The U.S. Marines are best known for tactical strategies on the battlefield. Locally, they are waging a battle on behalf of impoverished children at Christmas. Our agency is happy to serve as a drop-off site in the USMC Toys For Tots campaign. Please donate a new, unwrapped toy. The Marines will pick up our box the week of December 12th. Thank you!
Boating is great warm-weather fun. But accidents happen. What if you injure a passenger on your boat, a nearby skier, swimmer or fisherman? What if you collide with another boat or damage a dock? Home Insurance policies may have some automatic Liability protection, but only for smaller boats with lower HP motors. Home policies may even cover damage to the boats, up to a certain amount, but not in the water. This is basically “driveway coverage”, not “waterway coverage”. Concerned? Call us to discuss the details.
Most homes connect to a municipal hook-up to discharge waste water. Typically, there is a floor drain in the lowest level, such as a basement. What if you find 3 inches of black water from that basement drain? Damage Due to Back-Up of Sewers or Drains is an option on many Home policies. It is not Flood Insurance – another topic for another blog. It is not just a plumbing problem. Call us to discuss the details.
http://www.wrins.com/sewer-drain-back-up-flood-plumbing-problem-neither
Whether you enjoy warm weather or cold weather activities, a getaway camp, cabin or cottage is terrific. Sadly, it also creates a possible insurance challenge. Visitors can be injured as your guest or simply crossing your property. Property of others can be damaged. What if that picturesque foot bridge collapses? What if that retaining wall is overwhelmed by the wettest springtime on record? What if a fire starts at your cottage and spreads to neighboring properties? Coverage may be more affordable than you think. Call us to discuss the details.
Working from home is becoming very popular. Why not? Who needs the commuting and parking hassles of traditional workplaces? But you may need special coverage on your Home Insurance or a stand-alone Small Business policy. Exclusions typically will not cover injuries to visiting vendors or customers. Limitations on your Business Personal Property (samples, inventory, business-dedicated computers, office furniture) could be very restrictive. But the solution may be quite inexpensive. Call us to discuss the details.
Old cars are sometimes kept in mint condition from the very beginning. Other times, they need total restoration, sometimes referred to as “frame off”. Be careful. When the car is apart, some policies say there is no car there, simply a room full of parts. In the event of a loss, there is no coverage. We have a specialty carrier who includes vehicles in restoration. Call us to discuss the details.
I would love to have an old car. One of my favorites is the 55 Chevy. But I am likely destined to simply admire, not own. If someone is fortunate enough to own one, they are truly fortunate. And they need the right insurance to cover the full value of that special vehicle. Special policies are available to cover Antiques and Classics on an Agreed Value basis. Spare Parts can be covered as well. Call us to discuss the details.
If you own a motorcycle, we probably don’t have to point out that accessories can really add up! Assuming you cover your bike for Collision and Comprehensive damage, you may only be covering the “base” cycle. Or your policy may include an automatic extension for accessories, typically in the $1,000 to $3,000 range. Is that enough? Call us to discuss the details.
Operators and passengers can be injured on a motorcycle. In Pennsylvania, we have First Party Medical Payments for typical vehicles – cars, SUVs, minivans, pick-ups and more. But that coverage does not apply to motorcycles. Some motorcycle policies have no injury protection for operators or passengers. Some offer Motorcycle Medical Payments coverage. Call us to discuss the details.
Why is this covered? What does it cover? Who does it cover?
This is sometimes called Guest Medical Payments. It is designed to respond to visitors who are injured while at your home. Envision a friend or neighbor who falls and suffers minor cuts and breaks their eyeglasses. Medical Payments might pay for those expenses, simply because it happened “on your watch”. It is not an admission of negligence – that the injury was caused by something you did or failed to do. That’s a topic for another blog or video. As always, call us to discuss the details.
