RV insurance - Spencer Insurance Agency, Inc

Are your summer toys insured?

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 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 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 or contact us from our website.

 

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.

Contact us today to check your coverage or get a second opinion.

Are your Summer Toys Properly Insured??

 

     

I feel this article is so important I want you to see it again this summer.  Many of you are having a lot of fun this summer but are unaware of the risks your are taking.  Pass this email on to someone you feel would benefit from the information provided.

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!”

Your friends at Spencer Insurance Agency, Inc.,

Stay Safe This Summer!

This week sees the official beginning of the Summer Season.  Here are a few Summer Safety Tips:

Water Safety: Tragic water accidents happen quickly. The most common reason for aquatic mishaps is a lack of safety knowledge. Below are some very important safety recommendations while staying cool this summer:

  • Learn to swim
  • Swim near a lifeguard
  • Never swim alone
  • Supervise children closely, even when lifeguards are present
  • Don’t rely on flotation devices, such as rafts, you may lose them in the water
  • If caught in a rip current, swim sideways until free, don’t swim against the current’s pull
  • Alcohol and swimming don’t mix
  • Protect your head, neck, and spine — don’t dive into unfamiliar waters — feet first, first time
  • No glass containers at the beach — broken glass and bare feet don’t mix
  • No beach fires except in designated areas — fire residue and superheated sand can severely burn bare feet — use a barbeque      that is elevated off the sand
  • Report hazardous conditions to lifeguards or other beach management personnel
  • Never turn your back to the ocean — you may be swept off coastal bluffs or tide pool areas and into the water by waves that can come without warning

Rip Currents

Rip currents are the most threatening natural hazard along our coast. They pull victims away from the beach. The United States Lifesaving Association has found that 80% of the rescues affected by ocean lifeguards involve saving those caught in rip currents.

A rip current is a seaward moving current that circulates water back to the sea after it is pushed ashore by waves. Each wave accumulates water on shore creating seaward pressure. This pressure is released in an area with the least amount of resistance, which is usually the deepest point along the ocean floor. Rip currents also exist in areas where the strength of the waves are weakened by objects such as rock jetties, piers, natural reefs, and even large groups of bathers. Rip currents often look like muddy rivers flowing away from shore.

Rip currents are sometimes mistakenly called “rip tides” or “undertows.” These are misnomers. Rip currents are not directly associated with tides and they do not pull people under.

Try to avoid swimming where rip currents are present, but if you become caught in one, swim parallel to the shore until the pull stops and then swim back to shore. If you are unable to return to the beach, tread water and wave for lifeguard assistance.

Stay at least 100 feet away from piers and jetties. Rip currents often exist along the side of fixed objects in the water.

Be aware of ocean conditions. Lifeguards are trained to identify potential hazards. Ask a lifeguard about the conditions before entering the water.

 

Boating Safety:  The U.S. Coast Guard provides many classes and safety tips for boaters.  We suggest you become familiar with boating safety laws in your state.  Check out the U.S. Coast Guard’s Boating Safety Tips.

 

Hot Weather Tips for your Pets:  The ASPCA has many tips on how to protect your pets during these hot summer months.  Check out the ASPCA site for these tips.  Don’t forget to care for your pets during these hot months.

 

Spencer Insurance wants to make sure you protect yourself and your family during these enjoyable summer months.  Make sure your family is properly protected during the summer.  Check with us about your boat, motorcycle and RV insurance coverage.  Go to our website for more information.

 

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