Vaught Wright & Bond
P.O. Box 1328
533 Main Street
Placerville, California 95667
Phone: 530-622-1835
Toll-Free: 800-652-0168
Email Us
CA Lic. #00448556

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Personal insurance

The Holiday Season Brings Risk Too

A Personal Insurance Update

November is here and that means the holiday season has started.  Over the next number of weeks, holiday activities will consume much of our time.  This is also the season when homeowners have insurance claims for fire, burglary, theft from vehicles, and even auto accidents.

Now may be the best time to have us review your personal insurance in order to make sure you have the individual coverage you need.

Shopping Safety Tips

  • Always be aware of your surroundings.
  • Put your shopping bags in your trunk.
  • NEVER leave car doors unlocked or windows open.
  • ALWAYS park in lighted areas. Do NOT park in remote areas.
  • Shop with a friend.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.
  • If you make expensive purchases, like jewelry or guns, call our office, as we may need to add these to your policy.

Christmas Tree Safety (provided by the NFPA)

  • Make sure the tree is at least four feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
  • Make sure the tree is not blocking any exit or door.
  • Add water to the tree stand daily.
  • Never use lit candles to decorate the tree.
  • Only used approved lights.
  • Connect no more than three strands of mini string sets and a maximum of 50 bulbs for screw-in bulbs
  • Replace any string of lights that has worn or broken cords or loose bulb connections.

Home Safety Tips

If you are planning a vacation during the holiday, here are few ideas to consider:

  • Get a security system.
  • Trim landscaping that is too close to your house.
  • Don’t advertise your vacation on social media.
  • Cancel mail and other deliveries.
  • Leave lights on when gone.
  • Have a neighbor check on your home.
  • Always lock your garden sheds and garages.
  • Use a variable light timer to activate lights inside your home.
  • Lock all doors and windows.
  • While you are gone, arrange for your lawn to be mowed.
  • Have adequate exterior lighting.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Is a Home Remodel Project in Your Future?

You may be looking for ways to improve your home in the near future.  Perhaps you want to upgrade your heating system, replace a leaky roof, or add on that sunroom you have always wanted.  Before you get started however, you will want to know how that remodeling project can affect your insurance needs.

Update Your Homeowners Insurance

Whether you are updating your kitchen or adding on another room, a remodeling project will likely add value to your home.  As a result, you will want to check the property coverage limits on your homeowner’s policy to make sure that they reflect any changes you make to your home, no matter how small or large the improvements may be.

If you hire someone to do the remodeling, you will want to make sure that he or she is properly insured.  Any contractor that you hire should have a certificate of coverage for both workers’ compensation and contractor’s liability insurance.

Require Your Contractor to Have Insurance

Workers’ compensation coverage protects you from liability claims that can result from a contractor (or his or her employees) getting hurt on the job.  Contractor’s liability insurance provides coverage for damage to your property caused by the contractor during remodeling.

If you hire a general contractor who is planning to hand off some of the work to a subcontractor (or if you plan to act as a general contractor yourself), you will also want to get a copy of the subcontractor’s proof of insurance.

Before jumping into a home improvement project, make sure that you are prepared in case an accident occurs.  If someone helping you on a remodeling project is hurt, his or her injuries could be covered under the liability portion of your homeowner’s policy.  You may also want to look into a personal umbrella liability policy, which provides coverage beyond your regular homeowners insurance and is especially important if you have significant assets that you need to protect.  It is imported to check with us to make sure you are covered correctly.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Is a Home Remodel Project in Your Future?

You may be looking for ways to improve your home in the near future.  Perhaps you want to upgrade your heating system, replace a leaky roof, or add on that sunroom you have always wanted.  Before you get started however, you will want to know how that remodeling project can affect your insurance needs.

Update Your Homeowners Insurance

Whether you are updating your kitchen or adding on another room, a remodeling project will likely add value to your home.  As a result, you will want to check the property coverage limits on your homeowner’s policy to make sure that they reflect any changes you make to your home, no matter how small or large the improvements may be.

If you hire someone to do the remodeling, you will want to make sure that he or she is properly insured.  Any contractor that you hire should have a certificate of coverage for both workers’ compensation and contractor’s liability insurance.

Require Your Contractor to Have Insurance

Workers’ compensation coverage protects you from liability claims that can result from a contractor (or his or her employees) getting hurt on the job.  Contractor’s liability insurance provides coverage for damage to your property caused by the contractor during remodeling.

If you hire a general contractor who is planning to hand off some of the work to a subcontractor (or if you plan to act as a general contractor yourself), you will also want to get a copy of the subcontractor’s proof of insurance.

