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Summer is upon us! I thought this would be a good time to share some “Summer Tips” with you.

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  • Beach and Pool: Skin Cancer is a serious problem. Make sure you use sunscreen, UVA/UVB sunglasses, and wear a hat to avoid prolong exposure to the sun.
  • Grill Safety: Keep an eye on that gas grill and make sure the hoses have not been chewed by animals. Make sure to clean the grill periodically as grease buildup can cause flare ups and fires. Charcoal grills are more dangerous than gas grills. Be careful when applying the lighter fluid. The location of your grill is critical. Keep it away from your house and garage. Be careful if you grill on the deck especially with charcoal grills. A house on my street had a fire that was caused by a coal that escaped from the bottom of the charcoal grill and fell under the deck. The coal smoldered until later that night when flames shot up the side of the house.
  • Water safety: Learn more about pool and boat safety. The American Red Cross offers tips on their website at http://www.redcross.org/prepare/disaster/water-safety. The U.S. Coast Guard offers many tips for boater’s safety. Consider taking a Coast Guard safety course which are offered locally. Check out the Coast Guard website at http://www.uscgboating.org.
  • Make sure you check on your elderly neighbors and family. Make sure their homes are properly ventilated with fans or air conditioning to keep them cool and safe.
  • Pets: Make sure you protect your pets from the heat. Keep them in shady areas and do not do any strenuous exercising with them when it is hot. Stay away from asphalt and sandy areas as their paws could burn. Make sure they have plenty of water even when you travel or take them with you on a summer picnic. Make sure you protect them from fleas and ticks as you don’t want your home to become infested with these annoying bugs.

Spencer Insurance Agency has many valuable Summer reports on our website at www.spencerinsurance.com.  Some of the topics we discuss on our website are:

  • Taking your child to college? How is your insurance coverage affected?
  • Should I purchase the extra coverage for the car I rent while on vacation?
  • School is out! Time for that talk with your teen driver (see our teen driver corner in this newsletter).
  • Are your “Summer Toys” properly covered? (Boats, jet ski, motorcycle, ATV or golf cart)

Spencer Insurance Agency is always ready to discuss your safety and protection with you.  Call us today with any questions at 215-885-2200.  You can also email us or visit our website for more tips.

All of us at Spencer Insurance Agency hope you have a safe and enjoyable summer!

Are your “Summer Toys” properly insured?

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The hot, hazy, lazy days of summer are here.   I hope you are having fun taking some time to kick back and relax.  Summer is a time to enjoy outdoor activities like golf, boating, fishing, water skiing, swimming and a barbecue.  There are a lot of summer toys

Summer is the time to enjoy these toys, but make sure you have the proper coverage.  An accident with one of these toys could lead to property damage and a lawsuit.  Are you prepared for that?  Many times people are surprised to find they have limited or no coverage under their auto and homeowner’s insurance policies for these toys.

Does your homeowner’s or auto insurance cover these toys?  Sometimes the answer is yes but way too often the answer is no.  Call us today at 215-885-2200 to make sure you have the proper protection.

Let’s discuss a few of these toys. . .

  • Liability from backyard toys such as a trampoline or pool is covered by your homeowner’s insurance but there is a problem. Due to the nature of the injury that can occur, most homeowner’s policies provide only limited coverage. You should purchase an umbrella policy and make sure your policies don’t restrict claims from these items.
  • Jet Skis/personal watercraft – These items are fast and fun and you probably have no liability coverage under your homeowner’s policy. You need to buy a personal watercraft policy and umbrella policy if you own a personal watercraft. Be careful, not all umbrella policies cover your personal watercraft. If you rent a personal watercraft while on vacation you have no liability insurance. You are riding around with no insurance. Purchase the coverage from the marina.
  • Boats – You have some limited coverage on your Homeowner’s policy for damage to your boat, but sinking and banging the dock is not covered. You also have limited coverage for liability as long as the boat is a sailboat under 26 feet or your boat has an outboard motor less than 25 horsepower. If you rent a sailboat under 26 feet or a boat with an outboard motor you have some liability coverage from your homeowner’s insurance. Why risk having limited or no coverage? Purchase a boat policy for your boat.
  • Motorcycles or ATV – If you own a motorcycle, your auto and homeowner’s policy provide no coverage. You need to purchase a motorcycle policy or recreational vehicle endorsement. If you rent a motorcycle while on vacation you have no coverage from your auto policy and no coverage on your homeowner’s policy if the motorcycle requires registration (Hint – Most do!). Hopefully the place that rented you the motorcycle can provide you insurance; otherwise you are riding around with no coverage!
  • Golf Carts – When you play a round of golf and rent a golf cart you have liability coverage under your home and auto policies. You have some limited property damage coverage in this case. What if you own a golf cart? This gets tricky so talk to us. The golf cart is covered while on a golf course, but you may need an endorsement if you travel off the golf course.

 

The bottom line. . . Talk to us about these toys or your summer fun could be very costly!  At Spencer Insurance, “Your Protection and Peace of Mind is our only Business!”

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