Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Now that you finally own your own jetski or PWC (Personal Water Craft), there is so much that you need to know before you get in the water to ride. It’s just like driving a vehicle on the road because there are rules and signs that need to be obeyed, even in the water. However, operating a PWC is different from driving a car or a motorcycle for there are no lanes or lines on the water to guide you on where and how to go. That is why knowing the basic rules of the road and the navigational aids are so important.
Let’s give you some basic skills to get you started.
There is so much to do in the month of May around the house and yard that it could keep a person busy well into June. But, be sure to put the watercraft on that list as well, so when the warmer weather comes around there isn’t a problem that is discovered and the boat ends up out of commission for the entire summer. Some marinas will offer a commissioning service to check a boat’s systems and get it ready for the water. But if you feel comfortable doing it yourself, it should only take a few hours of your time and save you quite a bit of money.
Here is a list of things that should be checked:
Once all the systems are checked, you will have ample time to address any repairs or replacements that are needed before summer rolls in. By that time, you will be able to enjoy the ride and the fishing….
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions about different topics of interest, as well as insurance needs. But, by no means can we address each reader’s specific concerns. So, we strongly advise to check with an expert on the subject area discussed to address your specific needs. However, you can always contact us for any insurance questions or concerns you may have and we will be happy to help you. We are able to offer a complete line of auto insurance, homeowners insurance and marine insurance products for all of Massachusetts, Rhode Island and New Hampshire.
All it takes is small improvements to make a world of difference in the look and feel of your home.
With spring here and the snow finally gone, it is a perfect time to start making plans for your all the DIY jobs that you want to tackle in these next few months. Consider starting with the basic maintenance of your home, that way you will know which improvements are a priority. Here’s a list of ideas of where to start.
Gutters – This is the easiest and the usually the least expensive task. Simply cleaning them up and removing any debris is all that is needed. Make sure all the drainage areas are unblocked and the downspouts are clean and pointing 2 – 2 ½ feet away from your foundation. This can help avoid any water from entering the home and causing damage.
Roof – Check your roof thoroughly for any missing or upturned shingles, for this can eventually cause leaks and therefore damage throughout your home. So, take extra time to see if any shingles are lifting. If your roof is in good shape with the exception of a few shingles, here is a helpful DIY link on how to replace them. Otherwise, if there is considerable lifting in large areas, you will need to contact a roofing contractor for further assistance. [Read more...]
If you answered no to that question, then it’s time that you are. When shopping for insurance, especially if it’s online, you are making important decisions about your coverage that you more than likely have no idea about. It’s normal to want to find ways to cut costs on your bill, but that may also result in you cutting out the coverage that you should really have. So before you do that, you need to take the time to understand exactly why you have the current coverage that you have.
So, my advice to you is to visit with your local insurance agent and let them know about the competitive quote you received online and the coverage you would be paying for. Ask questions about why there is such a difference in price, if there is, and why. Have your agent explain to you what you have for coverage and if there is a way to lower some of the limits or raise deductibles to reduce your bill. It’s good to know if you can risk removing or reducing a specific coverage to save you money in the long run or if you will end up paying more out of pocket in the event of a loss. Also, ask if there are any discounts that can be applied for additional savings.
Surprisingly, the average consumer has no idea to as what types of coverage he or she should have. They only see that the minimum limits of coverage will save them money at the time. But no one knows of the risks they run for out-of-pocket expenses in the event of an accident or a loss. Here’s a common scenario that occurs when it happens. Remember poor “Jerry“? Exactly.
You can watch all the funny commercials about insurance, but none of them will educate you about your coverage. But, your local insurance agency can do that. Take the time to talk with your agent. The bottom line is this… If you’re purchasing cheap insurance, IT IS cheap insurance. Nothing good comes out of cheap coverage at the time you need it.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for many different situations. By no means can we address each reader’s specific concerns in every incident. We strongly advise to check with a representative to address your specific needs. However, you can contact us for any insurance questions or concerns and we will be happy to help you. We offer a very competitive line of auto insurance, homeowners insurance, renters insurance and commercial insurance for all of Massachusetts, Rhode Island and New Hampshire. If you have a Facebook account, you can get a quote right on our Facebook page. Come and visit us at http://www.facebook.com/donmedeiros.
New England is infamous for its’ unpredictable weather patterns especially during the winter months. But when I was younger I remember those months being incredibly long, snowy and cold. I was able to endure those long winters for I had access to a huge lake that was frozen during most of it. So that meant at least 3 months of ice skating!! Whoo hoo! However, I also look back and remember how foolhardy I was for I used to venture out many times without any adult supervision or a companion. That’s a scary notion even for today, for the same dangers still presents itself as it did back then. Maybe even more so now for the weather is so variable with warming spells in between the cold ones. That doesn’t give the ice, even in the smallest of puddles, time to freeze all the way through to deem it safe enough. So, you need to make sure before going out that it is safe. Here’s how.
Depending on the activity, the key factor here is the thickness of the ice. You can check it’s depth with either a cordless drill or an ice auger or chisel.
3” – Keep off!!!
4” – Ice fishing, ice skating, cross-country skiing and walking.
6” – Snowmobile or ATV (800 lbs)
8”-12” – Car or small pickup
12”-15” – Medium truck
But understand that the thickness is for clear, solid ice. Any ice white in color is considered “snow ice” and it needs to be twice as thick as the clear ice to be safe.
• Make sure you are adequately dressed in full cold weather attire.
• Never go out without a buddy or two. (Don’t be like me.)
• Have a spare set of warm dry clothes handy.
• Have an emergency rescue kit (rope, ice pick, cellphone, life ring)
So, now that you have a good handle on ice safety and some precautionary ideas, all you need to do now is to wait. It usually takes about two weeks of below freezing temperatures to freeze a lake or pond.
Enjoy the pleasures of winter and be safe!
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for many different situations. By no means can we address each reader’s specific concerns in every incident. We strongly advise to check with a representative to address your specific needs. However, you can contact us for any insurance questions or concerns and we will be happy to help you. We offer a very competitive line of auto insurance, homeowners insurance, renters insurance and commercial insurance for all of Massachusetts, Rhode Island and New Hampshire. If you have a Facebook account, you can get a quote right on our Facebook page.
Donald J. Medeiros Insurance Agency Provides Auto, Homeowners, Business, Life, Disability, and Long Term Care Insurance to All of Massachusetts, Including Rhode Island and New Hampshire.
Donald J. Medeiros Insurance Agency Is Compliant With The 201 CMR 17.00: Standards For The Protection Of Personal Information Of Residents Of The Commonwealth.