Outside the Box: Insuring the Things You May Forget to Insure

When it comes to the list of things to insure, everybody thinks of the standard things like home, life, and auto insurance. However, at some point it becomes necessary to insure things we might not always think of at first like motorcycles, boats, recreational vehicles, or other things that we have that other people do not have to worry about. You might think that you can get by without insuring these things, but it will put you at ease knowing that you are covered whenever you go out for a joy ride or go on vacation with your family. Here are some policies that you should make sure that you have before the next time you go out.

Other Vehicles

As well as your cars and trucks, you should make sure that you have insurance policies for your more non-traditional vehicles as well that way, should anything happen to them, you have coverage and can replace it, pay for damages, or pay any hospital bills that might come up as a result of an accident.

Motorcycle Insurance

Maybe you got your motorcycle so that you could take a joy ride every once in a while, or maybe one was given to you as a gift. Nevertheless, no matter how often you go hog wild, you should make sure to have a current policy on your motorcycle. Some of those, especially custom, cycles can cost thousands of dollars to repair if lost in an accident or stolen.

However, motorcycle insurance can protect you and make sure that that cash never comes directly out of pocket. Instead, motorcycle insurance policies work with you and for you to make sure that you have the protection that you need to get back on the open road again as soon as possible.

Boat Insurance

Going out on a boat can be such a fun experience, taking the family and having such a good time. Nobody wants a tragedy to strike while on a boat or anything bad to happen to the boat itself, but sometimes life just happens. In the event that something happens to your boat, boat insurance can help mitigate some of the costs that could come from boat damages.

Not only will some insurance companies insure your boat, but they will also cover several other features on your boat:

  • Boat covers
  • Docking fenders
  • Physical damages
  • Trailer coverage
  • Automatic fire extinguishers
  • Liabilities

Motor Homes and Recreational Vehicles

Nothing would make a weekend getaway worse than the lack of an ability to successfully get away. Whenever that happens, you can trust in RV insurance to help you still be able to have the vacation of your dreams. RV insurance can help you make sure that your RV is covered so that it can be enjoyed not just by you, but by future generations to come.

Whether the RV is damaged on the road or damaged at a specific campsite, RV insurance will have you covered and be able to replace and repair whatever part you need for your RV. That way, you can camp and vacation with your family in complete peace of mind and know that someone is looking out for you.

Service Insurance

Objects are not the only thing that needs insurance, but some services also require insurance like dental and health insurance. But there might be some types of insurance that you were unaware of that could prove very useful in your life.

Long Term Care Insurance

One type of insurance that would benefit you would be long term care insurance. Long term care insurance helps you in case you fall ill, become injured, or become too old to properly take care of yourself so that you can have someone to make sure that you are cared for. While it might not be one of the first forms of insurance to cross your mind, it is important for even the youngest and healthiest people to value their lives and make sure that they stay safe in the face of aging and disease.

Such insurance can also help protect family members of people with this sort of insurance because that way they do not have to worry about taking care of their relative if anything happens and can just worry on being there to support them through a situation.

Disability Insurance

Disability insurance is an absolute must have for anyone that has a disability. Whether that disability impedes your ability to hold a job does not matter at some insurance firms, they will still offer monthly payments at a fixed rate that will not change at any time. With the option to get more disability insurance as time goes on if you need more, disability insurance is flexible to meet whatever different needs that you may have.

Disability insurance can help people who have physical and / or intellectual disabilities make ends meet and can make things easier on both them and the members of their families that would otherwise be responsible for them.

Never Forget Insurance

Insurance is always worth it, no matter what you are insuring. You can never spend enough money making sure that you and your family are safe at all times. Even then, there is an insurance agency out there that is able to give you the coverage that you want and need at a cost that you can afford. Hopefully, you are able to remember to have all of these things insured as well so that you and your family can have peace of mind when it comes to keeping you safe, happy, and healthy. Knowing that you can make ends meet and knowing that you will be paid for damages done to your belongings is a great way to make sure that you and your family are happy.

car insurance

A Healthy Car is a Happy Wallet: Tips for Car Maintenance So You Can Avoid Accidents and Auto Repairs

Making sure that your car is safe and well maintained is a major key for preventing some types of car accidents and for avoiding costly repairs if something breaks down. Making sure that your car is running smoothly is one way to give yourself peace of mind as you drive yourself and your family members around town. Have peace knowing that you are all safe and protected by your vehicle. These habits of a responsible, caring car driver will make your friends, family, and other drivers feel safe having someone as knowledgeable as you on the roads.

Take Care of Your Car’s Seasonal Needs

Every season brings a new challenge to the road: slick streets from summer storms, icy roads from a deep freeze, or potholes from the wild temperature fluctuations in spring and fall. Your car needs some seasonal changes in order to better handle these changing road conditions, and here are some ways to make sure that your car can maneuver these seasonal drives with ease.

