Is Your Emergency Kit Properly Stocked?

Healthcare conceptA disaster can strike with little to no warning. While there may not be a way to predict disasters, there are many steps that you can take to prepare. Having the right emergency kit in your home and car can help to ensure that you are prepared for any unfortunate situation.

 

When stocking your emergency kit, it is important to make sure that you have certain necessities that will help during an emergency. Your emergency kit should include:

 

  • One gallon of water per person, per day, for at least three days.
  • A three-day supply of non-perishable food for both people and pets. Try and pack high-energy foods, such as nuts and dried fruit that will help keep your body fueled.
  • A hand crank or battery powered radio. Make sure that you have spare batteries!
  • Flashlights and extra batteries. Look for bright flashlights that are weatherproof.
  • A first aid kit that has supplies for a wide range of injuries.
  • At least a three-day supply of medications and an extra pair of reading glasses.
  • Dust masks to help filter contaminated air, as well as duct tape and plastic sheeting to create a makeshift shelter if needed.
  • A whistle that can be used to signal for help.
  • Garbage bags, moist towelettes, and plastic ties for personal sanitation.
  • A tool to turn off the utilities at your home.
  • A can opener.
  • Local maps.

Your car emergency kit should include these same items as well as flares, a blanket, jumper cables, and a jack. Having a special car emergency kit will help you be prepared in case of a disaster if you are not at home.

 

Having the right homeowners and auto insurance policies can help to ensure that you are covered from any disaster. For all of your insurance needs, contact Access West Inc. in Murrieta, California.

What to Consider When Buying a Convertible

Convertible

There are few things better than driving down the road in your convertible and feeling the wind blow through your hair. Before you go out and buy your first convertible, there are many things to consider! Make sure to look into these aspects of convertible ownership before writing a check.

  • The mild California weather allows you to enjoy your convertible all year long. However, it is important to make sure to keep a scarf or long-sleeved shirt in your car if it gets a little too cold. You should also consider the hot summer sun. Make sure you have the proper sun protection, including sunscreen and hat to protect yourself from the sun when riding with the top down.
  • The different weather elements can damage the top of your convertible, which is why it is important to invest in a cleaner that is specifically designed for convertibles and provides protection from UV rays. You should also try to park your convertible in a garage or under some type of covered parking to keep it looking and running its best.
  • One of the most common safety issues with convertibles is a blind spot, which come from small rear view windows. When buying a convertible, it is important to make sure that you ask about the roll safety ratings and warning systems to ensure that you are as safe as possible.
  • Soft vs. hard tops. Hard tops are slightly more expensive, but they also provide extra protection from weather elements and car crashes. No matter what top you choose, it is vital to take good care of it.

When buying a new convertible, make sure that you invest in the right auto insurance policy to provide the right amount of coverage. Contact Access West Inc. in Murrieta, California for all of your auto insurance policy needs.

Don’t Miss These November Events

Autumn leavesNovember is officially here, and with the start of a new month comes many fun and exciting events in the local area. Make sure to bring out the whole family to enjoy all that these community events have to offer!

 

The 12th annual Veteran’s Day Parade is going on Tuesday, November 11th, starting at 10 a.m. The parade will start on Washington Ave. with a flyover by military planes and the national anthem. The parade will then continue through historic downtown Murrieta and end at Town Square Park with Field of Honor.

 

The Temecula Children’s Museum is offering many fun classes through Pennypickle’s Workshop to get children interested and excited about science. Frozen Science class is happening on November 14th, and will teach children about the beauty, power, and danger of ice. Testing Toys Lab on November 21st is the perfect place to check out all the fun items that are sold at the gift shop. There will also be a 10 percent discount on all toys that you buy that night.

 

If you are looking for something a little more active to enjoy this month, make sure to come down to TSP Temecula Skate Park. The one-acre skate park is the best place to work on your skateboarding, in-line skating, and scootering skills. Temecula residents get in for free with a $1 resident card that only needs to be purchased once a year.

 

There are also many opportunities to give back while celebrating all that you are thankful for this Thanksgiving. Simply fill out this easy form to learn more about all of the wonderful volunteer opportunities that are available this month!

 

Access West Inc. in Murrieta, California would like to encourage you to check out all of these fun events in the local area this fall.

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The Right Insurance for Fallen Trees

Road accident car crash againsta a tree on a city roadHaving trees in your yard is a great way to add beauty and value to your home. However, it is important to keep in mind that there are also some dangers that are associated with trees. Having the right insurance policies in place is the best way to ensure that you are protected in case one of your trees falls and damages your car or home!

 

If one of your trees falls on your car, your auto insurance policy will provide coverage, as long as you have comprehensive coverage. If you did not invest in comprehensive coverage when you bought your auto insurance policy, you will be left paying out of pocket to cover the cost of the damage. If the tree falls on your neighbor’s car, the comprehensive coverage will also cover the damage.

