Tag Archives: Westlake Village

What’s in your Garage? And is it Covered…

Cappuccino Insurance Agency Boat and RV Insurance

As the weather warms up, everyone starts thinking about vacation. People start thinking about buying a boat or RV and those who are already owners take them out of storage, wipe the dust off, and get them ready for a road trip.

Boats are RVs are big investments you want to make sure they’re properly insured.

You could add your RV or boat to your auto policy, but be aware that it wouldn’t cover all the things you’d want it to cover. That type of insurance just covers the vehicle itself.

Some additional coverage you may want is trip interruption and theft.

Trip Interruption: Each policy is different, but in short, if your trip is postponed or canceled due to things like extreme weather, injury or illness, you can put in a claim for reimbursement if you have trip interruption on your policy.

Theft: If something is stolen from your RV or boat, it won’t be covered with your standard auto policy. Things like camping equipment and barbeques are expensive, and with the right policy they would be covered.

*If you own a home you could always put in a claim through your home insurance. Oftentimes, however, homeowners prefer not to, as this would impact their homeowner’s rates.

With boat and RV insurance, what happens on the boat or the RV stays on that policy, and doesn’t affect the homeowner’s policy.

Other: Things like awning and attachments are very likely not covered under an auto policy. As just the vehicle itself is covered under an auto policy, any other damage would be coming out of pocket.

Tows: What happens if you break down on the lake and need a tow? What if you just run out of gas? These services can be covered under your boat insurance.

Full Value: RVs can be insured for their “full value.” So if you bought that RV for $100,000, you can insure it for that same amount. This is different from a car, where your payout is lower as the car depreciates over time.

If own a boat or an RV, or are getting ready to purchase, get in touch and we can see what coverage is right for you and your vehicles.

Please feel free to pass this information on to a boat or RV-owning friend.

We are still offering a $10 incentive for referring a friend and last quarter we offered the bonus incentive of a culminating raffle for an i-pad. The winner will be announced on social media, so stay tuned!

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.

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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.

Do Retirees Need Life Insurance?

What everyone should know about life insurance before retiring.

The day that you retire should be one of the happiest days of your life. After working for many years, you finally have the time to enjoy the simpler things in life. However, before you reach your retirement, it is important to take the time to consider if you are financially ready to enjoy a slower lifestyle.

The main advantage of life insurance is being able to provide a tax-free inheritance for your heirs. That is not the only benefit, though. Life insurance can also offer almost interest-free loans that can help to create a tax-free income that you can use when you retire. You can also use your policy to help with extended living or assisted living costs if you invest in a permanent life insurance policy.

Even if you have a nice IRA or 401k to help pay for your retirement, you may still want to consider a separate life insurance policy. Most people underestimate how much money they will need when they retire, which can lead to serious financial hardships. Life insurance gives you access to tax-free money if you ever need it. As an added bonus, there are no complicated tax rules that you have to consider when you collect the money.

As long as you keep up with the premiums of your life insurance policy, you never have to worry about the policy being canceled. While other retirement funds may be at the mercy of the ever-changing economy, you can have the peace of mind that you deserve throughout your retirement with a life insurance policy.

For help finding the perfect Conejo Valley life insurance policy, contact Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure your policy meets all of your needs, all at the right price to fit your budget.

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.

Are You Ready For El Nino?

Keeping your house safe with the right flood insurance policy.

A Godzilla El Nino is expected to hit California this fall and winter, which will bring heavy rains. While this is great news in the current drought conditions, it could mean serious trouble for your house. Keeping your house and personal belongings protected with the right insurance policies can help to give you the peace of mind that you need through the storm.

While your home insurance policy will protect you from many unfortunate situations, it will not provide any coverage during a flood. You will need to invest in a specific flood insurance policy to cover your house from the damage that is done during a flood.

Typical flood insurance policies will provide coverage for the structure of your house. You also have the option to invest in coverage that will also protect your personal belongings. Keep in mind that the more coverage you invest in, the higher your premiums will be but the better protection you will have. Flood insurance policies have a 30 day waiting period before your coverage will kick in, so the sooner you invest in a policy, the sooner you can rest assured knowing that you are protected.

The cost of your flood insurance policy will depend on many factors, including how many people live in your house and the size of your home. It will also depend on where your house is located. If you live in a high-risk flood plain, you will have to pay more for your coverage than if you lived in a low to moderate risk area. Working with an independent insurance agent will make it much easier to find the right policy that will meet all of your needs at the right price.

For all of your flood insurance needs to protect your Conejo Valley house, contact Cappuccino Insurance Agency in Westlake Village, California.