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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.

Properly Protecting Your Business From a Disaster

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Business Insurance For Disasters

When you own a business, you do all you can to protect it from a disaster, including investing in the right insurance policies. However, if you are relying on just your business owner’s policy to provide coverage, you may not have enough protection. Make sure to consider these business insurance policies to ensure that you are not left paying for repairs out of your own pocket.

  • Insurance for your structure – your commercial property insurance policy will provide protection if the structure of your building is damaged during a disaster. As an added bonus, your commercial property insurance policy will also provide coverage for your equipment that is damaged. If you have any specialty equipment that is valuable, you may want to invest in extra coverage. Talking with your insurance agent will give you a better idea of how much coverage you need.
  • Insurance for your commercial vehicles – your existing commercial vehicle insurance policy will provide coverage for any damage that is done to your company cars during a disaster, as long as you have comprehensive coverage. Comprehensive coverage will provide protection for any damage that is done by a disaster other than a car crash.
  • Insurance for flooding – the only way to protect your business from damage that is done by a flood is to invest in a specific flood insurance policy. If you are relying on your property insurance policy, you will be left paying for all the damages that are done during the flood.

For all of your business insurance needs, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of protection for any disaster, all at the right price to fit your budget.

Don’t Miss Out On These Easter Events!

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Easter Events

Are you ready for the Easter holiday? If you are still looking for a fun, family friendly way to celebrate Easter, make sure to check out all of these events happening in the local community that people of all ages will enjoy!

Head over to The Lakes at Westlake tonight from 5 p.m. until 7 p.m. for the Easter Egg-stravaganza! The exciting event includes an Easter egg hunt, Easter petting zoo, tasty treats, prizes, and more! You will also have the opportunity to take a picture with the Easter bunny! Admission to the event is free and open to the public.

On April 4th, head out to the Camarillo Animal Shelter from 11 a.m. until 3 p.m. for the 5th Annual Easter Eggstravaganza. There will be an Easter egg hunt that is bigger than in years past, face painting, henna tattoos, a jolly jump, arts and crafts, and more. There will also be a DJ to keep you entertained all day, and food trucks to keep you full. You even have the chance to learn about some of the animals at the shelter from the various animal presentations. You will not want to miss out on your chance to take a picture with the Easter bunny!

All of us at Cappuccino Insurance Agency in Westlake Village, California would like to invite you and your family out to enjoy all of these exciting Easter events in the Thousand Oaks community!

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.

Protecting Your Classic Car

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Antique Car Insurance

Owning a classic car is much more than just owing another vehicle, it is owning a piece of history, which is why it is so important to make sure that you find the right amount of insurance protection for your collectible car. Knowing what to look for in a classic car insurance policy will help to ensure that you are able to properly cover your classic car from any peril.

One of the biggest differences when it comes to insuring your classic car is the agreed value. While it is easy to determine the value of your daily driver, it is much harder to determine the value of your classic car. While newer cars lose value each year, many classic cars can actually increase in value. When looking for the right amount of insurance for your classic car, you will work with your insurance agent to decide on an agreed value of your classic. If your car is a total loss after theft or an accident, you will receive a payout for the total agreed value, minus what you pay for the deductible.

In most cases, a classic car insurance policy will be much cheaper than a typical auto insurance policy. Since most people do not drive their classic cars every day, they are at less of a risk of being involved in an accident. In order to keep the costs low, many insurance companies will also put restrictions on your classic car, including how many miles you can drive each year, and where the car must be kept to help avoid damage. Talking with your insurance agent will help to ensure that you find the exact policy that will work for your needs.

For all of your antique car insurance needs when looking to insure your collectible car, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Are You Ready for St. Patrick’s Day?

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St. Patrick’s Day Celebration

St. Patrick’s Day is just a couple of weeks away, which means it is the perfect time to start planning for your holiday festivities. Make sure to mark your calendar for these exciting local events in the community that the whole family can enjoy together.

Head out to the Ventura Elks Lodge on March 14th for the 27th Annual St. Patrick’s Day Parade in Ventura. The parade stats on East Main Street in front of the San Buenaventura Mission at 10 a.m. and heads up East Main Street and will end on the corner of East Main Street and North Chestnut. Almost 100 entrants will be marching with the parade.

The St. Patrick’s Day Celebration at Agoura Hills/Calabasas Community Center is also happening on March 14th. From 11 a.m. until 3 p.m., bring the whole family out for a day full of food, entertainment, and activities. The free event is feature The Tribal Caravan Belly Dancing Performances, The Claddagh School of Irish Dancers, and live Irish music performed by Innisfree. There will also be plenty of activities for everyone to enjoy, including rock climbing, face painting, and many different inflatables.

St. Patrick’s Day has been officially celebrated since the 17th century as a way to honor St. Patrick, who was a patron of Ireland. Although St. Patrick was not Irish, he returned to the country after escaping the country from slavery to help spread the Christian religion. He is not credited with bringing the Christian religion to Ireland.

While St. Patrick’s Day is only celebrated on the 17th in America, the holiday is celebrated from March 15th through the 19th at the St. Patrick’s Day Festival in Dublin, which is the capital of Ireland. During the Festival, there is a carnival, parade, dances, and a treasure hunt.

All of us at Cappuccino Insurance Agency in Westlake Village, California would like to wish you and your family a fun and exciting St. Patrick’s Day.

Benefits of Working With an Independent Agent

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Independent Agent Advantages

Trying to find the right insurance policy to invest in, whether it is to provide protection for your home or your car, can be confusing and stressful. With all the different insurance policies that are available, it can be difficult to make sure that you invest in the right policy that will provide enough protection for your needs. Luckily, working with an independent insurance agent can help to make the process much easier and smoother. There are many benefits of working with an independent agent, including:

  • More choices – independent insurance agents will be able to show you many more choices of insurance policies since they do not just work for one insurance company. Independent agents work with many different affiliates, which allows them to offer you policies from many different companies.
  • Save money – since independent agents are able to offer you more choices, they can offer different policies at various different price points. Offering plenty of policy choices with different prices will help to ensure that you choose the right policy that will fit your budget.
  • Claims help – your relationship with your independent agent does not stop when you buy a policy. They create a long lasting relationship in order to help you with any insurance needs that you may have, including making a claim. If you ever have to make an insurance claim, they will be able to help you through the entire process to ensure that you are not taken advantage of.

For all of your insurance coverage needs throughout the Conejo Valley, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection, all at the right price to fit your budget.

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.