What Does A Boat Insurance Provider See As Negligence?

One of the big problems many policyholders are going to face when filing an insurance claim in Clovis, NM, and this applies to boat insurance just as well as home insurance and car insurance, is negligence.

Your insurer is there to pay the costs if something happens, but they need you to hold up your end of the bargain, too, and that means proper maintenance. It means doing whatever you can to keep your property safe and secure, and, most importantly, to keep the people in your boat, and around your boat, safe and secure as well.

On a boat, safety is of the utmost importance, and there is quite a lot of room for negligence. Here are some things to keep in mind:

  • Wear your life jacket, and insist that your guests and your crew wear them, as well.
  • Attend a boat safety course. We can only fit so much into this checklist, and there’s a lot to learn.
  • Give your guests a crash course on boat safety. Inviting people onto your boat without letting them know how to safely occupy one can be regarded as negligence.
  • Never boat while intoxicated. You might not be on the freeway, but it’s still a motor vehicle.
  • Never depart without checking the weather. If your hull is breached against a rock because of strong winds, and the weather report could have told you that would happen, that could be regarded as neglect.

And, of course, you’ll want to practice basic maintenance. Keep your boat and your engine clean, replace anything that needs replacing, repair anything that needs repairing. You want to take care of your boat because it’s your boat. You want to keep it looking shiny and new and you want to keep it running. But you want to make sure that your insurance provider will cover you if something happens to it, too.

If you’re still shopping around in Clovis, NM for boat insurance, get in touch with the General Insurance Agency. The General Insurance Agency can help to get you covered with a policy that suits your needs.

What are the benefits of a RV insurance policy?

If you live in the Clovis, NM area, you likely are aware of all the great places in the state to explore and enjoy. When you are looking to see as much of the state or country as possible, doing so in your very own RV is a great option. If you are going to purchase an RV, it is important that you get the right insurance for it. There are several benefits that come when you get a full RV insurance policy.

Provides Liability Protection

An RV comes with a unique set of liability risks. Not only will you have liability risk when driving the RV, but you also are taking on liability risk if a guest comes over when you are not on the road. To ensure that you are fully protected against all of these risks, you should get an RV insurance policy as it will provide all of the liability protection you need.

Providers Coverage for Asset

Another advantage of your RV insurance policy is that it can provide you with coverage for your asset. When you buy an RV, you are going to make a big investment. Due to this, it is important that you protect your RV as well as possible. Your RV insurance policy will provide protection against a range of situations that could cause a loss. 

When you are looking for an RV insurance policy in the Clovis, NM area, you should call the General Insurance Agency as soon as you can. When you do call the General Insurance Agency, you can receive all of the guidance and support that you need to pick a quality insurance policy for your RV. The team here will help you evaluate your options and make sure that you get into a policy that meets your needs. 

How much renters insurance is adequate for my apartment?

Owning a home in Clovis, NM means having home insurance and renting an apartment means buying renters insurance. Well, understanding that part is easy. What most tenants are always skeptical about is how much renters insurance is adequate to fully cover them and their loved ones. 

What determines how much renters insurance you need?

The answer to that question is not straightforward as there are many determinants such as where you live, your budget, rent amount, and the value of your personal belongings. The General Insurance Agency recommends taking an inventory of all your possessions before buying renters insurance. This will act as proof during the claiming process. If you have valuable or priceless items in your home like jewelry and artwork, you should seriously consider purchasing separate insurance for them.

What do you value most?

If your landlord did not request for your renter’s insurance, it is a good idea to buy one to protect your family and help you have a sound financial plan. Renters insurance is a great way to protect your personal belongings both inside and outside the apartment. It also covers additional living expenses as well as personal liability.

Do the math

Before settling to buy renters insurance, it is prudent that you first factor in your budget, assess where you live, check your lifestyle, and calculate the value of your possessions. This way, you will have a clear view of the amount of coverage you need. You should also consider checking different quotes from different insurance companies to get the best price.

 By now, you understand that renters insurance varies from one individual to another. That means that we all have different priorities, needs, and budgets. Seeking help from an insurance expert from General Insurance Agency is a smart way to begin your insurance journey. Contact us or visit us at Clovis, NM today!

Should I get an umbrella policy for my business or for myself?

Most people get umbrella coverage because it provides extra liability coverage that exceeds all their other liability policy limits.  Without that extra protection, a person or business found liable could end up being responsible for:

  • property damage 
  • medical bills 
  • and legal fees if they aren’t covered. 

Some people mistakenly believe that only people with a lot of money or big businesses need an umbrella policy. However, umbrella insurance can provide needed protection both to individuals and to Clovis, NM small business owners. 

