Monday, November 6, 2017

Top 10 Reasons to be Thankful for Insurance

Since Thanksgiving is almost here, what better time to think about what we’re grateful for?  And while we love insurance all year long, we’re especially thankful for all the things it does for our clients.  


Reason #10.  You don’t have to panic when a hail storm comes along (and you don’t have a garage).

Reason #9.  You can rent the apartment and know that your possessions are still protected, even if you don’t own your own home yet.

Reason #8.  You don’t have to empty your savings account when an uninsured driver hits your car.

Reason #7.  You don’t have to worry about losing your home to a lawsuit from an honest mistake.

Reason #6.  You can invest in nice things without worry that they’ll be stolen.

Reason #5.  You know that if a big storm comes, you can evacuate to safety without worrying about your home.

Reason #4.  You know that if you were to lose your spouse, you would be able to survive financially.

Reason #3.  You know that your assets are protected, even if you can’t predict the future.

Reason #2.  You know that even if there is a disaster, as long as your family is safe, everything will be okay.  


And the #1 reason:  You don’t have to worry.  We’ve got you covered!

If you're unsure whether you have adequate insurance coverage from all that life throws at you, call SAV-ON at 888-867-2866 and one of our friendly agents will be happy to help you figure it out. Or, go to www.sav-on.com and send us an inquiry!


Thursday, October 19, 2017

Halloween Safety Tips

It's October and that means that Halloween is on its way!  We love any excuse to celebrate around the office. However, we wouldn't be a good insurance agency if we didn't give a few good liability insurance tips for your home, too.

You've heard most Halloween advice over and over, but it's worth repeating:

• Pack a flashlight for when it gets dark.

• Make sure your young child (under 10) is accompanied by an adult; older children who aren’t with an adult should stay in groups of three or more.

• Put reflective tape on children's costumes..
• Check the candy they have collected before letting them eat any.

• Too much candy that night means a tummy ache or  trouble sleeping. Set a limit.

But what about the risks at your home?

Your homeowners insurance covers you if someone is injured on your property. But there are a few things you can do to prevent accidents before they happen:

1. Change your lightbulbs. Is your porch light burned out? What about lights along the sidewalks? Good lightning will help prevent children (and adults) from tripping.

2. Clear hazards. Tree limbs in your yard? A hole you've been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!

3. No open flames. While candle-filled pumpkins are fun to make, they can be dangerous, too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces.

4. Secure your pets. Pets, especially protective dogs, can be startled by the noise and costumes of approaching trick-or-treaters. Make sure you secure them in the house or back yard so they don’t suddenly get "spooked" and attack or injure any of the children.

5. Don't overdo your "tricks". While it’s always fun to have a few “tricks” in addition to the “treats” for unsuspecting kids, make sure you don’t create a trick that could cause bodily injury. Deliberate tripping hazards, falling objects or open flames should be avoided.


And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call SAV-ON today @ 888-867-2866 to schedule a free review and detailed explanation of how we can keep your home and family protected. It won't be scary at all!


Tuesday, October 3, 2017

October Is Fire Prevention Month

October is officially Fire Prevention Month. As your insurance agency, this is an issue that is very important to us! Unfortunately, we've seen clients suffer from home fires, and we want to share some things you can do to prevent a disaster.

Beyond basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove, there are several important things to do with your children or grandchildren to make sure they're safe.

Make an Escape Plan

First, create a plan and talk to your family about what to do in the event of a fire. When children know what to expect, they can remain calm, even during an emergency. Help your child know exactly what he or she should to do if a fire occurs.

Choose a Safe Meeting Spot

Stress the importance of getting out of the house and to your family meeting spot.  Choose an area a safe distance from the house where children should go if making a fire escape. It could be a street light, mailbox, or neighbor's tree.

If you have pets, tell your kids that your pets will find their own way out safely and that they should never go back to rescue the pet on their own. 

Identify Two Different Escape Routes

As a family, go through each room of the house and discuss TWO different ways to get out if a fire occurs. Let children practice opening a latch and unlocking doors too.

Home Fire Drill

Now host a fire drill! Make the practice drills fun and informative. Create sample scenarios and build up your kid's confidence. They'll be better prepared for a fire and you will too!

When it comes to any sort of emergency situation, people are what matter most. Take precautions to protect your loved ones and let your professional insurance agents take care of protecting your home and belongings!  Call SAV-ON at 888-867-2866 for a free quote on your homeowner's Insurance today!


