Archive

Archive for July, 2020

Firepit Safety Tips

stockvault-burning-wood191775.jpg

(photo courtesy StockVault.net)

Fire Pit Safety Tips

 

Many people are opting for “staycations” this year because of the current pandemic gripping the world. Enjoying local lakes & ponds, local trails & scenic spots, even camping in their own backyard.

Of course you can’t camp in the great outdoors without a fire pit! Roasting weenies, making s’mores, watching the embers glow. Danger does lurk when working with a fire pit, we found this article from Beaumont Parenting with tips on keeping yourself, your loved ones, & your property safe when starting up your fire pit.

1) Check Local Ordinances. Some areas of the country are prohibiting “open fires” or burn barrels and may require a burn permit if they do allow them.

2) Watch the Weather. Windy nights are not a good time for campfires as they can blow sparks & embers into surrounding trees & buildings.

3) Don’t Get Sloshed. Alcohol & campfires go together like peanut butter & chocolate. Don’t overdo it and become impaired, you may put yourself and others at risk for injury.

4) Burn Properly. Use wood/paper/other combustibles used in conjunction with the fire pit. Don’t use it as an incinerator for trash. Certainly don’t put things like batteries or aerosol cans into the fire.

5) Fire Extinguisher is a Must. Make sure you have a fire extinguisher, a rake/shovel, or a large container of water handy to put out fires that begin to get out of control.

Be sure to read the full article at Beaumont Parenting for more tips on keeping you and yours safe while enjoying a fire pit.

 

 

Categories: Uncategorized

RV Buying Tips

stockvault-camping-site-at-night137751.jpg

(Photo courtesy StockVault.net)

RV Buying Tips

More and more people are purchasing recreational vehicles rather than spending money on air travel & hotel accommodations due to the recent Covid-19 pandemic. Hitting the open road and camping in nature is a good way to social distance while enjoying a relaxing time with family.

This article from Business Insider offers tips to those who want to enjoy the great outdoors in comfort…

Decide the Type of RV – from pop-up camper trailers to full-size Class A motor homes, figure out what you want out of your recreational vehicle experience. From there you can decide how big you want and what features will enhance your experience.

Know the Value – Do research before you commit to find out what the average retail price of the RV you are looking for. The article has a quote from the author of Camper Report stating that you should never buy an RV brand new.

Check the Tires – Whether buying brand new or used, always check the tires and replace them at least every 5 years. Even if the tread is still good, blowouts can occur.

Research the History – As with purchasing a new or used car, check the VIN for the RV you are looking at for its history. Check to see if it was in any accidents/rebuilt/stolen and if there are any recalls.

Beware of Scams – Never deal with an owner that requires a wire transfer or payment via check.
Of course we want you to check out the full article from Business Insider with even more tips on purchasing a Recreational Vehicle.

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at mvpinsagency@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Civil Unrest

stockvault-hello-hello-someone-039-s-on-the-phone-hello-answer-please257072

(Photo courtesy StockVault.net)

Civil Unrest

Peaceful protests are happening around the globe to bring attention to the issues of race & law enforcement. Unfortunately there are those individuals out there that use such protests to steal & destroy property without regard to the owners. This week we discussed insurance coverage for such events when it comes to personal home & auto.

A standard auto policy includes language to deal with various aspects of civil unrest. In order to have coverage for damage to your auto, you must have purchased physical damage coverage on the auto prior to the occurrence:

“A. We will pay for direct and accidental loss to your
covered auto or any non-owned auto, including
their equipment, minus any applicable deductible
shown in the Declarations. We will pay for loss to
your covered auto caused by:

1. “Other than collision” only if the
Declarations indicate that Other Than
Collision Coverage is provided for that
auto.

2. “Collision” only if the Declarations indicate
that Collision Coverage is provided for that
auto.”

Civil Unrest/Riot would be considered an “other than collision” or “comprehensive loss” and is subject to the deductible:

“Loss caused by the following is considered “other than collision”:
1. Missiles or falling objects;
2. Fire;
3. Theft or larceny;
4. Explosion or earthquake;
5. Windstorm;
6. Hail, water or flood;
7. Malicious mischief or vandalism;
8. Riot or civil commotion;
9. Contact with bird or animal; or
10. Breakage of glass.

If breakage of glass is caused by a collision, you
may elect to have it considered a loss caused by
collision.”

The loss will be settled by the lesser of the cost to repair the damage or the Actual Cash Value of the auto. Most insurance carriers “total out” vehicles for Actual Cash Value if the cost to repair exceed 70% of the ACV. So for example if an auto’s cost to repair is $3,000 and the Actual Cash Value of the vehicle is $2300, the insurance company would most-likely “total” the vehicle.

The homeowners policy follows along with the auto policy with a few exceptions:

“We insure against risks of direct loss to property
described in Coverages A and B only if that loss is a
physical loss to property. We do not, however, insure
for loss:

d. vandalism and malicious mischief if the
dwelling has been vacant for more than 30
consecutive days immediately before the loss.
A dwelling being constructed is not
considered vacant;”

Personal Property also has some limitations:

“We insure for direct physical loss to the property described
in Coverage C caused by a peril listed below
unless the loss is excluded in Section I Exclusions.

3. Explosion.
4. Riot or civil commotion.
6. Vehicles.
7. Smoke, meaning sudden and accidental damage
from smoke.

This peril does not include loss caused by smoke
from agricultural smudging or industrial operations.

8. Vandalism or malicious mischief.
9. Theft, including attempted theft and loss of
property from a known place when it is likely that
the property has been stolen.

10. Falling objects.
This peril does not include loss to property contained
in the building unless the roof or an outside
wall of the building is first damaged by a falling
object. Damage to the falling object itself is not
included.”

Both the homeowners & personal property coverage are generally covered on a replacement cost basis, meaning the cost to repair or replace the damage up to the listed coverage amounts on the declarations page.

Be sure to consult with your insurance agent/company to see how they would cover civil unrest on your auto & home policies.

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at mvpinsagency@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Fireworks Alternatives

stockvault-fireworks97353.jpg

(photo courtesy StockVault.net)

 

Fireworks Alternatives

 

All over the country fireworks displays are being cancelled, parades are cancelled, & people are being recommended to stay home to avoid spreading the Coronavirus. we found this article from Radio.com with alternatives to make celebrating the Fourth of July holiday special.

– Backyard Sports Competitions. Corn hole, three-legged races, even road rallies are fun alternatives to fireworks. Give away small prizes, take pics, have fun!

– S’mores & S’mores. Make the traditional s’mores recipe a little more exciting with different candy bars, flavored marshmallows, & fruit. Have a competition on who can make the tallest s’more or tastiest s’more!

– Backyard Campout. Grab a tent (or even a bedsheet draped over a clothesline) and “rough it”. Don’t have a firepit? Grab a cheap portable grill and roast weenies or marshmallows. Unplug and tell ghost stories. Enjoy the great outdoors!

Be sure to read the full article from Radio.com for more tips on Fourth of July alternatives to fireworks! Also check out our previous podcasts onfireworks safety and protecting your pets from fireworks

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at mvpinsagency@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Categories: Uncategorized