Buying your first RV, camper or trailer is an exciting time! Before you make the purchase, you are already visualizing how you want to enjoy your trailer or RV. Owning an RV or camper allows you to enjoy nature & relax. Here are a few things to consider to have the best time.

1. Get Comfortable Driving Your RV

Whether you must drive your RV or tow your camper, it is important to be comfortable. We’re not talking about physical comfort; we’re referring to being comfortable with driving the vehicle. Begin by driving it around unpopulated areas such as neighborhoods and less-populated streets. When you’re ready, hop on a freeway and try it at freeway speeds. Remember, your braking will be dramatically different in a larger vehicle and especially so if you’re pulling a trailer.

2. Check the Roads if Using the Backcountry

If you are going hiking or camping on forest service roads, be sure to watch for signs for “no turn-around” or “no trailers.” While most rural roads won’t mention this, it is important to remember you’re going to have to turn around. While traveling on forest service roads it isn’t uncommon for the road to be obstructed by a fallen tree or other hazards. Be sure you’re prepared for unplanned situations.

3. Tie Down Your Luggage, Coolers, Etc.

Loose items inside of the vehicle can be a hazard when you must take evasive action or brake hard. Loose items inside of the vehicle will accelerate at the same deceleration as the outside of the vehicle. So, if they aren’t strapped down, they can move around your cabin and cause serious injury or damage. Be sure all your items inside are strapped down; especially the heavy items such as coolers.

4. Make a Checklist for Packing

Referencing a master checklist for packing can be great to ensure you do not forget anything. This can be made on paper or your notes app on your phone. With each trip, you’ll learn what you need to create your perfect master list.

5. Make Your Food Ahead of Time

By owning an RV or camper, you can easily save money by packing your meals for the road. Consider cooking your meals ahead of time or making double batches of easy meals you normally cook in the comfort of your home that can be frozen for future use.

When you pack food for the road, choose meals that can be reheated on a stovetop or a portable BBQ. For meals where you don’t want to spend the time reheating, pack items that taste good colds such as pasta salads, sandwiches, quiche, and more. You might feel like you are eating a gourmet meal out in nature! Consider examples such as pre-cooked burger patties, chili, stews, and even pizza (reheated on a BBQ for a crisp bottom).

If your RV does not have a refrigerator, you can pack a cooler. If you plan to use your RV for an extended period, there are temperature-controlled electric plugin coolers you can invest in. This may save money over the long run as it avoids you from having to eat out for many meals.

Owning an RV can be bring you joy and wonderful memories. If you have any questions about insurance for your RV, trailer, van, or camper, reach out to our agency. We can help you determine the best RV insurance coverage to protect your investment.

If you are a homeowner, you have purchased your home insurance through a local insurance agent or directly through an insurance carrier. Home insurance costs and coverage vary due to where you live, how much your home is worth, your credit score, and many other insurance factors.

Home insurance can be confusing so we recommend speaking with one of our agents and going through a home insurance review. Even if you have had a home insurance policy with us for years, it is still best practice to review it to ensure you still have adequate coverage. We can break down your insurance coverage details and make sure you have the best protection for your insurance needs.

Here are a few terms we can discuss with you:

Named perils: this part of your home insurance coverage protects your home from named perils that can include damage from wind, hail, fire, fallen objects, lightning, theft, vandalism, and more. Home insurance named perils vary so our agents can discuss what’s covered if you have questions.

Actual Cash Value (ACV): this is the cost to replace the damaged item minus depreciation.If you have damage to your home, the insurance carrier would determine how much it was valued before the damage occurred.For example, if your roof was damaged but it was 10 years old, your insurance carrier may factor in how much a 10-year-old roof is worth today. You would receive the valued dollar amount to put towards a new roof.

Replacement cost value insurance: this represents the cost to replace an item of similar quality without factoring depreciation. Replacement cost policies are more expensive than ACV because you are essentially getting a brand new item. After asking you questions, we can help determine if this coverage makes sense for you.

Deductible: if you have to file a claim, your deductible plays a role in how much you have to pay before your insurance carrier pays towards your claim. Deductibles can vary in price and typically the higher your deductible, the lower your home insurance premium. Our agents can help explain your deductible options.

Liability insurance: your home insurance coverage can provide you with liability coverage. For example, if your dog bit someone or if someone slipped and fell on your property, liability coverage could provide you with coverage. Talk to us about liability limits.

