New Expansion of Our Office

Exciting Expansion

Our agency growth this past year has left work space at a premium.  We are very excited about our expansion for future growth. We are happy to say we are expanding our Oceanside office to the second level as well. With a new secretary and my children working for us, we hope to optimize all the space we can to accommodate the best possible customer service.

This will end up being the Sales and Marketing Department. Downstairs will be the reception, customer service, and conference room. 

                       This is the outside of our office. Located off the 78 next to Dick's Sporting Goods.  We have the bottom and top level. 

Agency Owner, Glenn Domingo making progress!

Please do not hesitate to stop by our local office in Oceanside, CA or call with any questions, concerns, or quotes at 866-486-3276. We look forward to hearing from you soon. 

VIRUS...Beware!

Cryptowall

Our digital world is getting more and more crazy, like the real world.  Our office computers caught a virus called Cryptowall. The most common way it spreads is through email. Prevent any of these happening by questioning who sent the email to you.  Are you expecting an email from that person and immediately delete or ask someone for help if anything looks suspicious or just delete the file. Here are a few helpful hints to prevent you from getting hacked.

What is Cryptowall?

Cryptowall is a virus that encrypts every file in your database and holds it ransom. It will direct you to pay a ransom starting at $500 and doubles every week after that. If not paid within a month the files will never be recovered. 

Common Ways of Getting In Your Computer

The most common way Cryptowall gets into your computer is through an email link. Some email subjects are said to be from USPS or a new Voice Message from Unknown. Once you clicked on the link, you will be redirected to a website where the virus is immediately downloaded. The best way to avoid this virus is to not open any suspicious emails, make sure everyone is cautious and mindful when they open any email. 

How to Protect Your Computer

There is no solution that is 100% effective against a virus. However, backing up, keeping your passwords protected, and keeping your antivirus updated can drastically reduce the chance and the severity of a virus.

Be sure to double check your emails before catching this virus! Never hesitate to call or email with any questions or concers at 866.486.3276. 

Keep Your Belongings Safe!

With the high school year coming to an end and many going off to college, it is a good idea to look into insurance for your personal belongings.

My daughter recently had her apartment broken into. All her school work was lost when they stole her laptop from her apartment. Renters Insurance is always a good idea, even for college campus apartments. 

Why Do You Want Renter's Insurance?

Many people think their landlord covers them for any tenants' lost of personal property. However, they may cover the building, but they are not responsible for anything belonging to the renter. 

What Is Renter's Insurance? 

A Farmers renters policy provides coverage to help replace your lost, stolen, or damaged belongings. We will pay for additional living costs if you cannot stay in your home. We also reimburse you for any covered losses. We cover personal property, liability, and additional living expenses. 

Did you know if you had a Farmers Insurance Renters Policy and your dog bit someone, there is an automatic $100,000 of liability coverage to assist with a potential lawsuit? 

You may want to purchase Renters Insurance before it is too late. For more information do not hesitate to stop by our office in Oceanside, Laguna Hills, or Santa Fe Springs or feel free to call me at 866-486-3276 with any questions you have.   

Reduce Life Insurance Costs

1. Take Away Tobacco

Everyone knows by now, smoking is an unhealthy habit. But did you know, quitting smoking can actually decrease your personal life insurance? Non smokers actually pay less in life insurance. So, before you light that next cigarette think about expanding your life span while saving you money.

2. Boost Your Mood and Get Moving!

Not only will exercise create a longer life span, but it will also boost your mood. Clients with the right BMI tend to have lower personal life insurance premiums. Only about 10% of clients qualify for the best rates and out of that 10% all qualify for a lower personal life insurance rate because of their BMI.

3. Ditch the Junk

One of the best ways to expand your life expectancy and get healthy is eating right. Ditch the bag of processed chips and swap it for a piece of fruit. Seven or more proportions of fruits and veggies lowers risk of death at any age by 42%. I have discovered prepping meals for the week will keep you on a healthy track and help you stay away from the processed junk.

4. Click It!

A super easy solution, that should be routine anyway, is buckling up your seat belt. You can reduce crash related injuries by approximately 50% just by buckling up. Keep that in mind next time you go for a drive. 

I hope these 4 tips were a helpful guide to cutting your Life insurance bill.  I would love to hear from you and set up a Personal Life Policy to protect you and your loved ones. Feel free to stop by our office in Oceanside, CA. Or you can always call or email with any questions or concerns.

866-486-3276

gdomingo@farmersagent.com

  

Attention Homeowners: 5 Tips To Go Green In Your Home

Want to save money while saving energy? It can be done by some quick , easy, at home fixes. Here are five basic ways to cut your energy bill and help the environment.

1. Light-bulbs to LED 

Try to start out by changing just 5 light-bulbs in your home to LED bulbs. Believe it or not, they are actually cheaper over time and will save energy while saving you money. Now I know they can be bright, so you may want to avoid changing them in your room if you aren't an early riser! Instead you can try changing them in closets, pantries, or the laundry room.

2. Power Up The Strips!

Think of all those phone, iPad, and kindle chargers you have just sitting in the power circuits at home. An easy way to save energy is to use power strips. Plug in all the chargers to one power strip and just turn off the strip when you aren't using it. A quick way to cut your energy bill. 

3. Reduce, Reuse, Recycle

Stop buying all those cases of water every couple of weeks and invest in a purified water pitcher. Keep it in your fridge and fill reusable water bottles. This has helped my family save money every month and can easily help yours too. A win-win for you and the environment.

4. What Answering Machine?

Now a days, many people rely on their cellphones, leaving the answering machine just sitting plugged in somewhere in your home. Save money buy taking it out and relying on voice mails. It is an easy efficient fix that saves money and energy.

5. Morning Routines 

Who doesn't love those hot morning showers? Try cutting your shower time to save energy and water. Also, turn the water off while brushing your teeth in the morning and evening. Cutting your water usage can help in the drought we are in and easily save you money. 

Have you made any "green" changes in your home? Comment them below! Never hesitate to call with any questions or concerns. You can reach us at our office in Oceanside, California or call 866.486.3276. Feel free to visit my website at www.farmersagent.com/gdomingo for business hours or further questions or concerns. 

CAUTION: Look Both Ways

Did you know one person dies every 16 minuets by a fatal car accident? Why are more people scared of flying than doing everyday actions such as driving? 

Take a look at the article "Looking Both Ways" on my Facebook Business Page. Copy and paste this link www.facebook.com/glenndomingofarmers, or click the link in the right  hand corner under "My Social Websites" to find out more information regarding unknown everyday risks. It may change your perspective on getting a Life Insurance Policy.

Please feel free to contact me with any questions, concerns, or quotes by email or phone.

gdomingo@farmeragent.com

866.486.3276

Why Do You Need Homeowners Insurance?

Home Insurance is needed if any home owner has a mortgage or lien on the home.  The insurance is needed because the bank still owns the property and they have a vested interest that the property stays in good working order. 

 

It is important to have home insurance also for coverage of your personal property at home and anywhere you might be traveling.  Each company has its rules and regulations about how much personal property is covered outside the home.  Farmers offers coverage of 10% of your personal property from your home insurance coverage any where in the world.  This coverage also protects your personal property at home in the event of a covered loss such as fire, smoke damage, theft etc.

 

Another important reason that people should carry home owners insurance or renters insurance is the built in liability coverage in the policy.  What if your dog bit someone ??  What if someone tripped on your property ??  What if you accidentally broke something at you neighbors house ??  This is what liability coverage protects, an unforeseen accident not intentionally caused by a home owner or their family members.