April 2025

Let's Spring Into Action

Time to call our agency to review your insurance portfolio.  Take action to protect your assets.  Do not react, instead be proactive to understand your coverages and options to save.  Call our agency for your complimentary Farmers Friendly Review.  (866)486-FARM 

What's with Homeowners Insurance? 

Is Homeowners Insurance Required in California? Here’s What You Should Know

While homeowners insurance is not legally required in California, most mortgage lenders will require you to carry it before they’ll approve your home loan. And for good reason—homeowners insurance helps protect what is often your biggest investment. Standard California home insurance policies generally cover your dwelling, other structures (like fences or sheds), personal belongings, liability for accidental damage or injuries, and additional living expenses if your home becomes uninhabitable after a covered event like a fire or windstorm. However, common California risks like earthquakes and floods aren’t included in standard policies—those require special coverage through agencies like the California Earthquake Authority or NFIP. With customizable options such as Extended Replacement Cost, Water Backup coverage, and even E-Bike protection, companies like Farmers offer flexibility to tailor your policy to your needs. The average annual premium in California is around $1,241, but your rate may vary based on factors like home value, location, and deductible. To make coverage more affordable, eligible homeowners can take advantage of discounts for bundling policies, being claim-free, wildfire mitigation, and more.

Call us at (866)486-3276 for a quote today! 

The Viral Recipe 

One of the most simple, filling, and protein packed recipes that takes less than 30 minutes to make! You may have seen this all over the internet, and if you haven't tried it yet, it is a MUST. Only 4 simple, clean ingredients are required. 

Ingredients: 

- 90% lean ground beef, seasoned taco flavoring mix 

- cottage cheese 

- ripe avocado 

- baked sweet potatoes 

Combine all ingredients into one bowl. Top with your favorite hot sauce and honey for the perfect sweet, spicy, & savory combo! 

Spring-Cleaning 

Why is spring-cleaning worth it? 

1. Boosts Mental Clarity:

Clutter can quietly weigh on your mind. Tidying your space helps reduce stress and anxiety, promoting a clearer mindset and more focus in your daily life.

2. Improves Air Quality:

Dust, pet dander, and allergens build up over winter. A deep clean can improve the air you breathe and help prevent seasonal allergies from flaring up.

3. Encourages Productivity:

A tidy space can spark motivation. When everything has its place, you spend less time searching for items and more time doing what you love.

4. Promotes Health & Hygiene:

Disinfecting high-touch surfaces and cleaning overlooked areas like air vents and baseboards can help minimize germs and reduce the risk of illness.

How to get started without feeling overwhelmed? 

1. Make a Plan:
List out the rooms or zones you want to tackle. Breaking it into manageable chunks helps you stay focused and less overwhelmed.

2. Set a Timer:
Commit to just 20–30 minutes per session. You’ll be surprised how much you can accomplish with short, focused bursts.

3. Gather Your Supplies First:
Having all your cleaning supplies in one caddy—microfiber cloths, all-purpose cleaner, gloves, garbage bags—saves time and keeps you moving efficiently.

4. Go One Room at a Time:
Start with the area you spend the most time in or one that’s bothering you the most. Small wins build momentum.

Tips and Tricks to Spring- Cleaning: 

• Declutter First: Before wiping down surfaces, remove items that don’t belong. Use the “keep, donate, toss” method for quick decisions.

• Work Top to Bottom: Dust ceiling fans and shelves before vacuuming the floor so you don’t have to clean twice.

• Use Natural Cleaners: Try vinegar and baking soda for a non-toxic, budget-friendly way to tackle grime and odors.

• Freshen Soft Surfaces: Wash curtains, vacuum under furniture, and sprinkle baking soda on carpets before vacuuming for a deodorizing boost.

• Digitally Declutter: Don’t forget your digital space! Clear out old files, unsubscribe from emails, and organize your desktop.

• Reward Yourself: Celebrate progress with something small—a coffee break, a walk, or a new candle for your freshly cleaned space.

Spring Spritz 

We are still on the no alcohol kick for me! I love finding new fun mocktails that are refreshing and make social occasions a lot less awkward when everyone always asks the dreaded question, "why aren't you drinking?". Enjoy these spring mocktails and let us know what you think! 

