Make Sure Your RV is Properly Insured Before that Road Trip

Recreational vehicles are a great way to explore the country with friends or family. However, it would help if you understood that RVs need a unique insurance policy since they double as transportation and sleeping quarters. For this reason, insuring your RV is a bit different than insuring your car or home. So, before you take off for that fun road trip, make sure you have the right insurance policy for your RV. Here’s what to look for.

 

What to Consider

Depending on what state you live in, RV insurance requirements can vary. But most states require liability, collision, and comprehensive coverage. Since RVs are some of the largest vehicles on the road, they can do quite a bit of damage in an accident. Because of this, you’ll want to make sure you have proper liability coverage. You may even want to consider an umbrella policy to protect any savings or retirement funds in the event of a serious accident.

Comprehensive and Collision

Depending on what kind of comprehensive or collision policy you have on your RV, damage can be covered in different ways. It’s important to talk to an insurance professional to understand the coverage options fully. A quick conversation will help you decide what makes the most sense for you, your family, and your RV.

Total Loss Replacement Coverage

If your RV is totaled in an accident or stolen and not recovered, you’ll save yourself a huge headache and a lot of money if you have Total Loss Replacement coverage. This kind of policy ensures that you can replace your RV with a comparable new model.

 

Not sure what kind of coverage you need for your RV? Before you hit the open road, contact us at Leigh Agency. We can make sure you get the right policy right away.

Why You Should Review Your Boat Insurance Policy Every Year

Once you get a proper insurance policy for your boat, you’re set! Right? Well, not exactly. An annual review of your boat insurance policy is a smart way to ensure you’re still getting the right coverage you need at a fair price. Here are some factors that are considered.

 

What Is Your Boat’s Current Value?

The main reason why you should review your boat insurance policy every year is that your boat’s value could change. If you’ve recently put money into repairs or upgrades on your boat, your boat is probably now worth more money. However, as your boat ages, it could be worth less than when you originally obtained your insurance policy. An annual review ensures you have the adequate amount of coverage you need depending on your boat’s value.

Is Everyone Covered?

Maybe your teenager has finally come of age to drive the family boat. Or perhaps you’ve decided to loan your boat to your brother. An annual review is a great time to make sure all your boat’s drivers are covered.

What Are Your Storage Arrangements?

How, where, and when you store your boat can change the type of coverage you need. For instance, if you store it with a company in a boatyard, do you know if you need insurance if your boat is damaged while being stored? On the other hand, if your boat is stored on your property, you may need different coverage. Since storage situations can change from year to year, this is an important factor to consider in your review.

 

Do you have the right insurance coverage for your boat? Is it time to do a yearly review? Ask the experienced agents at Leigh Agency, and we’ll make sure your boat insurance policy is up to date and covers all your bases. Give us a call today!

What to do During Bad Air Quality Days

Are you aware of when there are bad air quality days in your area? If not, there are apps and alerts that you can easily find through your town or state’s website. There are certain things you can do on these days to reduce your exposure to poor air quality. The summer season usually has the worst air quality days due to the heat and humidity. However, it can happen in any season or weather condition. Here’s what to do during a bad air quality day.

 

What does it mean when there’s bad air quality?

It makes the air harder to breathe when you have a mix of high temperatures, wind, pollution, or airborne particles from a wildfire. It’s not necessarily safe to do things like running, jogging, biking, or exercising outside when there’s bad air quality. Since it’s harder to breathe, you won’t have much energy, and it could be dangerous to try to be active outside. If you have lung problems or concerns like asthma or COPD, this is an even more significant concern.

Stay Inside if You Can

Besides going outside to get to work or school, or whatever necessities you need, you should try to stay inside as much as possible on bad air quality days. Exercise indoors and limit your kids’ outside playtime as well.

Don’t Contribute to the Bad Air

Avoid burning wood, having bonfires, or even using the grill on bad air quality days. Instead, do your cooking indoors. Also, avoid using gas-powered yard equipment like lawnmowers.

Bad air quality days are nothing to be nervous or afraid of, and with a bit of planning, you and your family can stay safe and healthy. Don’t hesitate to visit your town’s online resources for more information on what to do, and not to do, on bad air quality days.

 

 

How to Avoid Frozen Gutters

You may not realize it, but frozen gutters could cause quite a bit of damage to your home. Once your gutters freeze, they can no longer appropriately drain water away from your property. This could lead to water damage, leaks, and many different water-related issues. Here’s how to avoid frozen gutters this winter.

 

Clean Your Gutters

Cleaning your gutters is an essential step to prevent all kinds of issues. Gutter cleaning is especially important if you have many trees surrounding your home. Leaves are the number one culprit of clogged gutters. So, it’s important, especially in the Fall, to keep those gutters clear of leaves and twigs. The best time of year to clean out your gutters is towards the end of Fall, after most of the leaves have fallen off the trees. However, it’s never too late to clean them out if you suspect an issue.

