How to Store Your Summer Toys for Winter

Fall is the perfect time to get your boat, motorcycle, RV, and other summer toys ready for winter storage.

When temperatures begin to drop, it’s time to think about storing your summer toys for the winter.  If you have a boat, motorcycle, RV, ATV, or other summer toy, then learn how to prepare them for storage today.  Follow this guide to get all your toys ready for winter storage.

Step 1: Cleaning

The first step in preparing your summer vehicles for storage is cleaning them thoroughly.  Make sure you clean the interior and exterior of all your summer toys.  As you clean, check for any damages that require repairs.  These issues should be resolved before storing your toys for the winter.

Step 2: Maintenance

Once you finish cleaning, it’s time to move onto maintenance.  Make sure you empty out any water that might be in the engine or plumbing system of your boat and RV.  If this water sits for too long, it will cause damage.  If there is any remaining gas in your summer vehicles, make sure you add some fuel stabilizer to your gas tank.  This will prevent the residual fuel from corroding your engine.  Finally, if you noticed any damage while you were cleaning, now is the time to address these issues.  Make sure your summer toys are in good condition so they are ready to use as soon as you take them out of storage next summer.

Step 3: Choosing a Storage Facility

Once your summer toys are cleaned and fully repaired, then it’s time to choose the right storage facility.  When looking for a storage facility, try to find one that has experience storing similar items.  You should also make sure to take a tour of the facility you are considering.  Look to make sure that the facility offers adequate security and make sure the units are dry and heated.  Finally, look for a facility that allows you to rent space by the month.  This will allow you to only pay for storage when you need it.

Follow this simple guide to make sure that your summer toys are properly prepared for winter storage.  Another way to make sure that your summer toys are ready for anything is to get them the year-round coverage they need.  To find the right policy for you, trust the experts at Stromsoe Insurance Services in Murrieta, California.  Contact us to get covered today!

Your Boat Inspection Checklist

Before you make the final purchase of that boat you have had your eye on for some time now, make sure that you look over it to make sure it is not inoperable and flawed. 

Boat insurance can help financially protect your boat from any covered incidents, but you must first check to see that there are no impending disasters. Here is your boat inspection checklist.

  1. A quick inspection.
    Are there any unusual stress patterns that you see on the stem, chines, and strakes? These are the portions of your boat that will take the majority of the impacts.
  2. Remove outboard cowling.
    Look for any signs of leakage. If you look past the head gasket and see a dry white residue, it should raise red flags.
  3. Inspect the wiring.
    Wiring that has shrink-sealed butt connectors are a good sign. Bare wires and wires connected using electrical tape is disastrous and may lead to future issues.
  4. Open the hatches.
    When you open the hatches and inspect inside, there are there two things you don’t want your senses to pick up: the smell of ethanol (gas), or the sight of standing water.
  5. Check all fluids.
    The fluids determine how efficient your boat could be. If the fluids are leaking or corroding the engine, you should consider another boat.
  6. Feel the upholstery. 
    The upholstery should be as dry as bone. If you inspect the upholstery and find that it is damp and moist, it is most likely teeming with mold and all sorts of nasty algal growth.

When it comes to the longevity of your boat, a proper inspection can find discrepancies. To protect it from the risks of the open sea, a boat insurance policy can give you the peace of mind that you deserve. Contact the experts at Stromsoe Insurance Agency for all of your commercial insurance coverage needs.

Making For A Worry-Free Summer On The Open Waters

Insuring Your Boat & Watercraft

The time has come to load up the trailer and get your boat back out on the open waters. As you prepare your boat and other mini watercrafts for the best time of year, it is important that you make sure you are properly covered. Without the right boat insurance and watercraft insurance policies, it is nearly impossible to enjoy the open waters without worrying about inadequate coverage. Gathered is all the must-know information regarding boat insurance so that you can be an informed vessel owner:

  • While you may have been misinformed that your homeowners insurance will cover your boat, it is important to note that you only receive a very limited amount of coverage and the size of your boat will determine whether or not you receive any.
  • Many new boaters assume that they do not need boat insurance if their boat is not valued at much, but this is far from the truth. Boat insurance offers much more than just coverage for your boat, as you need coverage against the many liability risks associated with the open waters.
  • Hazards that are covered by most standard boat insurance policies include fire, collision, theft, vandalism, lightning, and some incidents that happen on land.
  • Boat insurance premiums are dependent on a wide range of factors, including whether or not you will be going with a standard policy or a customized policy. There other factors of course, including extra coverage, increased coverage limits, the size of your boat, the value of your boat, and of course, which waters you will be navigating.

Contact Stromsoe Insurance Agency for all of your California boat insurance and watercraft insurance needs. To ensure that you feel confident about your boat’s security, we will custom tailor a policy that meets your exclusive coverage needs.

Insure Your Toys During Summer Time

Now that the summer months are finally upon us, people all over the country are lining up at docks to launch their WaveRunners, Jet Skis, and Sea-Doos. You have worked hard to be able to purchase your personal watercraft, so you must realize how important it is to purchase an insurance policy that will protect you financially. Here are just a few of the risks you take each time you take your watercraft out for a ride:

  • Damage due to crashing into another rider
  • Damage to another rider’s craft or dock
  • Damage done in transport due to an automobile accident
  • Negligence resulting in the injury or death of another person

Personal watercraft insurance will help protect you from situations like these. Typically, these insurance policies will continue to protect you and your watercraft, even if you have loaned it to another person. But wait! Pay close attention to every detail of your policy. There may be exclusions that will get in the way of the coverage you need. Here are a few examples:

  • Personal Watercrafts that have been adjusted to boost speed or performance
  • Using a personal watercraft after dark
  • Using a personal watercraft without a valid driver’s license

Many individuals assume that their personal watercraft is covered under their homeowner’s insurance. This is rarely the case, and when it is, often doesn’t provide adequate coverage. When searching for the policy that is suitable for your lifestyle, don’t forget to scour for possible discounts. You will likely qualify for multiple deductions that will save you a great deal of money.

