Keep the Rain out and Prevent Flooding

April 24, 2019

Preventing Flood

  When water runoff overwhelms your drainage system, you get flooding. Many towns in Maine are in extreme flood zones, while others are in moderate. At any time though, your home can flood due to excess rain amount. This Spring is no different. We have had many rain storms following a snowy winter. Thus, river flooding and ground saturation is high.  How to prevent flooding in home? Check all drainage around the outside and inside of your home. Do you have gutters? Make sure they are clear to help move the water where you want it to go.  Make sure you have proper grading of the soil around your home so the slope will deter water from your home. check the basement for slop and drainage too. If everything is level, you will not have drainage if water gets into the basement and you will need a sump pump to move the water. A sump pump will be placed below the basement level and will pump water from inside the home to outside. Always make sure you have a battery backup or generator in case the electricity goes out.  When municipal wastewater systems get stress there may be issues...

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Do I need Insurance for my Christmas Gifts?

November 27, 2018

jewelry insurance

  They are going to be so excited about the expensive gifts when they open them, don’t forget to protect them in case something happens! Things do happen. Not always on purpose, but things do happen.  What if you lost one of the new diamond earrings your husband bought you? What if your new computer was stolen out of your car?   Things you should know about insuring gifts. Contact your insurance agent to learn what is covered under your current policy and what might need to be added to the policy. If the gift is given to someone you live with, the simplest way to insure it may be by adding to your homeowners or renters coverage in your policy. Standard policies cover belongings which are damaged or stolen, but valuables such as furs, art and jewelry, are typically limited. This is called a “scheduled” rider, floater or endorsement to your policy. You will need the bill of sale or certified appraisal to cover the gift.  Ask if your new gift will gain value. Art and heirlooms that appreciate in value would be best under special coverage or rider on your policy. You will need an appraisal every...

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Should I buy Rental Car Insurance?

June 28, 2018

Car Rental Insurance

  You are excited about your vacation and finally get to the rental car counter when you are told why you need to sign up for their rental car insurance plan. All types of potential consequences that may impact your own insurance. To quickly get on with your vacation plans, you buy the insurance. We all second guess whether we need rental car insurance or not. Things to Check Auto insurance policy. Ask our professional insurance agents at Anderson-Watkins Insurance. They will look at your auto policy to determine if you already have insurance coverage for the rental car. Liability insurance typically carries over when you’re driving a rental car. Confirm you are comfortable with the limits you have for coverage. Comprehensive and Collision coverage insurance pays for non-driving expenses (theft, fire or vandalism) and helps pay for damage to your car from a crash whatever the cause. The biggest thing you should ask is if there is coverage for loss of use of the car if damaged while you are renting it. Home insurance policy. Are your belongings covered wherever you take them? The rental car insurance for personal effects coverage can then be declined. Health insurance policy....

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Do I need RV or Motorhome Insurance?

May 18, 2018

RV Motorhome Insurance

It’s more than your car! It’s your summer home! Finding the right insurance coverage for a RV or Motorhome can be difficult. Look at what you have inside your motorhome and how much it is worth to you. If your RV is a motorhome (class A or B), you may be required to have insurance beyond your homeowners policy. Ask your agent at Anderson-Watkins Insurance to see what you are required to have per State Laws. Most motorhome insurance will offer many of the same things as your auto insurance for coverage as well as the extras you may need for the valuables you store inside.  So what is covered? Let’s explore. Basic Insurance Coverage terminology Bodily Injury Liability – If someone is injured from an accident you caused with your motorhome, this coverage will help cover medical expenses, loss of income, pain and suffering. Property Damage Liability – Helps pay for damages to another person’s auto or property if you cause an accident. Collision – If you are in an accident, regardless of who is at fault, collision will pay for the damage to your motorhome. Comprehensive – This helps pay for non-collision damage such as vandalism, theft,...

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6 Easy Ways to Avoid getting your Packages Stolen from your Doorstep

November 21, 2017

Avoid your packages stolen

  96% of Americans shop online. The stats are staggering on how many people shop online and where they shop. As we shop more and more online, we must consider the delivery of our packages. According to package theft statistics, each year more than 23 million Americans have their packages stolen. We’ve seen it on tv, a homeowner gets a text alert from his home security that someone is at his door. While watching the video, he can see someone go up to his door and take his packages running away. Because he has the video and can support his claim, he gets a full refund.   You should always look over the fine print when ordering from an online retailer to make sure they have a delivery guarantee. If not, you may be out of luck. What can you do to avoid your packages from getting stolen? Install a security camera at the front door of your home. Most break ins happen to the front door of your home. A security camera will also serve as a deterrent to thieves. Click here for a simple chart to help you determine the best security system for you home.  Have...