Citrus & Mint Sparkler

Bright, bubbly, and impossibly refreshing.

Ingredients:

• Juice of 1 orange

• Juice of 1/2 lemon

• Sparkling water or club soda

• Fresh mint leaves

• Ice

Instructions:
Muddle mint in the bottom of a glass. Add orange and lemon juice, top with ice and sparkling water. Garnish with an orange wheel and mint sprig.

Cucumber Lime Cooler

    

Crisp, cooling, and spa-day worthy.

Ingredients:

• 3 slices of cucumber

• Juice of 1/2 lime

• 1 tsp honey or agave

• Sparkling water

• Ice

Instructions:
Muddle cucumber with lime juice and honey. Shake with ice, pour into glass, and top with sparkling water. Garnish with a cucumber ribbon.

Pineapple Ginger Fizz

Tropical with a zesty kick.

Ingredients:

• 1/2 cup pineapple juice

• 1/4 tsp grated fresh ginger

• Sparkling water or ginger beer

• Lime wedge

• Ice

Instructions:
Mix pineapple juice and ginger. Pour over ice, top with sparkling water or ginger beer, and squeeze in a lime wedge.

Tips for Serving Spring Mocktails:

• Use fresh herbs and edible flowers for stunning garnishes.

• Serve in pretty glassware to elevate the experience.

• Prep ingredients in advance for easy assembly at parties.

March 2025

Spring it Forward 

Spring is here! The weather has been so nice, and we are officially a year away from the wedding bells in our family. This spring, we celebrate Auntie Des's 60th birthday, gearing up for baseball season and Easter, and continue with the wedding planning. We hope you are enjoying your extra hour of daylight. Since finishing nursing school and applying for jobs, I have worked part-time at the family agency. The phones do not stop ringing, but there are a few things I have noticed are important, but many new homeowners or young adults like me wouldn't think about: the importance of life insurance, asking for any possible discounts, and making sure to keep reminders in your calendar for upcoming payments! 

Enjoy the read, kindly,

Amanda Kiki Domingo

What Life Insurance is Best for Myself & My Family? 

Life insurance comes in two main categories: Term Life and Permanent Life (including Whole Life and Universal Life). Each serves different financial needs and life stages.

Term Life Insurance

• Covers a specific period (e.g., 10, 20, or 30 years).

• More affordable, especially for young professionals and business owners with temporary financial needs.

• No cash value—only pays a death benefit if the insured dies within the term.

• Premiums increase after the initial term and can become costly over time.

• Best for covering temporary financial obligations like mortgages, student loans, or business loans.

Permanent Life Insurance

• Provides lifelong coverage as long as premiums are paid.

• Builds cash value, which can be accessed for financial needs.

• Can be structured for estate planning, business succession, or wealth transfer.

• Types include:

  • Whole Life: Fixed premiums, guaranteed death benefit, and steady cash value growth.

  • Universal Life: More flexible with premium payments and death benefit options.

    • Traditional Universal Life: Growth tied to the insurance company’s investments.

    • Indexed Universal Life: Cash value linked to stock market index performance.

Who Should Consider Each Type?

• Young Professionals: Term life is more affordable, but permanent life offers cash value benefits.

• Business Owners: Term life can cover short-term risks; permanent life supports long-term planning.

• Pre-Retirees: Permanent life policies can provide living benefits, such as early access to funds.

• Retirees: Can use permanent life insurance for estate planning or as a financial legacy for heirs.

Choosing the right policy depends on financial goals, budget, and long-term needs. Click the link below to get a free quote today and to talk to an agent about all your questions! 

Get a QUOTE today!

Agency Reviews 

Many of our referrals for new business, have been from people like you, our clients, family, and friends. We are so grateful for your kind reviews. We are blessed to have an agency that treats customers like family providing an open door policy and we pride our agency on transparency. If you are a client of ours and would love to share your positive experience, please follow the link(s) below and provide our agency with a Google Review, Facebook Like, or Yelp Review. We appreciate your friendship and business. 

