CSE Insurance Superheroes

[youtube]http://youtu.be/bZCFaAwVLwE[/youtube]The child-aged superheroes from Los Nietos — prepared with towels as capes, swimming goggles for, well, goggles and bright yellow plastic cleaning gloves — apparently have adequate super abilities to save you up to $500 in auto and car insurance.

Interspersed with the big puffy cartoon words such as “Huh?” and “Arrgghhh!” the children pose in apparent superhuman positions while a young boy asks the truly important question: “Looking for a carrier who actually care about you and your needs? Have no fear!” CSE will “rise above the competition” they promise, because of the company’s personal agents, claim support and over 60 years of experience.

Don’t put yourself in peril! Get a proposal here and live happily ever after.

Give Me a Home, Where the Buffalo Roam

[youtube]http://youtu.be/jLeQD-FzEdw[/youtube]Travelers Insurance executive Stephanie McNamara leads us on a tour of the company’s phenomenal 108,000 square foot facility in Windsor, Connecticut. Equipped with two full-scale and furnished home models as well as a small business “Windsor Mini-Mart” model, a heavy equipment lab and an auto repair training facility, this university trains an average of 8,500 Travelers Claim professions annually.

As Stephanie emphasizes, Travelers Home Insurance strives to “not just refund your loss, but to restore your life.” Along these lines, Travelers home insurance protects not just your residence, but you personal belongings as well. Every aspect of how a claim loss might affect you and your family is addressed. The company pays for you to stay in a hotel during the repair or rebuilding process and replaces the materials, appliances and materials used in the original construction of your home with those of similar quality, regardless of the higher present day costs. This is an important promise. Despite decreased home value recently, the costs of building materials continues to rise. For example, copper wiring has increased 19 percent, insulation by 12 percent and asphalt shingles by eight percent just in the past year!

Stephanie also makes the sobering point that adequate home insurance is not just a necessity for individuals who live “somewhere else” or in a potentially dangerous area such as Watts. She cites that over 4.5 million Americans live in areas impacted by weather-related disasters in just the past five years. In 2011 alone, there were 14 separate weather disasters — each a catastrophe to every resident affected — that caused over one billion dollars in damage each.

Customers can take action to help reduce the cost of their home insurance policies and their insurance premiums. In some cases, the installation of a security system can reduce policy costs. Upgrading home electrical, plumbing and heating systems not only save you money via increased energy efficiency but also decrease your premiums and may be tax-deductible. Choosing alternative building materials — such as flame resistant supplies — when remodeling or rebuilding your home can decrease future costs. Finally, purchasing different insurance policies for your different needs — bundling — can provide a significant discount. Get a proposal now by visiting here.

Housing Market Rebounding

Housing market analysts from the National Association of Realtors are reporting some good news. Last month more prospective buyers signed agreements to buy new homes. The association cited statistics that report agreements are up by 5.9% from April, and 13.3 % from the same time last year. This surprised analysts, who expected a much smaller rise. This is good news for home owners and realtors, and is accompanied by a report from economist Lawernce Yun, who predicts further increases this year, as much as 10%. Yun also reported that the average price of homes is on the rise, and predicted further increases. He predicted existing homes will increase 3 % this year and 5.7% next year, with new homes rising 26% this year and 50% next year.

Other analysts also report that the housing industry is recovering, however they report more modest numbers. They say that while these numbers are good, and the housing industry is definitely improving, there are still obstacles to overcome. These include low inventory, underwater homeowners, and tight credit. Some of the analysts point out that the Association is biased, but all agree that this is good news for the housing industry.

Saturday in Los Angeles

What a beautiful day to live in Los Angeles! And so many things to do and I can’t decide! Who has a good suggestion for 330pm on a Saturday?

Karl

Dropcam loves Susman Insurance Agency

We are proud to announce that Dropcam is now highlighting our office as a featured Public Cam!  Come on over and see us live, in HD, any time 24/7.  So next time you’re bored and want to see how exciting the life of an insurance agency can be, you can have a look for yourself.  Our office is also now showing up as a default camera when downloading the iPhone application.  We are currently taking a survey to see if we should enable the sound of our camera or not.  What do you think?  Leave a comment below.

Texting While Driving more laws

About everyone has heard about the dangers of texting while driving. Cell phone companies and online educational sites are even creating cool infographics with statistical data about these dangers. Although many data sources have varying report results, it’s agreed that people have a 23-percent greater chance to be in a car crash due to texting. Because of these statistics, and other disturbing results, many states are passing various laws to ban drivers from texting.

Laws vary from state to state. Some states are placing bans on all drivers, while other states only ban teen drivers. Also, some states require that the driver can only be given a ticket for texting while driving if they were pulled over for a different driving offense. While law enforcement is taking strides to reduce the number of distracted drivers using cell phones and sending text messages, it comes to public awareness that can prevent accidents and fatalities.

The more people who are aware of the law and national reports regarding the dangers of texting and driving, the more people will think twice of using the cell phone in the car. Hopefully, this awareness will save lives.

