Tag Archives: home insurance

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Riding a snowmobile in winter

Insure Everything From Fun To Function

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Insurance provides financial support and reduces uncertainties. It provides safety and security against particular events. Insurance provides a cover against sudden losses. It’s important to insure everything that’s both vital, like your house and car, as well as fun, like a boat or snowmobile. Ensuring a safety net for these items will save a lot of possible headaches and out-of-pocket expenses if a covered loss were to occur.

Car Insurance

Car insurance is one necessity that can feel very burdensome, especially when it comes to paying for it each month. The range of costs, types, and quality of policies is a lot for anyone. The Insurance Research Council estimates that 14 percent of the driving population in America is uninsured, which may be due to economic factors, cost, and confusion about auto insurance. At Yetter Insurance, we work with you to determine your auto insurance needs and personalize your service to bring you the protection you deserve at the best value. There are several criteria that go into our assessments of how much coverage you should purchase.

Home Insurance

Whether you’re buying a new home or you’ve already paid off the mortgage, you may have wondered about the value of home insurance. Your home is likely one of, if not the most, valuable assets you have. Homeowners insurance helps protect that investment — and you — in a variety of ways. Not only does it just protect your home, but can also cover personal property, your family, and any guests you have.

Snowmobile Insurance

Winter weather can be unpredictable, but your snowmobile insurance shouldn’t be. Snowmobiles can cost several thousand dollars, with top of the line models exceeding $15,000. With an investment like that, you want to make sure you have the right insurance coverage.

What are PA and NY Snowmobile Insurance Requirements?

Pennsylvania and New York both require riders to carry liability insurance.

According to the PA DCNR:

If you plan to ride your snowmobile on property that is not owned or leased by you, you must carry liability insurance. Proof of that insurance must be carried with you when you ride. There are no minimum requirements or coverage standards established by DCNR or the Snowmobile/ATV Law for the liability insurance.

According to the New York State Parks department:

All snowmobiles operated on any part of a roadway or shoulder of a highway in New York State must be covered by minimum liability insurance. New York State Parks law requires snowmobilers to carry liability coverage in the minimum amount of $10,000 for an accident involving one person, $20,000 for an accident involving two or more persons, and $5,000 for property damage from one accident. Proof of insurance must be carried by the snowmobiler and must be displayed on request of any magistrate, law enforcement officer, or anyone who has suffered personal injury or property damage as a result of the snowmobiler’s actions.

Do I Need Year-round Snowmobile Insurance Coverage?

Do you need year-round coverage on a vehicle you only ride in winter? Between the cost of the snowmobile, maintenance, and riding gear, snowmobiling can be an expensive sport. You may be looking to save money by only insuring your snowmobile part of the year—but is it worth it?

Typically, you’re better off buying year-round coverage for several reasons. The cost difference between year-round and partial-year coverage is usually small enough that it makes sense for most customers to opt for continuous coverage (and continuous peace of mind.) Even when your snowmobile is in storage, the risk of fire, flood, and other accidents is still present. A year-round policy can guarantee protection for your investment.

A Yetter Insurance agent can help you find ways to save on your snowmobile insurance. You may receive discounts if you complete a safety course, are a homeowner, are a safe driver, and more.

Boat Insurance

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.


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What is Personal Property Coverage and How Does It Work?

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Personal property coverage is the part of a home insurance policy that covers items like furniture, antiques, jewelry, clothes, and electronics. Every home insurance policy includes some personal property coverage, but depending on the value of your belongings, it may not be enough. That’s why insurance carriers offer several types of additional coverage for personal property.

Conduct a Home Inventory
The first thing you should do in determining whether you need additional personal property coverage is to conduct a home inventory of your valuables. This can be done by starting with the most recent, expensive purchases and working backward, or by taking inventory by room.

When taking an inventory of your belongings, include the approximate date purchased, the purchase price, and the estimated current value of the possessions in your inventory. Keep receipts of all major purchases with your inventory, as well as photographs of the belongings listed.

These inventories can be written on lined paper, pre-formatted files like this one provided by Foremost Insurance, or recorded into personal inventory apps, like Know Your Stuff, a free app from the Insurance Information Institute for iPhone and Android.

An inventory of your personal items makes it easier to see the total value of your property, indicating whether additional coverage is needed, or if the current coverage offered with your home insurance policy is sufficient.

Here is a useful video with tips on taking a home inventory and how it can benefit you in the event of a natural disaster.

The Different Types of Personal Property Coverage

If you need more coverage, it’s important to know the different types of coverage that are available.

Actual Cash Value
Belongings are often covered at their fair market value.  This equals the replacement cost minus depreciation. Actual cash value coverage pays out claims for their depreciated value (what you could hope to get at a yard sale or online auction for your property).

