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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Rainy Days To-Do List

So it’s raining outside and your day has now taken a soggy turn. Don’t worry, here are some ideas on how to make the best of a rainy day:

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  • Plan for some rest and relaxation with face masks, hair treatments, warm baths and soothing music
  • Finally take on organizing your kitchen pantry and junk drawer to make it feel like new again
  • Bake your favorite festive treats, it’ll make your home smell good too
  • Sit and plan your expenses for the week or month, now that you have time and are not out and about spending money
  • Plan a movie night to catch up on all the blockbusters you missed
  • Get a quote on your homeowners insurance with our company and see how much you’ll save

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Child Safety and Protection Month

November is National Child Safety and Protection month in which awareness is raised for the innocent lives lost to often preventable and unintentional injuries. According to the CDC, an average of 12,175 children die each year from accidents like these. It is important to know that safety starts at home with simple measures that can be taken to reduce the risk of these tragedies.

Some safety tips to remember:

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Keep cleaning supplies, medicines, garden chemicals and toxic substances up high and out of reach
Learn to install and buckle up your child’s car seat properly and adjust straps so that they are placed over their chest
Teach children to not play near or on the street and always ask an adult for help if a toy goes past the driveway
Be aware of bodies of water and enforce safety rules such as no running or playing near the water

Always check on kids, whether they are in their room or crib. It only takes seconds for something to go wrong

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Earthquake Preparedness

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Is your home ready for the next big one?

Although earthquakes are unpredictable and years can go by without feeling one, being ready at all times is a must! Everyone knows to take cover and wait it out, but what do you do once the shaking has stopped, will you be ready? A few very important reminders:

  1. Try to maintain close to a full tank of gas in your car at all times (or in portable containers) as gas stations will not operate after a big earthquake.
  2. Share your phone location with family and/or friends so that in the midst of havoc, you can still find each other.
  3. Along with your first aid kit and back up food supply keep a portable charger that can keep your phone alive a little bit longer to call for help.
  4. Check under your sinks for cracks or leakages to make sure you won’t be leaving the house and coming back to a flooded home.
  5. Be ready for aftershocks! Although checking for damages is important, know that aftershocks are more than certain so be prepared to exit or take cover.

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Heat Safety

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The summer months are upon us and so is the potential for you, your family and pets to suffer from heat stroke. July and August can be scorchers so be sure to utilize things around you that can help you beat the heat! Handheld fans, umbrellas for shade, water bottles, lighter colored clothing, flip flops and cold drinks are all things that can help you stay cool! Taking cool showers, applying sunscreen and using your AC unit or fan can assist as well! Also, be mindful of how quickly your car can heat up when you run into a store for a quick iced coffee…never leave your trusted furry companions in your car! Stay cool this summer!

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Firework Safety

Next week, we will gather with family and friends to celebrate our Independence Day!  We wanted to wish you a Happy Fourth while reminding you of some firework safety tips. Did you know that many cities prohibit the purchase and launch of fireworks?  If you are within a city that permits it and choose to partake, be sure to not launch fireworks near your home or brush areas, and retreat to a safe distance after igniting the fireworks. Remember to always make sure adults are present and that fireworks do not get into the hands of children.  Following these tips will ensure a safe and happy holiday season for all!

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