Tuesday, December 11, 2018

Scheduling Jewelry on Your Insurance Policy

Christmas time is a season of gift-giving, and some of it is in the form of jewelry.  This means that you might find yourself with a new diamond ring or expensive piece of jewelry. While it is a wonderful gift to get, you need to protect your new investment!

Many people spend thousands of dollars on beautiful jewelry but don’t take the time to find out how to insure it. And this can be a big mistake!

If you have homeowners or renters insurance, then your jewelry is covered as part of the contents of your home. But there can be problems...

1. We don’t know what it is worth.  It’s hard to get the full value of your jewelry back if you don’t know all of the specifics!  Weight, color, cut, size, and so forth are all factors in the value.  Ten years from now you might not even remember how much you paid. 

2. You probably have a large deductible on your homeowners insurance.  Typically your contents coverage deductible is around 1% of your home value.  So if your home is insured for $200,000, then your deductible is $2,000.  If your ring is stolen, you’d be responsible for the first $2,000 before insurance kicks in! 

But there is a simple solution to avoid all of these problems. SAV-ON homeowners and renters policies allow you to “schedule” jewelry for a small additional cost.

You bring in the receipt and appraisal of the item and we add all of that information to your policy.  (Sometimes we don’t need all of this, just call us first and we can let you know.) 

You will be charged based on the value of the item, but typically it’s less than $40 per year! (Sometimes much less, sometimes a little more.  It all depends on how much insurance is required.) 

Plus, scheduled items don’t require a deductible.  So if your ring is lost or stolen, you pay nothing out-of-pocket but get to replace your precious jewelry.

So next time you open a jewelry box and put a sparkling diamond on your finger, make sure that you are insuring your investment. 

Have questions about scheduling items on your homeowners insurance?  Call SAV-ON today at 888-867-2866 for assistance! 

Wednesday, December 5, 2018

Protect Your Belongings This Holiday Season

The holidays have officially arrived!  And for many of us that means shopping, gifting, decorating, partying, and traveling. And a whole lot of it!

Insurance agents are always on the look out for things that might put our clients at risk.  That’s why we wanted to share a few quick reminders this month to make sure you avoid any potential claim situations. 

1.  Be careful with a live Christmas tree. Real trees are beautiful, but can be hazardous when if they dry out. To prolong the life of your tree, water it daily and turn the lights off at night and when you won’t be home to avoid a house fire. Make sure the lights on the tree and any extension cords are in good condition. Frayed cords can short out and start a fire!

2. Don’t leave gifts in your car! A lot of people don’t realize that items in their car are NOT covered by auto insurance.  While property off-premises is covered by home and renters insurance, it is typically subject to a much higher deductible.  If you must leave anything in the car, put it in the trunk and lock the doors.

3. Traveling out of town?  Don’t make it too obvious!  Leave lights on in the house (preferably on a timer), stop your mail, and leave your number with a trustworthy neighbor who will keep an eye on your home. Also, don't announce your travel plans on social media. It's an open invitation for thieves to ransack your home, knowing you won't be home for a few days.

4. Make sure to keep an updated insurance card in your car when you travel.  Not only is it good to have if you get pulled over, but all the information you need is in one place if you were to have a claim.

5. Need to contact us after hours or on the holiday?  No problem. Just call for after-hours assistance.

6. Received some special jewelry for Christmas?  Make sure to call SAV-ON so we can get it scheduled!  We’ll review all of your options to make sure it is properly covered and protected. 

And most important?  Have a safe and joy-filled holiday! We appreciate our wonderful customers!

Merry Christmas from all of us at SAV-ON Insurance Agencies! 

Thursday, November 29, 2018

Tips for Driving Safely this Winter

Winter is almost here, and in the Northwest that means cold, fog and slippery streets. Add to that increasing darkness during the commute, and it makes driving much more hazardous for the next three months or more.

The American Automobile Association (AAA) has a number of driving tips that will help keep you and your family safe while traveling this winter.

