Carmel Curiel Larios

October is here! 🍂✨A perfect time to embrace crisp air, cozy vibes, and fall flavors. ☕🍁 With spooky season around the corner—and new routines settling in—let’s get excited for fresh goals, fun learning, and all the adventures ahead! 🎃📚🌟

Regular Office hours: Monday to Thursday 9:00am to 5:30pm and Friday 9:00am to 4:00pm, 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 has MOVED to 1400 N Dutton Ave. #9, Santa Rosa, Ca. 95401.

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!

October is here! 🍂✨ October Awareness: Breast Cancer Awareness + Life Insurance Awareness (and Fall Safety Smarts) 🎗️🍂👻

This month is extra meaningful for two reasons:

🎗️ Breast Cancer Awareness Month Supporting early detection and showing up for the people we love. If you’d like to share resources or learn about local support, we’re happy to point you in the right direction.

👤 Life Insurance Awareness Month Because life changes fast—new goals, growing families, buying a home, or simply planning for what comes next. Life insurance can help protect the people who rely on you.

At the same time, October’s fall weather and seasonal activities can bring new day-to-day risks—so it’s a great time to do a quick check-in for home, auto, and coverage.

Why October Safety Matters (Especially for Insurance)

Even when you’re careful, October can include the “unexpected moments,” like:

• More evening driving with earlier darkness and low visibility

• Trick-or-treat traffic and pedestrians near driveways and sidewalks

• Home hazards from fall décor, candles, heaters, and indoor fall clutter

• Travel/rideshare/family gatherings that increase the number of trips and unpredictability

• And on the life-planning side—the right life insurance coverage can help protect loved ones if the unthinkable happens

This October: Simple Steps to Stay Safer (Home + Vehicle + Future)

1) Fall + Halloween Safety (Let’s Make It Fun and Safer) 🎃🚗

As kids head out and evenings get darker:

• Use lights and stay visible—drive with headlights on when visibility drops

• Slow down near neighborhoods and watch for kids crossing between parked cars

• Keep glow/reflective items on kids (and adults) for better visibility

• Explore costumes safely: face coverings should allow clear sight; avoid trailing fabric

• Trick-or-treat in a group and set a clear meetup plan with family

Coverage note: If costumes, phones, or gifts are stolen/damaged, having the right renters/home coverage (or reviewing it) can make a difference.

2) Seasonal Home Safety Check (Candles, Heat, and Slip Hazards) 🏠🍁

In October, more time indoors often means more safety opportunities:

• Replace furnace/space heater filters (and keep items away from heaters)

• Test smoke alarms and carbon monoxide alarms

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

• Check outdoor steps/handrails—especially with wet leaves or uneven surfaces

• If you use candles or décor with open flames, keep them attended and stable

3) Fall Readiness for Your Family (Quick Preparedness Routine)

California families may see wildfire smoke, power interruptions, and changing weather. Consider:

• Review your emergency plan (where to meet, who to call, how to check in)

• Update your emergency kit (batteries, water, medications, copies of important info)

• Keep important documents accessible (paper copies or a safe digital plan)

4) Life Insurance Awareness: Take a “Protection Fit” Look 👤✅

Life insurance isn’t just for one moment—it’s for the plans your family depends on.

Consider asking us:

• Do you have enough coverage if your income or support disappears?

• Would coverage help with debt, childcare, housing expenses, or future goals?

• Have there been life changes since your last review? (marriage, new baby, career change, moving)

If you already have a policy, a quick review can confirm it still matches where life is taking you.

Want a Coverage Check-Up?

If you’d like, stop by or call to review what you have and make sure it fits your life—especially as October routines, weather, and priorities shift. 📞🧡