 

If your tree falls on your home, your existing homeowners insurance policy will provide enough coverage to cover the damages. Your homeowners insurance policy will also provide coverage if one of your trees falls and damages another structure on your property, such as a shed. If the tree falls on your property and does not damage any structures, your homeowners’ insurance policy may not cover the cost to clean it up. Talking to your insurance agent is the best way to find out how much coverage you have!

 

Luckily, there are many steps that you can take to ensure that all of the trees on your property are healthy and strong. A professional arborist will be able to tell you if there are any problems with your tree, and if there are any treatments available for it. They will also be able to tell you if you should remove the tree for safety issues.

 

For all of your auto and homeowners insurance needs and to ensure that you are covered in any unfortunate situation, contact Access West Inc. in Murrieta, California.

Why You Need Cyber Liability Insurance

CYBER ATTACK. Word cloud concept illustration.Computers and the Internet have made it much easier and smoother for businesses to do business! However, it also opens the door to cyber breaches that can cause huge problems. Investing in the right cyber-liability insurance policy is the best way to ensure that you are protected from any unfortunate situation.

If your business experiences a data breach, it cannot only cause financial distress, but it can also ruin your reputation, which will cause even more problems in the future. There are many reasons which you should invest in a cyber-liability insurance policy, including:

  • Cyber-attacks and data breaches are now more common than ever. In the past year, they have increased by 42 percent!
  • 40 percent of all breaches happen in businesses that have 1,000 or fewer employees, while 31 percent of all data breaches happen in those that have less than 100 employees.
  • Data breaches can happen to a business in any industry, including manufacturing, professional services, and retail sectors.
  • The average cost of a data breach is $5.4 million. This price includes any costs related to revenue loss, business disruption, legal fees, equipment damage, forensic analysis, public relation expenses, and notification costs.
  • The average cost associated with a data breach is $188 for each compromised record! No other business insurance policy will provide the right amount of coverage to cover this cost, which can ruin your business.

For all of your business insurance needs and to ensure that you are protected in any situation, contact Access West Inc. in Murrieta, California. As an independent insurance company, we will work with you to make sure that you have the right amount of coverage, all at the right price.

Simple Tips to Get Your Home Ready for Fall

Man Cleaning Gutters

The cooler fall weather means that the even colder winter weather is just around the corner. To help make sure that your home is ready for the dropping temperatures and more time spent indoors, keep these maintenance tips in mind.

  • Clean out your rain gutters. Make sure that your rain gutters are clear of any fallen leaves or other debris. Clogged rain gutters can cause water to back up into your roof and walls, causing hundreds or even thousands of dollars’ worth of damage.
  • Turn your down spout. Check to make sure that your down spout is facing away from your home so that the run-off water does not damage the foundation of your home.
  • Put away your tools. Clean all of your gardening tools and store them in a cool, dry place to make sure that they will be ready to use when the weather heats back up again.
  • Check the furnace. Hire a professional to come out and check your furnace to ensure that it is working properly. Also make sure that they do any routine maintenance that need to be done.
  • Clean out the fireplace. Hire a professional chimney sweeper to clean out your fireplace and chimney. Chimneys that are full of soot can easily cause a fire and push dangerous carbon monoxide fumes back into your home.
  • Check your alarms. Test all of your smoke alarms and carbon monoxide alarms throughout your home. Replace any alarms that are outdated or that are not working properly.
  • Clean out your cabinets. Check all the cabinets in your kitchen and bathroom and throw out any food or medication that is expired.

One of the most important steps in preparing your home for the cold weather is to look over your homeowners insurance policy to ensure that you have the right amount of coverage for any situation. For all of your homeowners insurance needs throughout California, contact the insurance experts at Access West Inc. in Murrieta, California.

Construction Codes for Handicapped Bathrooms

White Keyboard with Disabled Icon Button.

If you own any type of public or commercial building, you are required to have a handicapped accessible bathroom. There are many different guidelines that must be followed to ensure that your handicap bathroom is up to code. Some of the most common codes include:

  • Grab bars. Towel bars are not allowed to replace grab bars. The proper height for a grab bar is between 34 and 28 inches off the ground. It is also important to remember that grab bars must have rounded edges to ensure that nobody will be injured by a sharp point on the bar.
  • Clear floor space. In order for a bathroom to be considered handicapped accessible, the minimum dimensions of clear space on the floor must be 30 inches by 48 inches. The clear space is permitted to be located under fixtures, such as a sink, as long as there is still clear space that will allow legs to move freely under the space while sitting in a wheelchair.
  • Rotating space. In order for a wheelchair to be able to rotate freely, there must be an area of at least 60 inches in diameter to allow for a complete 180 degree turn.
  • A handicap toilet must bet at least 60 inches in diameter, as well as have enough space to accommodate the wheelchair on the sides and in front of the toilet. There also must be a grab bar installed behind the toilet, or on the nearest wall, whichever is closer.

