Tuesday, March 30, 2010

►► Earthquake Insurance ► ► Did You Feel Our Last 4.4 Quake !?!?!

California has now felt 4 earthquakes recently, all within the past 3 months actually. The most recent earthquake of course occurring on March 16th, 2010.  A major earthquake could still destroy billions in property and has the potential to financially ruin us if we are not protected.

Thankfully, nobody has been reported injured and there was very minimal damage in the Los Angeles area during the 4.4 magnitude earthquake.  The last quake was felt in Northern California on February 5th, 2010 and was a size 6.0.  A month before that there was a 6.5 magnitude earthquake that caused minor injuries and damage, but was still felt as far away as Oregon. Then of course, on December 31, a 5.8 shook Northern Baja California. 
 

 Are we the next big earthquake away from serious damage and loss?

We should ask our insurance agents if our homeowners includes insurance for earthquakes.  Most policies do not automatically include it, as it generally costs extra for that added security. If we do have it, very good of us.  Now the question becomes are we aware of our deductible? Will a loss attributed to an earthquake go unclaimed because we are unaffordable to afford our deductible? Beware, most companies do not allow us to purchase insurance for earthquakes endorsements or earthquake policies during or immediately following earthquake activity.

Diversified Insurance Services is interested in helping our friends find less expensive homeowners insurance with earthquake coverage in California. Diversified Insurance is represented by over 30 Top Rated Insurance Carriers helping you save time and stress by providing the best premium with the best coverage to protect your assets.  

For Quotes & Questions Contact Jason @
714-988-3325
jason@diversifiedinsurancequotes.com

Thursday, March 25, 2010

Do You Need Long-Term-Care Insurance ?


Do you really need Car Insurance? Only one in 24 cars is ever in an accident.  
Do you need Homeowners Insurance? Only one in 200 homeowners ever files a claim.

So let's go back to the our first question....Do you REALLY need Long Term Care Insurance?

The Answer will Shock You.....1 out of 2.....YES.... 50% of the Entire US Population, will need some form of Long Term Care  Insurance in their lifetime !

That's right! Half of the population will require some form of long term care; half of us! The US Department of Health and Human Services (HHS) says that of the people 65 years old today, 40% will require a stay in a nursing home of five or more years. Right now, nine million Americans are receiving long term care of some kind. 8,550,000 of them are in their community, with someone, like a family member, looking after them. That's because the average cost of a nursing home, right now, today, in the USA, is $75000 per year. Even worse, projections say that in twenty years, in 2030, there will be 23 million Americans getting long term care, and the cost of a nursing home will have risen to $300,000 per year.
Do you need Long Term Care insurance? Maybe your kids will take care of you, but the average cost of in-home care to the family is about an extra $40,000 per year. Can your kids handle that? Do you want them to? Maybe you are thinking about an assisted living outfit. That will run you about $47,000 per year.

Do you think you want to wait and sign up when you are 65? My good friend Scott told me all he wanted was enough insurance to get himself buried, until he had a heart attack at 54. Now he can't afford long term care because the insurance company wants so much more money due to his heart attack. So here he is, a high risk, and spending his nest egg for care, when he could have been covered. Medicare won't cover him, so he has to spend all of his assets, until he is determined to be indigent. Then he can go on Medicaid. He has to be broke to get coverage!
At age 45 he could have bought Long Term Care insurance for less than $900 a year. Now, he didn't, and he is uninsurable.

HHS says don't buy LTC out of fear, or emotionally. Fear of the unknown is the basis for all insurance, so you might disagree with them. However, fear aside, you can look at the numbers and make a rational decision. You need Long Term Care insurance if you plan to live a long time. Half of the population will need it, and the other half will not live long enough, whether through accident or heart attack or something that takes them quickly. If you are in the live long enough group, you should buy an appropriate amount early. If you are in the die quickly group, you probably only need a lot more life insurance, and a good travel agent.

For Questions & Quotes:
714-988-3325


www.diversifiedinsurancequotes.com

Sunday, March 21, 2010

Pinhole & Slab Leaks....What Every Homowner Needs To Know...

Please Click On This Link For Some Great Homeowner Info....Especially If You Own an Older Home !

Orange County Kitchen and Bath | Orange County Home Fashion | Orange County Remodeling

Please Contact our Office For a Discount Coupon....
And For Questions & Quotes.....
Diversified Insurance Quotes 
714-988-3325
www.diversifiedinsurancequotes.com 

Thursday, March 18, 2010

Identity Theft Protection with Diversified Insurance Services

Every twelve months you are entitled to receive one free credit report from each of the nationwide consumer credit reporting companies – Equifax, Experian, and TransUnion.  