Check Your Tires

In some places, winters are especially harsh and there tends to be a greater buildup of snow and ice. Those that live in more rural areas especially face the brunt of these tough road conditions. For these individuals that have to brave the roads, consider investing in some winter tires or chains so that your tires have better grip on the road. 

Loss of traction is one of the main reasons for winter accidents and those accidents can be especially pricey depending on the type of auto insurance that you have. You will want to make sure that your car insurance covers any type of damage that can occur, from property damage all the way to protecting other injured drivers.

Check Your Fluid Levels

Depending on what season you and your car are going into, you may want to check on different fluids.

  • In the winter, you will want to check your antifreeze levels
  • In the summertime, you will want to check freon, water, and coolant levels
  • In fall and spring, check your oil and transmission fluids

While it is always a good idea to check the fluid levels in your car, checking them during these specific times of year can help you avoid seasonal accidents that plague so many more careless drivers. Make sure that your car always has the right amount of everything that it needs to avoid being caught on the side of the road needing oil or some other essential fluid.

Year-Round Car Care

Some things need to be done throughout the year to avoid any other incidents with your car. These maintenance issues do not discriminate or get worse based on each year that passes. Because of that, you should check these out year round to make sure that your car is in peak driving condition at all times.

Keep Up with Insurance

Insurance payments come throughout the year, and they are just as important to keep up with as maintaining any physical aspect of your car. It may be a good idea to price check your insurance and make sure that you are getting the perfect coverage for your car at the rate that you are paying.

It is against the law in many places not to have car insurance, which is yet another reason that keeping up with it is a crucial component to vehicle care and maintenance. By being insured, you protect not only yourself and your car, but any other drivers on the road in case you get into an accident. That peace of mind should be worth any price.

Check Your Brakes

Brakes are arguably one of the most important features on a car. Without them, nobody could slow down or stop to avoid crashing into other people, cars, and other objects. Because they are such an important feature of your car that you use every single time you drive, it is good practice to get in the habit of checking your brake pads and make sure that they are not showing signs of wear and tear. 

If they are, then it is the perfect time to have a professional mechanic install some new brake pads for you so that you can drive in safety, comfort, and peace of mind knowing that you have good brakes. 

Change Your Spark Plugs

If you notice problems within your engine, it is likely due to spark plug issues. Have a professional auto mechanic investigate and see if your spark plugs are ready to be changed so that your car’s engine can be back up to one hundred percent health in no time at all. 

The best ways to tell whether or not your spark plugs need changed are to listen to your engine for signs of engine wear and by also checking your car’s fuel consumption. Whenever spark plugs are about to go out on a car, your car will start needing more gas than usual. Pay attention to how much you keep having to fill u[p your car, and if you notice a change in your fueling pattern not caused by a change in your general driving pattern, then it is time to have your spark plugs looked at by a professional.

Stay Safe in a Healthy Car

Cars that are well maintained, happy, and healthy are some of the best cars to drive. Then you can drive with peace of mind knowing that you, your family, and even the other drivers that you share the road with are safe because you take care of your car, Never worry about breaking down on the side of the road with a well maintained car and know that you can not only take care of yourself and your own car, but that you can rescue others who may need help if need be.

home insurance

Home Improvement: When It’s Okay to DIY and When to Call the Pros

When it comes to home improvement projects, the challenge of doing it yourself is what’s appealing to you. Sure, you could hire a professional to do it for you but tackling the project on your own will not only save you money but it will also give you a rewarding feeling of accomplishment to brag about. Imagine someone giving you a compliment on a particular home improvement project and being able to say “thank you, I did it myself!” It’s at that moment that you’ve given yourself the title of an expert after accomplishing one DIY project.

The advancements in technology have given people the idea that they can become professionals with certain home improvement projects just by watching videos on Youtube. They’ll look at these videos and feel like it’s simple enough and that they could do it themselves too! This is where homeowners misjudge their capabilities and end up in the emergency room for trying DIY projects beyond their skill-sets and capabilities. For instance finding professionals to fit your kitchen is a much better idea than trying it yourself, on the other hand, cleaning your house instead of using a service is better value for money unless undertaking a more specialized job such as cleaning drainage systems and roofing, look here to find roof cleaning services as an example.

Unfortunately, these instances happen all the time, and as a homeowner, you should talk to your local agent about the coverage options available to you to give you peace of mind.

Use Your Better Judgement

If you think about it, it’s already too easy to hurt yourself doing simple tasks around your house… imagine the damage you can do to yourself when you throw power tools and tall ladders into the equation! The whole thing has to do with good judgment.

Most people tackle home improvement projects in the springtime. This is when homeowners like to spring clean but also want to save money while doing it. Saving money is what prompts them to take on DIY projects and that’s perfectly fine, but when it comes to these home improvement projects, you have to use better judgment and know when it’s okay to DIY and when you should hire a professional. Take a look at some signs that let you know when to DIY and when to call the pros.

