Licensed Insurance Agents Wanted

Douglas Motz Insurance Agency is looking for licensed insurance agents. Applicants must hold a current license in the State of California for either
Life and/or Property Casualty.
Please call Doug @ 760-200-0270.

Merry Christmas!

May your Christmas be filled with peace, joy, and happiness.

Many Blessings from Douglas Motz Insurance Agency!

Merry Christmas Eve from Douglas Motz Insurance Agency

Fresh Tomato & Sausage Soup

Summer, Winter, Spring or Fall, this one’s good for all.

Everything You Will Need:

4 cups of chicken broth
4 cups of fresh, ripe tomatoes
(peeled, seeded and chopped)
1 cup of celery (finely chopped)
1 small cauliflower (chopped)
1/2 cup of carrots (grated)
1 1/2 cups of onion (chopped)
1 bay leaf
1/8 cup of fresh basil leaves (chopped)
2 teaspoons of sugar
1 teaspoon of salt
1/2 teaspoon of freshly ground black pepper
1/2 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
1 tablespoon of olive oil
1 tablespoon of butter
8 ounces of heavy cream
sour cream
a few fresh basil leaves (for garnish)

In a large pot, combine the chicken broth, one-half of the tomatoes, one-half of the celery, all of the cauliflower, the carrot, onion, bay leaf, about six of the basil leaves, the sugar, and the salt and pepper.

Bring to a boil.

Reduce the heat to low and simmer, covered, for twenty minutes.

Remove the bay leaf and purée the soup in a blender until completely smooth

Return the soup to the pot.

Meanwhile...
In a medium-sized skillet, cook the sausage in the olive oil over medium heat for six or seven minutes stirring occasionally with a wooden spoon to crumble the sausage.

Drain off any liquid.

Add the butter and the remaining tomatoes and celery to the sausage, and continue to cook for another six or seven minutes.

Add the sausage mixture and the cream to the soup.

Stir and heat the soup briefly for serving (but do NOT boil!).

Serve with a spoon of sour cream and garnish with a basil leaf

Serves 4 To 6

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Merry Christmas from The Motz Family!

Plaza Towing Helps to Fill Santas Bag for CVRM

When Trent Butzlaff, owner of Plaza Towing in Indio, heard that Santa's Bag was empty for the Coachella Valley Rescue Mission he called his wife, Kathy, and said they had to do something about it. He asked if his employees would mind if they did not have a Christmas party this year & in exchange he would use that money on buying toys to fill Santa's bag. His employees agreed collectively.

This morning the Butzlaff family, including their 2 sons Trent Andrew & Jarred, along with their employees, went to Target in Indio & bought enough toys to overflow 5 shopping carts. The toys will be brought to the Coachella Valley Rescue Mission Monday morning in a trailer pulled by one of Plaza Towing's tow trucks.

The desert is blessed to have businesses like Plaza Towing and we are blessed to have friends like them!

Simple Kitchen Math:

Here is a little something you may need during the "Holiday Season"

A "pinch" or a "dash" = Less than 1/8 of a teaspoon
3 teaspoons = 1 tablespoon
4 tablespoons = 1/4 of a cup
5 tablespoons and 1 teaspoon = 1/3 of a cup
8 tablespoons = 1/2 of a cup
10 tablespoons and 2 teaspoons = 2/3 of a cup
12 tablespoons = 3/4 of a cup
16 tablespoons = 1 cup 2 tablespoons = 1 fluid ounce
1 cup = 1/2 of a pint or 8 fluid ounces
2 cups = 1 pint or 16 fluid ounces
4 cups = 2 pints or 1 quart or 32 fluid ounces
4 quarts = 1 gallon or 64 fluid ounces
16 ounces = 1 pound

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Lasagne Rolls

A GREAT recipe to make for your holiday meal! This will probably be the best tasting lasagne you’ll ever have. Enjoy!



Everything You Will Need:
1/2 pound of lasagne noodles
1 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
2 tablespoons of butter
15 ounces of Ricotta cheese
1 cup of Parmesan cheese (grated)
1/4 teaspoon of nutmeg
salt
1/4 teaspoon of black pepper

2 1/4 cups of Mornay Sauce

3 1/4 cups of Caryn’s Special Sunday Sauce




Serves 6 to 8


Prepare the lasagne noodles according to the directions on the package.

In a medium-sized frying pan, cook the sausage in the butter over medium heat for about ten minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Remove the sausage from the heat, drain off any liquid, and let cool for a couple of minutes.

In a bowl, mix the sausage with the Ricotta cheese, Parmesan cheese, nutmeg, and salt and pepper.

Baste the bottom of a nine by thirteen inch glass baking dish with one-half cup of Caryn’s Special Sunday sauce.

Spread a thin layer of the filling on the noodles.

Roll the noodles and place them in the dish, seam side down.

Pour the Mornay sauce evenly over the top of the lasagne rolls.

Pour two cups of Caryn’s Special Sunday sauce evenly over the top of lasagne rolls.

Preheat the oven to 350 degrees.

Bake the rolls for forty minutes.

Serve hot with the remaining sauce on the side.


Caryn’s Special Sunday Sauce
This takes a couple of hours to cook and fills the house with great aroma!


Everything You Will Need:
2 28 ounce cans of peeled and diced tomatoes in juice
1 28 ounce can of tomato puree
1 12 ounce can of tomato paste
2 cups of water
1 cup of chopped parsley
2 cloves of crushed or chopped garlic
2 teaspoons of salt
1 1/2 teaspoons of dried oregano
1/4 cup of fresh basil (chopped)
1 teaspoon of fresh ground pepper
3 cups of onion (chopped)
8 ounces of sliced fresh mushrooms
3 tablespoons of sugar
1 pound of Papa Cantella's
fresh Italian sausage links
Parmesan or Romano cheese (grated)



Serves 4 To 6


Put all of the ingredients except for the sausage into a large stock pot and mix together well.

Bring to a slow boil over medium-high heat.

Reduce the heat to low.

Add the sausage links.

Simmer the sauce, uncovered, for almost two and one-half hours, stirring occasionally.


Remove the sausage and place in a separate serving dish.

(This makes three quarts of sauce and it freezes very well, so put some aside in the refrigerator for the next day, and some in the freezer for other recipes calling for sauce.)



MORNAY SAUCE


Everything You Will Need To Make 2⁄ Cups:
4 tablespoons of butter
4 tablespoons of flour
11/2 cups of milk
salt and freshly ground black pepper
1 egg yolk
1/4 cup of Parmesan or Romano cheese (grated)



In a small sauce pan, melt the butter.

Stir in the flour.

Pour in the milk and continue to stir over medium-high heat until the sauce has thickened.

Add salt and pepper to taste.

Stir in the egg yolk, and then the cheese.

Blend the sauce well, and remove from the heat.

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Cathedral City Boys & Girls Club Holiday Wreath Auction and VIP Reception

The Cathedral City Boys & Girls Club
celebrated their 30th Anniversary by hosting a Holiday Wreath Auction and VIP Reception to benefit the organization from 6:30 to 8:30 p.m., this evening immediately following the Cathedral City Christmas Tree Lighting Ceremony.