The New Health Care Reform Act Debunking Myths And Giving Facts

Unless you’ve been living in a cave, you’ve heard about the new health reform law, The Affordable Care Act, as the law now applies to all Americans. With so much political maneuvering, different political parties vying for the next presidency, and media hoopla, there is a lot of conflicting statements concerning this new Act. What is the truth? What are the myths?

Here is a straightforward breakdown of 5 myths you may have heard and the real facts concerning The Affordable Care Act.

Myth #1: The Affordable Care Act Will Raise The Cost Of Health Care

Fact: Most people are under the impression that this new reform act will cost Americans billions, if not trillions, of dollars. The truth is, The Affordable Care Act will reduce the national deficit by over $3 trillion over the next 10 years as a regular family of four will save over $2,300 on their insurance premiums.

Myth #2: The Affordable Care Act Will Hurt Small Businesses

Fact: The Affordable Care Act will instead lower health insurance premiums so that small businesses can offer health insurance to their employees. Small businesses could see a drop in insurance premiums of up to 4-percent, which saves employers $2,000 per person on health care costs.

Myth #3: Businesses Will Stop Offering Health Insurance To Employees

Fact: If businesses are saving anywhere from 3-to-4 percent on premiums per person on health insurance due to this health care reform act, then employers have no reason to take health insurance away from their employees. It is the hope of many economists that businesses that did not offer health insurance before will now find it affordable enough to offer it to their employees now.

Myth #4: Preventive Services Will Be Restricted On Many Health Care Plans

Fact: The Affordable Care Act will not restrict preventive care. Instead, many Americans have found that their preventive care coverage has improved, with seniors on Medicare obtaining several preventive care services for free.

Myth #5: The Affordable Care Act Will Have The Government Control My Choices For Healthcare

Fact: This has been the biggest fear in most Americans — that their freedom of choice will be taken away. But what this law does is give people more of a choice in their health care instead of having the insurance companies decide on who is covered. The Affordable Care Act allows more people who couldn’t afford health insurance before to obtain it now with the help of tax credits. It also increases consumer health care protections.

While there are still many myths and facts floating around, you now have a clearer picture concerning several debunked myths and the truths concerning the Affordable Care Act.

All of this information was taken directly from the White House web page.

405 freeway construction

All I wanted was razor blades and a hot dog.

No, I wasn’t planning a last meal before I offed myself. The blades were for my razor, since the one I used that morning was dull, no doubt thanks to my wife’s usage (Thanks Honey!). The hot dog was supposed to be lunch. The plan was a quick trip from my office on San Vicente Blvd to Rite-Aid on Wilshire and then a quick dip into the Wienerschnitzel for a hot dog. Then it would be back to my office so I can continue to make myself look like a superhero to all of my customers. Sounds simple enough, right?

Well…no. Far from it. As a matter of fact, the next time I need to go anywhere is this part of town, I’m either hoofing it, busting out the Segwey or riding the Vespa. I’d don my cape and fly there, but I don’t want to attract too much attention.

It should be illegal to have this many roads under construction. I couldn’t go a block without running unto a large orange sign with an arrow, directing me down a street that was in the opposite direction from where I needed to go. Explain to me how sending me to the La Brea Tar Pits was a good detour? And to add insult to injury, there was a traffic jam. Did you ever see the scene in “Office Space” where the guy with a walker was moving faster than Peter was in his car? Yeah, it was like that.

I finally manage to loop my way back around to Wilshire, but now I’m a half mile from where I need to be. So, I figure, if I got detoured going to right coming down San Vicente, if I’m coming back up San Vicente and I turn right, I should miss the construction.

Um, no. That plan failed, too. Now I was headed toward the 405, and although it would only be mid-day traffic, by the time I get to the closest exit and weaved my way back through Brentwood, I would make it back to my office just in time to watch everyone else leave. So, I darted down a side street and came out of San Vicente, this time in the middle of the detour.

Ever notice that there is never anyone working? All the equipment was there, the supplies were there. If I were a less honest person, I could have thrown a bunch of stuff in the back of my truck and cleaned up at the flea market. But instead, I mumbled about our tax money at work, and headed back in the direction of my office. It was obvious I wasn’t meant to have that hot dog, and I could;d skip the shave tomorrow morning. My wife and my employees prefer the rugged, 5-o’clock shadow look, anyway.

I parked my car and headed back into the office, feeling defeated. Once again, the California road system and the repairs to maintain it had bested me. I walk into the office, and every one is eating.

Hot dogs. From Wienerschnitzel.

Sensing my confusion my receptionist grabbed a hot dog and hurried over to me.

“You look like you could use this,” she said.

“How did you get these?” I asked.

“The Wiener Wagon drove by,” she said.

Oh, great. The first time in 10 years that wagon is out and about, and I missed it because I was getting detoured in Brentwood.

Grateful the saved me a hotdog, I turned to go into my office and resume my day. I sit down at my desk and check my voicemail. I had one message and it was from my wife.

“Hi honey, just warning you that traffic is a bear with all the construction around the office, so you might want to order lunch in. Oh, and by the way, I picked up new blades for your razor. Love you!”

*beep*

Figures…