Tips To Get Your RV Ready for the Road

secluded RV campsite

RV Prep

There is no better way to see the country than loading up your family in your RV and hitting the road. To ensure that your RV is ready for its maiden voyage this spring, keep these RV spring preparation tips in mind.

  • Check the outside – taking a look around the entire exterior of your RV can alert you to any big issues you may have. Double check the caulking around all the doors and windows to make sure that it is not cracked. The smallest crack can be enough to let water into your rig.
  • Inspect the tires – look for any cracks on the sidewalls of your tires, as well as cracks between the treads. Cracks can mean serious danger on the road. Also, make sure that all the tires are inflated to the proper pressure.
  • Check the batteries – if you had taken the batteries out of your RV for winter storage, check to make sure that they still work. Clean off any terminals that are corroded with baking soda and hot water. Also, take a look at the battery fluid levels. If it has been a few years since you have replaced your batteries, it may be time to invest in new ones.
  • Clean the water system – completely flush out the entire water system to ensure there is no antifreeze left in it. After filling the tanks, check for leaks in the lines and faucets. Fix any small leaks to ensure that they do not turn into bigger, more expensive problems while you are on the road.

While inspecting your RV, you should also take the time to inspect your RV insurance policy to make sure that you have the right amount of coverage. Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your RV insurance needs for 2015.

Finding The Right Coverage Options For Your Motorcycle Insurance

Colorful motorcycles

Motorcycle Insurance Coverage Options

As the mercury in your thermometer continues to rise, it is the perfect time to pull your motorcycle out of storage to make sure that it is ready to hit the road. Before you head out on your first trip of the season, it is important to make sure that you are protected with the right motorcycle insurance policy. Keep these coverage options in mind so that you can help to provide the right amount of coverage for your bike.

  • Bodily injury liability coverage – if you are found to be at fault for an accident, bodily injury liability will pay for the cost of medical bills and lost wages of anyone else who was injured in the accident.
  • Medical payments – if you or your passenger were injured during an accident, medical payments coverage will pay for necessary medical expenses after the accident.
  • Property damage liability coverage – if you damage another person during an accident that you cause, property damage liability will cover the cost of repairs.
  • Personal injury protection – after an accident, personal injury protection will reimburse you for any costs that are associated with the accident, including lost income, medical bills, childcare, and funeral expenses.
  • Collision coverage – any damages that are done to your motorcycle during an accident will be covered by your collision coverage.
  • Comprehensive coverage – sometimes known as “other than collision coverage,” comprehensive coverage will pay for any damages to your bike that are the result of an incident other than an accident, such as fire or theft.
  • Additional equipment – typical coverage options will only provide coverage for a stock bike. If you have added on any after-market products, additional equipment coverage will cover the extra cost.

For all of your motorcycle insurance needs and to ensure that you have the right amount of protection for your bike this spring, contact The Insurance Shop in White Bear Lake, Minnesota.

Most Expensive Insurance Claims

Family protection

Pricey Insurance Claims Around the World

When determining your premiums, your insurance companies will decide just how much of a risk you are, and the higher your risk, the more you will end up paying for your policy. However, there have been some extremely expensive insurance claims that no insurance company could be prepared for. These insurance fun facts about the most expensive insurance claims can help put your risk level at a more acceptable rating.

  • September 11th – while there is no way to put a price on the real loss of September 11, 2001, insurance companies did have to payout more than $40 billion for claims including property damage, business interruption, life insurance, and many other claims related to disaster.
  • Japanese Tsunami – the earthquake and tsunami that hit Japan in 2011 caused enough damage to bring the total cost to just under $40 billion. However, some experts suggest that the real amount of damage was much closer to $100 billion, just not for the insurance world.
  • China’s SARS Outbreak – the SARS epidemic began in the Guangdong province of China, but soon spread to 37 other countries in just weeks. Insurance payouts for people who passed away from the disease, travel cancellation, and business interruption insurance claims reached around $1 billion.
  • Northeast Blackout – a blackout in 2003 affected 10 million people in Canada and 45 million United States residents across eight states. The blackout brought on a $6 billion insurance payout due to looting, business interruption, grounded flights, and other issues.
  • Indian Ocean Earthquake and Tsunami – the earthquake and tsunami that hit the Indian Ocean on December 26th in 2004 affected many countries, which lead to insurance claims exceeding $1 billion.