When to DIY

Your project is small enough that you can learn it and execute it in a timely manner

Before taking on any DIY project, you want to make sure you take the time out to do your research on it. Research for your project might include watching tutorial videos and even consulting with experts… For a small enough project, if you’re willing to do the research and learn the steps it would take to safely execute the project, then you should be fine.

You look at your home improvement project as something fun to do, not work

Perspective is a real thing. When you look at your home improvement project as something you have to do, it naturally forces you to somewhat rush to get it done. When you look at it as something you want to do and enjoy doing, you’ll take your time with it and do it right. If you enjoy painting, then you may really enjoy a home improvement project that involves some form of painting and you’ll really enjoy and be proud of the finished product.

When It’s Time to Call the Pros

If any type of mistake you make can cause damage to your home or to yourself

Although there are several considerations to think about when trying to determine when you should hire a professional, this is really the most important consideration. This consideration requires you to sit back and really think about what you can potentially be getting yourself into with your home improvement projects.

If there’s any type of project you’re thinking about taking on that will cause bodily injury to yourself or make your home unsafe, then it’s not worth putting your life or your home at risk. Home improvement projects that can cause bodily injury if you try to do it yourself include:

  • Cleaning the gutters
  • Roof repairs
  • Carpentry and electrical work
  • Certain landscaping work

Luckily, if you do happen to experience injuries from these types of home improvement projects, there are insurance policies that will cover you. Again, there’s no project or task worth injuring yourself for or potentially damaging your home for… Yes, you want to save money but sometimes you get what you pay for, and that can be a good thing or a bad thing… make your money be well-spent.

home insurance

New Homeowners: What You Should Do Upon Buying Your Dream Home

Buying your dream home can be one of the most exciting times in a new homeowner’s life. Right after buying your dream house, though, there are some steps that you can take right away to make sure that your home is safe so that you can enjoy it for as long as possible. Between some initial maintenance and paperwork, these crucial first steps to home ownership can help make your dream last throughout not just your lifetime, but for generations to come if you so choose. Having a home is a large responsibility, but taking some of these steps as soon as you buy your home will make for a hassle free home ownership.

Initial Maintenance

Some homes, especially some slightly older homes, may require a bit of initial maintenance before you can truly start calling it a home. Nevertheless, even if your new home is brand new, there are some things that you will want to do before you move in or as soon after you move in as possible.

Fix the Little Things

In older homes that are recent purchases especially, there may be a few small fixer upper tasks that you want to get done before your home can feel like a home. It is better to do these either before you move in or immediately after you move all your boxes in. That way, you do not forget about the issue so that it cannot progressively get worse.

Some of these things you may be able to do yourself or with the help of a relative, but sometimes you need to trust professionals to do the work for you. Investing in professional help now can save you hundreds in repairs later if the problem gets any worse.

Do a Thorough Inspection

While you probably thoroughly checked out the house before you bought it, there are some other features of the house that you may want to check out before you move in and call it a home. Checking on the insulation of the house itself is a key first step in this process as well as making sure that there is nothing clogging the gutters. Then, check the insulation on the water heater to make sure it will retain its heat even on the coldest of nights.

Sometimes, through no fault of the realtor or of the buyer, these small things get overlooked in the buying process. As long as you check them out before you make yourself at home and have problems, you should have an enjoyable home ownership experience.

Keep It Clean

Before you bring in all of your own belongings and furniture, you should do some preliminary cleaning. This prevents you from having to clean around your own things after you move in since the stress of moving and the controlled chaos that comes with a new home can help clutter and dirt pile up quickly. Be sure to

  • Dust and mop any floors before moving in your furniture
  • Disinfect countertops
  • Clean windows
  • Vacuum any carpets and rugs that you have
  • Keep your things tidy and organized once you move them in so that you can more easily find them

Don’t Forget the Paperwork

Not everything that you should do when you first move in has to do with the physical house itself. There are some key pieces of paperwork that you should fill out upon moving into your first home that will also prevent future headaches.

Get Homeowners Insurance

Homeowners insurance can help you if anything happens to your home in any sort of natural disaster or if someone breaks into your home and steals your belongings. Find the best homeowners insurance policy for you and your family today so that you do not have to worry as much about what might happen tomorrow. 

Homeowners insurance is an excellent investment so that you and your family can have peace of mind in knowing that your home is safe.

Have Your Tax Documents in Order

When tax season rolls around or whenever your children start applying for financial aid, you are going to need some important documents from your home buying experience. Make sure that you keep all of them in a safe file for easy access and that you remember where they are at all times when necessary. 

You will need to keep track of documents such as the settlement statement, the 1098 Form, and any real estate tax receipts that you have from any part of the home buying process to make sure that you accurately represent yourself on your yearly tax return.

