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Water, Water, Everywhere!

Posted on 3 December, 2018 at 17:30 Comments comments (10516)

Floods damage countless homes every year.  While major hurricanes like Havey and Florence generate a lot of press, flood damage is a problem for homeowners in most U.S. state.  And yet insurers generallly stay away from flood risks, with flood damage excluded under standard hoewoners policies.  One reason is that the damage can be so widepsread and extensive that it can be impossible to spead the risk adequately.  
Did you know Flood zones can change periodically?  If you live close to a body of water, a wash, a stream, a mountain with water runoff, or sandy soil areas where water does not soak up in flash floods, you should have Flood Insurance.  If you question whether the zone has changed and you now should be covered, please give us a call.  We have access to check updated flood zones.


Posted on 15 August, 2016 at 18:05 Comments comments (29690)

"If you want something you never had, you have to do something you've never done"


Posted on 3 August, 2016 at 18:40 Comments comments (3848)


Those who hug life to them, though they grow older, never grow old.  

       -Michael Gates Gill's Father


Posted on 25 September, 2015 at 13:15 Comments comments (3167)

This may or may not surprise you but Max, Bella and all their canine friends cause more than one-third of all homeowner insurance claims. This adds approximately $530 million a year to insurance costs.


The number of claims have decreased. However, the cost of the average claim from dog bites and other injuries from our furry friends is on the rise. This is according to the Insurance Information Institute. They found that dog bite claims nationwide decreased 4.7 percent in 2014, however the average cost per dog bite claim was up 15%. Since 2003 the average cost has risen 67% due to increased medical costs as well as the size of settlements given to plaintiffs and are still on the rise.


California continues to have the largest number of claims in the US and Ohio is second highest number of claims. Even though New York is third, it is registered as the highest average cost per claim in the country.


Other reasons for these increasing numbers is not due to just dog bites. Results are also from dogs knocking down children, cyclists and senior citizens - resulting in fractures and other injuries that increase the severity of the losses.


Victims and homeowner insurers are not the only ones paying for the dog bites. Workers compensation for the US postal Service costs about $3.7 billion a year.


It is not always a stereotyped dog that is the cause, pitbulls, etc. Experts have said that even normally docile dogs may bite when they are frightened or when defending their puppies, their owners or their food. The most dangerous though are those that suffer from poor training, irresponsible owners and breeding practices that foster viciousness.


If you are a dog owner, are you being a responsible owner? Are we as owners doing everything possible to prevent these accidents that may affect us physically and/or financially? If we truly love our precious pups and care about the well being of others, it is our responsibility to train our dogs and be more aware of possible harmful situations that can be prevented.



Posted on 25 August, 2015 at 15:55 Comments comments (3384)

"Do not give your past the power to define your future!"

-Danielle LePorte

The Value of Time

Posted on 19 August, 2015 at 18:25 Comments comments (10720)

Tomorrow's a myth-

Get busy forthwith!

Today is a fact-

Act, man act!


Posted on 3 August, 2015 at 15:55 Comments comments (3486)

"Remember the difference you make to those around you." 

Cyber Crime

Posted on 3 August, 2015 at 15:45 Comments comments (6494)

Is your business protected from Cyber Crime?

It can and does happen....

Make sure clients personal records stored on your computer are protected from online theft.   

"When it rains it pours!"

Posted on 31 July, 2015 at 0:45 Comments comments (451)

It can happen....  Do you have an Umbrella?

You know the saying "When it rains it pours!"   It can be taken in many different scenarios.   Do you have enough Insurance coverage for when it does "pour"?  What about you assets?  Your House, Your Car, Your Personal belongings, Your Physical well being, Your Family, Your business, Others? 

Do you have an Umbrella Policy to Protect You, Your Family, Your business when it does "pour"?  Umbrella Insurance is protection that goes above and beyond what your initial insurance coverage does.

No matter who you are or what level you are at in life an Umbrella Policy is highly reccommended and does not have much of an additional cost. Eix Insurance can usually improve your coverage at a lower cost.

Please call us for a review of your current coverage.

(760) 202-7711


Posted on 28 July, 2015 at 0:35 Comments comments (12078)

Have a successful week!