Tag Archives: conejo valley

The Best of Earthquake Preparedness Month

California is known for its great beaches, fine wines, and… earthquakes. It’s been a while since we’ve experienced a quake of notable size (1994, to be exact), but out of all of the states in the United States, we’re still the earthquake capital.

It’s a fact that some Californians take pride in… because you just can’t find quakes like ours in places like Ohio.

CA Rocks Tee                Screen Shot 2016-04-15 at 1.33.45 PM

Why is April designated Earth Quake Preparedness Month?

On April 18th, 1906 San Franciscans were shaken from their beds as they experienced, a reported, 8.3 quake. The rest is California history.

So in the month of April, organizations like shakeout.org and ready.gov bring awareness to an issue that we’re not usually thinking about until the ground beneath our feet is, literally, moving.

Check out this earthquake PSA from Dwayne Johnson, aka The Rock.

How likely is an earthquake?

If you’re in California an earthquake of some magnitude is inevitable, at some point. People have been speculating about “the big one” for some time. Apocalyptic scenarios have been the subject of major motion picture films and alarmist news stories, like this recent story from ABC news.

But the USGS (United States Geological Survey) would like to remind us that no one can predict earthquakes. And while they’re on the subject, no, California will not fall off into the ocean if there is a big enough quake.

How to Prepare for an Earthquake… Really

We’ve scoured the Internet for some solid sites offering tips for earthquake preparedness…

The Red Cross, How to Prepare

How to Create an Emergency Kit

How to Create an Emergency Kit

Download the Red Cross Earthquake App

Cappuccino Insurance Earthquake Tips

Should you have Earth Quake Insurance?

Since we’re an insurance agency, we’re usually thinking about insurance. It’s what we do.

Most California homeowners are aware that if your home is damaged in an earthquake, your regular insurance doesn’t cover it. The California Earth Quake Authority is one agency, among others, that offers insurance.

But should YOU have earthquake insurance?

Maybe. It depends.

It depends on…

  1. Where you live. Do you live in a high-risk area? (If you live in California you have to raise one hand, but if you live on a fault line, you have to raise both.)
  2. How much equity you have in your home. If you have 20% equity or more, it’s time to start looking.
  3. If it’s it worth it for you. Some policies require you to pay a 15% deductable before you start rebuilding.

Deciding if earthquake insurance is right for your and your home requires a little math and personal assessment.

We’re here to help.

cappuccino-logo

 

Would You Be Covered For These 3 Auto Insurance Claims?

Auto insurance will cover a number of strange incidents while on the road.

Auto insurance is one of the most common insurance policies out there. From claims of fender benders to stolen vehicle claims, many people know the basics of what their policy will cover. However, your car insurance policy will also provide coverage for some strange issues. Keep these strange auto insurance claims in mind to see if you have the protection that you deserve.

  1. Three car pile up caused by a mattress – a couple forgot to tie down their mattress to the top of their vehicle before taking off. As they were driving down the freeway, the mattress came loose and landed in the middle of the road, causing a three car pile up. Unfortunately, the three affected drivers did not have uninsured motorist coverage, leaving them to cover the repairs on their own after the mattress owners left the scene.
  2. Hail insurance fail – after a heavy hail storm in the 1990s, one driver made a claim to their car insurance company for hail damage. After looking at the damage, and insurance adjuster found out that the damage was actually caused by a ball-peen hammer. After the claim for hail damage was denied, the owner of the vehicle then made a vandalism claim to their auto insurance policy for the ball-peen hammer damage.
  3. Shotgun rider – one man made a claim to his auto insurance company after his shotgun fell out of his hands and destroyed the entire cab of his truck. He didn’t know if the gun went off when it hit the ground or when his hand slipped while grabbing for the weapon. Luckily, his comprehensive coverage paid for the necessary repairs.

To ensure that you have the right Conejo Valley auto insurance policy to provide coverage for any incident that you may encounter, contact the independent insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Don’t Miss Out On These Holiday Events!

The whole family can enjoy these local events!

Living in the Conejo Valley gives you access to tons of fun, holiday events that you can enjoy with the whole family. Mark your calendar for these holiday events around the Conejo Valley that are sure to get you into the holiday spirit.

Let your furry friends get celebrate the season with Santa Paws at The Collection at Riverpark! Get your pets picture taken with Santa on December 16th from 6 p.m. until 8 p.m. All well-behaved pets and their people are invited out to take part in the exciting event.

The 29th Annual Ventura Harbor Holiday Parade of Lights & Fireworks is taking place on December 18th and 19th. The harbor will be lit up as boats with thousands of sparkling lights float on the water. The theme of this year’s event is “Surf, Sand & Santa,” and is sure to be one of the best events of the season.  The event will also include seaside shopping and dining and a carnival until the sun goes down.

On Sunday, December 20th, get your heart pumping with the 4th Annual Holly Jolly Half Marathon, 5K, and 10K in Camarillo. The course takes participants over rolling hills and along the paved bike path through the surrounding Camarillo neighborhoods.

All of us at Cappuccino Insurance Agency in Westlake Village, California would like to invite you and your family out to all of these exciting local events!

Going On Vacation? You Need To Know These Tips

Fully enjoy your holiday vacation with these home security tips.

The holidays are one of the busiest travel times of the year. No matter if you are headed to visit friends and family, or escaping all of the holiday madness on a tropical beach, leaving your house empty while you are gone can be very dangerous. Keep these holiday home security tips in mind to keep your house protected.

