Jumat, 30 Oktober 2009

SAV-ON Halloween Contest Update



Our original Dopey was out sick, but we had a great stand in...meet Kid's Club Secretary, Donny!



When the Evil Queen found out where Snow White was hiding, she came to drop off an apple.
Careful Snow White!








AND NOW THE RESULTS!

The Des Moines office as Snow White and the Seven Dwarfs first place, the "Best Costume" trophy, and pizza next week!

The Kent office won 2nd place, the "Most Original" trophy and will also be enjoying pizza next week.

And Normand in our Lynnwood office gets a consolation prize for his awesome rendition of Jack Sparrow; a McDonald's Big Mac Meal!!


Have a safe and Happy Halloween! For tips on trick or treating, check out our latest newsletter.

Halloween Office Contest!

In the spirit of Halloween, 3 offices compete for the pizza lunch!
Which is your favorite??

Kent Office





Des Moines Office





Lynnwood Office






Bellevue Office
Freeze, POLICE! .... Somebody isn't insured with SAV-ON ...

Kamis, 29 Oktober 2009

Ohio Workers' Compensation for Your Home or Business

If you are in the State of Ohio and employ at least one employee to whom you pay $160 or more in a three month period, you are required to carry Ohio Workers’ Compensation. Your employee could be with your business or simply a babysitter or person you hire to mow your grass.
In Ohio you buy Workers’ Compensation from the State’s Bureau of Workers’ Compensation. Their website address is www.ohiobwc.com or you can call them at 1-800-OHIO-BWC.

Unfortunately your Homeowner Policy Personal Liability cannot help you in situations where you are paying the employee more than $160 in a quarter, so we highly recommend that you purchase an Ohio Workers’ Compensation policy if you are in this situation.
Workers’ Compensation pays for injuries to your workers and includes not only medical expenses but loss of income benefits, too.

The website at www.ohiobwc.com is actually very helpful. If you decided you need to buy a policy, you can do it all on-line including paying for the coverage and printing out a temporary policy to show you have the protection.

Please feel free to contact one of our friendly agents if you wish to learn more about workers’ compensation.

Selasa, 27 Oktober 2009

Catastrophe Liability Protection


How much liability protection do I need to carry to protect me and my family? Unfortunately there is no simple formula which you can use to calculate how much liability insurance you really need. With your home or a commercial property, there are computer programs which will help determine the construction replacement cost of the building, but there is no such program in the area of third party liability claims. Some insurance companies claim they make you “legal” for less, but in Ohio, for example, that means bodily injury limits of $12,500 per person/$25,000 per accident and property damage limits of $7,500. Any kind of serious accident will wipe out those limits in a heartbeat. As a bare minimum, we recommend no less than $500,000 in Personal Liability and $250,000/500,000/100,000 in Automobile Liability, but higher limits are available and recommended. This is where the Umbrella Liability Policy comes into play. These policies are written in increments of $1,000,000 with $1,000,000 being the lowest limit you can purchase. Limits of $1,000,000 to $5,000,000 are usually available, and higher limits are also available depending on the circumstances. Please contact us, and we will prepare a quotation for your review on this very important catastrophe liability protection.

Homeowners, Time to Winterize!

Conduct a Roof Inspection: A professional roof inspection can identify roof damage while it still costs hundreds, instead of thousands, of dollars to fix. This inspection should also tell you the condition of your attic ventilation, key in preventing the formation of destructive ice dams. If you simply can't come up with the $200-$300 fee, at the very least conduct your own visual inspection to look for signs of wear-and-tear.

Make it Green: The most energy-efficient roof really depends on your location. Metal roofing works best for warmer climates, but an upgrade to roof insulation is universally green and a great idea before winter hits.

Clean your Gutters: Probably the most common and least neglected task of the bunch, don't take your gutter cleaning for granted. Proper cleaning involves more than just throwing easy-to-reach leaves out of the channel. Flush your downspouts and keep an eye out for any signs of gutter deterioration.

Make it Green: Retrofit your gutters to collect rainwater and snow melt next spring and summer to aid your lawn irrigation.

Insulate and Seal Windows: If you don't already have double-pane windows, it's time to jump on the bandwagon. With heating costs, few home improvements pay for themselves as quickly as replacement windows. If you simply can't afford it, use thick plastic covers or blankets to help out in the meantime. And regardless of the number of panes, take a look at your window frame. It may need new sealant.

Make it Green: Truly green windows are more than just double-paned. Different glazes will allow you to use daylighting techniques, and window treatments will allow you to block the heat gain of next summer's mid-afternoon sun.

Seal and Inspect Doors: Some homeowners pay so much attention to their windows that they forget their doors. Take a look at your entry door for air leaks and use weatherstripping to help seal the joints. Take a look at your garage door, too, for both insulation and home security value.

Make it Green: A new wood door for the entry, garage, or both will increase your home's curb appeal and it's insulating R-value simultaneously.

Evaluate the Furnace/Heating System: This one has a ton of upside. Catching problems with your heating system before winter hits almost always saves a bunch of money and will give you some time to plan for a replacement system, if necessary. If nothing else, at least change the filter, no matter the age or condition of your system.

Make it Green: For replacement systems, start with the big ideas first. Get an estimate for geothermal heating and cooling. If that doesn't pan out, take a look at split-system heat pumps or furnaces with an Energy Star label.

Winterize Your Landscaping: Just because you'll be spending most of the winter indoors doesn't mean all your maintenance is on the home itself. Properly close your swimming pool, winterize your sprinkler system, and prepare your garden for next year's planting.

Make it Green: Take the winter to grade your personal landscaping conservation practices. Is it time to start composting? How much water would you save with a fully-automated sprinkler system? Is there a good spot to plant a new tree in the spring?

Miscellaneous and Emergency Preparation: For most homes, winter means the looming possibility of snow and/or ice storms. A back-up generator is a great idea, but still no substitute for an emergency kit, complete with food and water, a reliable radio, and first-aid kit. Investing in a snow blower isn't a bad idea, either, especially for older homeowners who are vulnerable to heart problems.

Make it Green: Don't worry about saving the planet, until you've first saved yourself and your loved ones. Still, a back-up generator will, among other things, help make sure plumbing lines don't freeze and burst. After all, burst pipes harm both your household and your local environment.


Thanks to ServiceMagic.com

Senin, 26 Oktober 2009


As a proud representative of Progressive we want to make sure our Progressive personal auto clients are up to date with the discounts that are available to them. Below are a few ways to capitalize on the discounts that Progressive is offering:



  1. Paid in Full: This discount is given if you pay the full six month premium upon renewal. The discount is based on your premium so it differs per client.


  2. Electronic Funds Transfer: This is where Progressive withdraws your monthly premium directly out of your checking account. This method of paying is cheaper in fees than paying by check each month.


  3. Paperless Option: Progressive offers clients the option of receiving their policy and bills via email instead of through the US Postal Service. A discount will be applied to the client's personal auto policy if they choose this method.

Minggu, 25 Oktober 2009

Travelers TV Ad

This is our agencies favorite Travelers TV Ad. It makes us proud to have them as part of our agency. Enjoy!