COVID-19 is forcing everyone to navigate uncharted waters, including boaters. Many people are wondering if they can go boating, who they can boat with, and where they can go once they leave the dock. In many areas, the water is open, however, it’s more important than ever that boaters are responsible to limit unnecessary risk not only to themselves, but to other boaters, law enforcement, and first responders.
The Safe Boating Campaign, led by the National Safe Boating Council, offers these tips for practicing social distancing and safety while boating:
By following these tips, you can enjoy your boat, the water, sunshine and fresh air responsibly.
Although fly-away vacations will likely be on hold this summer, you may still get-away to the great outdoors with a family road-trip or pleasure-cruise. But, before you pull out of your driveway or cast off of the dock, check out these tips to prevent burglary and ensure that you’ll have a happy homecoming!
No matter the precautions taken to prevent theft, sometimes the unexpected still happens. In the event thieves break into your house, steal your personal items or damage your home, home insurance may be able to help you.
Beyond covering a boat owner in the event of theft, boat insurance policies typically provide coverage to repair a boat if it is accidentally damaged or destroyed due to a collision or because the boat struck a submerged object. Property damage to a boat caused by vandalism, a windstorm, or lightning are also covered under most boat insurance policies.
Boat insurers typically assess risk and price their policies based on differing factors. For instance, a boat owner’s operational experience can play a large role in determining a prospective policyholder’s eligibility for coverage and what they will pay for a policy. The boat’s make, model, age and value often influence the cost of a boat insurance policy, too. In addition, boat insurers want to know the boat’s primary cruising areas, also known as navigational territories.
The I.I.I. counsels boat owners to focus on three lesser-known but important issues when either buying or renewing a boat insurance policy.
Other coverages incorporated into boat insurance policies may include:
With a basic knowledge of how boat insurance may help protect you, your boat and others, you can set sail knowing you have the best policy in place.
Content Source: Insurance Information Institute (iii.org)
An abundance of scientific research suggests that caring for plants can also do wonders for your own wellbeing. The physical exercise can contribute to a healthy weight and blood pressure levels, and just interacting with flora can improve your mood and mental health. Below are 7 known health benefits of gardening:
So, let’s all roll up our sleeves– there is no better time than Spring 2020 to get digging, planting and weeding!
some content: Good Housekeeping
We have all seen a driver distracted by a cell phone, but when you are the one distracted, you often don’t realize that driver is YOU.
April is Distracted Driving Awareness Month –now more than ever it is crucial to #JustDrive and eliminate all distractions that might lead to a crash that lands you or others in the E.R.
Sending or reading a text takes your eyes off the road for 5 seconds and at 55 mph, that’s like driving the length of an entire football field with your eyes closed.
Distracted driving includes any activity that diverts your attention from driving, including talking or texting on your phone, eating and drinking, talking to other passengers, and anything that takes your attention away from the task of safe driving.
Most people think that hands-free devices and in-dash infotainment systems are safe because they are provided by vehicle manufacturers, but research shows that these technologies lead to cognitive distraction and inattention blindness.
Make no mistake multitasking technology is about convenience, not safety.
Be a focused driver and contact us at 401-846-9629 for a free auto policy review.
We Are Always Here To Help!
Fossil fuels deplete our resources and contribute to pollution—and many insurers offer discounts for vehicles that don’t gas guzzle.
Insurers are helping to promote sustainable building practices by offering eco-friendly policies to homeowners, which include options such as:
There are many green commercial property insurance policies and endorsements directed at specific segments of the business community such as manufacturers. Examples of these include policies that:
Call us at 401-846-9629; to discuss “greening-up” your policies. We’ll look to save you money, and you’ll be helping to save the planet.
Whether you call it a Bumpershoot, Brolly, Gamp, Parasol or Parapluie… before you can determine if you need a personal Umbrella policy, it’s important to understand exactly what umbrella coverage is, how it works and how much it costs.
Personal Umbrella Insurance is extra liability insurance designed to help protect you from claims and lawsuits beyond your standard policy limits. It also covers claims that may not be covered under your other liability policies, such as false arrest, imprisonment or slander.
An umbrella insurance policy can cover a number of situations, for example if a guest in your home falls down a flight of stairs and is seriously injured, you may be liable for the medical costs, plus a lawsuit if you are sued as a result of the accident. Your personal liability insurance will cover these costs up to your policy limits, but if the medical bills and legal fees are greater than your coverage limit, you are then responsible for paying that amount out of pocket. However, if you have personal umbrella insurance, it will kick in and cover the extra payments.
While you may not believe your particular lifestyle warrants additional coverage, the truth is, you just never know when a significant accident or situation could arise. If you find yourself in the middle of a lawsuit, your savings, assets, and even retirement funds could be at risk. Knowing you have the coverage and protection you need to avoid a future of financial headaches could be well worth it.
Now that you’ve had a refresher on what umbrella insurance is and how it works, you may find that having supplemental protection is the right fit for you. Here are some other advantages:
The cost of umbrella insurance policy varies depending on the amount of coverage you need to adequately cover your assets. Call us at 401-846-9629; let’s look at your personal “whether” forecast together and discuss the level of umbrella coverage that’s right for you.
As your family, home and career status change, it is crucial that your insurance reflect these changes in your coverage.
We are here to help YOU with a FREE Policy Review.
First, please consider the 10 questions below. Then give us a call at 401-846-9629 to book a convenient appointment by telephone or at either of our two offices. Following our discussion, we will present you with the very best options at the most cost-effective prices. In fact many of our clients enjoy lower annual premiums based on updated information and our customized recommendations.
Despite what you might think an insurance review doesn’t have to be an involved, time-consuming endeavor. After a FREE POLICY REVIEW with us, we are confident that you will enjoy the peace of mind that comes with customized insurance coverage for you, your family, home, auto and all of your possessions. Additionally, many of our clients benefit from lower annual premium costs with our custom options!
Call us at 401-846-9629 to schedule your FREE 2020 Insurance Review today.
some content: iii.org
There is such a thing as being too generous, especially during the holidays. In 2018, the average American household spent $1536* on Holiday shopping. Here are some holiday spending tips to help get you through the season with your wallet intact. Read More
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