This month’s employee spotlight is on the lovely Lora Dominguez. Lora does both commercial and personal lines in our Santa Fe office. She has been working in insurance for 13 years and 6 of those have been with Brown & Brown.
When not at work, Lora says she likes going on adventures with her husband, either doing something they have never done before or something they have never done together. She also loves spending time with her grandma. Lora says she is one feisty lady and most of the time they are laughing until they cry. Lora is also the proud dog mom of three Shih Tzu’s: Harley, Bane, and Bear.
Lora is one of the hardest workers we have, and we just love having her on our team!
Trampolines…. An Insurance Company’s Worst Nightmare
So you have a trampoline. That’s great. But you wonder why your insurance company cares and why they charge you extra for having it, even with a net. As both an insurance agent and a fan of trampolines, I am here to explain.
Your homeowner’s insurance covers you for liability, including damage that you cause that you are legally obligated to pay for. If it is your trampoline doing the damage, it is on you.
First, and perhaps most obvious, is the chance of harm to the people using the trampoline. Even with a net (which really is incredibly important), it’s easy to get hurt on a trampoline. I have a friend who was 24 years old and broke his leg on a trampoline from landing wrong, so it really can happen to both kids and adults. If the damage is severe and the kid is not yours, you may be on the hook for some pretty hefty medical bills.
Second, and less obvious, is the property damage trampolines can do. Let’s face it, New Mexico winds are not something to be taken lightly. And they definitely can get strong enough to pick up a trampoline and throw it into the next house over (trust me, I’ve seen it happen). The fence it knocks over, the window it breaks, the car it dents? All on you. Or rather, all on your insurance.
So when you see the surcharge on your policy, these are just some of the reasons. Hopefully nothing ever happens and no one ever gets hurt. But that’s what you have the insurance for, right?
Home sharing has become more and more popular over the past few years with companies like Airbnb and Homeway. But before renting out a room or the whole house, it’s always best to consult with your insurance agent to make sure you have the right coverage. Below is a blog that gives a some information to consider before you begin home sharing.
Home-sharing continues to grow in popularity as owners use their homes for income generation, and travelers look for unique experiences. If fact, experts are predicting vacation home rentals will increase 25% this year – up from a 19% jump last year – and it’s expected this growth trend will continue for some time.
You just received your renewal for your auto policy. You skim down to find the new premium for the following year and you see it has increased by a couple hundred or more. Most auto policies take an annual rate increase otherwise known as an inflation guard. There are also other factors that could cause this increase.
Below is an article that gives insight into what determines your premium and what may increase your premium upon renewal. Keep in mind as your agents, we are here to review your policy if you ever have questions.
Daylight Savings Time is also Daylight Safety Time.
In most places in the United States, March 12 is Daylight Savings, when clocks are moved forward one hour. We here at Brown & Brown Insurance want to remind you it’s also a great time to improve your family’s safety.
Be safe in your home
Health and safety agencies often use the approach of Daylight Saving Time to remind people to change the batteries in their smoke alarms. The American Red Cross suggests you test your smoke alarms and talk with your family about your fire escape plan. Whether you live in New Mexico, or elsewhere, practice the plan too – at least twice a year.
According to the Centers for Disease Control and Prevention, more than 400 people die annually in the US from carbon monoxide poisoning. The CDC recommends changing the batteries in your CO detectors when moving your clocks forward this Sunday.
The CDC says the most common symptoms of carbon monoxide poisoning include headache, dizziness, weakness, nausea, vomiting, chest pain and confusion.