Friday, October 30, 2009

SAV-ON Halloween Contest Update

Our original Dopey was out sick, but we had a great stand Kid's Club Secretary, Donny!

When the Evil Queen found out where Snow White was hiding, she came to drop off an apple.
Careful Snow White!


The Des Moines office as Snow White and the Seven Dwarfs first place, the "Best Costume" trophy, and pizza next week!

The Kent office won 2nd place, the "Most Original" trophy and will also be enjoying pizza next week.

And Normand in our Lynnwood office gets a consolation prize for his awesome rendition of Jack Sparrow; a McDonald's Big Mac Meal!!

Have a safe and Happy Halloween! For tips on trick or treating, check out our latest newsletter.

Halloween Office Contest!

In the spirit of Halloween, 3 offices compete for the pizza lunch!
Which is your favorite??

Kent Office

Des Moines Office

Lynnwood Office

Bellevue Office
Freeze, POLICE! .... Somebody isn't insured with SAV-ON ...

Tuesday, October 27, 2009

Homeowners, Time to Winterize!

Conduct a Roof Inspection: A professional roof inspection can identify roof damage while it still costs hundreds, instead of thousands, of dollars to fix. This inspection should also tell you the condition of your attic ventilation, key in preventing the formation of destructive ice dams. If you simply can't come up with the $200-$300 fee, at the very least conduct your own visual inspection to look for signs of wear-and-tear.

Make it Green: The most energy-efficient roof really depends on your location. Metal roofing works best for warmer climates, but an upgrade to roof insulation is universally green and a great idea before winter hits.

Clean your Gutters: Probably the most common and least neglected task of the bunch, don't take your gutter cleaning for granted. Proper cleaning involves more than just throwing easy-to-reach leaves out of the channel. Flush your downspouts and keep an eye out for any signs of gutter deterioration.

Make it Green: Retrofit your gutters to collect rainwater and snow melt next spring and summer to aid your lawn irrigation.

Insulate and Seal Windows: If you don't already have double-pane windows, it's time to jump on the bandwagon. With heating costs, few home improvements pay for themselves as quickly as replacement windows. If you simply can't afford it, use thick plastic covers or blankets to help out in the meantime. And regardless of the number of panes, take a look at your window frame. It may need new sealant.

Make it Green: Truly green windows are more than just double-paned. Different glazes will allow you to use daylighting techniques, and window treatments will allow you to block the heat gain of next summer's mid-afternoon sun.

Seal and Inspect Doors: Some homeowners pay so much attention to their windows that they forget their doors. Take a look at your entry door for air leaks and use weatherstripping to help seal the joints. Take a look at your garage door, too, for both insulation and home security value.

Make it Green: A new wood door for the entry, garage, or both will increase your home's curb appeal and it's insulating R-value simultaneously.

Evaluate the Furnace/Heating System: This one has a ton of upside. Catching problems with your heating system before winter hits almost always saves a bunch of money and will give you some time to plan for a replacement system, if necessary. If nothing else, at least change the filter, no matter the age or condition of your system.

Make it Green: For replacement systems, start with the big ideas first. Get an estimate for geothermal heating and cooling. If that doesn't pan out, take a look at split-system heat pumps or furnaces with an Energy Star label.

Winterize Your Landscaping: Just because you'll be spending most of the winter indoors doesn't mean all your maintenance is on the home itself. Properly close your swimming pool, winterize your sprinkler system, and prepare your garden for next year's planting.

Make it Green: Take the winter to grade your personal landscaping conservation practices. Is it time to start composting? How much water would you save with a fully-automated sprinkler system? Is there a good spot to plant a new tree in the spring?

Miscellaneous and Emergency Preparation: For most homes, winter means the looming possibility of snow and/or ice storms. A back-up generator is a great idea, but still no substitute for an emergency kit, complete with food and water, a reliable radio, and first-aid kit. Investing in a snow blower isn't a bad idea, either, especially for older homeowners who are vulnerable to heart problems.

Make it Green: Don't worry about saving the planet, until you've first saved yourself and your loved ones. Still, a back-up generator will, among other things, help make sure plumbing lines don't freeze and burst. After all, burst pipes harm both your household and your local environment.

Thanks to

Monday, October 19, 2009

Flood Insurance, Time is Running Out!

For people that wait too long for a flood insurance policy, you may be in for a rude awakening when companies stop offering it!
With the high volume of policies being issued, companies are starting to see that they could be in for some catastrophic financial losses.

Attention homeowners, renters, & mobile owners! Flood is not included in your regular policy. Flood works a little differently and we're always here to explain how flood coverage, exclusions, and deductibles work.

It's also VERY important to remember that there is a 30 day waiting period for flood policies. Which essentially means that if you take out your policy on 10/20/09, your policy will not go into effect until 11/20/09. Any flood occurring before that date will not be covered.

