Tag: Quality Homeowners Insurance

Home Safety Tips

On By Western Mutual BlogIn UncategorizedLeave a comment

Security is an important aspect of daily life for any homeowner. Your home is where you and your loved ones reside, pets roam and valuables are stored. Keeping with the motto of “it is better to be safe than sorry,” we advise you and your family to familiarize yourselves with some home safety and security tips below. Be prepared and beat home invaders at their game!

  • Recently purchase a new home? Don’t forget to change your locks to unwanted guests who may have a copy of the key!
  • Make sure your wiring is concealed at home as burglars look for them to cut, disable and illegally enter your home.
  • Did you know that burglars like to stake out homes from the safety of large hedges and brush? Eliminate this vantage point and protect your home!
  • Are you using the typical hiding spots to conceal your valuables when you are away from home? Get creative and beat burglars at their game!
  • Leaving on a vacation? Create the illusion that someone is at home while you are away at play!
  • Check to make sure all doors and windows have reliable locks to keep out unwanted visitors! For sliders, place a piece of wood or metal bar the same length as the track of the door in the grooves for extra security!
  • Keep drapes and blinds shut so burglars can’t window shop from your front lawn!
  • Always look outside before opening the door, especially if you hear weird noises in the middle of the night.
  • Have friends or neighbors be on the lookout for packages, newspapers or trash bins left out in front of your home as they are clear signs of your absence!

Do you have any home safety and security tips you would like to add? Please share them in the comments below!

Why Do You Need Homeowners Insurance?

On By Western Mutual BlogIn UncategorizedLeave a comment

As a homeowner or renter, you can appreciate the importance of home. It houses your family, furry friends, memories and worldly possessions. Unfortunately, in the event of a fire, flood, earthquake or other natural disaster, all of your memories could be lost in the blink of an eye. It is important to protect you and yours and properly insure your home.

Unlike driving a car, you are not legally obligated to own a home without homeowners insurance. However, if you finance your home with a mortgage, your lender will most likely require you to have home insurance coverage to protect your home in the case of damage caused by unforeseen circumstances. Check out our various policies by state here.

Don’t hesitate to call us at 877-WMUTUAL (877-968-8825) or visit us online at WesternMutual.com to learn more about how we can help protect your home in the event of a natural disaster.

Western Mutual Turns 76!

On By Western Mutual BlogIn Uncategorized1 Comment

Today marks Western Mutual Insurance Group’s 76 year! Established in 1942, Western Mutual began as a county mutual fire insurer in the state of California. In 1949 Residence Mutual Insurance Company, part of the Western Mutual Insurance Group, was founded. Our subsidiary, Arizona Home Insurance Company, was added in 1990. For 76 years, Western Mutual Insurance Group has provided premier homeowners insurance coverages, friendly service, and educated agents who are determined to make our customer’s experience an easy one.

This past year has been a busy one of highs and lows.  We were honored to be named to Ward’s Top 50 List of top performing property and casualty insurance carriers for the sixth straight year, and have our Superior A+ Rating by A.M. Best affirmed for the fifth consecutive year.  We also were privileged to assist in some of the disaster relief from this year, from donating supplies to the Texas Diaper Bank during Hurricane Harvey recovery, to having our adjusters be some of the first on the scene in the aftermath of the Santa Rosa fires.

We continued our community involvement in good times as well, sponsoring a “Patriots & Paws” Golf Tournament to help give back to brave veterans (look for upcoming news on the 2018 Tournament!) and running a holiday Giving Tree for local senior and disabled individuals throughout the holiday season.

We thank you for allowing us to serve you and your family for the past seven decades and look forward to continuing to do so in the future!

What is Homeowners Insurance?

On By Western Mutual BlogIn UncategorizedLeave a comment

What is homeowners insurance coverage? Homeowners insurance provides you and your family peace of mind and protection in the event of a disaster or accident involving your home. At Western Mutual Insurance Group, we offer our customers standard coverage starting with our preferred homeowners’ protection. Through our reliable homeowners insurance, you will have straightforward coverage that is there when you need it.

(*) Included in our policy with the Homeowners Plus Endorsement are the following benefits:

  • Extended Replacement Cost (ERC), which increases your dwelling coverage up to 150% for no additional cost. ERC safeguards against a higher than expected construction cost for damages to your dwelling structure.
  • Replacement Cost Coverage on Contents (RCC), helps cover the cost to fully replace your personal property if it is damaged or destroyed by a covered loss.
  • Mortgage Payment Protection is built into our homeowners’ policy. This endorsement will help supplement your monthly mortgage up to $1,500 per month for a maximum total of $18,000 in the event your home is deemed uninhabitable past 45 days.

In addition, when applying for a California Homeowners Insurance quote online, you will automatically qualify for our Web User Discount which provides 20% off the first year’s premium and 10% off at the first renewal!

By choosing Western Mutual as your homeowners’ insurance carrier, you will also gain access to our wealth of other homeowners’ insurance products and services such as Earthquake, Flood, Landlord, and Seasonal.

(*) These benefits are included in our California Homeowners (HO-3) policies.  For more details about any of our other states or coverages, please give us a call at 1-877-968-8825.

New Year’s Resolutions

On By Western Mutual BlogIn UncategorizedLeave a comment

“This is the year I’m finally going to…”

How many times have you had the best intentions when it came to keeping your New Year’s resolutions? We have all, at one time or another, thought on this topic and reflected back on what we would like to focus on in the year(s) ahead.

As a Mutual company, our responsibility is always to the policyholders.  This allows us each year to review and renew our ongoing resolutions.

  • This is the year we will continue to pass on savings to our policyholders
  • This is the year our dedicated agents will continue to make a difference in helping our customers obtain affordable coverage
  • This is the year we will continue to do our part to give you and your family more time to focus on what is most important, spending quality time with the people you love
  • This is the year we will continue to give back to the community
  • This is the year we will continue to be transparent with customers, with the addition of our company blog (check!)

We hope to have the continued honor to provide you with quality homeowners insurance coverage!

We want to hear from you! Please share below your New Year’s resolutions!