Are You The Next Winner In Our 2018 Referral Rewards Program?

Can you believe its time to draw the first WINNER in our ALL NEW Inspire Happiness By Making A Difference in 2018 Referral Rewards Program?!  We are so excited!! Mike Stromsoe, The Insurance Doc, and teammate Erica Gates will be drawing our next winner.

Drum Roll Please….

 

You could win a $100 Amazon gift card and a $50 donation to YOUR favorite charity just by referring others to Stromsoe Insurance Agency!! Thank you for all your kind referrals.  We couldn’t be more grateful!  Have them call 951-600-5751 and mention your name today!

What more can we do for you?

Gratefully,

Mike Stromsoe and the Stromsoe Insurance Total Protection Team

Our hearts are with all those affected by the California Fires

Our hearts and thoughts go out to all of those affected by the fires that continue to burn in all of California.

We mirror what the leadership of Cal Fire (http://www.fire.ca.gov/) has mentioned over the past few days.

1)      Life safety first

2)      Protect properties second

This week is also Fire Prevention Week, which helps remind us to prepare for times just like so many are experiencing right now.

Has your family set up a home escape plan in case of emergency? In the article “Every Second Counts – Plan 2 Ways Out”, you will find some helpful tips on how to make an escape plan for your family.  Creating a home escape plan is the most basic element to home fire safety.  It makes a difference between life and death in a fire situation.

http://www.fire.ca.gov/communications/communications_firesafety_firepreventionweek 

If there is anything we can do to assist, in any way, please contact us at:

Phone:  951-600-5751

Email:  insure@siaonline.com

Thank you for the opportunity to serve and protect you.  Please be safe!

 

Mike Stromsoe and the

Stromsoe Insurance Total Protection Team

Will My Auto Insurance Cover a Cracked Windshield?

What should you do when a rock hits and cracks your windshield?

It’ll happen to everyone at least once in their driving life. You’re driving behind a construction truck and a pebble will fall and hit your windshield like it knew exactly where you were going to be. Or, perhaps, you are parked under a tree and a branch falls off and it leaves a sizable crack on your windshield. What are you to do, and who’s going to pay for the damages?  Know if your insurance will cover you, and what you should do when a pebble or other rogue object hits your windshield.

What to Do, What to Do?

Rather than ignore it, you should inspect the crack to determine the severity of it. Will you need to get it repaired or go the whole 9 yards and get it replaced? If it’s a small crack, it usually just needs to get repaired and you can move on. If it’s too big, it may become life-threatening and you may need to get the entire window replaced.

The dollar bill comparison is a good way to tell what you’ll need: if a dollar bill is bigger than the crack, then a repair is the likely option. Anything bigger, and you should expect to get the replacement.

Does My Auto Insurance Cover the Crack?

If you have comprehensive coverage, then you are more than likely going to be covered. You’re probably going to have to pay a deductible for the following procedure. Meaning if your repair costs $499, and your deductible is $500, you’re going to have to pay for the repair out of pocket.

Your windshield is a crucial part of your car which protects you from the dangerous elements that lurk just beyond. For all of your auto insurance needs in California, including coverage for your windshield, contact Stromsoe Insurance Agency.

What Kind of Insurance Do I Need If I’m Going to Install a Pool?

If you plan to purchase a pool, it’s a good idea to know what kind of insurance you’ll need.

From Kiddy pools to extravagant in-ground aquatic wonderlands, all pose threats to lives and property and must be insured to ensure you’re not caught off guard. According to the CDC, over 3,200 people drown each year. And among children aged 1-4, most drowned in residential areas and had been out of sight for less than 5 minutes and were in the care of both parents at the time. When it comes to your pool—no matter the size—you should know what kind of insurance you need to protect yourself and your property.

Call Your Insurance Agent

Let your insurance company know that you have a pool, since it will increase your liability risk. Pools are known as an “attractive nuisance” because they’re things that are attractive for nearly everyone and everyone wants one, but can be and are extremely dangerous. Pool owners may want to bump their average homeowners insurance liability from $100,000 to $300,000-$500,000.

Umbrella insurance policies are also an extra option that you may want to consider. It covers you for those things that aren’t covered by your homeowners insurance, and are only about $200-$300 more a year. You’ll get $1 million in liability protection—which could come in handy if a you’re dealt a major lawsuit.

If this pool is expensive, or an in-ground extravaganza, you should have enough coverage to replace it in the event it is destroyed  by a storm or some other natural disaster.

For all of your insurance coverage needs to keep your pool safe this summer, contact Stromsoe Insurance Agency. We will work with you to ensure you have the coverage that you deserve, all at the right price to fit your budget.

The Three Hidden Costs of Owning a Small Business in Murrieta, CA

Are you aware of these three things which you may not have planned for when it comes to running a small business?

