Tag Archives: insurance

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.

Protecting Your Boat and RV This Summer

RV and Boat Insurance

Even though the official start of summer is still a couple of weeks away, the temperatures are already rising, which means it is the perfect time to start planning for your next vacation. While taking your RV and boat out of storage, it is important to make sure that you are protected from any peril on the road or water with the right insurance policies.

No matter if you have a motorhome or a trailer, your RV needs to be protected with the right insurance policy. Investing in a separate RV insurance policy that will provide the most coverage while you are away from home. If you have a smaller trailer, you may think that you can rely on your auto insurance coverage to protect your trailer while you are away. While you are towing your trailer, your auto insurance will provide coverage for your trailer while it is being towed. However, once the trailer is unhitched, you will not have any coverage. Choosing a separate policy can help to ensure that you have the coverage that you deserve.

If you are headed out on the water with your boat, your boat will need to be covered by a specific boat insurance policy. There are many coverage options to consider with your boat insurance policy, such as personal property coverage that will replace any lost or damaged items in your boat during an accident. Talking with your insurance agent can help to ensure that you invest in the right amount of coverage for your boat this summer.

For all of your Southern California boat and RV insurance needs, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to make sure that you have the coverage that you deserve, all at the right price.

Workplace Safety Rules

Do Not Let Slips & Trips Harm Your Holiday

Keep The Season Safe By Avoiding Common Workplace Injuries

A little slip in the parking lot or trip over the corner of a rug may not seem like a big deal, but the National Safety Council reports that 25,000 trip, slip, or fall accidents occur each day in the United States. Accidents of these kinds on the same level are the second leading cause of workplace injuries. Save yourself and your employees from hazardous situations with increased awareness around these types of incidents.

Take a walk around your business property. Are the walking surfaces uneven or marked with holes and cracks? Do puddles collect in certain areas? Are the walkways, sidewalks, and parking lots properly lit? Walking your property with an eye to potential safety hazards will help you understand the risks on your business site so you can properly address them.

How can you increase the safety of your location? Make sure all entryways offer a place to wipe off wet shoes, and that mats are secured. Provide janitorial staff with “Wet Floor” signs to mark potentially unsafe areas after cleaning. If you have a slippery floor surface like high-gloss tile or smoothly polished stone, consider investing in runner rugs for the main walkways.

In the event someone does trip, slip, or fall make sure the accident is documented. Take down the names of all of the people involved in the situation and take photographs of the hazardous area. Not only will this help you avoid similar accidents in the future, but this information could come in handy if an insurance or workers’ compensation claim is required.

Make sure your company is protected with the business insurance it needs by contacting California-based Cappuccino Insurance Agency today! Serving Westlake Village and all of Conejo Valley, our dedicated team is here to help you secure the coverage you need to make your work community a safe place.

Seismograph instrument recording ground motion during earthquake

Understanding Earthquake Insurance and Its Importance

You never know when mother nature is going to shake her fist and throw a natural disaster your way.  From wind to floods to earthquakes to wildfires, she has many faces.  One way that you can protect yourself, however, is by purchasing the right type of insurance.  For example, if you live in an area that is prone to flooding, flood insurance would be valuable.  For those of you who live in areas prone to earthquakes, earthquake insurance can prove to be much more valuable than you’ve ever imagined.

When an earthquake takes place, the ground shakes.  These shakes and tremors can be felt for hundreds of miles, and many times, they will cause much damage.  Even a small earthquake can crack one or more walls in your home, and repairs could cost thousands of dollars.  With earthquake insurance coverage, though, any damage endured during an earthquake would be covered.  You wouldn’t have to worry about coming up with funds to make any repairs because your insurance would pay for them.

If you have found yourself shopping for an earthquake insurance policy, one thing you need to take into consideration is your deductible.  The higher your deductible, the lower your monthly premium.  While a lower premium might seem enticing, you need to remember that if an earthquake does occur and you have to make a claim, your deductible will have to be paid first before your benefits will kick in.  Many times, even when lowering your deductible a bit, your monthly rate won’t increase all that much.  Doesn’t it make more sense to pay a monthly premium amount of $28 with a $500 deductible than $19 for a $1500 deductible?  Of course it does.

If you have questions relating to earthquake insurance in Conejo Valley, California, please don’t hesitate to contact Cappuccino Insurance Agency today.