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Protecting Your Vacation Home This Summer

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Dwelling Fire Insurance

Packing up your suitcase to head out to your vacation home is one of the best ways to enjoy the summer season. With all of the comforts of home, vacation homes offer special amenities that you cannot find at a hotel. Just like your primary residence, it is important to make sure that your vacation house is protected with the right insurance coverage.

Your existing home insurance policy may provide a limited amount of coverage for any of your personal belongings that you keep at your vacation home. However, this coverage is typically not enough to protect all of your assets. Investing in a dwelling fire policy can help to provide the additional coverage you need to keep your vacation home safe.

Dwelling fire insurance policies are meant to protect a second home by providing coverage for the structure of the house, as well as the personal property that you keep inside. There are three types of dwelling fire policies to consider for your vacation house, including:

  • Standard form – which will provide coverage for the structure of your house and the contents inside from lightning and peril. It will also cover the cost to remove any property from the dangers of lighting and fire.
  • Broad form – which will provide the same protection as a standard form policy, as well as hail, windstorm, explosion, civil common and riots, smoke, and damage that is caused by a vehicle or aircraft.
  • All risk form – which will provide coverage from any peril except what is specifically excluded on the policy.

When looking to protect your Conejo Valley vacation home, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to make sure that you have the protection you deserve, no matter how many properties you own.

Staying Safe In Your Backyard This Summer

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Backyard Safety Tips

With the summer season officially here, you may find yourself spending more and more time outside. No matter if you are spending time in your own backyard, or having a neighborhood party next door, it is important to make sure that you know how to stay safe while outside. Keep these backyard safety tips in mind to help ensure that you have a fun and safe season.

  • Always supervise your children when they are around the pool, even if they are strong swimmers. If you have smaller children, never let them further away than you can reach. Any children who do not have strong swimming skills should wear the proper safety equipment while in the pool, such as a life jacket.
  • Install a self-locking gate around your pool that is at least 4 feet tall to keep the little ones away from the pool. Do not keep any chairs, tables, or other furniture near the gate to ensure that nobody is able to climb over the fence.
  • While grilling, keep all children and pets at least three feet away from the grill. Create a safety zone with chalk or cones so that children know where they should not go.
  • Keep a fire extinguisher or bucket of water near your grill at all times to put out any small fires. Also, keep a cell phone close by to call for help if the fire gets out of control.
  • If you have a trampoline, limit the amount of children who are allowed on at once to help keep them safe. Children should always be supervised when jumping on the trampoline.

For all of your Conejo Valley insurance coverage needs and to make sure that you are protected from any peril this season, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Check Out These Hiking Trails in the Conejo Valley

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Enjoy The Great Outdoors With These Beautiful Hiking Trails

Living in Southern California means enjoying the outdoors all year round, but especially during the spring and summer months. With plenty of hiking trails around the Conejo Valley, there is no excuse not to get outside this season. Check out these hiking trails that are perfect for people of all different skill levels.

The Boney Mountain Trail to Hidden Valley Overlook trail rewards you with some of the most beautiful views in the area. Take some time out of your hike to enjoy the benches that sit at the top of Sycamore Canyon and then continue on the trail that runs just a little over two miles.

The Ojai Valley Trail is a 10 mile trail that runs parallel to Highway 33, starting at Foster Park. The side of the trail is paved for bicyclists, joggers, and walkers. There is a post and rail fence that separates the paved path from the dirt path for horseback riders.

Ventura River Trail is just over 6 miles long and includes a pedestrian and bike path that follows the historic Southern Pacific Railroad. A lot of the trail parallels Ojai Freeway 33 and is also known as the Ojai Valley Trail Extension. There are many different access points to the trail, including Stanley Avenue, Shell Road, Orchard Drive, West Park Row Avenue, and more.

Malibu Creek State Park has more than 8,000 square miles of beautiful hills, scenery, and trails. The miles of trails throughout the park will take you through the old M*A*S*H series set, and will eventually lead you to a swimming hole, so make sure to bring your swimming suit.

All of us at Cappuccino Insurance Agency in Westlake Village, California would like to encourage you to enjoy all of these hiking trails in the local community!

Protecting Your Boat and RV This Summer

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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.

Don’t Get Caught Without Insurance When Using Your Summer Toys!

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The sun is out, and the water is warm! People everywhere are loading up their trailers with their boats, RVs, motorcycles, jet skis, sea doos, and WaveRunners! Your summer toys face all sorts of risks when they are in the water, and even more when being towed on the road! Don’t get caught without insurance! Many insurance policies exist to protect you from the financial burden of an accident.

A marine policy can be purchased to cover your watercraft. With this type of coverage, you will be protected from bodily injury and property damage to your, or another person’s watercraft. If an RV or motorcycle is more your style, you will need to purchase a separate insurance policy that is individualized for your special vehicle.

No matter what type of summer toy you are planning to insure, be sure they are insured to value they are worth. Keep your insurance score low to ensure a lower premium rate. In the event that you need to file an insurance claim, do so immediately. Keep a thorough record of everything that happened, and be sure to get the contact information for everyone involved. Pictures of the scene are the best form of evidence when filing a claim.

If you are interested in purchasing insurance coverage for any of your summer toys, give the agents at Cappuccino Insurance Agency a call. Located in Westlake Village, their friendly insurance agents will be able to find the policy that best suits your needs. Give Cappuccino Insurance Agency a call, today!

Things to Do in Conejo Valley, California for Summer 2014

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Schools are out for the summer months leaving parents looking for exciting events in Conejo Valley, California. Outdoor activities that take advantage of the natural beauty of the area lure kids and adults alike out in SoCal. Add to that list plenty of options for indoor entertainment that are perfect for those scorching summer days. Here at Cappuccino Insurance Agency we encourage the residents of Conejo Valley to get out and enjoy the summer months with the following events.

On Friday, June 13 at 7 pm hikers of all ages meet at Malibu Bluffs Park for a hike beneath the light of the full moon. The hike will include trails that run to the sea. Note that the trails can be steep in areas, so hikers should wear sturdy footwear. Additionally, hikers need to bring their own flashlight. If it rains, the hike will be canceled.

For Father’s Day weekend, the Live Oak Music Festival will take place overlooking Santa Barbara. This three day festival runs from Friday to Sunday, June 13 to 15. In addition to a music festival featuring folk, blues, classical and gospel tunes, camping will be offered. This family friendly festival also includes arts and crafts activities geared at younger children.

Fourth of July is one of the biggest holidays of the year in Conejo Valley. The Reagan Presidential Library will host a family focused event on Friday, July 4 from 10 am to 3 pm. There will be Presidential look-alikes, a patriotic concert, and storytelling. American foods and face painting, in addition to kid-friendly games will also be a part of the festivities. Admission to the event is free.

On Wednesday, July 9 at 6 pm “Nite Moves: Swimming, Running and Biathlon” will be held at Leadbetter Beach in Santa Barbara. In addition to entertainment and food, the event includes 5K footraces and swimming in view of Anacapa Island. Participants should keep an eye out for the racing fleet Wet Wednesday, which will be part of the scenic backdrop of this invigorating event.

For more information regarding how to enjoy your spring and summer with peace of mind and insurance coverage in Conejo Valley, California, please contact Cappuccino Insurance Agency of Westlake Village!