Monday, May 23, 2016

Do You Need Full Replacement Cost Coverage for Your Home?

When you purchased your home, you bought insurance to protect it.  Your Homeowners insurance is there to rebuild your property if you were to suffer a fire, severe weather, or many other losses.

However some people make the mistake of buying the cheapest insurance, thinking that it’s just like every other Homeowners policy.  That’s not true! 

When you look at the details of your home policy, you’ll see that you are either covered for “full replacement cost” or for “actual cash value.”  These are important differences

Big difference between 'Full Replacement' and 'Actual Cash Value'

Full replacement cost means that the insurance company will pay whatever the cost is to get your home back to the state it was in before the claim.  It’s why your home is usually insured for a lot more than you actually paid for it.  Building costs and materials are always increasing, and it may cost much more to rebuild your home then it originally did.

Actual cash value on the other hand, only pays what your home was worth at the time of the loss, minus any depreciation.

Here’s an example:  Let’s say that your couch was burned in a covered fire claim.  Full replacement insurance would buy you a new couch in the same style and value as the original was when you bought it.  You get a brand new identical couch.

Actual cash value would only pay what your couch was worth at the time of the fire.  The “market value” of your couch is more likely what you could have sold it for on Craigslist. You’re not going to get a new couch from the claim, but you could go buy a used one similar to the condition of yours right now.

Now imagine what a difference that makes if you were to suffer a major loss on your home! 

We believe that full replacement cost is what everyone needs!  So if you’re shopping for home insurance and notice that one price is substantially less than the others this could be why.  Always check to see what kind of coverage you’re purchasing. 

And give SAV-ON a call at 888-867-2866 to learn more and get a quote for your home. 


Thursday, May 5, 2016

Spring Home Maintenance Checklist

Spring is in full swing!  And that means it’s time for warm weather, spring flowers, outdoor activities, and storms. 

Now that the temperatures are warmer, the days stay light longer, and the rain has mostly gone away, there are a few things you can do to make sure that your home stays in great shape! 

Your spring home maintenance checklist:

• Test smoke & carbon monoxide detectors and change their batteries.

• Check garage door, replace batteries in your remote.

• Check outside of house for tree limbs touching roof. Trim them back so a falling limb won't damage your roof in a windstorm.

• Clean siding and check for peeling paint. Now's a great time for a new coat of paint!

• Weed your garden and plant some fresh flowers.

• Inspect roof and chimney for cracks and damage.

• Wash all windows - inside & out.

• Service your lawn mower.

• Dust blinds and vacuum curtains.

• Insure your boat before summer!  (Call us today for a quote.)

• Install screens on windows and doors to keep bugs out and let fresh air in.

• Clean outdoor furniture.

• Clean kitchen and bathroom cabinets and throw away outdated food, medicine, and cosmetics.

And if we don’t currently insure your home and autos, give SAV-ON Insurance a call at 888-867-2866 today for a free quote and review!  We’ll make sure that your family is protected all year long, and save you money in the process, too!


Friday, April 1, 2016

Protect Your Family During Severe Weather


While we watch the news and see death and destruction from tornadoes in the southern states recently while we're basking in beautiful spring weather, we are well aware that it has a nasty way of changing fast at this time of year. April can bring with it lots of stormy, windy weather with rain, hail and -- yes -- even an occasional twister.

Is your family prepared if the weather turns ugly? Now is the time to think about protecting your home and family. 

A Safe Place to Go

First things first, make sure you have designated a safe place to go to if the weather gets severe.  It could be a basement, closet, or room with no windows or outside walls. Make sure this space is cleared out enough that you could easily get your family (and pets) inside if needed.  (You don’t want to be frantically clearing out the closet if there is a tornado!)

An Emergency Kit

Next, put together a small emergency kit.  What would you need if the power was out?  Consider putting in flashlights, extra batteries, canned food, a weather radio and plenty of water. (Don’t forget supplies for your pets too!)

