Imagine this: it’s the middle of the night and you’re jolted awake by the piercing sound of your smoke alarm. The air is thick with smoke—the pan of cinnamon apple slices left on the stove has caught fire. Thankfully, you checked your smoke alarms last week and replaced the batteries last month. Your preparation helped save your home—and your life.

Self-driving cars are no longer just science fiction — they’re here, they’re learning, and sometimes, they’re even better at parallel parking than we are. (Hey, no judgment.) But when an autonomous car is involved in an accident, one big question remains: who’s footing the bill?Let’s dive into what self-driving technology means for insurance — and what drivers, manufacturers, and insurers all need to know.

California’s New Fire Hazard Maps Are Out—Is Your Home Now at Risk?After more than a decade, California has released updated Fire Hazard Severity Zone (FHSZ) maps—and they’re raising eyebrows across the state.CAL FIRE’s revamped maps now classify approximately 6.8 million acres of land as being in fire hazard zones. In Los Angeles County alone, more than 440,000 acres were added to fire-prone areas, a 30% jump that includes more than 1.2 million acres now marked as Very High Fire Hazard Severity Zones.If you own a home in or near a wildland area, these updates could directly impact your insurance, your safety—and your peace of mind.

Imagine this: Four individuals armed with a bear costume stage “bear attacks” on their luxury cars in a bizarre attempt to deceive their insurance companies. Sadly, some folks take a walk on the wild side for a bit of cash. The insurance world has seen its share of oddities, but this one truly takes the cake—or maybe the honey.

At Schaub Insurance Agency, we know that protecting your business is about more than having a policy—it’s about understanding the risks that can arise and having the right coverage to mitigate them. Recently, a report by Law.com and VerdictSearch highlighted some of the most significant business insurance claims in the U.S. These cases serve as powerful reminders of the importance of proactive risk management and tailored insurance solutions. Here, we provide a summary of a few of these landmark cases.

The holidays are all about joy, but let’s face it—things don’t always go as smoothly as planned. From wayward decorations to accidental mishaps, the season can bring its share of surprises. But don’t worry—Schaub Insurance Agency has you covered, offering peace of mind and a bit of humor to alleviate stress during this busy time of year. Here are a few common holiday situations and how your coverage can protect what matters most.

Ah, the holidays. A special time to gather with loved ones and celebrate age-old traditions. But let’s not allow the festivities distract us from essential safety measures! From cooking to decorating, many potential hazards can arise. Let’s explore precautions to take in every area, so you can be sure your holidays are as safe as they are joyful.

As we celebrate the legendary time travels of Marty McFly and Doc Brown, it’s a great opportunity to reflect on how our insurance needsmight evolve over time. But what if you could hop into a time-traveling DeLorean, zoom ahead to your future, and figure out exactly what insurance coverage you’ll need today?

Living in Southern California means being aware of the unique risks we face, such as earthquakes, wildfires, and the growing threat of floods. September is National Preparedness Month, making it an ideal time to assess how prepared you and your loved ones are for the natural disasters common to our region. Schaub Insurance Agency, Inc. is here to guide you through the essential steps to safeguard your family, home, and community.

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Whether you are starting a new business, or have been an owner for many years, commercial insurance is one of the most critical investments you can make. Operating a business comes with various risks, and without the right insurance, a significant financial loss can have a devastating impact.

We are so thrilled to announce that we have won the 2024 Best of North County Insurance Company contest! This contest was decided based on daily voting from those that know and have worked with us over the years!! We are humbled and grateful to have been selected, and look forward to serving all of you in the best ways we can!!

As Wildfire Awareness Month comes to a close, it’s essential to take proactive steps to protect your home and loved ones from the increasing threat of wildfires. At Schaub Insurance Agency, Inc., we believe in empowering our customers with the knowledge and resources needed to stay safe and minimize the risk of fire damage.

In 2018, I was the last finisher at the REVEL Mt Charleston Marathon — 45 minutes past the course cutoff, and after multiple attempts to pick me up in the “sag wagon”. Rather than viewing this as a defeat, I embraced it as a pivotal motivational moment. This year, I returned with an ambitious goal: not just to avoid last place, but to finish in under 6 hours!

As the state grapples with persistently high temperatures this summer, the risk of wildfires remains a pressing concern. Commissioner Lara's first-in-the-nation Safer from Wildfires regulations offer a multi-tiered strategy for bolstering wildfire resilience. The initiative comprises 10 comprehensive actions distributed across three layers of protection: structural measures, immediate vicinity safeguards, and community-wide strategies.

I can’t believe I have to do this P.S.A. for San Diego, but here I go…. in preparation of the first hurricane to hit our region in decades, please prepare NOW.

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A new facebook group to connect California Women Business Owners.

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The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).

Important information about things you can do right now regarding COVID-19!

With area school closures, our office staff will be working remotely, with infrequent in person office hours. Read for more info.

How might insurance coverage respond to coronavirus COVID-19?

A man has been arrested on suspicion of fraud after he was caught on surveillance camera throwing ice on the floor and apparently faking a fall in order to make a false insurance claim.

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We're growing! Join our team as an insurance customer service representative! Primary focus will be in personal lines, with growth potential to commercial lines. Read on for more details.

The new January 2019 is here! Learn about recent insurance news and agency successes.

Workers’ compensation insurance is a safety net for employees who are injured on the job, as well as for their employers. It pays for lost wages, medical expenses and other expenses and benefits incurred by an injured worker. Sometimes, however, unethical employers, workers and medical providers attempt to bilk the system. The National Insurance Crime Bureau estimates that one in 10 of all property/casualty insurance claims are fraudulent.

Wildfires can pose particular dangers to both lives and property because they often begin unnoticed and can spread quickly. According to the Insurance Institute for Business & Home Safety (IBHS)¹, windborne embers present a significant threat from wildfires and are the primary cause of most building ignitions. Other wildfire threats include radiant heat and direct flame contact. If you live in an area prone to wildfires, you can help keep yourself, your family and your property safe by taking steps to reduce your risks.