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boatingonthehudson.com
photo: shipmonk.co.uk
RV’s
- These are
coming back into
popularity with many
baby boomers retiring
and having time to
travel the US. With
gas prices lower
than a few years ago,
and hotel and flight
travel rates higher,
many families are
taking to the road
in these vehicles.
Check your policy to
see if you purchased
coverage against fire,
theft, vandalism and
collision. Roadside
assistance and
emergency vacation
expenses can often
be included by
endorsement.
BICYCLES AND
GOLF CARTS
- These
may be covered under
your homeowners
insurance, subject
to your deductible, but check to see if you have
coverage for theft of personal property off premises.
Liability insurance for the golf cart will usually be
restricted to golf courses and non public roads,
so you may have no coverage if you are using the
cart as transportation on a regular road, unless you
purchase a separate policy for the golf cart designed
for this use.
DOG PARKS AND WALKING PATHS
- Even if you
think your dog is the friendliest creature on earth,
someone else’s dog my instigate a fight and your dog
may retaliate to protect themselves. A dog bite to
another dog or a human could mean a big law suit for
the owner, depending on the severity of the injury
and the circumstances of how it happened. Be sure
you have a high liability limit on your homeowners,
condo, coop or renters policy for this reason and
that there is not an animal liability exclusion on your
policy.
VENDORS AT STREET FESTIVALS
- You set up
booth to sell your famous brownies, jewelry you have
designed, items of fabric you have sewn, artwork,
toys you have crafted or are “reselling” packaged
condiments or spices. Do you have a petting zoo
or bouncy castle at a fair or street festival? What if
someone becomes injured or gets sick from an item
you have sold? Are their nuts in your brownies
someone has just broken their tooth on claiming
there was a nut shell? A child injured from a toy? For
many classes of these “in home” businesses, there are
insurance companies that specialize in policies for this.
It would be terrible to risk your personal or business
assets if you were sued and also had to pay out of
pocket legal fees. If the classification “fits” into one
of these classes of business for the in home business
policy, the annual premium can be less than $500.00 a
year for a $1,000,000 bodily injury/property damage
limit. Most street festivals now require all vendors and
“ride operators” have liability insurance.
Enjoy the warmer weather and all the outdoor activities
associated with it. Think about your various needs for
insurance and have an independent insurance broker,
one who represents many companies, review your
policies and address your unique insurance concerns.
At Karas Insurance Agencies Inc we have been serving
the area since 1973. We offer no obligation quotes
reviews of your insurance policies Monday - Friday
8:45- 4:45 and have only licensed brokers to answer
your questions. You will speak to a real person with
many years experience. We can be reached by phone
at 914-271-5188 or you can email me at cathykaras@
karasinsurance.com.
Disclaimer: This article is for informational purposes
only. For specifics on your own policy, contact your
insurance company or broker.
Cathy J Karas, Certified Insurance Counselor, President
Karas Insurance Agencies Inc., PO Box 190,
Croton-on-Hudson, NY 10520