Tag Archives | homeowners insurance

Insurance Scam Targets the Elderly…and the Uninformed

Don't get taken in by unscrupulous real estate transactions.

There are countless reasons why the transactions surrounding buying and selling real estate is a lightning rod for various scams and illegal actions. Often insurance is used as a conduit for siphoning money from uninformed homeowners. Quite often elderly individuals get trapped in illegal transactions that end up costing them their entire life’s savings. Continue Reading →

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Protect Your Home and Loved Ones With a Home Security System

A home security system can save you money--in more ways than one.

There’s a common saying: Home is where the heart is. And that’s very true—no matter what size your house is, if your family and loved ones are there, it’s home. And although it is hard to put a number on how much that home is worth to you, you can never put a dollar amount on your family’s safety and security.

At BMR Insurance, we recognize the desire for security; after all, we are experts in peace of mind. And that’s why we want to bring to our customers’ attention a special that ADT Security Systems is offering. Continue Reading →

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If You Assume You’re Covered, You’ll Get a Nasty Surprise

Poor Mr. Smith. The money he saved for retirement has literally gone down the toilet due to an assumption about coverage.

Mr. Smith was living out his days in the Laguna Woods community, pretty much free of worries. His health was failing, but still he remained upbeat about his surroundings. There were no family members to look after him, but he was used to taking care of himself and, after all, was living in a community of his peers created just for retirees like him.

Then it happened. He left a pan of water heating on the stove and retired for the evening. Later he awoke to a raging fire. He escaped with the clothes on his back, but that was all. Continue Reading →

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After Recent Spate of Gun Violence, Is Orange County Still Safe?

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Neighbors standing in front of the house in Red Leaf Lane, Ladera Ranch, where a woman was shot and killed yesterday morning. Photo courtesy of the O.C. Register, Paul Bersebach.

February 6: A five-hour stand-off with Laguna Beach Police and O.C. SWAT officers. February 6-12: A former LAPD officer goes on a violent spree throughout Orange, Los Angeles and San Bernardino Counties. February 20: A deadly rampage from sleepy Ladera Ranch all the way up to Orange.

Has Orange County become unsafe? Is violence here on the rise? Continue Reading →

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Are You Underinsured on Fire Damage Coverage? We Can Help.

You can never tell how close the wildfires will get to the suburbs.

We hope that your home is never destroyed by a fire, but it can happen. Especially with Southern California’s Santa Ana winds, which can whip up a simple fire and make it widespread and deadly.

Some people have found out that this isn’t the worst part of losing your home. The worst part comes when you submit the insurance claim, only to find out that you’re underinsured. Continue Reading →

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The Northridge Earthquake’s 19th Anniversary: January 17, 2013

This is not from a disaster movie. This is an actual photo from the Northridge earthquake in 1994.

Why are we talking about the 19th anniversary of an earthquake? Because it’s important to remember earthquake safety all the time. The most dangerous thing about earthquakes, besides their potential devastation, is that we cannot predict them with any certainty.

Nineteen years ago last Thursday, the San Fernando Valley in Southern California was violently shaken by what is now known as the Northridge earthquake. Lives were lost, and there was widespread catastrophic damage estimated at $15 billion in the earthquake that measured 6.7 on the Richter scale. Continue Reading →

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Hitting the Slopes This Winter? Insure Those Skis.

Planning on hitting the slopes with your own skis?

We haven’t had a ton of snow yet in California to make the ski season exciting. Yet….let’s hope we get a few more winter storms that make Mammoth, Tahoe and Bear Valley worth the drive for some excellent skiing on the slopes.

But many ski and snowboarding enthusiasts won’t wait for the skiing to get good here in California, and will pack their skis on a plane to get to Vail and Aspen in Colorado, Sun Valley in Idaho or  Park City in Utah. Continue Reading →

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January Checklist for Home Improvement

Take care of your home, and it will last longer and provide higher resale values.

As a year ends and a new one begins, many of us make resolutions about being more active, eating a better diet, weeding through an old wardrobe or cleaning out cupboards for donations to goodwill. But what about your house? It can’t make these kind of plans to spruce itself up or keep itself in shape to live a long, healthy life.

Regular home maintenance is good for a property, extending its “economic age”, a term meaning the number of years a house is expected to survive. Continue Reading →

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How To Avoid Christmas Tree Fires

We know that many of you already put up your Christmas trees, and hopefully you’ve been enjoying their wonderful pine scent, festive looks and twinkling lights. Some people wait until closer to Christmas to choose the tree and decorate it.

Either way, you’ll probably hang treasured ornaments on it, and place your carefully chosen presents underneath it—presents you’ve probably spent a pretty penny on. Continue Reading →

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