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St. Patrick’s Day Crafts for Kids

Wondering what kind of St. Patrick’s Day crafts you can do to keep the kids entertained and make it fun for them? Maybe you want a sweet treat they can munch on while making the crafts? You’ve come to the right place.

Why do St. Patrick’s Day Kids Activities and Crafts?

Most kids like being creative and making things with their hands. That’s why doing some kind of crafts will usually go over pretty well with them.

It’s a win-win for everyone:

  • The kids are engaged and learning something new.
  • It’s something you and your child can do together
  • Everyone gets a little more creative and exposed to something fun
  • You end up with a tangible craft the kids can play with, decorate their room with, etc.
  • It kids your kids away from a screen (video games, tablets, etc.)

The best news is these crafts don’t need to be too difficult.

Easy Craft Ideas for St. Patrick’s Day

In no particular order, here are a few things you can try.

Toilet Paper Roll Stamp

Cardboard tubes like toilet paper rolls are a crafty parent’s best friend. You can do all kinds of things with them – today, it’ll be turned into a “stamp” that can be used to help your kids make shamrocks.

First, fold in part of the roll so when you look through the tube, it’s the shape of a heart. Put a piece of tape across where you just pushed it in to hold the heart shape.

Now that you have your stamp, dip it into some green paint. Stamp the green paint onto some construction paper 3 times, putting the bottoms of the hearts touching each other. This gives you a shamrock shape – you just need to add the stem and color the leaves!

Rainbow Binoculars

This craft is more proof that a toilet paper roll is a great tool for crafty parents. For this project, you’ll need

  • Two toilet paper rolls
  • Six pieces of construction paper (purple, blue, green, yellow, orange, red)
  • Tape
  • Ribbon

First, tape the toilet paper rolls together, side by side. Make sure the ends are even with each other.

Next, cut the construction paper into strips and put the red strip around one end. Tape the ends together on the bottom.

Put the orange strip next to red, again taping at the bottom. Continue with the rest of the colors in order: yellow, green, blue, and purple.

The ribbon is optional but we recommend it. It’s a way for your child to hang the binoculars around their neck, so cut a decent length – about 2-3 feet – and tape the two ends to the binoculars.

Paper Plate Leprechaun

For this one, you’ll need

  • Green, black and yellow construction paper construction paper
  • A paper plate
  • Orange paint
  • A black marker or crayons

First, turn the paper plate upside down and paint the outside “frills” orange.

Next, use your marker to draw the leprechaun’s eyes, nose, and mouth.

Use your construction paper to cut out a hat. You need 4 things to make the hat:

  • The tall part (a wide rectangle)
  • The brim (can be a narrow rectangle or oval)
  • The belt (a small black rectangle that goes across the tall part)
  • The buckle (a small yellow square with a hole in the middle that goes on the belt)

Attach the hat to your plate and voila! You have your leprechaun.

St. Patrick’s Day Cookies

Who doesn’t love a good cookie? For this, we recommend keeping it easy.

  • Make your favorite sugar cookie dough
  • Get some St. Patrick’s Day cookie cutters (leprechauns, shamrocks, horseshoes, rainbows, etc.)
  • Use the cookie cutters to make the shapes you want
  • Add frosting to the tops of the cookies after they’re done baking

Simple but effective!

We hope you enjoy your St. Patrick’s Day!

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National Parks Close to Orange County to Visit

Looking for a nice weekend getaway? Here are a few national parks close to Orange County that we recommend visiting.

National Park #1: Sequoia National Park

Have you ever wanted to see some of the biggest trees in the world? They’re bigger than you can possibly imagine. They’re so big that tunnels have been built through them, allowing you to drive a car through. These trees are truly humbling.

Sequoia has a lot to offer. For one thing, you can start by just walking through the park and seeing the sights. Several lodges are available including Wuksachi Lodge, John Muir Lodge, Cedar Grove Lodge, and Grant Grove Cabins. You can also go camping if you are looking to get closer to nature.

Just make sure you plan your trip in advance. You’re more likely to enjoy yourself and get the most out of our time in the forest of giants. For more information, check out their website at https://www.nps.gov/seki/index.htm. 

National Park #2: Joshua Tree

What do you think of the Mojave desert? How about the Colorado desert? How would you like to visit a place that incorporates the beauty of both ecosystems at the same time?  

