Taylor Insurance Agency - Shoreline, Washington
Auto, Home, Business, Life & Health Insurance in Shoreline and Seattle, Washington Shoreline, WA
Thu, 17 Apr 2014 15:02:16 -0700
Are You Prepared For Spring Flooding?
We have all experienced record low temperatures and high snow or rain fall this year, and we certainly hope spring comes soon. However, warmer weather will cause the snow to melt which can cause flooding. If you live or work by any river you may have the risk of flooding. There is no question we will be hit hard with flooding in the next few months. Now is the time to start thinking about flood insurance. According to the Weather.gov website, these factors can contribute to major flooding:
1. Solid ground freeze
2. A significant and growing snow pack
3. Rain soaked land
4. Spring storms causing river levels to increase
5. Sudden warming
6. High rain fall
Here are some good reminders:
· Most Flood policies have a mandatory 30-day waiting period which puts us at the beginning of April. This affects personal homes and commercial clients.
· Flood insurance is not included under most home and business policies.
· Water run off can be considered flooding.
· Do you think you don’t need flood insurance because you don’t live along a river or stream? You might want to think again. Nobody is risk-free when it comes to flooding. In fact, 25% of all flood insurance claims occur in areas considered to be at “lower risk” for floods.
· The average cost of property damage caused by a flood is $34,000, and it can take less than 1 foot of water to cause it.
· Floods aren’t only caused by rising rivers or lakes. Flooding is also caused by levee or dam failures, or intentional releases, clogged storm drains, broken water mains, and even collapsed swimming pools!
· Homeowners in “lower risk” areas can secure flood insurance for a very low cost.
Call today for a free quote. Don’t wait for water to be in your house to think about flood insurance!
Tue, 01 Apr 2014 13:56:01 -0700
With the rise of new technological advances, travel and communication has never been easier. Insurance also provides a safety net for our most prized possessions. Unfortunately, this new technology also makes it easier for thieves to procure and use our sensitive information against us. Here are some helpful tips that may be used to prevent home and auto theft.
Something to consider if you have a GPS: don't put your home address in it. Put a nearby address (like a store or gas station) so you can still find your way home if you need to, but no one else would know where you live if your GPS were stolen.
Someone had their car broken into while they were at a football game. Their car was parked on the green which was adjacent to the football stadium and specially allotted to football fans.
Things stolen from the car included a garage door remote control, some money and a GPS which had been prominently mounted on the dashboard. When the victims got home, they found that their house had been ransacked and just about everything worth anything had been stolen. The thieves had used the GPS to guide them to the house. The thieves knew the owners were at the football game, they knew what time the game was scheduled to finish and so they knew how much time they had to clean out the house.
2. CELL PHONES
Try not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad, Mom, etc.
Also, when sensitive info is being asked through texts, CONFIRM by calling back.
When you’re being texted by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them. If you don't reach them, be very careful about going places to meet 'family and friends' who text you.
People who have surreptitiously acquired your cell phone may use it to text family or friends for sensitive information such as bank accounts or pin numbers to debit cards.
3. LONG TERM PARKING
Especially when leaving your car parked in long term parking, make sure to hide or lock your garage openers. Coupled with your GPS system, this could give thieves an easy access to your home and belongings.
Also make sure to remove or lock up any personal documents, such as insurance information or registration as they may have your home address information as well.
A couple parked in long-term parking on their way to the airport. Thieves broke into their vehicle, using the information on the car's registration in the glove compartment, they drove the car to the people's home in Pebble Beach and after using the garage opener, robbed it.
There are many simple preventative measures we can employ to make sure that our belongings remain in our possession. Theft can happen in the most unexpected places, and the best way to prevent it is to stay one step ahead.
Wed, 12 Mar 2014 11:09:26 -0700
You can’t see or smell carbon monoxide (CO), but at high levels it can kill a person in minutes. That's why it's important to know how to prevent it, detect it, and protect yourself and your family from its effects. Your homeowners insurance can provide insurance protection for damage to your property, and injury to others.