Additional insurance policies to consider:

Flood insurance: home insurance typically does not cover you if your home experiences water entering your home. This is typically a separate policy many individuals buy. If your home is susceptible of floods, talk to an agent.

Earthquake insurance: just like flood insurance, earthquake insurance is also a separate policy. If your home is damaged from an earthquake, you would most likely need an earthquake insurance policy to have coverage for any damage.

Other structure coverage: if you have a detached garage, barn, swimming pool, greenhouse, or other structure, be sure to tell your agent. This needs to be included in your policy and may require additional coverage.

Water sewer coverage: claims occur when heavy rain or floodwaters overrun your sewer system or your sump pump. Debris from rainstorms or natural disasters can also clog your system causing damage to your home when the water backs up into your house’s plumbing. Many home insurance policies do not cover this and water sewer coverage is needed to pay for the damage. Talk to us about this coverage.

Umbrella insurance: if you file a home or auto insurance claim and the damage exceeds your policy limits, an umbrella insurance policy can give you thousands of additional dollars in protection. There are limitations on what umbrella insurance covers so discuss this with an agent in our office.

Vacant home insurance: if you own a home that is vacant, you still want to protect it. Talk to us about your situation and we can explain your coverage options.

Ready to shop for home insurance? Give our agency a call or email us for a quote. We can help you find a great coverage.

If you are looking to add a swimming pool to your property, you may be curious how it impacts your home insurance policy.

First of all, you will need to alert your agent of the swimming pool addition. If you do not alert your insurance carrier of your pool addition, you may not be covered for any claims. Your homeowners insurance can provide coverage for any damage that occurs to the pool such as a fallen object or fire. Our agents can help you determine what type of coverage you need for your pool. It can be considered personal property coverage or other structure coverage on your home insurance policy.

Swimming pools also increase your liability risk. If a guest had an injury at your pool, liability coverage can provide you with coverage for bodily injury, medical bills, or even legal fees. Talk to your agent about your current liability insurance coverage and if it is beneficial to increase your limits. We can review your personal umbrella policy with you.

It is important to note that many insurance carriers will require you to build a fence around your pool in order to provide coverage. We are here to help provide coverage details so you fully understand your policy.

Pool Safety Tips –

Swimming pools bring several exposures to injury. To limit your exposure, setting strict guidelines around the swimming pool for security can considerably lower the chances of injury occurring. Adhere to these safety tips when in and around a pool:

• Supervision– kids should never be left unattended around a swimming pool. If your children or friends intend to make use of the pool always call for grown-up supervision. If your children’s pals are wanting to use the swimming pool and you’re unable to supervise, ask another parent to supervise.
• Call for walking– Water and concrete are unsafe. Lower the opportunities of a slip and fall injury by making certain everyone around the swimming pool walks and does not run.
• No Glass Around Pool Policy– Glass can fall into the pool or around the deck and create an unsafe situation.
• Routinely Examine– check the items used around a pool like the diving board, slide or flotation equipment.
• Fencing & Lock the Pool– Most insurance providers will certainly need fencing of at the very least 4 feet to exist around a swimming pool.
• Mount an alarm– You can set up an alarm that spots when somebody enters the swimming pool.
• Safeguard your pet dogs– Animals are attracted to water, specifically on a warm day. Keep your pool area secured from animals when you’re not using it to ensure they don’t fall in.

By following appropriate safety precautions you can have plenty of terrific memories and also your kids can have a lot of fun! Enjoy your swimming pools properly. If you have inquiries on swimming pool requirements for insurance purposes, we have answers. Our qualified representatives can help ensure your residential property is insurable and that you are effectively covered in case you have a claim.

There are many ways you can purchase auto insurance for your vehicle. Calling a local independent insurance agency can offer you some additional benefits and personalized service as well as help you select the right coverage for your situation. It’s important to understand your coverage options since you’ll want the right coverage in the event of a claim.

Once you understand each coverage, you can have better knowledge of what options best suit your situation. Opening a discussion with one of our agents can help and we are here to provide you with professional insurance advice, guidance, and knowledge.

Let’s break down the four most common auto insurance coverages.

State minimum liability coverage: (Bodily Injury & Property Damage)

State minimum liability coverage is actually two coverages. It will pay towards bodily injury claims and property damage claims.