“What do you do in the desert?” Good question. There are actually a lot of things to do, just check out their website at https://www.nps.gov/jotr/index.htm for a few ideas. Take a look at the hiking trails, or you can plan on climbing and bouldering. More of a cyclist? No problem – they have bike trails too. Or you can hop on the back of a horse and enjoy the landscape that way. 

Plan on having a few picnics in the park. They have eight picnic areas, so you will always have one close by and convenient. There aren’t exactly restaurants inside the park, but you have a lot of options in nearby towns. 

National Park Close to Orange County #3: Los Padres National Forest

Have you ever been over to Los Padres? This park is huge and has a lot to offer. Horseback riding, hiking, camping, kayaking, and backpacking are just a few things you can do in this diverse park. 

One of the most interesting things about Los Padres is its biodiversity. You have forests, the sea coastline, grasslands, semi-desert, and more ecosystems all within a relatively small area. 

Check out their website at https://lpfw.org/our-region/los-padres-national-forest/ to help you plan your trip.

These are just a few of our favorite spots, but we recommend doing a quick Google search to find other places nearby to visit. Do you have favorite local spots for a weekend getaway? We would love to hear about them! 

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4 Home Improvement Projects You Can Do Yourself

Looking for some DIY home improvement projects this summer? Here are a few of the easier ones that can make a huge difference around your home. 

Home Improvement Project #1: Paint

The first project to consider is painting. Almost everyone has at least one room in their house they wouldn’t mind as a different color. For example, maybe your bathroom is extremely dark, so you want to make it an off-white to brighten it up. Or perhaps your bedroom is too light, and you want to make it nice and dark to help you sleep better. 

Either way, the good news is painting is something that anyone can do. As long as you don’t need to reach any areas that are very high up such as a two-story foyer, you can probably do everything with an 8ft ladder. 

DIY Home Improvement Project #2: Garage Storage Shelves

It is a very common problem to feel like your garage is a mess and cluttered. Things start to build up the longer you are in a house and the more stuff you acquire. It’s easy to lose track of items that aren’t well-organized and stacked on the floor in boxes etc.

At the opposite end of the spectrum, have you ever been in a garage with storage shelves attached to the wall? They go a long way in turning a messy garage into a room you can almost enjoy.

The best part is these shelves aren’t too difficult to put up. You will need a circular saw and stud finder to do the job right, so an investment may be required. But those are great tools for any DIYer, and the extra breathing room you’ll experience in your garage will be worth it. 

Home Improvement Project #3: Refresh Caulk

Your house has caulk all over the place. Windows, bathtubs, counters, cabinets, etc. Over time, caulk tends to get worn out, cracking and falling apart. This makes the caulk both unsightly and less effective, causing things like moisture, cold air and bugs to come through. 

The good news is putting on a fresh layer of caulk is pretty easy. Here’s a pro tip: Don’t buy the cheapest caulk gun you can find. Get one that is easy to push and has a no-drip stop. 

House Improvement Project #4: Improve the Landscaping

Everyone loves the great outdoors, right? Here are a few ideas on projects to consider:

  • Build a fire pit
  • Dig a dry creek bed if you have erosion issues
  • Create a patio or wood deck
  • Cut down small trees and foliage
  • Rake up leaves in untouched areas of the yard
  • Plant a garden
  • Build a retainer wall

You don’t need to do everything at once of course. Just pick one or two projects at a time so you don’t stretch yourself too thin.

Doing a few home improvement projects may help you get your mind off the crazy world we live in right now. But because we do live in a crazy world where the unexpected happens, make sure you’re protected. Let us know how we can help with your insurance needs.

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Coronavirus 101 – What it is and How to Prevent it

Now that Orange County has declared a local state of emergency, the coronavirus is on everyone’s mind. What is the coronavirus? Are there tips to help prevent contraction?

What is the Coronavirus?

Coronavirus disease 2019 (often referred to as COVID-19) is a respiratory illness. It’s highly contagious and spreads from person to person. It’s caused by a virus that was first identified in Wuhan, China where the outbreak began. 

As of today, there are over 100,000 confirmed cases of the coronavirus and over 3,400 deaths. That said, over 55,000 people have recovered from the virus, proving that it can be beaten. 

How does the Coronavirus spread?

