Category Archives: blog

The Consequences of Speeding

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Slow Down, Save Money and Lives How many times has the following happened to you?  You’re speeding down Interstate 5 when you spot a CHP car.  You quickly hit the brakes and slow down, relieved that you didn’t get caught – this time. Now take a minute to think what could have happened if you hadn’t been so lucky. The consequences of speeding are very risky. First, your speeding could have hurt somebody – or yourself.  According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents.  That’s a big risk to take. Second, getting a ticket could put a big hit on your wallet.  Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime.  And who…

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Homeowner’s Policy Non-Renewals and Cancellations

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Have you received a non-renewal or cancellation from your homeowner’s insurance company?  Why would they do this to you?  More importantly, what do you do now?  Most people don’t give a lot of thought to their homeowner’s insurance policy – until they’re faced with the threat of losing it.  Insurance companies will cancel or non-renew a policy for a few different reasons, some of which are out of your control.  But first – what is the difference between a cancellation and a non-renewal? If your policy is being cancelled, it is usually due to one of two things:  Non-payment of premium or fraudulent information on your application.  It is very rare for us to see fraudulent misrepresentation, so let’s focus on non-payment.  Many people have an “impound account” with their mortgage company.  When you make your monthly mortgage payment, the property taxes and homeowner’s insurance payment are included.  Every year…

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BBQ Safety & Consequences

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July is the most dangerous month for outdoor grilling, followed by May, June and August.  Each year an average of 8,800 home fires are caused by grilling and close to half of all injuries involving grills are due to thermal burns.  The agents at CIG Shasta County Insurance Center want you to be safe when you grill, so we’ve offered some suggestions and give some startling examples of consequences in our latest blog. According to the National Fire Protection Association, three out of five households own a gas grill.  Those gas grills cause a higher number of fires than charcoal grills.  But you charcoal grillers aren’t off the hook!  Particular dangers related to charcoal grills include the use of lighter fluid (don’t add it to hot coals), disposing of used coals and the use of proper protective equipment.  If you are like me, you use your gas grill year-round.  If…

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Ways to Avoid Parking Lot Fender Benders in Redding

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There’s a whole lot more going on in parking lots than just parking.  Door dings, runaway carts, oblivious pedestrians and impatient drivers make parking lots in Redding (or anywhere) a stressful place.  Between 15-20% of accidents happen in parking lots with most of them being fender benders.  The agents at CIG Shasta County Insurance Center want to make sure you don’t become a statistic.  Here are five tips to make parking lots more user-friendly: Slow Down! Speeding decreases the amount of time you have to react.  We’ve all seen children running loose in parking lots, stray carts not quite inside the corral or a driver backing out of a space who is not paying attention.  Is a collision really worth the price of “getting there” a few seconds sooner? Use Your Eyes – and Mirrors Keep a lookout for perils at all times, even if the lot seems empty.  When…

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Wildfire Season

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It’s going to be another hot, dry summer…Temperatures well over 100 degrees all this week.  Most of you in Shasta County know what that means:  Fires.  As we head into wildfire season, here are a few tips to help your family stay safe and keep your home protected. A surprising fact:  Wildfire can happen in almost every state While wildfire strikes more frequently in the West, nearly every state has been devastated by fires in the last century.  And each year hundreds of homes are destroyed as more people choose to live closer to nature.  In 2013, California was the most wildfire-prone state, according to Verisk Insurance Solutions, with almost 2 million households at high or extreme risk from wildfires. Know what your insurance covers and how much you need Your insurance policy covers repair or rebuilding costs.  If you can’t live in your home, most policies will pay additional…

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Honoring Dad on Father’s Day

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Time To Honor Dad With summer drawing near and the weather warming up, California’s neighborhoods come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbeques, to name a few. For many people, those things all bring to mind one specific person:  Dad.  And since Father’s Day is just around the corner, we at the CIG Shasta County Insurance Center thought we’d give you some gift ideas – and some fun history trivia, too! The History of Father’s Day Marked on the third Sunday of June in the United States (and in many other countries), Father’s Day was first celebrated in 1910 to complement Mother’s Day.  According to Wikipedia, the day was created by Sonora Smart Dodd of Spokane, WA, who wanted to honor her father, Civil War veteran William Jackson Smart. Although Dodd originally suggested her father’s birthday in early June, she had not…

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Drought Friendly Landscaping Keeps Your Home Safe Too

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Simple Steps Can Give Confidence to Those Living in Wildfire Country Firescaping or droughtscaping?  Either way, Californians are being forced to alter their view of what a beautifully landscaped yard looks like.  After our most recent spate of devastating wildfires throughout the West and the fact that we are enduring our fourth year of drought, many are looking at landscaping a different way.  Tall trees, dense foliage and fields of golden grass that once provided a beautiful rural setting are now considered potential tinder.  Even the small, green front lawn is in danger this year.  The CIG Shasta County Insurance Center has some suggestions for things you can do to help protect your home from fire and practice water conservation as well through drought friendly landscaping. Choose the right plants Highly flammable plants contain fine, dry or dead material within the plant (twigs, needles, leaves); they contain oils and the…

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Remember
Memorial Day

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Memorial Day is Monday, May 25th. Although many see it as the start of summer, please remember Memorial Day is a day of remembrance of all who have fought on our behalf in the wars of our nation and lost their lives in so doing. A moving ceremony takes place at Arlington National Cemetery for Memorial Day. Members of the 3rd Infantry Division (the Old Guard) place small American flags on over 220,000 tombstones of fallen soldiers. The flags are placed precisely one foot in front of the grave markers and perfectly centered. An honor patrol remains, 24 hours a day, throughout the weekend. Arlington is the only national cemetery to hold servicemen from every war in United States history. The first soldier was buried there in 1864, on the former estate of confederate General Robert E. Lee. In 1866, 2111 unknown Civil War soldiers killed on battlefields near Washington,…

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Prom and Graduation Safety

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High school is full of defining moments for North State teens and two of the highlights for most are prom and graduation.  However, this time of year often sees other, more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs. At the CIG Shasta County Insurance Center, we want to help make this season one to celebrate for you and your teen.  So, with the help of the National Highway Traffic Safety Administration, here are some tips that can keep your teen safe. First, encourage your teen to follow these general safe-driving rules: Absolutely no alcohol Always use seat belts No cell phone use (including texting) while driving Special Circumstances Of course, special events such as prom and graduation often present special circumstances.  There may be dinner with dates before the dance and parties before or after either…

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Spring Cleaning Tips

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Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.) Take it one room at a time. Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently. Follow the six-month rule. Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it. Don’t forget the kitchen. Just…

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