Get a Vehicle Checkup

Just like your personal health, your vehicle needs a clean bill of health to survive the wintry weather and slick streets. Now is the time to take care of any problems with your vehicle's electrical system, battery, brakes, tires, exhaust, engine-cooling system and windshield wipers. You want to avoid a breakdown in inclement weather!

Make sure you fill your windshield wiper fluid now for the inevitable rain, slush or snow that will try to obscure your view of the road. Wipers can smear the windshield, and without fluid to wash it off, you could be blinded to the hazards in front of you.

Check your tires for excessive wear to make sure they will grip the road when it's wet or snowy. One quick way of testing the amount of tread left is to push a penny in the groove between the treads, with Lincoln's head facing down. If the top of Lincoln's head is visible above the tread, then your tires are too worn-out, and you need to purchase new tires.

Carry a Survival Kit

If you should get stranded, a survival kit will be very important to keep you safe and warm until help can arrive. This should include:

• A warm blanket
• Boots and insulated gloves
• Food and water
• A flashlight with extra batteries
• Ice scraper
• Small shovel
• Signal flares
• Jumper cables
• Sand or kitty litter (for helping your tires get a grip if you're stuck)

Make sure you have a cellphone and a charger with you, too, so you can call for help.

Check the Weather Forecast First

Before heading out on the road, make sure to check to see what the weather will be like, so you aren't caught in bad weather, heavy traffic or poor road conditions.

Once you're behind the wheel, slow down and leave plenty of distance between you and the vehicle ahead of you, in case of slippery roads or accidents. It's also more important than ever to not be distracted by phones, maps, children or pets. Your vehicle may not respond as quickly as normal, and any delay in your reaction time could spell disaster!

Finally, make sure your auto insurance is up-to-date, and covers you in the event an uninsured or underinsured driver hits you. Call SAV-ON today at 888-867-2866 or visit www.sav-on.com to make sure you're set for winter driving.

Source: American Automobile Association


Tuesday, November 20, 2018

Broken Unground Pipe or Buried Electrical Line? Homeowners Insurance Won't Help!

Broken underground pipe.
Many homeowners think that their homeowners insurance policy will cover anything that goes wrong on their property, but that is not true. In addition, underground sewer lines, water lines and electrical lines that run from the property line to the foundation of the house are not the responsibility of the utility company, but the homeowner’s responsibility. 

If you have a leak or electrical failure from a break in an underground pipe in your yard, you may be out hundreds – or even thousands – of dollars in out-of-pocket costs! That’s where Utility Line Insurance can protect you.

Your typical homeowners policy will not cover items outside the foundation, such as buried utility lines. And if the pipe breaks inside the walls of the home, your homeowners will cover the damage, but not the broken pipe itself. 

Utility line coverage provides protection in the event of an unexpected water, sewer or exterior electrical line failure, whether it happens between the property line and the home, or inside the foundation, as long as the failure is in an underground line.

Exterior Water Line – Protection for one underground water supply line from the meter or well (on property) to the outside of the home’s foundation.

Exterior Sewer Line – Protection for one underground main sewer line from the outside wall of the foundation to the property boundary.

Exterior Electrical Lines – Protection for each of the following (must be buried): electrical power line, fiber optic line, cable TV line, phone line – from the outside wall of the home to the property boundary.

Interior Water Lines – Protection for the water lines running throughout the interior of the home.

Interior Sewer & Drain Lines – Protection for sewer lines and gray water drain line leaks and failures running throughout the interior of the home.

Note that the coverage is for broken lines only; not normal wear and tear within the line. If a line becomes plugged due to normal useage,  it is not eligible for coverage.

The coverage is convenient and easy to use. It comes with 24/7 emergency response hotline and has a zero deductible! But, don’t wait until you have a problem; there is a 30-day waiting period, so it’s important to secure this protection before a line failure occurs.

Call SAV-ON Insurance today at 888-867-2866 and be protected from utility line failure

Tuesday, November 6, 2018

What Is Insurance Really For?

Thanksgiving has almost arrived. This is the time of year when we sit back and reflect on all the things that we are thankful for. What immediately comes to mind?

For most of us it’s things like our family, our home, and our good health. And guess what they have in common? All of these things are what insurance protects!