At General Insurance Agency, we can help you understand how much risk you face depending on your personal circumstances. What matters with umbrella insurance is how much risk you could realistically be facing. 

Even though it is surprisingly inexpensive, an umbrella policy usually has a 1 to 2 million dollar limit. The important thing to remember, though, is that the umbrella policy won’t take effect until your regular liability policy maxes out. You need the first liability coverage before you add the umbrella policy.

You can use umbrella insurance to complement your renter’s insurance, auto insurance, and/or business insurance. You also need to remember that while you can extend your coverage over multiple personal areas, such as auto and rental, you can never use one umbrella policy to cover both personal and commercial needs.

An umbrella policy doesn’t cover every kind of liability claim, and it won’t cover your own costs. But it will help in many situations, such as if you are found liable in a vehicle accident and your auto insurance doesn’t cover all of the property damage, or if you own a business and someone gets hurt on your property and the medical bills go past your limits.  

If you want to know how umbrella insurance can help you in Clovis, NM, call General Insurance Agency today. 

2 Reasons to Protect Your Motorcycle With Insurance

From protecting yourself against financial struggles to staying compliant with insurance laws, there are more than a few reasons to protect your motorcycle with insurance. And here at the General Insurance Agency serving the Clovis, NM area, we wanted to make sure you knew the top two reasons to get this type of insurance policy, so let’s take a look at them.

Financial Help Right When You Need It Most

The financial cost of a motorcycle accident is often extremely high because you’re more likely to be injured during a motorcycle accident than in a regular vehicle accident. This is, of course, because the motorcycle doesn’t offer you any type of protection during a crash. If you have to go to the hospital and receive medical attention, this can be a financial burden. But with insurance, you can ride with peace of mind in knowing you will have financial help if you were injured in a motorcycle crash.

It’s the Law

You have to have motorcycle insurance if you ride your bike on the road. If you have a lien on the bike, you will likely be required by your lender to have motorcycle insurance as well. Staying compliant with insurance laws is very important because it helps you avoid fines and traffic violations. You don’t have to get an expensive policy to stay compliant. There are certain minimums the policy must meet, but one of our agents can help you find a policy that meets your exact needs.

Contact General Insurance Agency serving the Clovis, NM area today to learn more about the reason to protect your motorcycle with insurance.

 

Do You Need Boat Insurance For Non-motor Powered Boats?

Are you considering buying a boat without a motor, but want to find out if you need to invest in insurance? Even if you already have a boat, having coverage in place can mean peace of mind. Even small boats without a motor can be an investment worth protecting. So, does traditional boat insurance cover these items?

Boat Insurance Coverage

Boat insurance is designed to cover boats that are motorized in most cases. If you have a paddleboat, canoe, kayak or other similar watercraft, you can opt for non-motorized boat insurance. Before you begin shopping, find out which insurance agencies or providers offer this specialized type of insurance. If you have a regular motorized boat, you can find insurance coverage at many of the top insurance agencies in your area.

Quality Boat Insurance Coverage

If you want to get quality insurance coverage that protects during covered events, you should carefully select the insurance agency you work with. Make sure they have a solid reputation in the community and work with providers who are known for excellent policies that protect the client. A great place to find top insurance products is General Insurance Agency, serving Clovis, NM. Their agents are committed to providing expert services with friendly agents who work closely with individuals to tailor their insurance needs. Additionally, they can even assist with future claims. 

Get the boat insurance coverage you need to help get peace of mind and protect your investment. Call or stop by General Insurance Agency to speak with an insurance professional who can answers questions and present top insurance policy options to fit your needs. They proudly serve the residents in and around the Clovis, NM area and look forward to working with you to get quality coverage. 

Tips to Prepare Your Motorcycle for Winter Storage

Your motorcycle is probably your main source of transportation during the spring and summer, but when it starts to cool down, you’ll be riding less, which means it’s time to store the bike until next season. Before storing your bike in Clovis, NM, it’s important to take the time to properly prepare it for storage. General Insurance Agency has prepared a few tips to ensure your motorcycle is ready for storage.

Fill the Fluids

The first and most important thing to do before putting your motorcycle in storage is to fill all the fluids, including coolant, brake, and clutch. Be sure to check the fluids before filling to ensure the remaining fluid is clean and follow the manufacturer’s instructions for the proper type and amount of fluid. During this time be sure to change the oil and the oil filter as well.

Wash and Wax

It’s important to thoroughly wash and wax your motorcycle before putting it in storage. Leaving dirt, oil, and grime on the frame and chassis may lead to corrosion, so be sure to give the entire bike a thorough washing. Once the bike is clean, use a soft cloth to dry it and then apply a quality wax to the entire exterior, using a wax that is designed for use on motorcycles.