This is an important part of preventing identity theft or catching it early.  Another way to be protected is with Identity Theft insurance.  About 1 in every 10 U.S. consumers has already been victimized by identity theft.  


What steps are you taking to protecting your identity?    


Diversified Insurance Services has been a leader promoting identity theft protection since 2001, when one of our own was victimized by ID theft.  Now all our homeowners are offered this protection with the introduction of Identity Fraud Expense Coverage. 


Wednesday, March 17, 2010

For the Dishwasher’s Sake, Go Easy on the Detergent


I Saw this Posting Online & It Made Me Think About Other Ways Within A Home We Can All Save Money, Extend The Life Span Of Our Appliances & Make Living A Little Easier....& In This Recovery Stage Of The Economy, Who Is Going To Argue With A Little Less Stress..... Enjoy !
Questions & Quotes Contact:
Jason @ Tele:  714-988-3325...Or...EMail:  jason@diversifiedinsurancequotes.com 
I’VE been writing on some weighty topics lately — too little money, too many choices, too few jobs. It’s time, I decided, to move on to some questions that haunt me almost every day.
How much soap should I put in my washing machine and dishwasher?
Do I need to do more for my dryer than clean that little pull-out lint catcher?
Should I rinse my dishes before putting them in the dishwasher?
Most of us learned how to use a washing machine or dishwasher in our parents’ house many years ago and haven’t really changed our methods, even though most appliances have evolved radically since then. We rarely, if ever, read the manuals when we buy a new one or glance through the instructions on the box of detergent or bottle of dishwashing liquid.
But because we’re probably using these appliances incorrectly, our dishes and clothes may not be coming out as clean as they could be. And we may also be damaging the machines.
Let me start with soap. The No. 1 sin, according to repair people and appliance experts, seems to be adding too much soap to washing machines or dishwashers.
“Nobody thinks they use too much soap,” said Vernon Schmidt, who has been a repairman for almost 35 years and is the author of a self-published book, “Appliance Handbook for Women: Simple Enough Even a Man Can Understand.” But apparently most of us are in denial.
Washing machines and dishwashers are made to use far less water now than older models and, therefore, need less soap. And detergents have also become increasingly concentrated. So a little goes a long way.
“Most people use 10 to 15 times the amount of soap they need, and they’re pouring money down the drain,” Mr. Schmidt said.
Following the instructions on the soap container is a good first step. Christina Saunders, a spokeswoman for Procter & Gamble, which makes Tide, Cheer, Gain and other laundry detergents, said researchers at the company did thousands of loads of laundry to determine the right amount of soap needed.
She said the caps were changed on liquid detergent containers a few years ago to make the lines specifying amount of soap needed for different size loads easier to see.
Mr. Schmidt, however, argues that depending on how hard or soft your water is, one-eighth to one-half of what is usually recommended should be adequate.
Too much detergent can make your clothes stiff and shorten the life of your machine. An excess of soap can also cause a buildup of mold and mildew, said Jill Notini, a spokeswoman for the Association of Home Appliance Manufacturers, a trade group.
With high-efficiency machines — which includes all front-loading machines and any top loader that specifically states that it’s high efficiency — it’s a good idea to use detergents specifically made for them, she said. The detergents usually have H.E. on the front of the container. But don’t expect to see a lot of soap action.
“If people see suds, they think their clothes are getting clean, but that’s wrong — it means you’re using a lot of extra detergent,” Ms. Notini said.
Here is Mr. Schmidt’s test to determine if you’re oversoaping. Take four to six clean bath towels, put them in your front-loading washing machine (one towel for a top loader). Don’t add any detergent or fabric softener. Switch to the hot water setting and medium wash and run it for about five minutes.
Check for soap suds. If you don’t see any suds right away, turn off the machine and see if there is any soapy residue. If you see suds or residue, it is soap coming out of your clothes from the last wash.
“I’ve had customers that had to run their towels through as many as eight times to get the soap out,” Mr. Schmidt said, who lives in Indiana. He offers other handy advice on his Web site, refrigdoc.com.
Too much soap is also a problem in dishwashers and can cause dishes and glasses to look filmy. Again, check the detergent container for recommended amounts — you definitely don’t have to fill up the entire soap container in the dishwasher.
Also, if your plastic items come out still wet, that doesn’t mean your dishwasher is not doing its job. Most dishwashers today emit less heat than the older models, so plastic doesn’t dry completely.
Loading the dishwasher right will also get your dishes cleaner. When I was growing up, apparently only my mother knew the right way to load. But since my mother can’t get to all your houses, Consumer Reports offers these much-needed tips on its Home and Garden blog. (Please don’t e-mail me if you disagree about these suggestions — like religion and politics, we all have our own views on this matter.)
¶Load large items at the sides and back of the dishwasher so that they don’t block water and detergent from reaching other dishes.
¶Place the dirtier side of the dishes toward the center of the machine for more exposure to spray.
¶Load silverware in the individual silverware slots most dishwashers now include. If you have an open basket, mix forks, spoons and knives to prevent them from sticking together.
Also, remove baked on food and large chunks, but for the most part, everyone I spoke to said prerinsing dishes before putting them in the dishwasher was not only unnecessary, it wasted thousands of gallons of water and could actually result in dirtier dishes.
“The soap needs something to work against to get the dishes clean,” said Lou Manganiello, who owns Household Appliance Service in Hawthorne, N.Y., and has been doing repairs for 23 years. For full disclosure, he has also ably repaired my appliances from time to time.
Now, on to dryers. I don’t happen to use those fabric softener sheets, but if you do, practice restraint, Mr. Manganiello said.
On the theory that if one is good, five must be better, people throw in a bunch of the sheets. Those liquefy when the dryer gets hot and can gum up the dyer, becoming “almost like tar and feathers,” Mr. Manganiello said.
Also, clean the lint below the removable filter. I bought an item at my local hardware store that looks like a bottle brush, but is longer, denser and has a kind of thin nose. It reaches down and removes lint you can’t get to otherwise.
And think about cleaning lint off the dryer where it vents outdoors.
Of course, the best way to extend the life of your dryer is to use it less often by hanging out your laundry on a clothesline when the sun is shining.
One last bit of advice on an appliance — your oven. Use the self-cleaning mode more than once a year — otherwise, so many food particles have built up that when they burn off, smoke will billow throughout your entire kitchen. But don’t clean right before a big holiday dinner, Mr. Schmidt advised.
That’s because the oven heats so high during cleaning that any weak part will give.
“If it’s ever going to fail, it will then,” he said. “Every holiday we get swamped with calls.”

