--- title: California Home Insurance Agency providing CA Home, Auto, Apartment Insurance to Los Angeles, Orange County & Ventura County California | Susie Scherff (3) description: (3) --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## Susie Scherff ### Recent Posts ## [Is Your Child Starting To Drive? Check Out Our Youth Car Insurance Tips](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 24, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463344-jpg/images/youth_car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) If you are beginning to shop around for your child’s first [car insurance policy](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/), you’re probably already aware that it’s not unusual for student drivers to **pay higher premiums**. Young adults and students **aged 15-24** are statistically considered a **high risk group**, especially young males, who almost always pay even **higher costs**. That said, there are some things you and your child can do to mitigate costs. [Read More](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [New Legislation: Makes California Roads Safer & Slashes Car Insurance Rates](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 23, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462439-jpg/images/car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) In a recent **nationwide survey**, industry experts have revealed some intriguing statistics about what **Americans** think might **increase safety** on our roads.  The majority of us think that the **teen demographic** poses the most danger on the road.  As a result, 60 percent of road users support a national law that would set the **minimum standards** for a graduated driver’s licensing program, which would hopefully also have an impact on [car insurance premiums](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/tips-for-more-affordable-car-insurance/). Here are a few more findings from the survey: [Read More](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) ## [Some Sobering Facts and Enlightening Advice About Home Values in California](https://www.sutherland-scherff.com/blog/bid/64377/Some-Sobering-Facts-and-Enlightening-Advice-About-Home-Values-in-California) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 22, 2011 at 1:12 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463221-jpg/images/some_sobering_facts_and_enlightening_advice_about_home_values_in_california.jpg) ](https://www.sutherland-scherff.com/blog/bid/64377/Some-Sobering-Facts-and-Enlightening-Advice-About-Home-Values-in-California) It’s a depressing prospect: the housing market still hasn’t recovered from the monumental setbacks we experienced a few years back.  Meanwhile, the recent slew of storms we experienced over the spring coupled with the prediction of very active hurricane season means** insurance rates are on the rise**.  In high-risk locations, some homeowners are paying as much as a **20% increase** in their [home insurance](https://www.sutherland-scherff.com/personal-insurance/home-insurance/) rates. [Read More](https://www.sutherland-scherff.com/blog/bid/64377/Some-Sobering-Facts-and-Enlightening-Advice-About-Home-Values-in-California) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64377/Some-Sobering-Facts-and-Enlightening-Advice-About-Home-Values-in-California#comments-listing) Topics: [Building Insurance](https://www.sutherland-scherff.com/blog/topic/building-insurance), [Home Insurance](https://www.sutherland-scherff.com/blog/topic/home-insurance) ## [A “Storm From Hell” That California Homeowners Should Be Prepared For](https://www.sutherland-scherff.com/blog/bid/63957/A-Storm-From-Hell-That-California-Homeowners-Should-Be-Prepared-For) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 19, 2011 at 8:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462628-jpg/images/fire_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/63957/A-Storm-From-Hell-That-California-Homeowners-Should-Be-Prepared-For) **California** residents can sympathize. Earlier this week, residents of Pawnee County in Oklahoma endured a hellish wildfire that caused at least** one death**, destroyed **40 homes** and did an estimated **$20 Million dollars** worth of physical damage. The emotional toll from this wildfire is incalculable, and we hope all the homeowners involved had adequate [home insurance coverage](https://www.sutherland-scherff.com/personal-insurance/dwelling-fire-copy/). [Read More](https://www.sutherland-scherff.com/blog/bid/63957/A-Storm-From-Hell-That-California-Homeowners-Should-Be-Prepared-For) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63957/A-Storm-From-Hell-That-California-Homeowners-Should-Be-Prepared-For#comments-listing) Topics: [Fire Insurance](https://www.sutherland-scherff.com/blog/topic/fire-insurance), [dwelling fire policy](https://www.sutherland-scherff.com/blog/topic/dwelling-fire-policy) ## [California Life Insurance: Achieve Certainty For Your Loved Ones](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 18, 2011 at 1:38 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462359-gif/images/california_life_insurance-_how_to_achieve_certainty_for_your_loved_ones.gif) ](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) In life, the only certainties are mortality…and uncertainty.  This oxymoronic truth abides with us all.  As **mature California residents**, we understand the natural limits of life.  We also know that there are ways to continue to provide for our families after we are gone.  After all, it is why we invest in [life insurance](https://www.sutherland-scherff.com/personal-lines-copy-0/ca-life-insurance/).  