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

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.

 

California Auto Insurance Claims

Auto Insurance

Auto insurance plays an important role in society. It protects you from liability and covers the damage in the event of an accident.  Remember each auto insurance policy is different, and if you purchased your auto insurance online you may not have proper coverage. Claims will be paid based on your individual auto policy terms and conditions. Check out these interesting claims.

Auto insurance claims

  • A teenager drove the family van into the swimming pool; he pushed the gas rather the brakes.
  • An elderly man filed a claim after neighbors witnessed his wife drive through their garage door, through the living room and into their camper trailer, pushing it into the home’s septic tank, resulting in the entire carport collapsing.
  • A family was driving home from Christmas tree shopping, and they tied the tree to the top of the car. The tree flew off the top of the car and hit two other vehicles causing damage and injury.
  • One day, a dog discovered a raccoon in his owner’s garage. The dog scared the raccoon and caused him to climb to the nearest safe place– the roof of the dog-owner’s Lexus. While the raccoon and dog both suffered some damage, the biggest casualty was the Lexus. The entire body of the car was covered in claw and scratch marks, requiring a complete body makeover.
  • The owner of a 1961 Ford was working in the garage when his 10-point mounted buck fell off the wall and directly onto his precious car.
  • All these claims were subject to policy terms and deductibles.

Auto Insurance Coverage

According to III.org, Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability, physical damage and medical coverage.

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.

Are Your California Employees Driving A Company Car?

Here are a few examples of what can happen:

  • An employee uses the company vehicle to transport their child’s soccer team to a game.
  • An employee’s teenager takes your vehicle for a joy ride.
  • Your employee allows the neighbor to use your company vehicle.

We agree there may be good reasons to allow key employees to use company vehicles for personal use. However, we propose you consider these risk management techniques to help reduce your risk.

Consider the following:

  • Obtain proof of, and review, the motor vehicle records of the employee and all household drivers.
  • Complete proper training of the use of the company vehicle.
  • Complete vehicle safety inspections.
  • Complete drug and alcohol testing of all employees – including management.
  • Create driving standards and stick to them.
  • Do post-accident reviews.
  • Have annual MRV checks.
  • Prohibit cell phone usage while driving.
  • Only allow your employee and his/her household to drive the vehicle.
  • Require the employee never keep company property inside the vehicle, even if locked.

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.

 

Why Insurance Never Goes “On Sale”

A California Insurance Update

Personal insurance and Business Insurance will never go “on sale.”  You will never see a 25% off or black Friday deal on homeowner’s insurance.  Buy one get one free for auto insurance is not going to be part of the insurance buying process.  There is a very good reason for this.

The insurance industry is highly regulated by Federal and state governments.  It is designed to protect you from insurance companies going out of business. Insurance is designed to offer fair and consistent rates to all policy holders. The last thing anyone would want is to have an insurer hold a big sale, then not have enough money to pay claims.  In other words, there is no special pricing gun or magic wand used by insurers to come up with your premiums.

Key Issues around regulations

  • Brokers and agents are required to be licensed.
  • Rates, or “premiums,” need to fair and equitable to all.
  • Insurance companies need to be able to pay for claims well into the future.
  • Rates are approved by State Government.
  • Rates, or premiums, can vary based on the insurance companies’ ability to prove “actuarial sound” data to regulators.

What factors affect your premiums?

There are many different factors that insurance companies use to help them determine your final premium. These are important to understand, because you can use these to help you keep your premiums as low as possible.  These are used in personal insurance, life insurance, and business insurance.  This is not a complete list.

What you cannot control – Age, gender, and location.

What you can control – Driving record, value of your property, make and model of your auto, weight (life insurance) and claims history.

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.

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.

2017 Insurance Buying Tips

Now that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their personal insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one insurer to receive greater discounts.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.
  9. Be prepared to make adjustments as your lifestyle and needs change.

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.

Remember, Criminals Are Also Looking For Deals This Holiday

The Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are also out looking for ways to enhance their holiday take. While your personal insurance will most likely cover losses from theft, we thought it might be good to identify the most common holiday theft losses.

