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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

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Posts tagged with fall - fall

Auto Insurance: Saving $$ In Your Golden Years

Author TonyScurich , 5/2/2016
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Your Auto insurance rates are based on a variety of factors such as your driving record, mileage, the car you drive and your age.

Rates are highest for drivers in their teens and early 20, tend to fall for those aged 30 to 60-something, and then start climbing again around age 70. Although drivers in this age range tend to drive less and are more mature, their vision and reflexes are declining. They're also more likely to be injured in an accident than their younger counterparts, and to suffer more severely because they're physically weaker. Also. They often drive smaller cars, which are more vulnerable to damage. Here are five ways that senior drivers can keep their Auto insurance rates affordable. :
  1. Update your mileage. You can get a discount of 5% to 10% if you no longer commute or drive long distances.
  2. Use a telematics device. A usage-based or pay-as-you-go Auto insurance program can reduce premiums by 5% to as much as 40%.
  3. Take a class. Most states require Auto insurers to offer "mature drivers" (who can be as young as 55) a discount of 5% to 15% for completing an accident-prevention course.
  4. Exclude a driver. In some states, you might be able to drop coverage on a driver who no longer gets behind the wheel.
  5. Make your car safer. Some insurance companies offer discounts for anti-theft devices, airbags and anti-lock brakes.
Bear in mind that drivers can use some of these methods at any age and save on Auto insurance by raising their deductible or reducing coverage. To make sure you get the protection you need at a cost you can afford, just give us a call.

Top 3 Insurance New Year Resolutions

Author TonyScurich , 1/9/2015
Comfort ZoneWith the new year comes the tendency to make resolutions that are designed to help a person address what they perceive to be as their own shortcomings. While resolutions such as "exercise more" and "lose weight" are often at the top of the list, these types of resolutions often fall by the wayside all too soon after the first of the year. The following insurance resolutions for the new year are simple to implement and can have long lasting effects. 1. Purchase Life Insurance This is a resolution that should be on everyone's list but it does not always seem to make it to fruition. Make 2015 the year you talk to your insurance agent and find the ideal life insurance plan for your circumstances and your budget. You'll rest easier at night knowing that your loved ones are taken care of and your assets are protected. 2. Take a Fresh Look at Your Homeowners Insurance Did you or a member of your family receive an expensive gift this holiday season? If so, you might want to take a look at the deductibles that you previously chose for your homeowners insurance. While a high deductible often looks attractive because it can make your payments lower, if it is too high it can be difficult to replace items that are covered unless you dip into savings or other monetary reserves. 3. Does it Make Sense to Bundle? If you have insurance with more than one company, you could be missing out on significant savings. Most insurance companies have a bundle plan that allows you to save money if you have more than one policy with them. Much like car insurance policies that give you a multi-car discount, bundling your insurances with one company can often allow you to enjoy savings on your policies.    

Time to winterize your pipes

Author TonyScurich , 9/29/2014
PipesYour homeowner’s insurance policy probably won’t cover any damage from your pipes if investigations prove negligence or poor maintenance.   We have a few tips for you to use to winterize your pipes this fall.
  1. For all outdoor watering hoses and sprinklers, disconnect them and drain out the water.  Store them in a dry place.
  2. Make sure your shutoff valve is working properly.
  3. Check for broken windows or cracks where your pipes are located.  If cracks and/or broken windows are found, seal them up to prevent your pipes from freezing up.
  4. Make sure heat can evenly circulate throughout the house, especially around the pipes and water meters.
  5. If you have interior pipes, wrap them up with insulation.
  6. Don’t close your cabinet door.  Leave the cabinet doors open that are home to pipes so the heat can get to them.
  7. You may want to consider allowing your water run a little slower this winter.  It may cost a little more on your water bill, but when you compare the cost of repair your pipes, you’ll find that it’s worth it.
This winter, make sure that your pipes are well maintained and taken care of.  For more information about your homeowners insurance policy, feel free to contact Scurich Insurance Services. Content provided by Transformer Marketing. Source:  http://www.mainewater.com/Customers//media/Files/Bill%20Inserts%20and%20Fact%20Sheets/Winterizing%20Tips.pdf

It’s apple picking season!

