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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.

It’s Time For Your Insurance Review!

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Annual Insurance Review

As the first month of 2015 comes to an end, it is the perfect time to plan for all that you want to accomplish throughout the year. It is also the best time to look over all of your insurance policies to ensure that you are protected from any unfortunate situation that may arise. There are many benefits of reviewing all of your insurance policies early in the year, including:

  • You may find more discounts – there are many different discounts that are available that will help to lower the cost of all of your insurance policies. Make sure to talk with your insurance agent to see if there are any discounts that you can qualify for that you are not already taking advantage of.
  • You may not have enough coverage – if you had any major life changes in the past year, you may not have enough protection of your new lifestyle. If you welcomed a new member to your family, you will want to increase your life insurance policy to make sure that all of your dependents will be protected when you are gone. If you made any renovations to your home to make it more comfortable for your expanding family, make sure that your homeowner’s insurance policy will provide coverage for the increased value of your home.
  • You may have too much coverage – when looking over your insurance policies, you may find that you have too much coverage, which means wasted money every month. Check to see if you can decrease any of your insurance policies to help you save hundreds or thousands of dollars each year.

For all of your insurance coverage needs after reviewing your insurance policies, 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, all at the right price.

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.

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!

 

2015’s Top Safety Picks

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Which Cars Measured Up To This Year’s Safety Tests?

Each year, the Insurance Institute for Highway Safety (IIHS) tests the year’s cars by running them through rigorous crash tests. They have released the champions for 2015, with the Hyundai Genesis emerging as the forerunner with perfect scores. Take a look at this year’s seven safest rides on the road.

  1. 2015 Hyundai Genesis: This luxury car excelled in the crash tests, even stopping the car moving at 25 mph before it hit a solid object with its automatic brake function.
  2. 2015 Subaru Legacy: Surpassing the safety of last year’s model, the 2015 Legacy earned high marks on every crash test it endured. Especially notable was its “superior” rating for the optional collision warning system Subaru offers.
  3. 2015 Chrysler 200: Also scoring high in every test, the Chrysler 200 was noticed for its auto brake collision warning system that helped it earn a “superior” rating in front crash prevention tests.
  4. 2015 Volkswagen Golf/GTI: With “good” scores in the side crash test, rollover test, roof test, head restraint test and small overlap front crash test these smaller Volkswagen cars both earned Top Safety Pick titles.
  5. 2015 Hyundai Sonata: This midsize car earned a “good” rating in the majority of its safety tests, and with a mid-range price tag it is sure to become a popular pick this year.
  6. 2015 Subaru Impreza WRX: This famously fast car will keep its passengers safe, as it earned a “good” score on all of its safety tests.
  7. 2015 Honda Fit: When this car failed to pass the small overlap front crash test, its engineers redesigned its bumper. After running the tests again, the car received high enough ratings to be named a Top Safety Pick.

Let Cappuccino Insurance Agency in Westlake Village, California protect you in ways even your car cannot with a great insurance policy. Our dedicated team is committed to getting you the coverage you need for the most competitive rates. Contact us today for all of your Conejo Valley auto insurance needs!

Do You Need Renters Insurance?

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Get The Protection You Need For Your Residence

With homeowners insurance almost constantly marketed, it can be easy to think that you do not need to secure an insurance policy while you are a renter. If, however, a situation should arise where you need liability insurance, lacking coverage could create a financial situation that could be too much for you to handle. Safeguard your residence and your livelihood by securing renters insurance today.

When choosing a renters insurance policy, make sure you select one that will cover both your liabilities and the contents of your home. If you are unsure about the coverage you need, estimate the amount of personal property you have in your rented space. Include clothing, furniture, electronics, landscaping equipment, appliances, jewelry, tools and any other valuables. Make sure that your policy would cover the cost of replacing all of your belongings. If you are not sure about how to get them covered, contact your insurance agent today so you can avoid a gap in coverage that could cost you down the road.

If you were not expecting the additional expense of renters insurance, do not worry. These policies are generally very affordable, running between ten and twenty dollars a month. In most cases, the policy will also cover other adults living in your residence with you. You can also explore adding extra coverage, such as water and sewer coverage or pet damage coverage, without expecting your premium to increase by a large amount.