If you have any insurance related questions, don’t hesitate to contact one of the top independent insurance firms in California, Stromsoe Insurance Agency! Stromsoe offers quality commercial and personal insurance policies that are sure to meet all of your insurance needs.

Insure Your Boat In And Out Of The Water

Millions of Americans take to the water each year during boating season, traveling the coastlines, rivers, lakes and canals. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of money buying and maintaining their boats. The need for insurance protection when the boat is on the water is obvious, but many boat owners question the need for it during the off-season. However, insurance is just as important when the boat is in storage as when the owner is using it.

A typical Boat insurance policy provides a package of coverages, including:

  • Damage to the boat, motor, and trailer
  • Damage to portable property used in the maintenance and operation of the boat, including things like anchors, life jackets, oars, tools, skis and surfboards, lights, and fire extinguishers
  • Damage to other types of property, including sports equipment, clothing, and other personal effects
  • Damage to equipment on shore, such as boat covers
  • The cost of recovering a sunk or stranded boat
  • The cost of emergency service and towing
  • Damage to non-owned or substitute boats
  • Loss of fishing tackle
  • Liability coverage for injuries or damages for which the boat owner is legally responsible
  • Coverage for injuries the boat owner or others on the boat suffer in an accident with an uninsured watercraft

A boat owner will need these coverages if their boat gets into a collision with another boat, or if thieves steal scuba gear from it, or if fire damages the motor. However, losses are still possible while the boat is out of the water. Progressive Insurance reports that nearly two out of every 10 boat claims it receives from northern states occur between Labor Day and Memorial Day, when most owners are not using their boats much.

Some examples of losses that could occur:

  • The building which houses the boat during the winter burns to the ground.
  • Vandals damage the boat in the middle of the night while it’s in the owner’s driveway.
  • A neighbor’s child, playing in the owner’s yard, runs into the boat stored there and injures his head.
  • Someone steals the boat and its trailer from the yard at a repair shop.
  • While the boat is stored in the yard, heavy snow melt causes a flash flood that damages the boat’s interior, including the mechanical system and the radio.

One of our Protection Coaches® can provide advice on the types and amounts of coverage a boat owner needs. We can also recommend insurance companies that have expertise in boating, good claims-paying practices, and reasonable prices. Insuring a boat all year round can be expensive, but compared to the cost of a large uninsured loss, it may well be worth the cost.

Here are 4 Easy Ways to Reach Us:

  1. Call 951-600-5751 or 877-994-6787
  2. Fax 951-677-6265
  3. Email – insure@siaonline.com
  4. Visit www.siaonline.com

Stay Afloat With Proper Boater’s Insurance

There are many hidden costs associated with owning a boat: Dock fees, general maintenance, and winter storage, just to name a few. One expense that boat owners should never skimp on is purchasing the best available insurance policy for their watercraft.

Because buying a boat is a huge investment, owners should protect their boat with comprehensive insurance coverage. Plans are often based on the type and size of the boat. Many Homeowners and Renters insurance policies provide limited coverage for property damage if the boat’s engine is less than 25 mph horsepower or if it is a small sailboat, but without additional insurance, no liability coverage is included.

Owners of larger, more powerful boats and yachts will need to purchase a separate insurance policy for their boat. The insurance company will take into account the size and type of boat, its value, and where the boat sails when drawing up the conditions and cost of the policy.

Separate boat and watercraft insurance policies provide much more coverage to the owner. These policies generally include loss and damage coverage to the boat’s hull, machinery, furnishings, fittings, and any permanently attached equipment, like a navigation system. Liability coverage is extended to:

  • Bodily injury to other persons
  • Damage to other’s property
  • Legal expenses associated with non-consensual operation of the boat
  • Medical costs for injuries to the owner and passengers
  • Boat theft

Policyholders can choose the liability limits of their plan, ranging anywhere from $15,000 up to $300,000. The deductible cost for property damage is $250, and it ranges between $500 and $1,000 for theft and medical expenses. Of course, policies can be individualized based on the boat owner’s needs. Other endorsements and coverages can be added to the policy to cover the boat’s trailer, fishing gear kept aboard the boat, and any other accessories. Also, make sure to ask whether or not the policy covers the boat while it is being towed.

Just as Auto insurance providers offer discounts to their policyholders, discounts for watercraft policies apply in certain cases. For example, insurance companies favor diesel-powered engines over gasoline ones because diesel fuel is more stable, making the engine safer to operate.

Other discounts are related to safety equipment kept on the boat. Having items like fire extinguishers approved by the U.S. Coast Guard and ship-to-shore radio equipment could reduce the amount of the premium. Also, completing a boater’s safety course offered by the Coast Guard Auxiliary, the American Red Cross, or the U.S. Power Squadrons can gain some favor with the insurance company.

Maintaining a clean boating record is just as important as being accident-free on the roadways, when it comes to lowering insurance rates. Premiums are usually discounted for every two years the boater goes without an accident or filing a claim. Bundling your Watercraft insurance with Homeowners and vehicle policies is another good way to save money on coverage costs.

A solid insurance policy gives boaters the peace of mind needed to set sail and enjoy the open waters. Nothing is more relaxing than knowing your investment is covered.

If you have any questions about your boat insurance, here are 4 Easy Ways to Reach Us:

  1. Call 951-600-5751 or 877-99-INSURE
  2. Fax 951-677-6265
  3. Email – insure@siaonline.com
  4. Visit www.siaonline.com