Memorial Day is a day of remembrance for those who have died serving our country.
God Bless America. And God Bless Our Troops!
Friday, May 28, 2010
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!
Monday, May 24, 2010
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!
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!
Tuesday, May 18, 2010
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.
Monday, May 10, 2010
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
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
Friday, May 7, 2010
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
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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