Saturday, June 15, 2013

Summer Insurance Tips

As a responsible home and vehicle owner, you know that taking care of your car insurance and home insurance is top priority. Individuals that choose to "save money" by failing to purchase home insurance or worse, illegally driving without car insurance, are quick to find the cost of insurance is far less than the cost of replacing an vehicle or dwelling when misfortune strikes. Although months and even years (for the lucky ones) may pass without incident, living without insurance means living under a constant cloud of worry and fear.
If you are among the millions that have made the responsible choice to purchase insurance, congratulations. You are on the right track. Having insurance gives you peace of mind during your day to day activities. However, what about when you are away from your home for an extended period of time or if you are using your vehicle for a road-trip? A few simple steps are all that is required to help reduce the risk of loss or claim while you are away on vacation.
  • Plan for someone trustworthy to check your house and yard every day and to pick up your mail and flyers. (For extended trips, suspend your paper delivery.) Have this person walk through your home periodically to check for sign of weather damage, attempted entry and water leaks.

  • If all possible, turn off the water to your dishwasher & washing machine to avoid any unnecessary water damage. Prior to your vacation, have an inspection done on your water heater if it is over ten years old.

  • For protection from power surge damage unplug major appliances, TV's, computers, microwaves, etc.

  • If you are taking your vehicle on vacation with you, check your auto insurance policy to ensure you are up to date and aware of your coverage and deductibles. Take your vehicle in for a spring tune up as our harsh Canadian winter can take its toll. Check the tire wear, electrical, proper functioning of horns, lights and other safety features. The last thing you want is to have vehicle trouble while on a road trip. Not only does tuning up your car before a trip greatly reduce the chances of having an incident, it will also extend the overall life and durability of your vehicle.

  • Bringing out your trailer and hitting the open road in the summer is exciting. Does your auto insurance extend to your trailer? Make sure you have the proper coverage for your trailer. Give your trailer a good walk over to note any areas of concern and ensure you do not forget to have your bearings and electrical checked annually by a professional.

  • Do not leave your vacation trailer or motor home parked on your property for days prior to leaving. The savvy intruder will notice when it is not parked out front, signaling an opportune time for entry into your empty home. Go a step further in discouraging thieves by having your lights and radio set on an automatic timers so it appears that you are home. Closing all window coverings on all the floors of your home keeps them guessing if the home is inhabited or not, which is a major deterrent for the burglar.

  • If your vacation leaves a vehicle at home, purchase a safety device to lock the steering wheel, while you are away.
Thanks to your many affordable insurance options, you can go about your daily duties and your summer vacations without the dread of accidents or break-ins. While these unfortunate things do happen from time to time, taking precautions, like the ones listed above, and making sure your car insurance and home insurance covers your needs and remains up to date is all it takes to enjoy the priceless feeling of having daily peace of mind.

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