All posts by Northeast Metro West Insurance

What You Need to Know About RV Insurance

What You Need to Know About RV Insurance

With summer in full swing and the pandemic not yet over, many people are looking for alternative ways to travel. Instead of hopping on a plane, many people are considering road trips. Traveling in a regular vehicle can get cramped and uncomfortable. People may be looking for something more comfortable, such as a recreational vehicle or RV.

RVs can make traveling much easier, but before you set off to buy one or put yours back out on the road, you need to evaluate your insurance. It is important to understand RV insurance, so you get the coverage you need and know exactly what is covered before heading out on your trip. 

What is RV Insurance?

It is different from car insurance because travel trailers, campers and motorhomes need custom coverage. You need to evaluate your specific needs and tailor the coverage. A professional can help you work through any questions you have to get the right amount of coverage. 

What does it cover? 

There are a variety of things that you can opt to include in your RV coverage:

  • Medical payments. 

If you or your passengers are injured, this type of insurance will help cover medical costs. 

  • Collision damage. 

If the RV itself gets damaged in a collision, this type helps pay for repairs. 

  • Bodily injury. 

If you get into an accident where others are hurt, this type will help pay for their injuries. 

  • Property damage. 

If your RV damages someone else’s car or home, this type will help cover repairs. 

Additional Information About RV Insurance

Here is additional information about RV insurance:

  • Cost.

You may wonder how much RV insurance is going to cost. There are a variety of factors that can go into determining this exact number. These factors are your driving record, age and policy details. 

  • Water damage.

If you are concerned about water damage, make sure to add it into your policy. It may not be automatically included. 

  • Motorhome vs. travel trailer.

Getting the right coverage for your vehicle is essential. A motorhome is a trailer with an engine. It can be driven on its own. A travel trailer needs to be pulled behind another vehicle because it has no engine of its own.

As you prepare for your upcoming trips, you want to be sure to have the right insurance coverage should something happen. Reach out to an NE insurance agent today with any questions. 

Why You Should Have Boat Insurance

Boat insurance is designed to protect you from paying a high price for accident-related issues and from other damages and injuries. Just like car insurance, is it a contract between you and the insurance company you choose, where you pay a certain amount every month for the level of coverage you want. If you have a boat, you should invest in boat insurance. It is essential that you have protection for such an expensive item.

What Does Boat Insurance Cover?
Boat insurance coverage depends on where you live, the insurance company you choose, and the kind of coverage you choose. Typically, most boat insurance includes:

  • Physical damage: Collisions with another boat or other objects in the water
  • Liability: Bodily injury or damage to the property of others
  • Personal property: Damage to items like cameras, stereos, clothing, etc.
  • Towing and assistance: If your boat is inoperable, you will be able to have it transported for repairs

Every boat insurance company is different, so you should discuss these details with your insurance representative to ensure that you purchase the right insurance for you.

Who Does Boat Insurance Cover?

Boat insurance will cover the people who are listed on your insurance policy. However, depending on your insurance company, there may be exceptions for people who operate your boat very occasionally, such as family members, significant others, and maintenance personnel. You may not need to purchase coverage specifically for these people unless they use your boat very frequently. To learn more about this, you should speak to an insurance representative.

What to Consider When Shopping for Boat Insurance

Everyone has different insurance needs. When you are shopping for your boat insurance and talking with agents, you should have an idea of the level of coverage you want to buy. Then, consider your budget, if you have special features on your boat that may need extra protection, where you store your boat when it is not in use and where you plan on using your boat. Also, consider how much money it would cost for you to replace valuables you keep on your boat. Knowing this information will help you choose the right boat insurance.

Contact NE Insurance Today!

If you are shopping for great insurance for your boat, vehicle, or home, contact NE Insurance. Our company has been in business since 1989 and represents 25 insurance carriers. You are guaranteed to find an appropriate and cost-effective plan through our carriers. Click here or give us a call at 800-443-7007.

motorcycle maintenance tips

Top Tips For a Smooth Running Bike

There’s nothing better than going on a blissful motorcycle ride! The wind in your hair, the sun on your face… it’s such a thrill! So, why not make your motorcycle as smooth as ever? Here are some tips for a smooth-running motorcycle!

1. Check your battery 

Keeping your motorcycle battery in good condition will help it last as long as possible. This will also help your bike last longer. You will also be saving yourself time and money in the long run. If you don’t know how to check the battery by yourself, don’t worry! It’s really easy to learn how. 

2. Make sure your tires are properly inflated 

Riding your bike with low tire pressure is a huge risk. Having the wrong air pressure in the tires can have a negative impact on so many things. It can affect the steering, the brakes, and even the fuel mileage! You should check your tire pressure daily to ensure that everything is fine. You never know you could run over something sharp and the tire pressure could drain very quickly. It’s better to be safe than sorry.