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Fall Home Maintenance Checklist

September 25, 2017

Home maintenance checklist

  Fall is the best time to take care of your Fall home maintenance before the colder temperatures arrive. The small things can make a big difference, but they are also hard to remember. From looking over the exterior of your home to the Fall maintenance of your heating system, these things will help reduce future headaches and money. Here is a quick Fall Home Maintenance checklist that takes you from the top to the bottom of your home. Outside Fall Maintenance     Roof  Inspect for wear and tear. If shingles are lifting up, crackling or broken, replace them.  If any moss is growing on the shingles, clean it off. Make sure they are not broken down under the moss. Check flashing around chimneys and pipes. Look for any areas that may leak.  Trim all hanging branches from trees to prevent potential dropping on the roof. Gutters Clean gutters and downspouts as leaves pile up. Look for any wood rot and repair. Inspect all drainage areas to make sure things are clear and not pooling. Windows and Doors Inspect trim for any holes that may need to be caulked. Replace screens with storm windows.  Check all seals for...

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“Back to School” Student Insurance Tips for Parents

September 5, 2017

Student Insurance for Cars and Personal Property

Fall is an exciting time of year for many parents and students eager to head off to college. Is your family member covered for student insurance for their car or personal property while they are away? Moving away from home for the first time can be stressful for both parents and children. It’s one thing to know that your kids are safe and sound when they were living in your house, in a town or city with which you are probably very familiar. It’s another thing altogether when your teen moves to a different state or part of the country. While some concern is natural, there are some things that parents can do to help relieve some of that stress. One important step is to make sure that they have the right type and amount of insurance protection for their college bound children. By making a few quick calls and asking your insurance agent some basic questions about coverage, parents can rest a little easier knowing that there will be no surprises down the road. Q -Is my college student’s personal property covered under my insurance? A – Most homeowner’s policies will cover the personal property of children living...

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How to Protect Your Home from Summertime Burglaries

July 19, 2017

Protect Your Home from Summertime Burglaries

It’s an unfortunate truth: summer vacation season is also prime break-in season. Both here in Maine and throughout the United States. Learn how to protect your home with these great tips. In 2014, the U.S. Department of Justice published a report that identified a recurring pattern in the number of home burglaries that occurred throughout the year. From 1993 to 2010, national crime statistics showed that the rates of home burglaries rose and fell at the same time(s) each year. “For household property crimes [our] data indicates that there are seasonal patterns in household burglary and larceny, with higher rates in the summer and lower rates during other seasons of the year.” (Seasonal Patterns in Criminal Victimization Trends, June 2014 U.S. Department of Justice|Office of Justice Programs|Bureau of Justice Statistics) On average, the research found that throughout the country, household burglary rates were approximately 11% lower in winter then they were during the summer months. ‘V-A-C-A-T-I-O-N’ Spells Opportunity for Thieves During the months of June, July and August, a combination of several factors – unique to the season – often create the ‘perfect storm’ of conditions that can give criminals both more opportunities and easier access to your home....

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Casco Bay Boat Safety Tips – Don’t Leave Port Without These 8 Items on Board

June 14, 2017

Last year (2016) the U.S Coast Guard documented 4,463 recreational boating accidents, resulting in 701 deaths, 2,903 injuries and approximately $49 million dollars of damage to property – all due to boat safety. In 2016, the fatality rates of people killed in recreational boating accidents rose by more than 11% to 5.9 deaths per 100,000 registered recreational vessels (from 5.3 per 100,000 in 2015) Sadly, here in Maine, the numbers are worse. In 2016, 9 deaths were reported from the 111,116 registered watercraft in the state – a rate of 8.1%. Now, as temperatures (finally) start warming up, many Portland area boaters will be casting off in boats, dinghies and family-friendly yachts of all types and launching into the waters of Casco Bay, Maine’s lake regions and beyond. Whether it’s simply to enjoy a brief respite from the heat and humidity or to wet a line with the hopes of hooking a bass, trout or striper, soon thousands of people will escape their otherwise terrestrial existence and enter an environment where different rules apply. Water: Different world. Different rules for boat safety. Simply put, staying safe on the water comes down to limiting the possibility of you and your...

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Help! What do I do with my life? Life insurance that is…

March 29, 2017

Graduate, now what

As your typical 20 something year old I know that I’ll be out of the nest and off my parents’ insurance plan soon, but then what? I am getting my life started, renting an apartment, buying a car, finding a job in my career field, possibly getting married? …Well, maybe not the married part, but like most of my peers I want my assets to be protected while I’m “alone” in the world. We’re all familiar with that little green gecko, the “we are farmers” jingle, Flo from Progressive, but remain so unfamiliar with what they are actually trying to sell us. So I’ll start with the easy questions that I’m shy about asking, because in a world where we are all trying to adult I feel like an infant when it comes to understanding insurance. What is insurance? Put simply, insurance is an exchange of a small loss in the form of a payment to protect you from a much larger financial loss in the form of an accident. More concisely, it is a transfer of risk. An insurance claim is when you utilize the “insurance product” you pay for to help cover your costs. Everyone has a...

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