Now that you’ve got the bike clean and the fluids full, it’s time to park the bike until next season. When storing your motorcycle, it’s important to choose a safe location, which is typically in the garage. Be sure to avoid parking it near any windows, because the sunlight and UV rays can damage the paint and leather. Also, avoid parking the bike where it may get accidentally bumped by a car or other equipment such as a snowblower or lawn tools. Cover the bike with a protective cover designed for motorcycles to protect it from scratches and dust.

To review or upgrade your current motorcycle insurance, residents of Clovis, NM should contact the General Insurance Agency.

The Benefits of Boat Insurance

If you own a boat in Clovis, NM, it’s important to note the benefits of having boat insurance, even if you aren’t required to have it. Different policies can cover different aspects of boating so work with an agent at General Insurance Agency to create the right policy for you.

Homeowners Insurance Won’t Have Coverage: Many boat owners in Clovis, NM think that their homeowner’s coverage extends to the boat. There is some truth in it but there is not a lot of coverage so you could lose money if you rely on it.

Investment Protection: Without insurance, you could lose your investment. Just a single storm can sink a boat or a fire near your boat can burn it completely.

Covers Extensive Property Damage: The average property damage for a boat can be over $10,000 and since it’s just the average, your repairs could be much higher. The dollars can really add up when you consider also needing to tow the boat to the repair facility. A boat insurance policy can put your mind at ease and help you focus on having fun on the water.

Cover for Injuries: Boats can cause extensive injuries thanks to large objects colliding at great speed. A good policy can turn a catastrophic loss into a more manageable inconvenience.

Liability Coverage: Without liability coverage, you will be on the hook for the full amount of any damage or injuries you cause. Don’t let an accident ruin your time on the water.

Environmental Protection: If your boat leaks fuel into the water then you are responsible for cleanup and removal. If you have coverage that includes this then you won’t have to pay a fortune out of your own pocket.

Total Loss Replacement: If your boat sinks then it will be a huge monetary hit to replace it. Policies can include total loss replacement, which enables you to return to the water quickly.

Contact General Insurance Agency to get a quote on boat insurance. 

How much life insurance do I need

Life insurance is something that is different for each person.  How much life insurance you need depends on many different things. It is affected by your age, your income, your situation in life and how many people are dependent on you. In order to determine if you are under or over-insured, all of these things need to be taken into consideration. In Clovis, NM, General Insurance Agency can help you to sort this out and come up with a figure that makes sense. 

When you are young and unmarried you will only need enough life insurance to pay your final expenses and any debt that you may have. If you have enough savings to take care of these expenses you may not need life insurance at all unless it is part of your long term financial planning. If however, you are supporting your aging parents or some other family member, you should take that into consideration when determining how much life insurance you need. 

Once you have dependents, a wife, husband, children or other family members, then you need to greatly increase the coverage that you have.  You need to determine how many years of income you want to provide, this is where your income comes in. You want to make sure that your family is able to continue to enjoy the life that you currently provide even if you are no longer here. You also need to have enough to pay off your mortgage, final expenses and any debt that you have. 

When you are older, you may still want to keep a basic policy to cover final expenses and if you still have dependents, provide for them. 

How much life insurance you need is a very personal thing and by talking to the agents at General Insurance Agency in Clovis, NM you can come up with the correct figure.  Give them a call or stop by their office, you will be glad you did. 

Business Owners: Commercial Insurance

Successful business owners know good leadership is important.  Effectively managing employees and taking care of company growth are smart ways to realize gains with expansions.  Marketing strengths are also nicer ways to build a customer base.  Quality service and referrals are good objectives for successful sales strategies in the Clovis, NM area.

Business owners are often busy running their companies and many are experienced enough to understand the importance of building good relationships.  The success of a business is often seen as profitability, and many experienced leaders are also focused on effective management of the employees and expenses.  Other important considerations are liability protection and the appropriate planning for commercial insurance.  General Insurance Agency is experienced working with business owners and planning for current needs with efforts for impressive company growth.  Successfully reviewing a company’s progress is a smart way to understand hiring needs and strategies for any properties involved.  Smart planning may also include the best expertise for a company’s needs, and insurance planning can be part of a company’s successful growth.

Serving Clovis, NM, General Insurance Agency is available to answer your questions about commercial insurance.  With any services, the office buildings could be part of the review for insurance.  General liability and property protection are important with any customers and services being offered.  Your objectives as business owners can help outline the areas of focus for employees, contractors, and managers.  Communication of the company’s goals may include a staff’s focus on the quality of products and attention to customer service.  Also, product distribution is important to consider commercial insurance planning.  Successful marketing and good communication strategies can help business owners.  It’s nice to be comfortable with your company’s achievements for revenues and insurance planning can help as part of the business strategies.