Replacement Cost Coverage
With replacement cost coverage, the insured property is covered for the cost to repurchase the item at the time a claim is filed. This means that the item is actually replaced in full, rather than paid out in a depreciated cash value.

Scheduled Personal Property
Scheduled personal property is an optional additional coverage that you can add to your home insurance policy to cover high-value items. Most personal property coverage has limits for individual items of around $1,000. If you collect fine art, jewelry, or other items that can be worth well over $1,000, scheduled personal property can help to cover your collections or prized family heirlooms.

If you’re interested in adding additional coverage to your homeowners’ insurance policy, or have questions pertaining to your current policy and coverage, please contact your Yetter Insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.

 

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Yetter Insurance Agency is a family-owned business, located in Milford, PA, that offers a variety of homeowners’ insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. We offer plans from top-rated carriers that fit every need and budget. If you’re interested in expanding or changing your coverage, please contact one of our skilled agents today. For more information, please visit http://yetterins.com.

Sources:
http://www.foremost.com/mygreathome/home-safety/insurance/personal-property-inventory.asp
https://www.progressive.com/homeowners/home-owners-insurance-coverages/


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Seasonal Home Insurance for Pike and Wayne County, PA

How to Winterize and Close Your Vacation House for the Season

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Locking up and winterizing summer vacation homes is something that many Americans do each year, but it’s important to do it right. Many things can go wrong over the long, cold winter months, and if you don’t properly winterize your vacation home, you could be met with an awful surprise when you open the house back up in the spring. Follow these steps to ensure that your summer vacation home is safe throughout the long winter season:

  1. Make a checklist
    It’s important that you don’t miss any steps in winterizing your summer vacation home. By making a checklist and checking off tasks as you complete them, you ensure that you don’t miss any of the vital steps required in safeguarding your home from the potential dangers that it faces from winter weather and several months of being uninhabited. A checklist will also stand as a reminder of what needs to be done when re-opening the house in the spring.
  2. Clean
    To reduce the amount of work required in re-opening the house in the spring, you’ll want to clean the house thoroughly before winterizing and closing it up. You’ll want to focus much of your attention on cleaning the kitchen. Clean out the refrigerator and freezer completely, and prop the doors open to prevent the growth of mold or mildew. Remove all food from the pantry. Any non-perishables can be transferred to metal containers to prevent rodents from gaining access to them. Make sure to dispose of any potential fire hazards.
  3. Turn off water
    Make sure to turn off the main water supply, usually located along the exterior of the house. After turning off the water access, run all taps in the house, flush all toilets, and empty water heater to clear the waterlines. This will prevent freezing or bursting pipes. Cover all toilets with Saran wrap to prevent sewer gasses from entering the home.
  4. Adjust the thermostat
    Ideally, you want to set your thermostat to the lowest temperature that will protect the home from freezing.
  5. Unplug all appliances
    This step can be skipped if you plan to shut off all power to the house, but if you leave the electric power on, you’ll want to unplug all appliances. This includes major appliances such as the refrigerator, oven, and washing machine, as well as your television, computer, and lamps. This will help prevent accidental fires due to a faulty switch.
  6. Shut off gas
    If the house utilizes gas for heating or cooking, you’ll want to shut off gas lines to the house to prevent accidental fires.
  7. Store outdoor furniture and decorations
    Move all outdoor furniture and garden ornaments indoors to protect them from weather and theft.
  8. Lock away vehicles
    Any vehicles that you keep at your summer home, be it a car, boat, ATV, or bicycle should be locked in a garage or shed to prevent the threat of theft.
  9. Stop your mail
    Contact the post office and stop routine delivery of mail during the winter months. This can be done at http://usps.gov. If there is a neighbor that you trust, ask them to keep an eye out for package deliveries from UPS or FedEx.
  10. Lock the house at all points of entry
    After you’ve completed everything else on your checklist, lock all the doors and windows in the house. If you have a neighbor that you trust, give them a key to the house and ask them to check in on it sporadically.
  11. Talk to your insurance agent
    Do you have vacation home insurance? If not, it’s pertinent that you speak with an insurance agent about covering your vacation home. Many things can go wrong in a vacation home when it’s empty throughout the winter. Make sure you’re covered for any potential problem that may arise while you’re away.

Accidents happen, and you can never eliminate all risk, but by following the simple tips in this article you can minimize the risks associated with closing up a vacation home for the winter. For information about your vacation home policy, or to buy a new policy, please contact your Yetter insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.

 

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Yetter Insurance Agency is a family-owned business, located in Milford, PA, that offers numerous seasonal home insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. If you own a vacation home in the area or are thinking about buying one, our agents can help you find the right insurance for your secondary property. For more information, please visit http://yetterins.com.

Source: http://www.wikihow.com/Winterize-a-Vacant-Home


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