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Evaluating Your Summer Insurance Needs

McVey Insurance, CA, Summer Insurance needsFor many people, summer is one of the most active times of the year. From outdoor sports to evening barbecues, summer is a fun-filled season. However, although these summer activities may be exciting and enjoyable, they can also increase your need for insurance coverage. 

Summer Risks

The insurance-related risks you face in summer depend primarily on how you spend your time. For example, if you enjoy riding a motorcycle when the weather is nice, you run the risk of accidents, injuries and property damage. Likewise, if you like to host parties or barbecues, your risk of homeowners insurance claims may be higher in the summer. Other common summer risks include:

- Automobile accidents
- Boating accidents
- ATV accidents
- Sports-related injuries
- Liability claims for injuries occurring on your property

Protecting Yourself

Before the summer begins, review your current insurance policies to determine if your coverage levels are sufficient. If you ride a motorcycle or drive your car more frequently in the summer months, make sure that your insurance policy provides plenty of liability coverage in case of an accident. If you own an ATV, consider purchasing a separate insurance policy to cover it. In addition, if you will be hosting parties at your home, make sure your homeowners insurance policy includes generous coverage for liability claims. Finally, if you or a family member participates in any type of athletic activity during summer, take some time to review your health insurance policy.

For extra protection from liability, consider purchasing an umbrella insurance policy. Umbrella insurance will cover the cost of liability claims that exceed the limits of your other policies, such as homeowners insurance and auto insurance. This additional coverage helps to ensure that you will not be responsible for paying any liability claims out-of-pocket.

Reviewing all of your insurance coverage can be a daunting task. For assistance, consult our office.

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Don’t fall for these insurance myths

McVey Insurance, CA, Facts or MythsWhen making a significant purchase, you do your homework.  Consumer reports on electronic gadgets to safety ratings for cars and inspection of a new house are all part of your homework.  Why wouldn’t you think you should do the same with insurance?

 Myth #1:  Most people believe all insurance is the same

It’s not.  Not all insurance companies are all financially equal.  That can cause some problems in the future for claims.  To do your homework about the financial strength of the insurance company, go to A.M. Best Co.  They are an independent provider of insurer ratings.

Myth #2: Every insurance company provides the same coverage

Most insurance companies provide similar coverage, but every insurance company is different.  That can mean unique conditions and limitations.

Myth #3:  All customer service, including claims processing, are the same with every insurance company

Every company is different and that means different standardized policies for handling claims and basic customer service calls.  You can go to your states Department of Insurance to find out where you company ranks with customer complaints.

Myth #4:  There is no flexibility in the cost of your insurance

Contact us and we will work with you on how we can save you money based on your lifestyle or any other possible changes to your deductible.  We can also shop around for you to find the policy that fits your needs.

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Save ur boat this festive season

We knew you are busy looking towards Santa Claus but you may forget to look at the accidents that may seize you at your party times. This Christmas winter may drain you at times.  Californians, being an imaginative lot, have come up with a whole batch of variations on Christmas traditions and some new ones of their own, too. Boat parades are so much fun for us, if you own a boat, you can join the parade, but even if you don’t, you can book a seat on one of the party boats that park themselves in the middle of the action. In this case if your boat going to be there at parade be precautious let you not lose your boat due to any accidents may be any damage that may cause due to little clashes between the boats. McVey Insurance offers you the boat insurance that helps you to proceed with a happy Christmas celebration.

McVey Insurance Agency

1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177
Fax: 209-577-0288

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Boat Insurance

Whether you like the water warm or cold, fresh or salty, there’s nothing like being out in your own boat on the open water – or at your secret fishing spot. Maybe you like to harness the wind in your favorite sail boat? Or, feel the power as you throttle up your twin outboards.

Boat insurance allows you to protect your boat and passengers against liability and damage in the event of an accident without busting your budget.  Our specialized team will help you identify the right coverage for your boat insurance needs.

McVey Insurance policy can provide insurance for your boat. Let us provide you a free online Boat insurance quote that gives you the right protection for your investment, or call one of our boat specialists for a free quote today.

Contact us today or come connect with us on our social sites; FacebookLinkedIn, and Twitter!

 

McVey Insurance Agency

1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177
Fax: 209-577-0288

*images courtesy of  istockphoto.com

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McVey Insurance
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1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177  
Fax: 209-577-0288
www.mcveyinsurance.com
Lic#0821827

McVey Testimonials
I’ve been working with James for about 3 years. He has always gone above and beyond to ensure I have the coverage I need at the best possible price. I don’t have to worry about anything, he handles it all. I’ve had several claims where I felt like he was representing me, not an insurance company. If you haven’t talked to him…You should. Thanks James. Bear W. Modesto, CA
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