The wreath auction and VIP reception took place at the Incredible Artist Gallery. Donated wreaths lined the Pickfair Promenade's outdoor courtyard. A VIP reception featured FABULOUS food by Trilussa, wine and desserts.
The event would not have been possible without the support of the following sponsors:
Douglas W. Motz Insurance Agency, Starbucks Coffee, Christmas Cottage, Trilussa, Michaels, Ram Home Warranty, Signature Party Rentals, Schultz Property Inspection and 3rd Generation Insurance Agency.

Pasta E Fagioli With Sausage

A Yummy Italian Soup to warm you up for these cold nights!Everything You Will Need:
1 cup of small white beans
1/4 cup of olive oil
1 tablespoon of butter
1 1/2 cups of onion (coarsely chopped)
3 slices of lean bacon (finely chopped)
1/3 cup of celery (chopped)
1/2 cup of carrots (grated)
1 tablespoon of crushed or chopped garlic
3 tablespoons of chopped fresh basil
1/4 teaspoon of dried oregano
1 pound of fresh Papa Cantella's Italian sausage
(removed from the casings)
1 cup of fresh, ripe tomatoes (chopped)
1 tablespoon of fresh Italian parsley (chopped)
1/4 teaspoon of sage
7 cups of chicken broth
1 1/2 cups pasta (small shells are recommended here)
salt
freshly ground black pepper
Parmesan or Romano cheese (grated)


Serves 6 to 8


The Day Before Serving:
Soak the beans in three to four cups of water. Let stand overnight.


The Day of Serving:
Heat the olive oil and butter in a large stock pot over medium heat.

Add the onion and bacon and cook for about six to eight minutes.

Add the celery, carrots, garlic, basil and oregano and continue to cook for about two or three minutes.

Add the Italian sausage and continue cooking all of the ingredients for about eight minutes, stirring occasionally with a wooden spoon to crumble sausage.

Add the beans, tomatoes, parsley, sage, and six cups of the chicken broth and bring the mixture to a boil.

Reduce the heat and simmer for about one and one-half hours, or until the beans are tender, stirring occasionally.

Remove two cups of the soup and purée in a blender until smooth.

Stir the purée back into the soup. Add the remaining cup of chicken broth and continue to cook, bringing the soup to a boil.

Add the pasta as well as salt and pepper to taste, and continue to cook at a slow boil for about twelve to fourteen minutes, until the pasta is tender.

Serve hot and top with grated cheese.

for further information go to
www.Papacantella.com or www.DougMotz.com

Pay It Forward Day 2010 ~ Family Network TV

Tis the Season to do a random act of kindness…

What can you do?

• Pay for someone’s cup of coffee…
• Buy someone some groceries…
• Get the next person’s gas…
• Help someone out…
• Donate something…
• Be creative!!!

When you do something for someone there’s a good chance they’ll do something for someone else. If not, at least you’ve done a good deed for someone.

So share some kindness and spread some joy today! It can be as little as a few dollars or as much as you want. No one needs to know! A BIG Thank You to
David Del Mundo for creating this day!

Christmas Food Court Flash Mob, Hallelujah Chorus - Must See!

You have to check this out, it is AWESOME!

Carole's Gourmet Cornbread

Here's something with a little "kick" as a side to your chili or soup for this cold weather!

2 Sticks of butter, softened (1 cup)
1 C Sugar
4 Eggs
1 15 oz can cream corn
1 15 oz can Mexican Style whole kernel corn
2 oz Ortega diced mild green chilies/drained
1 Minced jalapeno (can use 2)
½ C Shredded Monterey jack cheese
½ C Shredded Cheddar cheese
1 Package Marie Calendar Corn Bread Mix

Preheat oven to 300

Lightly grease w/butter a 9 x 13 baking dish
In large bowl, beat together butter & sugar. Beat in 1 egg at a time
Blend in cream corn & Mexican Style corn, chilies & cheeses
Blend in Marie Calendar Corn Bread Mix
Bake in middle of oven for 1 hour or until toothpick inserted into center comes out clean.

For further information call:
Douglas Motz Insurance Agency @ 760-200-0270
or go to DougMotz.com

Save the Date!

On Thursday, Dec. 2nd, the holiday spirit will fill Downtown Cathedral City.

Beginning at 6pm, the City of Cathedral City will host its
Annual Tree Lighting Ceremony in its Town Square. A magical musical concert by the Desert Winds Freedom Band, a special visit from Santa, and holiday treats are planned for the community.

The celebration continues at the Incredible Artist Gallery, located in the Pickfair Promenade, adjacent Town Square. At 6:30pm, the Boys & Girls Club of Cathedral City will host its 1st Holiday Wreath Auction with a VIP Reception. The reception includes wine and Hors d oeuvres. Tickets are available at $30/person with all proceeds benefitting the
Boys & Girls Club of Cathedral City.
For further information call susana Avalos at the
Boys & Girls Club of Cathedral City @ 760-770-4965 or call
Douglas Motz Insurance Agency @ 760-200-0270

Sausage Stuffing

Get Ready For Thanksgiving!

1 14 ounce package stuffing
1 pound Papa Cantella's Italian sausage cooked & crumbled
(removed from casing)
5 tablespoons butter
1 cup chopped celery
1 cup chopped onion
8 ounces sliced mushrooms

Melt butter in a large saucepan and add onions, celery & mushrooms, cook 2-3 minutes on medium heat. Remove from heat, add sausage & stir. Add broth & stuffing to saucepan & lightly mix.

To prepare in casserole spoon into a greased 3 qt casserole dish. Cover & bake @ 350 for 30 minutes

Or loosely spoon prepared stuffing into turkey/poultry cavity before cooking. Follow cooking directions on turkey/poultry.

Serves 10

Bon Appetit!

For further information go to
www.PapaCantella.com or www.DougMotz.com

Spiedini

A one-hundred year old family favorite!

If you have the time and patience, here is one of the best tasting dishes you’ll ever eat! This is my grandmother’s original recipe from Villa Rosa, Sicily.













Everything You Will Need:

3 pounds of beef round steak
(1/2 inch thick)
1 tablespoon of butter
1/2 pound fresh Papa Cantella's Italian sausage
(removed from the casings)
1 1/4 cups of onion (finely chopped)
1 teaspoon of crushed or chopped garlic
1 1/2 cup of Italian seasoned breadcrumbs
1/2 cup of Parmesan or Romano cheese
(grated)
2 tablespoons of fresh parsley (chopped)
1/4 teaspoon of salt
1/2 teaspoon of freshly ground black pepper
1 egg (hard boiled and grated)
50 bay leaves
3 tablespoons of olive oil


Makes 45 to 50 Incredible Delights!

Round steak is usually about one-half inch thick.

Slice the meat in half to about one-fourth inch thickness.

Pound the meat to an even thickness and cut into pieces about three and one-half inches square.

Set the steak aside.