Before jumping into a home improvement project, make sure that you are prepared in case an accident occurs.  If someone helping you on a remodeling project is hurt, his or her injuries could be covered under the liability portion of your homeowner’s policy.  You may also want to look into a personal umbrella liability policy, which provides coverage beyond your regular homeowners insurance and is especially important if you have significant assets that you need to protect.  It is imported to check with us to make sure you are covered correctly.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

September is National Preparedness Month

Disaster Preparedness

Our thoughts and prayers continue to be with the people of Houston. Hurricane Harvey caused over 75 billion dollars of damage. While this is fresh on our minds, let’s get prepared for the unexpected.  This could be a flood, hurricane, earthquake, wild fire, or any other event that causes damage to our homes.

Remember, your homeowners insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insurance review.  Here are some things you can do right now.  Ready.gov has provided many good resources.

Basic Preparedness Tips

  • Know where to go. If you are ordered to evacuate, know the local evacuation route(s) to take and have a plan for where you can stay. Contact your local emergency management agency for more information.
  • Put together a “go-bag” or disaster supply kit should you need to evacuate, including a flashlight, batteries, cash, first aid supplies, medications, and copies of your critical information.
  • If you are not in an area that is advised to evacuate and you decide to stay in your home, plan for adequate supplies in case you lose power and water for several days and you are not able to leave due to flooding or blocked roads.
  • Make a family emergency communication plan and review it regularly with members.
  • Many communities have text or email alerting systems for emergency notifications. To find out what alerts are available in your area, search the Internet with your town, city, or county name and the word “alerts.”
  • If there is a chance of flash flooding, move immediately to higher ground.
  • If floodwaters rise around your car but the water is not moving, abandon the car and move to higher ground. Do not leave the car and enter moving water.
  • Avoid camping or parking along streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.
  • Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.
  • If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and explosions.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

More resources for you

www.ready.gov

Download FEMA App

You Just Got Sued For A Social Media Post

A Texas jury has awarded a wedding photographer more than $1 million after determining a newly married couple unhappy with her work launched a social media campaign to post falsehoods about her. The Dallas County jury found Friday that the campaign against Andrea Polito amounted to defamation. The jury unanimously found the couple acted of out malice in targeting Polito in the months after their October 2014 wedding. (AP) Read article.

Does Your Homeowner’s Insurance Cover Social Media?

Social media has changed how we communicate with family and friends. Technology has made it so that anyone can have their voice heard and their comments recorded for posterity.  Among the greatest contributors to this revolution are your teenagers…and you can be held responsible for their actions.

What Kind Of Personal Insurance Claim Can Come From A Social Media Post?

Recently, a 16-year-old student sued five classmates and their parents for online harassment. Whether or not the allegations are true, the teenagers and their parents required legal resources to defend themselves for the possible judgments against them.

What Does Homeowner’s Insurance Provide?

Most people assume their homeowner’s insurance will cover any kind of claim that comes from social media content. However, you need to have personal injury coverage as part of your homeowner’s insurance policy. If you bought your insurance online you may not have this coverage.

Personal Injury coverage is an optional endorsement on the standard homeowner’s policy that provides protection for libel, slander, defamation of character, false arrest, malicious prosecution, and wrongful eviction. This coverage is also provided by most umbrella policies.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Stay Safe This Summer

California Personal Insurance Update

With the summer months approaching, now would be a great time to review your homeowner’s and personal insurance program.  There is a large spike in auto accidents during June through August.  We offer a free review to assess your insurance needs, and we can recommend needed personal insurance coverage like a personal umbrella, cyber liability, and flood insurance.  Summer Risks Are Very Real.

Here are a few of the risks your family may face this summer:

  • Watercraft — Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy.  Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat.  Venture beyond the geographic limits in the policy and the insurance may be nullified.
  • Travel — If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.
  • Swimming — Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.
  • Bug Bites — If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off!  Deep Woods) for protection against mosquitoes, ticks, and other bugs.  Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.
  • Barbecuing — Never leave a barbeque unattended. Do not barbecue inside or in a garage.  If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.
  • Sunburns — Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.
  • Heat Stress — You may be having fun or working in the sun, but if it is hot, keep hydrated by drink plenty of water. Wear lightweight clothing and take breaks every hour or so.
  • Fire pits — Fire pits are becoming increasingly popular for outdoor entertaining. While some burn wood, others use propane or natural gas.  Keep kids at a safe distance and teach them that fire pits stay hot long after the flames go out.

Remember to always seek medical treatment if the injury warrants it. At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Auto Insurance for the High-Risk Driver

An Auto Insurance Update

Are you a high-risk driver?  Incurring too many accidents or violations on your driving record can have a negative impact on your auto insurance coverage rates.  High-risk drivers do have options, and we certainly do not want you to go without auto insurance.

