Signs That It’s Time to Replace Your Roof

Signs That It's Time to Replace Your RoofKnow when it’s time to replace your roof.

It’s important to keep your roof well maintained. It’s your main source of protection against the elements from temperature to the wind to rain. However, your roof won’t last forever. As the elements put wear and tear on your roof, you need regular maintenance to extend the life of your roof. Check out what you need to know about when it’s time to replace your roof.

Damaged Shingles.

When it comes to your roof, it’s imperative to have it inspected at least once per year. Have a look to ensure that there aren’t any damaged, broken, cracked, stained, or curled shingles. If you do notice any that are damaged, have them replaced as soon as possible.


If you notice that your roof is a bit curved, or uneven, it’s likely a sign of damage. When it comes to your roof, it should be straight. If it’s not, it’s time to replace it.

Interior Damage.

Sometimes it’s hard to tell if your roof is damaged. However, a quick sweep through the attic can help you determine whether or not your roof needs replacing. If you notice any interior water damage in your attic or anywhere else near your roof, you have a leak and your roof needs repairs at the very least.

High Energy Bills.

Your energy bill can be another clue as to whether or not your roof needs fixing. If your roof is damaged, your heating and cooling systems may be working harder than they need to, making your bill skyrocket. Look at your energy bills for clues of a damaged roof.

Keep your roof in great shape so that you’re better able to extend its life. Ensure that your roof keeps you well protected. Keep your home well protected with the right homeowners insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Learn How Yogurt Can Improve Your Health

How Yogurt Can Improve Your HealthFind out how yogurt benefits your health.

It’s important to pay attention to what you eat. The foods that you eat give your body the nutrients that you need to stay healthy and function properly. That’s why it’s important to eat plenty of nutritious foods so that your body functions as efficiently as possible. When it comes to your diet, ensure that you get plenty of yogurt. Learn about all the health benefits of yogurt and check out what you need to know.

Improves Gut Health.

Yogurt is full of bacteria that helps to keep your gastrointestinal tract healthy. It helps to boost your immune system and helps to fight off intestinal infections. Eat more yogurt so that its active cultures can help your digestive tract.

Builds Strong Muscles.

When it comes to building strong muscles, you need lots of protein. Fortunately, yogurt has a wealth of protein, which can help your body to get strong. Plus, protein helps to keep you fuller longer, which means that eating yogurt can help you to drop a few pounds. However, too much sugar and fat can cancel out the benefits of the protein. Ensure that you read the nutritional facts and pick a yogurt low in fat and sugar.

Promotes Bone Health.

Yogurt is packed with plenty of nutrients, but is particularly full of calcium and vitamin D. These vitamins help to keep your bones in great shape, and they may even help to reduce your risk of osteoporosis.

Yogurt is a healthy snack that helps to give your body the nutrients that you need. Just like you keep your health well protected, it’s important to keep your family well protected with the right insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Renewing Your Insurance Policies in 2016

Renewing Your Insurance Policies 2016

It’s a new year! Review and renew your insurance policies!

As the new year begins and you reflect on the previous year, consider all the changes that have occurred. Maybe you got married, remodeled your home, or sold your car. As your life changes so does your insurance coverage. A good portion of unpaid claims result from a lack of reporting lifestyle changes. Review and renew your insurance this year and update your coverage! Whether you decide to renew your current policy or change your coverage, here’s what you should consider before renewing your policies.

Homeowners Insurance

Not all policies are created equal. Check to see what your current policy covers. If you’ve made any changes to your home in the past year make sure to update your policy so you have enough coverage to rebuild your home if necessary. Also, consider supplementing your policy with coverage for personal belongings and natural disasters like earthquakes.

Auto Insurance

Double check liability limits and medical payments associated with your policy. Make your policy suits your way of life. If you drive a lot perhaps it’s time to upgrade your coverage. While if you’re renewing your policy see if there are any additional discounts for being a loyal customer.

Umbrella Insurance

As your lifestyle changes consider investing in personal umbrella insurance. Or if you already have a plan consider upgrading it. It can help cover damages caused by you and your family. So if you just had a baby or adopted a new puppy invest in an umbrella policy.

Review and renew your policies with Panzera Insurance Agency, Inc. Working to help you find the right insurance for your lifestyle, contact us for more information.

Are You Covered if A Guest in Your Home is Injured?

Umbrella Insurance Coverage: Covered Guest Home Injured

Umbrella insurance covers the unexpected!

It’s the holiday season and you’re throwing a New Years’ eve party. You have a home full of friends and family and everyone is having a good time until someone trips on the stairs and needs medical attention. Are you liable for their injuries? Turns out you could be. So if you’re having guests over this season, make sure you’re covered for unexpected accidents with umbrella insurance. These benefits of umbrella insurance will help you avoid liability and are well worth the investment.

Covers claims that may exceed the coverage of your existing policies.

You’ve already invested in homeowners insurance and auto insurance, but what if it’s not enough? Sometimes damages can exceed the coverage of your regular policies and you’re left paying for the remaining portion out of pocket. Umbrella insurance provides extra liability coverage to protect you and your assets from major claims and lawsuits. Get peace of mind and insure that you’re covered!

Provides coverage for injury and damages.

In the event that someone is injured while at your home and you are found liable, you will have to cover the cost of the damages. Umbrella insurance helps take the burden off. You’re covered for another person’s fall in your home or yard, injuries when in a car accident, and even injuries caused by your pet! Umbrella insurance also covers damage to another person’s property, like a car in an accident.

