Tag Archives | Homeowners

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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How to Prevent Your Home from Flooding

Although we're on the West Coast, big storms can hit us too.

It was difficult for us in Southern California to understand the devastation left behind on the East Coast by Hurricane Sandy, especially as we were enjoying record temperatures and true “beach weather”.

But just think back to two Decembers ago, when downtown Laguna Beach was under four feet of water right before the Christmas holiday. Although not as bad as a hurricane by any means, that storm devastated south Orange County, and had people being rescued from their roofs, homes were destroyed and old-growth trees uprooted. Then there were the windstorms last year at this time that were sweeping the Southland, causing millions in damages to homes, businesses and cities. Continue Reading →

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Scam Artists Prey on Disaster Victims, Even in Orange County

We might think that just because we’re in affluent Orange County, where usually not much happens in the way of disasters, we’re safe from scam artists. Just because we don’t have hurricanes, flooding rivers, tornadoes or blizzards—just wildfires, mudslides and earthquakes—doesn’t mean we don’t have criminals that are ready to make money off the back of someone’s heartbreak. Continue Reading →

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Fire Facts: It’s National Fire Prevention Week!

Did you know that a home structure fire was reported every 85 seconds in 2010?

We take house fires pretty seriously here at BMR Insurance Agency. We truly care about our customers and their families, and want to make sure that they never have to use that homeowners insurance policy we set up for them. But in case of emergency, we also want everyone to know exactly what they should do to ensure their safety. Continue Reading →

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Mountain Biking in Orange County

We’ve been promised that the temperatures will calm down by the end of this week, and we can’t wait. Not just because our air conditioning usage (and therefore our electricity bill) will drop considerably, but also we want to get in to some fall clothes, cooking and activities.

Now, we don’t get a traditional “autumn” here in Southern California, with frosty mornings and swathes of trees changing color. The days get a little shorter, the nights get a little chillier—as the joke goes, it gets below 60°F here, and residents put a sweater on over their shorts and flip-flops. If it gets really cold, they might pull out the sheepskin-lined boots. Continue Reading →

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Winter Is Coming: Is Your Roof Ready?

Don't wait this long to get your roof checked!

Yes, we swear. Even though it’s sweltering out there right now, winter is indeed on its way. And even though our winter won’t be as bad as the fictional winter of the Game of Thrones, we should be bracing for an El Niño. Last year we had an La Niña winter, which means it was dry and fairly warm, so you can guess what an El Niño is—a heck of a lot of wet, cold rain.

Because there are varying degrees of an El Niño weather system, we’re not absolutely sure what to expect this year in the way of wind, rain and flooding. We’re in the insurance business to keep our customers safe, happy and in this case, dry. Continue Reading →

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Pool Safety Week: July 22-29

Don't let your children play in the pool unsupervised, especially if they are under five.

Do you have a pool and children? Many Orange County residents would love a pool, especially on a day like today when the sun is shining and the kids are out of school. Next week is Pool Safety Week, and we take safety very seriously at BMR Insurance Agency. Continue Reading →

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Does My Insurance Cover Tenant Vandalism?

It's not just abandoned buildings that get vandalized...

That’s a great question, and it’s one that we get asked often. And the answer is: Maybe.

But probably not! Don’t assume that the standard homeowners insurance you purchased for your rental property covers tenant damage and vandalism. Please call us so we can review your coverage and make sure you’re covered for this possibility.

Why? Maybe you’re assuming that those long-term tenants would never do anything to damage your home. Continue Reading →

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Safety Tips on Barbecueing for Memorial Day in Orange County

Don't leave your barbeque unattended. Please.

Did you know that 6,900 home fires were started because of gas grills? That’s not the total number—that’s on average PER YEAR between 2005 and 2009! And if you’re smirking because you use charcoal, this might wipe the smile off your face: Charcoal and other solid-fueled grills were involved in an annual average of 1,100 home fires during the same time period.

These are statistics from the National Fire Protection Association, and not ones we just made up to scare you. And with Memorial Day coming up this weekend, we want to make sure our readers are prepared! Continue Reading →

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When Wildfires Hit California, Don’t Count on FEMA’s Help

With the lack of rain we've had, the wildfires are predicted to be very bad this year.

When the flames begin to burn through the Californian terrain, don’t expect the Federal Emergency Management Agency, or FEMA, to provide you and your family with the necessary funds to rebuild your home. Even if the wildfires become a natural disaster and create tens of millions of dollars in damage, the federal agency is not obligated to assist the state or the families with property damage, lost possessions or loss of life.

You might think this couldn’t happen, but it just did. Continue Reading →

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