Salt Your Gutters

Using gutter-safe salt (not the rock salt you use on your driveway), sprinkle a thin layer in your gutters after cleaning them. This will help prevent ice buildup when the freezing temperatures hit.

Make Sure Your Gutters Are Sloped

A gentle slope is necessary for your gutters to enable a proper water flow to your downspouts. Flat gutters will clog frequently.

Roof Maintenance

It’s important to have your roof and gutters inspected by a professional roofing company every few years. The best time to have your roof and gutters inspected is in the Spring so that you can prepare for the cold and rainy months ahead. Be sure to have them thoroughly inspect your gutters and identify if updates are necessary.

Whether your gutters are clogging or not, you should always ensure your home is properly protected with a homeowner’s insurance policy that works for you and your family. Give us a call today to get the proper coverage.

How to Prevent Frozen Pipes

When temperatures drop, the risk of your home’s pipes freezing or bursting increases quickly. In fact, frozen pipes are one of the most common causes of property damage in the winter. Freezing pipes are not cheap to fix, either. Burst pipes could easily cost thousands of dollars to repair or replace. So, it’s critical to take some extra precautions when you know frigid temperatures are coming. Here’s how to prevent frozen pipes.

 

At-Risk Pipes

The pipes in your home that are most vulnerable to freezing temperatures are in unheated interior spaces like your basement, attic, or garage. The good news is that adding a little insulation to pipes in those areas is not very expensive. You could spend as little as 50 cents a linear foot at your local hardware store to prevent potentially thousands of dollars in damage.

Run That Water

Frozen pipes happen most commonly when people are on vacation because they’re not being used. When cold temperatures hit, make sure you’re running warm water frequently in your home. If you have a faucet in your home with exposed pipes, let a slow cold trickle run. Even a little bit of water can prevent freezing.

Don’t Turn Your Heat Down at Night

If you usually turn your thermostat down 10+ degrees overnight, don’t plan on doing that when the outside temperature plummets. Instead, keep the thermostat set to something within 5 degrees of the average temperature inside your home. It may be tempting to keep it low to save on energy costs but think of the expenses you’ll have if your pipes freeze.

 

Stay warm this winter, and remember to keep Leigh Agency in mind for all your home and family insurance needs. Our team is ready to take your call and answer your questions!

Winter Survival Kit For Your Car

Accidents, storms, and unexpected obstacles can pop up at any time when you’re on the road. And the outside weather conditions could make those incidents even harder to deal with. That’s why it’s so important to always have a winter survival kit in your car. Here’s what to include in it.

 

Extra Warm Clothes

If you break down and need to stay warm until help arrives, make sure to pack extra jackets, gloves, scarves, hats, and other warm clothes.

LED Flashlights and Batteries

Flashlights can be handy while changing a flat tire or navigating your surroundings at night. So be sure to include several small LED flashlights as well as fresh batteries in your winter survival kit.

Battery Operated Phone Charger

Cell phones are incredibly important in emergencies, so it’s essential to be sure you’re always traveling with a fully charged phone in the winter. Also, include an extra phone charger in your survival kit. A battery-operated charger allows you to charge your phone without having your car on. Just make sure it is graded to work in low temperatures.

Simple Tool Kit

You never know how or why you may need some tools, but it’s essential to have some on hand in an emergency. Include a couple of screwdrivers, pliers, an adjustable wrench, and some duct tape.

Jumper Cables

It would be best if you always had jumper cables in your trunk, especially in the winter. If your car breaks down and another motorist stops to help, an inexpensive pair of jumper cables could get your vehicle started quickly and easily.

First Aid Kit

A simple first aid kit with band-aids, gauze, antibacterial ointment, alcohol swabs, and over-the-counter pain medication could be incredibly useful in an emergency.

 

A little extra prep can make a big difference this winter. Be safe out there!

What to Do if You’re in a Car Accident

Car accidents can be incredibly scary, and sometimes it’s hard to think straight after experiencing something so traumatic. However, if you’re not hurt, it is important to do certain things soon after being involved in any collision.

Safety First

Before you worry about anything else, first check yourself and your passengers to ensure there are no injuries. If anyone is hurt, call 911 immediately. If no one is hurt and can move safely, get yourself and your passengers out of the vehicle and move to a safe spot.

Notify Police

Even if there is no serious damage to any vehicles involved, you still need to file a police report. In fact, in some states, it’s legally required. You’ll also need a copy of the police report if you plan on filing an insurance claim. When explaining the accident to officers, try to be as detailed as possible.

