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Moving This Spring? Make Sure To Invest In The Right Insurance

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Renter’s Insurance Coverage

Spring is the perfect time to find a new place to rent. No matter if you are searching for an apartment or a house to rent, you should also start looking for the right renter’s insurance policy to ensure that your new home is properly protected in case of any disaster.

Typical renter’s insurance policies have three main coverage options, including:

  • Personal property coverage – the insurance policy that your landlord has for your home will only provide coverage for the structure, not for any of your personal belongings that you keep inside. The personal property coverage that is provided by a renter’s insurance policy will provide protection in case your assets are stolen, damaged, or destroyed by a covered peril, such as a fire. If you have any valuable belongings, you may want to consider scheduling the items within your policy, which will provide additional coverage.
  • Liability coverage – the liability portion of your renter’s insurance will provide protection in case someone is injured while visiting your home. It will cover any legal expenses if they decide to sue you after the accident, as well as any medical bills that are associated with the accident. If you do not have liability coverage, your assets and savings may be put at risk after someone is injured at your home.
  • Coverage for additional living expenses – if your rental home is uninhabitable after a disaster, additional living expensive coverage will pay for a temporary living situation, such as if you have to move into a hotel. The coverage will also pay for any additional costs that are associated with having to move out, such as restaurant bills if you do not have a kitchen to cook in.

For all of your renter’s insurance needs when finding the perfect Conejo Valley home this spring, contact Cappuccino Insurance Agency in Westlake Village, California.

Protect Your Home When The Earth Starts Quaking

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Earthquake Insurance Basics

California is one of the most sought after places to make a home. However, those who already live in California know that the beautiful coastline and warm weather also come with the danger of experiencing an earthquake. Investing in a specific earthquake insurance policy is the best way to ensure that you and your family stay safe in case of an earthquake.

While your homeowner’s insurance policy will provide coverage for many perils, it will not provide any coverage for damage that is done during an earthquake, only an earthquake insurance policy will. Typical earthquake insurance policies will provide coverage for any type of earth movement, which can include sinkholes, mudslides, and mudflows. It is important to keep in mind that an earthquake insurance policy will not provide any coverage for a fire that is started due to an earthquake. However, your home insurance will kick in and cover any damages caused by the fire.

Earthquake insurance can be bought as a stand-alone policy, or can be added onto your home insurance as an endorsement. No matter which way you choose to protect your home, there are two parts to the policy. The first part will provide coverage for the structure of your home and the second part will provide coverage for your personal property. When looking for the right amount of coverage, make sure to take into consideration the value of your belongings. Using your home inventory can be a great way to ensure that you invest in the right amount of protection in case of an earthquake.

Contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California for all of your Conejo Valley earthquake insurance needs. We will work with you to ensure that you have the protection that you deserve when the ground starts to quake.

Smart Homes Are Closer Than Ever

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New Home Technologies

Smart homes may seem like something straight out of a science fiction movie. However, they are closer than ever before. With all the new home technology trends that are emerging, life at home is becoming easier than ever. Make sure to look out for these 2015 home technology trends to help bring your home into the future.

  • Nest Thermostat – programmable thermostats have been around for many years and can help you save hundreds of dollars on your energy bill each year. The Nest Thermostat has taken it a step further by learning your preferences, and then programming itself to follow them. You can also control the Nest Thermostat with your smartphone, ensuring that you always come home to a house that is the perfect temperature.
  • Keen Vent – along with thermostats, vents are now smarter than ever. The Keen Vent replace the existing vents in your house, and will open and close on their own to help reduce the amount of hot or cold spots throughout your house. As an added bonus, the vents come in a variety to beautifully designed vents.
  • Aros Smart Window Air Conditioner – window air conditioners may seem outdated, but they are making huge leaps into the future. The Aros system will learn your location and schedule by connecting to your smartphone, and will turn on the air right before you arrive at home to ensure that you do not walk into a hot house.
  • The Echo – much like Siri on iPhone, Amazon’s new personal assistance technology uses a voice recognition system that allows you to ask her questions from anywhere in your house, such as the weather for the day. It also has the ability to play music throughout your whole house.

For all of your homeowners insurance needs throughout the Conejo Valley to ensure that your home has the right amount of protection now and when smart homes are a reality, contact Cappuccino Insurance Agency in Westlake Village, California.

