Tag Archives: Spring Break

Boating Insurance 101

 

With spring 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, you can imagine that 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 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 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 or visit us online at www.thanksal.com to get a free quote and see how you can save while bundling your insurance.

 

 

 

 

 

Spring Break Stay-cation!

Spring break is right around the corner! Either you have big plans or have forgotten your kids are out for a week. Traveling with a family can be challenging and comes with a lot of moving parts. Request time off from work- try to decide on a destination- set a budget- make travel arrangements- plan who is going to watch the pets- shop for the trip- pack the entire household and pray you haven’t forgotten anything.

Spring break vacations can be costly and take a lot of planning. If you haven’t planned a trip by now, there’s a possibility the best rates are no longer available. Unfortunately, the early bird gets the worm on those deals. But WAIT! There is still hope for a fun week. You have time to plan a Stay-cation. It’ll be your new favorite thing!

So, what is a stay-cation? Just like it sounds, a vacation that doesn’t require much, if any travel. The point is for it to still feel like the family is off- together doing something fun. The chances are that your city has a few things to offer that you may have forgotten all about.

Here are a couple of staycation suggestions your family will love

  1. Spend the day at an amusement park- when was the last time your family went to an amusement park? This may be one the most expensive options on the list but this expense will for sure be a crowd pleaser with the kiddos.
  2. Visit a local museum- if your city has a nearby museum, now is the perfect opportunity to spend your money locally and check out the museum. You may learn something new and find out a lot about your town.
  3. Attend a community festival- during spring break cities usually put on some sort of festival. Check out the list of events happening in your area on your Chamber of Commerce website.
  4. Take a trip to the zoo or aquarium- the never disappoints. No matter how many times you have gone, it always is a crowd pleaser. Make a game of it- play iSPY or map out feeding times and get in on zookeeper interaction.
  5. Host a family board game tournament- invest in a few new board games and battle the family in a day-long tournament complete with snacks and drinks.
  6. Get Outside- buy some kites, bubbles, hula-hoops, a slip-n-slide, a bug catcher, or maybe camp out. There is so much to do in your own backyard. Host a Family Olympics and plan a full day of outdoor activities. Get some ideas here.
  7. Geocaching- if you have not heard of geocaching, it may be one the largest games of scavenger hunt in the world. Download the app and let the fun begin. The GPS will lead you to treasures that people from all around have visited and contributed too. Check out the details at geochaching.com.

There are several options to enjoy your spring break as a family without having to travel too far. Enjoy the time as a family and see what kind of adventures your gang can find!

5 Spring Break Safety Tips

Spring Break is just around the corner and many families are gearing up for their weeklong getaways. Whether your destination is out of state or a nearby beach, there are always certain precautions you can take to ensure a safe, fun time. Make sure that your vacation goes smoothly with these top 5 Spring Break Safety Tips!

Keep Track of Your Money – Before leaving, set a spending limit for your trip so that you don’t come home with an empty bank account. It’s easy to get carried away with spending while on vacation, which is why a set budget is a good safety net to control your expenses. There’s no need to have a lavish dinner every single night!

Prepare to Travel – Whether you plan on driving or flying, each method of travel takes a lot of preparation. If you’re traveling through air, make sure that you book an early morning flight and know what you can and cannot bring through security. If you’re driving, make sure you pick the time of departure wisely and give your car a check up to ensure that there will be no problems on the road.

Keep a Buddy System – If you’re traveling with kids, it’s crucial that you go over safety measures before arriving at the resort. Tell them to avoid talking to strangers and to always stay together with a phone handy in case of emergencies. You can also make a designated meeting spot in case the group gets separated.

Prepare for the Weather – Weather tends to be very bipolar and unexpected during this time of the year, so make sure that you pack accordingly. If you’re primarily going to be outdoors, apply the correct SPF leveled sunblock before heading out. If it’s supposed to rain, try and plan ahead some fun indoor activities that your family can take part in.

Safety First – If you decide to do an activity such as biking or boating on the ocean, make sure that your children are wearing protective gear such as helmets and life jackets. There’s no need to risk an injury when you have the necessary resources to prevent it. Also, make sure that they’re buckled up in the car at all times!

Before Spring Break arrives, make sure that all of your insurance needs are up-to-date. Give us a call at 1-800-Thanks-Al to have an agent review your policy to confirm that your auto insurance has the right amount of coverage for your family and your needs. We can also ensure that you are getting the best rate for your policy. You might even qualify for additional discounts, especially if you have your home insured through us!