While you are getting ready:

  • Load your luggage in your garage if possible so any potential burglars don’t see that you are leaving. If your garage is not an option, load your luggage into your vehicle as fast as possible.
  • Let your neighbors know that you are leaving and how long you will be gone. Ask them to keep an eye on your house and call the authorities about any suspicious activity.

Make your home look occupied:

  • Install a few timers on lights in your house to go off at different times of the night. You may also want to install a timer on a radio or TV so that your house sounds occupied.
  • Keep your blinds and curtains at their normal positions. If you keep your blinds open, make sure there are not valuables that are visible through your windows.

Don’t be a target for thieves:

  • Do not post on social media how long you will be gone or when you are leaving. Thieves regularly look on social media sites and will know just how much time they have to break into your house.
  • Bring any hidden keys inside or give them to a trusted neighbor to check on your house while you are away.

Having the right homeowners insurance policy will help to keep your home protected while you are away. Contact Cappuccino Insurance Agency in Westlake Village, California for all of your Conejo Valley home insurance needs.

Mark Your Calendar For These December Events!

Local December events that the whole family will enjoy.

With your days filling up with prep for the upcoming holidays, it can be easy to get a little stressed out. To help you relax and enjoy time with your family, head out into the community and check out these Conejo Valley local events!

On December 6th, check out the Holiday Boutique at the Oak Park Community Center. The Boutique runs from 10 a.m. until 5 p.m. and is hosted by the Cancer Support Community Valley/Ventura/Santa Barbra. Part of the proceeds will help to benefit local programs of education, support, and hope that is provided by the Cancer Support Community. The free Boutique will feature tons of unique holiday gifts, hand-crafted items, and décor.

The 54th Annual Camarillo Christmas Parade and Holiday Carnival is taking place on Saturday, December 12th and is not an event that you want to miss out on. Starting at 10 a.m. at Las Posas and Temple Avenue, the parade will travel down Las Posas and turn left on Carmen Drive, ending at the Camarillo Community Center. The parade will feature bands, floats, cars, and much more! Make sure to stick around after the parade to enjoy Santa’s Village Holiday Carnival at the Camarillo Community Center from 9 a.m. until 2 p.m., which will include inflatable attractions, carnival games, live entertainment, arts and crafts, food vendors, and more!

All of us at Cappuccino Insurance Agency in Westlake Village, California would like to invite you and your family out to enjoy these exciting events!

Open Enrollment Has Opened

Don’t miss the deadline to sign up for health insurance through open enrollment.

Open enrollment is here! Open enrollment opened on November 1st and the deadline to sign up for a health insurance policy is January 31st. Open enrollment is the only time that you will have the chance to sign up for a health insurance plan, unless you have a qualifying life event. Along with the start and end dates of open enrollment, there are many other dates that you should mark on your calendar, including:

  • December 15, 2015 – the last day that you can enroll in a new plan or make changes to your policy in order for your coverage to start on January 1, 2016.
  • January 1, 2016 – the day that your coverage can start if you enrolled in a new policy by December 15th.
  • January 15, 2016 – the last day to enroll in a plan or make any changes in order for your coverage to start on February 1, 2016.

Any changes that you make to your policy or if you enroll in a policy between January 16th and January 31st will take effect on March 1, 2016.

Keep in mind that you can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) at any point throughout the year.

If you have a qualifying life event, you can enroll in a health insurance policy outside of the open enrollment period. Common qualifying life events including having a baby, getting married, or moving to a state that does not offer the health insurance that you are currently enrolled in. Talk with your insurance agent to find out if you qualify for a special enrollment period with a qualifying life event.

For all of your Conejo Valley health insurance needs to ensure that you meet the health insurance deadline, contact Cappuccino Insurance Agency in Westlake Village, California.

Questions for Your Annual Insurance Review

Determine if your current Westlake Village, CA insurance policies match your life needs.

During day to day life you may forget to update your insurance policies to match your updated lifestyle. Many think that paying your premiums and phoning your carrier when an accident happens keeps you protected, but if you change your lifestyle or value of your item, you will need to alter your insurance. A number of life changes and events should prompt you to call your insurance carrier and adjust your policy to maintain adequate coverage.

Here are five questions to ask yourself at least once a year:

1)    Have I updated my home?
If you added a room for your elderly parent, remodeled after the youngest child moved out, or added a pool in the back garden, your home value will increase. A higher home value will increase the cost of rebuilding the home, therefore your insurance should reflect the new home value and new risks.

2)    Have I bought significant purchases?
Expensive pieces such as a leather-couch, jewelry, and fine art should be covered by a homeowners policy or additional coverage. If the item is lost, damaged, or stolen, you may regret not opting for quality protection of it.

3)    What has changed with my vehicle?
Maybe you are driving a longer distance to work, or the garage finally has room to store the car overnight. Reviewing your auto insurance will ensure that you are not paying for what you are not using.

4)    What about my family?
When someone moves out or wants to be added to your auto policy, discuss it with your insurance agent for suitable coverage.

5)    Am I eligible for any discounts?
Simple steps can qualify you for discounts. This can include installing a burglar alarm for your home insurance, and parking your car in the garage for your auto insurance.

Remember that insurance policies should reflect the life you have now, not when you first signed up with your carrier. When looking for insurance policies in the Conejo Valley, California, visit Cappuccino Insurance Agency. We are located in Westlake Village and ensure that you receive complete coverage.