Tag Archives: spring

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.

 

 

 

 

 

10 Quick Home Maintenance Tips for Spring

quick home maintenance for spring season house in texas

After a “cold” Texas winter, the blooming wildflowers, warm sun, and cool breeze are, well, a breath of fresh air.

Do you want the good news for the bad news that comes with spring first? Well, they’re kind of the same thing. Its time to get outside and get to work getting your home in tip top shape. Here are 10 quick tips that will help you kickstart your home maintenance for spring here in Texas:

1.Roof Maintenance

You don’t need to climb up there yourself; with binoculars and a keen eye, you can typically spot trouble.

Do you see any shingle-shift, suggesting that some fasteners may have failed and need replacing? Any cracked or missing shingles? What about nail-pops, allowing water to get in where those nails are coming through? Take care of these simple, yet important things, to keep your roof in it’s best shape.

Click to Read -> Beginners Guide: What should I look for Home Insurance?

2. Home Maintenance for Chimneys

If you have a masonry chimney, check the joints between bricks or stones. Have any fallen out? Is there vegetation growing out of them? Each signals water infiltration. Also, look for efflorescence – a white calcium-like deposit that indicates your masonry joints are no longer repelling water but absorbing it.

Consider re-sealing masonry with a clear, impermeable or water-resistant barrier material. Brush it on, small areas at a time; let it absorb for 15 minutes, then reapply – it may need a few applications.

3. Take Care of Exterior Walls Before and Durign Spring

Whether you have wood siding, stucco or brick, look for trouble spots, especially under eaves and near gutter downspouts. Water stains normally indicate that your gutters are not adequately containing roof runoff.

If you have wood siding, check for openings, damaged areas or knots that have popped out, making way for carpenter ants, woodpeckers and other critters that may nest in or burrow through.

4. Windows Maintenance for Spring

Leakage around windows will bring in warm summer air and let cooled indoor air escape, so be sure to check that any caulking and weather stripping you have in place has remained intact. A tight seal is the first line of defense against air and water.

Spring-clean your windows – inside and out – with a store-bought or homemade window cleaner (one cup rubbing alcohol, one cup water and a tablespoon of white wine vinegar will work just fine) and either a squeegee or a soft cloth. Never use abrasive cleaners or a high-pressure spray washer.

Click to Read More -> 6 Home Maintenance Tips

You don’t want to scratch the glass or crack the caulking around each unit. If screens were on all winter, remove and clean them with mild detergent. Lay them on a dry surface, like a driveway to air-dry before putting them back on. Never power-wash screens as it could damage the mesh.

5. Air Conditioning Maintenance

Now is the time to make sure that air conditioning units are in good working order for the warmer months ahead. Change the filter, check hose connections for leaks, and make sure the drain pans are draining freely. In addition, vacuum any dust that has settled on the unit and connections; over time it can impact the air conditioner’s effectiveness.

If you suspected problems with the efficiency or performance of the unit last summer, now is the time to call in a professional to check it out.

6. Home Maintenance for Attics

Search for signs that indicate insects and critters have colonized. Also, search aggressively for mold, which often takes the form of gray or black blotches that look like staining.

Proper insulation and good ventilation will deter mold growth in the attic, so take action now to prevent the problem from developing in the warmer months ahead.

7. Clean Your Lawns

Rake the lawn to remove any branches, debris and leaves that you might have missed in the fall; if left, they can suffocate the grass beneath. During the winter, soil compaction, along with chemical changes altering your soil’s PH, may have left your lawn vulnerable to weed growth and other issues.

Even if you can’t see weeds, they are more than likely waiting for optimum conditions to propagate. If you want to prevent them from germinating, consider an organic herbicide; fertilizers are better suited to the fall.

8. Decks and Patios

Look for warped, loose or splintered boards, and do a good sweep to remove any leaves and debris accumulated in the space between boards. Whether it’s wood, plastic or composite, a deck should be cleaned every year to extend its life.

If the finish on your wood deck is faded or worn, now is the time to clean, stain, and reseal it. If you have composite decking, follow manufacturers’ recommendations on seasonal care. The same is true for wood and composite fences, pergolas, trellises and other structures. If you have a stone patio, a simple hose down provide be all the maintenance required.

9. Home Maintenance it’s also take care of Outdoor Furniture

If you stored your lawn furniture for the winter, bring it outdoors and give it a hose rinse, or wash it with a mild detergent. For metal furniture, check for signs of rust or paint erosion; a simple remedy of spray enamel will prevent further damage from sun, rain and humidity in the months ahead.

10. Make Time for Gardening

Time to have a little more fun! Go ahead and till your gardening area to break up the soil. Plant seasonal vegetables, such as beans, broccoli, apple trees, asparagus, tomatoes, and the list goes on.

Then, lay down a layer of good organic fertilizer. Also, take stock of your garden tools and lawn-maintenance equipment, including lawn mowers, trimmers and hoses.

Spring in Texas is a beautiful time of year! Take advantage of it’s energy by rolling up your sleeves, rounding up friends and family, and do a little spring cleaning!