Tuesday, September 19, 2017

September Home Maintenance Tasks

We like to share easy tasks you can do to keep your home in tip-top shape all year long.  So, here are a few simple tasks you can do during the month of September to prepare your home for cool, rainy fall weather!

Check Gutters -  Take a few minutes to make sure your gutters are clear.  With rain and falling leaves, gutters will be working overtime and get clogged easily with debris.  By making sure they’re clear now, you’ll avoid water damage later on. 

Gather Firewood - Will you be burning a wood stove or fireplace this winter?  Start gathering up dry firewood now and save yourself from doing the task when it’s rainy and cold outside. Wet wood has to dry for weeks before it will burn effectively.

Clean The Dryer Vent - Lint accumulating in the dryer vent can cause a house fire.  A couple of times per year, unplug the dryer and thoroughly vacuum the area around the dryer vent and hose.  Remember to check the outside vent too! 

Get Ready For Autumn - Now is a great time to start planting some fall flowers for a splash of color in your yard.  Mums make a great addition to your front porch! 

Caulk Windows - Before the wind and rain start beating at your windows, and the cold air tries to infiltrate your home, it's best to check all your windows for gaps that can let rain and cold seep in. Caulking around the edge of window frames can save you money and prevent mold from rotting your window frames.


Save On Home Insurance - Homeowners Insurance is an important part of protecting your belongings, too.  Make sure you have the best coverage by calling SAV-ON today at 888-867-2866 or go to www.sav-on.com for a free, no obligation quote. 


Tuesday, August 8, 2017

Choosing the Best Car Insurance For Your Teen

Do you have a teenage driver (or one on the way)?  Back to school time is a great opportunity to think about car insurance savings!

Having a teenage driver can be stressful.  You worry first and foremost about their safety and then about the costs.  And there are a lot of costs!  Things like purchasing an additional vehicle, getting licensed, and paying more for insurance.

Fortunately, you still have options.

Choose the Right Vehicle

First you want to think about the vehicle your teen will be driving.  Premiums are higher on vehicles with comprehensive and collision coverage, which pays to fix your vehicle after an accident.  When you have a car that has only liability insurance (which pays only for damage your driver does to someone else’s car), you pay a lot less.

If you are purchasing a car for your teen and need to watch your budget, consider buying an older reliable model for cash that will not require comprehensive and collision coverage.  We can help you weigh the cost and the risk to see if it is a good option for you.

Take Advantage of Discounts

You also want to take advantage of all available discounts.  These vary by policy but typically include a discount for driver's education and one for having good grades.  With school about to start, it's a great time to setup an incentive plan with your teenager to make sure they keep those grades up and your premiums low!

Questions? Call Us!

Still have questions?  Call SAV-ON at 888-867-2866 to review your current policy and look for ways to help you manage the cost of having a teenage driver.


Thursday, July 6, 2017

What To Do After An Insurance Claim

Claims can be a stressful process.  We've worked with many clients after car accidents, home fires, storm damage, and even a death in the family.  Insurance claims are tied to the most stressful events in our lives.

That's why it's extremely important that you work with an agent and a company that you trust.

After an insurance claim, you will be assigned an adjustor to evaluate your loss.  Depending on the type of claim, they will examine the property and gather more information.  The adjustor will determine the settlement amount and answer any questions you may have.

So what happens if things don't go smoothly at first?  Maybe you don't agree on the amount or can't get the right documentation?

That's where SAV-ON Insurance comes in.

Our job, as your agent, is to also be your advocate.  Our office goes to work to help you communicate with your adjustor if there is a problem.  That means that when you need help, we're there.

Yes, sometimes you can get cheaper rates with unknown companies.  And you might like being able to buy online without talking to an agent.

But when it comes down to those stressful moments, it's great to have someone you know on your side.  Call SAV-ON at 888-867-2866 today and let us protect your family next.

Thursday, May 4, 2017

Now is the Time to Insure Your Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake or along Puget Sound.

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 us) before the big items come out of winter storage.

Recreational Vehicles - Your motor home or travel trailer needs insurance coverage, especially if you'll be driving or pulling it 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 cross country, we offer several RV policies to fit your needs.  Just call us at 888-867-2866 for a quote, or get an online quote at www.sav-on.com.

Boat - 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.  Don’t forget to have enough life jackets and carry your Boater ID card, which is required in Washington.

Motorcycle - 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 Agencies for a quote or to review your current coverage.  We can be reached at 888-867-2866 or online at www.sav-on.com.