Happy National Nutrition Month!

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Healthy Eating Tips

March is National Nutrition Month, which is the best time to see what small changes you can make in your life to become a little healthier. National Nutrition Month was started to help bring attention to the need to make healthy food choices every day and find ways to add physical exercise to your daily life.

To help you make healthy nutrition choices this month, keep these healthy eating tips in mind.

  • Do not avoid carbs all together, but make sure to choose good carbs. The best way to find good carbs is in whole grains.
  • Pay attention to the package that your protein comes in. Poultry, fish, nuts, and beans are your best bet when looking for healthy proteins to add to your diet.
  • Look for foods that have healthy fats, while limiting your intake of foods that are high in saturated fat, and completely avoiding foods that have trans fat. Fish, nuts, and plant oils are some of the best sources of healthy fats.
  • Eat more vegetables and fruits throughout the day. When loading up on fruits and veggies, look for a variety of colors, including yellow, dark green, red, and orange.
  • Water will work the best to quench your thirst. Pass on sugary drinks, such as soda, and limit the amount of juice and milk that you drink each day.
  • The less salt your have in your diet, the better. Look for fresh foods that are not processed to help keep your salt intake low.
  • Adding a daily vitamin to your nutrition plan can help to ensure that you are getting the recommended nutrients. Extra vitamin D can help to add an extra healthy boost.

For all of your Conejo Valley insurance coverage needs to ensure that you stay healthy and safe, contact Cappuccino Insurance Agency in Westlake Village, California.

Different Types of Homeowners Insurance

Choosing The Right Policy To Protect Your Investment

When looking for the right homeowners insurance policy, you may be surprised to find that there are many different types of policies available, especially if you are looking for a policy for your first home. Knowing the differences between the various policies can help to ensure that you invest in the right policy that will provide enough protection for your new home. Keep these home insurance basics in mind to ensure that you choose the right policy.

  • HO-1 and HO-2 home insurance policies will only provide coverage for damages that are specifically listed on the policy. They will not provide any coverage for damage that is done to personal property within the home.
  • HO-3 home insurance policies are the most common type of home insurance and will provide coverage for all types of disasters except what is specifically excluded on the policy. It will also provide protection for personal property that is damaged, but only for specific types of damages that are listed.
  • HO-5 home insurance policies will provide the same amount of coverage as HO-3 policies but with expanded personal property coverage. Some insurance companies will not write HO-5 policies, but will offer a rider that can be added to an HO-3 policy to provide additional personal property coverage.
  • HO-4 and HO-6 home insurance policies will only provide coverage for personal property, and only for the specific damages that are listed on the policy. HO-4 and HO-6 policies are not traditional policies and are typically used to cover renter’s and condo owners.

For all your homeowners insurance needs throughout the Conejo Valley, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California.

Why You Need a Renter’s Insurance Policy

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The Importance of Holding Renter’s Insurance

Renting a home is a great way to have a space of your own, even if you cannot afford to buy a house. However, just like owning a house, renting a home comes with a lot of responsibility, including making sure that you are protected with the right insurance policy. Investing in a renter’s insurance policy is the best way to ensure that you and your assets are covered in case of an unfortunate situation.

Even though your landlord will have an insurance policy for your home, it will not provide you with enough protection. Landlord’s insurance policies only provide coverage for the structure of your home, not for your assets that you keep inside the property. The only way to protect your assets is to invest in a specific renter’s insurance policy.

A renter’s insurance policy will provide coverage for your assets if they are damaged in a variety of disasters, including fire and theft. Renter’s insurance will also provide you with liability coverage. Liability coverage will offer financial protection in case someone is injured while visiting your home. If someone slips on the stairs in your home and sues you for their injuries, the liability portion of your renter’s insurance policy will cover the cost of the lawsuit to ensure that you are not left financially devastated.

While you may not think that you have anything valuable enough to cover, consider your game console or flat screen TV. If your TV or game console was damaged in a fire and you do not have a renter’s insurance policy, you would be responsible for replacing those precious items. A renter’s insurance policy would cover the cost of replacing many of your assets that were damaged.

For all of your Conejo Valley renter’s insurance needs, contact Cappuccino Insurance Agency in Westlake Village, California.