Title:
For the Dishwasher’s Sake, Go Easy on the Detergent
Author:
By ALINA TUGEND
Publication:
The New York Times
Publisher:
The New York Times
Date:
Mar 13, 2010
Copyright © 2010, The New York Times Company



Tuesday, March 16, 2010

3 Health Insurance Blunders To Avoid

Common mistakes include opting for a cut-rate policy that can stick you with tens of thousands of dollars in out-of-pocket expenses.

Whether you're perusing your employer's open-season packet or weighing your options after getting a pink slip, you may be facing some critical decisions about health coverage. Avoid these three common pitfalls:
1. Focusing on premiums alone
A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of your insurer's network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs?
Many insurers are now charging co-insurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year.
Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.
2. Skimping on Coverage Limits
One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and low deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.
A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.

Questions & Quotes Contact Jason: 
Diversified Insurance Quotes 
714-988-3325
www.diversifiedinsurancequotes.com 

Wednesday, March 10, 2010

Insurance To Value: As Housing Prices Plummet, The Cost To Rebuild A Home Is On The Rise.


Insurance To Value: As Housing Prices Plummet, The Cost To Rebuild A Home Is On The Rise.


As homeowners across the country watch the values of their homes plummet, they may start to think that their insurance premiums should follow suit. Many people think it's simple logic:

Reduced market value equals reduced insurance premiums.

But many don't know the difference between market value and replacement value or understand that they don't often follow the same trend. In fact, even as home values continue their steep decline, the cost to rebuild a home continues to rise.

It's now more important than ever to remind homeowners that their insurance premiums are not based on the current resale value of their homes, but on the cost to replace them.
Residential construction is a world-wide industry impacted not only by the cost of materials, but also the cost of new technology, new building codes and regulations, labor and materials. Home construction costs rose sharply after Hurricane Katrina in 2005, as the demand for building materials, labor and energy outpaced the supply.

Prices continue to rise, according to recent statistics. Reed Construction Data estimates an increase of 4.2% on construction costs from 2007 to 2009, up from the 2.8% estimate from 2005 to 2007 for the same period. Marshall & Swift/Boeckh estimates a 1% to 2% increase on overall construction over the same time period, with higher increases in many metropolitan areas.

