Tag Archives: Spring Cleaning

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.






5 Home Maintenance Tasks for March

Spring is right around the corner (wait, did we even have a Winter??) and everyone is gearing up for warmer weather, March madness and pool parties. While the first day of spring isn’t for another two weeks, there’s still a lot of planning and preparation you can tackle to make sure you’re ready for the new season. Check out these 5 home maintenance tasks you should undertake in March.

Clean the Gutters – Although we didn’t see a lot of cold weather this winter season, it did have its fair share of storms and high winds. Because of this, your gutters are most likely currently filled to the brim with leaves, pine needles, and other debris. Springtime always brings about heavy rain showers, which is bad news if you haven’t cleaned the gutters out. Make sure you take care of this so that your gutters don’t get clogged and overflow.

Prep the Yard – Winter temperatures and weather conditions always take a toll on your lawns and gardens. Take these next couple of weeks to slowly work on bringing life back to your yard by cleaning up branches, leaves, and stones that have been dispersed upon your landscape. Afterward, you can prepare your yard for planting by mowing and laying down fresh soil.

Inspect the Roof – Your roof is another victim of poor winter weather conditions that you may want to check on before spring arrives. If any shingles are loose, worn or missing then it could result in leaks from spring showers that can cause major damage. Call a professional inspector if you have to cause it could save you a lot of money in the long run. Better to be safe than sorry!

Clean the A/C – It’s always a smart move to switch out your A/C filter when the weather transitions to warmer conditions. This can save you money and keep your system functioning properly. This maintenance check up will also ensure that your house is ready to adjust to the warmer weather.

Repair Outdoor Fixtures -Do a walkthrough with your walkways and driveways to see if there’s any cracks or divots that need to be filled and fixed up. Cold weather can sometimes break apart stone and concrete so it would be wise to eliminate the risk of any injury or property damage stemming from this issue.

Before putting these helpful tips to good use, 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!