Make a Home Maintenance Checklist

If you feel inspired after your initial maintenance check of your home, be sure to write it down so that you can perform at least annual checks on those same things that you looked at when you first moved in to your dream home. This checklist should include some of the same things that you looked at when you moved in, like checking the insulation and the gutters, but also some other things that come with the wear and tear of a house like checking its foundations and making sure your doors and windows have good seals.

Maintenance checklists can save you hundreds in home repairs depending on how frequently and how in depth you go. Doing some of these in the spring along with your spring cleaning is a is a great way to make sure it gets done every year.

Enjoy Your Newfound Home Ownership

Owning your own home is a sign of a healthy, happy life. These are bound to be some of the best years of your life for you and your family, and you deserve the most out of these years. Maintaining your home both physically and financially through having homeowners insurance and by having all of your tax documents in order to reflect your home buying process well. Being a first time homeowner does not come without its challenges, but it is so worth it to be able to live in your dream home and to live out the life that you have always wanted.

spring cleaning

Spring Has Sprung: 6 Springtime Maintenance Must-Dos That Will Save You Money

Spring is an exciting time of year where everything comes alive. As the temperature starts to rise plants, flowers, and grass will start to turn green and will begin growing. Plants aren’t the only things that wake up, so does the bugs and even the weather.

Springtime in the midwest can be a bit rough. One minute it is cold and the next it is hot. The phrase “April showers brings May flowers” also feels very real. The first warm sunny day, you’ll notice that everyone is outside playing, exercising, and working in the yard. Spring is the perfect time to inspect your home and take care of a little spring cleaning. It’s time to get the vacuum cleaner, rubber gloves, feather duster and carpet cleaners out and wage war against all things dirt; see here for Bissell’s floor cleaning formulas –

Let’s take a look at a few things that should be on top of your to-do list. Many of these will even help you save money.

Clean and Inspect Your Windows

Your windows take a beating all year from the elements so as soon as it warms up, its a great time to inspect and clean your windows. Cleaning your windows is great for obvious reasons. Clean windows are pretty windows. Inspecting your windows will help you save money because you will be looking for any leaks that will cause you to lose air. Re-caulk any window that has damaged caulking.

Invest in Pest Control

Bugs and insects are coming out of hibernation and spring is the perfect time to take pest control measures before they are a problem. Fighting a pest infestation is much harder and more expensive than preventing it. If you need some helping getting the pests out of your house, visit to learn about the different options you have.

If you have landscaped around your home with mulch, think again. Mulch near the foundation attracts termites. Average termite damage costs homeowner’s $3,000, but that can cost much more than that. Termite damage isn’t typically covered by homeowners insurance. Be sure to ask your insurance agent to learn more about your policy coverage. Pest control for termites is inexpensive and can save you thousands. If you have been using mulch, try replacing it with rock or rubber mulch.

Besides causing structural damage, many pests pose a health risk. Here is a list of common pests and the risks they present:

Mice- Hantavirus (can be deadly)

Mosquitos- Malaria, Dengue, West Nile Virus

Roaches- Salmonellosis from salmonella, Dysentery

Ticks- Lyme disease, tick bite fever, and even allergy to meat

Clean Your Gutters

Gutters play such a big role in the health of your home. Your foundation is one of the most important and expensive structures on your home. Gutters are meant to funnel water down and away from your foundation. Without properly functioning gutters, rainwater will funnel straight to your foundation and can become eroded over time. That can be an expensive repair.

Clean Your Vents

Dryer vents are often forgotten but can cause quite the problem if not properly cleaned. Every year around 16,000 fires are caused from dryer vents. If caught quickly, the damage can cost around $5,000, but if missed it can destroy the entire home and can even be deadly. Cleaning your dryer vents is something that should be done every spring and every fall.

This is a good time to clean your heating and air ducts as well. This typically takes a professional to do the job. All year your vents suck in everything from hair, clothing fabrics, dust, dirt. Over time those build up and can affect air quality especially allergens.

Get Your Roof Inspected

A roof is the most expensive part of your home. A roof can easily cost tens of thousands, which is why it is important to stay on top of the maintenance. The help of a quality grand rapids roofing company can be the difference between a roof built to last and a roof that is becoming a liability for the rest of the home. Throughout the year, your roof will endure all of the elements. Hail damage is a common problem which can cause leaks. Most roofing companies will do free inspections. This inspection should be done every year. If caught early, you may only need a few shingles replaced, which is easy and inexpensive.

