How Much Will Animal Damage Cost Me
Though many insurance plans and coverage levels will payout after your accident with an animal, the amounts vary. Deductibles can range anywhere from $500 to thousands of dollars, and its up to you what to select when you sign up for the policy.
When you get in an accident, you must pay the deductible before your policy covers anything over that amount. However, if the accident is another drivers fault, their insurance typically covers your expensesstarting with the deductible. In a critter versus car accident, though, there wont be another person to pin the fault on.
If the vehicle is a total loss, you dont pay the deductible up-front. Instead, your insurance company will issue you a payment for the value of the car that got totaled. Theyll subtract the deductible from the amount, and youll get the rest.
Best Practices For Boat Safety
There are thousands of recreational boating accidents per year, which can be costly in injuries and damages. Contributing factors to boating disasters include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.
The best way to ensure your years of accident- and claims-free experience is to follow boating safety practices.
- Properly equip your vessel with required navigation lights and with a whistle, horn or bell. Have on hand plenty life jackets and emergency safety devices such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio. Carry one or more fire extinguishers, matched to the size and type of boat and keep them readily accessible and in condition for immediate use.
- Before you sail or launch, check weather forecasts before heading out to ensure good boating conditions. Let someone know where youre going and when you expect to return. Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks.
- When you have passengers and/or a load, pay attention when loading. Distribute the load evenly and don’t overload. In a small boat, warn passengers not to stand up or shift weight suddenly. Dont permit riding on the bow, seatbacks or gunwales. Make sure that every person on board the boat gets and wears a life jacket.
When Does Home Insurance Help With Pet Damage
Let’s say you come home and find that the dog was able to tear the carpeting or destroyed the wood flooring. No matter what your pet did, your coverage for your own pet’s damage to your home is likely to have limitations. Most of the time, the damage your pet causes is not a type of covered peril. Even though your policy will cover damage to your personal property, it is not likely to cover damage created by your pet.
Now, if your pet broke away from you and damaged the neighbor’s home, your home’s liability insurance may provide coverage for the animal’s damage. However, you might need to have coverage for pet liabilities included on the policy. Sometimes this may involve getting an endorsement.
When it comes to your own home, though, your pet’s damage is unlikely to have coverage. That’s because most insurers expect you to take responsibility for the risks you assume by buying a pet.
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Why Do Rodents Eat Car Wires
The most common type of rodent damage is chewed and eaten car wires from rodents like mice, rats, and squirrels. The warmth of your car’s engine and electrical system attracts them, particularly during cold weather. And, according to Consumer Reports, chewing on wires and other car parts helps rodents keep their teeth trimmed.
Customized Coverage For True Umbrella Protection
XINSURANCE offers flexible underwriting to meet your unique coverage requirements. We cover the gaps and exclusions that could be putting you at risk of a significant financial loss. With limits available of up to $10 million or $20 million in some circumstances youll enjoy true peace of mind knowing your assets are safe if a loss occurs.
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How Much Is Boat Insurance
- LoPriore Insurance Agency
Each year about 141.6 million Americans take to the water on a boat. Unfortunately, many of these people will encounter an accident or a broken-down boat. This is when having insurance comes in handy.
The potential cost of damages from an accident will have many boat owners asking, how much is boat insurance? Unlike car insurance, youll need to consider many different policy types and coverage details.
This boat insurance guide will help you know what to expect when shopping for boat insurance so you can purchase the best policy for your needs.
Coverage For Your Boat While In Transit
Youd been searching the craigslist boat ads for a while. Its become your biggest pastime in the last few weeks. And this morning, you were restless at 5:00am, finally got up at 6:00 , and checked craigslist again. And there it was: a brand new listing from midnight.
The perfect boat. The perfect price. Exactly what you were looking for. Call anytime! You called, agreed to meet the seller at 8:00am, and hit the road.
Now its 10:00 am and youre on the road home with your new boat.
Suddenly, you hear a screech! Check the rearview mirror Darn! The boat looks lopsided. Crooked.
Somethings weird. You slow down, start merging over to the shoulder, but then it happens. You hear metal scraping on the pavement and you watch as the trailer comes loose, spins out into the next lane, and come to a halt.
A semi-truck swerves unsuccessfully to avoid impact, but both your boat and the semi are damaged in the collision.
While in transit, the liability protection on the auto insurance policy of the towing vehicle will extend to cover damage or injury to others that is done by your towed boat and/or trailer, if you are negligent.