It is also important to keep in mind that handicapped accessible bathrooms are not covered under a property insurance policy. To make sure that your property and all other areas have the right amount of coverage in case of any unfortunate accident, contact Access West Inc. in Murrieta, California.

Importance of Earthquake Insurance

earthquake measures and magnifier

With the recent earthquake in Napa, it is the perfect time to make sure that you and your home are covered in case of an earthquake. The only way to fully protect yourself and all of your assets from an earthquake is to invest in an earthquake insurance policy.

Homeowners’ insurance policies will not provide any coverage from damage or destruction that is caused by an earthquake. Even with this knowledge, only 17 percent of homeowners in California have earthquake insurance. Many homeowners have different reasons for not protecting their home with and earthquake insurance policy. Make sure to avoid these common beliefs to ensure that your home is protected with the right insurance policy.

  • My home has survived past earthquakes. Each earthquake is different, so just because your home was not damaged in the last earthquake does not mean that it will survive the next one.
  • My home is retrofitted for earthquakes. While taking steps such as bolting your home to the foundation are a great precautionary measure, it does not mean your home is completely protected.
  • I will give my home back to the bank. Although giving your home back to the bank means that you will not have to pay for any of the damage, it also means that your credit score will be ruined and you will lose all the equity that was built into your home.
  • FEMA will give me money to rebuild. FEMA does offer loans to help homeowners rebuild after a disaster, but it is important to keep in mind you will have to pay back that money. If you have earthquake insurance, you will only have to pay for the deductible, and not have to worry about paying any of the money back.

For all of your insurance needs throughout California, make sure that you are covered from any situation, contact the insurance professionals at Access West Inc. in Murrieta. We will make sure that you have the most comprehensive coverage that best fits all of your needs.

Don’t Miss these Local Events!

Art autumn Pumpkin thanksgiving backgrounds

With the fall weather cooling down, it is the perfect time to enjoy some of the fun events in the local community with your family. Make sure to keep these exciting events in mind next time you are looking for something that the whole family will enjoy.

The Peltzer Farm Pumpkin Patch is open every day, starting on September 28th. The farm offers a unique day at the farm experience that people of all ages will enjoy. There is a chance to ride a train through the pumpkin patch, visit with the animals in the petting zoo, and enjoy all of the other exciting farm activities. There are pumpkins of every size that are available for purchase, as well as gourds, hay bales, and corn stalks.

You will not want to miss the 1st Annual October Fest at Galway Downs in Temecula. All the fun happens each weekend starting on October 11th, and running through October 26th. The festival features fun and games for both adults and children of every age. There is a miniature corn maze, pony rides, hay rides, face painting, petting zoos, and much more. For the adults, the festival also features a car and bike show, vendor market, and drink vendors to enjoy.

Make sure to check out the Big Horse Annual Corn Maze & Pumpkin Patch starting October 4th! As the largest corn maze and pumpkin festival in Southern California, the whole family is sure to enjoy their time spent here! There are many activities to keep everyone entertained all day, including a batting cage, face painting, pony rides, piglet races, and pumpkin bowling.

Access West Inc., located in Murrieta, would like to invite you to check out all of these fun events in the local area this fall!

Are you Covered from any Situation on the Road?

Even though it is required by law to have insurance for your vehicle, many people do not have insurance. One in every 7 drivers in the U.S. do not have the required auto insurance. To make sure that you are protected from any unfortunate accident with an uninsured or underinsured motorist, make sure to invest in the right auto insurance policy.

Uninsured or underinsured motorist coverage will provide the protection needed in case you are in an accident with a driver that does not have any insurance, or does not have the right amount of insurance to cover the costs that are associated with any injuries that you sustained in the accident. The policy will cover the costs that the other driver’s insurance would have, including medical bills and any medical care that you need after the accident.

Typically, uninsured or underinsured motorist coverage will not provide coverage for the damage to your vehicle or property that was a result of the accident. However, there are additional coverage is available to add on to the policy to provide coverage for damage. Not only will the additional coverage provide payment for the damage done to your vehicle, but it will also cover the cost of repairing or replacing any items that were in your vehicle and damaged during the accident, such as your laptop.

For all of your auto insurance needs to ensure you are protected in any situation while on the road, contact Access West Inc. in Murrieta, California. We can provide you with the most comprehensive auto insurance policy to provide the protection that you need while behind the wheel. As an independent insurance company, we will work with you to ensure that you get the right coverage for your lifestyle, all at the right price.