Insurance News

As the San Diego weather changes, the leaves fall from the trees, and football is in full swing, it is critical to remember a few essential autumn safety tips. While your family is enjoying the cool fall weather, you can avoid the dangers that come with the season if adequate precautions and safety knowledge are taken.


If you live in a wooded location, deer will be prevalent during this time of year. November is deer mating season, which means they are more active and more likely to be crossing roadways. In fact, deer are number one on the list of the top five animals you are most likely to hit with your automobile, according to the National Insurance Crime Bureau.

Space Heaters

A space heater can be an excellent way to warm up a cold area, but it is critical that you read the directions before using it. If your space heater requires venting, ensure that it is vented to the outside. Never use your stove or oven to heat your home; instead, use only certified space heaters. Allow at least three feet of distance surrounding space heaters.

Burning Candles

Over 46% of home fires in the fall months are caused by candles, cooking, and fireplaces – Every year in our country, more than 2,100 people die in house fires, and another 12,800 are injured.

Home Burglaries

Home burglaries increase about 38% during the fall – Keep your doors locked, use motion detectors, and turn on your home alarm.

Auto Accidents

As the weather turns cooler and the days become shorter, it is critical to drive with additional caution. Rear-end collisions are one of the most common insurance claims throughout the fall season. It is all too simple to rear-end the car in front of you when sight is poor, and roads are slick.

Allow plenty of room between your car and the one in front of you to avoid this. If you are in an accident, remember to file a claim with your insurance company. You can help make the fall season safer by exercising caution. 

ID Theft

More people are shopping online to prepare for the holidays. Keep your identity safe. When in doubt, pay using credit rather than debit. Avoid using non-bank ATMs. Use a different password for each of your accounts. If you cannot identify the sender, avoid clicking on links.

Leaf Burning

According to the Air Defenders, burning leaves releases harmful and cancer-causing chemicals, and they warn households to avoid disposing of leaves in this manner. Wear a protective mask if you opt to burn leaves. Burning leaves should only be attempted far away from a homeowner’s house or other structures on their property. Before beginning to burn leaves, always check the weather forecast. This activity should not be undertaken in fierce winds.

How To Protect Yourself and Family From Accidents

While it is impossible to prevent all accidents from occurring, you can protect you and your family with the right combination of home and auto insurance.

Auto Insurance

When acquiring personal auto insurance coverage through an independent insurance agency, it is always in your best interest to know the basics of auto insurance so that you can ask the proper questions and provide the appropriate answers. Here is a list of several forms of automobile insurance and their definitions:

  • Collision Insurance – Collision insurance protects your vehicle in the event of an accident.
  • Uninsured or underinsured motorist insurance – This type of coverage protects you if you are involved in a collision with someone who does not have insurance or does not have enough insurance to cover the damage to your car.
  • Liability Insurance – Liability insurance pays for damage to the other person’s car if you are determined to be at fault in an accident.
  • Comprehensive Insurance – Comprehensive Insurance covers damage to your vehicle that is not the result of an automobile accident. Vandalism, thievery, and natural.

Home Insurance

Finding the best home insurance policy for your specific needs can be difficult. Rest assured; we can help make things a little easier by designing a homeowners insurance policy that provides you with the appropriate coverage for your property at the right price. Consider the following coverage while evaluating your homeowner’s insurance options:

  • Fire, wind, and theft
  • Personal Property / Contents
  • Property Damage
  • Additional Living Expense / Loss of Use
  • Jewelry, Fine Arts and Collectibles
  • Medical Expenses
  • Flood
  • Personal Liability and more

Since 1992, Wayne McCormick has provided homeowners insurance coverage at competitive rates for homeowners and renters in San Diego County and Southern California.

Let us help you save even more by combining your home and auto insurance.  We can also help you can save hundreds on your life insuranceumbrella insurancemotorcycle insuranceboat / watercraft insuranceRV / travel trailer insurancecommercial insurance, and more. We even offer surety bonds!