Football Party Safety Tips and Delicious Recipe

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Your Guide To The Perfect Super Bowl Party

The last of the football playoff games are here, which means the Super Bowl is just a few days away. While you are routing for your favorite team, keep these safety tips and delicious recipe in mind to ensure that you and all of your friends can thoroughly enjoy the game.

Safety Tips

  • Never allow any of your friends to drink and drive home after the game. Make sure everyone has a sober ride home. Encourage all of your friends to stay after the game for a while to sober up.
  • Make sure to serve plenty of food throughout the game. Eating is one of the best ways to slow down intoxication. Also, make sure to serve non-alcoholic beverages to give your guests more choices when they are looking for something to drink.
  • If you are not sure if your food is contaminated from sitting out, throw it away. It is better to be safe than sorry when it comes food poisoning.

While keeping everyone at your party safe, try this delicious popcorn nachos recipe to keep everyone full and satisfied!

Ingredients:

  • ½ cup melted butter
  • 1 teaspoon crushed red pepper
  • 1 teaspoon ground cumin
  • 1 teaspoon paprika
  • 1 gallon popped popcorn
  • ½ cup shredded cheddar cheese

Directions:

  1. In a small bowl, mix together the crushed red pepper, butter, paprika, and cumin.
  2. Put the popcorn in a large bowl and sprinkle it with the butter mixture and cheddar cheese. Toss well and enjoy!

Having the right homeowners insurance is the best way to ensure that you are protected in case of any unfortunate incident during your football party. Contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California for all of your Conejo Valley home insurance needs.

Open Enrollment Deadline Is Almost Here

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Don’t Miss The Open Enrollment Deadline

Have you already signed up for health insurance for 2015? If you have not, there is no better time than now since the open enrollment period deadline is on February 15th. If you do not sign up for health insurance through open enrollment, you will be left without coverage for the entire year and will have to pay much heavier fines than in the past.

If you had enrolled in health insurance for 2014 through open enrollment, you have the opportunity to simply renew your policy for 2015. However, you should take the time to look at all the policies that are available since your policy may have changed, leaving you with less coverage and higher premiums. If you were automatically enrolled in a plan that has already began its coverage, you still have the opportunity to switch your plan any time before February 15th.

If you do not sign up for health insurance before February 15th, you will have to face very high penalties. The penalty for not having health insurance in 2015 is either $325 per adult in your household and $162.50 per child, or 2 percent of your total household income for the year (whichever amount is higher). The penalty will be paid through your 2015 federal income tax. Since federal income taxes are not typically filed until the following year, you will most likely pay the fine in early 2016.

The only way you can sign up for health insurance outside of the open enrollment period is if you have a qualifying life event. Some of the most common qualifying life events include getting married or divorced, moving your permanent residence to a different state, or leaving incarceration.

For all of your Conejo Valley health insurance policy needs for 2015 and to ensure that you have the right amount of coverage, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Congratulations To Our Winners!

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Insurance Referral Winners

Congratulations to our insurance referral winners! Karrie G in 1st place who won a brand new iPad, Mark A in 2nd place who won a $100 Target gift card, and Blair T in 3rd place who won a $50 gift card! The winners were picked on December 2nd and are now enjoying their prizes!

If you want to enter to win one of these great prizes, there is still time. The new promotion period started on December 1st and will end May 31st. The winners will be chosen on either May 31st.  It is very simple to enter yourself into the competition! All you have to do is refer a friend or family member to Cappuccino Insurance Agency and if they give us a call for a quote, you are entered to win one of the great prizes! Just for referring a friend or family member, you will get a $10 Target gift card automatically!

For more information on how you can win a brand new iPad, and for all of your insurance coverage needs throughout the Conejo Valley, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Happy New Year From Cappuccino Insurance Agency!

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The Team At Cappuccino Insurance Agency Wishes You Happy Holidays & A Happy New Year!

Thank you for allowing us the opportunity to serve you for your insurance needs in 2014. We have been grateful for a wonderful year with our valued clients like you in Westlake Village, Conejo Valley, and all of California, and are looking forward to continuing to partner with you in 2015.

For comprehensive coverage and competitive rates for all of your insurance needs in the New Year, contact our team today. We want to offer you the best coverage for your home insurance, auto insurance, renters/condo insurance, life insurance, and commercial insurance. Whether you are due for your annual review or want to rework your policies from the ground up, we can meet your insurance needs in 2015.

We Send Warm Wishes To You and Yours For 2015 And Beyond!