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	<title>Hebard Higby Insurance Accounting &#38; Tax</title>
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	<description>Hebard Higby Insurance Accounting &#38; Tax - We&#039;ve Got You Covered</description>
	<lastBuildDate>Fri, 13 Jan 2012 19:44:06 +0000</lastBuildDate>
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		<title>Hebard Higby Insurance Accounting &#38; Tax</title>
		<link>http://hebardhigby.wordpress.com</link>
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		<title>Networking with BNI Rocklin Founders</title>
		<link>http://hebardhigby.wordpress.com/2012/01/13/networking-with-bni-rocklin-founders/</link>
		<comments>http://hebardhigby.wordpress.com/2012/01/13/networking-with-bni-rocklin-founders/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 19:44:05 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Community Events]]></category>
		<category><![CDATA[BNI]]></category>
		<category><![CDATA[BNI Rocklin Founders]]></category>
		<category><![CDATA[Networking]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=59</guid>
		<description><![CDATA[Are you interested in growing your business in 2012?  Then you can&#8217;t afford to miss this free business networking opportunity! Please join us for our visitors day and find out how we can help your business grow: Placer County Events Center (PCAR Building) 4750 Grove Street Rocklin, CA  95677 Thursday, January 19th at 7:00am to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=59&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Are you interested in growing your business in 2012?  Then you can&#8217;t afford to miss this free business networking opportunity!</p>
<div id="attachment_60" class="wp-caption alignright" style="width: 305px"><a href="http://hebardhigby.files.wordpress.com/2012/01/bni_logo.jpg"><img class="size-full wp-image-60" title="bni_logo" src="http://hebardhigby.files.wordpress.com/2012/01/bni_logo.jpg?w=600" alt="BNI Rocklin Founders Networking Group"   /></a><p class="wp-caption-text">Join our Rocklin Founders BNI Networking Group</p></div>
<p>Please join us for our visitors day and find out how we can help your business grow:</p>
<p>Placer County Events Center (PCAR Building)<br />
4750 Grove Street<br />
Rocklin, CA  95677</p>
<p>Thursday, January 19th at 7:00am to 8:30am</p>
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		<title>Hebard Higby Sponsors 17th Annual Cowpoke Fall Gathering</title>
		<link>http://hebardhigby.wordpress.com/2012/01/13/hebard-higby-sponsors-17th-annual-cowpoke-fall-gathering/</link>
		<comments>http://hebardhigby.wordpress.com/2012/01/13/hebard-higby-sponsors-17th-annual-cowpoke-fall-gathering/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 19:25:23 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Community Events]]></category>
		<category><![CDATA[Cowpoke Fall Gathering]]></category>
		<category><![CDATA[Cowpoke Poetry]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=53</guid>
		<description><![CDATA[Cowpoke Fall Gathering is a celebration of western folklore through Cowboy Poetry, Music and Storytelling!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=53&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Cowpoke Fall Gathering is a celebration of western folklore through Cowboy Poetry, Music and Storytelling!</p>
<div id="attachment_54" class="wp-caption alignleft" style="width: 310px"><a href="http://hebardhigby.files.wordpress.com/2012/01/cowpoke_poetry.jpg"><img class="size-medium wp-image-54" title="cowpoke_poetry" src="http://hebardhigby.files.wordpress.com/2012/01/cowpoke_poetry.jpg?w=300&#038;h=213" alt="Hebard Higby Sponsor Cowpoke Fall Gathering" width="300" height="213" /></a><p class="wp-caption-text">Chris Hebard and Sabrina Higby</p></div>
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		<title>Chris Hebard,Sabrina Higby and the Loomis Chamber welcome The Horse &amp; Buggy Antique Consignment Store</title>
		<link>http://hebardhigby.wordpress.com/2011/11/14/37/</link>
		<comments>http://hebardhigby.wordpress.com/2011/11/14/37/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 23:13:39 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Community Events]]></category>
		<category><![CDATA[Chris Hebard]]></category>
		<category><![CDATA[Loomis Chamber]]></category>
		<category><![CDATA[Sabrina Higby]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=37</guid>
		<description><![CDATA[“Sabrina and Chris joined the Loomis Basin Chamber of Commerce in welcoming The Horse &#38; Buggy Antique Consignment Store.  Cindy Peterson celebrated the grand opening of her new shop at 3793 Taylor Road in Loomis, right across the street from High Hand Nursery and Café.  Stop by and browse her unique collection of merchandise”<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=37&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://hebardhigby.files.wordpress.com/2011/11/2011-ribbon-cutting-horse-buggy-0241.jpg"><img class="aligncenter size-medium wp-image-38" title="2011 Ribbon Cutting Horse &amp; Buggy 024(1)" src="http://hebardhigby.files.wordpress.com/2011/11/2011-ribbon-cutting-horse-buggy-0241.jpg?w=300&#038;h=225" alt="" width="300" height="225" /></a></p>
<p>“Sabrina and Chris joined the Loomis Basin Chamber of Commerce in welcoming The Horse &amp; Buggy Antique Consignment Store.  Cindy Peterson celebrated the grand opening of her new shop at 3793 Taylor Road in Loomis, right across the street from High Hand Nursery and Café.  Stop by and browse her unique collection of merchandise”</p>
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			<media:title type="html">2011 Ribbon Cutting Horse &#38; Buggy 024(1)</media:title>
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		<title>Send us referrals and we will send you Starbucks!</title>
		<link>http://hebardhigby.wordpress.com/2011/10/27/send-us-referrals-and-we-will-send-you-starbucks/</link>
		<comments>http://hebardhigby.wordpress.com/2011/10/27/send-us-referrals-and-we-will-send-you-starbucks/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 20:56:03 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Refferals]]></category>
