Cover Your Assets With Umbrella Insurance

Umbrella insurance may seem like the insurance policy that you can skip and save a couple dollars. However, with the tremendous number of lawsuits, umbrella insurance can protect your assets beyond what typical insurance policies offer. If there is an unfortunate accident that is your fault, chances are that your normal insurance policy will not cover everything. Investing in an umbrella policy is a good way to make sure you are covered in any situation.

Typical umbrella insurance policies provide $1 million in liability. This protection is designed to take effect once the liability coverage of other policies have been exhausted. Liability is the portion of the insurance policy that covers the medical bills, rehabilitative therapy, and lost wages of a person who is injured that is cause by you. It also covers the legal defense that comes along with a lawsuit that comes out of the accident. Most of the time, the liability of a classic homeowners insurance or auto insurance policy will not cover all of the medical expenses and legal fees of the injured person.

Umbrella insurance is that added liability that will cover all of the fees that are associated with an accident and all the fees that are associated with it. An umbrella insurance policy will also provide protection against any lawsuit that deals with slander or the defamation of a person’s character. It will also cover you for any decisions that you may have made while working as a member of a nonprofit board that resulted in a lawsuit.

For more information about how you can protect yourself from beyond the typical insurance policies, contact Access West Insurance Services Inc. As an independent insurance agency, located in Murrieta, California, they will work with their affiliate companies to ensure you get the best protection at the right price.

Family Fun for Summer

With the kids being out of school for the summer, it is easy for them to get bored since they are not kept busy by a full school schedule. Finding fun activities will not only keep them busy, but it will also help ease your mind as a parent. There are plenty of fun events and activities in the Murrieta area for the whole family to enjoy this summer, including:

  • Family night at Epic Rollertainment in Murrieta. The new skating rink is offering family night on July 17th, which include four admission tickets, four skate rentals, one whole cheese or pepperoni pizza, and 4 soft drinks, all for only $35. If you are not planning on bringing the whole family, there will be specials of only a $6 admission price and $4 skate rentals. The night of specials starts at 6 p.m. and goes until 9 p.m.
  • Mulligan Family Fun Center is offering $12 Tuesdays, every Tuesday. For just $12 you can enjoy unlimited use of the rock wall, video arcade, train ride, tea cups, carousel, rookie go-karts, frog hopper, and lazer tag area. For only a $6 upgrade, you can also enjoy unlimited use of the miniature golf course, water slides, and go-karts. There is also a pizza special for a cheese pizza for only $9.99.
  • If you are looking for a fun event to go to without the kids this summer make sure to check out comedian Marc Patrick. He is putting on hilarious shows from July 25th through the 27th. He shares his humors stories about raising children, harsh realities of getting older, and the perils of managing money.

To make sure your family is covered this summer in any event, contact Access West Insurance Services Inc. As an independent insurance company in Murrieta, California they will work with their affiliates to ensure you get the most comprehensive insurance plans to best fit all your needs.

Protecting Your Home from a Wildfire

With all the recent wildfires, it is important to remember what you can do to protect your home from being destroyed from fires. Wildfires can start without warning and cause thousands of dollars in damage to your home and belongings. Make sure to keep these tips in mind during the hot summer weather to protect your home from wildfires.

  • Make sure everyone in the family knows at least two different ways to get out of the neighborhood in case you are not able to evacuate together.
  • Cover the attic, eaves, and sub-floor with noncombustible screening with a mesh size that is no greater than 1/8 inch.
  • If you are building a new home in a fire area, make sure to use fire-resistant siding materials. Also try to limit the number of windows that face large numbers of vegetation, since the heat from a wildfire can cause windows to break before the fire even reaches the home.
  • Do not use any combustible mulch, such as bark and wood-chips.
  • Plant fire resistant, native plants whenever possible.
  • Remove all dry grass, brush, trees, and dead leaves within at least 100 feet of your home to create a defensible place.
  • Make sure to remove all dead branches that are within 15 feet of your chimney.
  • Do not keep any combustible materials under the deck.
  • Do not keep any flammable materials, including firewood, gasoline, propane gazebos, and patio furniture within 30 feet of your home.
  • Keep roof valleys and rain gutters free of any leaves, pine needles, and dry vegetation.