Author TonyScurich , 9/29/2014
 ApplesIt’s the beginning of fall and apple picking season is in full effect.  And the place to be is Clearview Orchards. Organic Fuji and Gala apples are specialties of Clearview Orchards, although they also offer a number of other apple varieties. Bring your family and your picnic basket.  Once you are done enjoying a picnic on our lawn, feel free to pick your own apples.  Other delicious items you can pick up at Clearview:
  • Honey.
  • Pumpkins (we have red, white, or pink)
  • Dried lavender
  • Apple cider
  • Apple pops
Want a getaway?  We can do that too.  We offer a luxury yurt that boasts such amenities such as a queen bed, a full kitchen, sofa, and full bath with shower.  The yurt is centrally located amongst lavender fields, flower gardens, avocado, and Fuji trees.  An array of wildlife including deer, coyotes, raccoons, and hawks can be viewed from the yurt.  This would be a perfect getaway for you and your partner looking for a romantic country getaway. What:  Clearview Orchards for picnicking and apple picking Where:  646 Trabing Road in Watsonville When:  Saturday and Sundays from 10:00 am-5:00 pm through Sunday, October 26th. Cost:  $2 a pound for apples Who:  Everyone! Content provided by Transformer Marketing. Sources:  https://www.airbnb.com/rooms/3111208?s=QpQT and http://www.clearvieworchards.com/index.html

Gutter problems

Author TonyScurich , 9/23/2014
In an earlier article, we discussed tips to get your home ready for the fall season.  These tips are important, so there could be no potential denial of coverage should you need to file a claim. In this article, we want you to know what happens when you don’t clean out your gutter and the potential damage it could cause.
  • GutterLeaking gutters.  On the extreme side leaky gutters can also cause leaky roofs, mold, and it can rot away at the surroundings.
  • Leaky roofs.  If your gutter is filled with debris, any rain, snow, or ice, won’t be able to go anywhere, causing a leaky (and expensive repair) roof.
  • Basement leaks.  Gutters usually end up at the foundation of the house.  If there is any damage to the run off, then the water can wind up in your basement.
  • Rotted Wood.  Some houses and/or foundations are made of wood.  If the gutter is not properly taken care of, the build-up will cause wood to rot.
  • Cracks in foundation.  Same principle as above.  Any debris left can create cracks in the foundation.
This fall, don’t let your gutter get the best of you.  Stay tuned for Scurich’s tips to clean out your gutter. Content provided by Transformer Marketing.  

Summer Party Liability Concerns

Author TonyScurich , 6/2/2014
Scurich Insurance Services, CA, Homeowners insuranceSummer is right around the corner, and with it comes a parade of graduations, barbecues, holidays and other gatherings with family and friends. Although summer parties are a source of excitement for most people, these get-togethers can also raise the risk of expensive liability claims.  Whether you are throwing a birthday party or hosting a Father's Day picnic at your home, you never know when an accident could occur. As more people enter your home, the risk of someone sustaining an injury on your property increases dramatically. For example, if you are operating a grill during a summer barbecue, your guests could be burnt accidentally. Likewise, if you own a pool, guests could injure themselves diving in, or they could slip and fall on the wet ground next to the pool. If someone sustains an injury on your property, they may file a lawsuit against you in order to recover medical expenses and/or lost wages related to the injury. If you don't have enough homeowners insurance coverage to pay the damages awarded to the individual in court, you will be forced to come up with the money on your own, which can lead to serious financial problems. In some cases, a large liability settlement could even require you to file bankruptcy or sell your home and other valuable assets in order to pay the amount you owe. If you are planning to host any parties this summer, review your homeowners insurance policy before you send out the invitations to ensure that you have the proper amount of liability coverage. If you discover that your coverage is lacking, consider investing in additional coverage to protect yourself against loss. If you aren't sure whether your policy provides sufficient coverage, consult our office for guidance.