According to the Center of Disease Control (CDC), the main way this virus spreads is from close contact with an infected person. If someone who is infected coughs or sneezes, they produce respiratory droplets that contain the virus. 

The virus also spreads through physical contact. If the virus gets onto a surface that is then touched, it can spread. For example, if someone with the coronavirus sneezes into their hands and then touches a door handle to open it, the virus is now likely on that door handle. Anyone who touches that door handle has a risk of contracting the virus. 

What are the Coronavirus Symptoms?

There are three main symptoms of someone with the coronavirus:

  • Fever
  • Shortness of breath
  • Cough

How do You Prevent Getting the Coronavirus?

There are a few things you can do to help keep yourself healthy:

  1. Avoid close contact with people who are sick. This can be difficult because you don’t always know if someone has the virus. However, if they are showing symptoms, it’s best to keep your distance. 
  2. Avoid touching your eyes, nose or mouth with unwashed hands. Even if you get the virus on your hands, it may not make you sick. It’s when you touch your face or eat with hands that have the virus on them that makes you more likely to get sick. 
  3. Wash your hands often with soap and water. Keep soap on your hands for at least 20 seconds, though longer is better. You need to give the soap time to kill the virus, which is why you can’t wash it off too quickly. 

What Else Should I Know About the Coronavirus?

There is currently no vaccine for the virus, even though companies are working around the clock to develop one. Many areas of the world have declared a state of emergency, and some companies are even having people work from home to prevent the spread of the virus. 

Even if your area doesn’t have any confirmed cases, start taking action now. Considering how fast the virus is spreading, there is a good chance it will be in your area soon. Start washing your hands often and avoid people who are sick if possible. If you or your loved ones start showing symptoms of the virus, seek medical attention quickly. 

This is also an ideal time to review your health insurance. If you think a new policy is in order, give us a call at (877) 600-7347. We look forward to helping you keep your family healthy and safe.

Courtesy of Cuselleration

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Does Homeowner’s Insurance Cover Jewelry?

Does your homeowner’s insurance cover jewelry? Chances are good that it does, but there’s a catch. Most policies only offer basic coverage, so the dollar value isn’t very high. If your jewelry collection is worth a pretty penny, your current policy may not be enough to cover it all. Here’s where the jewelry floater may be perfect for you.

What is a Jewelry Floater?

A jewelry floater is supplemental coverage for your jewelry. 

Who Needs a Jewelry Floater with their Home Insurance?

The answer to this question depends on three things:

  1. What is the current value of your jewelry?
  2. Are you buying more jewelry soon? After all, Valentine’s Day is this month.
  3. What does your current policy cover?

Let’s say you currently own about $3,000 worth of jewelry, you’re about to buy a $500 ring for Valentine’s Day, and your policy only covers $1,500. In that case, you may want to consider a jewelry floater since your current coverage only covers $1,500 of the $3,500 total value. 

On the flip side, maybe you own $1,000 worth of jewelry and the necklace you’re buying this month is worth $300. In that case, your $1,500 worth of coverage is more than enough. 

That said, there are other factors to consider besides just the dollar values. 

What Does a Jewelry Floater Cover?

Every policy is different, so it’s hard to generalize, but one big thing to think about is accidental loss. 

Most homeowner policies don’t cover accidental loss. For instance, if you go hiking and your ring falls off, your policy will most likely not cover accidental loss. You’ll need to pay completely out of pocket to replace it. The alternative, a jewelry floater, may cover accidental loss. In that case, the insurance company may pay for the new ring. 

People lose jewelry all the time. Sometimes it goes down the sink, tub drain or toilet. Other times it just falls off while you’re walking down the street or at the grocery store. You just never know. 

If you choose to schedule your jewelry so it’s covered, you’ll have more peace of mind that your investment is protected. 

What Does it Mean to Schedule Individual Valuables?

When you purchase a floater, you’re essentially “scheduling” your valuables. This means you’re protecting them from loss, but there are a few steps involved. Before you’re able to cover the items, you need to have them professionally appraised. This verifies the items you’re covering are worth the value you claim on the insurance policy. 

Ask your insurance company for a reputable appraisal company or do a search on Google to find one in your area.

The Pros and Cons of Jewelry Floaters

Just like any insurance policy, each side of the coin has one main pro or con. 