The most important way to protect yourself from a wildfire is to make sure your home is protected with the proper homeowners insurance coverage. Contact Access West Inc. in Murrieta, California to ensure that your home has the right amount of coverage in case of fires in the area.


100 Calorie Snacks for Healthy Eating This Summer

Mixed nutsMany people use 100 calorie-sized portions as a way to keep track of their eating in the summer. By portioning food into 100 calorie servings, calculating calories consumed is simple. Here are twelve tasty, quick snacks that are just 100 calories to help you simplify your diet plan this summer.

1. One banana–Bananas are loaded with potassium that can prevent cramps, and they are extremely portable, requiring no preparation or utensils to eat.

2. Three cups popcorn–Don’t use butter-loaded, microwave popcorn; however, air-popped popcorn is filling and tasteful.

3. Instant Oatmeal–For a warm, filling breakfast on a cool day, mix up a packet of plain instant oatmeal.

4. One cup Yoplait Light Yogurt–Available in a variety of fruit flavors, this snack provides calcium and beneficial yogurt cultures.

5. Shrimp–If you are at a party, eight shrimp and four tablespoons of cocktail sauce are about 100 calories.

6. String Cheese–Stash two light string cheese snacks in your purse for a 100 calorie, protein-rich, mid-afternoon snack

7. Baby Carrots and Hummus–One cup of baby carrots and about two tablespoons of hummus will give you a satisfying, filling, crunchy snack.

8. Cantaloupe–Like most melons, cantaloupe is mostly water. You can pig out on half a cantaloupe without ruining your diet plan.

9. Strawberries–Strawberries are long on flavor and short on calories. Pair a cup of berries with three tablespoons of Cool Whip Free for a tasty, summertime dessert.

10. Chocolate–Sometimes nothing but chocolate will do. You can have five Hersey’s Special Dark Kisses as a stress-reducing, 100 calorie indulgence.

11. Pretzels–Do you crave a salty snack? Portion a bag of Rold Gold Fat Free Tiny Twists into baggies containing 18 each for an easy-to-grab salty snack.

12. Chocolate Milk–Need something cool and creamy for a hot summer day? Stir one tablespoon of Lite Hersey’s Syrup into a cup of non-fat milk for a refreshing summer beverage.

If you need insurance coverage in the Murrieta, California area, contact Access West Inc. today!


Getting your boat ready for summer

Fishingboat Powered by Three Outboard EnginesBefore taking your boat out of winter storage make sure you prepare it well for the summer. Proper maintenance and preparation are crucial not just for the longevity of your vessel but also to prevent potential safety problems. Getting your boat ready for spring launch means running through a checklist of safety and maintenance items including a through inspection of the fuel system, belts, hoses and cables, the electrical system and other crucial components of your boat.

Inspecting your boat’s fuel system for leaks or damage could prevent costly repairs down the road and ensure that your boating opportunities do not end midseason. When inspecting the fuel system, make sure to look at the fuel hoses and tank surfaces for cracks or signs of brittleness. Promptly replace or secure any fuel system component that looks loose, damaged or broken.

A damaged propeller can create unwanted performance issues including damage to the drive train of your vessel and excessive vibration. Inspect your boat’s propellers for distortions, cracks, pitting or dents. When inspecting your propellers make sure to also review the hull of your vessel for dents, blisters or any other signs of weakening. Ensure the drain plug is clean and properly secured before putting your boat in the water

Your boat’s electrical system is another vital component. Before your first launch this season thoroughly inspect all electrical connections for signs of corrosion and dirt. Remove and clean your battery terminals and all cables. Test your battery and make sure to either recharge or replace it.

Similarly, replace, flush or top off all fluids in your boat including engine oil, power steering fluids, engine coolant and all your drive lubricants. Fluids keep your boat running smoothly and ensure long engine life and power train durability. In addition to checking the fluids, make sure to also inspect hoses, cables and belts. All cables and belts should fit snugly around the respective component and should not show any sign of brittleness or cracking.

In addition to such measures make sure that your boat is properly insured before taking it out this summer. Insuring your boat protects you from having to bear the costs of an accident, repair or other unforeseen problem midway through the season. For more information on boating insurance coverage in California please contact the insurance specialists at Access West Inc. Insurance in Murietta, California.

