KEN-TAL NEWS, OCTOBER/NOVEMBER 2015

Page 1

KEN-TAL NEWS

PRESORT STANDARD U.S. POSTAGE PAID SAN DIEGO, CA EDDM RETAIL

Local Postal Customer

A Positive Community Newspaper Created by Locals, for Locals, Supporting Local Businesses

Vol 1. No. 3 - No. October/November 2015 Vol.1 3 - Octoboer 2015

www.MidCityNewspaperGroup.com

Megan’s Message Megan Beauvais, Realtor® CalBRE #01426805 Ascent Real Estate

C

hoosing a homeowners insurance policy is an inherent part of the home buying process. Clients and friends seem to have so many questions about what they should look out for. I have listened to my audience and since you asked, I want to deliver! In speaking to my trusted insurance adviser, BethAnn Alitt with Alitt Insurance Agency whom I have known for many years, she gave me a great list of “Do’s and Don’ts” when it comes to choosing an insurance company and policy. According to BethAnn, here are important things to look out for… A big do is: DO understand your coverage! A big don’t is DON’T be underinsured. DO’s : DO get the proper coverage for your home. Older homes need specialized coverage (such as increased building codes and coverage tailored to replace vintage home characteristics such as coved ceilings, lathe and plaster walls, built in cabinetry, custom milled wood working...which is often found in our particular area). DO let your insurance agent know when you are starting a renovation, remodel or add something such as AC or solar panels. These may need to be added and coverage adjusted to provide adequate coverage. DO pick an insurance agent that can shop different carriers for your insurance. There are many carriers and some specialize in niche markets and can offer coverage tailored for such things as an older home, a home with a brush or wildfire exposure, a home with restrictive dog breeds, condos, etc. No carrier does every policy the same and some are better than others for what you may need.

DO know the difference between what is considered a FLOOD and what is not. The FLOOD definition for insurance is HUGELY different than the regular definition. EX: your water heater breaks and your home is ‘flooded’ with water. This is NOT considered a FLOOD for insurance purposes. This is a non - weather water loss, and would be normally covered under a regular home policy. EX 2: there is a huge downpour and water is streaming down your street. It comes onto your property and into your home, ‘flooding’ the home. This IS a flood under the insurance definition. However, for this to be a covered loss, you need to have 1) FLOOD insurance and 2) the water needs to damage 5 acres or more. If only your home is damaged, there would be no coverage...even with FLOOD insurance. DO know the difference between earth movement and an earthquake? Earth-movement is not a covered loss under any regular or EQ policy. Earthquake is covered under an EQ policy. An earthquake policy will also have a separate deductible and different coverage amounts than your regular home policy. Dont’s: Don’t skimp on your home coverage. Homes are usually the biggest investment a person or family makes. Get the best coverage you can and perhaps get a higher deductible to offset the premium. The higher the deductible the lower the overall cost. It is better to pay a $5000 deductible and have included the correct amount of let’s say building codes coverage, than to pay a $1,000 deductible and have to pay $20000 or more out of pocket for the extra coverage you didn’t carry as you felt it was too much money. A deductible is a set amount ($1k, $1500, $2500, etc) but the cost to repair a home that does not have the proper coverage can be in the hundreds of thousands of dollars. Don’t skimp on liability. Protect your assets. The cost difference between $100,000 and $300,000 is about $45 annually. If you have a liability claim, and are underinsured, the other party can sue you, garnish your wages, attach a lien on your home and make the rest of your life miserable. Get good coverage. Don’t assume something is covered. Ask if you are unsure. Earthquake, flood and mortgage insurance are NOT included in a standard home insurance policy. These are extra! Always be sure to choose an agent that will fully explain your coverage. Insurance is difficult to understand and in my personal experience Beth Ann has always done a great job in explaining my coverage. If you have questions or would like more information give me a call! I would love to put you in touch with Alitt Insurance Agency, Inc.

