Safeguarding Your Snowmobile

Does Your Snowmobile Have The Protection It Should?

You know you need to insure your automobile, but you may see your snowmobile as a winter toy more than a vehicle and consequently not have thought about covering it. While not every state legally requires you to insure your snowmobile, smart owners know that it is important to cover this recreational vehicle. When you are deciding how much coverage to secure, consider these questions:

  • What Do I Need Covered? Do you want your snowmobile to be protected if you collide with another snowmobile or immovable object? Get collision coverage. Do you want it to get replaced if it gets stolen? Get comprehensive coverage. Do you want medical bills to be paid if someone gets injured out on the powder? Get bodily injury liability coverage. This may sound like a lot, but an insurance expert can help you discern what type of protection you should get.
  • How Much Does It Cost? Like most insurance coverage, the answer is- it depends. While you can get coverage for $100 a year if you want to stick with simple liability coverage, full coverage is still not a big expense. You can most likely secure full coverage for yourself and your snowmobile for less than $500 annually.
  • Are My Passengers Protected? If you regularly bring passengers along for the ride, let your insurance agent know. He or she will be able to help you cover your friend or family member on the back of your snowmobile.

Do you know how to protect yourself and your snowmobile this winter and throughout the year? Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your snowmobile insurance coverage needs. Our team of experts is here to safeguard your fun in the snow!

Tips To Avoid Ice Dams At Your Home

Glass toy house

Glass toy houseIce Dam Basics

As the cold winter weather continues to stick around, you may be dealing with water damage and leakage around your ceiling and exterior walls. While you may be thinking that it is time to replace your roof, there may be a very simple solution, look out for ice dams. Knowing how to spot and deal with ice dams will help to ensure that your home stays safe this season.

Ice dams are caused by heat that builds up in your attic, due to improper ventilation, which then warms your roof and melts the bottom layer of ice and snow that is sitting on top. The melted ice and snow then runs down your roof until it reaches a cold area (typically your rain gutters). The water then refreezes, causing an ice dam to form. As the process continues, more water builds up behind the ice dam, which can cause the water to leak into your home.

Luckily, there are steps that you can take to help prevent ice dams from forming on your roof, including:

  • Making sure there is adequate insulation installed on the floor of your attic to keep the attic and roof around the same temperature.
  • Checking the ventilation in your attic and installing soffit vents that are meant to vent air toward the ridge of your roof to prevent heat buildup.
  • Insulating or wrapping all heating ducts that are in your attic.
  • Sealing all openings from your home into your attic, such as light fixtures and chimneys.
  • Keeping all of your downspouts and rain gutters clear of all fallen leaves and other debris so that water can properly drain off your roof.
  • Do no use any sharp tools on your roof to remove ice since they can cause much more serious damage.

Having the right homeowners insurance policy will help to ensure that you have the right amount of coverage for any winter perils. Contact The Insurance Shop in White Bear Lake, Minnesota for all of your home insurance needs.

It is Time to Break Out Those Snow Shovels!

Snow on Driveway leading to home

Snow on Driveway leading to homeThe cold winter weather is here, and if it has not already started snowing at your home, it will soon. Although shoveling snow out of your sidewalks and driveway may seem like a bothersome task, it is essential to making sure that nobody is injured when they come to visit. Keep these tips in mind to help keep your driveway and sidewalk clear of snow and ice.

  • Remove snow in a timely manner – it is especially important to make sure that you shovel your sidewalk and driveway during a snowstorm since the compressed snow can easily turn to ice, making it much more difficult to remove. The job is much easier with less amount of snow on the ground.
  • Stay safe while shoveling – snow is very heavy, especially when there is a lot of it. Push the snow to the side when you are shoveling instead of lifting it out of the way so that you do not injure yourself.
  • Take advantage of sunshine – sunshine will melt ice, which will make it easier to clean up. Spread gravel or sand on icy patches before they fully form to help create more traction. It will also help future cleanup of the icy patches.

Keeping your sidewalks and driveways clear of snow and ice is the best way to prevent someone from getting injured when walking by your house. If someone is injured on your property, you can be held responsible for any medical bills associated with the accident. The injured party also has the option to sue you for more money because of the injury.

Having the right homeowners insurance policy is the best way to make sure that you are protected in case of an accident at your home this winter. Contact The Insurance Shop in White Bear Lake, Minnesota for all of your home insurance needs.

5 Easy Tips To Prepare Your Home For The Cold Of Winter

car winter

Fall is here and as the leaves begin to change color it may be a good time for you to begin changing your home and preparing for the ugly winter that could lay ahead. We at The Insurance Shop take your safety seriously and want to help you prepare your home for winter with these 5 easy tips.

  1. It is time to get your fireplace ready for the winter. If you have not cleaned your chimney in a while it may be a good time to call a chimney sweep to clean up that soot. A screen on top of your chimney can help keep pests and vermin out of your home this winter.
  2. Check your furnace to make sure it is working before the cold winds hit. A HVAC professional can inspect your furnace and clean out dirty ducts. Make sure to take out any flammable material and change out the filters of your furnace on a monthly basis.
  3. A clogged drain can cause water backups so make sure to clean out all the fall leaves and any other debris that may have accumulated in your gutter using a scraper and a hose.
  4. Check your doors and windows for any cracks that could expose your home to the cold weather outside. Weather stripping around doors is a great way to stop cold air before it enters your home.
  5. Prevent plumbing freezes ahead of time by insulating your pipes. Drain your garden hose and find out where your water main is in case of an emergency.

Preparing for the winter ahead of time is a good idea for any homeowner. Make sure you get the right insurance coverage to keep your home and family safe this winter by contacting The Insurance Shop.

We specialize in coverage for auto insurance, life insurance, umbrella insurance, cyber liability and home insurance. The Insurance Shop in White Bear Lake, Minnesota can help you with commercial liability exposure and answer any life insurance questions you may have. Contact us today to find the right coverage for your home at a competitive price.