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Scurich Insurance Services - Blog

Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

My homeowners insurance covers that?

Author TonyScurich , 12/9/2013
Scurich Insurance Services, CA, Homeowners insuranceHomeowners insurance coverage can be tricky.  Some claims that one would think would be considered in the original homeowners insurance policy, are not (i.e. earthquakes, floods, etc.).   Here are a few of the possible scenarios that are covered: 1. The sky is falling! Chicken Little was onto something there.  If meteors or UFO’s fall from the sky and crash into your house, your homeowners policy will have “open perils” policies to protect you from anything that isn’t specifically excluded.  Falling objects are included in the policy.  So if Marvin the Martian crashes into your home, theoretically, you are covered. 2. The volcano is going to blow! We love the “open perils,” policies.  Should Dante’s Peak destroys your house, aside from tremors or earthquakes, your homeowners policy should theoretically, cover your loss.  Including if your house gets swallowed in a lava flow. If you live in Hawaii, chances are you will also have a state-run volcano insurance coverage that you will need to look into. 3. It’s a Stampede! We are being invaded by goats and cows!  The cows just ran through home but the goats came and ate our sofa, gnawed on our furniture and well, destroyed everything. Your homeowners insurance can over stampeding animals, as long as the animals do not belong to you.  The animals must be wild and not domesticated. 4. Your loved ones tombstones. Tombstones are a reminder of the loved ones we once lost.  However, there are pranksters that will deface and defile tombstones, especially around Halloween. Your loved ones tombstones are covered by your homeowners insurance. 5. The truly frightful Some homeowners policies will cover certain costs related to a murder, suicide or an unattended death in your home.  Not all homeowners policies have this option, best bet is to get a policy review and make any necessary adjustments. Give us a call today for a complete homeowners policy review. Content provided by Transformer Marketing.

 

Are you going to the Corralitos Festival of Lights?

Author TonyScurich , 12/6/2013
Scurich Insurance Services, CA, Corralitos Festival of LightsThe Corralitos Festival of lights kick off Saturday, December 7th at 10:00 a.m.  It's a family-friendly fun filled day and the best part?  It's FREE! The Corralitos Festival of Lights will feature a country kitchen, a "Baked for Books" bake sale, live music, bounce house and a petting zoo!  From 3:00 pm-6:00 pm, we will be serving a tri-tip dinner and have Christmas caroling! So come on down for some family fun! Where:  Corralitos Convention Center Date & Time:  Dec. 7th starting at 10:00 am Cost:  FREE! Kids:  Yes!  This is a family-friendly event for all ages! Content provided by Transformer Marketing.  

Yes, we offer that too!

Author TonyScurich , 12/4/2013
Scurich Insurance Services, CA, Our servicesScurich Insurance Services know that there is so many different types of insurance needs that everyone has.  Commercial insurance needs are different than personal insurance needs and of course specialties.  We also know that running around to different agencies for different needs is inconvenient, that's why we have such a large array of services that we can provide you with.  Look below and see just a few of the insurance needs we can accommodate:

Commercial Insurance

Commercial packages Business auto Workers Compensation Umbrella Directors & Officers Professional liability Employee practices liability

 Personal Insurance

Auto Home Umbrella Recreational vehicle Watercraft

Life & health

Individual medical Individual life Group Medical Group benefits

 

My homeowners insurance covers that?

Author TonyScurich , 12/2/2013
Scurich Insurance Services, Watsonville, CA, Homeowners InsuranceHomeowners insurance coverage can be tricky.  Some claims that one would think would be considered in the original homeowners insurance policy, are not (i.e. earthquakes, floods, etc.).   Here are a few of the possible scenarios that are covered: 1. The sky is falling! Chicken Little was onto something there.  If meteors or UFO’s fall from the sky and crash into your house, your homeowners policy will have “open perils” policies to protect you from anything that isn’t specifically excluded.  Falling objects are included in the policy.  So if Marvin the Martian crashes into your home, theoretically, you are covered. 2. The volcano is going to blow! We love the “open perils,” policies.  Should Dante’s Peak destroys your house, aside from tremors or earthquakes, your homeowners policy should theoretically, cover your loss.  Including if your house gets swallowed in a lava flow. If you live in Hawaii, chances are you will also have a state-run volcano insurance coverage that you will need to look into. 3. It’s a Stampede! We are being invaded by goats and cows!  The cows just ran through home but the goats came and ate our sofa, gnawed on our furniture and well, destroyed everything. Your homeowners insurance can over stampeding animals, as long as the animals do not belong to you.  The animals must be wild and not domesticated. 4. Your loved ones tombstones. Tombstones are a reminder of the loved ones we once lost.  However, there are pranksters that will deface and defile tombstones, especially around Halloween. Your loved ones tombstones are covered by your homeowners insurance. 5. The truly frightful Some homeowners policies will cover certain costs related to a murder, suicide or an unattended death in your home.  Not all homeowners policies have this option, best bet is to get a policy review and make any necessary adjustments. Give us a call today for a complete homeowners policy review. Content provided by Transformer Marketing.

 

Do you know Kim House?