		<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Hebard Higby]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[Starbucks]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=29</guid>
		<description><![CDATA[Introducing our new referral program!  Refer us to a friend, family member, or co-worker and for every quote we receive you will get a $10.00 Starbucks Gift Card. Please make sure that they mention your name so that we can mail your gift card to you right away. Have them call us at (916) 652-0404 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=29&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://hebardhigby.files.wordpress.com/2011/10/starbucks_card.gif"><img class="alignleft size-medium wp-image-30" title="starbucks_card" src="http://hebardhigby.files.wordpress.com/2011/10/starbucks_card.gif?w=300&#038;h=185" alt="" width="300" height="185" /></a>Introducing our new referral program!  Refer us to a friend, family member, or co-worker and for every quote we receive you will get a $10.00 Starbucks Gift Card.</p>
<p>Please make sure that they mention your name so that we can mail your gift card to you right away.</p>
<p>Have them call us at (916) 652-0404 today for a free no obligation Auto or Homeowner&#8217;s Insurance quote and start enjoying the benefits of our new referral program.</p>
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		<title>What health insurance plan is right for you?</title>
		<link>http://hebardhigby.wordpress.com/2011/10/20/what-health-insurance-plan-is-right-for-you/</link>
		<comments>http://hebardhigby.wordpress.com/2011/10/20/what-health-insurance-plan-is-right-for-you/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 01:13:33 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Dr]]></category>
		<category><![CDATA[Health Plan]]></category>
		<category><![CDATA[Hebard Higby]]></category>
		<category><![CDATA[Physician]]></category>
		<category><![CDATA[Referal]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=22</guid>
		<description><![CDATA[When considering health insurance, there are a few things you need to consider: Will you have access to your doctor?  Can you self refer, or do you need to see a primary care physician before seeing a specialist?   Does it cover generic and brand name prescriptions? What are your annual out of pocket costs?  What’s [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=22&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:left;"><a href="http://hebardhigby.files.wordpress.com/2011/10/health_plans.jpg"><img class="size-full wp-image-23 aligncenter" title="What health insurance plan is right for you?" src="http://hebardhigby.files.wordpress.com/2011/10/health_plans.jpg?w=600" alt="Health Insurance with Hebard Higby"   /></a>When considering health insurance, there are a few things you need to consider: Will you have access to your doctor?  Can you self refer, or do you need to see a primary care physician before seeing a specialist?   Does it cover generic and brand name prescriptions? What are your annual out of pocket costs?  What’s your budget?</p>
<p>These are all very important questions, when selecting a plan.  With the rising cost of insurance, it’s important to select a plan that is right for you and your budget.   Why pay for a health plan that has all the bells and whistles, when you are healthy and rarely go to the doctor?</p>
<p>There are so many options out there, and it can be very overwhelming.  We are here to help you sort through those options, and find the right health insurance plan that meets both, your needs and your budget.  Please give our office a call and let us help you find the right health insurance plan for you and your family.</p>
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		<title>Why isn&#8217;t my water damage covered?</title>
		<link>http://hebardhigby.wordpress.com/2011/10/19/why-isnt-my-water-damage-covered/</link>
		<comments>http://hebardhigby.wordpress.com/2011/10/19/why-isnt-my-water-damage-covered/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 15:37:01 +0000</pubDate>
		<dc:creator>hebardhigby</dc:creator>
				<category><![CDATA[Water Damage]]></category>
		<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Dishwasher]]></category>
		<category><![CDATA[Dry rot]]></category>
		<category><![CDATA[Gutters]]></category>
		<category><![CDATA[Mold]]></category>
		<category><![CDATA[Vacation]]></category>

		<guid isPermaLink="false">http://hebardhigby.wordpress.com/?p=7</guid>
		<description><![CDATA[Dry rot or mold due to persistent water leaks over time (more than 14 days) is not covered under your homeowner&#8217;s insurance policy.  Even a small leak can become a major problem, so knowing what you&#8217;re covered for and how to prevent water damage are equally important.  I&#8217;ve listed a few tips to help uncover [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hebardhigby.wordpress.com&amp;blog=28592706&amp;post=7&amp;subd=hebardhigby&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://hebardhigby.files.wordpress.com/2011/10/water_damage1.jpg"><img class="alignright size-medium wp-image-11" title="Why isn't my water damage covered?" src="http://hebardhigby.files.wordpress.com/2011/10/water_damage1.jpg?w=300&#038;h=200" alt="Hebard Higby Expert Water Damage Advise" width="300" height="200" /></a>Dry rot or mold due to persistent water leaks over time (more than 14 days) is not covered under your homeowner&#8217;s insurance policy.  Even a small leak can become a major problem, so knowing what you&#8217;re covered for and how to prevent water damage are equally important.  I&#8217;ve listed a few tips to help uncover potential water damage down the road which will save you bucket loads of money down the road.</p>
<ul>
<li>Check appliance hoses, replace rubber hoses with steel braided hoses.</li>
<li>Broken tiles in the shower can allow water to get into the walls and floors, replace tile and re-grout regularly.</li>
<li>When on vacation, turn the water supply to your house off.</li>
<li>Keep gutters cleaned and storm drains clear of debris.</li>
<li>Run your dishwasher and washing machine only when you are home.</li>
</ul>
<p>If you have any questions or you&#8217;d like a quote please give us a call (916) 652-0404</p>
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