Facebook Reviews

Yelp Review

Farmers Agent 5 Star Review

Farmers Offers & Discounts 

We understand that insurance can be expensive. Our agency is here to help get you the most amount of savings as possible. Often, clients call our agency looking for quotes and have no idea that some of these discounts even exist. Some of our discounts include: 

- Bundling & Save 

- Car Insurance Discounts 

- Home Insurance Discounts 

- Renters Insurance Discounts 

- Condo Insurance Discounts 

- Motorcycle Insurance Discounts 

Feel free to click the link below for more information regarding discounts that are offered. If you have further questions, feel free to reach out to our agency at (866) 486-3276. 

Farmers Spring Saving

Workout of the Month 

Suns out, guns out! 

Now that it is spring time and the weather is nicer, it is the perfect time to get outside! 

This month's workout is intervals - outside or on the tread whatever feels best for you. This is what I love to add the end of a workout or after an incline walk. All you need is 10 minutes and some grit. 

Sprint Intervals: Set your timer for 10 minutes. 

30 seconds ON, 30 seconds OFF/Walk. 

Repeat intervals 10x through. Only 10 minutes long, means no excuse not to get it in! 

Recipe of the Month - 4 Ingredient PROTEIN Bagels 

Packed with 16 grams of protein and only 200 calories, these are the easiest bagels to make in the comfort of your own home. 4 ingredients and bake for 30 minutes and will leave your kitchen smelling like Einstein Bagels. 

Ingredients for Bagels: 

- 4 c flour 

- 3 c greek yogurt 

- 2 tsp baking soda 

- 1 tsp salt 

Ingredients for Egg Wash: 

- 1 egg 

- 1 tsp cold water 

Directions: 

- Add all dry ingredients to bowl. 

- Fold in greek yogurt. 

- Knead until dough like consistency. 

- Divide into 8 equal parts and create bagel shape. 

- Add onto pan lined with parchment paper. 

- Bake for 30-35 minutes at 350 F. 

Toppings: Sprinkle on top after coating bagels with egg wash! 

Cinnamon & Sugar Bagel 

Everything Bagel 

February 2025

 Celebrating 31 Years & Life Updates! 

Happy anniversary to our parents and agency owners, Jen & Glenn. They have been married for 31 years this February. They enjoyed a staycation at the new Alila Marea Hotel in Encinitas.  A very swanky and adult only venue, they enjoyed the outdoor restaurant and bar while relaxing with some well deserved alone time. Wishing them another 31 + years of laughter, love, and hopefully some grandkids in their future. 

Alila Hotels 

Graduated Nursing School & Passed the NCLEX 

Another Degree for KIKI

Well, she did it, Amanda Natalie Ann Domingo graduated from Nursing School.  She has passed that State Board Exams and has applications in to several hospitals.  She is a goal setting and driven young adult.  She has her Masters in Exercise Science as well.  Lets all congratulate Amanda Kiki Domingo for a job well done.  Maybe she holds the key to the future of Domingo and Associates, only our Lord know now.  

Workout of the Month 

One of my favorite ways to get a workout in while in a pinch for time. This workout only takes 20 minutes to complete. 4 minutes each round. 5 total rounds on the clock. You have 4 minutes to complete 3 exercises. Whatever time is remaining after the 3 exercises in the 4 minutes is your rest before the next round. 

Every 4 Minutes on the Minute (E4MOM) 

- 12 burpees 

- 12 clean to press 

- 12 reverse grip DB rows 

Make your weight selection heavy enough that you need to break up your reps. You should be able to complete about 6-8 reps then need to drop the dumbbells before completing the rest of the set. 

Let us know how it goes! Repeat the workout 2-3 weeks later and see if you can increase your weight selection for a bonus challenge. 

Recipe of the Month 

Since school has finally finished and I passed my NCLEX, I have been back in the kitchen trying out some new healthy recipes. This month's recipe is protein pancakes. This recipe is so easy to make and so quick to make. It packs over 50 g of protein for under 400 calories per serving. Perfect to keep you full and fueled throughout your day! 

