Tavares Insurance Services

Tavares Insurance Services Auto/Home/Life/Commercial

11/19/2022

Hello Everyone,
After attending several weddings over the last twelve months.
Congratulations to all the couples, you know who you are.
That being said, as we attend these weddings and being reminded
more often than not , well after the fact of my young couples tying You ask why is this important !
A few different reasons, but best reason is keeping more of your insurance premium in your pocket.
Yes, you receive better rates on both homeowners and especially
auto.
So if your recently married and you have not contacted your agent/broker, you should.
That being said, we love young couples because we take the extra time to explain coverage and shop for their best rates available to us.
If you find yourself shopping for better rates or you just want to combine your coverage with your fiance or with your spouse, please keep us in mind.
Regards, Orlando Tavares

02/06/2020

Going through really tough phone issues.
Direct line use 925-239-8825
Cell 925-871-9429
Thank you, O Tavares

12/12/2019

eceived some good news today.
We are all being impacted by California's wild fires (if your a homeowners). And its become increasingly difficult to place coverage if your home is located in a brush exposure area.
Its not just what you believe or think, we have many local residential neighborhoods that fit the exposure.
So back to the good news, if your homeowners insurance either non-renews or increases your rates, we have been notified that additional carriers are coming into the California market for us to rate through.
Please keep us in mind for your insurance needs.
O. Tavares
Tavares Insurance Services

12/12/2019

Received some good news today.
We are all being impacted by California's wild fires (if your a homeowners). And its become increasingly difficult to place coverage if your home is located in a brush exposure area.
Its not just what you believe or think, we have many local residential neighborhoods that fit the exposure.
So back to the good news, if your homeowners insurance either non-renews or increases your rates, we have been notified that additional carriers are coming into the California market for us to rate through.
Please keep us in mind for your insurance needs.
O. Tavares
Tavares Insurance Services

Is your teen koalafied to drive? Find out and learn more about your state's graduated driver licensing (GDL) laws.
10/25/2019

Is your teen koalafied to drive? Find out and learn more about your state's graduated driver licensing (GDL) laws.

Before beginning practice driving, parents should make sure that their teens know their state GDL laws and how to follow them for safety.

Teaching good driving habits begins with being a good role model. Use this guide to inspire confidence in the newest dri...
10/25/2019

Teaching good driving habits begins with being a good role model. Use this guide to inspire confidence in the newest driver in the house and ensure solid driving skills.

Teen Driver Education 101: How To Teach Good Driving Habits March 26, 2019 • teendriveadmin For parents who have been seasoned drivers for quite some time, the idea of teaching a teen to drive may seem like a tall task. Between teaching new drivers about the rules of the road, the meaning of road ...

Distracted driving is the cause of more than half of teen crashes – many of them fatal. Understand what causes distracte...
10/23/2019

Distracted driving is the cause of more than half of teen crashes – many of them fatal. Understand what causes distracted driving and how to talk to your teen about it to keep them 100% focused while behind the wheel.

Distracted driving definition, examples, and stats. Teen distracted driving. How does distracted driving affect car insurance? What you need to know.

Being the parent of a new teen driver is stressful! Here's a look at how teens drive today and the risks they face so yo...
10/22/2019

Being the parent of a new teen driver is stressful! Here's a look at how teens drive today and the risks they face so you can promote safer driving habits with them.

Motor vehicle crashes are the leading cause of death among teens according to the Centers for Disease Control’s Teen Driver Fact Sheet. According to the National Highway Traffic Safety Administration, 1,830 drivers between the ages of 15 to 20 died in motor vehicle crashes in 2017, down 4 percent ...

Teens and bad driving: they just don't click! October 20-26, 2019, is  ! This week – and every week – talk to your teen ...
10/21/2019

Teens and bad driving: they just don't click! October 20-26, 2019, is ! This week – and every week – talk to your teen about dangers for teen drivers, the rules of the road and how to stay safe behind the wheel of a car.

National Teen Driver Safety Week is October 20-26, 2019This week - and every week, parents should have conversations with their teens about the important rules they need to follow to stay safe behind the wheel of a motor vehicle. These rules address the greatest dangers for teen drivers: alcohol, in...

01/22/2019

Six easy prevention tips for homeowners

Know where the main water valve is located so it can be shut it off quickly in case of an emergency.

Monitor the water bill. A bigger water bill may indicate a water leak exists.

Replace the rubber hoses on washing machines, dishwashers and other water-related appliances periodically. Steel-braided hoses increase durability and longevity.

Test sump pumps at least once per year. If the pump doesn't have an alternate power source, add a battery backup or upgrade to a
pump with a water-powered backup.

Clean gutters and downspouts regularly to ensure water moves through them properly and drains away from the home's foundation.