What’s Up Wednesdays: June

"WEDNESDAY" (agenda calendar week day date time planner meeting)June is the time of the year when summer fun begins.  Memorial Day weekend has come and gone and we at Access West Inc. hope you had a great time.  We know how much our clients love and enjoy the greater San Diego/Murrieta area. Want to know What's up Wednesdays this June?  Here are some events you won't want to miss so mark your calendars now.  
Old Town Temecula California-Certified Farmers Market
When: May 31; June 7-14-21-29; July 5-12-19-26; August 2-9-16-23-30 
 Where: Old Town Temecula California
Consider a Friday night stay in the area in order to get an early morning start on Saturday morning. Enjoy this open air marketplace where both locals and visitors find  tree-ripened cherries, peaches, apricots, and nectarines and much more from local farms.
Father's Day Car Show
When: June 15, 2014
 Where: California Oaks Sports Park
There is a $25 Pre-Registration fee that includes an event t-shirt.  The day of registration fee is $30 and it does not include a t-shirt.  Go check out the pre-1980 vehicles and enjoy a great day with the family-- humans only **Sorry, there are no dogs permitted during this special event**  For more information and details contact the Murrieta Community Services Department  online at or call (951) 304-7275.
Temecula Arts Festival
When: June 20-22, 2014
 Where: Old Town Temecula
The festival will include the Temecula Art Festival, the Old Town Temecula Street Painting Festival, and the Ralph Love Plein Air Festival. The Art Festival will feature work from talented artists. The Street Painting Festival is a grand performance art.  Come and see 140 artists create vibrant murals to 100 square feet/30 square meters. During the Ralph Love Plein fest, which is very popular with impressionists (Monet/Renoir), fine artists paint traditional canvases in the open air. On Sunday at 3 p.m., view muralists’/painters’ completed works and dine in Old Town, on  Monday you can celebrate with a hot air balloon flight at dawn. Find out more online at:
23rd Annual Murrieta Birthday Bash! 

When: Saturday, June 28, 2014 
Where: California Oak Sports Park
The day's schedule is as follows:
 2pm - 9pm 
 2 p.m.- Event opens
 5 p.m.- Southbound and Company
 7 p.m.-Rock Fantasy -  a musical tribute to rock artists from Jon Bon Jovi to Mick Jagger
 Other evening highlights include a spectacular fireworks display immediately following the musical entertainment.  This is a non-smoking or drinking event.  Pets are not allowed and neither will you be allowed to barbecue. Still, you won't want to miss this. For more information, contact the Murrieta community services, check out the website at or call  (951) 304-park.

Here's hoping you're able to make it out to one of these great events in June.  Mark your calendars and don't forget to make a note to contact Access West Inc. insurance about reviewing your coverage or to find out more ways to make sure you and your family are fully covered.

Golf Cart Coverage: 10 Safety Tips and Insurance Help

golf approach shotMany golfers are under the impression that their homeowners policy covers any damage and bodily harm caused while on their golf cart. While it may cover anything that occurs on the golf course, it’s highly unlikely that you’re going to be covered if you ride it to a neighbor’s house or allow one of your teenagers to take it for a cruise down the road.


It’s always recommended to speak with your insurance agent to determine exactly what type of coverage you need. Who knows, you may need additional coverage for your golf cart and golfing activities, but it’s always better to be safe than sorry! After all, it only takes a small incident to cut your fun short, which can be very aggravating, especially when you consider the fact that all you needed was the proper coverage for your ride.

One thing you can do other than getting the proper insurance coverage for your golf cart is to practice safety when riding. Here are a 10 golf cart safety tips:

  1. Drive courteously while following traffic laws.
  2. Don’t drink and drive!
  3. Don’t carry more passengers than the golf cart can safely carry.
  4. Make sure to only operate the golf cart from the driver’s side.
  5. Always look in your blind sports prior to turning.
  6. Avoid taking corners to quickly.
  7. Avoid any type of distractions while driving, such as texting, eating and applying makeup.
  8. Don’t let anyone stand up on the golf cart while it is moving.
  9. Make sure to exercise extreme caution in bad weather.
  10. Reduce speed as necessary to match driving conditions, such as intersections, hills, etc.

