DeFranco Times

Inside this issue

Earthquake Insurance ................. 2

Discounts .................................... 2

Calendar of Events ...................... 2

Home insurance Coverage .......... 3

Winter Driving ............................. 3

True or False ............................... 3

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Our third annual Customer Appreciation Day in June was a great

success. We had over 125 clients, friends, and neighbors attending. The

shredding company estimated that we had over two tons of papers

shredded. JunkBGone filled two trucks with unwanted household items.

The lucky winners of the Charter Club Mariner Tickets were our long

time customers and friends—Kay Godefroy and Jane Nishita along with

Mark and Carol Slosberg.

Thank You to all who joined us!

Mark Your Calendar For Our 2018 Event On

Saturday June 9th From 11am to 2pm

November 2018 Volume 1, Issue 8

Toys for Tots

We are collecting toys from

November 1st to

December 8th at 4pm

Last year over 175 toys were

collected

We appreciate your help!

Customer Appreciation Day 2017

Calendar of Seattle Events

Thanksgiving run/walk

November 23rd

Bellevue-Beat the Bird

Issaquah– Turkey Trot

Seattle/Ballard- Turkey Trot

Free State Parks

November 24th-Statewide

Tree and Star Lighting

November 24th- Westlake Mall

Christmas Ships Parade

November 24th-December 23rd

-Lake Washington and Puget

Sound

Please remember to check the

dates and times for these events

2

Earthquake Insurance is Available—Call Us

Natural disasters of all kinds have been in the news lately; from hurricanes to floods, water surges and earthquakes. Here in Washington, an earthquake is probably our greatest risk. Earthquake and flood coverages are two exclusions that are a part of a standard homeowner policy in this state. If you do not have earthquake insurance currently, and are interested in pursuing it feel free to give us a call. We have many markets, and depending on the age of your home, and whether it is retrofitted for earthquakes or not, it might be more affordable than you think. Depending on the government to bail out you and your family if there is a major seismic event is not a reliable strategy for managing your risk. An earthquake can happen tomorrow, next year, or in ten years. We just don’t know. Unless your home policy is specifically endorsed to cover earth movement/earthquakes, it will not be covered.

Give Us A Call To Discuss

Discounts Available: Some carriers give discounts

for the following: AAA membership, Right Track/

Snap Shot, Good Student (for grade point

averages 3.0+ or above), Multi-Policy, Multi-

Vehicle, Pay in full, Distant Student (child is

attending school 90+ miles away without a car).

Don’t Text and Drive

Turn your cell phone or PDA off and put it in your pocket.

It is illegal to have your device in your hands.

This includes times that you are waiting in traffic or at a red light.

Wait to use the device once you have pulled into a safe spot

at the side of the road and are legally parked.

Do not let what you cannot do interfere with what

you can do — John Wooden

What Is Covered? The Building: pays to repair or rebuild a home if damaged by fire, hail, lightning or other perils listed in your policy. Personal belongings: includes furniture, clothing, tools and contents of your home. Please be aware there are limitations to the amount of Jewelry covered by theft of $500, Securities $3000, Money $250 etc. If you would like to increase these coverage amounts and expand risk exposures for Jewelry items, Fine Arts or Collectibles please give us a call. Liability: provides coverage in the event an accident occurs in or out of your home that results in bodily injury or property damage for which you are legally responsible. If you have Personal Liability coverage, you may be able to avoid paying out of pocket for incidents like these. Under your basic Homeowners insurance or Renters insurance policy, Personal Liability may protect you under the following circumstances, up to your policy limits.

Lawsuits you may face if an accident occurs

Bodily injury to an individual

Property damage that occurs as a result of your negligence. Additional Living Expenses: pays for the costs of living away from your home if your home is damaged by a covered peril and is uninhabitable. Consult the limit of coverage on your policy. What Is Not Covered? Floods: if you live in a designated flood plain your mortgage company will require you to buy a Flood policy. National Flood Insurance Program is a government program that is the main option to buy coverage. You can buy a flood policy even if you are not in a flood plain. Earthquakes: Coverage is available either through stand alone policies or in certain conditions, endorsing your current home policy. Landslides: Same as Earthquake policies. Poor Maintenance: Insurance is an agreement between you and the insurance company—that you will keep up good maintenance and fix repairs immediately before further damage can occur. If your neglect to maintain or repair causes damage to your home, the insurance company could deny the claim. Remember, this is not meant to be a home maintenance policy.

3

Homeowners Insurance Coverage What is and isn’t included in a standard home policy?

Winter Driving is here! Be sure to carry a survival kit in your car that contains:

Fully charged cell phone, blankets/sleeping bags, flashlight with extra

batteries, knife, high calorie non-perishable food, shovel, jumper cables,

water container, a can and waterproof matches to melt snow for drinking

water, tool kit, road maps, extra winter clothes and boots.

Remember to keep your gas tank full in case you get stranded, and it

helps to keep the fuel line from freezing.

An insurance carrier can’t drop me

no matter how many claims I have.

False: A carrier can non-renew you if

you have a history of claims.

Mechanical repairs are covered.

False: If your water heater ruptures,

your insurance covers the

water-damage, but will not replace

the water heater.

I rent, so I don’t need a policy, my

landlord’s policy covers me.

False: Your landlord’s policy covers

damages to the building, but you

need to protect your personal

property (contents) by having your

own policy. Plus, a renters policy

gives you liability coverage in case

someone has an accident in or out of

your home, causing bodily injury or

property damage.

My motorcycle is covered if I have it

in the garage.

False: Your vehicle needs to carry its

own coverage. This is the same for

car, boat, or motorcycle that is

parked in your garage.

Our Policy is Service.

PRSRT STD US POSTAGE

PAID PERMIT NO. 5544

SEATTLE WA

DeFranco Insurance

5215 Wilson Ave S

Seattle, WA 98118

Phone: 206-723-1680

Fax: 206-723-3416

E-mail: info@defrancoinsurance.com

Our Policy is Service

DeFranco Insurance

Our Policy is Service

Did you know that we have over 35

different Insurance carriers to meet

your needs?

Calendars, Day timers (including pocket day timers)

Our ever popular 2018 Calendars are available.

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