Spring is a great time to make a fresh start and enjoy the weather. This is the time to tackle your to-do list. Hopefully, this will help you stay on top of your home’s maintenance and will save you money.

car insurance

Driving in the Snow: 4 Reasons Why You Need Insurance

Winter is in full force. It has been dropping snow regularly and even ice in Marion, Illinois. Snow and ice can be picturesque, but deadly. If you are a stay at home parent or have a job that lets you have snow days, that’s great. For many of us, we have to work even when the weather is bad. Nurses, firefighters, police, and utility works have to battle the weather because lives depend on it.

A study of National Highway Traffic Safety Administration, says about 24 percent of car collision are weather-related and the government spends about $2.3 billion for snow and icy road control. Even with all of that money spent and the necessary precautions, it isn’t enough. You must prepare yourself, and have insurance to make sure that you are financially covered.

Here are a couple of reasons why you need insurance when the weather becomes treacherous.

The Cost of an Accident

No matter how carefully you drive, mother nature is in control. In 2018, a 90-car pileup occurred in Huxley, Iowa. That is 90 cars that needed to be towed and repaired. Let’s say that each car had a very conservative $4000 towing and repair bill. That accident alone would be $360,000!

Cars and Passengers Only

In 2015 a 150 car pile occurred due to snow. Using the conservative figures above that accident would have cost $600,000. The cost of those accidents was much higher because most vehicles had both front end and rear end damage.

That doesn’t take into account the injuries of the people involved. An average whiplash claim is $10,000 and can even reach $30,000. If even half of those 90 people filed a whiplash claim that could be $450,000.

Whiplash claims are much smaller claims because they are considered soft tissue injuries. Broken bones and any claim where a victim had to have surgery gets really expensive, really fast.

Anytime there is an injury the driver at fault is responsible for work missed and pain and suffering.

According to, a motorcycle driver was awarded $1,175,000 when a car pulled out in front of him resulting in a broken collar bone and ribs. The motorcycle driver required surgery. That claim was for one person. Imagine that an injury like that occurred with four passengers. That is $4,700,000 for one accident.

If you have been injured in an accident then you will want compensation too, which is why websites like exist to help you if an accident wasn’t your fault.

Other Property

Not every accident occurs on the interstate. Many accidents occur in residential neighborhoods. That means a whole new problem, property damage. What happens when your vehicle slides into a home. That becomes a nightmare.

We’ve established that car repairs are about $4,000. Let’s say that you have one passenger with you that files a whiplash claim. You are up to $14,000. Now, because you crashed into a home, that figure is going to skyrocket. You will have to pay to repair their home which can be $30,000 plus. Anything else that was damaged like furniture, will need to be replaced. Next, you will have to pay for them to stay in a hotel, temporarily while they look for somewhere else to live while repairs are being made. They may need somewhere to live for 3-6 months while their home is being repaired. While they are in a hotel you will be on the line for their meals. You could be looking at a bill of $100,000. Most people do not have an extra $100,000 to give.

Those drivers that have insurance only have to worry about healing and having their cars repaired. Those without insurance experienced financial devastation. Using the stats from above. If an uninsured motorist was responsible for two vehicle repairs and one whiplash settlement, that could be $18,000. That increases significantly if there were multiple passengers.

What Can Insurance Cover

Insurance coverage differs from company to company and the coverage of the policy. You need to speak with your insurance agent to see what your coverage is and if it is enough.

Typically insurance covers:

  • Damage to property
  • Personal Injuries
  • Towing
  • Medical Bills
  • Attorney and Legal Fees
  • Lost income
  • Pain and Suffering

Hopefully, if you didn’t understand the severity of even one auto-accident, you now know just how bad things can get and how quickly. Even if you are prepared with tire chains and four-wheel drive, sometimes it is just out of your control. The only thing you may be able to control is your financial risk.

If you or someone you know has been injured on the road, you may be eligible to file suit for a personal injury claim. Nonetheless, the rising legal costs of taking a case to court can sometimes seem overwhelming. If you’re looking for a financial solution to getting your lawsuit off the ground, then personal injury lawsuit loans are available in most states. Researching these types of loans may be the first step in getting the compensation you deserve.

Ultimately though, we think that bottom line insurance is your best friend in the winter.

home insurance

Winter Weather: Why It’s So Important to Have Homeowner’s Insurance

Winter is such a great time of year. It can be picturesque when fresh snow has fallen. There are a lot of fun things to do like skiing, sledding, and ice skating. Another aspect people like is that you can splurge a bit during the holidays because winter fashion tends to be a bit bulky and can easily cover a few extra pounds.

But apart from all these, winter weather can easily be destructive and dangerous. According to statistics, around $1.2 billion worth of property damage was due to winter weather in 2017, which is significantly bigger that flooding and flash floods that accumulated property damage worth USD $100 million in the same year.

The amount of property damage caused by winter weather highlights the need for home insurance for the season. About one in 15 insured homes file a claim every winter. Here are a few reasons why it’s important to have not only have homeowner’s insurance but the right amount of coverage.

