TMIB Blog

10 Things You Need to Know about Medicare

Most of us have heard of Medicare, but don’t necessarily know a lot of specifics about this program.  When planning your retirement, you should get as much information as you can about Medicare.   

As part of your research into this program, you might find MSN’s list of “10 things you need to know about Medicare” helpful http://a.msn.com/00/en-us/AAkkduD?ocid=se and if you have health insurance questions be sure to contact TMIB at 310-828-9662.

 

7 Common Claims Covered by Homeowners Insurance

Having homeowners insurance is a smart way to protect yourself in the event of an emergency. However, not all policies are equal. Check your policy to make sure you are covered for the seven most common claims.

Of all the ways damage can occur to your home, virtually nothing costs more than a fire. In the unfortunate event you have to deal with a fire in your home, a little preparation can go a long way to making sure you are covered.  For example, make a complete inventory of your possessions. This is especially helpful if you suffer a total loss. Be sure to keep it updated, but be aware that depending on your policy, deprecation may be a factor. The more you can be prepared, the smoother the claim process will go.

If you’d like to check the MSN’s list of the seven common claims covered by homeowners insurance visit (http://a.msn.com/00/en-us/BBz8Rvz?ocid=se) and if you have any questions about your homeowners insurance contact TMIB at 310-828-9662.

 

6 Steps to Cut Your Car-Insurance Rates

Speeding CarWant to save some money on your car insurance? If you answered yes, the process to bringing your rates down might be as simple as taking a few steps.

One of the first steps is to assess your coverage. Find out how much coverage you have and compare it to alternate quotes you receive!  You should also calculate how many miles you drive each year. The number of miles you drive each year is useful information and could affect your premium.

To see a breakdown of Kiplinger’s “6 Steps to Cut Your Car Insurance Rates“ visit (http://www.kiplinger.com/slideshow/insurance/T004-S002-6-steps-to-cut-your-car-insurance-rates/index.html) and for any questions about your car insurance contact TMIB at 310-828-9662.

 

Notorious LA Earthquake Fault More Dangerous Than Experts Believed

Earthquake DamageIf you’ve lived in California for a while, you are probably aware that we are overdue for a major earthquake. You’ve heard about being prepared and the steps to take when the “big one” finally comes, but what you may not know is the long history of earthquakes in the region and how it has affected the landscape for centuries.

If you’d like to read about the current status of one of Southern California’s top seismic danger zones, the Newport-Inglewood fault, check out the LA Times http://www.latimes.com/local/lanow/la-me-ln-newport-inglewood-earthquake-20170321-story.html and if want to discuss your earthquake insurance needs contact TMIB at 310-828-9662.

 

10 Places with the Highest Rates of Car Theft in the US

After your home, a car may be the second most important purchase a person makes. It makes sense to keep it as safe as possible. So how safe is your city when it comes to car thefts?

California has multiple locations on MSN’s list of top 10 places with the highest car theft rates (based on 2014 statistics). Albuquerque, New Mexico tops the list with 677 auto thefts per 100,000 people.

To see MSN’s full list of the “10 Places with the Highest Rates of Car Theft in the US” visit http://a.msn.com/00/en-us/BBxHbEl?ocid=se and to discuss your Los Angeles car insurance needs, contact TMIB at 310-828-9662.

 

10 Ways to Save on Insurance in 2017

man holding money webWelcome to 2017! The calendar page has turned to a whole new year and with it comes a clean slate of goals and dreams. While you could just stick to the classic set of resolutions like exercising more or trying to eat healthier, how about making some small changes now that could go a long way throughout the year. Insurance can be one of the bigger recurring expenses for a family, so taking the time to address those costs can create big savings for you and your family.

Did you know by installing a home security system you can reduce homeowners insurance by up to 20 percent? Also, many companies offer discounts for bundled insurance. So instead of having your car and home insurance with different companies, look into bundling them together and start saving!

For a list of “10 Ways to Save on Insurance in 2017” visit https://www.gobankingrates.com/personal-finance/ways-save-insurance-2017/   and for any questions regarding your insurance in Los Angeles contact TMIB at 310-828-9662.

man holding money web

It’s Time to Find Your Christmas Tree

Christmas TreeThe turnaround from Thanksgiving to Christmas is a fast one, which doesn’t leave a lot of time to find, prep, and perfect a central part of the Christmas celebration… THE TREE! Especially in Los Angeles, when there are still beach days in December, it is all the more important to find the perfect tree to help get you into the holiday mood. Luckily, we got you covered with the some great places to find your tree.

A new spot in LA is “Shawn’s Christmas Trees” which includes one of the longest lists of different types of trees available. If you’re looking for a tree AND something for the kids, visit “Irvine Park Railroad”.

For a list of some of the great Christmas Tree lots in Los Angeles visit Red Tricycle (http://redtri.com/los-angeles/where-to-buy-your-christmas-tree-in-los-angeles/) and for any questions about home insurance in Los Angeles contact your local TMIB at 310-828-9662.

 

TMIB 2016 Ugly Sweater Contest

TMIB Ugly Sweater Contest

Fall Home Maintenance Tips

fall tree websiteThe fall season is officially upon us! The leaves have turned a new color, you’ve started wearing a light coat and may be feeling an undeniable urge for a pumpkin spiced latte. The only thing that remains, “Is your home ready for the fall season?”.

Most people focus on winter as the time for preparing your home, but being proactive for the fall is also essential. Here are some quick tips on how to prepare for the fall:

– Have your furnace cleaned and inspected annually by a qualified technician.

– Keep a multi-purpose fire extinguisher accessible, filled, and ready for operation.

– Inspect your smoke detectors. Make sure there is one on each floor of your home (and check the batteries).

For a list of handy “Fall Home Maintenance Tips” visit Travelers Insurance (https://www.travelers.com/resources/home/maintenance/fall-home-maintenance-tips.aspx) and for any questions about your home insurance coverage contact TMIB at 310-828-9662.

 

Choosing the Perfect Password

passwordsWe live in a digital world and it’s important to do everything you can to protect your part of that world. Protecting yourself starts with the most important and basic part of your internet life: your passwords. So what can you do to make sure you are protected?

When choosing a password, always make it at least 8-digits and alphanumeric. This will increase the amount of 8 character combinations to 645 trillion and make your password much harder to break with a code generator.

To see more do’s and don’ts for passwords visit MSN (http://a.msn.com/01/en-us/BBph8UC?ocid=se) and for any questions regarding cyber liability contact TMIB at 310-828-9662.

 

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