Insuring Your RV, Boats, & Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake. 

That's why now is a great time to review insurance coverage on all of your summer toys.  Read below for things to consider (and review with us) before the big items come out of winter storage.

RV - Your motorhome or travel trailer needs insurance coverage, especially if you'll be driving or pulling it this year.  Even if you don't have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs.  Just call us for a quote.

Boat - The same thing goes for your boats and jet skis.  You've made a big investment and it's important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage.  Don’t forget your life jackets! 

Motorcycle - Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need.  

Swimming Pool - If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe. 

Summer is a lot more fun when you know that your high price recreational items are properly insured and protected.  Take 15 minutes to call us for a quote or to review your current coverage. 

P.S. Our open house is this Friday the 8th at 4:00 p.m. There will be BT's smokehouse, Rapscallion beer, Rob Adams, raffles, and other surprises! I hope to see you all there! 

Insurance For Your Boat

It won’t be long now before you’re back out on the water.  Are you counting down the days? 

While everyone loves to hit the lake on the boat, there are a few things you need to take care of first.

Are you properly covered?

Since boat insurance isn't required (in most states), a lot of people skip it in order to save money.  But that’s a very risky idea! 

First, without coverage, you’re risking all the money you spent on your boat.  Would you drive your expensive car without insurance?  Probably not! 

Second, boats are a liability exposure.  That means that they open you up to lawsuits.  If you were to have an accident and damage someone’s boat or personal property, then you could be held responsible.

With the proper insurance coverage, this wouldn't be a problem.  You’d be protected!  In fact, we typically recommend that clients with a high level of assets purchase extra liability coverage if they own a boat. 

All in all, purchasing boat owners insurance is a simple way to give yourself a lot of peace of mind.  Who wants to worry about insurance when they’re out on the water?  Call us at 508-347-9343 today for a free quote on your boat or watercraft.

P.S. Our open house is coming up on May 8th at 4:00 p.m. There will be BT's smokehouse, Rapscallion beer, Rob Adams, raffles, and other surprises! I hope to see you all there! 

5 Ways To Save On Auto Insurance

Are you tired of paying too much for auto insurance?  No one wants to pay more than they have to!  That’s why it’s important to know what savings and discounts are available.  Here are a few things to discuss with your agent at your next review.

Is Your Driving Record Accurate? 

Tickets, accidents, and claims will raise your rates!  That’s why it’s important to make sure your motor vehicle report is accurate.  Ask your agent if anything showed on your record and make sure that the information is correct.  

Take A Defensive Driving Class

 Have you taken a defensive driving course in the past?  Let us know.  You may qualify for a discount!  

Don’t forget about driver’s ed classes for your teenagers too.  Just get a copy of the completion certificate for your records.  Many of these discounts apply for several years and give substantial savings.  

Increase Your Deductibles

 The deductible is the amount you pay out of pocket after an accident (or for hail damage, etc.)

The higher that out-of-pocket amount, the lower your monthly premium!  

So if you are currently carrying $100 or $250 deductibles, consider raising them to $500 and keeping a little extra in your savings account.  You could save a lot each month while still being protected from any major damage.  We can give you prices for a range of deductibles to help you decide.

Find The Best Payment Options

 Depending on your individual policy, we may be able to offer various discounts for paying your policy premium in full or putting it on a monthly bank draft.

While $3-4 a month might not seem like much, over time it really adds up!  Ask us about payment options for your policy and see where you can save.

Keep Your Insurance In One Place

 And one of the largest, and most overlooked, savings opportunities is to have multiple polices with one company!  

If you carry homeowners or renters insurance with a different company, let us quote it!  Many times our clients will save several hundred dollars per year just by having their policies in one place.  It’s a no-brainer!  

And remember, getting these savings isn’t difficult.  In fact, with one short phone call we can review your policy, look for discount opportunities, and discover your coverage.  Give us a call today to get started!

P.S. Our open house is coming up on May 8th at 4:00 p.m. There will be BT's smokehouse, Rapscallion beer, Rob Adams, raffles, and other surprises! I hope to see you all there!