Tag: holiday gifts

Tips For Insuring Your Holiday Gifts

Posted on by butlervetinsurance

Scheduled Personal Property Coverage

As you enjoy looking lavish in your new expensive gifts and your children continue running around the house playing with their new holiday gifts, it becomes increasingly more important that you add insuring your holiday gifts to your to-do-list. Many individuals fail to realize the importance of this task, assuming they have coverage through their homeowners insurance policy.

In reality, your homeowners insurance policy comes with a limited amount of coverage for your personal belongings, therefore, you may find out that you are lacking coverage when you are in need of it most. Imagine the terror of purchasing a brand new gaming console for your children only to have it ransacked by a criminal who noticed the Xbox packaging in your dumpster. Not only would you be short the money spent on the console, but you would also have to file a homeowners insurance claim.

Scheduled personal property coverage provides homeowners with a logical solution to insuring valuables. Each scheduled item under this form of coverage will be appraised by a professional, so that your insurance provider can reimburse you for any losses at replacement cost value. This means that the depreciation of the item will not be calculated when it comes time to reimburse you for a loss.

Items worth scheduling include but are not limited to fire arms, family heirlooms, jewelry, collectibles, electronics, and fine art. Through this form of coverage, items are replaced to you whenever they are damaged, stolen, or simply misplaced.

If you are ready to start insuring your valuables for what they are worth, please do not hesitate to give us a call. Contact Stromsoe Insurance Agency for all of your California homeowners insurance needs. We can add scheduled personal property coverage to your policy so that insuring valuables becomes a simple task.

Safety Tips for Holiday Shopping

Posted on by butlervetinsurance

With the holiday season just around the corner, you must think about how you will remain safe while completing your holiday shopping to-do-list. While you may be inclined to assume that everyone is in the holiday spirit, there are an overwhelming number of criminals that take advantage of joyous people during this time. We want you to remain safe all year long, which is why we have gathered these important safety tips for holiday shopping:

  • Make sure to always be aware of your surroundings so that you can report suspicious activity immediately. If you see someone lingering around the parking lot, contact the authorities right away. It is always better to be safe than sorry!
  • If possible, try to purchase all of your holiday gifts with the same credit card. This will not only make it easier to track your spending, but it will also make it so that you can respond to fraudulent activity faster and with more ease.
  • It is imperative that you never leave any of your valuables in plain sight. This means putting all recent purchases in your trunk and out of sight. A criminal will find it hard to pass up the temptation if you have a load of Nordstrom’s shopping bags in your back seat.
  • If possible, do not pass over your credit card to the store clerk. Many of these employees are seasonal hires so they cannot be trusted as easily. Therefore, sliding your own card whenever you can is the best way to keep your personal information secure.
  • Where you park is extremely important. If possible, park in the front of the structure in a well-lit area so that criminals cannot hide in dark corners and approach you when you are least expecting it. Also, if you will be leaving the mall or boutique after the sun has already set, make sure to have a security guard walk you out to ensure safety.

Happy Holidays! We hope these important safety tips for holiday shopping allow you to enjoy the holiday season worry-free! Contact Stromsoe Insurance Agency in Murrieta for all of your California insurance needs.