Provides legal assistance.

In the event that you’re taken to court, umbrella insurance can help you pay legal fees associated with umbrella insurance coverage. So if your friend did take you to court after falling in your home, you’d be covered.

Need personal umbrella insurance? Panzera Insurance Agency, Inc. offers affordable options! Contact us for all your insurance needs.

Prepare Yourself For Holiday Travels

Prepare Yourself For Holiday Travels

Keep calm and travel on!

With crowds, traffic, and weather delays traveling around the holidays can be a nightmare! Whether you’re driving or flying to visit friends and family for the holidays these holiday travel tips will keep you relaxed during the stress of travel!

Give yourself the gift of time.

Allow plenty of time when traveling, especially during the holidays. Delays are inevitable and out of your control. Avoid the stress and plan for longer travel time. Hit the road a few hours earlier than you would normally, or schedule your flight to arrive a day before you have to be home.

Be tech savvy.

Before you leave download a few travel apps to your phone. You can check traffic, find great places to stop and eat, or check your gate and seat assignments.

Bring snacks.

Whether it’s a drive or a flight, chances are you’re going to get hungry, and nobody wants to travel when they’re hangry. Stay full and hydrated by bringing snacks and drinks with you! Just remember that TSA regulations prevent you from bringing liquids and gels through security. You can bring an empty water bottle with you and fill it up at a water fountain.

Dress comfortably.

You likely have a long journey ahead of you in a confined space, so make sure you’re comfortable. If you’re traveling via airplane keep in mind, you’ll have to go through security. Be prepared to take off your shoes, belts, and jackets.


Hefty baggage fees, the risk of losing your luggage, and wrestling with your bag at the baggage claim all make travel more stressful. Chances are your holiday travels are short visits. Pack light and carry-on your luggage. Just remember to check the TSA restrictions to ensure you’ll have no problem getting through security.

Panzera Insurance Agency, Inc. would like to wish you a happy holiday season and safe travels. Contact us for all your insurance needs.

How to Reduce Your Risk of Home Water Damage

Reduce Risk of Home Water Damage

Prevent any unwanted water damage and conserve water!

Whilst California faces a drought, water conservation is of the upmost importance, but did you know that water conservation is helpful in preventing home water damage? Water damage is the leading claim on homeowner insurance policies. Checking for leaks can save water and prevent accidental water damage. Protect your home with these tips to make your water usage more efficient and reduce the risk of unwanted water damage!

Inspect sinks, showers, and tubs.

Check to see if your bathroom’s utilities are watertight. The seal and caulking around the sinks, showers and tubs should be in perfect condition.

Check your hoses.

Water heaters, dishwashers, or refrigerator icemakers, and washing machines all have hoses. Check to make sure they’re all in working order. If you notice any cracks or leaks replace them. A good rule of thumb is to replace your hoses every five to seven years.

Shut off the water when you’re not home.

Never leave a water-using machine running while your not home. It poses the risk of leaking and causing serious water damage.

Maintain your plumbing.

Even the best plumbing has a shelf-life and will eventually fail. ALL items will age and as they do, they will fail. Routinely check your pipes and make any necessary replacements. It’s a small investment that can save you a lot of money in the long-run.

Check your roof and downspouts.

Any missing parts or debris may pose a risk to potential water damage.

Maintain sprinkler systems.

If installed too close to your home, irrigations systems can cause water damage to your home. Maintain your pipes to prevent any pipe bursts. You may also want to consider drought-resistant landscaping. It will reduce your water usage and therefore lowers risk of water damage.

Know how and where to shut off your water.

In the event that you do have a water emergency, know how and where to turn off the water. It saves a precious resource and money.

Avoid returning home to a flooded house by being prepared! Panzera Insurance Agency, Inc. offers policies for all your insurance needs. Contact us for more information.

Getting Ready For El Nino

Rainy day in car

Use these tips to help you stay safe on the road in dangerous weather.

With the current California drought situation, you may think that you don’t have to worry about driving in any inclement weather. However, a monster El Nino is expected to hit the state in the coming months, which can lead to very dangerous situations on the road. Keep these safe El Nino driving tips in mind help you stay safe on the roads.

When driving in heavy winds:

  • Anticipate big gusts – when driving through areas that are prone to strong winds, use extra caution.
  • Keep on eye on large vehicles – big trucks and buses can easily get blown around on the road during heavy winds. Make sure to watch out for any dangerous situations when driving around any big vehicles.
  • Keep your hands on the wheel – both of your hands should always be on your steering wheel at all times to help you stay in control of your vehicle.

When driving in heavy rain:

  • Slow down – the slower you go, the more time you will have to react to any dangerous situations up ahead. Driving slowly will also help to keep your vehicle from hydroplaning when you hit a large puddle of water.
  • Turn on your lights – even during the daytime, make sure your headlights are turned on. Your lights will help you see the road ahead much easier while also making you more visible to other drivers.
  • Add some space – add at least 2 seconds of following time to the car ahead of you. Leaving extra space will give you plenty of time to react to any changes in the traffic conditions ahead.

Before El Nino hits, take the time to look over your auto insurance policy to ensure that you have the right amount of coverage. Contact Panzera Insurance Agency for all of your car insurance needs.