Emergency Phone Numbers

Keep emergency phone numbers in your cell phone contacts, including the phone number for our office in case you need to make a claim.  You could even save a note in your phone with your policy numbers too.

If you do suffer damage, give us a call to report a claim once the danger has passed.  We’ll do everything we can to make the claim process simple and quick! 

While we can’t prevent bad weather, it’s always great to be as prepared as possible. Take care of your family first and know that SAV-ON will be there to protect your belongings.

Make sure your homeowners insurance is adequate for your home BEFORE the storm hits! Call us at 888-867-2866 for a free analysis.

Thursday, March 17, 2016

Are You Prepared for a Flood?

March is the time of year when we talk about severe weather.  That can mean hail, tornadoes, and even floods. This has been an especially wet winter in the Northwest, so the danger of flooding is still high.

A little flooding in a home can cause thousands of dollars in damage. The majority of flood insurance claims come from areas that are considered to be low to moderate risk. Whether you live in a low-risk flood zone as determined by the Federal Emergency Management Association (FEMA) and the National Flood Insurance Program (NFIP), or if you are in a high-risk area and coverage is being required by your mortgage lender, having a flood insurance policy is prudent for anyone that occupies a residence.

Also, it's important to keep in mind that you'll face a delay between getting flood insurance and when it becomes effective! FEMA and NFIP require a 30-day waiting period before coverage becomes effective, but we can provide coverage that becomes effective in only 15 days. That still means there is a delay before your policy is in effect, so don't wait too long!

Flood safety is extremely important. That’s why it’s a good idea to review these basic flood safety tips, provided by Ready.gov, with your children every year. 

If a flood is likely in your area, you should:

• Listen to the radio or television for regular updates and information.

• Be aware that flash flooding can occur. If there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move.

• Be aware of stream, drainage channels, canyons and other areas known to flood suddenly.

• Flash floods can occur in these areas with or without typical warnings such as rain clouds or heavy rain.

If you need to evacuate: 

Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.

If you have to leave your home, remember these evacuation tips:
  • Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
  • Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground, when water is not moivng or not more than a few inches deep. You and the vehicle can be swept away quickly.  If your vehicle is trapped in rapidly moving water, stay in the vehicle. If the water is rising inside the vehicle, seek refuge on the roof.
  • Do not camp or park your vehicle along streams, rivers or creeks, particularly during threatening conditions.
With a little bit of preparation, you can keep your family safe!  Review these tips for flood safety and contact SAV-ON Insurance at 888-867-2866 if you have questions about flood insurance coverage, but don't wait until the last minute. Then it will be too late!

Wednesday, March 9, 2016

Time to 'Spring Clean' Your Insurance!

The arrival of spring means it’s time for spring cleaning!  So why you're cleaning up around the house, why not clean up your insurance policies and look for extra savings? Discounts are the best way to save on your insurance premium each and every month. But a lot of people are missing out on them!  With a little documentation, you could see great savings.

Here are some of the ways you can save:

Security Discounts - Does your home have a security system or fire protection system?  Some of these devices will help you save big on your home or renters insurance.  If you have a certificate of installation (and even if you don’t), let us know and we’ll see if you qualify.

Driver Training and Defensive Driving - Did your child take a certified Driver’s Education course?  Did you take a defensive driving course?  These classes will typically qualify you or your child for discounts!  Just bring in a copy of your completion certificate and we’ll get it added to your policy.

Teenage Drivers With Good Grades - Good grades will help you save!  Some of our policies offer a discount for students who maintain a high GPA.  Give us a call to see the requirements for your policy. 

Payment Discounts - There are many different options when it comes to paying your premiums.  Some policies offer discounts for paying in full or a reduced installment fee if you put the payment on auto-draft.  We can advise you of all the payment options so you pay as little as possible.

