SIgn up below to receive our monthly "Full Covereage" newsletter.


"Thank You for taking such great care of our family. You not only saved us several hundred dollars over our previous insurance carrier but also made sure all of our insurance needs were well taken care of. When our niece needed automobile insurance at the last minute to purchase a new car, not only did you take the time to patiently educate her about insurance but you also waited over 2 hours after your normal business hours on a Friday night to make sure that she was able to take her new car home that day. You are not only an outstanding, dedicated insurance agent but a truly wonderful person. We look forward to a long insurance relationship knowing that we have you looking after us."
Gillian and Brenda



"I just wanted to express, how very pleased I have been with all of you and your company throughout the years. All of your services provided to me were done very timely and professional. If I had any questions at all, one of you got back to me immediately. The customer service has been exquisite and I want to thank, every one of you, for your wonderful care. I realize that you sometimes had to go the extra mile for me and you certainly did it with a smile, courtesy and kindness. Your customer service has been impeccable. Thank you for being such a wonderful Insurance group and a fantastic team. "


« return to Article Archive

In the past few years there has been a plethora of natural and man-made events that have forced residents to evacuate their homes. Sometimes there is sufficient time to collect valuables; sometimes there is not.

With Hurricane Katrina, residents had a few hours to gather some possessions and flee; but they needed to prepare to be away for months – years in many cases.  On November 22, 2006, at 2:49 a.m., an explosion at a small chemical plant in Danvers, Mass., caused the immediate evacuation of hundreds of neighbors. There was no warning. Over a hundred homes were damaged; at least ten of them destroyed, along with businesses and a marina. There was no time to gather personal items.

Here in Southern California, wildfires and earthquakes are the more unpredictable of natural disasters whose possibility we live with everyday. Wildfires in particular have threatened thousands (and destroyed hundreds) of homes. Being prepared is more than just having good insurance, it's also about being proactive and ready for worst case scenarios.

What would you take with you if you had ten minutes to get out of your home because of a neighborhood disaster? Chances are very high that you would forget many important things in your haste to leave because you were not prepared. But you can be.

First, you need to make a list of what to take, and, for some items, where to find them.  Second, you should have an evacuation kit ("go-pack") containing as many of those items as is practical.  Third, the "go-pack" should be placed where it is most likely to be grabbed as you evacuate, such as in a hall closet, in the garage, or in the family car.

Each family has different needs and priorities. We have put together a basic list of recommended items that would be good to have with you under a wide variety of evacuation conditions. You can mark the list to denote what you want, perhaps divided into several classes, such as “must,” “should,” and “if possible.”  Or you can make your own list. In either case, don't forget to keep a copy of the list with your "go-pack" and check and adjust regularly based on your changing needs.

Download the basic "go-pack" list of items we recommend (PDF).

What else should you do?

  • If time permits, call a relative or friend and tell them that you are evacuating, to where, and how to get in touch with you.  Contact any family members that are not with you and establish a plan.
  • Since family members may get separated in an emergency, everyone should have a pre-designated place to meet, depending on the emergency, and an out-of-state person to call as a principal contact for every family member.
  • Turn of the main gas shutoff outside the building.  Consider closing the main electric circuit breaker if there is danger of flooding or fire.

If you have questions, would like more information about disaster (earthquake, business interruption, wildfire) insurance, or need advice on other insurance choices for your family, business or personal needs, please give our friendly customer service staff a call and they will be happy to help.

Many insurance companies offer identity theft coverage with various maximum limits and some with no deductible to cover expenses to clear up the havoc that identity theft can cause.

These costs can include costs of executing affidavits, lost income replacement (limitations apply), loan re-application fees, attorney fees, and even the cost of long distance phone calls.

Insurance companies also may offer additional free services to assist you in identifying fraudulent accounts, notify credit reporting agencies, help you file police reports, offer legal support, translation services, contact creditors on your behalf and many other helpful areas.

Also, some insurance carriers may offer free credit monitoring services that will be able to keep a constant watch on your credit report and alert you of any unusual changes to your accounts.