Jet ski - Spencer Insurance Agency, Inc

Check out the Summer Tips Section of our Website

nj-costal        boat and jetski

Take a look at the Summer Section of our Website for some valuable Summer Safety Tips and information.  As you relax and enjoy the warm summer weather make sure you are not putting yourself at risk with your summer activities.

Did you know if you rent a personal watercraft that you probably have no liability or property coverage under your homeowner’s insurance?

Did you purchase travel insurance so you can be transported back home if you need medical care?

Are you renting a car for vacation this summer?  Are you packing up your children as they head off to college?

Check out the site to make sure you have the proper protection this summer.

Enjoy your summer and send us your pictures!

Happy Memorial Day! Check out the tips in the “Summer Section” of our website.

nj-costal

Your friends at Spencer Insurance Agency wish you a wonderful Memorial Day weekend.  We hope it is the start of a summer that will bring you some relaxation and recharging.

Please join us in celebrating our brave Men and Women who have given their life defending our freedom.  Make sure the veterans in your circle know how much you appreciate the risks they took, and how glad you are they survived.

As the unofficial start of summer begins make sure you check out the “Summer Section” of our website for some of these valuable tips:

  • Renting a car this summer. Should you buy the rental car company’s insurance?
  • Renting a Jet Ski, personal watercraft or boat this summer? Do you have any insurance on your homeowner’s policy?
  • Time to brush up your Teen Driver’s skills
  • Are you getting ready to send a student off to college? How will that affect your car and homeowner’s insurance?  Is “Their Stuff” covered?
  • Going on a trip out of the country? What happens if you get sick and need urgent medical care?  What if you trip is cancelled due to weather?  What if your luggage doesn’t show up at your destination?  We have Travel Insurance to give you peace of mind.  Check it out.

Have a great summer and as always don’t hesitate to contact us at 215-885-2200 or info@spencerinsurance.com to review your summer needs.

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!”

Are your “Summer Toys” properly insured?

IMG_5340

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 barbeque. There are a lot of summer toys like golf carts, trampolines, swimming pools, boats, jet skis, ATVs, motorcycles and motor homes, just to name a few.

Summer is the time to enjoy these toys, but make sure you have the proper coverage.  An accident with one of these toys can 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 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?  Just 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 your 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 this summer fun could be very costly! “Your Protection and Peace of Mind is our only Business!”

Let us know what you are doing to relax this summer.

 

Happy Summer! Stay Safe!

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Summer’s unofficial start begins this weekend.  All of us at Spencer Insurance wish you a Happy Memorial Day and hope you can take some time this summer to slow down, relax and recharge.

We continue to be here for you this summer.  Let us help protect those summer toys.

The hot summer days offer the perfect weather for boating and personal watercraft adventures.

It’s not a good idea though, to simply buy a Jet Ski or boat and then hop on it without some basic training on operation and safety. Taking advantage of any safety classes in your area not only keeps your family and friends safe but it could also result in insurance discounts for your boat or personal watercraft.

Some of the more basic safety tips for boat and watercraft operators include:

  • Complete a safety check of the vessel: Before operating your boat or Jet Ski you should complete a safety check. The details of your check will depend on the vessel you operate. In general you should check running lights, the accessibility of the fire extinguisher, that there are flotation devices present for every person boarding the vessel, and that there is no gas leak.
  • Wear a life vest: Even if you are an experienced boater and swimmer you should always wear your life vest. If you should become injured and unable to swim or tread water, a life vest can prevent you from drowning.
  • Observe the weather: You should avoid using your personal watercraft when there is lightning present. Also, make sure to monitor local weather reports so that you can get out of the water before a squall or storm hits and endangers you and your passengers.

When you are ready to begin looking at insurance options for your boat or personal watercraft, give us a call or contact us through our website. We can help you find a policy that fits your needs and your budget.

We hope you have a relaxing summer!

 

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