Multi-Policy Discounts - When you have all of your insurance in one place, you save more!  If your auto and home insurance is spread out between multiple companies or agencies, let us help you consolidate.  You’ll be better protected (with less gaps in coverage) and save money, too!

The key?  Talk to your agent!  When we schedule regular annual reviews, we can review your policy discounts and make sure you are receiving the best coverage at the best price.  Call SAV-ON today at 888-867-2866 to schedule an appointment.

Wednesday, February 24, 2016

Home Fire Prevention and Creating a Family Fire Escape Plan

While many are concerned with the wildfires of summer, winter is the season with the highest danger for house fires. Cold weather means wood-burning stoves and space heaters are in use regularly. Fireplaces crackle with burning wood and electric blankets are put to use to keep warm at night.

But, heating elements and flames can also spell danger. Fires can start and quickly grow into a huge blaze. It only takes a few minutes for an electrical short or a ember from a fireplace to become a devastating blaze, causing a great deal of damage or even death. 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.

Basic Fire Prevention

Practice basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove. If you're a smoker, make sure to light up outside, and make sure your cigarette is out before discarding it. It's best to wet it down before putting it in the trash, as the hot ash could ignite paper or other combustible material.

Natural Gas Leaks

If you have a gas appliance, make sure to follow all the manufacturer's instructions for its use, and if you smell gas immediately shut it off. Wait five minutes and make sure you don't smell any gas, then carefully follow the proper procedure for relighting it. If you still smell gas, turn the gas off, go outside and call your gas company. Don't call from inside the house, as a spark from the phone could ignite the gas. Stay outside until the gas technician tells you it's safe to go back in.

Have a Family Fire Escape Plan

Create a plan and discuss it with your children. When children know what to expect, they can remain calm, even during an emergency. Help your child understand exactly what to do if a fire occurs.

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 even a neighbor's tree, but it should be fairly close, so smaller children won't get lost or disoriented, especially if it's dark.

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.

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.

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!

Get Out Quickly!


When it comes to any sort of emergency situation, people are what matter most.
Don't stop to gather photos, paintings or your favorite coat; it might prove fatal. Fires can spread very quickly, and smoke inhalation kills more people than the actual flames do. Grab your cellphone, escape the house as fast as you can, and make sure your children get out with you! Then call 9-1-1 once you're safely out of the house.

Take precautions to protect your loved ones and let your professional insurance agents at SAV-ON take care of protecting your home and belongings! Call SAV-ON Insurance Agencies at 888-867-2866 for a free quote on your Homeowner's Insurance today!


Tuesday, February 9, 2016

Valentine's Day is a Popular Day for Proposals and Weddings...Make Sure Your Insurance Feels the Love!

February is one of the busiest times of the year for engagements and weddings.  And if you’re planning to tie the knot soon - congratulations! 

Now it’s time to think about what this means for your insurance!  When you get married and combine two households, there are some important insurance things to think about.  Let’s go over some of the most common (and often overlooked).

Auto Insurance

Once you’re married, you’ll want to combine your vehicles onto one auto insurance policy. Bonus?  Many times you’ll get a discount when you have multiple vehicles on one policy!  If you only own one vehicle, just make sure to add your spouse to the policy.

Renter's or Homeowner's Insurance

Next you’ll want to make sure that you have renters or homeowners insurance in place for your new household.  If you’re keeping your current residence, just have us add your spouse to the policy.  If you’re renting and don’t have coverage, have us quote a renters insurance policy!  You’ll save on your auto insurance PLUS protect all of those fancy wedding gifts!

Life Insurance

And finally, have a conversation about Life insurance.  No one wants to think about this important coverage but if you’re planning to start a family or if your spouse depends on your income, then now is the time to get it started.  We can quote an affordable life insurance policy to protect your new family.

None of this is time consuming or difficult!  In fact, it can usually be done in one short phone conversation.  Call us today at 888-867-2866 to discuss your policy!