Exchange Information with the Other Driver

After you’ve concluded that everyone is safe and they’ve been checked by emergency personnel if needed, it’s time to exchange info. This is what you’ll need from the other driver before leaving the scene of the accident:

  • Full name and contact info
  • Insurance company and policy number
  • Driver’s License number and License Plate number
  • Model, make, and color of any other vehicle involved in the accident

Pictures, Pictures, Pictures

Pictures are vitally important when piecing together the details of an accident. Take pictures with your smartphone of:

  • Your vehicle from all angles
  • The other vehicle from all angles
  • Closeups of vehicle damage
  • Injuries of anyone involved
  • Damage to the road, street signs, or anything else at the accident scene

 

When you’ve done the above, it’s time to call your insurance company. The agent will make sure they have all the information they need to file your claim. Drive safe!

How Real Estate Attorneys and Insurance Companies Can Work Together

When it comes to the home buying process, everyone has a role to play. The real estate attorney’s role in a transaction is key. However, the insurance company can work together with the attorney, making both jobs a little easier. Read on to learn more.

 

What does a Real Estate Attorney do?

Although for most home buyers, the process of buying property does not involve going to court, they still need a real estate attorney. The real estate lawyer’s job is to prepare and review all the essential documents related to the sale, including the contract, agreements made with the seller, lender documents, title, and transfer documents. The real estate attorney will also be available to the buyer throughout the process to answer any questions and will most likely attend the closing as well. Occasionally, real estate attorneys will assist in the title process or help with the transfer of funds.

What is the insurance company’s role in a real estate transaction?

An insurance company is essential in getting the buyer the homeowner’s insurance they need to obtain a mortgage. Depending on the loan the buyer is approved for, they may need proof of insurance before the closing date. An experienced insurance company can determine what type of insurance is necessary and get the policy ready before closing.

How can the real estate attorney and insurance company work together?

Every party involved in a real estate transaction essentially works together to seal the deal for the buyer and seller. Specifically, the insurance company can consult the real estate attorney and vice versa if any issues arise or if the buyer has questions regarding the sale. The attorney can also work on the buyer’s behalf as the transaction progresses.

 

For any homeowner’s insurance policy questions, be sure to give us a call!

Why a Title Company Should Partner With a Reliable Insurance Company

During a real estate transaction, there are many different parties involved. Each party plays an essential role in the process. Two essential parties in the transaction are the title company and the insurance company. As a result, it makes sense for two companies from the two industries to build a partnership. Here is why:

 

The Title Company’s Role

When it comes to most real estate transactions, the title company plays several vital roles. They generally act as the combined agent of the buyer, seller, and insurance company. In some cases, the title company will also serve as an agent for the mortgage lenders. The company is not only responsible for reviewing the title. They also assist in issuing insurance policies, facilitating the closing, and filing/recording necessary paperwork.

Why The Title Company Should Partner With a Reliable Insurance Company

Obtaining insurance for a real estate transaction is crucial, and in some cases, required by law. When a title company is in any time crunch situation, they’ll wish that they had a reliable insurance company to help them solve any issue quickly and professionally. This is why working with a reputable, experienced insurance company is key. It could be the difference between sealing the deal and a deal falling through.

Furthermore, a reliable insurance company can help the title company by ensuring the policies needed are correctly in place and legitimate. Considering that the title company is responsible for facilitating the paperwork involved in insurance policies, it would be great to know that the paperwork is correct without going back to the insurance company for multiple corrections.

Are you looking for a reliable insurance company to partner with? Look no further than Leigh Agency. We have over 30 years of experience working with title companies on real estate transactions. You, and your clients, can rely on us! Give us a call today.

Maintenance Tips for Older Cars

If you own an older vehicle, you may have to pay closer attention to its maintenance schedule. If you take care of your old car, it could last you several more years. In fact, recent data shows that American drivers are keeping their cars longer than they ever had in the past. Here are some maintenance tips to get the most out of your older car.

 

Pay Attention to the Brakes

Your brakes are one of the most important systems in your car. Without a properly working braking system, you could put yourself and other drivers in danger. So, if you own an older car, be sure not to take any strange sound or feeling for granted. If you suspect there may be an issue with your vehicle’s braking system, get it checked out by a professional mechanic right away.

Change Those Tires

Just because you have an old vehicle doesn’t mean it should have old tires! Have your tires checked periodically. Since most older cars won’t be able to alert you when the air in your tires is low, you’ll have to check frequently. Also, be sure to replace your tires when necessary.

Check Your Steering and Suspension System

A problem with your steering or your suspension system could end up making your tires wear much quicker than they should. Make sure your steering fluid is changed regularly and that you have your shocks checked by a mechanic.

Change Your Oil on Time

When an engine ages, it’s even more important to keep it running smoothly with fresh oil. Check your owner’s manual for more detailed instructions. Most older vehicles require an oil change at least every 3,000 miles. Be sure to ask your mechanic what the best oil is for your car as well.

Use these easy maintenance tips to keep your older car running safely and efficiently for years to come!