Protecting your jewelry

Author TonyScurich , 3/17/2014
Scurich Insurance Cervices, CA,  Jewelry insuranceYou've spent hours, days or even weeks, making your jewelry choices -- not to mention paying thousands of dollars on your final purchase -- so why fall short when it comes to finding the right coverage for your jewels? Getting the appropriate protection is easy; you just need to understand what your Homeowners insurance will cover. The standard HO-3 policy provides only $1,000 worth of coverage for jewelry for THEFT ONLY.  For example, if your $6,500 engagement ring, a pair of $500 earrings ,and a $1,000 class ring WERE STOLEN, you would receive a reimbursement of only $1,000, not the actual value of $8,000. So be sure you're protected by extra insurance. The cost is minimal compared to the risk of losing expensive jewelry and being unable to replace it. You might consider a stand-alone policy that offers broader coverage than the typical Homeowners policy. For instance, an ALL PERILS policy and covers "mysterious disappearance" (when you lose jewelry and have no clue where it went); and "pairs and sets" (which buys you a new set of earrings even if you lost only one).  You can also schedule your jewelry on any homeowner policy. Keep in mind, your insurance company will require you to have a professional appraisal to set an objective value for your scheduled property, which might be significantly higher or lower than what you think it's worth! For more information on insuring your valued jewelry, please feel free to get in touch with Scurich Insurance Services. Content provided by Transformer Marketing.

Stop being a target for identity theft

Author TonyScurich , 1/13/2014
Scurich Insurance, CA, Identity TheftIdentity theft is moving a lighting speed.  Credit scores get destroyed, bank accounts and investments get heisted, and people's lives are ruined.  And it's so swift, it's practically unnoticeable until you get to the bank. Unfortunately, you may be giving the thieves everything they need to take everything you have.  Here are a few tips that you can start doing today to protect yourself from identity theft.
  • Log off all public computers.  Using the public library's computer is a good tool if you don't have your own computer.  But be cautious while you are using it.  Make sure you log off from all of your programs and applications.  Staying logged in may give the person who uses the computer after you, all the information they need.
  • Change your passwords.  Don't write your passwords out for everyone to see.  Keep your passwords in a safe location that only you know of.  Every so often, change out your passwords.  Hackers can get your information if you have a weak or the same password for everything.
  • You fall for phishing scams.  Phishing scams are commonly seen in your email.  You receive a notification from your bank telling you that you have a problem with your account, and they need you to sign in.  Don't fall for it!  Those are scams trying to get your information.  You may also find emails that say you're entitled to a large sum of money when some unknown relative in a distant country died and left you all of their fortune.  If you don't know this unknown relative, chances are they never existed, along with this large inheritance.
  • Get that paper shredder out.  Don't just throw out papers with your personal information on it.  Shred them.
  • Shop on secured sites.  Make sure when you do your online shopping the address starts with https://.  Make sure your anti-virus program is up to date.
  • Don't give out information over the phone.  If you get an unsolicited call from your bank or credit card company chances are, they are scammers.
  • Hold on to your belongings.  Keep your bag and your phone with you at all times.  It may seem like a quick  trip to the store and, "Why not?  I'll be out in a jiffy."  Problem is, it takes just a jiffy for thieves to break into your car and grab your belongings.  It's not worth it.
  • Don't text confidential information.  Your phone can easily be hacked by hackers.  Keep your confidential information off the phone.
  • Don't store your personal information on your computer.  If your computer gets stolen, so does all of that information.
  • Public WiFi.  Don't use public WiFi to do transactions.  It's never a good idea, your information is out there and ready for others to grab a hold of.
Keep your personal information safe and out of the hackers grasp.

Content provided by Transformer Marketing.

   

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.

 

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.