Frozen Pipes

Plumbing problems can quickly pile up and it can be expensive. It may sound and look like an easy fix, but in actuality, it can be a much bigger job. The damage that you have may require expertise and even special equipment. All of those things add up. Plumbers, tradesmen, contractors, you should protect yourself with something like handyman insurance from Tradesman Saver.

When the temperature drops below freezing temperatures, there is a potential for your pipes to burst due to freezing water. The repair amount can cost between $900 and up to $4,000 depending on the severity of your plumbing problem.

Imagine you are on vacation when a cold front moves in and freezes the pipes. A few days later, while you’re still gone, the temp rises and the pipes thaw. Now you have a bigger problem because the water is flowing. You can end up with thousands of dollars in damage. Insurance may be your only form of protection.

If this happens, coverage is key. Most policies will cover this type of damage. Be sure to talk to your agent before this happens.

Roof and Gutter Damage From Ice

Winter storms or even cold snaps can cause ice dams on your roof and gutters, hence, they are capable of causing damage once they reached substantial weight. It can take less weight than you think. Those beautiful, delicate icicles hanging on your roof and gutter can cause damage.

As snow and ice melts, it can cause water to leak through your roof and ruin your drywall and even your furniture. Imagine a damaged roof, with water leaking from your ceiling and pouring down your furnishing. It can be devastating. It can leave you in financial ruins if you aren’t insured. A homeowner’s insurance policy, even the standard one, can cover the necessary repair expenses for these types of property damage. You will need to work with your agent to make sure you are covered.

Roof Collapse From Ice and Snow

All the ice, snow and sleet on top of your roof can be quite heavy. There are different types of snow. One type is the lightweight snow that doesn’t pack. That is the kind of snow that doesn’t really make a snowball. The other type of snow, the kind that makes great snowballs, is the type that can cause damage. It is much heavier.

A roof in good condition can safely support a few feet of snow or about 20 pounds. Anything more than that can potentially cause the structure to fall apart and cave-in. A roof collapse is probably the most expensive damage because the cost to build a new roof is very expensive but you also will have to repair everything in the house that the roof landed on. Not to mention the water damage that can happen.

Apart from the accumulation of snow, fallen trees can easily damage your roof and other attached structures. The snow that has collected on tree branches near your house can snap and fall on your home. It can damage your deck, break your window or worst collapse your roof.

There are a few preventative measures you can take, like trimming your trees, but you can’t change the amount of snow that falls. Insurance is the best thing you can have. Insurance can cover damages, loss, repair, or replacement. It all depends on the coverage of your policy.

Personal Injury From Slips on Ice

In the winter season, not only is the air cold but the ground becomes slippery and it can be dangerous. One wrong step can lead you to the emergency room for a head injury or broken bones. And we all know that a visit to the hospital means money.

Also, don’t forget the danger brought by the icicles hanging on your gutter. Any form of vibration can easily make them fall and unfortunately hurt someone. Having homeowner’s insurance can mitigate these kind of expenses from people visiting your home. They usually fall in the liability coverage of your policy.

A standard homeowner’s policy, once you are proven legally responsible for someone’s injury that happened in your property, can help cover medical bills, lost wages or even legal fees. If a lawsuit is filed the attorney fees alone can be in the thousands.

Sometimes in the winter damage can occur that isn’t preventable. You’re best bet is to have an adequate policy that fits your needs. You should talk to your agent to discuss your needs and options.

Auto Insurance

How Auto Insurance Can Remove the Stress From Stressful Situations

We’ve all been in tough situations before, as far as our cars are concerned. Those tough situations always seem to come at the wrong time too (as if there ever is a good time for car troubles), but it is experiencing those tough situations that make us learn lessons on the importance of having car insurance. Before committing to one insurance quote, it’s best to use a comparison site like Insurancequotes, Inc.

Everyone doesn’t have the luxury of being able to possess a car, so when you do have a car, you need to be a responsible driver, and take every measure you can to protect not only your car, but yourself. Every time you get inside your vehicle, you are putting your life, and the lives of other motorists, at risk. It’s somewhat scary to think about, but it’s the truth. Whether you’re just going up the road to the gas station, or taking a major road trip somewhere, you want to make sure your vehicle is covered.

When considering car insurance, there’s plenty you have to weigh and factor. How much will it cost me up front? How much will it cost me per month? What will be covered? What if I can’t afford it? All of those questions and concerns are very valid when it comes to choosing an insurance policy that meets your needs on coverage and on price.

Those concerns alone are all the more reason to sit and talk with a professional, experienced insurance agent to find the policy that will perfectly fit your unique circumstances. Doing so will help put your mind at ease with the concerns you have, and can certainly reduce the stress that also comes with the privilege of driving. Take a look at how having car insurance has gotten many people out of sticky situations.


