So Little Time


So Little Time

Wake. Workout. Eat. Shower. Coffee. Makeup. Hair. Coffee. Clothes. Drive. Coffee. Work, Work, Work, Work. Eat. Work, Work, Work, Work. Drive. Eat. Makeup. Hair. Clothes. Drive. Socialize. Eat. Drive. Sleep. REPEAT.  (sometimes I forget about the whole eating and sleeping thing)

That is just a ‘normal’ day. That doesn’t include my to-do list.

Life is full of schedules, activities, appointments, routines – and then some.  If you are like me, then you know that slowing down is not an option.  I am working hard to build a career for myself and attempt to have something that resembles a social and love life.  I don’t have time to stop and a read bunch of paperwork or add additional appointments to my schedule.  I don’ want to be bogged down with information that is overly technical and that doesn’t give me exactly what I need in a few short bullet points or paragraphs.  When I need to get something done, I want to do it in the most effective and efficient manner possible.  Time is the most precious commodity.  MY most precious commodity.  I don’t want it wasted.

When it comes to purchasing an insurance policy, I need to know that whether it is for auto, home, earthquake insurance, flood insurance, jewelry, renters, condo, house, life, or health insurance the entire process with be efficient, knowledgeable, and straight to the point.  With our business, online, over the phone, or in person – purchasing the insurance YOU need insurance has never been easier.  There are numerous methods to find quotes and purchase inventory – online, over the phone, thru an app, and even in person (GASP!). With so many options, there really isn’t a time excuse.  You can choose what will best fit in to your schedule. I mean, I can choose what will best fit in to my schedule.

I know the importance of having the proper insurance coverage, which means I also know I need to make the time to get it!

I am busy.  You are busy.  Let Susman Insurance Agency do the work for you, so you can use your time for that crazy-busy schedule.

Nobody Has Time For That!
Nobody Has Time For That!

Why You Should Insure Your Jewelry

Everyone usually has at least one piece of valuable jewelry. Some people wear their jewelry all the time, while others have their everyday jewelry and then the jewelry they bust out on special occasions. See if any of the following scenarios apply to you:

  • Grammy Gert left you her engagement ring.
  • Your husb and gives you jewelry for every occasion. Without fail.
  • Your engagement ring cost three-months’ salary.

Don’t you think these items should be protected? Yes, you keep them in a dust-free jewelry box, and the really good stuff goes into the safe or fire-proof box, but is that protection enough? In the event of a break-in or fire, how would you repair or replace the items?

Of course, there is no replacing an heirloom such as your gr andmother’s engagement ring, but your husb and spent three-months salary on your ring. Whether he’s an investment banker or manager of an In-N-Out Burger, three months worth of his hard-earned money is worth protecting, don’t you think?

Oh, and think about this: According to the Jewelers Security Alliance, California had the most jewelry thefts in the US in 2010.

So, while you ponder this statistic while absent-mindedly fondling the jewelry you’re currently wearing, perhaps it is time you insured Grammy Gert’s ring and your other jewelry possessions.

It’s easy to add your jewelry to your existing homeowner’s ore renter’s policy. Just call you agent as request the rider be included on your current insurance. You will need to know an approximate value of your jewelry, and you’ll need to give a complete inventory of what you want covered. And when you get a new piece of jewelry, you’ll want to call and add it to the inventory. Jewelry is typically insured by it’s replacement cost or appraisal value, so you should also have your jewelry apprised by a professional.

Side note: go to a jeweler that you trust for the appraisal, and tell them it is for insurance purposes. Otherwise, you might get a lower appraisal value than the jewelry is actually worth, especially if the jeweler is interested in purchasing the jewelry. He’s not going to tell you how much it’s actually worth if he wants to buy it. The American Gem Society website has a search feature so you can find an appraiser near you, whether you’re in Los Angeles, Burbank or Sherman Oaks.

Which could lead to an interesting conversation with your spouse. Especially if he or she frequents auctions.

Police auctions.

Don’t laugh, it happens.

But wherever the jewelry comes from, once it is yours, you should protect it from damage and theft.

Karl Susman, Agent

Finding the Best Homeowner’s Insurance

Buying homeowners insurance can be confusing. If you are in the market to protect your home and possessions, you may want to do some research before committing to a policy or one specific insurance company. Ask questions and find an agent you trust that works with a company that has a good reputation for keeping their clients happy.

Your home is your castle and your possessions represent not only your past, but your present as well. You have worked hard to be able to live in the fashion you have become accustomed to, so it is in your best interest to make sure things can be replaced if a tragedy or accident occurs. When buying a policy make sure you know what it will cover. Some policies may focus more on the replacement value of a house or specific possession instead of its actual cost. Knowing the difference between these two amounts will affect how much you will want to ensure the property for and how the much the premium for the policy will be. For example, a 2 story, 4 bedroom home may be valued at only $65,000, but to build the exact same home at today’s prices, the replacement value may exceed $100,000. It will be up to you what you decide to insure the property for. If you would replace your home with a smaller one that would cost less to build then insure the property for its actual value. If you want a house similar to what you have now, bit the bullet and insure for the replacement value.

Many homeowner policies cover a variety of things including roof and fire damage, theft and various forms of liability. Liability can be anything from your dog biting the mail man to you cat Skippy tripping the neighbor lady as she walked to the front door to trade the daily dose of gossip. Most insurance policies have liability clauses that cover all types of accidents that occur on your property.

A family’s possessions can also be replaced if an itemized list of valuables is included within the policy. The contents of the home that have considerable value, such jewelry and works of art, should be listed in great detail within the body of the policy.

One of the biggest areas of confusion when purchasing a homeowner’s policy is the phrase “Act of God”. Many policies claim that “acts of God” are not covered. This can include damage to due ice and wind or other natural disasters. In recent years, people have discovered that water damage caused by flooding can sometimes be a gray area when it comes to insurance. Most companies offer a “Flood Insurance” rider that is attached to the policy and covers several types of water damage.

Never buy insurance without reading the fine print. Know what you are signing up for and what a policy will cover. Making sure you have the answers to help you make an informed decision is the best way to cover your assets in this type of situation.