausage, Peppers and Onions
  • Pizza
  • Deep Fried Ice Cream
  • Fish Tacos
  • Burgers and Fries

The list of fair foods being served seems endless, but the ones listed above should give you a good idea of what you will be able to purchase to eat!

Rides

For many people the rides are the most important part of the fair. Here’s a peek at some of the rides they will have this year.

  • Ferris Wheel
  • Jumbo Slides
  • Bounce Houses
  • Scrambler
  • Octopus

There will also be plenty of rides for younger children including, a train ride, Tugboats, Beatle Car ride, and a few more.

A fair would not be complete without fair games! Let’s take a look at a few of the games that will be at this year’s Valley Fair.

  • Whack a Mole
  • Ring Toss
  • Pop the Balloon
  • Fish Bowl Toss
  • Basketball Toss
  • Knock Down the Bowling Pins

That about covers what you can expect to find at the Valley Fair this year. Now, let’s look the hours and admission price.

The fair starts Thursday evening at 4:00 pm to 7:00 pm, Friday through Sunday from 4:00 to 11:00 pm. Admission prices: adults $11.00, Students $9.00, children ages 3,4, and 5 $5.00 and under children under 2 are free.

For more information about the Valley fair, home, life insurance, or general insurance questions in California please contact Save-On Insurance Services for answers to your questions and to get a quote, located in Los Angeles.

 

Don’t Buy Business Insurance Until You’ve Read These 5 Tips!

If you own and operate a business, then it’s one of the most important things in your life. Therefore, it needs to be insured as such. However, before you simply purchase a small business insurance policy, don’t forget these 5 very important things:

  1. Assess Your Business Risks – This is something the insurance company is going to do, so it’s always helpful to perform your own research and do your own homework before searching for quotes.
  2. Shop Around – Don’t go for the first quote you get that seems to be a decent price. Take your time, make sure that your insurance policy covers everything it needs to and all risks have been carefully assessed and documented before paying the premium. In some cases, you may want to find an insurance agent that specializes in your specific type of business in order to get cheaper premiums.
  3. Business Owner’s Policy (BOP) – You can purchase small business coverage in a package or separately. The package is known as BOP and usually consists of everything from auto insurance and general liability to business interruption coverage. However, not all types are covered in a BOP, so it’s important to speak to your agent about the unique risks to your business.
  4. Find a Trustworthy, Licensed Insurance Agent – An insurance broker can help you get the best deal by uncovering hidden gems that you couldn’t find on your own. However, make sure to choose a broker that is more worried about you and your needs rather than the commission that they’ll make by selling you the insurance policy.
  5. Annual Reviews – Because changes are always happening, you’ll want to ensure that you review your policy and risks on an annual basis.  

For business owners in Los Angeles, California, feel free to contact us at Save-On Insurance Services with any questions you may have regarding insurance policies or to get a quote for life insurance, home insurance or commercial business insurance.