Auto Insurance for Teen Drivers

Auto Insurance for Teen Drivers

Because they present more of a risk, auto insurance rates are generally higher for teenage drivers. However, there are some ways you can both protect yourself financially and lower the cost of insuring your teen by doing the following: Read More

College & Credit

College & Credit: Tips for Managing Your Money

Tips for Managing Your Money

Many of today’s college students are turning to credit cards to finance their college education, using them for everything from everyday necessities to books and tuition. Unfortunately, this can result in an excessive amount of debt. Young people are frequently unaware that their bill paying habits will affect their credit history. Many graduates do not think they need to worry about their credit score until they apply for a mortgage to buy a house. So it can come as a shock when they find out that potential landlords, employers and even utilities companies routinely access credit scores as part of their application process. Read More

Dive Into Pool Safety

Dive In To Pool Safety

As the summer heats up, there is no better time to consider the insurance and safety implications of owning a pool. You will be held responsible if anyone drowns or is injured in your pool even if they did not have your permission to be there, so it is important to have the proper locks, safety equipment and appropriate liability insurance. If you own a pool, we recommend taking the following steps:

  1. Review Your Insurance Coverage: Call us to discuss your liability risk protection. You may consider increasing the minimum on your homeowners’ policy and or purchase an umbrella liability policy. If the pool itself is expensive, you need enough protection in the event it is destroyed by a storm or other disaster and don’t forget to include and deck furniture around the pool when calculating the value of your belongings.
  2. Contact your town or municipality and comply with local safety standards and building and electrical codes. This may include installing a fence of a certain size, locks, decks and pool safety equipment.
  3. Keep Children and Other Pool Users Safe by Taking These Precautions:
    • Create several layers of protection… set up as many barriers as possible to the pool area in addition to fences required locally.
    • Never leave toys or floats in the pool when it is not in use, they can be a deadly temptation for toddlers who might fall into the pool when trying to reach them.
    • Check the pool area regularly for glass bottles, toys or other potential hazards. Keep electrical devices away from pools or nearby wet surfaces.
    • Limit alcohol consumption around the pool as it negatively impacts balance, coordination and judgment—also, its effects are further heightened by sun exposure and heat.
    • Clearly post emergency numbers on the nearest phone so that they can be easily located in the event of accident
  4. Watch Children In and Around the Pool
    • Never leave a child unattended in a pool or spa.
    • Teach children water safety tips.
    • Keep children away from drains, pipes and other openings to avoid entrapments.
    • If a child is missing, look for him or her in the pool or spa first.
    • Share safety instructions with family, friends and neighbors.
  5. Dive Into Pool SafetyLearn Water Safety Skills
    • Learn how to swim and teach your children how to swim
    • Learn to perform CPR on children and adults, update these skills regularly
    • Understand the basics of life-saving so that you can assist in a pool emergency.
  6. Have Proper Pool or Spa Equipment
    • Install a four-foot or taller fence around the pool and spa and use self-closing and self-latching gates,; ask your neighbors to do the same at their pools.
    • Install and use a lockable safety cover on your spa
    • If your house serves as a fourth side of a fence around a pool, install and use a door or pool alarm.
    • Maintain pool and spa covers in good working order.
    • Ensure any pool and spa you use has drain covers that comply with federal standards, and ask your pool service provider if you do not know
    • Have lifesaving equipment such as life rings, floats or a reaching pole available and easily accessible.

Content Source: Insurance Information Institute

Beach Safety

The State of Rhode Island has over 400 miles of coastline. During the summer months some of our beaches may see 10,000 visitors in a single day.  In order to keep our beaches clean and safe it is important for you and your family to do your part in eliminating pollution and preventing illness. Read More

Camping Safety

Camping Safety

Camping is a fun way to get family and friends together to enjoy the outdoors. Follow these tips to help ensure your camping trip is safe and healthy. Read More

Biking Safely

Bicycle Safety

With health, environmental and even financial benefits, biking around town is a good idea as well as good fun! But just as the fine weather makes riding possible and enjoyable, local automobile traffic is building for the same reason. Many tourists navigating our city streets have little idea where they are going, and are bound to make unpredictable moves. Frustrated locals seek ways to get around town with the same speed they are accustomed to in the off-season. That makes this the perfect time to learn some solid tips on defensive bicycle riding. Read More

Personal Watercraft Coverage & Safety

 

Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels. The personal watercraft policy covers: Read More

Boating Safety Primer

There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.

To prevent boating accidents, we offer these safety suggestions:

Care and protection of vessel

  1. Check weather forecasts before heading out.
  2. Let someone know where you’re going and when you expect to return.
  3. Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks.
  4. Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use.
  5. Equip the vessel with required navigation lights and with a whistle, horn or bell.
  6. Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio.

Care and protection of crew and guests

  1. Make sure that every person on board the boat wears a life-jacket.
  2. Know and obey marine traffic laws, the “Rules-of-the-Road.” Learn various distress signals.
  3. Keep an alert lookout for other watercraft, swimmers, floating debris and shallow waters.
  4. Pay attention to loading. Don’t overload; distribute the load evenly; don’t stand up or shift weight suddenly in a small boat; and don’t permit riding on the bow, seatbacks or gunwales.
  5. Don’t operate a boat while under the influence of alcohol or drugs.

Skippers can obtain free advice and boating-safety courses from the U.S. Coast Guard Auxiliary. Upon request, the auxiliary will conduct a Courtesy Marine Examination (CME) on your boat, checking electrical and safety equipment and fuel hoses. Boats meeting safety standards are awarded the CME decal “Seal of Safety.”

Content Source: Insurance Information Institute, Inc. Copyright 2014

Boat Insurance Primer

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and what the limits are. Read More

5 Insurance Mistakes to Avoid… And Still Save Money

5 Insurance Mistakes to Avoid

We are all concerned with saving money, however simply reducing your coverage or dropping important coverages altogether can leave you dangerously under-insured in the event of disaster. Following are the five biggest auto, home, flood and renters insurance mistakes consumers can make, along with suggestions to avert those pitfalls while still saving money: Read More

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