The pro of investing in a jewelry floater is peace of mind. You paid a lot for your jewelry, and this additional coverage will help you sleep at night knowing your investment is protected.

The con is the cost. Some people choose to forego a floater because they don’t want to pay the premiums involved. 

For some personalized advice, just send us an email at info@partnersdirectins.com or give us a call at (877) 600-7347. We look forward to helping you!

Courtesy of Cuselleration

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6 Fun Things to Do in Orange County this December

Looking for a few fun things to do in and around Orange County this December? Here are a few recommendations. 

111th Newport Beach Christmas Boat Parade and Ring of Lights

Join the OC community at one of the most beloved events of the holiday season – The 111th Newport Beach Christmas Boat Parade and Ring of Lights. Extravagantly decorated boats and yachts circle Newport Harbor nightly from December 18th through December 22nd at 6:30 p.m. Make sure to arrive early to find the best viewing spot and parking!

For more information click here.

Winter Fest OC 2019

Have you ever been to Winter Fest OC? It’s an annual tradition for thousands of people. From December 19th  through January 5th, 2020, Winter Fest attracts a huge crowd due to the great variety it offers. Music lovers can go to see tributes to popular artists including an 80’s cover band, Bruno Mars, Queen, and Fleetwood Mac. Young families can bring their kids to see their favorite heroes – Paw Patrol, PJ Masks, Peppa Pig and Thomas the Train. 

Highlights of this event include ice skating, tree lighting, fireworks, the world’s biggest rocking horse and Candy Cane Carnival rides. 

There are different activities every day so plan your visit ahead of time! Check out the website to learn more about the schedule and scope out the best day for you to go. 

Enjoy The Holiday Season at Disneyland

Disneyland is a magical place. Whether you’ve never been or you’re a regular, it’s a great place to go this time of year. The park is beautifully decorated for the holidays. Christmas trees, lights, wreaths and more are all over the park. You don’t even need to ride any rides – just take a stroll through the park at night and be in awe. 

Don’t miss out on the holiday magic! Click here for more information.

Sawdust Art Festival

This is the place to be if you love festivals, great food or shopping. Open every weekend until December 22nd, the Sawdust Art Festival in Laguna Beach features over 180 artists selling their wares. Here are just a few things you can find here:

  • Clothing
  • Sculptures
  • Paintings
  • Textiles
  • Ceramics
  • Jewelry
  • Blown glass

Already done with your holiday shopping? No problem. There are live shows, art classes, food vendors, a petting zoo, Santa and more. You can spend hours just exploring the festival. 

Click here for more information. 

Find a Local Tree Lighting

There are literally dozens of tree lightings in the area this time of year. Shopping centers, malls, city halls, and marinas are a few facilities that often do a big Christmas tree lighting. These usually happen on the weekends when crowds can be the biggest, so plan your Friday or Saturday night accordingly. 

Ring in the New Year in Style

Looking for big ways to celebrate the beginning of the new decade? Orange County has countless grand parties and ways to celebrate. From a New Year’s Eve Yacht Party in Newport Beach to a grand New Year’s Eve party at Hotel Irvine, you’ll be ready to ring in the New Year in style. Click here for more New Year’s Eve parties in Orange County. 

Looking for a family-friendly way to celebrate the New Year? Check out LA Zoo Lights 2019/20 at the Los Angeles Zoo!

Have a wonderful holiday season and a Happy New Year! Feel free to reach out to us with any questions.

Courtesy of Cuselleration

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The Effect of California’s 2018 Deadly Fires on Insurance Companies

Across California, the wildfires were beyond devastating last year. With the Camp Fire in Northern California and the Woolsey Fire in Southern California, it felt like the entire state was burning.  

More than 7,000 residential and commercial structures were destroyed thanks to heightened wildfire activity throughout the state. As a result, it is becoming more difficult than ever for California homeowners to obtain and keep fire insurance.

The California Department of Insurance has received nearly forty thousand claims related to the Camp and Woosley/Hill fires with total incurred losses exceeding approximately nine billion dollars, as of last December.

As California wildfires grew larger and more intense last year, most insurance companies were not renewing policies for customers who live in areas that were too risky to cover. The state estimates that over one million homes in California are at high risk for wildfires.  

