Carmel Curiel Larios

September is here! 🍂✨

September is here—a perfect time to welcome cooler days, grab cozy flavors, and enjoy a fresh start. ☕🍁 With the new school season in full swing, let’s get excited for new classes, new goals, and all the learning adventures ahead! 📚🌟

Regular Office hours: Monday to Thursday 9:00am to 5:30pm and Friday 9:00am to 4:30pm, We have Evening & Weekend available by appointment only. Our phones are forwarded at 5pm our after-hours team will take your call after that time. We have exciting news! Our office will be moving this month to 1400 N Dutton Ave. #9, Santa Rosa, Ca. 95401. We should be all moved in by the 1st of October! Also Please note that we will be CLOSED Monday 9/7/26 for Labor Day!

For roadside assistance please call 18776275757, for our Claims department please call 18552598568, to make a payment please do so over the phone by calling 18007828332.

We are currently writing Motorcycle insurance, Auto insurance, Car insurance, Pet Insurance, Life insurance, & Disability insurance. We are NOT able to write new, Renters, Home, Condo or Business insurance currently in the state of California.

Protecting Sonoma County for Over 24 Years – Insurance Made Personal

Protecting Sonoma County for over 24 years, we’re proud to serve individuals and families throughout Santa Rosa with insurance that’s personal, straightforward, and built around real life. Whether you’re relocating to California or reviewing your coverage, our knowledgeable, friendly team is here to help you feel confident in the choices you’re making.

We currently provide Auto insurance and Motorcycle insurance to help protect what gets you where you need to go, along with Life insurance and Disability insurance to support your long‐term financial well-being. At this time, we are not able to write new Renters insurance, Homeowners insurance, Condo insurance, or Business insurance policies in the state of California, and we believe being clear about availability is important to serving you well.

With five generations of local roots, our connection to Santa Rosa and the greater Sonoma County community runs deep. We’re licensed Life and Auto Insurance agents, and we take pride in serving our neighbors with care, consistency, and integrity. Giving back matters to us; we actively support the Redwood Food Bank and youth programs at Piner High School because strengthening our community goes beyond insurance policies.

We also offer support in both English and Spanish, making it easier for more families across Sonoma County to understand their coverage and feel comfortable asking questions. When you work with us, you’re not just getting a policy—you’re getting a team that listens, explains, and stays involved long after the paperwork is done.

If you’re looking for guidance or a personalized quote, we invite you to stop by our Santa Rosa office or reach out to connect with our team!

September is National Preparedness Month, a great reminder to take a few simple steps now so you’re ready when emergencies happen. In California, that can mean planning for earthquakes, extreme weather, power outages, and wildfires. Consider building or updating an emergency kit, reviewing your family’s communication plan, and making sure your important documents are stored safely and accessible. Taking a little time this month can help you stay calmer and more prepared if the unexpected occurs—at home, at work, or on the road.

September Awareness: Back-to-School Routines + Early Fall Safety Smarts

September is when everything starts settling into a new rhythm—new classes, after-school activities, fall sports, and cooler evenings. It’s a great month for growth and getting organized, but it also brings some seasonal risks worth thinking about:

• More kids on the move (walking, biking, waiting for rides)

• More traffic around school zones during pick-up and drop-off

• Earlier darkness and heavier evening commuting

• Rainy days and slick roads as the weather shifts

• New fall gear (sports equipment, bikes, and tech for homework)

Let’s keep things fun—and reduce the risk—as September gets underway.

Why September Safety Matters (Especially for Insurance)

Even when you’re careful, accidents can still happen. September often includes car incidents, slips and falls at home or during school events, sports-related injuries, and damage or theft of backpacks and electronics. A quick look at what you own and how you live can help you respond faster and recover more smoothly if something unexpected occurs.

This September: Simple Steps to Stay Safer

1) Back-to-School + After-School Safety (Let’s Keep Everyone Moving Smart)

As routines settle, focus on the moments that matter most:

• Follow school zone speed limits and slow down earlier than you think you need to

• Be extra cautious in drop-off lanes (watch for kids stepping out between vehicles)

• Visibility matters: use lights when needed and stay alert, especially in early darkness

• Remind kids about crosswalk and bus stop safety—look both ways and cross only at designated areas

• Bike and scooter safety: helmets every time

Privacy tip: When sharing school or team photos, consider avoiding identifiable location details (such as school names/signage or clearly visible location markers in the background).

2) Early Fall Weather Readiness (Rain + Slick Roads)

September weather can change quickly, making roads less predictable:

• Increase following distance in wet conditions

• Check wipers, headlights, and tire tread

• Watch for leaves and debris near sidewalks and driveways

• Reduce distractions in the evening—phone away, smoother driving, and more attention to surroundings

3) Home Safety Check for Back-to-Routine Season

With more time spent at home (and more hosting during school nights and games), September is a smart month for quick prevention:

• Test smoke alarms and carbon monoxide alarms

• Secure ladders/tools and keep walkways clear to reduce trips and falls

• Check outdoor lighting near steps, doorways, and garage entrances

• If you use grills or outdoor fire pits, make sure equipment is ready and fuel is stored safely

4) Review Coverage Before Fall Costs Add Up

School and sports gear can change what you need covered. Consider asking:

• Are you protected for laptops, tablets, phones, and other school tech if they’re damaged or stolen?

• Have you added bikes, sports equipment, musical instruments, or upgraded devices recently?

• If fall routines mean more hosting, more visitors, or more activities at home, does your liability coverage still fit your life?

A quick coverage check-up can help ensure you’re not surprised later.

Quick Safety Reminders (Simple Wins)

For Home: secure tools/outdoor items, keep trip hazards out of pathways, and test alarms. For Vehicle: slow in school zones, use lights when visibility drops, and check tires and wipers. For Kids/Teens: helmets, seat belts every ride, hydration, and crosswalk awareness.

Want a Coverage Check-Up? Call Us

September is a great time to review your auto, home, renters, and other coverage—especially with school starting, new activities, and shifting weather.

If you’d like us to review your coverage and make sure it fits what’s happening in your life, we’re here to help.