July 2026

July Is Here: Protect What Matters Most This Summer

June is over....July-ING!! 

July is one of the busiest—and most exciting—times of the year. From family vacations and road trips to backyard barbecues, pool days, and celebrating Independence Day, summer is all about making memories with the people you love.

While you're enjoying everything the season has to offer, it's also a great time to make sure your insurance coverage is keeping up with your summer lifestyle. Whether you're traveling, welcoming guests into your home, purchasing new recreational vehicles, or simply spending more time outdoors, having the right protection in place can provide valuable peace of mind.

As your local family insurance agency, we're here to help you enjoy the season with confidence.

From our family to yours, we wish you a safe, fun, and unforgettable July!

Sushi Chef or Agency Owner?

Updates from our Agency Owner

So many great memories come from the month of July.  Personally, July 4th is my heavenly mothers birthday, also the 4th of July is the day I first started dating our other agency owner, Jenifer Domingo, 33 years ago.  July 10th is our first born's birthday and Addison is now 32. 

On the professional side of life, this fall will be the 30 year anniversary of our agency.  What a wonderful career so far.  The Farmers Insurance Group continues to remain open for business with many of the other carriers still cautious about underwriting policies in our great State of California.  We were just approved for a 22% discount on both the home and auto insurance products if you bundle and combine.  We will be reaching out to our clients for the cross sell opportunity.  Please reach out to our agency if we do not have both products insured with Farmers.  Adding a whole house water shut off detection system will prevent large amounts of water damaging your home in the event of a sudden or accidental burst of water. The smart device is linked to your smart phone and will alert you of any unusual water usage, detect leaks and even shut of the water automatically if you do not over-ride the shut down.   Having this water detection device installed in your home is a one time investment, will lower your premium with a modest discount, and also will give you the option of increasing your water loss deductible to save even more annual premium on your home insurance policy.  

Conducting an annual Farmers Friendly Review is always a great idea.  Call, text or email to set your appointment with me or one of the team.  During our reviews, we usually find other needs or point out over coverages.  We strive to find the best solutions for your business and personal insurance needs.  Domingo and Associates, Your Agency for LIFE.  

Sushi Class for Fathers Day 

Baby Coming Dec 2026! 

Lexie and Efrain are having the Domingo Family Agencies first grandson.  We are thrilled to welcome him last week of December.  

☀️ Tropical Summer Glow Smoothie

Ingredients

• 1 cup frozen pineapple
• ½ cup frozen mango
• ½ frozen banana
• 1 handful fresh spinach (optional for extra nutrients)
• ½ cup plain Greek yogurt
• 1 scoop vanilla protein powder (optional)
• 1 tablespoon chia seeds
• 1 cup coconut water (or unsweetened almond milk)
• Juice of ½ lime
• Ice, if desired

Directions

1. Add all ingredients to a blender.
2. Blend until smooth and creamy.
3. Add more coconut water or almond milk to reach your desired consistency.
4. Pour into a glass and enjoy immediately.

Why You'll Love It

• 🍍 Rich in vitamin C to support your immune system
• 🥭 Naturally sweet with no added sugar
• 💪 High in protein to keep you full longer
• 🌱 Packed with fiber for digestive health
• 💧 Hydrating thanks to coconut water
• ☀️ The perfect refreshing treat for hot summer days

Optional Toppings

• Fresh strawberries
• Toasted coconut flakes
• Hemp hearts
• Sliced kiwi
• Mint leaves

☀️ 20-Minute Summer Sweat Workout

No gym? No problem! This quick, full-body workout will elevate your heart rate, build strength, and leave you feeling energized. Complete 4 rounds of the circuit below.

