Getting into the Holiday Spirit!

Jingle Bells! Jingle Bells! Jingle all the way!

Now if that does not get you in the Holiday spirit, maybe hanging up your Christmas lights will. It is impossible to say "Bah Humbug" when you see a row of homes all decorated with twinkling lights. However, hanging lights is not as easy as it sounds. It takes time and planning to safely get your home decorated.

Bob Vila suggest everyone who hangs up Christmas lights, indoors and outdoors, work with a partner. However, if you cannot work with someone, make sure to follow a few simple safety tips to help ensure your safety when decorating for the Holidays.

  • Gather all supplies before getting started.
  • Check power strips and lights for any frayed or nonworking equipment.
  • Replace any broken or nonworking lights and equipment.
  • Unplug lights when changing bulbs.
  • Keep both feet flat on the ground.
  • Never stand on the top rung of the ladder.
  • Never extend beyond your normal reach.
  • Watch where you step and make sure all cords are secured.

Have a safe and happy holiday season!!

For more information about your homeowners insurance options in California, contact the Stromsoe Insurance Agency.

Holiday Shopping Tips

Holiday shopping can be a pleasant time to buy gifts for family, friends, coworkers and neighbors who have made your life more enjoyable throughout the year. Stay safe while you hunt for those last-minute bargains with these holiday shopping safety tips.

Make a List: To get the best deals on Black Friday or whenever you tackle your holiday shopping, be prepared. Create a list of what you want to buy and stick to a budget.

Compare Prices: The Internet is the best place to compare prices before your holiday shopping. Sign up with your favorite retailers to score extra discounts and deals.

Opt for Gift Cards: Don’t know what to get your Great Aunt Martha? Skip the hassles and purchase gift cards or give a monetary gift to hard-to-buy-for recipients.

Avoid Scams: If you plan to do your Black Friday or holiday shopping online, be wary of scams. A golden rule of online shopping is if it seems too good to be true, it probably is.

For more holiday shopping and safety tips in the Murrieta, California area, please contact Stromsoe Insurance Agency.

Thanksgiving Inspirational Stories

In a world where turning on the news often means tuning into the world’s daily dose of bad news, the Thanksgiving holiday has taken on an even greater significance. Thanksgiving is a time to celebrate with loved ones and remember all that you have to be thankful in our daily lives. For a certain World War II veteran, each year Thanksgiving is a special reminder of how his life was saved and provides the basis for his inspirational stories.

On Thanksgiving Day in 1944, a platoon sergeant in the Yankee Division under General Patton made the fateful decision to walk his entire platoon straight down a deserted road. Usually the sergeant would have had his men travel through the protection of the woods; but that day, something told him to keep walking straight. Upon reaching the end of the road he and his men turned back to look at the woods. Much to their surprise the trees were covered in signs stating, “minen” or mine in German. The platoon sergeant had saved his soldiers’ lives by choosing to follow his intuition and being thankful for a deserted road to travel upon.

As Thanksgiving 2013 approaches us, remember to pause and think of this man’s inspirational story. Perhaps you have moments in life, like the World War II solider, where you made a simple choice that ended up being a defining moment in your life. This Thanksgiving the Share the Harvest Dinner, hosted by Murrieta Mesa High School is proud to offer a chance for more defining moments. The Share the Harvest Dinner is a free community event; Thanksgiving meals will be provided to people in need. Canned goods, non-perishable food items, and monetary donations are all being accepted to support the community members who need them most.

To learn about additional local events, be sure to stay tuned to the Stromsoe Insurance Agency blog. Stromsoe Insurance Agency searches for the best insurance options, so that you can be protected year-round.

What type of Auto Insurance covers vandalism and damage to a car?

Since most states require drivers to have liability insurance, most people don’t worry about how they’re going to pay for car repairs when they are involved in an accident. Vandalism, however, is a different story. Comprehensive is the car insurance you need to cover car damage due to vandalism.

Comprehensive car insurance basically covers car damage that is not caused by an accident. This could include vandalism, water damage, fire, weather damage or even animals chewing on the wires. While comprehensive insurance is not required by law in most states, it is usually a good idea to have it, and it may be required by the bank if you have a car loan. There are limitations, of course, and each policy may have its own exclusions as well as its own deductible and limitation on payouts.

If you have any questions about whether or not you have the right kind of coverage to protect your vehicle from any kind of damage, including vandalism, it’s best to talk to an agent. Call the Stromsoe Insurance Agency with your questions today!

Everybody seems to be suing everybody else these days. What if someone sues my business?

Operating a business is hard enough without having to worry about the cost of defending your company against lawsuits. Suing a business is not at all an unusual occurrence. Every day, thousands of customers slip and fall in grocery stores. People get food poisoning when they are served tainted food in restaurants. Objects fall off tall shelves and hit people on the head. 

As a business, you never know when someone is going to get hurt and decide to sue. In order to protect against the very real possibility of lawsuits, every business that does not want to assume the financial risk, must have business insurance. 

Liability insurance, whether purchased under a separate Commercial General Liability policy or as part of a standard business owners policy, covers personal bodily injury, property damage, and advertising injury. In order for a plaintiff to be able to collect on a lawsuit, he or she must have been injured, in some manner, as the result of an act, or failure to act by the defendant (business).  

Business insurance will pay-out legitimate claims and also pay the costs to defend a business against lawsuits. Even frivolous lawsuits can be costly. To find out more about what kind of business insurance you might need, please contact Stromsoe Insurance Agency.

Can I drive my friends car without insurance?

Situations arise where you may need to drive a friend’s car on a temporary basis. Before you hop in the car, you will want to make sure that you are protected with the proper insurance coverage.

When you are driving a friend’s car, you are typically covered under their car insurance policy. This is because car insurance policies are typically based on the car and not the individual.

If you are planning on using a friend’s car, even for a few hours, it is important to make sure that you get in writing that you have permission to use the car. This will allow you to be covered under your friend’s auto insurance policy.

Just remember, that your coverage will only be what your friend’s policy includes. This means if your friend’s policy only includes liability coverage and not collision coverage, you will only have liability coverage.

In cases where you are driving a friend’s car for prolong periods of time, you may want to consider getting a blanket liability car insurance policy. This policy will serve as additional or supplemental coverage that will help cover any costs that may not be covered by your friend’s insurance policy.

Thinking of driving a friend’s car in the future? Make sure you have the proper coverage you need to protect yourself. Contact the Stromsoe Insurance Agency to discuss auto insurance policies that will protect you in the event of an accident.

I don’t have any major business assets. Why do I need insurance?

As a business owner, the first thought is finding insurance. Companies with millions of dollars in assets, such as inventory or machinery, need a specific policy to cover those items. Even if a business has no major assets, insurance is still needed, but for different reasons. 

Not all companies carry inventory. Instead, they offer a service. Individuals who operate a service oriented company need protection against various situations. For example, a plumber is working on a pipe in a person’s home and accidently breaks something else. This represents a liability for the businesses.

No matter what type of business a person has, liability business insurance protects them against loss when accidents and injuries to others may incur while on their property. This type of insurance also covers accidents and injuries related to the company business when an employee is on the clock but away from the office.

Business owners can contact Stromsoe Insurance Agency through their website or any of their social media contacts (Facebook, Twitter, LinkedIn, etc.), if they have questions regarding different types of insurance they may benefit from.