Category Archives: Boat Insurance

3 Benefits of Choosing ABI

What are the benefits of choosing an independent insurance agent from ABI (Al Boenker Insurance)?

We know that a lot of the time the question arise on what is the advantage of going with an ABI insurance agent rather than just going directly to a company to get insurance.

Here we tell you some of the benefits we usually hear fom our clients why they choose working with us.

1. Carry multiple insurance carriers = more options

At ABI we represent many insurance companies, therefore are able to shop around between tons fo carriers for you. In comparison, a captive agent partners with only one insurance company, limiting their. This allows us to find the best option that competely fits your needs in every single way. We save you time by not having to fill several applications to get a quote each time. We will evaluate all possible factors to accomplish the best rate for your exact needs.

2. Exceptional customer service

If you get in an accident and need help understanding insurance language, we are there for you. If you need to file a claim and not sure how to do it, we are also there for you. You need a fast reply regarding your policy, we are there for you. Our licensed professionals will provide you with their knowledge and guidance. They will be doing all the work for you. We are there for you for all your needs, and will make sure that the service provided is always fast and easy.

3. Being always the priority to us

We customize our options for you. Comparing it to a captive agent or an insurance company, we are able to evaluate and review your exact needs. There is no a one-size fits all, and therefore we need to find the right one for you. We understand you, as we are your neighbors. We belong to this community as well, and your coverage is our priority.

At Al Boenker Insurance agent we will make sure that you get these benefits that you won’t get anywhere else. That is why Al Boenker gotcha’ covered!

For more information on all of our services we offer for you visit thanksal.com

Learn if the amount of coverage you got is the right one.

What amount of insurance coverage do I need?

What insurance coverage do I need?

What insurance coverage do I need? Are you covered… Enough? Did you know that big life changes such as having a baby, getting married, buying a new home, or sending a child off to college may require you to adjust the amount of coverage?

Milestones are meant to be celebrated and are an exciting time in life. However, how would you like to find out that life’s most amazing moments could leave your household without the proper coverage? You wouldn’t buy a car without taking it for a test drive right. The same thing should be said about speaking with your Al Boenker Insurance Agent before an important change.

Adding a bedroom to the house may mean it’s time to re-evaluate your home owner’s policy to keep it up-to-date with the square footage. Or moving your college driver to another “garage,” is a sign it’s time to chat with your agent to determine coverage for a driver that is no longer living in your home.

Don’t let yourself get caught without the assurance your family is protected. Bring on all the major good-feeling moments life has the pleasure of giving us and speak with your Al Boenker agent today.

Also, this is a great opportunity to review that your policies are up-to-date and you got the best deal for your insurance needs.

Give us a call at 1-800-THANKSAL or visit us online at www.thanksal.com

Remember we got you covered!

ABI Outdoors: Boating Insurance

With the summer heat in full swing, it’s time to get the boat uncovered and ready for the lake. There is nothing more exhilarating than taking on the open water with the wind blowing and rays beaming. One thing that is not so appealing is Boat Insurance. What is it and how do you begin to know what the right coverage is? When it comes to insurance coverage for your boat,  an everyday runaround boat is similar to getting auto insurance versus a large yacht, which would resemble a small home insurance policy.

Here are a few tips on finding the right coverage and getting your boat ready for the water!

Why do I need boat insurance?

Unfortunately, your home insurance does not cover your boat. There is a slight possibility that your home coverage could stretch to a very small boat- most likely without an engine but not likely. Just like your vehicle is not covered by your home policy, neither are watersport vehicles. Why may you ask? A boat is a portable vehicle- not stationary. Your home policy is covering things that don’t necessarily move. If you are a new boat owner there is a possibility you could save on your boat coverage by bundling with your home insurance provider.

What is boat insurance?

Boat insurance can be looked at like a combination of auto and home insurance. There a few main things you need coverage for, then you have the extras. Similar to a home insurance policy, you will be covered if there is an accident or someone gets injured while riding in or operating your boat. Protection for the boat owner is there, similar to a homeowner. Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something. You can also add comprehensive coverage that offers theft protection, damage against fire or flood, personal property coverage for any equipment on the boat, uninsured boaters, damage to the trailer, and roadside assistance if you need to be towed. Consider these additional coverages if your boat is stored off-site or if you have a large quantity of gear or equipment. Check out a list of coverage here.

When is my boat covered?

So, your boat is covered regardless if you are in the water or not. The amount of coverage is what comes into play. If you are pulling the boat down the highway and are in an accident or back end to someone your auto policy takes over- but only the limits on that policy. There is a chance your homeowner’s policy will cover some accidents if the boat is parked on your property. If you plan to travel far out into the ocean there can be limitations on the distance you are covered. Check with your insurance agent if off-shore boating is going to be your main source of travel. In the meantime, a one-time policy can be purchased if you need to move your boat or if there is an indication of a natural disaster coming that will require the boat to move.