It’s an investment in our family’s future. [Read More](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Life Insurance](https://www.sutherland-scherff.com/blog/topic/life-insurance) ## [Know Your Flood Insurance Inside Out](https://www.sutherland-scherff.com/blog/bid/63888/Know-Your-Flood-Insurance-Inside-Out) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 17, 2011 at 3:17 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462800-png/images/know_your_flood_insurance_inside_out.png) ](https://www.sutherland-scherff.com/blog/bid/63888/Know-Your-Flood-Insurance-Inside-Out) Knowing the finer points of what constitutes [flood insurance](https://www.sutherland-scherff.com/personal-insurance/flood-insurance/) is in your best interest.  As the Associated Press recently reported, the California city of Capitola was denied its claim after properties were damaged during an onslaught of **two flash floods**.  It’s crucial to have a complete understanding of the nuances of your policy or policies. [Read More](https://www.sutherland-scherff.com/blog/bid/63888/Know-Your-Flood-Insurance-Inside-Out) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63888/Know-Your-Flood-Insurance-Inside-Out#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [Flood Insurance](https://www.sutherland-scherff.com/blog/topic/flood-insurance) ## [An Insurance Break For California Earthquake Sufferers](https://www.sutherland-scherff.com/blog/bid/63728/An-Insurance-Break-For-California-Earthquake-Sufferers) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 16, 2011 at 11:06 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13461948-jpg/images/an_insurance_break_for_california_earthquake_sufferers.jpg) ](https://www.sutherland-scherff.com/blog/bid/63728/An-Insurance-Break-For-California-Earthquake-Sufferers) There have been some encouraging developments recently concerning the proliferation of [earthquake insurance](https://www.sutherland-scherff.com/personal-insurance/earthquake/).   The California Earthquake Authority stated that they have taken a step toward diversifying their risk, therefore decreasing any concentrated liability on their part.   What this means for the average consumer is that there will be a greater availability of affordable policies.  In fact, the CEA said that it will **reduce rates by 12%** beginning January 1, 2012.  This is great news in our current economy, where too many families struggle with day-to-day financial uncertainties.  [Read More](https://www.sutherland-scherff.com/blog/bid/63728/An-Insurance-Break-For-California-Earthquake-Sufferers) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63728/An-Insurance-Break-For-California-Earthquake-Sufferers#comments-listing) Topics: [Building Insurance](https://www.sutherland-scherff.com/blog/topic/building-insurance), [Earthquake Insurance](https://www.sutherland-scherff.com/blog/topic/earthquake-insurance) ## [When Fire Strikes, How Can Restaurants Rise From The Ashes?](https://www.sutherland-scherff.com/blog/bid/63552/When-Fire-Strikes-How-Can-Restaurants-Rise-From-The-Ashes) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 15, 2011 at 8:33 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463307-jpg/images/when_fire_strikes%2c_how_can_restaurants_rise_from_the_ashes.jpg) ](https://www.sutherland-scherff.com/blog/bid/63552/When-Fire-Strikes-How-Can-Restaurants-Rise-From-The-Ashes) With the very nature of a restaurant business comes the risk of fire. Unfortunately, many restaurants fall victim to fires and can sustain extreme damage and loss. We hear about these events every day in the** insurance industry** and they only prove how vital the partnership between a **restaurant owner and their insurer is.** [Read More](https://www.sutherland-scherff.com/blog/bid/63552/When-Fire-Strikes-How-Can-Restaurants-Rise-From-The-Ashes) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63552/When-Fire-Strikes-How-Can-Restaurants-Rise-From-The-Ashes#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [restaurant insurance](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) ## [How Can California Drivers Get Protection From Uninsured Motorists?](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 12, 2011 at 9:14 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462762-jpg/images/how_can_california_drivers_get_protection_from_uninsured_motorists.jpg) ](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) **Uninsured motorist insurance** is a topic that raises a lot of questions. In California, almost one in every three drivers is uninsured or inadequately insured. An uninsured or underinsured motorist causes almost one in every two collisions. In addition to not being properly insured, uninsured motorists tend to drive unsafe cars, neglect maintenance and are found to be the least careful drivers on the road. [Read More](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [Why Use an Insurance Broker?](https://www.sutherland-scherff.com/blog/bid/63142/Why-Use-an-Insurance-Broker) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 11, 2011 at 12:39 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463313-jpg/images/why_use_a_broker.jpg) ](https://www.sutherland-scherff.com/blog/bid/63142/Why-Use-an-Insurance-Broker) There is a very simply answer to the question, ‘why use a broker?’ And the simple answer is because it makes life easier. [Read More](https://www.sutherland-scherff.com/blog/bid/63142/Why-Use-an-Insurance-Broker) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63142/Why-Use-an-Insurance-Broker#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance) [Previous](https://www.sutherland-scherff.com/blog/author/susie-scherff/page/2) [All posts](https://www.sutherland-scherff.com/blog/all) [Next](https://www.sutherland-scherff.com/blog/author/susie-scherff/page/4) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - [Business Insurance (28)](https://www.sutherland-scherff.com/blog/topic/business-insurance) - [Auto Insurance (22)](https://www.sutherland-scherff.com/blog/topic/auto-insurance) - [restaurant insurance (22)](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) - [Home Insurance (17)](https://www.sutherland-scherff.com/blog/topic/home-insurance) - [Building Insurance (12)](https://www.sutherland-scherff.com/blog/topic/building-insurance) - 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