Do I Have Homeowners Insurance or Warranty?

Many people wonder who to call if something happens to their home that needs to be assessed, inspected or repaired due to damage. However, what company to call is the most important to know since home warranty is completely different then homeowner’s insurance.

A simple way to describe it is that your insurance company such as Western Mutual protects your home from things that MIGHT happen. This includes things like fire, theft, vandalism and natural disasters except earthquake and flooding as not all homes are susceptible to those perils.

Home warranty on the other hand is optional and protects you from baring the entire expense of repairing or replacing home appliances and system components in the event that they break down. As stated, home warranty is optional and protects you, while home insurance protects your property from potential hazards.

We hope this helped you out for any future occurrences.

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Follow our Social Media Pages

Western Mutual and Arizona Home Insurance invite you to follow our social media pages on all platforms including Instagram, Facebook and Twitter which are linked below. We ask that if you’ve had a positive experience with one of our team members to check out our Yelp and Clearsurance page to leave a comment for us to share with that person. And of course, above all, we thank you for allowing us to serve you all these years and hope that we can continue to protect your home for the coming years.

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Martin Luther King Day

Civil Rights activist, Nobel Peace Prize winner, Medal of Freedom and Congressional Gold Medal recipient, are just a few accolades received by the one and only Martin Luther King Jr. Born January 15, 1929 in Atlanta, Georgia, King was a Baptist minister who rose to fame as the leader of the Civil Rights Movement. Martin Luther King Jr. took a different approach to protest by boycotting in a non-violent manner that brought awareness to segregation laws. Most notably, Dr. King delivered his famous “I Have a Dream” speech to more than 200,000 people during the march on Washington on August 28, 1963.

His influence and actions helped to pass the Civil Rights Act of 1965 which prohibited racial discrimination in voting. We thank Dr. Martin Luther King Jr. for his positive role in changing the law for a more inclusive and better tomorrow.

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Simple Ways to Prevent Losses

According to the Insurance Information Institute’s latest report about 1 in every 50 homes will file an insurance claim each year. The two reasons topping the chart as the most common losses are wind plus hail and water damage, followed by property damage and theft.  Some losses may be at least partially preventable.

We would like to provide some tips and info on how you could potentially avoid a claim in the coming year.

  • Check all water line connections; this includes appliances in your kitchen, bathroom, wash room and outside hose attachments
  • Inspect all drainage and vents of your home, make sure to sweep out and flush exterior gutters, degrease and clean range hoods as well as unclogging sink/tub drains monthly
  • Trim trees around the home that could potentially cause damage to the siding of your roof, upkeep your lawn and check the sprinkler system
  • Check exterior home for areas that show cracks or need to be repainted and refinished as needed
  • Inspect roof for loose or missing shingles, hire a licensed contractor to repair any damage and keep proof of completed work
  • Install a Wi-Fi Water Detector.  Wi-Fi Water Detectors, particularly those that automatically shut off the water supply to your home if they detect inconsistency in the flow of water, may reduce – or even eliminate – significant water leaks.  We have partnered with FLO Technologies to offer you half off a FLO by Moen device – with free installation!  Visit www.meetflo.com/western-mutual for more information.  If you elect to use another Wi-Fi Water Detection System with automatic water shutoff, we will reimburse you up to $200 for the cost of the system. You may also be eligible for a policy discount when you install a Wi-Fi Water Detection system.

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Family Fun Ideas for Winter

Is it too cold to go outside? We have some suggestions that’ll let you enjoy the winter season while staying indoors.

If you have little ones to entertain and keep busy, try baking cookies and letting them decorate to show off their creativity. Build forts with blankets and pillows for an unforgettable fun time.

Challenge them to complete a puzzle or work on their board game expertise.

If it’s just you and your better half, we say take it easy with a movie marathon and popcorn.

Movies aren’t your thing? Test your culinary skills by creating a meal with only the items in your pantry. And there is always the option of playing music and tackling the house cleaning with some dance moves. Whatever you choose, stay warm and let us know your cold weather ideas.

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Roaring 20’s to 2020

The roaring 20’s were grand in many ways, from art expression to fashion and social changes. The 20’s allowed for social and economic growth, women’s rights and the freedom to manifest our truest self. Fast-forward 100 years and the 20s are here again, but with bigger goals and greater opportunities. We invite you to welcome in the New Year with positivity, abundant health and perpetual bliss. And just like they did back then, continue being optimistic and wanting to better the world for those who are here after us. Let’s make these next ten years grand so that 100 years from now they will speak about the change we made just like we are now. Here’s to the next ten years!

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