3. Replace the brake fluid 

Over time, brake fluid becomes less effective because it absorbs moisture. Your brakes are a really important part of your bike, and they ensure your overall safety. You should replace the brake fluid every one to two years. Also, while you’re at it, check on your brake pads and make sure they don’t need to be replaced. If you notice that they’re thinning, you will need to get them replaced soon.

4. Keep your bike covered!

Bad weather conditions can totally ruin your bike. It’s definitely better to keep your motorcycle in a garage, but if you don’t have a garage, covering it is okay as well. You should invest in a good quality bike cover. Just using a tarp or a blanket isn’t good enough, because water can get through and your bike can still get damaged. Bike covers are made to protect your bike in all kinds of weather and will do the job right.

Always take care of your motorcycle!

These are just a few tips for how you can take care of your motorcycle! These bikes are very expensive, and should always be taken care of properly. If you have any questions or serious concerns about your bike, you should talk to a licensed mechanic. 

If you have any questions about your Motorcycle Insurance Coverage please reach out to Northeast – Metro West Insurance. Our team members are here to help you understand and provide you with the best coverage options that suit your needs.

Spring clean up is a great time for a property assessment

Spring is in the air and for many residents, it’s moving time. Homeowners and property managers alike often take advantage of the warmer temperatures and fresh air to give their properties a thorough deep cleaning and complete all routine annual maintenance.

Spring is the time of year to budget additional funds for carpet cleaning, painting, cleaning supplies and general repairs and maintenance in your facility maintenance budget. You will also need to schedule everything with care to avoid conflicts with the new tenant interviews, background checks, and additional bank runs that are essential to moving people in and out of your property. Here are some tips for making your Spring Clean Up a quick and easy success. Continue reading Spring clean up is a great time for a property assessment

It’s Nearly That Time, Yes Boat Time!

Spring has finally sprung! The days have started growing longer and the temperature continues to slowly rise. For those of you who love spending time on the water, the time to get on your boat is near. If you’re eager to set sail, remember that advance preparation will prevent any problems from keeping you on dry land. Follow these steps to get as much time on the water as possible this year!

Perform boat maintenance

Every boat needs routine maintenance, but what exactly you need to do will depend on your boat. Check all the engine fluids and make sure everything is in working order, and have a certified engine mechanic tune up your engine. Check your other equipment like bilge pumps and water systems. Stock up on any spare parts that you might need on longer outings. Lastly, give your vessel a good cleaning to get her ready for your first trip of the season. Continue reading It’s Nearly That Time, Yes Boat Time!

tips for summer drives

20 Tips for Summer Drives

It is that time of year, vacation time. Are you preparing for summer adventures across several states? Not only do you need to have a plan for your summer travels such as what to bring, where you are staying, food, entertainment, and more you need to consider your long drive ahead.

We put together 20 tips to consider as you get ready for your trip that will help you keep your eye on the road and ensure a safe, happy and memory of a lifetime trip!

Continue reading 20 Tips for Summer Drives

7 Pool Safety Tips for a Fun Filled Summer

Summer is the perfect time to spend time with family and friends and to enjoy your pool. Create beautiful memories but, most importantly, keep safety in mind. Follow these seven tips to ensure everyone has a safe and happy pool season.

Continue reading 7 Pool Safety Tips for a Fun Filled Summer

boat insurance

Boating Safety Tips: Preparing for Spring Boating

Spring is upon us and it is time to prepare your boat for the first launch of the year. Reviewing boat safety is always a good idea before the first cruise of the season. This includes an inspection of your boat and the equipment you have onboard. You will also want to make sure all of your documents are up to date, as most marinas will require proof of boat insurance before issuing a slip. Here is a short list of tips to prepare for the upcoming boating season.

Continue reading Boating Safety Tips: Preparing for Spring Boating

spring safety tips

Spring Safety Tips

The weather is getting warmer,  trees and plants are beginning to bud and bloom, and soon enough spring will have sprung once again. Along with better weather and beauty, spring also brings with it potential safety hazards in and around your home. It’s a good idea to observe the following safety tips and prepare your home and property accordingly for the additional risks of springtime.

Continue reading Spring Safety Tips

dealing with identity theft

9 Tips For Dealing With Identity Theft

Identity theft is the term for what happens when a third party obtains your personal data and information that allows them to pose as you online. Typically, identity thieves apply for lines of credit or access your financial accounts and other sensitive information to steal as much of your money or open as many lines of credit as they can and leave you on the hook for their fraudulent activity.

Your personal data can be compromised if a financial institution is breached by hackers seeking to obtain usable identity information, and by the time breaches are discovered it may already be too late to save your credit. The good news is there are steps you can take to prevent yourself from being victimized by identity thieves. Here are 9 quick tips to protect yourself from identity theft.

Continue reading 9 Tips For Dealing With Identity Theft