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Monthly Archive for: ‘May, 2013’

Wedding Insurance

gold-ringsWith the beginning of summer, wedding season is upon us. Warm weather and summer vacations make nuptials particularly prevalent this time of year.

While tying the knot is one of the most important and exciting times in a couple’s life together, it can also be the most stressful. Besides bickering relatives and getting cold feet, there are many disasters that can befall a wedding. With the average American wedding costing over $20,000, it might be worth purchasing wedding insurance (which is generally less than $300) to ensure peace of mind before your big day.

Tegner-Miller Insurance Brokers has compiled a list of some of the wedding day nightmares that your wedding insurance policy will help cover:

  • Photography:  Your photographer drops his/her camera in the beautiful pond near your ceremony and all of the pictures for your special day are lost.  Wedding insurance will help pay for reasonable expenses necessary to retake event photographs.
  • Illness or Injury: If the father of the bride gets food poisoning the day of the wedding, there is no way he is walking down the aisle. If essential people in the wedding party are sick or otherwise incapacitated, wedding insurance will help cover the cost of rescheduling.
  • Missing Vendors: Let’s say your florist is on the way to the venue when he/she is involved in an accident. While uninjured, the florist and all your arrangements cannot make it to the wedding. If the vendor (cake decorator/DJ, etc) is not able to make it to the event, your policy can help you recoup some of the cost of rescheduling or finding replacement items for event.

Planning a wedding can be an overwhelming task, purchasing wedding insurance may help alleviate some of the pressure – just in case the unthinkable happens.

Please call Tegner-Miller Insurance Brokers if you have any questions or would like assistance with purchasing wedding insurance for your important day.  We can be reached at 310-828-9662.

Memorial Day

flags in the ground facebookOn Monday, May 27th, Tegner-Miller Insurance Brokers will be closed to commemorate Memorial Day.

First celebrated after the Civil War to honor the Confederate and Union war dead, Memorial Day now serves as a day to commemorate all American casualties of war.

Because it falls on the last Monday of May, Memorial Day is sometimes thought of as the unofficial beginning of summer and is a day spent picnicking and enjoying the weather.  However, it is important to remember the true meaning of this important holiday. During your barbeque or trip to the beach, please take a moment to reflect on the millions of Americans who have given their lives to protect the freedoms of their countrymen and other citizens of the world.

TMIB will resume its regular hours at 8:30 am, Tuesday, May 28th.

Michaels visit to Witz End in Venice, CA

WitzEnd

Live music venues in Los Angeles are plentiful. You can find live music any day of any week in nearly any neighborhood.

What sets these venues apart from each other is how they value the entertainment aspect of their establishment.  At Witz End it is obvious that it’s music first. They’ve created an environment that compliments the way the musicians interact with their instruments and the crowd.

Although music is the focus, they don’t neglect the drinks, food or service. So, whether you go for the music, to sip on cocktails or have a meal, they can accommodate.

Don’t miss out on a place that’s been featured on “The Voice” and other top network music competition shows.

Go to their website and scroll the calendar section for updated information on who’s performing or just stop by when you’re in the mood. You’ll have a great time!

Witz End is one of TMIB’s valued clients.  They are fun and a business that’s always on the move and focused on bringing the show to their customers.

Check out their website:  http://www.witzendlive.com/

Or follow them on twitter: https://twitter.com/WitzEndLive

Teacher Appreciation Week

teacher-appreciation

I am indebted to my father for living, but to my teacher for living well.
— ALEXANDER THE GREAT

May 6th – 10th is Teacher Appreciation Week in the US.

First officially recognized in 1985, Teacher Appreciation Week reminds us of the important job teachers are tasked with: educating our young people and helping prepare them for their adult lives. During the week, your child might want to give a gift to his/her teacher(s) to show gratitude. Below is a list of some “dos and don’ts” for Teacher Appreciation gifts:

  • DO: Think outside the box.
    Teachers receive dozens of “#1 Teacher” coffee mugs over the years, so try to think of something more unique. Of course, your child’s teacher will likely appreciate the gift regardless of its uniqueness.
  • DO: Work with your child to make the gift.
    Homemade gifts can be more personal and more heartfelt than store-bought items. Try picture frames, books or pictures that your child drew.
  • DON’T: Get too expensive.
    Remember that this gift should be a small token of gratitude, not the kind of gift you would give to your spouse on a 10th wedding anniversary. While this might seem absurd, there have been cases of parents using lavish gifts to attempt to influence teachers to raise grades.
  • DON’T: Over think it.
    You shouldn’t be spending the week at the mall trying to pick out the perfect gift or forcing your son or daughter to construct a portrait of their teacher out of macaroni.

TMIB and its staff wish to thank all of the wonderful teachers who have guided us and helped us throughout our lives.

What is Mechanical Breakdown Insurance, and do I need it?

Tegner Miller Did You KnowHave you ever had a car that drove great and had minimal issues for the first few years, only to break down shortly after the warranty ended? This frustrating scenario is more common than you’d think, and can lead to expensive repairs. Thankfully, mechanical breakdown insurance can help pay for repairs after a post-warranty breakdown.

In many ways, mechanical breakdown insurance works like an extended warranty on your car. However, this type of insurance is often better than an extended warranty for a few reasons:

1.  Typically you can cancel it at any time

2.  It often provides better coverage for repairs

3.  It typically costs less than the warranty policy purchased through the dealer

4.  These policies often contain extra benefits including:

a. towing
b. roadside assistance
c. rental car coverage

While mechanical breakdown insurance is often superior to extended warranties purchased from car dealerships, there are several important stipulations regarding coverage that you should consider before purchasing a policy.

  • The car must be newly purchased. Generally, insurers will not sell this policy on a vehicle that was purchased over 30 days prior.
  • Be sure to consider “what is a mechanical breakdown?” and “what is normal wear and tear?”.  When you purchase your insurance, be sure to find out what the policy will cover and what it will not cover. While you might consider a malfunction a genuine breakdown, the insurance company might classify it as normal wear and tear.
  • Ask whether the policy is transferrable if you sell the car. Sometimes, mechanical breakdown policies are transferrable to the next owner of your car which could increase your vehicle’s selling price.

Before you purchase a mechanical breakdown insurance policy, be sure these policies are right for you.  Speak to your knowledgeable TMIB broker to learn more about what is available.  We have several Mechanical Breakdown policy options from which to choose. Please call us at 310-828-9662.