It’s Summertime, Are You Covered?

It’s summer and boy are we excited! The nice weather brings out motorcycles, campers and boats (oh my!), but with these activities comes increased liability. Take a look at why you should cover your summer toys:

  • Boat Insurance coverage may help pay to repair your boat and other watercraft after being damaged in an accident. It may also help pay to replace your boat if it’s stolen. This coverage usually helps protect a boat whether it’s on water or land.
  • RV Insurance covers similar risks to auto insurance, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories.
  • ATV Insurance offers protection in the event of a collision or other damages. It also includes bodily injury and damage to the property of others, if you are at fault in an incident. It can pay for legal expenses, as well as the medical costs of other people and the lost wages.
  • Motorcycle Insurance will help you keep your bike or scooter protected under liability coverage. Required in most states, liability coverage can help pay for another person’s medical bills or property repairs if there is an incident while riding your scooter or motorcycle.
  • Umbrella Insurance keeps you from having to pay out-of-pocket for costs that exceed the limits of your homeowners’ policy. This can be beneficial, for example, regarding accidental injuries on a trampoline or involving a swimming pool on your property.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:
“I had a good experience with this umbrella insurance query. Sarah Long is our agent and she always treats us as though we are her family- that is, with the best of care and attention.”       Anita Born – Murrieta, CA – Client Since 2003

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

JULY 2017 ISSUE OF THE PROTECTION COACH

The July 2017 update of Mike Stromsoe’s The Protection Coach® has arrived.  This issue is jam-packed with all the latest news and tips for clients and friends of Stromsoe Insurance Agency.

The Protection Coach® – July 2017 (Click Here to Download)

Inside this edition..

  • Welcome Our Newest Team Members—TWINS!!
  • Camper Trailer Tips
  • Want To Save Money? Check It Out!
  • Quick Tips: 4th of July Safety Tips
  • Our Client Of The Month for July is David & Christine Ripka of Ripka’s Equipment Repair.  Thank you so much for allowing us the opportunity to serve and protect everything you work so hard for.

The Essentials When Camping

Camping Tips To Make Your Outing Its Best

We are just now arriving at that beautiful time of year when the weather warms and tax season ends, inviting us all to shake off our stress and get outdoors. One of the best ways to take advantage of the coming months of great weather is grabbing the family and heading out for a camping expedition. When you do, use these camping tips to make the most of your time.

  • Fire: No camping trip would be complete without dinner cooked over an open flame and time spent around the campfire. Generally, 14 split logs should be enough to cook dinner over the flame and keep the fire stoked until midnight. Bring a little extra wood for just in case; you can always sell it to other campers instead of lugging it home.
  • Food & Water: Pack your cast iron skillet and choose recipes that can be cooked in the skillet and are based off of ingredients that can be stored at room temperature. Canned items are a great choice, and will save you valuable cooler space. Make sure each camper brings a refillable water bottle, and pack plenty of two-gallon jugs with waterspouts.
  • Shelter: Choose your campsite well. Do your research ahead of time so you can choose a site that will have the amenities your family enjoys, like a fire pit or picnic tables. If you are going to be sleeping in a tent, pop it up before you leave home to ensure there are no structural issues you should address before you go. If you are RV camping, make sure that your propane is hooked up and everything else is ready to go.

Is your RV ready to head out on the road for a summer of fun? To get the RV insurance you need to embark without worry, contact Stromsoe Insurance Agency. Our dedicated California team is here to protect your upcoming adventures.

Make Sure Your RV is Covered Before Heading Out for Summer Adventures

Whether you drive 600 miles a year in your RV (recreational vehicle) or 6,000, you need to have suitable insurance protection before hitting the road. Because insurance policies tailored to the needs of motor homes, recreational vehicles, fifth-wheels and/or travel trailers vary from state-to-state and policy-to-policy, it is important to insure your RV with at least the basics.

Most insurance specialists agree that Comprehensive coverage is a must, as it covers most direct, sudden, and accidental losses including those caused by collision, theft, vandalism, fire, smoke, landslide, windstorm, lightning and hail. You might also want coverage for RV awnings, satellite dishes, and other accessories. There are even policies that cover emergency expenses, including lodging or travel expenses home if the RV is damaged or destroyed by a covered loss while more than 50 miles away from home.

Look for an insurance policy that provides adequate campsite/vacation liability, coverage for when the RV is parked, and for when you are using the RV as a temporary residence. Because it protects the RV from costly depreciation, Total Loss Replacement coverage might also prove to be useful and is well worth the minimal added cost. With Total Loss Replacement coverage, the RV owner gets a new RV of similar kind and quality if the vehicle is destroyed within its first five model years. This is unlike standard Automobile policies that only pay the actual cash value of the RV at the time it is destroyed. You can also add Replacement Cost coverage on personal belongings that are stolen from the RV or destroyed while in the RV.

RV owners should also consider buying a special Stationary policy that offers extensive comprehensive and contents coverage if the RV is used as a seasonal or permanent residence. This includes coverage for liability, medical payments to others, and property damage claims caused by an accident for which RV owners may be held liable. Your Homeowners or Auto insurance policies might not cover exposures related to the use of your RV as a residence – even if just seasonally.

Because such special coverage policies vary from one state to the next and some coverages aren’t offered in all states, it is important to do your homework, or better yet, your “RVwork,” and find a policy that suits your travel needs.

Check with one of our licensed insurance protection coaches often to find out what coverage you have and need. Call 877-994-6787 or 951-600-5751, we’re here to ensure that you have exactly the coverage you need.