Several variables can contribute to the rise and fall of home prices, including: implications of the subprime lending crisis; foreclosure rates; new housing starts; housing shortages; and location. On the other hand, replacement cost variables can include material costs; fuel and energy costs; the cost and availability of skilled labor; and changing construction codes and standards.
When comparing the two, it's important to note that market value variables are mostly forward-looking perspectives with the impact yet to be fully incurred or determined. In contrast, the replacement cost variables exemplify costs that are impacting the housing market almost immediately.

Key factors that have contributed to rising construction costs during 2009 include:


* Fluctuating energy costs over the past year;
* Rise in the cost of skilled labor;
* Increased overseas demand for raw materials and building products;
* Varying profit margins from general contractors and their subcontractors; and
* Rise in framing lumber prices and wallboard.

Calculating replacement cost is not based solely on builders' costs, but also on many hidden costs that impact the industry.

Other factors: In a global market, the U.S. dollar is weak. Also, it's harder for construction companies to get loans. Many builders am going out of business, so there is less competition and a lesser need to compete on prices. Recent natural disasters, such as hurricanes along coastal regions, floods in the Midwest and wildfires out West, have contributed to shortages in materials and made it more risky to underwrite homes. The trend to build homes with environmentally-friendly materials, low-impact processes and ultra-efficient heating and cooling technology has added to the cost of building and repairing homes.

For Questions & Quotes Contact Jason @ 714-988-3325 or Jason@diversifiedinsurancequotes.com. Also Please Follow Us At www.diversifiedinsurancequotes.com, Facebook, & Twitter.

Sunday, March 7, 2010

Time To Review Your Homeowners Insurance Policy

"War and Peace." "Crime and Punishment." "The Sound and the Fury." All great books you've probably never read. If you're like most homeowners, you can add another unread title to your must-read list: Your Homeowners Insurance Policy. "So many people never look at it because their mortgage company pays their premiums," says Madelyn Flannagan, vice president for education and research at the Independent Insurance Agents and Brokers of America, or IIABA, in Alexandria, Va. An August 2009 IIABA survey found that at least 32 million U.S. households had ill-fitting insurance policies. Some were over-insured, others had major gaps in coverage. Fewer than 60 percent of respondents had performed "a comprehensive review" of their insurance coverage in the last two years, 16 percent had not done one since 2002, and 16 percent had never done one at all. (The remainder couldn't recall.) If you haven't peeked at your coverage since the Clinton era, you might suddenly find yourself reading a real-life thriller. For starters, there have been sweeping changes to the home, property and casualty industry over the last five years, stemming from the 1995 Hurricane Katrina. Robert Hunter, director of insurance for the Consumer Federation of America, says home casualty companies have also shifted more of the risk to consumers. Some companies now cap what they're willing to spend to rebuild your home but allow you to "buy up" additional coverage to protect against Katrina-esque skyrocketing rebuilding costs. Spiking liability claims for dog bites, mold and risky swimming pools and trampolines have caused further pullbacks in coverage for those hazards, as well. *** Renewal time is the best time to read your policy, review your homeowners coverage with your agent, and perhaps shop around for a better or cheaper policy. How can you tell if you've outgrown your homeowners policy -- or whether it ever fit to begin with? Here's what to look for before you renew your policy: Your homeowners policy, which is regulated by your state, features three main components: 1) Home (loss to structures), 2) Contents (loss to personal property), and 3) Liability Coverage. Home: Your policy usually covers structural loss caused by fire, theft, winds, accident, falling trees, water damage from broken pipes and even terrorism, based on the estimated value of your home. Typically not included (exclusions) under so-called "all risk" coverage are war, nuclear disasters, earthquakes and floods. Contents: The contents of your home are typically insured against loss, damage or theft for 50 percent to 70 percent of the estimated value of your home; that is, if you have a $200,000 home, your belongings, furniture and clothing would be insured for $100,000 to $140,000. Personal property not specifically excluded is often insured wherever it goes, even on vacation. There are often conditions and limits placed on loss of certain items such as jewelry, cash, furs, artwork, antiques and wine collections; to insure these for replacement value, additional coverage is usually available at a very affordable rate. But according to the survey, nearly half (47 percent) of respondents who owned valuable collections didn't own special insurance coverage for them. Liability: If your dog bites someone or someone slips and falls on your untended sidewalk and sues you, your liability coverage handles legal fees and judgments.
Here are some details to look for when examining your policy:
Replacement cost versus actual cash value: Most home policies today insure the contents of your house for actual cash value rather than replacement cost. What's the difference? Actual cash value means you'll only get what your 20-year-old sofa is worth today; with replacement-cost coverage, your policy will pay to replace it with a new one of like kind and quality. "All Risk" Versus "Named Peril" If your policy is written as "all risk," it means your home is insured for all causes of loss except those specifically listed as exclusions. If it's written as "named peril" however, you are only covered for causes of loss that are specifically listed in the policy. "You want 'all risk,'" says Pollan. "It's the broader of the two." Extended replacement coverage - Simply put, replacement coverage ain't what it used to be. Thanks in large part to Hurricane Andrew, if your house is a complete loss, most insurers will only compensate you for the home value on your policy and an additional percentage (usually 25 percent) for rebuilding overruns, not for the open-ended and often skyrocketing extra cost to rebuild in the high-demand environment of an Andrew or Katrina. Instead, you can "buy up" that extra coverage as an endorsement to your "replacement" coverage to fill in the gap in a worst-case scenario. Shop Around- Unhappy with rate hikes? Losing confidence that your insurer will be around when you need it? Shop around for a new policy. Although the insurance industry has not made it easy for consumers to compare apples to apples, many state governments have by providing easy-to-access buyer's guides where you can view your state's major insurance underwriters and compare features and prices.
For Questions & Quotes Contact Jason @ 714-988-3325 or Jason@diversifiedinsurancequotes.com. Also Please Follow Us At www.diversifiedinsurancequotes.com, Facebook, & Twitter.