Format

• 45 seconds of work
• 15 seconds of rest
• Repeat for 4 rounds (20 minutes total)

Round Exercises

1. Squat to Overhead Reach
• Sit back into a squat, then stand and reach overhead.
2. Push-Ups
• Perform on your toes or knees while maintaining a strong core.
3. Reverse Lunges
• Alternate legs with each repetition.
4. Mountain Climbers
• Keep your hips low and move at a steady pace.
5. Glute Bridges
• Drive through your heels and squeeze your glutes at the top.

Cool Down (Optional: 2–5 Minutes)

• Standing quad stretch
• Hamstring stretch
• Figure-4 glute stretch
• Chest opener
• Deep breathing

Pro Tips

• 💧 Stay hydrated before, during, and after your workout.
• ☀️ If exercising outdoors, aim for the morning or evening to avoid peak heat.
• 🎵 Turn on your favorite summer playlist and have fun!
• 🔥 Challenge yourself by adding dumbbells to the squats and lunges or increasing your pace during the cardio movements.

San Diego Summer Activities: 

🌊 Beach & Water Activities

• Relax at La Jolla Cove and watch the sea lions.
• Spend the day at Coronado Beach.
• Rent a kayak or paddleboard through the La Jolla sea caves.
• Snorkel or scuba dive in the La Jolla Ecological Reserve.
• Take a sunset sailing cruise on San Diego Bay.

🥾 Outdoor Adventures

• Hike Torrey Pines State Natural Reserve for breathtaking coastal views.
• Watch the sunset from Sunset Cliffs Natural Park.
• Bike the Silver Strand between Coronado and Imperial Beach.
• Explore the trails around Lake Poway or Mission Trails Regional Park.

🎡 Family-Friendly Fun

• Visit San Diego Zoo.
• Explore Balboa Park and its museums and gardens.
• Spend the day at Belmont Park with rides and beachfront attractions.
• Visit Birch Aquarium in La Jolla.

🍓 Summer Markets & Food

• Browse the Little Italy Farmers Market on Saturdays.
• Enjoy fish tacos by the water.
• Have a beach picnic at Mission Bay.
• Grab sunset drinks and dinner overlooking the ocean.

🎶 Summer Events

• Catch a concert at Humphreys Concerts by the Bay.
• Watch the Big Bay Boom fireworks around the Fourth of July.
• Attend outdoor movies in parks throughout the county.
• Visit the Del Mar Fairgrounds during the San Diego County Fair (early summer) or horse racing season.

🌺 Relaxing Date Ideas

• Sunset picnic at Kate Sessions Park.
• Rooftop dinner in downtown San Diego.
• Gondola ride through the Coronado Cays.
• Couples spa day at a coastal resort.

California Homeowners Insurance: Key Points

What affects the cost of homeowners insurance?

• Location: Homes in higher-risk areas (wildfires, earthquakes, floods, theft, high winds) typically have higher premiums.
• Home characteristics: Your home's value, size, age, construction materials, and the condition of the roof, plumbing, electrical, and HVAC systems all impact insurance costs.
• Safety features: Security systems, smoke and carbon monoxide detectors, reinforced roofs, and other protective features may lower premiums.
• Deductible: Choosing a higher deductible can reduce your monthly premium, as long as you can afford the out-of-pocket cost if you file a claim.

Common Discounts

California homeowners may qualify for savings through:

• Multi-policy (bundling) discounts
• California Earthquake Authority/Home discount
• Water Protection Discount
• Home Buyer Discount
• Claim-Free Discount
• Fortified Home™ Discount

Is Homeowners Insurance Required?

• No. California law does not require homeowners insurance.
• However, if you have a mortgage, your lender will almost always require it.

Tips for Choosing the Right Coverage

• Create a home inventory to document your belongings and determine the right amount of personal property coverage.
• Consider risks specific to your area, such as earthquakes or floods, and purchase additional coverage if needed.
• Compare policies carefully, paying attention to coverage limits for valuables like jewelry and artwork.
• Choose a deductible that fits your budget.
• Work with a local Farmers agent to customize your coverage and identify discounts that may help you save