Tag Archives | professional insurance consultation

On the Road Again! Summer Vacation in a Motorhome

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Photo ©Thomas J. Story. Click here for Sunset Magazine's guide to the best RV for you!

As the spring winds bring in warmer weather, most RV owners’ thoughts turn to hitting the road! That is especially true for the younger families who are looking forward to a summer vacation during the kids’ break from school. For mom, dad and the kids, exploring the nooks and crannies of the Western states is a great outlet for blowing off steam and exploring sights that have only been seen in magazines…or perhaps on an iPad. Continue Reading →

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Think Your Car is Safe and Secure? Not So Fast…

It's not just you who thinks your new Aston Martin is a beautiful car....

So, you finally bought that gleaming new dream car with chrome wheels and a special electronic security system that will foil any attempts to steal your prized possession! Do not be so certain of your invincibility when it comes to avoiding auto theft. If anything, the emerging electronic-based auto is easier to invade—with a payoff that is much greater than in the past. 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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Fire Safety Tips for the Hanukkah Celebration

Hanukkah starts this Saturday, December 8th, and for those of you who are not aware, one of the traditions of the Hanukkah celebration is the menorah. The menorah is a candelabra with nine branches that are lit during the eight-day Hanukkah holiday, and is used to celebrate a miracle, when the Jews found only enough pure olive oil to light the menorah for one day after a successful revolt centuries ago. The miracle was that the supply lasted eight days, until a new supply could be obtained. Nowadays, the menorah has eight candles to light each night during Hanukkah.

In addition to the menorah, another Hanukkah tradition is making latkes, pancakes made of potato and onion and fried in oil—another celebration of a small amount of oil keeping a long-lasting flame. And even as careful as you can be, most house fires are started in the kitchen, which means that you should be extra vigilant when using hot oil for cooking.

With one to eight candles burning nightly plus hot oil or grease, there’s bound to be some fire-related accidents. Please review this handy list of safety tips to practice during the Hanukkah celebration to keep your family safe and sound. Don’t ruin the holiday by accidentally burning your house down!

  1. This week is the perfect time to test the smoke detectors in your house, and change the batteries if needed.
  2. Buy a fire extinguisher and keep it near the place you’ll be setting up the menorah.
  3. Place the menorah on a non-flammable, solid and level surface.
  4. Make sure all candles are secure in their holders.
  5. Keep all flammable materials, including drapes, blinds, decorations and plants, away from the menorah.
  6. Before lighting your menorah, make sure that it is meant to be lit, and not for decorative purposes only.
  7. Electric menorahs should not be used if wiring insulation is frayed or broken.
  8. Never, and we mean NEVER, leave a lit menorah unattended.
  9. When cooking latkes, keep children away from the hot oil; ideally, keep children away from the kitchen.
  10. Keep frying pans on the back burners of the stove, and keep the handle of the pan(s) away from the edge so children cannot reach it.
  11. If cooking oil catches fire, turn off the gas or electric range and cover the pan with its lid—if you can do so at no risk to yourself. Ideally, use a fire extinguisher appropriate for grease fires.
  12. Never throw water or a wet towel on an oil fire, as that will cause the hot oil to splatter on you or ignite something nearby.

Please have a happy and safe Hanukkah celebration! Call us if you want to make sure your home is properly covered, along with all of its contents, give us a call. Those Hanukkah presents may need extra coverage that you don’t currently have. Call us at BMR Insurance Agency, where you’ll always get a real live BMR employee on the phone: 714-838-1911.

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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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California Continues Its Prosecution of Workers Comp Insurance Fraud

Workers’ compensation is a good thing, don’t get us wrong. There are many jobs out there that are physically taxing, strenuous and some that are downright dangerous. We’ve all seen construction workers and roofers scrambling around on the frames of buildings, or window washers clinging to the side of a high rise.

These are pretty obvious examples of how workers could get injured while on the job. But what about office workers? Continue Reading →

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Send Your Kid to College with an Auto Insurance Discount

Is your graduate off to college, or to real life? Help them with car insurance coverage.

Sending a child off to college usually creates a mixture of emotions for parents. On one hand, they’re a little sad that their child has reached an age of such independence, but on the other hand, they’re so proud of how they’ve turned out…and a little excited to have the house to themselves.

Another factor in this mix is finances. As proud as you are of your son or daughter getting in to that prestigious school, pride is not going to help you pay for the tuition, the room and board, the books and all the other expenses. (Yes, try to ignore the fact that some of that allowance money will be spent on beer.) Continue Reading →

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Behold the Stand-Up Paddle Phenomena

Do not try this your first time out, please.

Even though Tustin is a landlocked city, we’re not too far from the beach. And off the coast of just about every beach and in every harbor seems to be a paddleboarder. It could be one lone silhouette on the horizon, or a group of newbies learning from an instructor.

But believe it or not, it’s not just popular here on the California coast. Continue Reading →

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Pros and Cons of Tankless Water Heaters

Is a tankless water heater right for your home?

Many properties in other countries already use tankless, or “on-demand”, water heaters in most new-build properties, because let’s face it—in a cold English winter, you want hot water, and you want it NOW.

But here in sunny Southern California, we rarely suffer from cold weather—and before you start complaining about how cold you get here in Tustin in December, tell that to someone from New York or the midwest. But we still like our hot showers, as I’m sure those coming in from a morning surf or jog will tell you, and that could mean that a tankless water heater is for you. Continue Reading →

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