To learn more about the options for renters insurance that is available to you, contact Cappuccino Insurance Agency in Westlake Village, California today! We can offer you comprehensive coverage at competitive rates. Call us today for a free assessment of your coverage needs so you can get the right policy for your lifestyle. Whether a renter or a homeowner, you deserve the peace of mind that great insurance coverage will bring.

Do Not Let Slips & Trips Harm Your Holiday

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Keep The Season Safe By Avoiding Common Workplace Injuries

A little slip in the parking lot or trip over the corner of a rug may not seem like a big deal, but the National Safety Council reports that 25,000 trip, slip, or fall accidents occur each day in the United States. Accidents of these kinds on the same level are the second leading cause of workplace injuries. Save yourself and your employees from hazardous situations with increased awareness around these types of incidents.

Take a walk around your business property. Are the walking surfaces uneven or marked with holes and cracks? Do puddles collect in certain areas? Are the walkways, sidewalks, and parking lots properly lit? Walking your property with an eye to potential safety hazards will help you understand the risks on your business site so you can properly address them.

How can you increase the safety of your location? Make sure all entryways offer a place to wipe off wet shoes, and that mats are secured. Provide janitorial staff with “Wet Floor” signs to mark potentially unsafe areas after cleaning. If you have a slippery floor surface like high-gloss tile or smoothly polished stone, consider investing in runner rugs for the main walkways.

In the event someone does trip, slip, or fall make sure the accident is documented. Take down the names of all of the people involved in the situation and take photographs of the hazardous area. Not only will this help you avoid similar accidents in the future, but this information could come in handy if an insurance or workers’ compensation claim is required.

Make sure your company is protected with the business insurance it needs by contacting California-based Cappuccino Insurance Agency today! Serving Westlake Village and all of Conejo Valley, our dedicated team is here to help you secure the coverage you need to make your work community a safe place.

Open Enrollment is Open!

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Have you signed up for your health care coverage for 2015 yet? If you have not, make sure to sign up before the Open Enrollment period ends on February 15, 2015. If you do not sign up for a new health insurance plan, you will face more expensive fines than ever before and will not be able to sign up until the next Open Enrollment period. If you do not sign up for health insurance, you will be fined 2 percent of your yearly household income, or $325 per person for the year, whichever is more expensive.

The only way that you can sign up for health insurance outside of the Open Enrollment period is if you qualify for a Special Enrollment period. Some of the most common qualifying life events include:

  • Getting married or getting divorced.
  • Moving your permanent residence to a different state that does not offer the same health insurance that you previously had.
  • Having a baby, adopting a child, or putting a child up for adoption.
  • Having a change in your household income status that changes your eligibility for cost sharing reductions of tax credits.
  • Gaining status as a member of a federally recognized shareholder or tribe in an Alaska Native Claims Settlement Act Corporation. If you are a member of a federally recognized Indian tribe, you can change your plan or enroll in a new plan once a month throughout the year.
  • If you lost your health insurance because you lost your job, aged off of your parent’s health insurance plan, lost your eligibility for CHIP or Medicaid, or any other similar circumstance.

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

Stay Safe This Thanksgiving With These Tips

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Thanksgiving is just a couple of days away, so it is the perfect time to make your shopping list to be sure you have all the ingredients for your Thanksgiving feast. It is also the best time to ensure that you stay safe while in the kitchen. Keep these simple Thanksgiving safety tips in mind so that everyone has a safe and happy holiday.

  • Before you start cooking, thoroughly clean your oven and stove. Built up grease from past meals can easily start a fire.
  • Do not leave you house while you are cooking. If something is on the stove, do not leave the kitchen so that you can keep an eye on the food.
  • Do not allow children within three feet of the oven and stove since they can easily be burned from boiling water or splattering grease.
  • Keep you floor free from any obstacles, such as toys and bags. Keep your pets out of the kitchen so that you do not trip over them.
  • Keep any flammable objects, such as towels, potholders, plastic bags, and food containers away from the stove so that they do not catch fire.
  • Keep a fire extinguisher that is rated for grease fires in your kitchen. Make sure that multiple people in your house know how to use it.
  • Check all of the smoke alarms in your home to make sure that they are working properly. Replace any alarms that are outdated or broken.
  • Before you go to bed at the end of the day, double check to make sure that all appliances are turned off, especially the oven and stove.

Cappuccino Insurance Agency in Westlake Village, California would like to wish you and your family a Happy Thanksgiving!