No one is a perfect driver, and you run the risk of getting some type of ticket every time you drive your car. Whether you get caught running a red light, speeding, or doing an illegal lane change, for many, there’s no escaping those red and blue lights. Those types of traffic violations usually warrant a ticket, but you could get an additional ticket on top of those for not having car insurance.

Typically, whenever an officer pulls you over, they’re going to ask for three things: your license, registration, and proof of insurance. You may be able to provide the first two, but if you can’t provide your proof of insurance, then be prepared for the added stress of an additional ticket on top of the other traffic violation. So, to play it safe, look into the different car insurance coverage options to meet your car driving needs.

Stuck on the Side of the Road

Being stuck on the side of the road, and having roadside assistance, versus not having roadside assistance, can make or break anyone’s day. It can make the difference in getting help within an hour or two, and getting help the next day.

People get stuck on the side of the road for various reasons. It can be the result of running out of gas, getting a flat tire, or something just going haywire with your engine. Whatever the case may be, the most important thing is safety – you being able to pull over safely, without injuring yourself or anyone else, and being able to get your car towed to a safe location.

Roadside assistance usually also covers locksmith assistance. Most of us have had it happen at least once in our lives: locking ourselves out of our car. Most of the time, you can look through the window and see your car keys sitting right in the driver’s seat, or still in the ignition.

This type of situation also normally comes at the worst possible moment. It seems as though you lock yourself out of your car when it’s cold or raining, or when you have somewhere to be. As mentioned earlier, there’s never a good time to have these car troubles, but it’s so convenient to be covered when you do have them. A good rule of thumb to keep when it comes to having car insurance is, It’s better to have it and not need it, than to need it and not have it.”

Car Accidents

Car accidents are the main reasons to have insurance. It covers you when accidents occur. Now, there are several different types of insurance policies that can meet your needs. A lot of people choose full coverage insurance. It really just gives you more protection to cover a wider range of different types of car incidents.

Full coverage insurance is a combination of different protections for you and your vehicle. If you’re financing your vehicle, most auto financing companies will require you to have auto insurance on that vehicle. If you’re not financing your vehicle, most states require you to have at least liability coverage on your car. If you’re in an accident that wasn’t your fault then any repairs needed for your car can be paid for by your insurance company. This means you are free to go to a law firm like and see if you can get compensation for any injuries suffered without worrying about how you’re going to repair your car.

The main thing is to have car insurance in general, because life happens, and you want to be prepared for whatever life may throw at you. Having the right car insurance that meets your needs is a great step in the right direction. But remember, if you sustain an injury from a car accident, and you’re a resident of the Morristown area of Tennessee, you may want to consider getting in touch with Morristown Car accident lawyers to help you with a claim.

rv insurance

Your Guide to The Fundamentals of Recreational Vehicle Insurance

When it comes to hitting the open rode, and bringing the comforts of home while you explore the highways and byways of American, there’s nothing better than an RV. Whether your trip will take you 15 miles or 1,500 miles, your RV is your ticket to seeing all of the places you’ve always dreamed of going, and bringing the comforts of home with you, all the while. But as with any other type of vehicle, you need to take steps to protect yourself. Natural disasters, collisions with wildlife, wear and tear, an accident with another vehicle – these are all risks having an RV entails.

With so much potential for disaster to strike, you need RV insurance to protect both your family and your investment. But with a multitude of insurance agencies, and different types of policies available, how can you ensure that you’re getting the right policy that will keep you and your family safe? Read ahead to discover the fundamentals of RV insurance, and learn about the critical areas you need to know before you make a decision.

What is RV Insurance?

RV insurance is a policy,  provided by an insurance provider to a consumer, that protects their trailer, camper or motorhome by agreeing to pay out in the event of damage or loss. Different policies offer different types of coverage, dependent on the RV owner’s needs and desires, to safeguard a vehicle, and provide peace of mind during vacations and long drives.

If you drive an RV, you will have to obtain liability coverage, since both federal and state laws require you to have vehicle insurance to drive legally. In almost every circumstance, any kind of motorhome, any RV that is still under loan, and any rental RVs, will require insurance. In certain states, you may not be required to get RV insurance if your RV is tow-only, and you completely own the vehicle (i.e. have paid off your loan).

What Does RV Insurance Cover?

Insurance for RVs cover some of the similar risks that car insurance provides, such as collision coverage, liability coverage, and extended coverage. You will also be provided with additional security for your private possessions on board, equipment, and other accessories installed in the RV, such as a satellite dish or canopy. Depending on your how much risk you’re willing to assume, you can opt for additional coverage, including overall replacement, emergency expenses, and vacation coverage.

How Does Insurance For RVs Work?