Now might be a good time to have us review your personal insurance. Stop in and have some coffee while we review your homeowner’s insurance coverage.

Theft From Vehicles

While you are in the store, criminals are in the parking lot looking for easy ways to get into your vehicle.  Keep all packages in the trunk; always lock your car, park close to the store, and in a well-lit area.

Home Burglaries

Home burglaries increase in December, due to people traveling and an increased number of easy targets.  When you leave your home, keep lights on, close your drapes, and never leave packages on your front porch.  Thieves will follow delivery trucks waiting for an opportunity to strike. Most online retailers send emails and text messages so purchasers know almost immediately when a package has been delivered.

Stolen Purses

When you are shopping, never leave your purse in the shopping cart, keep your purse closed, only take the credit cards you need, and leave other cards and documents at home.  Don’t carry a lot of cash and wait until asked to produce your credit card so a nearby thief can’t get your account information.

Identity Theft

Online shopping has become as big as direct shopping. Make sure to use secure websites and log off when completing any purchases.

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.

 

Are You Shopping Online This Holiday?

onkjCalifornia Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer experts predict an even bigger day.  However, this online activity is also a big day for cyber criminals.

We recommend that you have us review your personal insurance to make sure you have the right kind of insurance, including identity theft protection, to protect you and your family throughout the holiday season.

Holiday Cyber Safety Tips

  • Use a credit card rather than a debit card. It is easier to resolve issues.
  • Make sure your computer has updated security software. Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
  • Update your passwords and make sure they are strong. Do not use 1234 as your password.
  • Don’t open email advertisement for sources you do not know.
  • Use only familiar websites.
  • Check you statements to make sure charges are correct.
  • Always log out of websites after your shopping is complete. Cookies can often keep you logged into accounts even after you close the browsing tab, an obvious no-no.  Get in the habit of clicking the “log out” button.
  • Try not to do your online banking on the same computer you use to shop online.
  • An extremely important online shopping safety tip is to keep your personal information protected. No store needs your social security number or your birthday.
  • The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. If you use your smart phone to shop, make sure that you are only browsing safe, well-known sites.

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.

 

Sources – Protection one, CNET, Identity Hawk.com, and Tripwire.

Back To School Safety Tips For All California Students

bus-1319360_1920Personal Insurance and Safety Update

Summer vacation is drawing to a close and pretty soon the bells will be ringing to mark a new school year. We will soon start to see the signs of back to school time, including more school busses on the road, and back to school displays in the stores.  Now is the time to start thinking about keeping your child safe.  This is particularly true for kids going to school for the first time, or going to a new school.

  • Make sure your children know their home phone number, address, how to get in touch with their parents at work, how to get in touch with another trusted adult, and how to dial 9-1-1.
  • Remind your child not to walk, run, or ride his bicycle down railroad tracks. It’s illegal and dangerous.
  • Teach children not to talk to strangers or accept rides from someone they don’t know.
  • If your children walk to school, complete the walk a few times with them.
  • Make sure that your teen driver understands and obeys all traffic laws.
  • Bright colored clothing will make your child more visible to drivers.
  • Bike riders should always wear a helmet.
  • Children should always board and exit the bus at designated locations that provide safe access to the bus or to the school building.

Are You Driving In A School Zone?

  • In a school zone when flashers are blinking, stop and yield to pedestrians crossing the crosswalk or intersection.
  • Obey school zone speed limits.
  • Watch for kids crossing the streets.
  • Never text and drive.
  • Never pass a vehicle stopped for pedestrians
  • Follow all laws pertaining to school buses.

Sources; American Red Cross, D.A.R.E. and National Safety Council

We are a group of insurance professionals who care for each other both personally and professionally. We believe in putting your interests first in all situations. We view our clients as not only who we work for, but also who we work with. Just as you carefully select your insurance agent, we are selective in who we do business with. We strive to work with honest and professional individuals who understand the importance of being properly insured and protected.