Inspect the water heater annually for signs of corrosion or leaks. Aging water heaters can weaken over time, increasing their
likelihood of rupturing.

01/07/2019

Smart Home Product Security Risks Can Be Alarming

Say you’re on your laptop at Starbucks, minding your own business, when an acquaintance of yours across the room isn’t minding his.

Unbeknownst to you, he’s using the same store Wi-Fi as you to conduct a virtual invasion of your smart home: accessing your light switch app and using it to disable your home’s security camera so real thieves can break in – or walk in, if he’s disabling the smart lock, too.

And you’re none the wiser – until you get home and discover your home’s been hacked. And burgled.

This is just one scenario demonstrating one of many inherent flaws that computer scientists at the College of William and Mary discovered in internet-connected smart home devices during tests they conducted over the summer.

This particular flaw allows hackers to attack a smart home’s low-security device – a light switch or thermostat, for instance – and use that access to attack a high-security device they could not otherwise access.

It’s one example of what’s called lateral privilege escalation, and experts warn that such smart home hacks are easier than you might think. They can lead to all kinds of potential mischief, if not outright harm, from switching off your security system to cranking up your smart oven until it overheats and burns the house down.

“The possibilities are limitless,” said Adwait Nadkarni, lead investigator and assistant professor of computer science. “There are so many devices in the home that affect your security, affect the integrity of your home.”

Experts say that in just two years there will be 20 billion smart home products in use.

“You can imagine the possible combinations of these kinds of attacks will obviously increase as we’ll have more interconnected devices,” said associate professor Denys Poshyvanyk. “At this point, it’s hard for us to imagine what else people will do.”

Nadkarni and Poshyvanyk co-authored a paper on their work that they’ll present at the 9th annual ACM Conference on Data and Application Security and Privacy in Dallas in March. Student co-authors include Kaushal Kafle and Sunil Manandhar and post-doctoral fellow Kevin Moran.

In the paper, they lay out the potential misuses of the computer routines or portions of code that control smart home products and offer 10 key findings with “serious security implications.”

“The diversity of these products is staggering,” the paper states, “ranging from small physical devices with embedded computers such as smart locks and light bulbs to full-fledged appliances such as refrigerators and HVAC systems.”

And the risks, it states, can be rather alarming.

“Because many of these products are tied to the user’s security or privacy (e.g., door locks, cameras), it is important to understand the attack surface of such devices and platforms in order build practical defenses without sacrificing utility.”

For their research, Nadkarni and Poshyvanyk focused on two of the most popular smart home platforms – Google Nest and Philips Hue – that implement home automation “routines.”

Routines are the interactions between smart home devices and the apps that control them. They are becoming the heart of seamless home automation.
Two Routines

According to the paper, there are two broad categories of routines: one that allows users to “chain together” a variety of devices using a third-party app interface, and one that uses a “centralized data store” as a sort of switchboard where devices and apps can communicate with each other over the internet.

Both are intended to make smart home automation more seamless for the user, and both were found to be vulnerable, giving hackers the ability to attack all the internet-connected devices in the home.

For the centralized data store platform, for instance, when you use your mobile app to communicate with a low-security device – say, a light switch – the device accesses your smart home using an authorization token.

“Anybody can steal that access token,” Nadkarni said, and use it to, say, make your smart home think you’re inside and turn off the security camera.

The scientists insist it’s not that hard.

“You don’t need any specialized education,” said Poshyvanyk. ‘You just need to know how to run certain programs. Even a high schooler could do that.”

They blame the vulnerabilities on consumer demand and the headlong rush to meet it.

“Manufacturers race to release these systems without having a good understanding of how they will be used in the wild,” Poshyvanyk said.

After the researchers identified the security flaws, they contacted platform vendors Google and Philips and app developer and manufacturer TP Link to report what they found.

TP Link fixed the flaw in its latest Kasa Switch light dimmer app, which prevents the type of theoretical lateral attack outlined earlier. Philips is expected to roll out a fix to its platform and Google is working to address vulnerabilities.

But the issue is bigger than one company – it’s the industry overall that needs to get smarter.

“We’re basically arguing that we need a systemic effort in terms of properly designing these systems with security in mind,” Poshyvanyk said.

“Because these problems will get worse with time. More devices will be added. (If) they’re not thinking about designing in security in the first place, we’re going to be having even bigger problems down the road.”

Address

233 Junction Avenue Suite B
Livermore, CA
94551

Opening Hours

Monday 9:30am - 6pm
Tuesday 9:30am - 6pm
Wednesday 12am - 5:30am
9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+19254633003

Alerts

Be the first to know and let us send you an email when Tavares Insurance Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share