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!

Tuesday, August 14, 2018

"Back to School" Insurance

As August draws to a close, it's time to start thinking about your kids going back to school or on to college! What does that have to do with insurance? Here are a few things to keep in mind.

Good Grades - Do you have a teenage driver in the house (or one about to be a new driver)? Many policies allow discounts for students with good grades. Don't forget to talk to your kids about the importance of keeping those grades up! These discounts can apply to college students, too.

Driver Training - There are different discounts available for Drivers Ed classes. We can review all the options and let you know which discounts will impact you the most.

Moving to the Dorm - Is your college student living in a college dorm this year? Your homeowners insurance may cover their belongings without additional coverage being needed. This is called Property Off Premises coverage.

Remember, any claims on their belongings would be subject to your deductible which is usually higher on home policies! Call SAV-ON and let one of our agents review your policy to check for the specific amounts of coverage included.

Moving To An Apartment - Let's say your college student has graduated from the
dorms and moved into an apartment on or near campus. In this case, your homeowners insurance would not cover their belongings and they would need their own renters insurance policy.

Renters insurance is very affordable and covers all of the contents of the property. It also provides liability insurance if someone were injured in the property or if the student causes a fire, etc. By making sure they are properly insured, you are also protecting yourself.

At SAV-ON, we work hard to make sure all of our clients have the right coverage at all times. The fastest and easiest way to make sure your student is receiving all the discounts they qualify for and that their belongings are covered at college is to schedule a review! Call us at 888-867-2866 or go online to www.sav-on.com to schedule a review your policy and situation and we'll make sure all of your questions are answered.

Monday, July 9, 2018

What To Do When Your House is Vacant

Vacant homes pose a higher risk for vandalism or damage.
Selling your home can be a stressful process, especially when it doesn't move quickly.  With a new job looming or some other matter that requires you to move right away, you may have no choice but to leave the home vacant for a short time until it sells. 

The problem?  Vacant homes fall under different insurance rules and can leave you at risk.  Homes are typically considered vacant when the utilities are shut off and/or furniture has been removed.

Insurance companies view a vacant home as a higher risk.  There are more opportunities for vandalism and no one living there to protect the home from fire or storm damage. 

So what should you do when moving?

First, you need to talk to your SAV-ON insurance agent and get the details on your policy.  Since policies vary by state and insurance company, there is no single right answer. 

Explain the situation to your agent.  Ask what coverage is included and what is excluded (specifically for vandalism).  And find out what changes can be made to protect your home.

Selling a home doesn't always follow a quick timeline.  If you're facing the possibility of leaving your home vacant, contact SAV-ON Insurance at 888-867-2866 and find out how to best protect yourself and your property.  We love to help our customers!

Friday, May 18, 2018

It's Time to Insure Your RV, Boats and Motorcycles for Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake or at some campground in the Cascades.

That's why now is a great time to review insurance coverage on all of your summer toys.  Read below for things to consider (and review with SAV-ON) before the big items come out of winter storage.

RVs - Your motorhome or travel trailer needs insurance coverage, especially if you'll be driving or pulling it around this year.  Even if you don't have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving across the country, we offer several RV policies to fit your needs.  Just call us for a quote.

Boats - The same thing goes for your boats and jet skis.  You've made a big investment and it's important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage. In Washington state, you will also need to make sure you have a Boater's License card, since it is required for everyone born after 1955. And don’t forget your life jackets!

Motorcycles - Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need. 

Swimming Pool - If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe. 

Summer is a lot more fun when you know that your high-priced recreational items are properly insured and protected.  Take 15 minutes to call SAV-ON Insurance at 888-867-2866 for a quote or to review your current coverage. 

Monday, April 2, 2018

Spring Home Maintenance Tasks

April has arrived and brought spring with it (finally)!  With the longer daylight hours and warmer temperatures, there is no better time than now to get focused on home maintenance and spring cleaning.  Here are a few things you can do in April to protect (and organize) your home.  

Check For Damage - Winter can be really hard on your home.  A quick inspection around your property can reveal a lot of home improvement projects!  Look for any damage to your roof or outdoor window screens and doors.  Make note of chipped paint or areas that are in need of general maintenance.  Decide what you can do yourself and what will require a professional. 

Spring Clean - Now it’s time to tackle the inside of your home.  Start working on clearing out and donating unused items (think tax deduction next year!)  This could be the perfect time to take inventory of any high-value items that need to be documented for your insurance, like guns, artwork, and jewelry.  Take photos or make a quick video of those items and store it in a secure (and fire-proof) location.  

Many cities have hazardous material events, where you can bring in old batteries, computers, and other difficult-to-dispose-of equipment and materials. Contact your city hall and find out when they will be having this event, then load up your car or truck with all those items and get rid of them!

Clean up the Outside - Grab a rake and get rid of all the dead leaves and debris that has found its resting place in your yard. Put down some fertilizer to get your dormant grass greened up for the season. Rent a pressure washer and clean up all the dirt and grime that has built up on your concrete driveway and sidewalks.

Organize Your Tax Documents - You probably just finished your taxes in the past few weeks.  Were all of your documents easy to locate?  What could make the process even easier next year?  Update your filing system or schedule a meeting with your accountant and get prepared now, while your taxes are still fresh in your mind.

Car Maintenance - April is Car Care Month.  If you’ve been putting off an oil change or a tune-up, get it scheduled now.  Your car will run better and maintain it’s value longer! If you have snow tires on your car, get them switched out with your regular tires. It's also a good idea to replace worn tires in the spring, so you're ready for summer travel.

Spruce Up Your Porch - How does your front porch look these days?  Could it use a little extra care?  Buy a new welcome mat, plant a pot of flowers, and make sure you can easily read your house numbers.  

Get Great Homeowners Insurance - The best way to protect your home?  Having the right amount of insurance!  Let SAV-ON Insurance give you a no-obligation review of your current policy.  Call to 888-867-2866 or go to www.sav-on.com to schedule your appointment today.