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.
Whether caused by lighting, high winds or an overloaded power grid, extreme summer weather can trigger power outages— will you be ready when the lights go out? A lengthy power outage that affects your home can also threaten your family’s safety or damage your property.
Source: Nationwide Insurance ©2020
It’s the zenith of summer and the mercury is likewise at its seasonal peak. As we have recently experienced, a heat wave — 3 or more straight days with temperatures above 90 degrees — can pose a danger and cause serious health issues. Here are some summer heat safety tips to help protect yourself and your loved ones as you enjoy the season.
Source: Nationwide Insurance ©2020
Follow us on Facebook this month, where our #TipTuesday series will debunk the 4 most popular #LightningMyths including:
At any given time on our planet Earth, there are 1,800 thunderstorms in progress—and with them comes lightning. Your standard homeowners and business insurance policies, and the comprehensive portion of an auto insurance policy cover damages—such as a fire—that results from a lightning strike. Some policies also provide coverage for the damage caused by power surges. However, bodily harm from lightning isn’t easily remedied. Here are some steps you can take to prevent the dangerous effects of lightning and to keep your family safe.
An LPS provides a specified path on which lightning can travel. A rooftop network of lightning rods or air terminals is connected to a series of down conductors, which carry the current down to a grounding network. In that way, the system safely directs the destructive power of the lightning strike into the ground, which leaves the structure of your home or business and its contents undamaged. Installing a LPS is not a “do-it-yourself” project—contract a UL-listed lightning protection specialist to install the system in accordance with national safety standards.
Electrical surges from lightning can enter a structure via power transmission lines and cause electrical fires as well as damage to your building’s electrical system, your appliances and your home electronics. Regular power strips offer little surge protection. To assure the best safeguards, UL-listed surge protection devices (SPDs) should be installed to filter and dissipate damaging electrical discharges. Most electric utilities will rent or sell a surge device for the electric meter to “clamp down” on incoming surges; licensed electricians can install similar protection. To protect valuable electronics like computers, home entertainment centers, gaming systems and smart home technology, install UL-listed transient voltage surge suppressors–and consider unplugging expensive electronics when you know a storm is approaching. More information from National Grid
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.
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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.
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