In a medium-sized frying pan cook the onion, garlic, and sausage in the butter over medium heat for seven or eight minutes, stirring frequently with a wooden spoon to crumble the sausage.

In a medium-sized bowl, mix the breadcrumbs, grated cheese, parsley, salt and pepper.

Mix in the sausage, onion, and grated egg. (The filling should not be too dry or too moist).

Put about one tablespoon of filling in the center of a piece of the round steak and tightly roll it with a small overlap.

Place the spiedini on a skewer, along with a bay leaf.

Repeat the above process for the remaining pieces of steak.

Put on eight spiedini per skewer, with a bay leaf between each one (but none on the ends).

Brush the spiedini with the olive oil.

Preheat the broiler. Broil the spiedini for six to seven minutes per side and serve hot.


(This is also great as a main dish served with a side of pasta!)

for further information go to
www.PapaCantella.com or www.DougMotz.com

Operation Drumstick

Please Help Your Community During This Holiday Season!

Coachella Valley Rescue Mission is in need of the following:

Critical Holiday Needs:

Turkeys and Hams
Butter
Canned Goods including: Corn,
Green Beans, Yams, Mixed Vegetables
Brown Sugar
Stuffing Mix
Turkey Roasting Bags and Pans
Potatoes - whole or instant
Cranberry Sauce
Pies
All Spices & Dried Herbs including:
Seasoning Salt, Garlic, Paprika,
Rosemary, Oregano,
Thyme, Parsley
Drinks - 12 oz Water Bottles,
Boxed or Bottle Juices,
Powdered Drink Mix
Coffee & Coffee Creamer
Dinner Rolls
Paper Goods including:
Plates & Napkins
Plastic Forks and Knives

For more information contact:
Linda Garland
760-347-3512 x 221

Stuffed Eggplant

Everything You Will Need:

1 eggplant (1 to 11/4 pounds)
1 cup of onion (chopped)
3 tablespoons of olive oil
2 tablespoons of crushed or chopped garlic
1/2 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
1/2 pound of lean ground beef
2 cups of fresh, ripe tomatoes
(peeled, seeded & chopped)
2 tablespoons of fresh basil (chopped)
2 tablespoons of fresh parsley (chopped)
1/4 cup of Italian seasoned bread crumbs
1/4 cup Mozzarella cheese (grated)
freshly ground black pepper & salt to taste


Wash the eggplant, and cut it in half lengthwise.

With a spoon, carve out part of the interior of each half while removing seeds, leaving a neat cavity for the filling.

Rinse the eggplant shell with water.

Sprinkle the insides of the eggplant halves with salt, turn them upside down, and let them stand for about one hour on a rack (to allow for breathing).

In a medium-sized frying pan cook the onion and garlic in the olive oil over medium-high heat for about three minutes.

Add the sausage and ground beef.

Cook for about four to five minutes more, stirring occasionally with a wooden spoon to mix the meat.

Mix in the tomatoes, basil and parsley.

Cook for two or three more minutes.

Turn off the heat, and when cool enough to handle, thoroughly mix in the breadcrumbs and salt and pepper to taste.

Preheat the oven to 350 degrees.

Fill the eggplant halves with the filling, and put them in a shallow glass baking dish. (It may be necessary to touch the sides of the halves together to keep them propped up and level).

Add about one-half inch of water into baking dish.

Bake the halves for forty-five minutes at 350 degrees.


Carefully pull out the oven rack and sprinkle on the Mozzarella cheese.

Bake for about another ten minutes, or until the cheese has melted.

Remove the eggplant halves from the pan, and serve hot.

(As an alternative, zucchini (small Italian squashes) may be used. They will require the same treatment and cooking time, however the mixture listed here will fill about eight zucchini).
Serves 4

For futher information go to:
www.PapaCantella.com or www.DougMotz.com

Food Crisis at the Mission

WE NEED YOUR HELP!
We are asking the community to help us!
Mac & Cheese, Canned Soup, Canned Vegetables, Spaghetti-O’s,
Canned Tuna, Canned Raviolis, Macaroni, Tom Ramen, Crackers, Chips, Hot & Cold Cereals, Canned Beans, Peanut Butter, Jelly,
Syrup, Pancake Mix, Instant Potatoes, Powdered Milk, Rice, Beans.

Starting Monday, November 1, 2010 ,
Douglas Motz Insurance Agency is a drop-off location for the Coachella Valley Rescue Mission. Food items can be dropped off at our office between 9:00am-5:00pm at 43875 Washington St. Suite “A” Palm Desert (in the single story building on the corner of Washington & Fred Waring).
Please do not drop off perishables at our office. Perishables can be dropped off directly at the Mission at 47-518 Van Buren in Indio. For further information please call Linda at the Mission at 760-347-3512 x 221 www.cvrm.org

Sausage & Three Cheese Crostini

A real "TREAT" for your tastebuds!

Everything You Will Need!

1/2 Pound fresh Papa Cantella's Italian sausage
(removed from casing)
1/2 cup finely chopped onion
1 teaspoon crushed or chopped garlic
1 tablespoon olive oil
1/2 cup Ricotta cheese
2/3 cup grated Parmesan cheese
1/4 cup grated Provolone cheese
1 cup fresh, ripe tomatoes
(peeled, seeded & chopped)
2 tablespoons finely chopped fresh basil
2 tablespoons finely chopped fresh parsley
18 slices of baguette-style bread
(cut 1/2 inch slices)

In a medium-sized skillet, cook the sausage, onion and garlic in olive oil over medium heat for 6-8 minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Remove the mixture & place in a medium sized bowl. Do not drain.

Add in the Ricotta cheese, one half of the Parmesan cheese, the Provolone cheese, tomatoes, basil, parsley and salt & pepper to taste and mix together.

Pre-heat broiler. Place the rack 6-8 inches from the heat source.

Put one tablespoon of mixture onto each of the bread slices and sprinkle the tops with the remaining Parmesan cheese.

Place on a cookie sheet & broil for about 5-6 minutes.

Serves 8 Gourmet Appetizers

For further information go to:
www.PapaCantella.com or www. DougMotz.com

Sicilian Sausage Soup

It's Simply Delicious!

Everything You Will Need:





1 pound fresh Papa Cantella's sausage
(removed from casing)
1 1/2 cups chopped onion
1 tablespoon olive oil
5 cups of chicken broth
1 28 ounce can of diced tomatoes (in juice)
1 teaspoon fresh basil (chopped)
1 cup elbow macaroni
salt & pepper to taste

In a four quart stock pot, cook the sausage and the onion in the olive oil over medium heat for about 10 minutes or until the onion turns transparent, stirring occasionally with a wooden spoon to crumble sausage.

Add the chicken broth, tomatoes, basil & bring to a boil.

Add the macaroni, and salt & pepper to taste.

Reduce the heat to low and let soup simmer for about twenty five minutes, partially covered, until the macaroni is tender.

Serve hot.

Serves 6 to 8.

