Travel Tips for Your Electronics

Our electronic devices are all but impossible to separate from our lives and that can pose a tricky problem when we travel to new locations. 

Electronic devices are as much a part of our travel experience in our present day as passports, suitcases or swimming suits. But they can sometimes cause confusion and lead to issues which are time consuming, should a device be lost. Here are few airport tips on how you can safely travel with your electronics.

  1. Set a limit as to how many electronics go in each bag. The fewer there are, the fewer the chances are of losing one of the devices.
  2. Use a label maker to add your contact information should an honest person find them.
  3. Many smart devices have a feature which allows the phone to completely restart should it be stolen, make sure to turn this feature on before you leave.
  4. Another key feature which needs to be turned on is GPS location service. If lost, you can access its location through another device.
  5. Don’t forget to pack your charger. The last thing you want is to be stranded in a foreign country with no means of communication.
  6. Always password protect your devices in order to deter criminals from stealing your private information.
  7. Never put your electronics in checked bags. Baggage handlers do not always follow “FRAGILE” tags on bags and can break if one throws your bag onto the plane.
  8. Write down the manufacturer, model, cost, and serial number of all your devices in order to ease the insurance filing process.
  9. Use the hotel safe. If you are going to be water rafting or hiking, you don’t need to bring every single device because it may break if there’s an accident.

Contact the Business Protection Team at Stromsoe Insurance Agency for all of your commercial insurance coverage needs.

Stromsoe Insurance Referral Program March 2017 – And the WINNER is…

Mike Stromsoe and teammate Gil Coronado are ready to draw the next WINNER in the Inspiring Happiness in 2017 Referral Rewards Program!  The winner will be taking home a brand new Amazon Echo and a Donation to Your Favorite Charity Too!  Have your friends, family and co-workers call our team for a quote and YOU WIN – Call 951-600-5751 Today!

The Benefits of an Energy Audit on Your Commercial Property Insurance

The climate is changing and many individuals and companies are going green in an effort to save the planet, and there are actually some financial benefits as a cherry on top. 

Many people and businesses are changing the way they harness energy. Instead of relying on fossil fuels which produce greenhouse gasses, they are looking to renewable sources of energy like solar, wind, nuclear, and more. But if saving the planet and your grandchildren are not enough, we have some good news! There are actually financial benefits you can reap if you go through an energy audit on your commercial property insurance.

How an Energy Audit Can Save Your Small Business Money

A typical energy audit examines everything that consumes energy inside of a building, from lights to air conditioners. The ultimate goal of this audit is to find out how energy efficient your building is and if it is being used to fulfill your daily needs without waste.

An energy auditor examines and does a few things:

  • Takes a look at your last 12 months of utility bills.
  • Identifies the energy efficiency measures (EEM) you might take.
  • Asks questions about what happens in the building when it is occupied and empty.
  • Performs a walkthrough of your building to fully examine and assess the systems.

The audit can recommend energy saving tips, like switching to LEDs, which will save you money in the long-run. Insurance companies look kindly to those that are willing to invest in the future of the planet. Is an energy audit something you need to do?

Saving money while saving the planet is a no-brainer. Business insurance can give you the peace of mind that you deserve when it comes to the covered damages. Contact the Business Protection Coaches at Stromsoe Insurance Agency for all of your commercial insurance coverage needs.

What Driver’s Ed Doesn’t Teach Kids

Your teen’s driver’s ed is a good class for teens to learn and follow the rules of the road, but it doesn’t teach them everything they need to know about their car. 

Driving lessons are important because it allows for your child to understand the rules of the road and the nuances of your vehicle. But these driver’s ed often miss the mark when it comes to teaching our children about basic car maintenance and safety. Here are a few things every teen should know that driver’s ed does not teach them.

Importance of Tires

Vehicles can operate without a radio, seats, or even doors. But every on-road vehicle needs a good pair of tires to keep it going and get you from point A to B. Many new cars now come with sensors which alert the driver of deflated tires.
If your teen’s car is not new, they should check their tire pressure at least once a month to ensure that their tires are optimal. They should also know how to check the tread, which keeps the car under their control.

Check Fluids

You may already know about changing your car’s oil every 3,000 miles but every car has more than one fluid. Transmission fluid, brake fluid, coolant, and other fluids need to be checked and replaced / refilled when needed. A general tune-up should check for these fluids.

Emergency Roadside Kit

Every car needs to have these supplies to prepare for the worst.

  • First aid kit
  • Tire pressure gauge
  • Oil, brake fluid, and windshield washer fluid
  • Flashlight and portable radio with extra batteries
  • Jumper cables
  • Battery charging kit
  • Bottled water and non-perishable foods
  • Tool kit with wrenches, screwdrivers, and a hammer

The right auto insurance specialists behind you can give you the peace of mind that you deserve. Contact our knowledgeable team at Stromsoe Insurance Agency for all of your personal and business insurance coverage needs. We will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.

How to Review Your Homeowners Insurance at Renewal

Don’t assume that your current homeowners insurance will cover you at renewal because there may have been some life changes that require an update on your policy. 

Home insurance is a confusing policy to own. This is because policies are molded to fit the needs of the individual, so coverage can vary as widely, like the ravines of the Grand Canyon. If you have never read the entirety of your policy, it is time you do. Within this policy you will know everything you need to know. What happens if a meteor crashes into your home? What about a broken pipe and water damage?  Here are a few things you need to look at when it comes to reviewing your policy at renewal.

Contents – Content coverage is generally placed between 50 and 70 percent of your home’s value and helps pay to replace or repair your damaged belongings if they are affected by the covered damage. That means if you’re home’s value is $100,000, for example, coverage will range from $50,000 – $70,000.

Structure – How much would it cost to completely rebuild your home if it were utterly destroyed. When reviewing your policy ask yourself if you made any new renovations to the house. If you did, you should talk to your agent to update your policy to reflect your home’s new value.

Liability – Medical bills are costly and if someone injures themselves on your property, you will be liable. In order to be completely covered, you need to be transparent with your provider. Do you have a dog? What about a tree house or trampoline? These are all things your insurer needs to know in order to provide adequate liability insurance.

A properly reviewed home insurance policy will ensure that your home is protected against new covered damages. Contact Stromsoe Insurance Agency for all of your insurance needs today!