A California Department of Insurance report learned that the number of homeowners in the wildland urban interface, who spoke out about getting dropped by their plans has tripled from from years 2010-2016. These complaints about increased premiums have risen two hundred seventeen percent.

The state’s most vulnerable homes are not located in cities. They are instead found in areas defined as “wildlife-urban interface.” These homes are built just close enough to woodlands so that a spark from a tree can set a whole town on fire. As more people continue to live in and move to these disaster-prone areas, the amount of property at risk and the subsequent cost will also increase.  

Insurance companies do not have the same recourse and some have been choosing to not renew policies for customers who live in areas that are too risky to cover.  A standard homeowners insurance policy will include coverage for fires. But if you live in what is classified as a high risk area, you will either need to pay more for coverage or obtain insurance through surplus lines. Surplus lines are policies that protect against financial risk that regular insurance companies won’t take on and are not required to follow same state regulations.

To protect homeowners from high rate increases, the state requires insurers to justify increases with reams of data showing that their cost of paying for claims is rising. And after a catastrophic year of natural disasters, insurers are not allowed to increase rates right away. They instead must phase in the increase over twenty years.  

Moving forward, insurance companies will be more creative with their policies. As a result, more homeowners need to purchase additional coverage to make sure they are protected, or move out of problem areas.

There are millions of California homeowners who need to take the right steps to protect themselves and their homes in the event of a similar tragedy.

It is important to have the right insurance broker working with you, who can walk you through these more nuanced provisions and find the right plan for you. This will make a big difference when something catastrophic happens.   

Do you have a question about protecting your home from wildfires in the future? Click here to contact Partners Direct Insurance today!

Courtesy of Cuselleration

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Why Personal Umbrella Insurance Is Important

Umbrella insurance is another type of liability insurance. It gives you, as a policy holder, an additional liability protection against any lawsuits and other claims that could go against you. Umbrella insurance starts to come into effect when your base liability limit is no longer able to cover everything.

This type of insurance is important because it can cover your back if you run into an issue that maxes out your personal liability coverage. It serves as a good protection during property damage or injury litigation, and can cover any additional legal costs if you are facing a lawsuit for damages to an individual or their property.

You might not think umbrella insurance is important, but lawsuits are a common affair now and lawyers are working hard to secure more and more money for their clients. Homeowner, car, and boat insurance coverage have a limit when it comes to liability.

Since liability insurance covers costs related to medical bills, rehab, or lost wages, expenses can quickly add up after an incident. Most traditional standard liability policies are just not enough to cover in most cases.

Umbrella insurance can help you cover the expenses if your insurance is not able to account for everything. Many states have laws that hold individuals accountable for bodily injury and other property damage. Most incidents of this nature will also come with lawsuits, which can be very expensive.

Click here to learn what condominium insurance covers!

As a result, it is important to have as much insurance on your side as possible, since you never know how much a judge would award in damages to someone else. Personal umbrella insurance is a fact of life for every policy holder, no matter their wealth or income.

Personal umbrella insurance policies are beneficial because they can come at a low price. Some can cost as little as $100 per year for $1 million dollars worth of coverage. This makes it a reasonable and smart investment based on the return, especially compared to other insurance policies.

If you are interested in securing a personal umbrella insurance policy, you should sit down to think about how much of it you will actually need. Consider the value of your assets, any potential loss of income, and any other risks to help you decide on the policy amount that would be appropriate for your situation.

It is important to think about your potential loss of income and wages because people with no assets to their name could be forced to pay off damages with future earnings.

Do you have a question about personal umbrella insurance? Click here to contact Partners Direct Insurance Services today!

Courtesy of Cuselleration

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5 Safety Tips to Protect Your Home This Holiday Season

The holiday season gives the feeling of joy and is oftentimes spent with close family or friends. Even though the season is usually festive, things can unfortunately turn sour fairly quickly. Thieves and criminals are usually watching homes that get a lot of packages and are even willing to break into homes and steal if they think you are buying a lot of expensive gifts.

Disasters such as broken pipes or an electrical fire are also scenarios that do not go away during the holiday season. As a result, make sure to take the time to be careful and take all available safeguards to protect your home against loss and damage or get yourself into trouble.

Here are five different safety tips to protect your home this holiday season.

1) Be careful about gifts you are buying and shipping.