For more recipes go to: www.Papacantella.com

Motorcycle Safety Tips

Motorcycles have been around since the 19th century. Many motorcycle riders are drawn by the freedom associated with riding bikes on our highways across the country. The open road is always an adventure. Some people are drawn to motorcycles because they are very fuel and space efficient. No matter what reason people are drawn to riding bikes, it is important that riders learn the different nuances associated with motorcycles, especially motorcycle safety.

Safety

Safety should be the number one priority for all motorcyclists and should be a requirement of every rider. Each rider should consider as many ways as possible to become a safe rider. The streets & highways are a dangerous place for any motorcyclists. Don't wait until it is too late…. always learn the skills BEFORE you need to use them.
State laws are the only way local governments can enforce motorcycle safety. Some laws include requirements to wear helmets and take special classes to obtain a license. State laws are still not enough by themselves. Certain precautions should be taken prior to hitting the road on your motorcycle such as, taking classes and courses that increase skills and awareness for riders. Also, there is plenty of protective gear available for personal protection.
In the event of a crash, the rider will only have their protective clothing between them and the road. The most important part would be the helmet. It is necessary that the rider find the right fit, and the most protective helmet. The helmet not only cushions the head and brain in case of a fall, but also protects the rider from the distractions caused by dust and flying debris. Other protective gear is imperative to motorcycle safety. In the event of an accident, the rider will not have a door or window to protect them. They must rely entirely on the effectiveness of their protective riding gear. Nothing protects a rider more from a crash than a helmet, a good jacket, gloves and set of chaps. This can make a difference between a few scratches and serious road rash.

The Bike
Experts recommend buying a lightweight, small and manageable bike for learning purposes when purchasing your first bike. Riders can pick from many different groups of motorcycles. The most common include street legal bikes, off road bikes and dual-purpose bikes. Each type is designed to serve a different riding purpose and puts the rider into a different riding statue. With new models coming out ever year there is the right bike for everyone and there are different motorcycle models available to choose from. No matter what kind of motorcycle a rider chooses it is important to remember safety should always come first.

Insurance
Be prepared for whatever the road has in store for you, with a motorcycle insurance policy. Besides being fun to ride, motorcycles are economical and cheaper than a car to insure! Most states require a motorcycle to be insured. You never know what might be around the bend so be sure you have proper coverage. Even if you have been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Accidents happen every day.

When purchasing a motorcycle be sure to call Douglas Motz Insurance Agency @ 760-200-0270 for a FREE quote or go to www.DougMotz.com. When you choose our agency for your insurance we can give you peace of mind while you ride so you don’t have to worry whether you have the proper insurance coverage.

After “Tying the Knot”

Insurance Needs for Newlyweds

Newlyweds need to re-evaluate their insurance coverage once they have “Tied the Knot”. Households and finances get merged. One of you may move into the other’s current home, or the newlywed couple may move into a new home together. Marriage means you will need to update your insurance to reflect your new marital status.”
Assessing and addressing your insurance needs early on will help you make the right choices when combining 2 single households into one married package. It can also save you a lot of money in the future and will help carry you over the threshold toward financial stability. Be sure if one of you is changing their name that it is reflected on your policy.

Adjust your health insurance: If you or your spouse both have health coverage through one of your employers’, compare coverage and costs to decide which is the best plan for you, so you don’t pay duplicate coverage. If only one of you have a health insurance plan you might want to put it all under one plan, you may get better rates and coverage.

Auto insurance: Combining your auto policies into one household can often save you money, most companies offer discounts for insuring multiple vehicles on one policy. Rates for married drivers are usually lower than for single policyholders. Also, combining homeowners and auto policies can give you an added discount.

Homeowners or renters insurance: One of your most valuable assets is your home and its belongings. Be sure to take out a homeowners or renters policy to protect you in the event of fire or theft. For your new life together you have bought new furniture and have opened all of your expensive wedding gifts, they need to be protected. Be sure to inventory all of your belongings, go through the entire house together since most couples have lived on their own before marriage. Take some pictures/videotape while you are taking an inventory. Write the brand, make, models, serial numbers, and dates of purchase on the back of the picture and store this information in a safe place.

Engagement/Wedding Ring: You may want to add your expensive wedding ring to your policy because most homeowner’s policies place a limit on jewelry coverage, this is called a rider or endorsement.

Life Insurance: Purchasing life insurance is important because you want your new family to be financially prepared if the unspeakable should happen – the loss of either spouse. Though not a topic most newlyweds want to spend a lot of time thinking about, the chance of leaving behind a loved one is a risk that no married person should ignore. Would your surviving spouse be able to manage the mortgage or rent payments on one salary? How much debt do you currently have including credit card bills, student loans and car loans? If you don't already own a home, are you planning to purchase one soon? Are you planning to have children any time soon? These are just a few questions newlyweds need to answer. Also, if you already had a life insurance policy before you were married, be sure to change the beneficiary.
And if you haven’t already purchased your trip insurance for your honeymoon, Douglas Motz Insurance Agency can also help you there.

When you return from your honeymoon call Doug Motz at Douglas W. Motz Insurance Agency @ 760-200-0270 or go to http://www.DougMotz.com, so he can guide you in the right direction. License #0F00702

Roasted Turkey & Sausage Roll

Wednesday’s Weekly Recipe
Roasted Turkey & Sausage Roll






Everything you will need:
5 pound boneless turkey breast
(in one piece, with skin)

½ teaspoon dried oregano
¼ teaspoon salt
½ teaspoon freshly ground black pepper
¼ cup butter
(let temper for about 15 minutes before using)
½ pound of Cantella’s fresh Italian sausage
(removed from casing)
¼ cup of olive oil
Ground pepper medley
Garlic salt
Kitchen string

Neatly bone (or have you butcher do it) a turkey breast (in one piece) to net about five pounds.

Remove & save the skin in one large piece.

Lay the breast out and pound it to an even thickness, pushing the sides to form a rectangular piece. Lay the breast on its back side with the cut side up.

Spread the butter over the breast, then sprinkle on the oregano, salt & black pepper.

Crumble on the Italian sausage.

Neatly & tightly roll the breast, cover it with the skin, and tie it together in five or six places.
(Tip: Cut about six pieces of string 14-15 inches long and lay them out. Set the turkey roll over the pieces of string. It helps to have an assistant put a finger on the knot. )

Preheat oven to 350 degrees.

Rub the roll thoroughly with the olive oil. Sprinkle on the pepper medley and garlic salt to taste.

Place the turkey roll on a roast rack and put into a 9 x 13 inch glass baking dish.
Roast for about one and one-half hours, brushing or basting occasionally with its own juices.

When the turkey roll is finished roasting, test it with a roast-meat thermometer which in the center, the breast should read 168-170 degrees.

Let roasted turkey roll stand for just a couple of minutes before carving.
Cut into one inch slices & serve hot.

Serves 6

For more recipes from Papa Cantella go to www.papacantella.com

Papa’s Special Egg Dish

Here is a GREAT Sunday breakfast to make for you family!