When opening a new business, you already know you will encounter expenses. You have probably already made a list of the things you need to get started, or even done an analysis of the revenue compared to your expenses. This is something that successful business owners do early, but there are some common expenses that are very often overlooked when it comes to small businesses. Below, we have listed some hidden costs that many small business owners fail to consider, which could hinder them greatly.

  1. Replacing Equipment. Inevitably it will happen, the motherboard will fry on your recently purchased computer, or manufacturing machine(s). Allocate the appropriate funds to cope with these unavoidable expenses in your budget now, and you won’t be sorry later.
  1. Web Designer Costs. If you are planning to do business online, or simply want an online presence to tell people about your goods/services, understand now how expensive paying a web designer is going to be. When you need to add content, you can expect to pay around $100 per hour, or more. There are other 3rd party resources which will help you combat these expenses.
  1. The Little Things. A lot of times it’s the details that make the difference. Things like desks, copiers, paper, pens, computers, accessories, electrical cords, etc. Even for the smallest of things like hand soap or window cleaner. Make sure that these things get fit into your budget.

When it comes to protecting your California business, having the right team of insurance experts behind you can give you the peace of mind that you deserve. Contact the experts at Stromsoe Insurance Agency for all of your commercial 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.

Learn How to Get the Best Deals on Your Summer Vacation

Planning for your summer vacation doesn’t have to be financially stressful.

Summer vacations mean school is out, and your family vacation has finally come! If you were smart, this trip means you can splurge because you looked for the best deals that were available to you when you booked your trip. If not, it sounds like you’re going to have to dig deep into your pockets for any change that may be lying in there somewhere. Planning a summer vacation doesn’t mean you have to have monetary anxiety. On the contrary. Planning a summer vacation can be easy with the proper, planning, and research. Here are 3 things you can do to get the best deals on your summer vacation.

  1. Time it Right – Hotel rates fluctuate with supply and demand, so it pays to go against the flow of other vacationers. High-peak vacationing happens between the 4th of July to mid-August. So planning on early June or late-August can mean better savings.
  1. Don’t leave empty handed – Before you depart, order the Entertainment Book or such other coupon books. These editions are packed full of discounts and attractions. You’ll likely recoup your investment within the first few days.
  1. Meals don’t have to break the bank – Dining at restaurants for every meal can add up real fast, so make restaurants a singular daily thing. Keep a cooler in your car and plan picnics at least once a day. Make sure to stay at hotels that offer free breakfasts to cut down on costs. And, when you treat yourselves to a restaurant make sure to go during lunch when costs are lower, and to make sure your restaurant offers a lunch special.

If you want to save money, contact Stromsoe Insurance Agency for that perfect summer vacation. As California insurance experts, we can help tailor your coverage to meet your exact needs – including your budget. For the best coverage at the best price, call us today!

What You Can Do to Be More Eco-Friendly for Earth Day

April 22nd is Earth Day: Learn how you can reduce your carbon footprint.

Earth is a lovely place. It sits at comfy in its orbit at 93 million miles from the sun, water can be liquid, our atmosphere has enough oxygen, and plenty of other things that make Earth great and habitable. Nature, for the most part, is always in perfect balance. So when there’s an external force acting upon nature, disruptions are bound to happen which can have an effect on species as small as plankton all the way up to the food chain to us humans.

For over 100 years, humans have been pumping greenhouse gases into our atmosphere without a care, and for over 30 of those years, scientists have been warning these corporations about the very real effect it’s having on the planet. Only recently have we seen strong efforts to reduce our emissions, and some have hope that if we keep our efforts the point of no return will be kept at bay. Here is what you can do to help our planet remain sustainable for human this Earth Day (and every day).

  1. Walk or Bike

If you’re going to be travelling to the grocery store or somewhere that’s within 5 to 10 miles, ride your bike to that place. Not only will it get your heart-rate going, but it will also keep CO2 emissions down. You won’t be the only one to ride your bike this day, so this effect will be multiplied world wide.

  1. Meatless in the Heat

Believe it or not, cows are actually among the leading contributors to greenhouse gas emissions as a direct result to our obsession with eating meat; their methane byproduct actually retains more heat than CO2. On Earth Day, make dinner that includes no meat products, and maybe make a permanent switch in your diet to go from eating meat 7 times a week, to only 6 times a week.

  1. Don’t Go With the Flow

If you absolutely need to take a shower in the morning, make sure it’s a short one! Play a song on your phone and try to finish before the song finishes—14 minute LCD Soundsystem songs are not encouraged. Water running uses a lot of precious water and even more fossil fuels to keep it running and to keep it hot.

