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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