Everything you will need:
8 fresh eggs
1 pound fresh Papa Cantella’s Italian Sausage
(removed from casing)
1 1/2 cups chopped onion
4 teaspoons olive oil
1 10 ounce package chopped, frozen spinach (thawed & drained)
Salt & freshly ground pepper

Beat egg in a small bowl & set aside.

In a large skillet, cook the sausage & the onion in the olive oil for approximately 10-12 minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Add the eggs and spinach to the sausage & onion mixture. Scramble until the eggs are done.
Add salt & pepper to taste & serve hot.
Serves 4

For further information on Papa Cantella’s Sausage go to: www.Papacantella.com

Cantella’s Pesto Sausage & Onion Alfredo

Everything you will need:
1 package of Cantella’s Pesto Sausage
1 large onion finely chopped
¼ cup of butter
2/3 cup white wine (chardonnay)
1 ½ cups heavy cream
¼ teaspoon nutmeg
1 pasta (Radiatore is a good choice)
2/3 cup fresh grated Romano or Parmesan cheese
To make sure your pasta and sauce are timed correctly, bring a pot of water to a boil now.
Cook the pasta according to the directions.
In a large frying pan or electric skillet, cook the onion over medium to medium low heat for fifteen minutes, being careful not to burn the butter. Cut the sausage into ¼ to ½ inch bite sized pieces and set aside. Add the sausage & wine to the onions. Raise the heat to medium high and let simmer for eight to ten minutes, stirring occasionally with a spoon. Stir in the cream and the nutmeg and let simmer, stirring occasionally, for ten more minutes, or until the pasta is ready. Drain the pasta in a colander and return back to the pot. Add the sauce and the grated cheese. Gently mix the pasta until it is well coated. Add salt and pepper to taste and serve hot.

For more recipes from Papa Cantella's go to:
http://www.papacantella.com

Dog Liability and Homeowners Insurance

Dangerous Dog Breeds Can Be An Insurance Risk
When getting your homeowners insurance, the breed of dog you have may actually change your premium rates or even disqualify certain aspects of the policy. The liability is created by having a certain type of dog that is statistically more likely to bite someone than other breeds. The lists vary by insurance company, but most have listed the following breed of dogs as unacceptable: Pit Bulls, Doberman Pinschers, Rottweilers and even Chows may actually be a liability that insurance companies would prefer not to cover. Some carriers have a more extensive list of unacceptable breeds which could include:
Akita, Alaskan Malamute, Chow, German Sheppard, Husky, Presa Canario, Staffordshire Terrier and Wolf Hybrids to name a few.
Some states are even considering making pet liability insurance mandatory for all pet owners.
If a homeowner has a dog that has ever bit someone while he or she was on your property, the injury could quite conceivably fall into the “liability” category. And despite all of the other precautions taken to secure and protect your home and the people inside it, like good locks, alarms, safe construction etc., the simple fact that you own a particular type of dog could potentially put the entire homeowner’s contract at risk.
Precautionary Steps to Lower the Risk
Show the insurance company that you are serious about keeping your “high-risk” dog at bay, safely secluded away from the neighborhood and any potential visitors. High fences and safety collars can make a world of difference in lowering the risk of a liability problem. Be sure to have a “Beware of Dog” sign posted on your property.
If you don’t want to deal with this potential homeowner’s insurance problem, you can always get a low-risk dog. Mixed breeds tend to be perfect, and there is always a nice variety of mutts around. Plus, local shelters are typically overrun with dogs and many of them are not categorized as high-risk. Or you can get a certain type of specialized breed which has not been placed on the insurance companies’ blacklist. And if you absolutely don’t want to give up your high-risk dog, just make sure the dog never gets the chance to hurt anyone and thereby create a claim that may not be covered. A little prevention can save a lot of heartache and money.

Landlords and Dogs
A landlord who allows a tenant to have a dog on the premises can be and have been held liable. When interviewing tenants you need to ask what breed of dog they have. Insist on seeing the dog. Approach the dog, is he hostile or aggressive? If yes, find different tenants or be sure to write on your leases an addendum for animals, that way you can revoke the animal privilege without rewriting the lease.

Insurers will never stop underwriting dogs when writing homeowner policies. Dogs are a liability hazard for insurance companies, and the risk associated with insuring their owners is too great to overlook. Addressing an unacceptable exposure after a loss occurs is too late. Take the time to identify your own exposure. By doing so, you help protect yourself and lessen the risk of lawsuits and insurance issues. A few companies have not restricted dog breeds.

Cantella's Hot & Spicy Sausage Hors D’Oeuvres

Everything you will need:

3 pounds of Cantella’s Fresh Italian Sausage
1 10 ounce jar grape jelly
2 10 ounce bottles of chili sauce
Broil the sausage for about eight to ten minutes over medium heat, turning once only and remove them just before they are done. Cut the sausages into
one-fourth to one-half inch bite-sized pieces.
Mix the jar of grape jelly and the 2 bottles of chili sauce in a two quart sauce pan and bring to boil. Reduce heat to low and add the sausage to the grape jelly and chili sauce mixture and let simmer for about fifteen minutes.
Serve this wonderful and easy creation in a crock-pot or other warming container and have toothpicks available for convenience.

For more recipes go to:PapaCantella.com

Santa Fe Turkey Sausage Sandwich

Cantella’s Santa Fe Turkey Sausage Sandwich
Everything you will need:
1 package of
Cantella’s Santa Fe Turkey Sausage
1 onion
1 package of fresh rolls
1 tablespoon of olive oil, mayonnaise & mustard

Barbecue, broil or pan fry the sausage

Slice the onion & cook in one tablespoon of olive oil about 15 minutes, covered, over medium heat. Spread the mayonnaise & mustard on a roll, then place the sausage on the roll and spoon the onions over the sausage.

Bon Apettit!

To find out where to buy Papa Cantella's Sausage go to:
www.PapaCantella.com

Have you checked your homeowners insurance policy lately?

Have you checked your homeowners insurance policy lately? Do you have any changes such as: upgrades or additions, or are you renting your house out? If you answer YES to any of these questions you need to review your homeowners insurance policy. Call Douglas Motz Insurance Agency today @ 760-200-0270 or go to DougMotz.com to be sure you are properly covered!

