Archive for November, 2011

Curtis Peterson & Team Leading Full Service Insurance Brokerage in Roseville CaliforniaMonday, November 21st, 2011

PETERSON AND GRANTHAM INSURANCE BROKERS Strategic Insurance Policy Building to Protect You and Your Loved Ones

Peterson and Grantham Insurance Brokers is one of the leading full service insurance brokerages in Northern California.  Peterson and Grantham have relationships with over 40 carriers and house a staff of 8 agents.  Peterson and Grantham Insurance provide a comprehensive line of personal and commercial insurance policies.  The priority is to meet the specific insurance needs of every client.  Every policy is built based on those needs. Their goal is to offer policy’s that protect more than just your assets. Your policy will protect you and your loved ones.

“I have met a lot of insurance professionals in my time and none of them can compare to the level of quality customer service and professionalism that PNG Insurance offers. Do to that fact, they will continue to have my business for life.” Robert Black, CEO and Co-founder, Nu Digital Media.

A highly educated individual, Mr. Peterson earned his Bachelor’s Degree in Business Finance from the prestigious California Polytechnic University in San Luis Obispo, CA.  He spent 6 years in the mortgage industry before deciding to transition into the insurance industry.  While building his career as a mortgage broker, Mr. Peterson recognized a need for homeowners to be protected from the tumultuous real estate and lending markets.  As a family man, Mr. Peterson realized the importance of shielding your family and your home from the unexpected consequences of mother-nature as well and human nature.

Curtis Peterson and Arrow Grantham formed their partnership and in 2008 Peterson and Grantham Insurance was established.  Since their inception, P&G Insurance has grown to offer over 24 different types of insurance policies. Seeing a need in every aspect of a person’s life, they rigorously sought out the top insurance agencies across the state. It was imperative, to both Mr. Peterson and Mr. Grantham, that P&G Insurance would offer only the best of the best.  Whether a client requires coverage on their watercraft, or protection for their business from unexpected theft, P&G has a policy they can rely on.

Peterson and Grantham Insurance Brokers understand the ever changing and complex lifestyles of their clients. The need to protect you is greater now than ever before.  In addition to the extensive list of products listed on their website, they also offer a useful blog to keep you informed of ways to prevent accidents in your home and office, as well as protect yourself against unforeseen situations.  You can find out more about their full service menu and their blog by visiting their website at http://www.png-insurance.com/.

For additional information contact Peterson & Grantham Insurance Brokerage at (800) 652-0557.

Homeowner: Your Washer & Dryer Could Lead to Home Insurance ClaimsTuesday, November 1st, 2011

Washers and dryers may seem pretty innocuous. You’d never leave your oven on or leave the house with a fire roaring in the fireplace. But you might throw a load in the washer or dryer just before heading out the door to run errands.

As it turns out, washers and dryers also pose risks to your home. Many homeowners have filed a claim related to a washer or dryer — these appliances caused $194 million in property damage in 2006,
according to the National Fire Protection Association (NFPA). If you end up filing a home insurance claim, you’ll likely pay a deductible and see your premium rise.

The risks

About one-third of dryer-related fires between 2003 and 2006 stemmed from clothing catching fire, according to NFPA. Culprits like dust and lint weren’t far behind — they caused 27 percent of dryer fires. Faulty wiring in washers and dryers as well as faulty casing for the machines also sparked their fair share of fires.

More than 90 percent of fires start with dryers — but washers aren’t innocent. A frayed, cracked or kinked water supply hose can spring a leak that weakens floorboards and damages possessions, according to State Farm.

Washing machine issues are a leading cause of water damage claims, according to the Insurance Institute for Home & Business Safety. After the deductible, these claims cost home insurance companies an average of more than $5,000.

Preventing damage from your washer

Damage prevention for your washer is all about the hose, according to State Farm:

  • Check your washer hoses regularly for bulging, cracking, fraying and leaks around hose ends.
  • If you find a problem, replace the hose immediately. A good rule of thumb is to replace it every three to five years as a precaution.
  • Leave at least 4 inches between the water connection and the back of the washing machine. This helps prevent kinks.

Preventing damage from your dryer

Preventing dryer-related fires — and home insurance claims — requires proper maintenance and regular diligence. According to NFPA, you should:

  • Let a professional install your dryer.
  • Always use a lint filter.
  • Clean the lint filter after every load of laundry.
  • Clean the air exhaust vent pipe at least once a year. If your clothes are taking longer than usual to dry, it may be time to have the lint cleaned out of your vent pipe.
  • For gas dryers, have a professional regularly check the gas line and connection.
  • Make sure you have a proper connection in the outlet.
  • Never overload the dryer.
  • Always follow the manufacturer’s operating instructions.
  • When you leave the house or go to bed, make sure the
    dryer is turned off.

For more information about insurance, homeowner tips or general questions please contact us at Peterson & Grantham at 916-431-0400 or 800-652-0557

Homeowner Insurance Tip When Remodelling Your HomeTuesday, November 1st, 2011

When you are remodelling, you should let your insurance company know. You should increase the value of the coverage to reflect the amount of money the remodeling project is going to cost. If you are building an addition to the house, it will be too late to wait until it is finished to change the insurance policy, because if the home happens to be destroyed before the work is done, the insurance company will not cover the cost of the addition.

You also have to make sure that the contractor you choose has insurance in the event of an accident happening as a result of equipment failure or some other reason that is the contractor’s fault. If the insurance the contractor has is not sufficient you may have to fill the gap with increased protection of your own. (content from bluepage.org)