Author TonyScurich , 11/29/2013
Scurich Insurance Services, Watsonville CA, Kim HouseKim House kim@scurichinsurance.com Born in New York, transplanted as a 5 year old to sunny California, Kim grew up in San Jose, attended Piedmont Hills High School, continued her education at San Jose City College and graduated from San Jose State University in 1975. She is married with one college age daughter. Kim has worked for Scurich Insurance for almost 8 years. Some of her passions are walking at the beach, especially Seacliff Beach, biking and swimming. She also enjoys gardening, home improvement (Kim prefers receiving tools instead of jewelry as a gift), stained glass and sewing. She belongs to Holy Eucharist Catholic Church and enjoys serving at the Salvation Army on Monday nights along with many others from Holy Eucharist Church. Content provided by Scurich Insurance Services

 

Happy Thanksgiving!

Author TonyScurich , 11/27/2013
Scurich Insurance Services, Watsonville CA, Thanksgiving turkeyAs another year of blessings, health, love, laughter and fun passes, we would like to give thanks on this special day. Thank you! Thank you for your confidence and loyalty. Thank you for your trust and friendship. Thank you for illuminating our year. We hope many more blessings are coming your way! Happy Thanksgiving. Sincerely, Your Scurich Insurance Services Team!

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer Image provided by Benjamin Wolfe

Electrical safety in the home

Author TonyScurich , 11/25/2013
Scurich Insurance Services, CA, electrical plugsTake care of your plugs.  Charging our phones, iPads and laptops.  Enjoying the big game on your flat screen television and a countless array of appliances for your parties. Electrical fires are bound to happen.  It is important that you should have your wiring inspected, especially if you live in a home that is over 10 years old.  Here are some other safety tips to help prevent electrical fires:
  • Get new electrical cords.  Throw out all the frayed, loose, or damaged cords.  Replacing these cords is a fairly inexpensive investment to protect your home from an electrical fire.
  • Make sure you run extensions cords in areas that are visible.  Do not run extension cords under carpets or across doorways where they can become a serious hazard.
  • Child proof your plugs.
  • Any electrical work should be done by a qualified, licensed electrician that has a good standing.
  • Add more circuits our outlets by a qualified, licensed electrician so you don’t need extension cords.
  • Use Instructions.  When plugging in an appliance in an outlet, follow the directions of the manufacturer.
  • Unplug appliances when not in use.  Having too many appliances in one outlet can overload the outlet.
  • Call your qualified electrician when you start noticing frequent problems with flickering lights, blowing fuses or if outlets and switches feel warm.
  • Make sure all lamps are away from flammable objects and are leveled.  Follow the appropriate wattage for each lamp.
  • You need to have ground fault circuit interrupters (GFCIs) in the kitchen, bathrooms, laundry room, basement and all outdoor areas.
  • You need to have arc-fault circuit interrupters (AFCIs) should be installed to protect your electrical outlets.
Feel free to contact our office today for a review of your homeowner’s policy. Content provided by Transformer Marketing.

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer

Homeowner’s Insurance Customers Happier With Local Agent

Author TonyScurich , 11/22/2013
Scurich Insurance Services, CA, Local agentsLast night there was a storm and some of the tiles came off of your roof. Which conversation would you prefer? 1. “Hi Mary, this is John Smith. Some of the tiles came off my roof last night.” “Oh I’m sorry Mr. Smith, yes that storm was really something, wasn’t it? We’ll get help to you right away.” 2. “All our representatives are busy with other customers. Your wait time is approximately 20 minutes. Please hold.” Customers have expressed their greater satisfaction when they have a local agent. A recent study measured the satisfaction of homeowners when they had to file a claim for damages covered under their homeowner’s policy. Local agents are known as the “personal insurance industry”.  Those who have to go through direct channels – typically online or by calling a call center- are much less satisfied with the results. Satisfaction is 50 points higher among customers who file a claim through their agent  than among those who file a claim through “direct channels” For the industry average, the call center experience fails to deliver the same level of service as an agent. Especially during times of hardship when someone’s house has been destroyed or their valuable possessions have been lost, it’s difficult for a call center representative to replicate the personal relationship customers get with an agent. California is subject to storms that can happen at any time.  Your home is probably your largest investment and surely you would like the best coverage and service for it.  Scurich Insurance Services is your local agent.  Why not call them today for a free quote and suggestions for what you need.  They will be ready to help you when you need it.

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer

We have a winner!

Author TonyScurich , 11/20/2013
Congratulations, Teddy Rico from Watsonville, CA!  You are the winner of our iPad promotion! Photos to follow! Content provided by Scurich Insurance Services

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer

Carbon monoxide: The Quiet Killer

Author TonyScurich , 11/18/2013
Scurich Insurance Services, Watsonville, CA, Carbon Monoxide When wood, coal, natural gas and gasoline burn carbon monoxide is the invisible gas that emanates from those fuels. Carbon monoxide is released when using gas in your cooking or heating, having a fire in the fireplace or grilling with charcoal.  Yes, even your gas dryer releases carbon monoxide.    People even die from carbon monoxide poisoning and in 2010,  fire departments treated more than 80,000 carbon monoxide incidents. Carbon Monoxide Prevention Contact a professional and inspect all carbon monoxide emitting equipment.  Make sure the equipment has unobstructed ventilation areas.  After a snowfall, make sure that vents are still clear. Grills should be used outdoors, not inside.  Do not use the stove to heat your house, don't run your car in the garage, yes, even with the garage door open. Make sure you have carbon monoxide alarms. CO alarms Just like fire alarms, carbon monoxide alarms should be in central locations.  Right outside of bedrooms and on every level of your house.  Test your alarm monthly, and replace as needed Read the entire article here. Content provided by:  http://blog.cinfin.com/2013/10/22/carbon-monoxide-dangers/

Scurich Insurance Services, Watsonville, California

Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer