The March 2018 update of Mike Stromsoe’s The Protection Coach® has arrived. This issue is jam-packed with all the latest news and tips for clients and friends of Stromsoe Insurance Agency.
The Protection Coach® –March 2018 (Click Here to Download)
Inside this edition..
Can you believe its time to draw the first WINNER in our ALL NEW Inspire Happiness By Making A Difference in 2018 Referral Rewards Program?! We are so excited!! Mike Stromsoe, The Insurance Doc, and teammate Erica Gates will be drawing our next winner.
Drum Roll Please….
You could win a $100 Amazon gift card and a $50 donation to YOUR favorite charity just by referring others to Stromsoe Insurance Agency!! Thank you for all your kind referrals. We couldn’t be more grateful! Have them call 951-600-5751 and mention your name today!
What more can we do for you?
Gratefully,
Mike Stromsoe and the Stromsoe Insurance Total Protection Team
Its November…the month of Thankfulness! Mike Stromsoe, and teammate Krista Clements are ready to draw our next WINNER in our 2017 Inspiring Happiness Referral Rewards Program.
Our Total Protection Team would like to THANK YOU for all of your kind referrals to our team. We couldn’t be more grateful!
If you have anymore questions or comments, please just let us know. You can reach our team at (951) 600-5751 or email [email protected].
What more can we do for you?
Gratefully,
Mike Stromsoe and The Stromsoe Insurance Total Protection Teamt
Your roof offers protection from nature: things like rain, strong winds, beaming sun, hail, snow, and everything else in between. But sometimes a roof can reach the end of its life without experiencing much stress. Replacing an old roof is necessary to avoid any potential dangers that may arise from ignoring the calls from your roof. Here are a few signs from your roof telling you that you need to replace it.
Make sure that you see your roof’s signs and get your roof replaced if need be. Home insurance may not cover your roof for natural wear and tear, but it’s still important to have one to protect you in case it does get damaged by a covered peril. Contact Stromsoe Insurance Agency for all of your insurance needs today!
Going green has quickly become a way of life. From reusable bags at the grocery store to hybrid vehicles, you can be more environmentally friendly in almost every aspect of your life. Not only can going green help the planet, but it can also help you save money. Consider these green insurance policies that can help you start saving some green.
For your home:
For your vehicle:
For all of your insurance coverage needs, whether you are ready to make the jump to being more eco-friendly or not, contact the insurance professionals at Stromsoe Insurance Agency. We can help you find the right California insurance policies, all at the right price.
There is no way to deny that El Nino is here. With the recent storms that drenched Southern California, there has never been a better time to ensure you are ready for whatever Mother Nature has in store for the rest of the storm system. One of the most important steps you can take is to create a plan of how to handle a flash flood. This guide to floods and your insurance coverage can help to keep you safe when the water starts rising.
If a flash flood watch is issued, it does not mean that a flood is currently happening. It simply means that the conditions are right for a flash flood to occur. During a flash flood watch, listen for any weather updates and emergency instructions. You should also have a plan of where to go if a flash flood does occur.
A flash flood warning is issued when a flash flood is imminent or is currently happening. During a flood warning, you should get to higher ground and listen to your TV or radio to find out if you need to evacuate. If you are at home, unplug all electrical appliances and turn off gas and electricity at the main source. If you are driving, avoid driving through flood waters, even if they look shallow. Water that is deeper than 2 feet can easily sweep your car away.
Keep in mind that your home insurance policy will not provide any coverage for damage that is done during a flood; only a flood insurance policy will. For all of your insurance coverage needs to keep you safe and dry this El Nino, contact Stromsoe Insurance Agency. We will work with you to ensure you have the coverage that you deserve, all at the right price to fit your budget.
If a natural disaster were to destroy your home structure, you may be forced to move out of your home until it’s repaired. When you cannot live in your home because of a loss covered by your home insurance policy, such as a hurricane or tornado, your insurer is able to reimburse you for certain expenses that you occur while you’re living away from home. This is called additional living expenses coverage.
What does this coverage include?
The additional living expenses coverage in your home insurance is designed to cover the costs associated with loss of use of your home, including those of a hotel room, restaurant meals, and transportation.
How am I reimbursed?
You must file a claim with your home insurance company as soon as possible. Generally, this coverage will pay for the gap between pre- and post- disaster housing and food. For example, if you usually spend $500 a month for food, but you now spend $750 because you have lost use of your kitchen and must eat out, your insurer will may pay for the $250 difference.
What is not included?
Items that are not considered additional living expenses are belongings such as toiletries, clothing, temporary repairs to your home, entertainment expenses (unfortunately, going to the movies because you’ve lost use of your TV doesn’t count!), and your normal mortgage bills.
Can I obtain coverage if my home was damaged by a flood?
The damages caused by floods are not covered at all in home insurance policies, and most separate flood insurance policies do not provide additional living expenses coverage. Talk to a trusted insurance agent for advice on obtaining coverage.
So that your additional living expenses are covered by your California home insurance in the event of a disaster, contact Stromsoe Insurance Agency.
Insurance companies value customer loyalty. One of the most visible ways they recognize their loyal customers is by offering discounts. Every state in the country requires that drivers have at least the minimum required car insurance.
Likewise, if you own a home, especially if you got a mortgage to help you make that purchase, the lender will require that you have homeowners insurance.
Smart insurance companies capitalize on these requirements by offering you a “bundle discount.” As a consumer, that means saving money. If you have an auto insurance policy with your insurer, and you purchase a home and opt to purchase your home insurance from the same insurer, they want to keep you as a customer, because the more policies you purchase from that company, the better it is for them. So they give you a discount, and you see that discount when your car insurance premiums are lower than they were before you added the homeowner’s insurance.
It isn’t just that you get a discount on your car insurance. By bundling your policies together, you may be able to make payments on both premiums at the same time, and not have to make payments for different premiums on different dates to different companies.
If you’re looking for deal that will give you a bundle discount on any of your insurance policies, contact the Stromsoe Insurance Agency to discuss the best options for you.