Best Way to Cook Sausage

Notes On Cooking Sausage....
First of all, you want to use Papa Cantella's Italian Sausage!
As a general rule, let sausage temper for about ten minutes before cooking as putting cold sausage on a hot grill will tend to split the casings. Never poke or prick sausage before cooking as this will allow rich flavorful juices to escape the meat. Contrary to some belief, sausage does not need to be par boiled before cooking.
Cooking times for sausage may vary slightly depending on the appliance used and whether or not you are using Fresh or Fully Cooked Sausages. As a rule of thumb, 325 degrees is the approximate correct heat on an electric skillet, or medium-high heat on a gas appliance.
Sausage may be cooked in any number of ways, but no matter what method is used, Fresh Sausage will generally be cooked in about sixteen to thirty minutes, and are finished just as the meat looses its pink color inside. Fully Cooked Sausages need only to be heated for approximately 10-15 minutes.
Instead of using a fork to turn sausage while cooking, use tongs. The best tongs to use for turning sausage are the long handled, spring loaded, stainless steel type, as opposed to the scissors type.
When cutting or slicing sausages, use a sharpened knife. A dull knife will rip the casings and not give a good clean cut.
To pan fry Fresh Sausage, lightly wipe the interior of a frying pan or electric skillet with olive oil and preheat to 325 degrees or medium high heat. Cook the sausage for fifteen to eighteen minutes, turning occasionally. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center.
To broil Fresh Sausage, preheat the broiler. Place the sausage on a broiler pan, about three to four inches from the heat source, usually second shelf from top. Broil for about sixteen to eighteen minutes, turning occasionally. In an electric oven, broil with the door ajar. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center.
To bake Fresh Sausage, preheat the oven to 350 degrees. Lightly wipe the bottom of a glass baking dish with olive oil, place the sausage in the dish, and bake for twenty-five to thirty minutes, uncovered. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 14-17 minutes, or until the sausage is heated to the center.
To steam Fresh Sausage, place the sausage in a medium-sized skillet and add eight to twelve ounce of water or other desired liquid such as chicken broth, wine, beer, etc. Cook on medium high heat, covered, for twenty to twenty-five minutes. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 14-17 minutes, or until the sausage is heated to the center.
To Bar-B-Q Fresh Sausage, mound the briquettes into a pyramid on the coal rack of the grill. Light the fire in the usual method and let kindle for about fifteen minutes until the coals become ashed over. Safely spread the coals out into a single layer Arrange the links on the grill and cook for about twenty minutes, turning occasionally. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center. (Note: if cooking a large number of sausages, juices may drip onto overheated coals and cause a fire flare-up to occur. To help prevent this from happening, make sure the coals have already peaked and are not flaming before putting the sausages on. You may also want to use a grill basket, and keep a spray bottle of water handy.)
For further information contact: Douglas Motz Insurance at 760-200-0270 or go to www.DougMotz.com.You can also go to: http://www.papacantella.com/

Can you afford to rebuild your home if it is destroyed?

Although wildfire season comes every year, a recent poll by the Insurance Information Network of California, found that only 22 percent of Californians consider themselves prepared for a disaster.
Southern California wildfires have displaced thousands of residents across much of the southland in recent years. With a multitude of wildfires in Southern California this should be a reminder of the importance of having proper insurance coverage for your home and valuables, whether it is your home, condo, apartment or your autos. Be sure to also have the proper coverage of your contents.
It is sad, but if you have seen news stories, many victims do not have homeowners insurance. Some people think that they do not need homeowners insurance if they own their home outright. Can you afford to rebuild your home if it is destroyed? Can you afford to replace all the contents of your home if it is destroyed? Or what if your car, boat, motorcycle, etc is destroyed? Can you afford to replace any or all of those if they are not properly insured?
You might also have “loss of use”, which means that your home is uninhabitable. Can you afford additional living expenses, such as renting a house or apartment until your home is habitable?
Families can protect themselves when faced by disaster by practicing the following tips:
●If you are ordered to evacuate follow the police or firefighters instructions. Safety is more important than your home & valuables.
● Have a family evacuation plan, plan escape routes and have a meeting place in the event you become separated.
●Designate a contact person that your family can call to report any information needed.
●Make an inventory list, as well as take pictures and/or videos of all of your belongings and valuables and store them away from home.
●If you have time before you evacuate be sure to gather any financial documents, insurance papers, irreplaceable items, such as photos or family heirlooms etc…

If you need further information please contact Doug Motz from the Douglas W. Motz Insurance Agency, Inc.(License #0F00702) Doug Motz can be reached at 760-200-0270 or you can go to www.DougMotz.com.
43875 Washington St. ●Suite A● Palm Desert, CA 92211

Douglas Motz Insurance Agency would like to thank all of the emergency response teams and fire departments throughout California for their commitment to public safety. We are so grateful and appreciative for what you and your families sacrifice.

What is GAP Insurance(And why would I need it?)

by: Douglas W. Motz Insurance Agency
The moment you drive your car off the lot, it loses value, sometimes as much as 20-30%. GAP stands for Guaranteed Auto Protection insurance. Gap insurance covers the difference between the market value of what your car is worth and what you owe on the loan. If your vehicle has been totaled by an accident, vandalism, theft, flood, fire, tornado, or hurricane your insurance company typically pays the Actual Cash Value (ACV), which is usually less than the actual amount you still owe on your loan or the amount due for a lease payoff. It pays the difference between what is owed and what your auto insurance company will pay. Without GAP insurance you would owe the difference. Most people assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. This is not so.
If the ACV of your car is $15,000.00 and you owe $20,000.00, GAP insurance will cover the $5,000.00 difference, it may even cover your deductible.
GAP insurance is a must if you are buying or leasing a new car and should not be something that you decide to cut costs on. GAP insurance is very affordable. Dealerships tend to take a pretty hefty markup on add-ons like GAP insurance. Check with your insurance agent/company to see if they sell GAP insurance.
For further information on GAP coverage call Doug Motz @ Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook, Twitter and Linkedin.
License # 0F00702

Travel Tips For Driving To Mexico

Travel Tips For Driving To Mexico

Why do I need Mexican Automobile Insurance?

Southern Californians often take weekend trips across the border into Mexico. It is suggested that you ALWAYS obtain Mexican automobile insurance prior to crossing the border. Mexican authorities do NOT recognize American or Canadian issued auto insurance as valid, regardless that the American policy has Mexican coverage. If you are involved in a motor vehicle accident in Mexico, it is likely that you will be detained until the local authorities can determine who is at fault. Even if you are not at fault, under Mexican law, motorists are required to have Mexican auto insurance, or officials will want proof of financial responsibility and will expect you to post a bond to cover estimated costs before you will be released. Financial responsibility can be demonstrated either by possession of cash, approximately $5,000.00-$10,000.00, or by possession of Mexican auto insurance through and authorized company.
For information on Mexico automobile insurance prior to traveling to Mexico got to www.DougMotz.com or contact Doug Motz at Douglas W. Motz Insurance Agency at 760-200-0270. License # 0F00702

Prior to traveling to Mexico, travelers should make their own inquiries into Mexican law. This article does not include all available information regarding traveling in Mexico.

