Archives for 2014

Blog Posts For 2014

Valuable Tips When It Comes To Snowmobile Insurance In New York

While many people rue the onset of winter, to others this is one of the more magical times of the year. For winter sports enthusiasts that first covering of snow is a godsend, as it is time to break out the gear and rev up those winter recreational vehicles. In many states around the country it’s possible to get separate snowmobile insurance to make sure that you have all the risks covered. You don’t necessarily have to bundle this with other automobile insurance either, which can be an attractive proposition to some.

What type of coverage may be available to you as you prepare for the season ahead?

Firstly, you will want to get the best bodily injury and property damage liability coverage that you can get. The state of New York requires minimum liability coverage to ride on public lands or roads. Secondly, get comprehensive and collision coverage in order to protect the value of the vehicle. What about some level of roadside assistance coverage? This may be even more valuable when associated with this type of activity, as by definition it tends to take place in remote areas.

Think about snowmobile insurance coverage to pay medical bills in the case of unfortunate injury. Consider whether you need coverage to protect yourself against other individuals whose vehicles may be uninsured or underinsured. Lastly, don’t forget about the accessories. You may have additional electronic equipment or other devices fitted apart from what the manufacturer may have originally installed. You may well have a trailer in order to transport the vehicle behind your car or truck to some of those juiciest locations.

All your safety gear can add up as well. Get the best helmet you can afford, as well as layers of protective clothing. When you add all of this together see whether your standard coverage is adequate. Otherwise, it is possible to get additional coverage. Talk with your agent right now before you head out for your first winter session, to see that you have got all your bases covered.

While everything is looking new and ready to go get out your digital camera phone and start taking photographs. This way you will be able to identify any items that should be lost or stolen. Add these photos to digital copies of your receipts, in the event of a claim.

Were you surprised at the value of all your equipment and accessories when you did an inventory?

2014 is Here! Make a Resolution to Review Your Insurance Coverage

The arrival of the New Year is the perfect opportunity to assess your personal circumstances and your finances and make plans for coming year. A complete review of your insurance coverage should be an essential part of your planning. We will help you make sure you have adequate protection, and that nothing has fallen through the cracks.

Why Should You Review Your Insurance Coverage?

  • Your coverage should match your expectations. If you have a loss, last thing you need is a surprise about your insurance coverage. We can help ensure that no mistakes have been made, and that your coverage still meets your needs as your situation has changed over time.
  • A thorough insurance review will identify and address any gaps in coverage. We might find that you need additional coverage for certain items, or that you are over-insured for others. Perhaps you had a piece of jewelry re-appraised and you need to update your coverage amount for that piece. Or, maybe a new piece of jewelry found its way under your Christmas tree! Any new high-value items must be properly covered, now.
  • Do you need to change your coverage limits or deductibles for any of your policies? We can discuss how changing your coverage will impact your reimbursement in the event of a loss, and how changing deductibles will impact your premiums. We can recommend new coverage limits based on any changes you have made to your home or your lifestyle throughout the year.
  • We will work to identify discounts and other savings opportunities. Did your recently renovated your home, or has your teen driver received a “B” average or better on his most recent report card? Does your new car have added safety features? Do you pay your bill electronically? These are the type of opportunities that can provide savings on your premium.

This is also the perfect time for you tell us how we are doing! Let us know your opinion on the products and services we offer. Contact your United Insurance agent today to set up your appointment. You don’t want to wait until it is too late to make sure that all of your insurance needs are being met!