Time to Ride!
Whether you are a trail rider, farmer or just use your ATV for pleasure on your own property, it is important to understand how to properly insure your ATV. If you ride off your property, your homeowners or renters insurance may not be sufficient. You may need a policy designed specifically for recreational vehicles. Let us explain the coverage options for your ATV. We are here to help you. Talk to us today to review your current policy or to get a quote!...
Read MoreScheduled Personal Property
What is Scheduled Personal Property? Your personal property are the items that you own such as furniture, clothing, and electronics. Although a standard homeowner’s insurance policy will generally cover these items, you need to be aware of limits within your policy for items such as jewelry, guns, and a coin collection. If you want additional coverage for these items, you need to schedule them on your policy. To schedule your items, you will need to provide evidence of their value such as an appraisal or receipt. In addition to establishing a value for your personal property, by scheduling these items you also get broader coverage. For example, scheduled jewelry may be covered for accidental loss of a diamond falling out of your wedding ring. This is not something that is usually covered under a standard homeowner’s policy. Contact us to find out more about scheduling personal...
Read MoreInsuring your boat
Going to a Boat Show? What you need to know about insuring a boat. There are several coverages to consider when insuring your boat. First is liability insurance. If you are found at fault in an accident, you could be held liable for injuries caused to others or for repairing damage caused by the accident. Watercraft liability helps protect you from paying medical expenses, loss of income and even funeral costs of other people who are involved in the accident. It also pays for damage done to another person’s boat or property such as a pier. If another boat operator damages your boat or injures you or your passengers but does not have insurance, you may need uninsured watercraft coverage to help pay for medical expenses. Property coverage helps pay for the damage to your boat if you are involved in an accident with another boat, hit a pier or buoy or if your boat is damaged due to fire, vandalism or wind. When setting a limit to insure your boat, be sure to include the value of equipment such as motors (including trolling motors) and permanently installed fish finders and navigational units. A boat policy may also offer optional coverages for personal effects including fishing equipment, emergency services for the cost of a tow, and coverage for boat accessories such as life jackets and anchors. Insuring your boat correctly can give you piece of mind so you can enjoy your summer on the...
Read MoreFire Safety Week – October 4 – 10
A fire can start anywhere and at any time. Be safe and consider these fire safety tips: Cooking Stay in the kitchen when you are frying, grilling, boiling or broiling food Keep anything that can catch fire away from your stove Keep a fire extinguisher rated for kitchen use nearby Candles Blow out all candles when you leave the room or go to bed Keep candles at least 12 inches away from anything that can burn Use candle holders that are sturdy and won’t tip over Smoking If you smoke, smoke outside Keep cigarettes, lighters, matches up high and out of the reach of children Before you throw away butts and ashes, make sure they are out Smoke Alarms Install smoke alarms near each bedroom and sleeping area Interconnect smoke alarms if possible so all sound when one sounds Test and replace batteries on a regular...
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