That’s why it is so important to us that our clients have excellent insurance coverage. It’s not just about having an ID card in your car so you don’t get a ticket, or fulfilling your mortgage company’s minimum loan requirements.

Insurance is there to make sure that if the worst happens, you can recover from it. It might not be easy, but we’re here to ease the financial burden after your house burns down or a loved one passes away.

All of those TV commercials that just tell you to find the cheapest rate are completely wrong! Of course no one wants to pay more then they have to, but it’s not the most important part of the equation.

Rather than looking for a cheap bare-bones policy, take the time to interview and meet with a local SAV-ON agent. Find out the best coverage that truly meeting your needs while keeping the rate affordable. Ask us about how the insurance company you choose handles claims. Know that SAV-ON is dedicated to keeping you up-to-date and schedules annual policy reviews to make sure you get the best coverage at the best price.

This Thanksgiving, SAV-ON Insurance Agencies is extremely thankful for all of our wonderful clients. If you need a local agent to look out for your most prized possessions, give us a call today at 888-867-2866 or visit www.sav-on.com for a free no-obligation quote.

And have a wonderful Thanksgiving!


Monday, October 1, 2018

Prepare Your Home for Winter Freezes

With winter fast approaching, now is a great time to prepare your home for the inevitable freezing temperatures at night.  Use the checklist below to give you ideas for keeping warm, preventing fires, and saving money.

• Have your furnace inspected and serviced by a professional at least once a year.

• Have chimneys and vents cleaned and inspected.  After a summer of non-use there can be pine needles, leaves and even bird's nests or other critters that have taken up residence and can block the flue. (In addition, built-up creosote is the leading cause of chimney fires.)

• Stock up on dry, seasoned wood for the fireplace or wood stove.

• Check the condition of your fireplace screen. Is it in good condition and secure? Faulty screens can allow embers to escape and start a fire.

• Get a covered metal container ready to dispose of cooled ashes.  (And keep it at least 10 feet from your home.)

• Review fireplace safety with your family, and have an escape route planned in case of smoke or fire. (Smoke inhalation is the leading cause of death in a house fire.)

• Make sure all portable space heaters have an automatic shut-off and are kept at least 3 feet away from anything that can burn (like bedding).

 • Never use a propane heater or barbeque grill to heat your home. These give off poisonous gasses that can be fatal.

• Test all smoke alarms and carbon monoxide alarms! 

Follow these tips and your home will be ready for winter and safe from fire hazards.  

If you’re concerned about protecting your belongings, give SAV-ON Insurance a call at 888-867-2866 to review your home insurance policy today!

Friday, September 7, 2018

Smoke from Wildfires Cause Problems for Your Vehicle, too

This summer, smoke from a number of wildfires in Canada and Oregon made the air quality in Washington unhealthy, causing people with breathing difficulties additional problems, and even the healthiest of people discomfort in the form of scratchy throats and burning eyes.

But, people aren't the only ones affected. Your car may be sputtering from the dirty air, too. Smoky air can clog up your vehicle's air filter and force your engine to work harder as it tries to take in oxygen. Mechanics in eastern Washington have even reported some air filter's are so plugged the car wouldn't even start!

Now that the smoke is dissipating, your breathing may be improved, but your car's air filter has still suffered damage and will need to be replaced. Give it the "sunshine" test by removing it and holding it up to the light. If you can't see sunlight through it, it's time to change it. 

Normally, filters should be changed once every 12,000-15,000 miles, but with all the smoke and ash in the air, it needs to be done much more frequently to keep your engine running smoothly. Replacing clogged filters will also save wear and tear on your engine and increase gas mileage, since your motor won't be working as hard to get air through the system.

Changing an air filter is very easy; they are generally located above the main block of the engine, inside a circular cover with a wingnut holding the top on, or a couple of clips on the edges. Simply removing the cover exposes the filter, which just lies loose in the tray. Take the old one out and put the new one in, then replace the cover and you're done. Or, for about $20 you can have it done at an auto tuneup shop.

Here's hoping that the coming rains will help extinguish the remaining fires and get all of us -- and our cars -- breathing easy again!