Tag: Quality Homeowners Insurance

Do I Have Homeowners Insurance or Warranty?

On By Western Mutual BlogIn UncategorizedLeave a comment

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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Simple Ways to Prevent Losses

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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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Countdown to 2020

On By Western Mutual BlogIn UncategorizedLeave a comment

Western Mutual and Arizona Home Insurance would like to take this opportunity to thank all of our insured’s and their families. We appreciate your business and look forward to being able to serve you in the coming year. It has been our pleasure for the past 77 years to provide insurance for families across many states and bring them comfort knowing their protected with a preferred insurance company. May the coming year be filled with happiness and good health.

Wishing you a Happy New Year in 2020 from our family to yours!

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Western Mutual Helps Families in Need This Holiday Season

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The Western Mutual Insurance family is excited to honor the beauty of the Christmas season by participating in the 27thAnnual Spark of Love Toy Drive.  Western Mutual staff members have been collecting toys and gifts for infants, children, and teens all month long, and the Company is matching their gifts.

Collecting over 10 million toys and gifts, the Spark of Love has helped underserved children and teens throughout Los Angeles, San Bernardino, Orange, Ventura and Riverside counties. Local fire stations are accepting new, unwrapped toys or sports equipment along with various businesses around the southland.

Are you interested in giving back this holiday season? Visit the Spark of Love website to find a drop-off location near you: https://abc7.com/community-events/spark-of-love-toy-drive-2019/5684558/. You can also participate by donating online: https://supportlafd.kindful.com/?campaign=1032876.

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Check Out Our Online Chat

On By Western Mutual BlogIn UncategorizedLeave a comment

Yes! You read that right, we now have an online chat available for anyone looking to get a quote or a quick reply regarding their policy. The chat is available Monday through Friday starting at 8 am until 4:30 pm Pacific Standard Time. Sales and customer service agents are live and ready to assist you. Please note that if you are trying to make changes to your policy or submit a payment you will have to call our direct toll-free line at 1-800-234-2114. Visit our website at www.westernmutual.comor www.arizonahomeinsurace.comand check us out. Chat with you soon!

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Calling All Mortgage Professionals

On By Western Mutual BlogIn UncategorizedLeave a comment

Are you a loan processor, escrow officer or real estate agent? If so, you’re going to want to check this out. We have a department specifically for you to obtain insurance quotes and evidence of insurance in under 3 minutes!

Say hello to Affinity, a free online program that allows mortgage pros to retrieve a pre-approved insurance quote that’ll help speed up the closing of escrow. No more escrow delays!

Did we mention that it’s available 24/7? So that means obtaining coverage on the weekend or after hours is a thing of the past.

All policies are subject to underwriting and inspection after the loan funds.

What’s the catch? There isn’t one. This program is free, there is no contract and available to you whenever you need.

Check out Affinity at www.Affinity.WesternMutual.com or call to find out more at the toll-free line: 1-800-234-3659

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Opening a Claim Help Guide

On By Western Mutual BlogIn UncategorizedLeave a comment

As a preferred insurance company, we understand that filing a claim is not only stressful but can seem difficult to do. These unforeseen events cause more than just damage but also leave you feeling hopeless. We want to let you know that help is available.

When discovering a potential claim at your home, we would like to remind you of some tips that’ll make the process easier:

  1. Call your insurance company right away, do not wait for the risk or damage to become bigger
  2. If you find water has started to cause damage or has flooded any space in your house, shut the water off immediately
  3. If you don’t remember your policy number, it’s okay! We have other methods of finding your policy with us
  4. Do not call a third party to clean-up, patch or inspect conditions without contacting your insurance first
  5. Keep records such as receipts, photos and videos of your items within your home
  6. Always hire licensed contractors to perform work on your home, this is for your protection

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Will My Policy Cancel When I Sell My Home?

On By Western Mutual BlogIn UncategorizedLeave a comment

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We understand the excitement of moving and the stress of having to pack that comes when selling your home; so we try to make it as easy as possible to cancel your policy when the time comes.

Things to remember is that only you-the named insured- can cancel your policy.

Once an escrow closing date has been set for your property, call customer service to request a cancellation form. We will email/mail the form to you which requires your signature and date of cancellation (escrow closing date). Send it back and we will do the rest. The cancellation will be processed and you’ll get notification that it was completed. Any unused premium will be sent to you within 14 days.

Don’t forget, ask about getting your new home insured by us! We would love to keep your business.

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Energy Saving Tips

On By Western Mutual BlogIn UncategorizedLeave a comment

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Knowing how to save energy doesn’t just mean turning off all the lights and having the thermostat set to an ideal temperature; but learning how some small changes could also save you big money this winter season.

Here are some helpful tips on staying warm without burning a hole in your pocket:

  1. Use weather stripping, quilted curtains and draft stoppers on your doors to insulate your home to help keep the heat in.
  2. Set thermostat as low as comfortably possible, try using layered clothes and blankets as oppose to raising the thermostat temperature
  3. Unplug all appliances and electronics that are easy to plug in and use when needed such as phone chargers, coffee makers, hair tools and gaming systems.
  4. Replace the heater’s filter as often as recommended by the manufacturer
  5. Have air vents professionally cleaned to ensure that the maximum air flow is entering the home

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