No matter if you are looking to make your home, vehicle, or business more environmentally friendly, working with the right insurance professionals will help to ensure that you are receiving any discounts you qualify for. To learn more about the different ways your insurance policies are protecting you, contact Stromsoe Insurance Agency in California.

Sharing the Road: How to Best Avoid Hitting Animals

Sharing the road with our furry friends is something that we have to get used to.

Some roads are built right by forests where many deer, elk, and moose have roamed for millions of years. There was an estimated 1.25 million claims reported last year from such collisions, which shows no indication of a decrease—so we’re going to have to learn how to drive with them on the road. Here are some tips on how you can avoid hitting our mammalian friends and keeping your car deer-free.

  • Brighten the road. Using your high-beams could end up saving your car’s life, along with an elk or deer’s. Flicker the lights to spook the deer as they tend to stay fixated on your headlights.
  • Brake if possible. If you see the deer with plenty of time to brake, lightly tap on the brakes and honk your horn to alert drivers behind you and to possibly startle the deer. If there are no cars behind you, and you’re approaching quickly, slam the brakes.
  • Stay alert. Pay attention to “deer crossing” signs. If you see one deer, there are probably more around that area. And be vigilant during mating and hunting seasons. These seasons force animals to wander into the roads more frequently.
  • Avoid swerving. If a collision seems inevitable, it’s important to remember not to swerve. You could swerve onto oncoming traffic, or end up in a ditch.

If you have questions about the California car insurance or your growing number of drivers requires, don’t wait to contact Stromsoe Insurance Agency. We know that you already have enough to worry about with your new teen driver, and are here to making getting him or her covered easy! Protect your family, your vehicles, and your liability by calling us today.

4 Gardening Tips to Beautify Your Garden

Love to garden, or going to do it for the first time? These tips will help you be faster, cleaner, and more efficient.

Gardening can be fun if you know the proper techniques to see your garden blossom from tiny green leaves sticking out of the ground to full flowers, herbs, fruits, and vegetables ready to impress everyone on the block. Here are four great gardening tips that are sure to help your garden be the best garden on the block.

Create a non-stick shovel

Picking dirt off shovels is something no wants to do. Spray your shovel with a silicone or Teflon lubricant to make shoveling way easier. A good coating will make any kind of soil slip right off without a hassle.

Heavy pots don’t have to be heavy

Filling half of the pot with packing peanuts will significantly reduce the weight of your big pots. Just remember to put some landscape fabric to keep the soil from sinking to the bottom.

Blemish-free roses

When you plant roses, pruning is a must to keep the roses as open and as beautiful as possible. Pruning increases the amount of light that reaches the roses which will inhibit proper growth. Careful pruning will keep the moisture out, and will prevent black spots and other blemishes from ruining the petals of the flower.

Assist root-bound plants

The problem with potted plants is that the roots will eventually run out of room to grow, so they will begin to form tight circles in the pot. This can prevent water and essential nutrients from reach all parts of the plant—especially the leaves. To fix this, gently guide roots outward using your fingers. If they are especially tough, make cautious vertical cuts in the roots with a knife.

Contact Stromsoe Insurance Agency for all of your California insurance needs. Whether you are looking to insure garden or other parts of your landscape, we will be your one stop shop for everything insurance related! Allow us to provide you with summer insurance in California that allows you to enjoy your fun in the sun without a worry in the world.

Business Insurance Coverage Options

Business owners must do everything in their power to protect their organization. In doing so, you must have a comprehensive business insurance policy. With the array of coverage options surrounding business insurance policies, you may be wondering which you actually need and which are just wasteful. Gathered is a list of the basic coverage options your business needs to survive:

  • Business property insurance will provide the structure of your business, its inventory, and all business equipment with protection against a variety of covered perils. If your structure is affected by a damaging fire, your business property insurance policy will kick in to cover your business’ assets.
  • Business liability insurance allows you to receive peace of mind knowing nothing can bring your organization down. If someone claims that your product or service was not provided in the manner promised, your liability coverage will protect you from any lawsuits. Additionally, if a client is injured on your business property, your business liability insurance would provide you with legal defense and the injured client with medical expense coverage.
  • Worker’s compensation provides both employees and employers with a variety of benefits. Employers can rest assured that any injured or ill employees will receive medical expense coverage. This coverage extends to any injuries or illnesses that are caused by work operations.
  • Commercial auto insurance is a required insurance policy for any organizations that depend on the use of work vehicles for business operations. Some small business owners fail to realize that this is required even if your employees operate their own vehicles for work relations.

Contact Stromsoe Insurance Agency in Murrieta for all of your California business insurance needs. We understand that the various insurance options available for business insurance policies are complex and may seem confusing. Allow us to personalize a unique business insurance policy that will meet the exclusive needs of your organization.