What is the difference between “Actual Cash Value” and “Replacement Cost?”

What is the difference between “Actual Cash Value” and “Replacement Cost?” Introduction It is important to know how “Actual Cash Value” versus “Replacement Cost” can affect the coverage of your personal items. Consider if you had a 70 inch Smart TV, and someone stole it. Would your insurance company give you a settlement to replace your TV with a new one or would the insurance company give you what your TV is worth at the time? In 2018 a national study conducted by Mercury Insurance … [Read more...]

So You’re Running Your First 5K, Here’s What You Need to Know

Running a 5K can be a fun and exhilarating experience, but you want to make sure that you’re prepared before you hit the course. Because a kilometer is only a little over half a mile, a 5K is about 3.1 miles. So for a starting race, you don’t need to train for five miles right out of the gate. Here are a few tips and tricks to help you make sure your first 5K experience is the best it can be.     Check the course and weather conditions before the day of the race. Going over … [Read more...]

Useful Tips for Staying Safe This Halloween

Are you prepared for October 31st? Halloween can be a fun and lively occasion, but it can also bring elements of danger to trick-or-treaters, drivers, and homeowners. Accidents, injuries, and vandalism can bring unexpected horror on an otherwise fun-filled night. Here are some tips and strategies to help you stay safe and ensure that your neighborhood remains safe and fun during the holiday:   For Trick-or-Treaters: 1. Consider the Costume: If you or your child’s costume limits … [Read more...]

Purchasing Insurance: Direct v. Agent

When you purchase insurance, should you go through an agent or go the direct route? When buying insurance for yourself or for your family, you have two options: you can go directly through the insurance provider or you can buy it through an insurance agent. Each option has its pros and its cons and to make an educated decision you have to know all the facts. We’re here to be as objective as possible and give you the real scoop on whether you should purchase insurance directly through an … [Read more...]

3 Great Debt-Reducing Tips for 2016

Follow these simple steps to end 2016 on the right financial footing. Many people tend to take on some extra debt during the holiday seasons. Sometimes, we can’t just help ourselves while it be buying gifts for loved ones, or maybe even get a little selfish and decide to treat yourself. After all, you worked hard all year! Unfortunately, our society has a bad credit mentality and this extra spending (somehow) comes to a surprise to many people when their credit card bill comes in the mail. By … [Read more...]

Your Dog, Your Liability, & Your Homeowners Insurance

What homeowners need to know about their dogs and their Menifee, CA insurance. You love your furry family member, but—if you’ve thought about it—you probably don’t love the risk he or she brings your family. Even the most docile dogs can act out when they feel threatened, and a dog bite could take a big bite out of your savings account. Fortunately, your homeowners insurance contains liability coverage, and if your dog is eligible, that coverage can step in to cover the medical bills and even … [Read more...]

Whip Up These Valentines Day Cookie Sandwiches

Your Friends, Family, And Colleagues Are Sure To Love These Sweet Treats Are you in the mood to spread a little extra love this Valentine’s Day? These delicious cookies will melt in your mouth and are so cute they are sure to wow each person with whom you share them. To make them, you will need: 1 tablespoon of flour 1 pouch (1 lb. 1.5 oz.) of sugar cookie mix 1 egg 1/3 cup of softened butter Granulated sugar Red food coloring 1 cup of whipped white frosting Begin by heating your oven … [Read more...]

All Rights Reserved. Copyright 2019 Carver Insurance Services, Inc.

Customized and Mangaged by Stratosphere Marketing Solutions