Find the right auto insurance company

Insurance companies differ in what they are willing to insure. It is important to shop your insurance with us to make sure you find the best possible combination of coverage, price, and service.  Some insurers will charge much higher rates if you have a record of accidents or violations.  We know the insurers that are willing to take high risk drivers.

Make sure you have the basic auto coverage

We can design a policy for you to help you minimize the high cost of insurance. We recommend auto liability and physical damage coverage. Whatever you do, do not go without auto insurance as that can create many more problems for you.

Many people don’t fully understand what their auto insurance policy covers and excludes. To avoid making costly assumptions, it pays to know what’s included in your policy. We are here to help answer all your insurance questions.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Summer Vacation Safety From Vaught Wright & Bond

As the summer vacation season approaches and thoughts turn to fun in the sun, getting on an airplane or even camping. Remember your homeowners insurance will cover your personal property while on vacation. If you plan on traveling to a foreign country, call our office for an insurance review.

Here are some tips to protect your data from prying eyes so you can have one less thing to worry about on your vacation.

  • Don’t post on social media until you return.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home. It is a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Be aware of any travel and health alerts at your destination
  • Write out a schedule and give it to a family member for safety purposes.
  • Make copies of all of your credit cards, important identification information, including your medical insurance cards, and your traveler’s checks.
  • Look for deals. You can find websites all over the internet that can help you score deals on hotels, amusement park tickets, airline travel and so on. Make sure you look for bargains after you set the budget.
  • Put inside and outside lights on timers.
  • Advise your alarm company and local police if you will be gone for an extended period.
  • Stop the paper and garbage service.
  • Don’t take expensive jewelry with you. Jewelry can get lost or be a target for thieves.
  • Never put your home address on your luggage tags. Write your phone number instead.
  • If you are traveling to a foreign country remember to study up on laws and customs. You will have a much better time if you understand the culture.
  • Make sure all electrical appliances are turned off.
  • Before you leave for vacation, you may decide to close your curtains to prevent people from peering inside your home to see whether you’re there. However, closed curtains also stop those who aim to help the police, your neighbors or friends from seeing inside your house

Now go and have a great time!  Call us today and let us help protect what is important to you. Remember to always seek medical treatment if the injury warrants it. At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

 

 

Homeowner’s Insurance or Home Warranty?


Home warranties are offered by many companies, mostly during the selling process. Typically, there are two types of home warranties that people will purchase for their homes.  The first one covers any major systems or repairs for the first year, and the second is an annual renewal type contract which continues to keep the coverage active. See more

Homeowner’s Insurance

This is an insurance policy to protect your home and personal property from damages as result of a fire, wind, storm, or some other act of God or covered activity.

Home Warranty

A home warranty, on the other hand, is optional and typically covers the costs for repair or replacement of the electrical, plumbing and HVAC systems as well as major appliances like the refrigerator or oven.

Home warranty protection usually offers repair or replacement of a specific item for a specific period of time.

Even if you secure a home warranty policy, we recommend that you also have a homeowner’s insurance policy, as there are limitations in home warranty products.  If you have a mortgage, homeowner’s insurance is generally required by your mortgage company.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

California Auto Insurance Claims

An California Insurance Update

Advancement in technology minimizes your risk and lowers your cost of insurance.  Your personal insurance is part of a new wave of technology that is taking the country by storm.  The insurance industry calls this the “Internet of Things” (loT).  There are many good articles relating to this issue and we have provided a few links: The Internet of Things: Groundbreaking Tech with Security Risks and Insurance 2.0 is a Game Changer.

The ways in which technology helps your business can be defined by one word, “Connectivity.”  We are all connected in so many ways now, and this can help reduce your risk.  “For example, the sensors in smartphones and smartwatch devices are already helping healthcare providers to diagnose illnesses and monitor wellbeing.  Black box telematics in cars can assist insurers in informing policyholders how safe their driving is and helping shape their insurance rates.”  (www.welivesecurity.com, by Editor.

Ways in Which loT Helps You

  • Smart devices are connecting your homes in dozens of ways, including home security, heating, lights, and appliances. These allow you to manage your home from anywhere, and detect a fire or other hazard.
  • Automated claims systems are able to help your business analyze employee injuries, which leads to the development of advanced safety programs.
  • Using smart vehicles allows employers to monitor commercial drivers, which can lead to safer drivers.
  • Parents are able to use smart devices in personal autos to monitor teen drivers. Some auto insurance companies are offering these devices as an incentive to lower premiums based on actual driving indicators.

We represent the best insurance companies; these include Hartford, Allied Insurance, Travelers, CIG, State Fund, Safeco, and many others. Without proper guidance, commercial insurance for your business can be a nightmare. No two businesses are alike. At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.