This is a good reason to check your auto liability limits to make sure that they are adequate damage to a large semi-trailer can be hundreds of thousands of dollars!
In the example, the damage to your boat and trailer would be covered by your Boat Insurance policy, if you had one.
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Does Renters Insurance Cover Pet Damage
- Does Renters Insurance Cover Pet Damage?
Many people seek renters insurance so they wont be on the hook for the landlords property if their pet damages it, or because their landlord wants them to have it in case of damage. Either way, many renters are barking up the wrong tree if they believe renters insurance covers pet damage.
Were sorry to be the ones to break the bad news to you, but renters insurance doesnt work like that. While it may cover dog bites, youll be on the hook to pay for any pet damage sustained to you or your landlords property.
Thats why some landlords disallow dogs in their rental properties altogether . But, as we said earlier, some pet damage is covered.
Lets break down the specifics of your renters insurance policy.
Boat Coverage & Limits
Boat Coverage & Limits
Physical damage coverage provides protection if your boat collides with another vessel or submerged object, such as a log or a rock. It is included in most boat and other marine policies.
Discuss your physical damage coverage needs with your insurance representative. Consider what it would cost to repair or replace your vessel when choosing your deductibles and policy limits. If you finance your vessel, your lender may require specific coverage options and limits, too. Remember, you will be responsible to cover your deductible, as well any related costs above this limit.
Do I Need Personal Property Coverage for My Boat? If So, How Much?
Personal property damage coverage provides protection for items on your boat, including clothing and other personal belongings. It is included in most boat and other marine policies.
Discuss your personal property coverage needs with your insurance representative. Consider the items you and your guests often bring aboard your vessel and how important it is to protect them when choosing your policy deductibles and limits.
What Is Boat Towing and Assistance Coverage, and Do I Need It? If So, How Much?
Towing and assistance coverage generally reimburses the cost to transport your boat to a repair facility in the event it is inoperable due to a covered loss, and can also cover gas delivery and boatside assistance if you are stranded. It is included in most boat and other marine policies.
Do I Need Liability Coverage?
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How To Stop Rodents From Chewing Car Wires
Even if your auto insurance policy covers rodent damage, it’s best to take preventative measures to prevent damage that could be inconvenient or costly. Follow these steps to prevent or reduce the risk of squirrels, rats, or mice eating your car’s wires:
- Be careful where you park: Don’t leave your car in an area prone to attracting rodents. Most creatures tend to be drawn toward food sources and unlit areas. For example, if your garage has a rat problem, don’t park in it until you can hire an exterminator. If possible, park your vehicle under a streetlight and away from trash cans.
- Park indoors if possible: If your garage is clean and pest-free, then parking indoors is better than outdoors to deter rodents.
- Keep your vehicle clean: Don’t leave food wrappers or other kinds of trash in your vehicle that might attract rodents. Since smells attract vermin, try spraying a rodent repellent like peppermint oil in and around your vehicle to keep them away.
- Make it a moving target: If you don’t drive your vehicle frequently, move it to a different spot weekly. Animals are creatures of habit and will more likely be drawn to a vehicle that remains stationary. Moving your car regularly will make it a less appealing target.
Inland Marine Insurance Coverage
Inland marine insurance is coverage that protects businesses when moving products or goods on land. As a private boat owner, you can purchase this insurance to provide you coverage while transporting your boat or temporarily storing it somewhere. This makes it a good option if you winterize your boat and keep it in storage for several months.
This type of insurance closes the gap that your homeowners insurance policy may leave.
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Talk To A Local Agent About Your Homeowners Insurance
Our team of local agents is always ready to help our friends and neighbors with any questions about homeowner policy coverage associated with the possibility of animal damage. Whether you own an unusual pet or there are wild animals who like to visit your property, you deserve to know how much potential damage will be covered. Call us for an evaluation of your policy there may be better options out there that provide you with a higher level of coverage and protection at a lower rate.
Premiums & Boat Discounts
What Boat Discounts Are Available, and How Can I Add Them to My Policy?
You may be eligible for discounts based on factors like:
- Your level of boating education.
- Your boats safety and security features.
- Your boat is a hybrid or electric.
- You insure more than one boat with Travelers.
- You have another policy, such as car, homeowners, renters, condo or umbrella insurance, with Travelers.
- How and when you pay your premium.
Ask your insurance representative about these and other incentives to ensure you are getting all the boat discounts for which you are eligible.