Ingredients: 

- 1/2 c cottage cheese 

- 1/3 c GF oats (can use regular oats) 

- 1 scoop vanilla protein 

- 1/2 c egg whites 

Instructions: 

- Place all ingredients together in a blender 

- Blend until thick, batter consistency 

- Spray and heat pan on medium heat 

- Pour batter and flip! 

* Add toppings of your choice. My favorites are bananas, blueberries, and SF maple syrup! 

Check It Out - New in Oceanside, CA

Frontwave Arena

So awesome we have a new arena venue right down the street! If you have not had the chance to check out Frontwave Arena - we highly recommend it. It is the perfect size where no matter what seat you get, you have a great view. They have multiple bars and local restaurants to grab food from. Frontwave Arena is home to the indoor professional San Diego Sockers & the SD Clippers! They offer group deals as well if you are looking to get together for a social event. There is a link above to check out their upcoming events and sports games. 

 

January 2025

 

Happy New Year 2025 

Happy New Year! We hope you are having a great start to 2025. It has been a busy start in the Domingo household! We are beginning our wedding planning process, celebrating the marriage of my parents for 31 years, and enjoying the Farmers Open with some of their clients and friends. We hope the start to the new year has brought you peace and joy, and we look forward to seeing what 2025 has in store for everyone. Thank you for continuing to support and trust our family-owned business, we would not be here without your support and encouragement. 

With the devastating wildfires in Southern California, the Domingo Family Agency and the Farmers Insurance Group remain extremely busy restoring clients, family and friends lives back to order.  The Insurance Company our family represents is domiciled in Woodland Hills, CA and we will not pull out of this market.  Many underwriting changes and increased rates assisted in positioning the companies and agencies ability to pay out the much needed funding to restore our clients back to where they belong, no more and no less.  We continue to pray for our fellow Southern Californian's as we navigate the rebuilding process of Pacific Palisades and surrounding effected cities.  Thank you Farmers for keeping your promise to indemnify the clients who are effected by this tragic event.  

Recipe of the Month 

Have you pulled out your crockpot this winter? We have recently got into crockpot recipes simply for the convenience of having something cook on its own while you work the whole day. One of our current favorites is an easy, pulled chicken verde. We love to pair it with rice and veggies and make an easy bowl. Leftovers are the perfect meal prep for the rest of the week. Prep and clean up is super easy and you cannot beat the price, especially when on a wedding budget!   Salsa Verde Chicken

The Number One Fat Loss Tool to Include in 2025

WALKING. Get more steps in 2025. One of the most underrated ways to improve your cardiovascular health and help you lose fat is to walk more. It does not cost a thing and can be done anywhere so there is never an excuse. Most of the time people are so concerned with the 30 - 45 minute workout they are doing, but I always ask, what else are you doing throughout the day? Many people are seated most of the day, whether it is at a desk for their job, in the car on their commute, or binge-watching their favorite TV show after a long day at work. Aiming to get at least 8-10k steps a day can improve your cardiovascular health, increase your mood, help you burn fat, and strengthen muscles and balance. I challenge you to take more steps in 2025! I have linked a walking pad that is a great way to get your steps in while working or while still enjoying your weekend binge-watch on Netflix. 

Amazon Walking Pad

Happy Anniversary 

February 5th marks 31 years of marriage for the agency owners, my parents, Jenifer and Glenn Domingo. Happy Anniversary to you both. I have seen how hard running a business can be, especially with someone you are spending all of your time with. We admire how much you both put your faith and God first and know there is not one day that you do not work on your marriage and relationship with each other. Cheers to at least 31 more years! 

The Farmers Open 

Each year we have the opportunity to attend the Farmers Insurance Open in Southern California. The tradition continues and might be one of the last opportunities to enjoy a professional golf tournament sponsored by the Farmers Insurance Group.  We typically rent a 15 passenger van, dad invited 12 this year.  Clients, referral partners and influencers attended.  They get dropped off right in front of the Lodge, have a tasty morning beverage and then walk to enter the tournament.  This year they walked the course and then gathered at the VIP 18th green tent Farmers Hosted with an all inclusive lunch and cocktail station.  An easy walk pass the Hilton and the conclusion of the event with the Van waiting across the street.  The dirty dozen plus one usually end up in downtown Carlsbad for and early dinner.  It is a tradition annually and it blends together my dad's favorite things: friends, golf, and insurance. Here is a sneak peak into this years outing! FORE! 