Know that you have a couple of boating insurance questions answered, download your spring boating checklist from DISOVERBOATING.COM and get ready to have a safe and fun boating season! 7914_DB14_Spring_Startup_Checklist

Give us a call at 1-800-THANKSAL (1-800-842-6572) or visit us online at www.thanksal.com to get a free quote and see how you can save while bundling your insurance.

Preparing for High Waters

Prepare for the flood. Most don’t begin to prepare until it is too late. Check out the seamless process and take the necessary steps to prepare for high waters beforehand.

Before the Flood

Elevate any electrical components that might cause a fire. Examples include heating units, air condition units, and wiring appliances 

Clear any debris from gutters and runoffs. Clean gutters allow them to work properly and alleviate access water from your home. Ensure the run-off area is clear, giving the water the ability to flow down instead of buildup in your yard or at the base of your home.

Fuel Tanks If you have fuel tanks or equipment with fuel inside- be sure to anchor them down. Additional fuel may be necessary for flooding situations but prepare to store tanks higher up and secure them properly.

Valuables If possible, move valuables to a safe place.

Ensure any documents that you might need are in a secure place and accessible if you need to grab them. Examples include birth certificates, insurance documents, passports, etc.) Invest in a safe deposit box if applicable.

Prepare a safety kit- include water, non-perishable foods, safety supplies (flashlights, medicines, first aid equipment, and a battery-operated radio. Kick it old school, have these items ready to go when you are.

Plan and practice a flood evacuation route. Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number (from fema.com).

Pet Plan Come up with a pet plan in case you have to evacuate. Many shelters will not take pets in for flood reasons. Ensure you have additional food and water for your animal and any necessary crates if you have to evacuate. Pet life jackets can be purchased here.

Check your insurance policy and make sure you have adequate coverage. 

Standard Home Policies do not offer flood insurance. Speak with your agent and ensure your policy includes flood coverage. Remember, flood insurance has a future effective date (usually 30 days out) so establish coverage beforehand. Flood insurance is offered to homeowners, business owners, and renters.

Know your risk of flood possibilities. Are you in a classified flood zone? Click here and input your address to see where you are on the flood map.

Conduct a household inventory. Take photos prior to the flood. Determine the value of your assets and store all insurance documents securely. The items will be of much value when it comes time to file a claim.

No one wants to be caught off guard with no time to prepare. As a family, come up with a plan that you’re confident with. Remember as much as you prepare and plan, the weather is always unpredictable. These steps are only here to give you peace of mind in case of an emergency.  Check out the complete guide to flood readiness here.

 

Home Warranty vs. Home Owner Insurance


Image source: hscwarranty.com

 

Buying a new home is one of the most joyous times in your life. It’s a huge milestone many dream of! However, as joyous as it is – the stress can easily pile up! From mortgage companies to home insurance, there are so many moving parts to the entire process. One thing that may not be on your mind is the damages your new home may one day face.

Repairing a roof from recent hail damage or replacing an outdated appliance- these are things that may come up. Depending on what needs to be repaired or replaced – and why – a home insurance or home warranty policy may offer protection. Both offer coverage but different types of protection. So, what’s the difference?

Home Warranty Insurance Covers the repair or replacement of broken appliances due to normal wear and tear. Examples include water heater, garage doors, air condition unit, dishwasher, and possible plumbing and electrical. A basic policy can range from $300-$500 a year. If a claim needs to be made the insured will call the warranty company which then sends a pre-approved contractor to inspect the damage. If the damages are covered, the homeowner will pay a $30-$50 deductible and the repair or replacement is taken care of and there are no additional charges. This process is very similar to an auto collision when there is damage and the adjuster comes out and accesses the damages, the deductible is paid, and repairs are made.

Home repairs can be costly. Replacing an entire water heater can cost up in the thousands. With your home warranty in place, you pay your deductible and the rest is taken care. The policy more than pays for its self in this situation. A home warranty policy is worth the while but is not required.

Some exclusions apply such as “covered under a manufacturer’s warranty” appliances. In this case, your contractor will help you determine if the appliance is still under manufacturer warranty.

Home Owners Insurance Covers theft of your belongings or if your home is damaged by fire. A standard policy helps pay for damage and repairs to your home or replace personal property during these types of events. However, homeowner’s insurance typically will not provide protection if, for instance, your air conditioner or other appliance breaks down or is defective.

 With your homeowner policy, you also get legal protection in case an accident occurs on your property.

It’s important to note that coverage limits will always apply. An Al Boenker Insurance Agent can help you determine whether you have enough protection in place should you experience a loss. Home warranty and homeowner offer different coverages that you may find beneficial- to determine what you might need talk with your agent today.  Give us a call @ 1-800-ThanksAl.