So just call us or e-mail us for a quote TODAY! You will be surprised at how inexpensive flood coverage can be.

For Flood Quotes & Questions
E-mail: or call 1-888-867-2866

Tuesday, October 13, 2009

Career Changes & Children Likely to Prompt Women to Purchase a Car

For women, purchasing a car can often be triggered by major life events, particularly changes in employment and family, according to a recent survey conducted for CarMax, Inc. (NYSE: KMX), the nation’s largest retailer of used cars.

Sixty percent of women surveyed indicated that a change in their career, whether it was a new job (37 percent) or retirement (23 percent), would be most likely to initiate the purchase of a vehicle. However, for women between the ages of 18 and 34, forty-one percent responded more likely to purchase a car when they become pregnant or welcomed another child into the family, a similar percentage as those surveyed who chose “new job” in the same age group.

“Many personal factors affect women shopping for a car,” said Donna Wassel, Southwest region vice president of CarMax. “Changes in family and employment create an opportunity to evaluate your current driving situation. If a car purchase is right for you, shopping at a no-hassle, no-haggle car retailer such as CarMax can make the experience a fun and enjoyable one.”

The following are the results of the recent poll that asked women: Of the following life events, which is most likely to prompt you to purchase a car?

The survey was conducted by Ipsos Public Affairs on behalf of CarMax. The national sample consisted of more than 500 U.S. women, aged 18 and older who were interviewed online August 17 through August 19, 2009.

Wednesday, October 7, 2009

Holiday Hosts Need a Personal Umbrella

Nearly 29 million American s will plan to host a party between Halloween and the Super Bowl. More importantly, over 21 million of those party hosts do not have Personal Umbrella Insurance, leaving them open to lawsuits and potential financial ruin.

If a party guest drinks, drives and causes an accident, the hosts can be held responsible. The high dollar value of jury awards combined with skyrocketing health care costs means one lawsuit can easily exceed the liability limits provided by the average homeowner policy.

SAV-ON has multiple companies which offer Personal Umbrella policies to cover you in the event of such a claim.

Call us today at 1-888-867-2866, e-mail, or request a Quik Quote!
For only 50 cents a day, you won't regret it!

Thank you to Mutual Insurance Company!

Tuesday, October 6, 2009

Energy Efficiency Improvements Tax Incentive

The $8,000 New Home Buyer Tax Credit (along with the Cash-for-Clunkers) may have dominated the headlines recently, but some energy efficiency Tax Credits offered by the federal government could be even more useful for the average homeowner. You may be eligible for a tax credit equal to 30 percent of the cost of materials (up to $1,500) for certain products purchased between January 1, 2009 and December 31st, 2010.

Click below for the rating specifications for eligible energy efficiency products or request the document from us:

Thanks to Prudential

Friday, October 2, 2009

PEMCO news release offers water-damage tips

PEMCO Insurance issued a news release October 1, that reveals Washington residents’ perceptions of the most-frequent causes of homeowner claims. The PEMCO Insurance Northwest Poll, conducted by FBK Research, shows that only 14% of people correctly identified water leaks as the leading cause of homeowner claims, while more than one-fourth incorrectly believe bad weather causes most claims. The news release also offers tips on how to prevent common leaks, such as with ice-makers, dishwashers, washing-machine hoses, and outdoor faucets.

CarMax Advises How to Avoid Flood-Damaged Cars

In the wake of recent flooding, CarMax, Inc., (NYSE: KMX), the nation’s largest retailer of used cars, is advising consumers on how to avoid purchasing flood-damaged vehicles.

"Consumers should be aware that some businesses and individuals may try to sell salvaged and flood-damaged cars without revealing the vehicle history," said Jason Day, Atlanta region vice president of purchasing for CarMax.
Flood-damaged cars that are not structurally or mechanically sound could be repaired, re-titled, and sold to unsuspecting buyers."

CarMax’s purchasing team offers these ten tips for identifying a vehicle with possible flood damage. If any of these signs are identified, ask further questions to determine if flood damage occurred:

  • Check for a moldy smell inside the car and feel the carpet for dampness
  • Be suspicious of an older car with a brand new interior or carpeting
  • Check for rust under the brake or gas pedals
  • Look for dirt or rust under the dashboard and floor mats
  • Inspect the bolts and screws under the seats for evidence of rust
  • Check the undercarriage for excessive rust
  • Check inside the trunk under the carpet and in the spare tire well area for rust, dirt or sand
  • Look for corrosion, water marks, or a thin brown line on the exterior of the vehicle
  • Check to see if the electrical system works
  • Check the VIN number with AutoCheck or Carfax to see whether a flood claim has been filed or a salvage title has been issued on the vehicle