Below are four questions Home Insurance  and Auto Insurance that we receive often this time of year, and we thought you’d find these tips useful:

Renting a Car on Vacation?

If you have a personal auto policy in place, you may have liability and physical damage coverages that apply to the use of a rental vehicle. We can check on this for you.

If your credit card company offers rental car coverage as part of its membership benefits, you need to understand the specific terms. Many preferred credit cards, such as “platinum” or “gold” cards, provide secondary rental car collision-damage coverage, meaning it applies only after your insurance policy responds, so you would have to file a claim with your insurer first.

If you don’t have sufficient coverage through these sources, you may want to consider purchasing the additional insurance offered by the rental company.

Do You Have a Pool?

With the summer weather, a pool in the backyard can be an oasis. Be sure your Homeowners Insurance reflects the increased value and risk of a pool, particularly if you’ve added the pool after purchasing the home. You may also want to consider an Umbrella Policy for liability in case of any accidents or injuries.

Did a Family Member Graduate?

Graduation can mean a time of change. For example, the graduate may move into an apartment and need Renters Insurance. Or they could be home and driving the family car more. We can help you assess whether you need to adjust any coverage or add new insurance to ensure you’re properly covered.

What’s the Right Boat Insurance?

Some factors considered when insuring a boat are its length, age, type (power or sail), condition, and value, among other factors.

• Other key considerations include:
• Cruising Area – where you boat affects your cost
• Boating Safety Education – savings are often available for formal training, certification
• Good Driving Records – both boating and driving
• Liability Limits – the higher the limit, the higher the cost
• Deductible – the higher the deductible, the lower the premium

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We hope to see you there!