Go Farmers! 

At the Course 

The Morning Ritual 

The Chauffeur - Don't Drink & Drive!  

The Farmers Open Crew 

December 2024

Happy New Year and An Attitude of Gratitude

As 2024 comes to a close, we want to say thank you for all your love and support of our family business. This year has been full of ups and downs, and we are grateful for clients, friends, and family. We continue to build our business on trust, customer service, transparency, and an open-door policy. We are excited to see what blessings 2025 has in store for each of you! 

Happy Holidays, 

From the Domingo Family

Workout of the Month 

Have you ever sang the 12 days of Christmas? This workout is based on that song! You will complete the first exercise at 1 rep, then exercise 1 at 1 rep, and exercise 2 at 2 reps. Continue this pattern until you have finished all 12 rounds. 

1 devils press

2 man makers

3 burpees

4 goblet squats 

5 thrusters

6 v ups 

7 reverse lunges

8 sit-ups 

9 squat jumps 

10 bicep curls

11 tricep extension 

12 hip thrust 

See how quickly you can get through the entire song! 

Restaurant Review: Sound by the Sea 

Located on the 101 in Oceanside, CA, Sound by the Sea is a fun indoor/outdoor bar with various live DJs every night of the week. The theme reminds me of Palm Springs in the 60s. They have tapas and drinks. They are not considered a full bar, so most cocktails are made with Soju. They have non-alcoholic options available as well. Stop by and bring your own bottle of wine for a 15$ corkage fee or enjoy one of their signature cocktails! This is a fun date night place or a place to go out with friends. Not a kid friendly bar! 

New Year's and Resolutions 

Ever make New Year's resolutions and feel like you have failed by day 3? You are not alone! There was a study done at UC Davis to help people stick to their New Year's goals. Here are the top 7 tips they came up with to keep you on track all year long. 

1. Be picky about your resolutions

We may want to lose weight, eat more vegetables, volunteer more, quit smoking and spend more time with family. But experts say that’s too many goals to set for a New Year’s resolution. Pick one, maybe two things you’d like to focus on and go all in. This sets you up to achieve specific goals instead of feeling like a failure for hitting none of them.

2. Plan your resolution

It’s best to plan for your goal. Think through how you want to accomplish your resolution and how long it might take to reach your goal. For example, if your resolution is to quit smoking, research how long it takes an average person to kick the habit and the possible setbacks to expect. Proper planning will help ensure you can see it through to the end.

3. Set very specific goals

Many of us will set a New Year’s resolution like “exercise more.” But what does that really mean? Instead, you should be detailed in your resolution. It could be “exercise 30 minutes daily.” This gives you a measurable goal to reach each day that you can check off your list. It will help you feel more accomplished.

4. Don’t take on too much

Start small. Avoid setting an overly high expectation of yourself. If you’d like to lose weight, pick a small but realistic weight loss goal. Maybe that’s 10 pounds in two months. Once you reach that goal, you can think about losing another 5-8 pounds. Setting small goals can help you achieve big results.

5. Choose a new resolution

Avoid picking a goal that you’ve tried in the past but failed. You may set yourself up to fall into the same pitfalls that stopped you previously. Instead, pick something different where you can set up a better path to success. Or maybe you can modify a previous goal if that’s something you still want to accomplish.

6. Identify accountability partners for support

Lean on people – whether it’s a friend to keep your exercise resolution on track, or a spouse to help with healthier eating habits. We function better with community around us, motivating and reminding us why we chose that New Year’s resolution in the first place.

7. Give your resolution time to become a habit

New routines don’t just become habit overnight. A 2009 study found that on average, it takes 66 days to form a new habit. Be patient with yourself. If you have minor setbacks or don’t hit your goal one week, pick it back up the next week. Keep working at your goal; eventually, it can become second nature.

Visit here for more detailed tips and tricks to make your 2025 goals last a lifetime! 

Our Holiday Season...