If you are considering purchasing any type of camper, motor home, travel trailer or fifth wheel you will want to make sure you have the right insurance for it.
You may be able to bundle your recreational vehicle with your home or auto insurance policy, but it might not give you enough coverage.
RV insurance provides coverage on Class A, B, and C motor-homes, camper vans, and motor coaches. Your insurance agent can also provide you with RV insurance for your travel trailer, fifth wheel and pop-up camper. Inform your agent if your RV is stationary on a lot or piece of land year round.
Types of coverage offered are:
- Comprehensive and Collision
- Total Loss Replacement
- Emergency Expenses
- Towing and Roadside Assistance
- Campsite/Vacation Liability
- Full Time and Stationary Travel Trailer Program
For all your RV insurance needs contact Insurance Advisors, Inc.
Prepare your home for cooler days ahead!
Fall foliage is beautiful, but not when it builds up in your gutters! Take these tips into account during the cool autumn months.
- Have your furnace cleaned and inspected annually by a qualified technician. Keep flammable materials, including all lawn and power equipment, away from water heaters and wiring in the basement.
- Insulate water pipes in areas exposed to cold temperatures, and turn up the thermostat during extra cold periods.
- Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season to keep leaves from building up in gutters.
- Check and repair caulking around doors and windows that show signs of deterioration.
- Check caulking around showers, bathtubs, sinks and toilet bases; and make repairs as needed.
- Have your chimney cleaned and maintained annually by a professional.
- Clean and/or replace your furnace filter.
- Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
- Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
- Keep a multi-purpose fire extinguisher accessible, filled and ready for operation.
- Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the battery annually or as needed.
Travelers Insurance.com/home maintenance
Learn more about homeowners insurance.
Insurance Coverage for Your College Student
When preparing to send your child to college, be sure to review their insurance coverage. It’s a good idea to take an inventory of your student’s property that will be moved to a dorm or an apartment.
Insurance companies consider college students to be residents of their parents’ home, temporarily residing elsewhere. Your homeowners insurance will generally cover your student if living in a dorm. They consider dorm-room contents to be “personal property, located off premises”. The liability limits will be the same as your homeowners policy, but coverage for personal belongings may be limited to 10% of your total possessions coverage (rules vary by insurer). Add up the value of your student’s property and make sure you have enough coverage…you may want to buy some extra coverage if this includes an expensive computer system and other valuable electronics.
Your home insurance policy may not cover your student if living in an off-campus apartment with a 12-month lease. In this situation, check with your Insurance Advisors Representative regarding how to handle the insurance coverage. Also, ask about any coverage limits if your student is traveling abroad…some companies, such as Chubb and West Bend provide worldwide coverage, but some others do not.
Let your auto insurer know that your child is going away to college even if without taking a car. If your student goes to school more than 100 or 150 miles away from your home and doesn’t take a car, you could get a big discount on your auto insurance premiums but still have coverage when your child comes home for holidays and vacations. If a car is taken to school, the premiums may rise or fall depending on the location of the college, where the vehicle is parked, and how many claims the insurer has had to pay in that area. Either way, many insurance companies continue to offer discounts on car insurance if your student maintains at least a B average.
Every year dozens of people are injured and hundreds of fires are reported because of grilling accidents. With the popularity of outdoor cooking, the problem promises to get worse before it gets better.
The leading cause of injuries and fire from gas grills is leaking fuel lines. Improperly connected hoses, cracked or broken hoses, misaligned venturi tubes can release unlit propane that can quickly build up and cause an explosion. Modern gas grills are vented to prevent gases from building up inside cabinets so a slow leak doesn’t pose much of a danger, but turning off the gas at the source (the propane tank) is always the safest strategy.
When it comes to out-of-control gas grill fires, identify the source of the fire. If the fire is the grill itself then carefully turn off the control knobs and let the fire die down.
If the fire is under the grill and you can get to the fuel tank, turn off the tank. This should kill the fire almost immediately. If it does not, or if you cannot get to the tank valve, get away from the grill and call the fire department.
Charcoal presents its own risk due to carbon monoxide poisoning. Burning charcoal produces a lot of this gas. There were over 20 deaths in the US last year alone from carbon monoxide poisoning associated with charcoal grilling.
The leading cause of injury related to the use of lighter fluids, is attempting to relight charcoal. Pouring lighter fluid onto hot coals causes the fluid to quickly vaporize. These vapors can be extremely flammable. Without a strong wind the explosive vapors will not dissipate and will wait around for you to light the match.
Everything has risks. Knowing what those risks are and how to reduce them is key. When cooking outdoors, whether hot and fast grilling, or low and slow barbecue, there are a few things you need to know to make sure nothing goes wrong and how to get the most out of your cooking. There is more to outdoor cooking safety than just fire…continued in next week’s blog.
The Essentials of Quality Protection for Your Home
First and most importantly, you need enough insurance to cover the costs to rebuild your home at today’s rates. That is referred to as a Replacement Cost policy, which means that in the event of a disaster (i.e. fire or wind), the policy pays for the repair or replacement of damaged property with materials of like kind and quality. Insurance Advisors has state of the art tools to better value your home properly, based on specific criteria such as square footage of your home, type of construction, the style and age of the structure among other things. There is no depreciation applied for wear and tear on standard replacement cost coverage. You should be mindful that a homeowners policy does not cover floods or damages caused by flood; nor does it cover damages caused by neglect of routine maintenance.
Your policy typically features coverage for costs incurred in the event of a loss that requires you to temporarily live away from home. Your contents and personal possessions are automatically covered under most homeowners policies. Your Insurance Advisors representative can provide the details on how that dollar amount is derived.
Many people like to raise their deductible to save money on the premium; and that is certainly an option. But beware! The deductible amount you choose will come directly out of your pocket if you have a claim. For example, if you decide to maintain a $5,000 deductible, make sure you set aside the funds to cover that amount if there is a loss.
If you own a cabin, seasonal place or vacant dwelling, they will require a different type of policy. That distinction is something you will need to discuss with your agent to ensure you have the proper policy and subsequent coverage’s.
Consider adding a Personal Umbrella policy to your portfolio if you own a lot of assets. An umbrella policy is an excess liability coverage that goes above and beyond your homeowners and auto insurance policies. You get a lot of coverage at a very affordable price.
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