With the arrival of Spring comes the devising of a new garden and landscaping which includes your fences. Although fences are placed for boundary purposes, they also bring an aesthetic appeal and comfort knowing that you have some privacy. A fence is the most basic barrier to deter uninvited animals and are a necessity if you yourself have kids or pets.

Aside from privacy, they offer protection such as if you have a pool. If you live on a busy street, they can muffle some of the noise. By upkeeping your fence, you can potentially avoid any unnecessary injuries which can lead to liability lawsuits.

 Over time fences will degrade in some way, knowing how much effort and maintenance you are willing to put in will determine what kind of boundary is right for your home. So, while you draw up your plans for that new garden, makes sure to pencil in your fence for some maintenance and painting because good fences make good neighbors.

The purpose of home insurance is the security of knowing that your home will be rebuilt/repaired if damaged by one of the covered perils.

Each property is reviewed and assessed carefully, which has earned us an A+ rating with AM Best – a company that reviews insurance carriers for excellence in service and coverage.

While you make it your forever home, we want to make sure you understand your policy and what is protected by us.

Our policy protects you against perils such as fire, theft, vandalism, windstorm, hailstorm, among others. If your property experiences any sudden damage by one of the listed perils, please call our claims department immediately.

Know your deductible and review the policy booklet to understand any exclusions that may exist.

If you have any questions about your coverage or need help reviewing your current policy, call our customer service department at 1-800-234-2114, representatives are ready to help Monday through Friday 8:00 AM until 4:45 PM PST.

We have made it to the Spring Equinox, officially ringing in the new season!

What exactly is the Spring equinox?

 It marks the day that the sun crosses the equator line as it treks north to bring us warmer weather. And with this new season upon us come many adoring holidays such as Easter, Mother’s Day and Memorial Day.

What are you looking forward to accomplishing or doing this Springtime?

Today we celebrate Saint Patrick’s Day, a cultural festivity which has evolved over the decades into a special day spent with friends and loved ones while wearing emerald colored clothing.

Some fun facts about today:

Leprechauns were not originally associated with St. Patty’s day but became incorporated by Celtic fairy stories as the villain that stole the pot of gold.

Corned beef and cabbage were an American innovation that has become a staple of this holiday, first served by immigrants on the east coast.

Shamrocks are the national flower of Ireland.

Four leaf clovers are rare, with 1 in 5000 existing in the wild.

We hope you enjoy today and may the luck of the Irish be forever on your side.

This week marks the annual awareness of poison prevention week a nationwide campaign during a time when kids are inside more than ever. Poison awareness is used to highlight the dangers of chemicals and household items for people of all ages by reminding them of the three P’s; prepare, prevent and protect.

Prepare by knowing the National Poison Hotline in case something unexpected happens, that phone number is 1-800-222-1222.

Prevent by knowing what chemicals should never mix, such as chlorine and vinegar which causes chlorinated gas that can lead to suffocation. A simple web search will detail this and many others.

And protect those in your household by storing any liquids or items that can be ingested by children up high and out of their reach.

Please take the time to learn and practice the three P’s and share this information with others.

The 2021 NCAA Men’s Basketball tournament will kick-off this year as planned with 68 teams determined to win the collegiate title. First dubbed “March Madness” in 1908 when a statewide tournament in Illinois routinely sold-out seats for this sought-after trophy, and Henry Porter, an executive of the association that put this tournament together, wrote about how crazy fun the event was. More than 100 years later and that small tournament has grown into an annual affair, played by both men and women of colleges from across the nation.

Who are you rooting for?

As almost everything else that has gone virtual within the last year, so have a lot of our services and procedures that at one point had to be done with a live representative. Here are some of those processes which insured’s can complete by visiting our site.

1.       Paying your premium, simply by inputting your policy number and zip code you will be able to access your invoice and make a payment.

2.       Requesting a copy of your coverage by emailing our customer service department directly.

3.       Acquiring information on how to file a claim and what number to call during weekend hours.

4.       Retrieving a quote within minutes for your home or condo.

5.       Reviewing your coverages and securing a licensed agent to assist you with any changes or questions.

 And of course, if speaking with someone is your preference…we have licensed reps ready to assist you!

We are so happy and proud to announce that Western Mutual reaches yet another year of being in business and providing protection to homeowners like you. Beginning as a small mutual fire insurance company, we have grown into an AM Best A+ rated carrier serving the south-western United States.

We thank you for all these years of business as we strive to provide quality customer service with competitive and affordable rates.

Cheers to another year of serving and protecting your home!

When it comes to homeowner’s insurance, protecting your home is our main priority, but saving you some money is also our purpose. Although your annual premium is mainly based off the coverages provided there are ways to minimize and/or not add additional cost to your policy.

First and foremost, consider enhancing your security on the property. Having a 24-hour monitored alarm system or living in a patrolled gated community can lower your overall cost.

When paying your premium, attempt to pay it all at once. Many companies charge a processing fee for monthly or partial payments.

Install devices that help you avoid claims such as a wi-fi water detection system or door alarms on exits that lead to a pool or spa and can give you a discount on your premium.

The most common solution for a lower premium is increasing the deductible, the simple step can reduce the cost drastically.

We hope these solutions on lowering your annual premium are of great benefit.

Although we may have mastered the quarantined lifestyle, maintaining a healthy one may be a different story. By simply implementing new habits into our daily routine, we can drastically enhance and create a healthier self.

We would like to provide some tips and tricks on things you can do to help promote your health and enjoy this new normal.

Believe it or not one of the most beneficial things we can do is, sleep.

Everyone knows that sleep is important to both our physical and mental health, now more than ever. With added stress for many people right now, it’s important make sure you’re getting enough sleep to allow your body to stay healthy and your mind to recover.

Stay socially active to keep your mind and spirit healthy and fed. If you’re spending more time alone than usual, don’t neglect your social needs if you’re feeling isolated. Some ideas include; staying in touch with friends and family, even if you can’t see them in person by using FaceTime or other video apps to chat face-to-face.

Last not but not least, nurture your body with filling, vitamin packed foods! And some comfort foods when the day is calling for it. It’s also important to stay hydrated throughout the day. Studies suggest that drinking water when waking up aids our digestive system, our energy levels and brain focus.

We hope these simple but valuable tips help you have some better days ahead.