According to the Life Foundation,
Brigette Hunter was just 27, and a new mother, when she was widowed. Her husband, Matt, was killed in a car accident. To compound her pain, she had to borrow money from her parents to pay for Matt’s funeral, as he had no life insurance.
Just six months later, friends introduced Brigette to Anthony. She wasn’t looking for a relationship, but Anthony was persistent. “He could sell snow to an Eskimo,” Brigette says. They married and soon opened their own electrical business. With the business and three children to support, the couple bought small life insurance policies. Lisa Rinehart, a financial professional, met them several years later, determined that they needed considerably more life insurance, and helped them through the buying process.
A year later, Anthony found a bump on his chin. He had recently walked through a spider web at a job site and assumed it was a bite. But it didn’t go away, and Anthony learned it was melanoma, a cancer he had battled as a teenager. It soon spread to his lungs, brain and bones.
Still wanting to provide for his family, Anthony invoked a provision in one of his life insurance policies that allowed for an early payout to a terminally ill policyholder, and used part of his death benefit to buy a nicer home for his family. He oversaw renovations and was able to spend a month in the house before he died at 34.
The remaining money from Anthony’s policies helped Brigette pay off medical bills and meet her household expenses. It also kept the business afloat. She could make payroll and pay vendors while she and her foreman reassured clients that the business would continue. “Without the money I would have had to close,” she says.
Scurich Insurance Services know that life insurance is a necessity for every family. Contact them today to see how a policy can fit into your budget. 800-320-3666
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According to the Insurance Journal, the California agency investigating a deadly pipeline explosion and the City of San Bruno are set to propose major fines they say Pacific Gas & Electric Co. should pay for its negligence leading up to the blast.
The City of San Bruno says the utility’s shareholders should pay no less than $1.25 billion for violations regulators say PG&E committed before the 2010 explosion.
City officials say that would let survivors know the California Public Utilities Commission is serious about preventing another pipeline disaster. The San Bruno blast killed eight people and destroyed 38 homes.
Commission investigators and consumer advocates will also file their own fine proposals Monday, and PG&E will file its proposal later this month.
A CPUC judge is expected to make a final decision about how much to fine PG&E later this year.
Scurich Insurance Services are very concerned about their neighbors and their safety. Contact them today to see how to protect your home and its contents with a policy that fills your needs.
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By Elissa Richard | Compass – Fri, May 3, 2013 1:49 PM EDT
The legendary Loch Ness Monster might have turned 80 this week, but one overly cautious cruise company isn’t convinced that she’s any less of a threat. While “Nessie” hasn’t reportedly harmed a soul—or ship—to date (or actually been proved to exist, for that matter), Scottish cruise line Jacobite Cruises isn’t taking any chances.
Should the octogenarian lake-lurker turn up crotchety while any of their fleet is in operation, it’ll be smooth financial sailing for them all the same, thanks to their recently purchased $1.5 million insurance policy against any potential damages incurred by Scotland’s storied monster.
Jacobite owner Freda Newton explained to The Scottish Sun, “I don’t know what the odds of this actually happening might be, but this is Loch Ness and how silly would we look if it did and we weren’t covered for it?”
No, there’s nothing silly about this cruise line, which operates several sightseeing cruises in the Scottish Highlands region, including trips on Loch Ness. Just look at the free publicity storm they’re brewing on the heels of the 80th anniversary of the first sighting of the mythical lake creature.
Director of Inverness-based insurer Towergate Moray Firth, which issued the policy, admitted to the paper that “This is probably the most unusual insurance request we have ever had, but we were delighted to provide cover to Jacobite Cruises.”
Scurich Insurance Services has the coverage you need for almost any situation from
Commercial Packages to Group Insurance. Call them today! 800-320-3666
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Those of us who live in California know well that we are in an earthquake zone. Earthquakes are an exclusion of most standard homeowners insurance policies.
What can we do to protect our valuables in case one happens in our area? Here are a few suggestions that will help protect our home and its contents:
- Use brackets to secure wall units, bookcases and other tall furniture to studs in the walls.
- Install shatter-safe window films in order to help prevent breaking glass.
- Store fragile expensive items in closed cabinets with strong latches, and use plastic putty to secure them to shelves.
- Repair any cracks in the ceiling or foundation as soon as you notice them, as earthquakes can cause these to rapidly worsen.
- Make sure your water heater is strapped firmly to the wall.
Buying the right home insurance policy is a powerful step in helping to protect the people and things you love. However, it’s important to know exactly which perils are and aren’t covered. Work with a licensed agent to learn more about the exclusions in your policy so you can take steps to prepare for any problem that comes your way. You have a substantial investment in your home. Scurich Insurance Services will be happy to help you to cover your assets! Contact them today.
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By Jacob Bourne
- Districted Driving Awareness Month was enforced twice as heavily in 2013 as it was in 2012 in Santa Cruz County. Santa Cruz County CHP Officers gave no warnings during Distracted Driving Awareness Month.
From April 1-30, local CHP officers gave out 1,272 citations for either talking or texting on handheld phones behind the wheel, Officer Sarah Jackson said via email on Tuesday.
Eight people were arrested from the 1,272 stops made on top of the citations.
In the same month in 2012, Santa Cruz County CHP officers wrote 619 tickets, just 48 percent of the 2013 total.
Although the awareness month has ended, enforcement will not. Santa Cruz CHP urges drivers to continue driving safely, or for many, to start driving safely.
“When you consider the potential loss of life, injuries, property damage, or fines, the message should be clear — it’s not worth it,” Jackson said.
Protect yourself from distracted drivers! Scurich Insurance Services in Watsonville has the auto insurance coverage you need to protect your vehicle and your person. Give them a call today.
800-320-3666
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If you rent all or part of your property to others, it makes sense to buy this special type of Homeowners insurance. A Landlord policy will cover damage to the building and your belongings, and protect you against potentially catastrophic legal and medical cost suits from lawsuits by people injured on your property.
If the property is mortgaged, the lender will usually require that you buy enough coverage to pay off the outstanding loan balance.
Above this level, you can tailor your Landlord coverage to your needs and budget in a number of ways:
Changing the deductible (which usually ranges from $100 to 5% of the building coverage).
Selecting the type of losses covered, by buying either “comprehensive” coverage – which pays for losses from all causes, unless specifically excluded – or on a “named perils” basis, which covers only losses from a listed number of causes.
Choosing the type of reimbursement – either “actual cash value” (the value of your property, less depreciation) or the more expensive “replacement value.”
Adding coverage to provide reimbursement for loss of rental income during a period when the property is uninhabitable.
Covering increased liability risks from dealing with tenants, such as legal fees, libel, slander, and discrimination claims.
In making your decision, assess the benefits of potential premium savings against the risk of paying for hefty classes.
Our Homeowners’ Insurance specialists will be happy to evaluate your situation and recommend a comprehensive, cost effective solution. Just get in touch with us at any time.
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