Here at Access West Inc. we offer standalone golf cart insurance policies for California residents. On average, these policies run about $75, but for a more accurate estimate, please contact us for a quote today!

Covering your business when employees drive their own cars during work hours

As a business owner it is important to keep your employees productive and safe at all times. Depending upon the business needs, it may be necessary to have an employee drive his or her own vehicle for company matters. It is important to make sure your employee’s vehicle is covered and your business is protected should your employee get in an accident during work hours.

Check to make sure your employees have the appropriate auto insurance coverage before allowing your employees to drive their own vehicles during work hours. This is primarily because a standard business auto policy only protects the business, not the employee. These policies do not cover damage caused to the employee’s car, but will protect the employer from any lawsuits that have been filed or the employee has no insurance coverage.

Take time to speak with your auto insurance agent to ensure your business’s auto insurance policy includes coverage for “non-owned” and “hired” vehicles. At an additional cost, it is also possible to add an employee as an “additional insured” to a business auto policy. If the employee is listed as an additional insured, the business policy will kick in once the employee’s auto insurance has paid its portion.

To learn more about your auto and business insurance options contact Access West Inc. in Murrieta, California.

What’s Up Wednesdays: May

May is just around the corner and we at Access West Inc. know how much our clients love living and playing in the greater San Diego/Murrieta area especially as the weather hits its peak. Want to know What’s up Wednesdays this May?  Here are some events you won’t want to miss so mark your calendars now.  

The Original Renaissance Pleasure Faire 

Check out this outdoor event during early May.  Set in the historic medieval times of yore when knights would joust on horseback and royals ruled the land, you can expect to enjoy a festive time filled with elaborate costumes, turkey legs for lunch and much more. 
When: Saturdays and Sundays, April 5-May 18 
Where: Santa Fe Dam Recreation Area, 15501 Arrow Highway, Irwindale, California  
Information: 626-969-4750; 
Old Town Temecula Western Days (May 17-18)
This event celebrates Temecula Valley’s Old West lifestyle with fun activities such as western music, entertaining exhibits, and even trick- and calf-roping. Come and watch as costumed characters perform skits and Temecula Gunfighters reenact a high-noon robbery of The Bank (constructed 1914; celebrating 100 years). 
On Sunday the celebration will feature the International Chili Society’s regional Cook off and it will include a People’s Choice Tasting.  The winners will advance to the World Championships. Find out more online at: 
JazzReggae Festival 
Music lovers will enjoy the JazzReggae Festival in Los Angeles during the Memorial Day weekend.  Why not plan to attend this spectacular festival which has brought big name acts like Santigold, Ziggy Marley and more for what has become a Memorial Day weekend tradition in the area.
When: May 25-26 
Where: UCLA Intramural Field, 405 Hilgard Ave., Los Angeles 
For more Information check out their website at:
 The Temecula Valley Balloon & Wine Festival 

This festival is a top name entertainment event featuring Wine Tasting, a beautiful Wine Garden, a tremendous Food Court, great Kids Faire, Arts & Crafts and Commercial exhibits. The Wine tasting features different premium wines from numerous Temecula Valley wineries as well as others from Southern California. For more information check out:   When: May 30, May 31 & June 1 

While you’re marking your calendar don’t forget to make a note about contacting Access West Inc. in order to update your current insurance needs or learn about more ways we can help.  

Top Pool Safety Tips

Pools are essential for many Californians. However, many pool owners are not aware of basic pool safety. Here are some tips from and Access West Inc. insurance.

Keep A Phone Within Reach

In emergencies, every second counts. Make sure a phone is nearby. Take a mobile out to the poolside, especially if children are using the pool.

Fence It

Install fences around pools to keep out curious children and pets.

For Portable Pools

Small children can drown in only a few inches of water. They often wander into portable pools left full in yards. If you have a portable pool, always drain it or put it away when you cannot supervise it.

For Dog Owners

Dogs do not instinctively know how to swim. They must be taught. Always supervise dogs when they visit pools. Life jackets for clumsy dogs like bulldogs are highly recommended. Keep a ramp in the pool when it is not in use. That way if animals fall in, they have a way to get out.

If you live in the Murrieta, California area, find out how insurance can help protect you, please contact Access West Inc. today.