Insurance for your RV will safeguards you as an RV owner from extensive costs in the event of a loss or damage, even if you are the one to blame in an accident which causes injury or damage to property. It can also give coverage for your expenses if your RV ever breaks down on the road. Below are some problems you could encounter during an RV vacation, and how an RV insurance would possibly cover it:

  • If you have uninsured/under-insured motorist coverage, and another car crashes into you, but that driver is not insured, your insurance provider will pay for full/partial damages depending on the company’s terms. The amount you will receive will also depend on how critical the damage is, your deductible amount, and the restrictions of your policy.

  • If you caused the accident, the other driver must file a claim with your insurance provider. Your insurance provider will pay the claim with the amount, depending on the terms your policy outlines for your liability coverage. You will have to pay for any damage expenses, injuries and other fees incurred beyond the limits arranged on your insurance policy.

  • If your RV is non-functional after the accident, and will have to be towed, your insurance policy will cover all or some of the expenses of towing.

  • If your RV is stolen, an animal caused damage to it, or is damaged by natural phenomenon, your extended coverage should pay for some or all of your losses, depending on the limits you have chosen in your insurance.

Is RV Insurance Important?

Like automobile insurance, RV insurance is mandatory in all states in the United States. All states also demand a minimum amount of insurance coverage to be able to legally operate a motor vehicle. In some states, they also require getting uninsured and under-insured motorists insurance. Once the minimum amounts of coverage have been set, you will determine the amount of additional coverage you want, and in what areas.

Be sure to determine how you will handle expenses if you get involved in an accident, and do not have sufficient coverage. You will be obligated for additional requirements if you’re renting the RV, if you live permanently inside your RV, or if you borrowed funds to purchase your RV.

What Coverages are Offered?

Collision Coverage

This will help you pay for any repairs or replacements needed for your RV, if it has been damaged because of an accident with another car or an object. Collision coverage may also cover the physical structure of the RV, and the features attached inside, such as sinks and installed TVs.

Extended Coverage

Damages to your RV can also be caused by other factors aside from a collision. Extensive coverage will help cover the expenses of repairing your RV if it is damaged by natural disasters. For instance, extensive coverage will help cover damages caused by floods. Read the terms of your insurance policy, or contact your agent to know what is covered in your insurance.

Medical Coverage

This helps cover medical bills or funeral expenses that you or anyone on your RV incurs as the result of an accident up to the limitations of your policy.

Contents Coverage

You may have noticed that your RV insurance also offers restricted coverage for all your personal possessions. Read your insurance policy to know about content coverage it provides. If you have homeowners insurance, the personal property coverage on that policy will also help cover your property while it is being stored inside your RV.


4 Reasons Why You Need Insurance

Insurance has become one of the most important parts of our lives and is now a crucial factor in safeguarding not only our well-being but every aspect of our lives. You may already be considering someone like One Sure Insurance, and we’re here to tell you that you truly do need to get insurance on the things you love. There are many different policies that are needed to be completely covered. You will need auto, health, life, homeowners, renters, and business insurance if you are a business owner. Each type serves a different, but very important purpose.

Here are some reasons why we need insurance:

Safety by Awareness

Insurance is not just about covering losses that arise, but also gives us the chance to prevent losses from happening. Insurance companies usually require assessments as a component of the process for coverage. This will help gauge how risky you are. Through this process you will be able to change or improve anything that made you risky.

For instance, if you are getting health insurance, if your BMI is too high, you will get a higher quote or the dreaded denial. Through this process you will be made aware of your health risks. Your insurance agent will help you understand what changes you may need to make.

Provides Security

Having insurance decreases the chances of incurring financial problems in certain cases of loss and accidents. An accident or theft could financially ruin you or cause a hardship if you don’t have insurance. Insurance gives us leverage against any kind of loss. That’s why business that specialise in delivery tend to be aware that companies such as constructaquote offers courier insurance, and they use these policies to protect their business against major losses.

Life insurance guarantees that your family will be taken care of financially if something happens. If you are not equipped with any insurance and an accident happens, you are going to lose thousands in medical and repair costs, not to mention replacement costs on those belongings that were stolen or damaged. If you live in the state of Michigan, consider Michigan life insurance rates offered by Affordable Life USA.

Commercial insurance will help protect your business by keeping it operating smoothly in the event something happens. It will help you avoid losses.

Health And Wellness

With today’s increasing risk of diseases and expensive medical bills, having insurance gives protection against these illnesses and expenses incurred from hospitalization. From the business point of view, equipping your employees with health insurance will be a priceless resource that will attract more and retain more of your best employees. It also makes your institution a lot more charming if your insurance coverages are better compared to your competitors. It is not uncommon for employees to stay with a company if their health care benefits are cheaper and a more convenient.

Most insurance companies will give you tons of resources to better protect yourself, your home, and belongings. Some of these tips can be lifesaving.

Peace of Mind

Having insurance gives you peace of mind since you know you have a safety pad to rely on. It gives you a precious tool to aid you achieve your goals in life such as buying your own house and securing your children’s future.