25 Fun & Interesting Car Facts

1. 1 car is stolen every 33 seconds
2. The first car for sale in America was the Curved Dash Oldsmobile priced at $650.00.
3. In 1924 a Ford automobile cost $265.00.
4. It would take about 157 days to drive to the moon at 60 mph.
5. Most car horns beep in the key of “F”.
6. The National Highway Traffic Safety Administration made it the law in 1968 that seat belts be put in all newly manufactured cars.
7. The first auto insurance policy was purchased in 1897.
8. On 21 November, 1985 someone actually removed & replaced a car engine in a Ford Escort...in 42 seconds!
9. The first Japanese car in the United States was the Honda Accord manufactured in November 1982.
10. 55 percent of the cars in the world in 1916, were Model T Fords
11. An airbag moves up to 4500 mph within a second when triggered. They are designed to explode at an impact speed of 19 mph and they inflate within 40 milliseconds of a crash.
12. The first Porsche 356 was introduced in 1948
13. Ferrari makes a maximum of 14 cars every day.
14. There were only 107 models of the Ford GT40 made of which only 7 were road cars.
15. The first car radio was invented in 1929.
16. Luxembourg has the most crowded roads in Europe with 570 cars per 1,000 people.
17. The first cars used a lever instead of a steering wheel.
18. In 1938 Buick introduced the first electric turn signals
19. Traffic lights were introduced in 1914 and were manually operated with an officer controlling them from a booth near the intersection.
20. The first car race in the United States was held in Chicago in 1895, 6 cars lined up. The winner was J. Frank Duryea, whose average speed was 71.5 miles per hour.
21. The first gas gauge appeared in cars in 1922.
22. The world’s cheapest car is Tata’s Nano in India about $2500.00
23. Year after year the Honda Accord tops the list as the most frequent car stolen in the U.S. along with the Cadillac Escalade, Honda Civic, Toyota Camry and Ford F-150.

24. 173 new inventions by women for cars had been reported in 1923. 2 of them were an electric engine starter and a carburetor
25. The automobile is the most recycled consumer product in the world today.

Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook, Twitter and Linkedin.
License # 0F00702

Don't Turn on Your Oven!

Don’t turn on your oven this summer…Instead grill everything!
Whether you use a small barbeque or a built-in outdoor kitchen, as long as you have a heat source, you can make a variety of tasty healthy recipes.
Grilled vegetables make a great side dish and you can cook them in many different ways, such as directly over the heat, threaded onto skewers or in foil with seasoning.
You can grill bell peppers, onion, mushrooms, tomatoes, zucchini, asparagus, eggplant, corn on the cob and so much more. (Adding chunks of pineapple can add a lot of sweetness and flavor). You can grill vegetables without any fat, such as butter or oil, which can be a very healthy choice. You can even grill pizza!
Here is a sample of an entire meal without turning on the oven…
Peach Salsa to accompany your favorite Grilled Chicken, Pork or Fish
Ingredients:
• 2 cups diced peeled peaches
• 1 medium lime or 1/2 tablespoon lime juice
• 1 to 2 teaspoons finely minced fresh jalapeño chile pepper
• 1 tablespoon chopped fresh cilantro
• 1 clove fresh garlic, minced
• 1-2 tablespoons peach nectar
• Dash salt & freshly ground pepper
• Honey, to taste, if desired
Combine all salsa ingredients. Let stand approximately 45 minutes or refrigerate for a few hours before serving. Top on your choice of Grilled Chicken, Pork or Fish
Serves 4 to 6.

Healthy Fresh Corn on the Cob wrapped in Aluminum Foil
Ingredients:• Corn on the cob
• Olive oil
• salt and pepper or any of your favorite seasonings
1.Preheat an outdoor grill for high heat.
2.Husk each piece of corn, rinse & dry.
3.Roll each ear of corn in olive oil & season with your favorite seasoning.
4.Wrap tightly in aluminum foil. Place on the prepared grill. Cook approximately 30 minutes, turning occasionally, until corn is tender.

Medley of Grilled Vegetables
Pre-heat grill to your normal grilling temperature.
Wash and dry vegetables of your choice. Chop into 1 inch pieces or larger. Place in a large bowl, drizzle with olive oil & seasoning, toss until evenly coated.
Lay out a medium to large sized sheet of aluminum foil, it’s best to use heavy duty foil, and spray with non-stick spray. Pour your vegetables out onto the foil sheet and then cover with an equally large piece of foil. Fold the edges up, fold the edges together and crimp them up so you have a sealed pouch that will not leak liquids or steam.
Grill for approximately 20 minutes, flipping the pouch over after 10 minutes.
Be sure when you take foil off vegetables you wear oven mitts to protect from steam.
If you are grilling other items like steaks or burgers give yourself at least 20 minutes to grill your vegetables. Time your meats or other sides accordingly.


Grilled Salad
•2 Heads of Romaine Hearts
•2 Tbsps Olive Oil
•8 Tbsp Vinigarette Dressing
•¼ Cup Gorgonzola Cheese

Wash, dry, then cut the romaine in half, lengthwise keep the end in tact so it stays together. Rub the outer exposed leaves with olive oil to prevent scorching. Sprinkle cheese inside the leaves. Place on hot grill for about 2 minutes then flip over for one more minute. Place romaine on the top shelf of the grill so the bottom doesn’t cook any more. Close the lid for just a minute or 2 until the cheese starts to melt. Drizzle with your favorite dressing. Serve immediately.

Grilled Bananas
• 4 bananas
• 1 tablespoon lemon juice
• 1 cup brown sugar
• 1 teaspoon ground cinnamon
• 2 cups vanilla ice cream

Preheat grill for low heat.
Halve each of the bananas lengthwise, then widthwise. Sprinkle bananas with lemon juice. Mix brown sugar and cinnamon together in a small bowl. Roll banana pieces in mixture until well coated.
Lightly oil the grill grate. Arrange bananas on preheated grill, and cook for 3 minutes per side.
Try pouring a drop of your favorite topping over the bananas or ice cream just before serving

Don’t Drive Without Automobile/Car Insurance

Be responsible,don't drive without automobile/car insurance.
It is a crime in most states to be driving without automobile insurance. You may face serious penalties for driving without it, especially if you get in an accident. If you do not have proof of insurance at the scene of an accident, you will have to present proof when you go to court. If you do not have proof of insurance when you go to court, you may be fined, and fines for driving without insurance can be heavy and vary by state.
If it is discovered you are driving without proper insurance in the State of California they will suspend your driver's license or your license plates. License plate suspension can included impoundment or immobilization of your vehicle for at least 30 days.
The lack of insurance can leave you personally liable for any damages or injuries caused by an accident, which can ruin you financially. You can be sued personally for any damages or injuries that occurred in an accident where you were at fault. You can lose your home and any other property you have if you do not have the money to cover the amount you owe. Depending on the amount of damage done.
Douglas Motz Insurance Agency writes insurance in the state of California including Riverside County, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Indian Wells, Bermuda Dunes, La Quinta, Indio and all of the desert cities.
Doug Motz at Douglas W. Motz Insurance Agency at 760-200-0270 or go to http://www.DougMotz.com License # 0F00702 43875 Washington St. Suite A, Palm Desert, CA 92211