Every driver is required to purchase state minimum liability insurance unless you live in New Hampshire.

This typically is the least expensive auto insurance policy but it also provides you with the least amount of insurance coverage.

State minimum liability coverage will provide insurance coverage if you are involved in an at-fault car accident that results in injuring someone or causing property damage. It covers the injured person’s medical bills related to the auto insurance accident, up to your policy limits. It will also pay for repairs to the damaged property. Liability limits vary by state. If your at-fault accident causes more damage than your liability limit, you would be held accountable for the remaining balance. That’s why it is important to purchase limits higher than a state-minimum liability when you can.

If your vehicle is damaged or you are also injured in the accident, state minimum liability coverage will not provide you with any protection. It is purely for those you cause damage or injury to. You would be required to pay out-of-pocket for your medical bills & repairing your vehicle.

Comprehensive coverage:

This coverage pays to repair or replace your vehicle if it is vandalized, damaged from a fire, stolen, collides with an animal, or is damaged by hail, a fallen tree, wind, floods, lightning, or other inclement weather.

If you are financing or leasing a vehicle, it will be required by your lender to have this coverage on your auto insurance policy.

Do you need this coverage? If you own your vehicle, it is up to you. If you value what your car is worth & prefer not to pay out-of-pocket for any damage that could occur in the event you get into an accident, you will benefit from having this coverage added to your auto insurance policy.

Collision coverage:

This coverage can pay towards repair damage (or replacement) for your vehicle if you collide with another vehicle, a guardrail, fence, or any other object.

If you have taken out a loan or are leasing a vehicle, it will be required to have collision coverage.

Do you need this coverage? If you own your vehicle, it is up to you. If you are found at fault for an accident & your vehicle is damaged, you would have to pay out-of-pocket for repairs to your vehicle if you do not have collision coverage. If you prefer to not have this financial liability, it may be worth adding collision coverage to your auto insurance policy. If your vehicle is valuable, you may also want to consider this coverage.

Talk to an agent in our office about these different auto insurance coverage options. We can provide you with quotes from many insurance carriers & help you find the best policy for your needs & budget. There are additional car insurance coverages you can add on top of liability, comprehensive & collision coverage. These coverages include Medical payments, Uninsured/Underinsured motorist, Roadside assistance, Custom parts & equipment, and many more. We’ll discuss in detail these coverage options in Part 2. Get a free car insurance quote by calling or emailing us.

While our agency does not specialize in short-term insurance policies, there are a few scenarios that can warrant the need for short-term insurance policies. Let’s take a closer look at a few of these.

Traveling to Mexico:

If you’re driving into Mexico it is likely that your existing auto insurance policy excludes travel to Mexico. You’ll want to find an agency that offers Mexico Auto Coverage. Your typical coverages are available to cover your vehicle and can include roadside assistance. Talk to an agent about what might be the best fit for you if you’re traveling to and from Mexico.

Renting A Vehicle

If you plan to rent a vehicle as a temporary replacement while on vacation, your existing auto coverage should transfer to the rental vehicle. However, items like loss of use are not covered and could cause you to accrue some out-of-pocket expenses should you be found at fault for an accident that removes the vehicle from the rental fleet. Talk to an agent before you rent a vehicle and ensure your existing coverage will transfer to the temporary replacement. You can always purchase the rental agency’s coverage as a primary coverage as well.

Vacation or Travel Insurance

If you’re going on vacation you might want to consider travel insurance if your plans get interrupted. Things like sickness, injury, and lost luggage can be covered with a simple policy. You can even find coverage for “cancel for any reason” which could help with some unusual circumstances for having to cancel a trip. Be sure to ask your agent about the coverage details so you fully understand your coverage.

Wedding & Special Event

If you are planning on hosting a special event such as a wedding, bar mitzvah, baby shower, charity auction, Easter egg hunt, or even a cocktail party, you should consider special event insurance. Getting a one-day (multi-day also available) special event insurance policy is an easy chore.

Even if you don’t serve alcohol at your party, by inviting guests and children onto your property you have a liability that needs to be protected. Consider trip and fall accidents, food poisoning, or even a dog bite. Many things can happen during an event that should be planned for.

As an independent insurance agency, we not only represent a variety of great insurance carriers but we can help you plan for these temporary insurance policies. Purchasing a policy can be as simple as a quick phone call with your travel or plan details and we can provide you with a quote.