For all of your insurance needs and to ensure that you have the right amount of protection in case of any disaster, contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota.

The Most Expensive Car To Insure

Auto Insurance Premiums

When your auto insurance company is determining your auto insurance premiums, the faster your car can go, the more you will be paying each month. Nissan has recently released the most expensive car to insure on the road, the GT-R Nismo.

The 2015, 600 horsepower GT-R Nismo has a price tag of $150,000, and costs an average of $3,574 to insure each year. However, it is important to keep in mind that the actual cost to insure the GT-R varies from state to state. Someone driving the GT-R in Montana will pay around $6,600 a year, while someone driving the same vehicle in Hawaii will only pay just over $2,000 on average. The GT-R is followed by the 621 horsepower Mercedes-Benz SL65 AMG convertible and the 645 horsepower Dodge SRT Viper as the second and third most expensive cars to insure.

Since people who purchase vehicles with enough power to reach high speeds will most likely test their skills at some point, insurance companies have to charge higher premiums for the increased risk. The higher premiums also come from the much higher cost to repair these vehicles if they are damaged during an accident.

If you are looking to save money on your auto insurance rates, look for a vehicle that is inexpensive to repair and has a low claims history. Some of the cheapest cars to insure include the Jeep Wrangler Sport, Jeep Patriot Sport, and Honda CR-V LX.

No matter what type of vehicle you are driving on the road, having the right auto insurance policy will help to ensure that you stay safe from any unfortunate situation that you encounter. Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your auto insurance needs. We will work with you to ensure that you have the coverage that you deserve at the right price.

Protection From Rising Waters

Flood Insurance

Flood Insurance Basics

Your house is probably the biggest investment you have ever made, which is why choosing the right homeowner’s insurance policy is so important. However, your home insurance policy is not the only insurance policy needed to protect your home and assets, since it will not provide coverage for every situation, including a flood.

The only way to ensure that your home and personal belongings are protected in case of a flood is to invest in a specific flood insurance policy. When deciding on the right policy to meet your needs, it is important to keep in mind that flood insurance policies take 30 days to kick in, so if you are waiting until the first storm to invest in a policy, it may be too late. If your flood insurance policy is still in the waiting period when a flood hits, you will be left paying for the repairs to your home out of your own pocket.

The cost of a flood insurance policy will depend on many factors. The biggest factor that is taken into consideration when choosing the right policy is where your house is located. If you live in a high risk flood area, you will be left paying more for your coverage than if you live in a low risk area. The size of your house will also help to determine your premiums. The larger your house, the more it would cost to repair it after a flood, which means that you will pay more for your policy.

When looking for the right flood insurance policy that will properly protect your home, contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota. As an independent insurance agency, we will work with you to ensure that you have the right amount of coverage, all at the right price.

Advantages of Your Insurance Agent

How Your Insurance Agent Is Your Best Friend

Trying to find the right insurance policies to provide protection for you and your family can be very difficult. With the hundreds of policies to choose from, it is easy to get overwhelmed when picking the best one for you. Luckily, working with an independent insurance agent is like working with your best friend, and comes with many advantages, including:

  • They will help decode the insurance world – insurance policies have gotten much more complicated over the years, which is making it even harder to choose the right policy. Instead of trying to navigate the insurance world on your own, your independent agent will do it for you to make sure that you invest in the right policies that are specifically tailored to your needs.
  • They do not cost more – many people avoid working with an independent insurance agent because they believe that they will have to pay a higher price for their services. However, an independent insurance agents paycheck comes out from the premiums that you will already be paying for the policy, so you will not have to face higher out of pocket costs for their services.
  • They will be your one contact – since your independent insurance agent can handle any type of insurance that you need, you will only deal with them when looking for the right policy or renewing your policies. Having just one person to talk to will help to simplify and streamline the insurance process.
  • They can offer you more options – independent insurance agents do not work with just one insurance company, they work with many different affiliates, which means that they can offer you choices from all their affiliate companies to ensure that you invest in the right policy.

For all of your insurance needs and to ensure that your agent will help you find the right policy, contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota.