As you may know, an insurance policy is issued for a limited time, and, at the end of that period, the insurance company renews the policy.
Renewal dates are
important times for insurance companies and policyholders. A renewal date is when a policy period expires and a new policy period begins. Renewal dates typically occur six months or one year after the policy began or the last renewal date occurred.
Policy Changes
- If the insurance company determines that the risk posed by the policyholder has changed, it may amend the policy, add restrictions or terminate coverage. General policy changes that affect all insured’s also take place at policy renewal.
Premium Changes
- A change in risk may also trigger a premium change at renewal. A policyholder who has not filed any claims may see a premium reduction, while a policyholder with several claims may see an increase.
Changing Policies
- If you find a better rate with another company or are unhappy with your company’s service, consider switching policies at renewal. You will avoid cancellation fees that may be imposed for mid-term cancellations.
Be sure to stay up to date with your current insurance policy. Not sure when you need to renew your policy? Simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666 and we will be happy to tell you.
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It’s Friday and Scurich Insurance Services would like to help you unwind for the weekend with this week’s joke of the week.
Four married guys go golfing on Sunday. During the 3rd hole the following conversation ensued:
First Guy: “Man, you have no idea what I had to do to be able to come out golfing this weekend. I had to promise my wife that I will paint every room in the house next weekend.”
Second Guy: “That’s nothing, I had to promise my wife that I will build her a new deck for the pool.”
Third Guy: “Man, you both have it easy! I had to promise my wife that I will remodel the kitchen for her.”
They continue to play the hole when they realized that the fourth guy has not said a word. So they ask him. “You haven’t said anything about what you had to do to be able to come golfing this weekend. What’s the deal?”
Fourth Guy: “I don’t want to talk about it. Let’s just say that the foundation for the new house is being poured next Tuesday.”
For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666.
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Information taken from: http://www.dmv.ca.gov/legacyplates/index.htm
“Effective January 1, 2013, DMV will accept applications for a series of three specialized license plates that replicate plates from California’s past. Motorists will be able to choose from a minimum of three styles: yellow background with black lettering, black background with yellow lettering, and blue background with yellow lettering. (AB 1658/Gatto)
Legislation introduced the California Legacy License Plate program offering vehicle owners the opportunity to purchase replicas of California license plates similar to those issued in the 1950′s, 1960′s, and 1970′s. The program requires a minimum of 7,500 pre-paid applications prior to January 1, 2015.
The program is intended, in part, to give classic car collectors a way to get plates that match the era of their vehicles, the analysis said. Legacy License plates can be ordered for any year model automobile, commercial vehicle, motorcycle, or trailer. The Legacy License Plate Program will not replace the current Year of Manufacture (YOM) license plate program.”
For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666.
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If you wanted to, you could build a panic room for protection from robbers or kidnappers. But what about protecting your belongings when you’re not home? Perhaps you really don’t want to install an alarm system — or maybe you do. Either way, here are some no-cost and low-cost tricks to make your protection more complete, and help keep your belongings away from thieves.
Outside Areas:
Begin with the landscaping, which is the first thing a burglar sees and the first thing he will assess. To make it harder for a burglar to hide and gain entry:
- Prune lower limbs from any big trees.
- Trim bushes so a person could not use one for cover.
- Move any decorative trellises away from windows or porch roofs so they cannot be climbed for second-floor access.
- Consider planting thorny bushes below first-floor windows, and be sure they are close enough to the house so that an adult could not wedge behind one to jimmy a window without getting scratched.
- Remove any trees or bushes beside exterior doors. They can hide a burglar from passing cars and they can also hide intruders from your sight when you answer the door.
- Make sure all ladders and tools are secure inside the house, not inside a garden shed.
- If your yard is dim at night, install the biggest, brightest lights you can afford for all entries to your house. Use them. Turn them on when you leave the house at night; set up motion detectors to turn them on when you are away.
Inside the Home:
Windows generally provide easier access for criminals than doors. Here are some window tactics:
- Buy special window locks at your hardware store for all first-floor windows and any second-floor windows accessible from a porch or garage roof. DO NOT hang the keys on clever little hooks or nails beside the window. Crooks know that one and will simply break a pane and reach around until they find the key (but be sure the whole family knows where the keys are in case of emergency).
- Don’t demonstrate the easiest window to enter by climbing in it. If a family member regularly forgets his or her key, consider leaving keys with a trustworthy neighbor for emergency use. DON’T CLIMB IN THE WINDOW EVER. Even amateur burglars can figure that one out, especially if they’ve seen you do it and figure the neighbors won’t notice.
- For sliding windows, use the same techniques as for sliding doors, below.
Some burglars like to enter like a guest, through the door. Here are some ways to discourage that sort of burglar:
- Make every entry door solid core wood or metal; hollow-core doors are easily kicked in. The door should fit the frame snugly, with no more than 1/8 inch between door and jamb. If the gap is larger, replace the door, or install a heavy-gauge metal strip available at the hardware store.
- Replace doors with decorative glass windows or panels. If that’s too expensive, install break-resistant plastic panes, or install a decorative grille over the glass.
- It’s unlikely, but if an entry door has hinges on the outside, rehang it with hinges inside. If that’s impossible, re-install it with pin-less hinges. Burglars can pop pins and take off the door to enter.
- Make sure locks on all sliding glass doors are sturdy. Then use a solid stick of wood or broom handle in the track of the closed door.
If you would like to obtain a new Homeowners insurance quote simply contact the professionals at Scurich Insurance Services located in Watsonville, California today at 800-320-3666, or fill out the form below!
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Taken from http://www.army.mil/article/71393/New_Year_s_Eve_Safety_Tips/
“New Year’s Eve is a night to have fun and celebrate the coming year. However, safety is a must when participating in the festivities. Whether you’re staying in and celebrating with friends and family, or you’re traveling to a party or city bash, following a few safety tips will ensure that you’re safe and sound when the clock strikes midnight, ringing in the New Year!
• Designate a Driver: If you are going to be driving New Years Eve, don’t drink and drive. If you have a friend who does not prefer to drink, make sure they take the wheel. You might even be on the water this New Years Eve. The person in charge of navigating the boat needs to be cautious, and this still applies to them! It is important to be safe on the water as well, so drink sensibly.
• Be Alert: Be aware of your surroundings and how others are acting. Stay away from those who are out of control and might cause harm. Taking preventive measures is key. If someone is really intoxicated, prevent them from trying to drive or leaving with someone they do not know. It’s important to keep an eye out for each other.
• Don’t Drive: If you don’t have to go behind the wheel, avoid it. More people will be driving under the influence on this particular night, so avoid a potentially dangerous accident by staying off the road. Otherwise, be alert and drive defensively. Most importantly, wear your seatbelt! Also, using public transportation is a wise option. If taking a cab is too expensive, crashing at a friend’s place nearby is a convenient solution.
• Stick Together: This way we can look out for our friends and family. Going out to parties and nightclubs means a fast-paced, crazy night; so be sure to travel in groups. Having a safety net around you in this environment is imperative.
• Monitor your Alcohol Intake: A majority of people will be drinking on New Year’s Eve, and there is nothing wrong with that. Just be sure to pay attention to how much you and others are consuming. Drinking too much alcohol can have lethal affects. Be responsible.
• Don’t forget about your pets! They are just as much a part of the family as everyone else. If you are using fireworks, anything with loud noises, or fire, be sure that pets are kept at a distance as well as children. None of these are a good mix.
• Be careful with open flames: If you’re burning candles, incense or oil burners, remember to extinguish them before you turn in or before you leave the room they are burning in. Pay extra attention to pets and children around open flames.
• Be extra careful with Fireworks: If you are letting off fireworks in a residential area, be sure to practice proper safety precautions when using them. Let off fireworks in a field or other open area where homes and power lines are out of site. Have a fire extinguisher nearby and never try to re-light a firework that did not go off when first lit. Also, be sure pets and children are at a safe distance from where fireworks are being ignited. Finally, always have an adult present when using any type of firework.
Everyone wants to have an unforgettable night (in a good way!). By simply using some common sense, we can keep it that way. Ring in the New Year safely!”
At this time Scurich Insurance Services located in Watsonville, California would like to wish you and your loved ones a safe and happy New Years. Just as a reminder our offices will be closed on Tuesday January 1st 2012.
Scurich Insurance Servicesdid not originally write this article.
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Its that time of the year again, and the staff at Scurich Insurance Services located in Watsonville, California would like to wish you and your loved ones a happy and safe holiday season. we will be closed Tuesday December 25th.
For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services today at 800-320-3666.
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