Memorial Day

This coming Monday is Memorial Day. We observe this day in honor of all the men and women that gave the ultimate sacrifice for us. Recognizing that they risked their life to protect ours and fought for the freedom we get to appreciate every single day. May their efforts never be forgotten as we are the home of the free because of the brave, we thank you today and every day.

Full Flower Moon Tonight

Tonight, we experience yet another full moon but with a unique name… the flower moon.

Given its title due to the abundance of blossoms that appear in North America during this time. It is believed by the Ojibwe tribe of the Great Lakes that this moon initiates the sprouting of all plants that went dormant for winter. Being one of only two super moons that we will experience this year, you do not want to miss it.

Creating a Home Inventory

Homeowners insurance policies are there to protect you against fires, theft, vandalism, wind and hailstorms among other things but are you prepared to file a claim?

Filing a claim could be intimidating, especially if it is your first time but rest assured that your claim adjustor is there for you every step of the way. All you must worry about is being prepared by having proof of your property prior to the damage. How you ask?

We encourage homeowners to take a video of their home, starting on the outside and then proceed by showing every room.  Remember to capture things such as your flooring, countertops, furniture and lighting while giving a brief explanation of what you are showing. Still photos would work as well – if they are on something like your smart phone which is sure to leave the house with you in case of an emergency.

If you have important documents or items of higher value like jewelry, it is suggested to store these things in a fireproof safe. Lastly, have a written inventory of your items where you catalog each thing by what room it is in and how much you paid for it. Make sure to include brand, series, model number and serial numbers were applicable.

We hope this helps you prepare in getting your home inventory taken care of and stored securely.

Want to get a quote? Visit us online at for a 30 second, free web quote on your home insurance.

BBQ Safety Guide

At last, we made it to BBQ season!

But before we light up the coals, we must remember some safety tips to enjoy our Summer – accident free.

So please, do remember to keep your grill a minimum of 10 ft from your home as heat and embers can travel and start fires. Also, clean your grill regularly so that you avoid the buildup of grease which could cause unwanted flare ups. Never turn on the gas while your grill lid is closed, it produces gas build up inside your grill and may cause a fireball at the time of ignition.

While grilling, never leave your BBQ unattended as fires double in size every minute. Plan ahead so that all of your other food prep chores are done and you can focus on grilling. It is also important to not overload your grill with food. This applies especially to fatty meats. The basic reason for this tip is that if too much fat drips on the flames at once, it can cause a large flare-up that could light nearby things on fire.

And of course, it is highly recommended to keep a fire extinguisher in close proximity just in case.

 Happy Grilling!

Interested in a quote? Visit us online at for a free, 30 second quote on your home insurance.

Paying Your Premium

Most homeowners have their property insurance escrowed into their mortgage, making it easy to take care of two things with one payment. However, what if you recently refinanced or are in the process of doing so? Please confirm with your soon-to-be lender if they or you will be responsible for paying.

If it is impounded/escrowed then no worries…the lender will submit payment for this policy and continue the coverage on your home. But, if your responsible for the premium then here are ways you can make that payment.

  1. Visit us online and click on ‘Pay My Bill’ the system will prompt you for your policy number and zip code before bringing forth your option of a monthly or one-time transaction.
  2. Call one of our licensed representatives who are more than happy to assist (800) 234-2103.
  3. Call our automated line and submit payment easy and hassle free instantly (888) 467-7736.

Interested in a quote? Go online at for a free, 30 second web quote on your home insurance.

Last Day to File Taxes

Normally, Tax Day is on April 15th but this year, you have until tonight to file your 2020 taxes!

With covid still affecting many things, the deadline was extended to allow for those needing more time to get affairs in order that necessary period.

If you’re filing online, be sure to read the fine print carefully and understand all questions or sections being asked to answer.

And just in case you are not receiving any money back this year, look into saving some by visiting us online a retrieving a quote on your homeowners insurance.

Our dedicated sales agents can assist you with any questions you may have! Available to you Monday through Friday 8:00 a.m. to 5:00 p.m. PST, reach us toll free at 1-877-WMUTUAL.

Interested in a quote? Go to for a 30 second, free web quote on your home insurance.

Switching Mid Term FAQs

Have no fear, Western Mutual is here!

Here to debunk some assumptions about switching mid-term and the process of doing so that is.

  1. Yes! You can switch mid-term penalty free. Actually if your current coverage isn’t expired yet, you’re actually owed a refund.
  2. No! You don’t have to wait until your renewal date to cancel. Homeowner’s insurance policies are not contracts.
  3. Yes! You can save some money for being a new customer. So why not earn some cash back and pay less for your coverage.
  4. No! Your previous carrier will not notify your lender. Please make sure to advise your bank about your new company and provide them a copy of it.
  5. Yes! You can shop around without commitment. Many carriers can provide you an instant online quote.

So now that you know. Visit us online at for your free, online, commitment free 30-second quote.

Reduce Homeowners Insurance Costs

When it comes to protecting your home and family we understand the need to know you’re being taken care of at a reasonable rate.  And that’s why we would like to provide you some tips on ways to save, because while protecting your home is our priority, saving you money in the process is our secondary focus.

One way of bringing your cost down is by installing a monitored security system. Installing a home security system is a great way to qualify for a discount. Some insurers like us, may require the system to be monitored by a professional monitoring company, while others are OK with simple video surveillance. If you have already installed an alarm system, make sure you choose a provider that offers a discount for it. If you don’t have a home security system already, consider buying one for a rate discount and additional security.

Another means of lowering your premium is by installing a Wi-Fi water detection system. This device would track the water usage in your home and alert you at the first sign of excess water flow, essentially saving you from a costly water claim. Many insurance carriers offer a discount for this and even an additional percentage off for remaining claims free after a certain amount of years. If you have a policy with us you can get a Flo by Moen Smart Water Shutoff for 50% off and free installation. Visit for more information.

A simple way to earn some credit is by going green. Many companies are giving discounts as in incentive for paperless billing and communication. This is something that is easily accessible from your phone or tablet, so why not save some cash?

And of course, raising your deductible seems a bit frightening but many responsible homeowners know that a small increase means a big reduction. While we don’t recommend maxing out your deductible, we do think you should find that sweet spot where you can comfortably pay out a deductible while still saving money on your premium.

Thinking of Selling? Important Steps to Remember

As we all know the housing market is hot right now, with bid wars making properties sell for well over asking price. And with multiple offers to review, paper work to sign and packing your belongings, one might forget some very important steps. Here is a helpful reminder to make sure all things are taken care of during the best month to sell.

At the time of accepting an offer and setting an estimated closing date, remember to call your home insurance carrier to advise them that you will no longer reside there on such date. Also, if you are purchasing a new home or condo, consider using your same insurance company to get a quote on it.

What about your personal belongings? Our policies protect your personal property to the full amount listed on the policy while in transit from one property to the next. If the items are being held in storage prior to your move, they are still covered but at 10% of what is listed on your policy.

Probably the most important thing to remember is to provide your insurance carrier and anyone whom you would receive correspondence from your forwarding address or temporary P.O Box. Many of times there is a pro-rated refund you will receive and we want to make sure that reaches you.