Here are a few safety tips from the National Fire Protection Association:
· CO alarms should be installed in a central location outside each sleeping area, on every level of the home, and in other locations where required by applicable laws, codes or standards. For the best protection, interconnect all CO alarms throughout the home; when one sounds, they all sound.
· Follow the manufacturer’s instructions for placement and mounting height.
· Choose a CO alarm that has the label of a recognized testing laboratory.
· If the audible trouble signal sounds, check for low batteries. If the battery is low, replace it. If it still sounds, call the fire department.
· If the CO alarm sounds, immediately move to a fresh air location outdoors or by an open window or door. Make sure everyone inside the home is accounted for. Call for help from a fresh air location and stay there until emergency personnel arrives.
· If you need to warm a vehicle, remove it from the garage immediately after starting it. Do not run a vehicle or other fueled engine or motor indoors, even if the garage doors are open. Make sure the exhaust pipe of a running vehicle is not covered with snow.
· During and after a snowstorm, make sure vents for the dryer, furnace, stove, and fireplace are clear of snow build-up.
· A generator should be used in a well-ventilated location outdoors away from windows, doors and vent openings.
· Gas or charcoal grills can produce CO — only use outside.
What are the symptoms of CO poisoning?
According to the Centers for Disease Control (CDC) the most common symptoms of CO poisoning are headache, dizziness, weakness, nausea, vomiting, chest pain, and confusion. High levels of CO inhalation can cause loss of consciousness and death. Unless suspected, CO poisoning can be difficult to diagnose because the symptoms mimic other illnesses. People who are sleeping or intoxicated can die from CO poisoning before ever experiencing symptoms.
Call us today for more information about how we can reduce your home and auto premiums.
Tue, 25 Feb 2014 11:24:10 -0800
When was the last time you reviewed your insurance coverage? The beginning of the year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of coverage and price.
Did you have any of these changes in the last year?
1. Bought a new car or sold a car
2. Changed your marital status
3. Bought a boat, RV or ATV
4. Change of address
5. Welcomed a new baby into the family
6. Major inheritance
7. Have a new teen driver in the family
8. New purchase of guns, jewelry or art
9. Child headed off to college
10. Child over the age of 26
11. Purchased second home
12. Plan foreign travel
13. Started a home based business
Insurance “To Do” List
· Review my insurance to make sure I have the right coverage
· Take the time to read my insurance policies
· Consider increasing my umbrella coverage
· Check my credit score
· Get a quote for earthquake insurance
· Consider an alarm system
· Clean my gutters
· Have I replaced all the batteries in my smoke detectors?
· Does my insurance agent have all my correct information, including new phone number, address, and newly purchased property?
· Consider increasing my auto deductibles on my older vehicles
· Make sure I have identity theft insurance
· Combine my auto and home insurance to save money
· Complete a home inventory to ensure my property values are correct
· Do I have enough life insurance?
· Do I need life insurance for my spouse?
Call us today and allow us to help you manage your insurance program.
Tue, 11 Feb 2014 10:57:04 -0800
It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically can include watches, jewelry, art, cameras and other valuable items.
CNN reports that Valentine’s gift spending will reach $18.6 billion dollars this year. $4.4 billion dollars will be spent on jewelry alone. Other interesting Valentine’s Day facts:
· $1.6 billion dollars -- The amount people will spend on candy.
· $1.9 billion dollars -- The amount people will spend on flowers.
· 40.7% -- The percentage of people who will use their Smartphone to purchase Valentine's gifts.
· 151 million -- The approximate number of cards that are exchanged on Valentine's Day.
Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars. In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled on your policy. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.
Our homeowners and renters insurance can provide many benefits including:
· Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
· Extended Replacement Cost - Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
· Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
· Identity Theft Protection - Pays for expenses you incur as a result of criminal identity theft.
Call us today. We can provide you will the right combination of coverage, and price, followed up with outstanding service. Enjoy the day!