Thursday, March 4, 2010

Insurance For Volunteers


Insurance for Volunteers
In the wake of the recent devasting 7.0 magnitude earthquake that struck Haiti there have been hordes of volunteers who have made it their personal mission to help the more than three (3) million people, a third of Haiti's population, any way they can.
With damage worsening as a result of aftershocks I started thinking about how important insurance for volunteers would be, especially during such a dangerous volunteer mission. When you're volunteering and helping those affected by catastrophes or even local volunteer opportunities you're selfless and only think about the ones who need your help.
You don't think about accidents that may injure.When volunteers have acidents--injure someone, get hurt themselves, or have an auto accident sometimes their own insurance is not enough to take care of the resulting damage. If you volunteer for a particular organization you can be covered by their commercial general liability policy and (in some states) workers' compensation policy. There can be problems with this approach, however.
Consider the following:-If a volunteer were to have a liability claim, the available limits of insurance under a commercial general liability policy would be reduced, leaving the organization itself with reduced protection. In addition, the claims experience also would be affected, which could resultresult in a rate increase. There are volunteer insurance programs that provides protection to the organization's available limits, and its claimsexperience.-The commercial liability policy has important exclusions - claims by onevolunteer against another and incidents occurring during travel between thevolunteer's home and place of volunteer service (workers' compensation policies also have the "travel" exclusion.
Volunteer insurance programs haveneither of these exclusions.-Regarding protection to volunteers who drive, the organization's own commercial auto policy often provides no protection. In this case, without the volunteer insurance program's excess auto liability coverage the volunteer would have to rely totally on his or her own insurance for liability. Even if volunteers are included as insureds, the organization would be sharingg its available imits of liability, and claims experience, in the event of a claim.
Organizations may provide up to $50,000 in medical expense reimbursement as a result of a covered accident at a cost of $3.75 per volunteer per year. In addition, up to $1,000,000 in personal liability insurance for $1.72 per volunteer per year. These coverages and others are available through the Volunteers Insurance Program (VIS).
Volunteers Insurance Service was established over 40 years ago to address the liability concerns that are shared by many volunteers, would-be volunteers and the nonprofit organizations that they serve. Your volunteer work is greatly appreciated. Be sure to check with your volunteer organizations regarding volunteer insurance.

Wednesday, March 3, 2010

National Flood Insurance Program extended | Business Insurance

National Flood Insurance Program extended | Business Insurance

Texting Banned for Drivers of Big Rigs and Buses


Transportation Secretary Ray LaHood announced Tuesday that text messaging by drivers of large trucks and buses has been banned.

Offenders could be charged with up to $2,750 in fines and penalties.
text-message-ban.jpg
Research has found that truck drivers regularly look away from the road when sending and receiving text messages, increasing the likelihood of an accident significantly. Some companies ban employees from texting while driving a company vehicle.
The National Safety Council estimates that 200,000 crashes are caused each year by drivers who are text messaging.
Nearly half of all states have banned text messaging while driving, and other states are considering similar legislation.