Can I Get a Discount on My Boat Policy if I Have Other Policies with Travelers?
Yes, we offer a discount of up to 10% for one other qualifying policy and up to 15% off for two or more qualifying policies. Ask your insurance representative about our multipolicy discount.
Can I Get a Discount if I Have Security and Safety Features Installed on My Boat or Its Storage Location?
In many cases, having a GPS unit, radar or other security and safety devices installed on your boat will qualify you for savings. Ask your representative for more information about this and other boat discounts for which you may be eligible.
What Coverage Options Are Available for Travelers Boat Insurance? What Is a Deductible and How Does It Affect My Boat Insurance Premium?
A deductible is the amount of money you must pay out of your own pocket before your boat insurance kicks in. Typically, the higher your deductible, the lower your premium.
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How To Know If Raccoons Live In Your Home
Raccoons find a way to get inside a home to protect their offspring. Mother raccoons are one of the most maternal animals you can imagine and they go the extra length to protect their babies. This is why one surefire sign of having a raccoon-infested home is when you hear the cries of baby raccoons. Since raccoons are on the heavier side, you may hear them walk around during the night. Raccoons are awake at night, which is why you need to be more observant of their presence at nighttime.
Another sign that raccoons live in your property is the urine and poop that they leave behind. You may want to research further about what raccoon droppings look like because it is certainly different from the feces of other rodents. In general, their feces are black and round. Oftentimes, it also contains undigested food since raccoons have short intestines that prevent them from fully digesting their food.
Animal Pests On Your Property
Unfortunately, most homeowner policies do not cover the cost of getting rid of pests such as rats or squirrels that have taken up residence at your home. But there are some specific situations in which you could be covered for animal damage. This is true in some instances if your home has been seriously damaged by a storm and animals move in before the structure could be repaired. The takeaway here is that you need to keep a close eye on your property and if pests have invaded, then you need to take action.
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Basic Boat Insurance Coverages
Bodily injury liability
If you cause an accident with your boat and someone is injured, this coverage can help pay their medical bills and loss of income.
Property damage liability
This coverage helps pay for damages to another persons vehicle or property, if you cause an accident with your boat. Pollution liability coverage and wreckage removal are included.
Collision pays for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment if youre in a covered accident with another boat or object.
This coverage can help pay for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment from losses other than collision. This includes damage from fire, theft or storms.
Helps pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an uninsured or hit-and-run boater.
Could pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an underinsured boater.
Medical payments coverage
Med pay can help cover medical bills if you or others are injured while operating or occupying your boat.
What Damage Is Not Covered By Comprehensive Coverage
Comprehensive coverage does not cover damages caused by hitting another vehicle or object. These incidents are covered under collision coverage. It will also not cover normal wear and tear on your vehicle. Normal wear and tear includes items that normally need to be replaced over time from usage such as:
- Belts and hoses
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Is Boat Insurance Required
You do not have to have insurance on a boat to be able to register it in Massachusetts. It is entirely your choice whether or not you purchase insurance for your boat. However, its highly advisable that you do. Many marinas and docking facilities will require that you have at least liability insurance to be able to use their facilities.
Without boat insurance coverage, youre personally liable for any damage you cause or accident that happens. This includes the cost to repair your boat, any other boat involved, anyone elses damaged property and the medical expenses of everyone on all boats.
Does Homeowners Liability Insurance Cover Boating Accidents
If you injure someone or damage property with your watercraft, the liability portion of your home insurance policy can help cover any associated cost. Homeowners insurance policies come with at least $100,000 in liability coverage you can use for legal expenses or restitutions you need to pay to the affected party. There are some important size and horsepower limitations when it comes to boats, however.
Homeowners liability insurance doesn’t give you much leeway when it comes to your watercraft. Generally, the boat needs to be very small, and in no case will your Jet Ski be covered. To get more robust coverage for your boat or watercraft, you should take out a boat or personal watercraft insurance policy.
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Boat And Watercraft Insurance Discounts And Savings
The average boat premium costs only about a dollar a day. You can save even more by taking advantage of our discounts, so reach out to our client care team about ways to lower your rates. Below are a few great ways to save.
Be a Safe Boater
You may receive a discount when you complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadron.
Be advised that some states require boaters younger than 16 years of age to complete an approved safety course before operating a boat.
Billing Plan Credit
You qualify for a discount when you pay your premium in full at the inception or renewal of a policy.