Your grandparents love you. After all they let you have dessert before dinner, take you shopping and get you anything you want, and dote all over you. They even grab your cheeks and make cute noises. Okay, so maybe they don’t do that anymore (and if they do, you may want to have a nice chat with them), but they still love you unconditionally. Which is why you should celebrate them.
September 8th is National Grandparents’ Day and we have put together a list of ideas for you to use to celebrate with them.
- Make them breakfast, lunch or dinner. Just break out the yumminess, strap on an apron and give it your best. I know they would love whatever creation you come up with.
- Take them on a nice walk. Offer to carry the bag for them.
- You take them shopping this time.
- Take them out to dinner. The early bird special is delicious!
- Do chores around the house for them. Get into those hard to reach spaces.
- Ask them about their history. Everyone loves talking about what has made them the person they are today. You could find some rich family history by chatting up a storm with them.
- Make them a nice card. I know it’s cheesy to give homemade stuff but really, it’s what they love. I mean have you looked on their fridge decorated with your accomplishments?
This Grandparents’ day, make it special for them. Love on them and celebrate, after all they didn’t tell your mom that you spilled the grape juice on her new white outfit.
Content provided by Transformer Marketing.
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Everyone knows that homeowners insurance will cover any structural damage done to your home inside and out. Your roof gets hit by lighting and has damage? Homeowners insurance will cover it. A nasty storm knocked a tree into your kitchen and destroyed it? Homeowners insurance will cover it. But that’s not all homeowners insurance will cover. There are some surprising little known coverages in your homeowners policy. Such as:
- Any mandated upgrades. If an ordinance passed stating that all homes needed to have solar paneling, and you needed to get your roof fixed, homeowners insurance would cover the addition of the solar paneling. Check with your policy, because there generally is limits.
- Food replacement. Yup, that’s right, your homeowners insurance will replace any food that is no longer edible. Most policies will have a $500 limit.
- Are you getting sued for slander? Your homeowners insurance will defend and cover you.
- Did Marmaduke bite the postal worker? Your homeowners insurance will all damages associated with your pooch.
- Did your neighbor hit run over you with her bicycle? Some homeowner’s policies will cover your medical expenses. Homeowners insurance will cover a number of accidents similar to this. Scurich Insurance Services can help you navigate through the specificities of your policy.
- Rough winters. Rough winters can damage your pipes, the weight of snow on your roof can cause damage and other winter damages, can cause you to have to find temporary shelter with additional living expenses. Your homeowners insurance will cover your additional expenses.
To find out everything else that your policy covers, contact Scurich Insurance Services today.
Content provided by Transformer Marketing.
Source: http://www.bankrate.com/finance/insurance/things-your-home-insurance-covers.aspx#slide=1
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Labor Day falls on Monday, September 1st this year. In observance of the holiday, Scurich Insurance Services offices will be closed on Monday. We will reopen on Tuesday, September 2nd.
Not sure how you want to make the most out of your Labor Day weekend? Here are a few suggestions:
- Go on a nice long hike with your family. Some great hikes to go on? Meadow Trail Loop at Mount Madonna, Mt. Madonna Loop, or Sprig Trail and Merry-Go-Round Loop. Don’t forget to pack a picnic!
- Spend your time giving back. Volunteer at your local charity organization.
- Indulge your taste buds. Food festivals happen all the time and man do they have some delicious tasting treats for you. Go ahead and yum it up!
- Go fly a kite. Okay, so this doesn’t happen as much as it did in the past, but flying a kite is a lot of fun. Head out to the beach and take your kite with you.
- Go camping. In your backyard. Remember the good ol’ days, when you pitched a tent in your backyard and pretended you were camping. The thrill and excitement of it all? Get in touch with that inner child and camp.
Whatever you decide to do this Labor Day weekend, we hope it’s a fantastic one! Be safe!
Content provided by Transformer Marketing.
Sources: http://www.rd.com/slideshows/10-ideas-for-labor-day-family-fun/#slideshow=slide2 and http://www.everytrail.com/best/hiking-watsonville-california
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Getting into an accident is an inconvenience and there are certain states that don’t make it any easier. When you file a claim auto insurance rates have a tendency to rise. Did you know that if you file a claim for anything $2,000 and higher can cause your insurance to jump up to 40% in some places?
If you live in one of the places listed below, you could find yourself on the short end of the stick when it comes to rate increases.
- Massachusetts rates jump up 67% when claims are filed.
- California claims will get you a 62% increase.
- New Jersey has 59% increase.
- North Carolinians will see a 47% increase.
- Minnesota raises their rates 45%.
If you have a claim that is $2,000 or less and you can afford the repair, it would be better for your insurance rates in the long run to pay out of pocket than it would be to file the claim.
On the flip side of things, here are the states that have the lowest rate increases:
- Maryland with just a 20% increase.
- Alabama at 22%.
- Michigan & Wyoming both have a 23% increase.
- Oklahoma has a 25% increase.
If you find yourself in this situation, Scurich insurance services can help. Anyone of our friendly staff will be able to help guide you through this process.
Content provided by Transformer Marketing.
Sources: http://www.ibamag.com/news/5-states-where-you-dont-want-to-file-an-auto-claim-16616.aspx
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How do you decide how much coverage to purchase for your car? Do you go by the minimum requirements of your state or do you get as much as you can in case of a catastrophe?
Here’s what your average looks like for others who choose the coverage:
- 46% of drivers have bodily injury coverage is at $50,000 per person and $100,000 per accident.
- 59% of drivers have $50,000 worth of property damage liability coverage.
- 60% of the drivers have collision coverage.
- 61% of the drivers have comprehensive coverage.
- 74% of the drivers have a $500 deductible with comprehensive and collision insurance.
Are you still undecided about what’s the best coverage for you? Here are a few tips to consider:
- Did you know that doubling up on your liability insurance only costs a small fraction of what you’d pay now? A $50,000 policy doesn’t cost much more than a $25,000 one.
- Raise your deductible will get your bill lowered. The catch? You need to be able to pay the deductible before your insurance will kick in.
- Shop! Shop around for the best possible insurance for your needs.
Stop by our office today for more information on how to get the most out of your car insurance!
Content provided by Transformer Marketing.
Sources: http://www.moneytalksnews.com/2014/08/14/how-much-auto-insurance-do-you-need-dont-guess/
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It’s that time of year again when the chaos of the summer is coming to a close and the promise of schedules and school loom in the air. This also can be an expensive time of year if you aren’t prepared. Here are some tips that you can implement now so you don’t break the bank while shopping.
Does your child really need another pair of those jeans? Most of the clothes that the kids have can be worn over and over again, even the next school year. No need to buy a lot of clothes every year.
Go to the Dollar Tree or .99 stores for paper, notebooks, pens, pencils, Kleenex, and so on. These stores are great for getting essentials at a bargain price.
Don’t forget to write your list and check it twice. Studies have proven over time that when people go shopping with a list, they generally stick to it and it doesn’t cost them a lot more money.
Raid the home office. Finding old binders, notebooks, pens, pencils, and other essentials can be just as easy and inexpensive as heading to your own home office.
This year, stick to your budget by following these simple back to school shopping tips.
Content provided by Transformer Marketing.
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