Summer Travel Tips

Hotel/Motel Tips for Travelers
By: Douglas Motz Insurance Agency
Are you planning a stay in a hotel or motel this summer, if so here are some useful safety tips:
♦Stay in hotels on well-traveled streets in safe areas of the city of your destination.
♦Before you go anywhere familiarize yourself with its location. Take a business card or a piece of stationary from the hotel with their name and address; this can help you in the event you get lost.
♦Lower level floors are safer in case of fire; however, you should avoid the first floor as it is the best location for break-ins.
♦Get yourself familiar with the location of stairways, fire escapes routes, emergency exits and alarms.
♦If a fire starts be sure to take your key before leaving the room, since most hotel room doors automatically lock. Never use the elevator during a fire. If there is heavy smoke in the stairwell walk up to the roof fire exit. If there is heavy smoke in the hallway and the exits are blocked it is better to go back to your room. If there is smoke in your room, open a window and turn on the bathroom vent. Call the front desk to tell them where you are, or call the fire department to report your location in the building. Hang something out the window as a signal, for instance, a bed sheet. Fill the bathtub with water to use for fire fighting. Stuff wet towels into cracks around doors or where smoke can enter. Place a wet towel over your mouth and nose to help filter out smoke.
♦Do not use your name when answering the phone.
♦Put the “Do not disturb” sign on your door whenever you leave your room for the day, it will give the impression you are in your room.
♦Always keep your hotel room door locked. Never invite strangers into your hotel room. Before opening the door to a stranger, verify who it is.
♦Never leave your valuables where hotel employees can see them. If there is a safe in the room use it.
♦Be observant when returning to your hotel at night, use the main entrance.
♦Do not stay out on the streets late at night. Walk on well-lit streets. If necessary, arrange for taxi service.
♦Do not assume that because the hotel you are staying at is in a safe neighborhood that all of the surrounding areas are safe. Check with the hotel’s employees to see if there are unsafe areas to stay away from.
For more safety tips call Doug Motz at Douglas Motz Insurance Agency @ 760-200-0270 or go to www.DougMotz.com. Check out our blog at www.DougMotzInsurance.blogspot.com and follow us on Facebook!
License # 0F00702

Buying a New Home?

Buying a New Home?
Don’t forget to include the costs of homeowners insurance.
Whether you are a first time home buyer, looking to downsize to a smaller property or considering the purchase of a second home, do not forget to factor in the potential insurance costs of the home you are considering buying when calculating the overall price of owning the house. Insurance is something that is often overlooked when factoring in costs.
Most people tend to focus on schools, neighborhoods, restaurants, shopping and property taxes.
Since you will be paying for insurance as long as you own your property, you need to factor the cost of insurance into the home buying process.

Here are a few questions to ask prior to buying which could affect the cost of your insurance premiums:

♦Is there a history of earthquakes?
♦Is the house in a flood zone?
♦Is the house vulnerable to wind damage?
♦How close is nearest fire department?
♦What is the condition of the plumbing and electrical systems?
♦Is the house well built, well maintained and up to code?
♦Does the house have a swimming pool or other water feature?
♦ What is the condition of the plumbing and electrical systems?

Don’t wait until the last minute. Ask your insurance agent if the house will qualify for insurance, and get an estimate of the premium. The sooner you act, the smoother the process will be. If you are getting ready to close escrow on a house or need a quote on your existing home call Doug Motz @ Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook.

License # 0F00702

Memorial Day

Memorial Day is a day of remembrance for those who have died serving our country.
God Bless America. And God Bless Our Troops!

Click It or Ticket

Click It or Ticket:

California's "Click It or Ticket" seatbelt enforcement campaign is in full force of area highways during the weeks of May 24 through June 6.
Law enforcement throughout the state will be looking for unbelted drivers and passengers.
Fines have increased this year, adult seat belt violations are $142 for the first violation and the fine for children under the age of 16 is $445 for the first violation. If the parent is not in the car, the driver gets the ticket. Don’t put your life at risk or your family or friends' lives at risk. Buckle up!

Keep Man's Best Friend Safe in the Desert Heat!

You might be tempted to take your pet with you in the car while you are doing errands since the weather is so nice right now in La Quinta, Palm Desert, Indian Wells, Rancho Mirage and the rest of our beautiful desert cities. But, the inside of your car can reach 120 degrees in a matter of minutes, even if you're parked in the shade. To avoid any chance that your pet will succumb to the heat of a car be sure to play it safe by leaving your pet cool and refreshed at home while you're running your errands.

Trembler. Earthquake. Aftershock

Facts about EARTHQUAKE insurance in California.

Why would I need earthquake insurance?
Under your Homeowners policy, damage or loss to your home is not covered as a result of an earthquake. To protect your home and belongings from loss resulting from an earthquake you may wish to purchase earthquake insurance from a participating California Earthquake Authority (CEA) company. Also, if you own a condominium or rent a home or apartment you must purchase separate earthquake insurance with a participating CEA company to protect your personal belongings. You are the only one who can decide if this coverage is right for you. Are you willing to risk your investments?

The California Legislature created the California Earthquake Authority (CEA) in 1996-a privately funded, publicly managed insurer to offer basic earthquake coverage for homeowners, tenants/renters, mobile homes and condominium unit owners. A CEA policy provides specific living expenses and limited replacement dollars for earthquake-damaged personal belongings in addition to providing rebuilding benefits for major structural damage to your insured residence.

Where can I purchase a CEA policy?
Participating private insurance companies and their agents offer and service CEA policies. With each homeowners policy sold, companies who do not participate in the CEA are still required to offer earthquake coverage

Important Information
You must have your Homeowners, Condominium unit or Tenant/Renters insurance with a participating CEA company to purchase earthquake insurance The earthquake coverage amount for your residence structure must be the same as you have on your Homeowners policy. The CEA policy pays for repair or replacement of the dwelling, but not for damage to pools, spas, patios, fences and detached garages.

How much does CEA coverage cost?
CEA premiums will vary according to certain factors like where you live, the age and construction type of your residential property. Your insurance company or agent can give you an exact quote.

Give us a call if you would like further information about being properly insured for an earthquake. Our office number is 760-200-0270

How much do you REALLY know about LIFE INSURANCE

When you get life insurance, you may think it will never be used or that it is an investment for later on. But Life Insurance is not for you. It is something you do for your family, your spouse, your kids or your business. It's a way to help your loved one's when you are not there. It's a security blanket kind of thing. Even though you think you are never going to use it, it's good to know that it's there.

Life Insurance can be an important tool in the following situations:


Income replacement for dependents- Life Insurance can replace your income in your untimely death, especially if your family depends on your income. This is so important for parents with young children and/or couples in which survivor would be financially stricken by the lost income through the death of a partner. Also, to dependent adults, such as parents, siblings or adult children who continue to rely on you financially.

Create an inheritance for your heirs- You can create an inheritance by buying a life insurance policy and naming your heis as beneficiaries, even if you have no other assets to pass on to your heirs.

Pay burial costs- Life insurance can pay funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

Create a savings plan- Some types of Life Insurance create cash valuethat, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request.

Pay Estate Taxes- Pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance.

Make significant charitable contributions- YOu can name a charity as your beneficiary.

Don't wait until you can't qualify for life insurance. Call today for more information about information about what Doug Motz Insurance Agency can do to help you and your family. 760-200-0270

Doug W. Motz is affiliated with Farmer's Insurance & Financial Solutions

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