MEET YOUR NEIGHBOR

J

ohn Royal and is wife moved to Talmadge in 1998 from Allied Gardens, where John grew up. They moved here pre-kids and have been enjoying raising their two boys in this eclectic, diverse community. They live in the only Victorian in Talmadge, which was moved to its current site in 1947 from Cortez Hill. On raising a family and how he enjoys quality of life in Talmadge, John states, “Talmadge offers an environment where people seem interested in fostering neighborly relationships with each other. I also find that the eclectic surroundings provides people an opportunity to be free to do whatever they want architecturally, making our surroundings so interesting. Everyone seems to embrace that freedom, as compared to a cookie cutter neighborhood where all the floorplans and house colors are the same.” When their children became school aged, they learned of school options through other Talmadge parents and ultimately participated in a lottery at 4 schools through the Choice program. Their children have attend Benchley Weinberger(a tuition-free magnet school through the San Diego Unified School District, with a focus on global media and artistic communication) in San Carlos, and their oldest is now at Lewis Middle School (John’s Alma Mater). They have been extremely pleased with the education, friendships developed, and experiences their children have had at both schools and find them both to be an easy commute from Talmadge. John is self-employed and owns Royal Environmental Services (RoyalEnvironmental@cox.net, 619-985-6363), which provides environmental consulting to commercial property owners with redevelopment and environmental compliance needs. John and his wife have been involved in many committees over the years including the Block Party Committee (his wife is a past Chair of the committee and an ongoing avid supporter, and John has served as a committee member and a co-chair throughout the years), and he also volunteers with Talmadge Patrol, is a TMAD past chair and current elected member, and volunteers scheduled Saturday mornings with the Patrol eradicating graffiti in the alleys. In his free time (at 5:30 in the morning) you can find John running in the neighborhood and occasionally at the Mud Run at Camp Pendleton. If you see John out and about the neighborhood, please say “hi”! You are sure to be greeted with a hearty “Hello”!

HOT OFF THE PRESS!

THESE TWO PROPERTIES WERE JUST LISTED

)DQWDVWLF VTIW LQ LG\OOLF 7DOPDGJH $ UDUH ÀQG ZLWK 1800esf, 3bdrms/3baths + Living & family rooms!

Luxury canyon retreat tucked back in Serra Mesa, and updated & maintained like no other. Come see the difference! Contact Megan Beauvais, Ascent Real Estate at 619-944-2798, or at Megan.B@cox.net for more LQIRUPDWLRQ UHJDUGLQJ VKRZLQJV DQG SULFLQJ

OCTOBER HAPPENINGS In and Around San Diego!

Bates Nut Farm Sept. 24-Oct. 31 Bates Nut Farm in Valley Center has been a Pumpkin Patch staple in San Diego for decades (the Bates family has owned the farm since 1921). Bates has plenty of pumpkins of all shapes and sizes, tractor hayrides, a straw maze, pony rides and a petting zoo. Time/Place: See website for schedule / 15954 Woods Valley Road, Valley Center, CA 92082 Contact: (800) 642-0348/ http:// batesnutfarm.biz/ce-12074-thepumpkin-patch.html The Haunted Hotel Sept. 25-Nov. 1 Spine tingling, heart pounding effects that are so real they will keep you screaming for your life as you try to find your way out. Time/Place: See website for schedule. / 424 Market, San Diego

Contact: (619) 231-0131 / www. hauntedhotel.com The Haunted Trail Sept. 25-Nov. 1 Enter the mile long Trail through the twisted grove of pines and gnarled oaks. Visitors watch your back! Time/Place: See website for schedule. / Balboa Park Contact: (619) 231-0131 / www. hauntedtrail.net

16th Annual Oma’s Pumpkin Patch Sept. 29-Oct. 31 Oma’s Pumpkin Patch offers fun for the whole family. The child admission includes a Jack Patch pumpkin, a bottle of water, covered hay rides, a hay bale maze, petting corral, kid-powered games and sand pile with toy trucks & tractors. Time/Place: See website for schedule Contact: www.omaspumpkinpatch. com/

The Scream Zone Sept 25-Nov. 1 A year-to-year favorite is the House of Horror, along with our newest attraction known as KarnEvil, and the Haunted Hayride. Time/Place: See website for schedule. / Del Mar Fairgrounds Contact: (858) 755-1161 / www. thescreamzone.com

RISE of the Jack O’Lanterns Oct. 2-25 Come see more than 5,000 handcarved illuminated jack o’lanterns created by professional artists and sculptors arranged in creative ways along a 1/3-mile scenic walking trail. Time/Place: See website for schedule. / San Diego Zoo Safari Park: 15500 San Pasqual Valley Road, Escondido Contact: (516) 252-3392 / www. therise.org


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.