Many people leave expensive gifts in their living room, presenting an inviting target for criminals who break through a door or window to steal. Many police forces have a hard time tracking down these types of criminals due to a lack of other witnesses and evidence. Make sure to keep any pricey gifts hidden in your house and away from windows until they are gifted.

2) Take care of your Christmas tree.

Many fires start inside homes during the holiday season because of a dry Christmas tree that catches fire. Be sure to water your tree everyday and purchase one that is still fresh. Trees that have dry needles, look brittle, and have wrinkled bark should not be purchased. Once your tree is inside your home, keep any electrical items and fire away from the area it is in.

3) Take the time to purchase high quality Christmas lights.

Older lights usually take up more power and are a major fire risk, especially if they have frays and breaks in the cord. The best Christmas lights are ones that emit low heat and have the proper certifications. Before putting up lights, study the cords closely to see if there are any broken sockets and be sure to turn everything off once you leave the home.

4) Protect your pipes once the weather gets really cold.

Colder nights can cause pipes inside of your house to break, which can be a repair that totals in the thousands of dollars. You can take steps to prevent this risk. Drain any water from your sprinkler lines before it freezes and remove any outside hoses so you can shut off the inside valves. If you have a basement or garage, spend the money to get pipes in these types of areas properly insulated with sleeves or heat tape. Just make sure any insulation is properly certified to work for the particular pipe.

Click here to learn what condominium insurance covers!

5) Keep watch over food in the kitchen.

Cooking fires and mishaps often lead to a large amount of the fires seen on Thanksgiving, and the same story continues on Christmas if people are not careful. Never leave anything cooking unattended and keep kids away from the kitchen if you are working. Smoke alarms should be in good working order at this point in the year as well.

Do you have a question about how to protect your home this holiday season? Click here to contact Partners Direct Insurance Services today!

 

Courtesy of Cuselleration

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6 Myths About Flood Insurance

Floods can be a fact of life for people who are far away from any sort of ocean or river. Rapid rainfalls can quickly lead to flash floods that can damage a home or surrounding property.

Floods can also be a problem even after a relatively mild and weak storm if you do not have a good drainage system around your home and surrounding property.

Many homeowners choose to purchase flood insurance, especially if they live near a large body of water, so they can get assistance with repairs or a total rebuild after a flood. However, there are a lot of myths about flood insurance, so keep reading to get educated on what the truth really is.

Myth: Everyone in a Flood-Prone Area Must Get Insurance

Homeowners are only required to buy flood insurance if they meet a set of criteria.

They must purchase it if their home is in a flood hazard area (1% chance of a flood each year), if the community is involved in the National Flood Insurance Program, and if they purchased or refinanced a home through a federally regulated institution. Homeowners that do not meet this criteria are not required to buy insurance.

Myth: Insurance Is Costly

Contrary to many beliefs, flood insurance is not always expensive. The price will depend on your location, home value, and height off the ground.

Click here to learn why it’s important to review policies every year!

Myth: Taxpayers Pay The Federal Flood Insurance Bill

The National Flood Insurance Program does not spend any tax dollars. The government makes sure the premium rates are set high enough as to cover any claims and operating expenses in a normal year. If a year is particularly bad, then the treasury lends money and just charges an interest rate on top of the loan. The program works to maintain solvency by boosting the accuracy of flooding maps and easing away from subsidies.

Myth: Insurance Is Just For Beach Homes

Many houses that have flood insurance, especially those in the National Flood Insurance Program, are actually away from the oceanside. You should always purchase flood insurance if you can because flood-related damages are not covered by normal homeowners insurance.

Myth: Floods Don’t Really Cause a Lot of Damage

Even though tornadoes and hurricanes often get big headlines, floods actually create more damage in the United States than any other type of natural disaster.

Remember, floods can happen anywhere. They usually occur during a storm where a lake or river rises. Additionally, floods can happen due to the actions and activities of humans, like during construction of roads and houses, if the proper precautions are not taken.

Overall, there are a lot of myths about floods and flood insurance. Flooding is a serious risk to any home and the possessions inside, so smart homeowners will secure insurance to be prepared. Floods can happen anywhere, and can often strike with little warning, so be sure that any insurance adequately accounts for the value of your home and possessions.

Do you have a question about how flood insurance can help recover damage of a home and its possessions? Click here to contact Partners Direct Insurance Services today!

Courtesy of Cuselleration

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