TMIB Blog

Fix Household Problems Without Spending a Dime

Homeowners InsuranceAs a home owner, the biggest expenses occur when something goes wrong. Even the smaller issues can end up being quite costly.

“This Old House” magazine has put together a list of smart ways to fix some common household problems at your home.    http://www.thisoldhouse.com/toh/photos/0,,20745378,00.html. For any questions regarding your home insurance needs contact TMIB at 310-828-9662.

5 Safe Cars for Your Teenager

Teenager getting car keysYour little one is all grown up and it’s finally time for their first car. With so many options out there, how does one begin to find not only a car, but a safe one?

Want a car that is fully connected? The Chevrolet Tahoe SUV not only provides rear park assist and Apple CarPlay to keep your teen off their phone, but also OnStar service in case anything ever goes wrong. One of the best rated cars is also a classic first car for drivers. The Honda Civic will not only last many years to come, but is consistently rated as one of the safest and most reliable vehicles on the market. Another major plus to the Civic, it is also quite affordable.

For additional information visit MSN’s “5 Safe Cars for Your Teenager” http://www.msn.com/en-us/money/autoinsurance/5-safe-cars-for-your-teenager/ss-BBnzKGd?ocid=iehp#image=1   and for any questions regarding car insurance for a first time driver contact TMIB at 310-828-9662.

 

Drone for Christmas?

One of the hottest new gift trends this year was the increasingly affordable drone. Who doesn’t want to fly cool aircraft that also captures amazing video that can dazzle all of your friends? The availability of drones to regular consumers has prompted the FAA to create some drone rules.

The most important step is to register your drone. If you currently own a drone, you have until February 19th, 2016 to register it or run the risk of being hit with some pretty hefty fines. If you are looking for insurance for your drone, it pretty much comes down to a question of using it for personal or business usage. Many home insurance policies will cover personal use, (be sure to double-check this with your broker), but once you start getting into business use, you should look into getting additional coverage.

Before you fly your drone, you should learn about the rules and how to properly insure it.  A good article to read is “Drone for Christmas? http://www.msn.com/en-us/money/insurance/drone-for-christmas-be-sure-to-get-your-registration-and-insurance-before-you-fly/ar-BBnIIyT?ocid=iehp

Be sure to get your registration and insurance before you fly and if you have any questions on exactly what steps to take regarding insurance contact TMIB at 310-828-9662.

Call Before You Dig

Looking to make some changes to your home or property? Before you get out the shovel and start digging there are some important and crucial steps that need to happen. The most important step is to call 811 which is the national “Call Before you Dig” phone number. Not only is it easy to use to get information about your upcoming plans, but they will send a crew to your location to mark underground lines and answer your questions.

For my information about “811” and “Call Before You Dig” visit Travelers https://www.travelers.com/prepare-prevent/home/home-maintenance/before-you-dig.aspx and for any questions about your home insurance needs call TMIB at 310-828-9662.

 

Home Improvement Projects That Pay Off Big

Kitchen remodelWhether you’ve found the home of your dreams or are looking to sell and move into a new home, it is important to keep your house in the best shape possible. Doing small upgrades over time will not only save you headaches in the long run, but can also increase your home’s value.

For a list of possible home improvement projects and their potential return, read MoneyTalksNews.com’s article, “8 Home Improvement Projects that Pay Off Big”,   at: http://www.moneytalksnews.com/slideshows/8-home-improvement-projects-that-pay-off-big/ and for any questions regarding your home insurance needs, contact TMIB at 310-828-9662.

 

15 Fascinating Halloween Facts

bowl of candy cornHere we are again, at the end of October, ready to celebrate the spookiest holiday of all. Time to enjoy tricks or treats, spooky costumes, and of course, candy. But there are some fun things about Halloween you may not know!

For a list of “15 Fascinating Halloween Facts” visit Woman’s Day (http://www.womansday.com/life/holidays/15-fascinating-halloween-facts-124464) and to have your health insurance questions answered, contact TMIB at 310-828-9662. Happy Halloween!

 

Fall Maintenance Tips

washing machineIt’s officially fall! Even if you live in California, where it might not seem like the seasons ever change, it is the time of the year when the weather starts to get a little cooler as we head into the winter months. Which means this is the prime time to prepare your home for the upcoming seasonal changes.

So what can you do right now to get ready?

Travelers Insurance has put together a list of ways to prepare your home for fall https://www.travelers.com/prepare-prevent/home/home-maintenance/fall-maintenance-tips.aspx and for any questions about homeowners insurance, contact TMIB at 310-828-9662.

 

14 Email Etiquette Rules Every Professional Should Know

EmailEmails went from being a high tech novelty to a revolutionary method of communication that has changed the way we do business. Although email has become a primary method of communication at work, that doesn’t mean everyone has figured out the proper etiquette.

Emails aren’t the place to try your hand at comedy (leave that for the weekend). Remember this is work and sometimes jokes are inappropriate or don’t come across the right way when written. There is probably a bigger chance it falls flat than succeeds. Same for exclamation points!!!  Use them as needed, but less is always a better choice.  Remember, this is a business correspondence – you aren’t texting your friends about your after-work plans.

For MSN’s list of email etiquette rules, go to (http://a.msn.com/00/en-us/AAckNnk?ocid=se) and for a business insurance quote, be sure to contact TMIB at 310-828-9662.

 

8 Home Inspection Missteps That Cost Buyers Money

house keysIf you are looking to buy a new home, whether for the first time or you’ve done it before, getting a thorough and accurate home inspection is important. Unfortunately, that isn’t always what happens.

For a list of “8 Home Inspection Missteps That Cost Buyers Money” go to http://www.trulia.com/blog/8-home-inspection-missteps-that-cost-buyers-money/  and for any questions regarding your home insurance needs, contact TMIB at 310-828-9662.

 

12 Tips to Keep from Buying Too Much Insurance

insurance policy with penHaving an insurance policy not only provides protection but also peace of mind.  However, is it possible to have too much insurance?

Think about when you rent a car. There are a lot of add-on insurance options the rental car company may offer to you.  Should you get these optional coverages?  In particular, consider that the collision damage waiver (CDW) is an add-on that is usually covered by most credit cards for free as long as you pay for the car rental with that card, so, it may be an option you might decide to decline.

To read MSN’s full list, “12 Tips To Keep You From Buying Too Much Insurance” visit (http://a.msn.com/00/en-us/AA9IVcp?ocid=se) and if you wish to discuss your current insurance policies, contact TMIB at 310-828-9662.

 
 

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