Employee Spotlight Loan

This month’s employee spotlight is on our wonderful Loan Nguyen.  Loan is in our accounting department and has been with Brown & Brown since 2011.  Her hectic job is what keeps our office running smoothly.

Loan is originally from New Jersey, but has lived in New Mexico since 2007.  She loves to run, doing as many half marathons as she can.  She also is into photography and absolutely loves eating Pho.  Loan also spends a lot of her time crafting with her daughter Emily and taking care of their dog, Susie.

Loan says she loves working with her coworkers, and we love working with her!  We couldn’t imagine Brown & Brown without her!

employee spotlight Lora

 

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

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?

Your Insurance and Renting Out Your Home

Your Insurance and Renting Out Your Home

 

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.

 

Educating homeowners about home-sharing insurance coverage

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.

 

Distracted Driving

Why Your Auto Premium Increased

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.

 

What’s Driving My Personal Auto Insurance Rates?

If you drive a vehicle, you are required by law to have insurance. But why do we need it? Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued…

 

 

 

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