Let’s Chat About RV, Mobile Home and Boat Insurance
Insurance isn’t your typical water cooler chat, unless of course, you work in the industry. We’d like to change that! It’s summertime and that means you’re chatting with your friends, coworkers and family about next weekend’s plans and those just might include your RV or your boat. Maybe you have a manufactured home in a great vacation location that you’re planning to spend time at. Are you sure they’re all properly covered? See how easily chatting about your weekend plans can turn to the topic of insurance? So, seriously, let’s chat about RV, Mobile Home and Boat Insurance.
Breaking Down What’s Covered When You Insure Your RV, Mobile Home and Boat
At G. Stan Kearby Insurance, we understand that it can make your head spin when you think about getting proper coverage in any area of your life. That’s why we’re here! Let’s take a look at what each of these policies and why they’re important:
RV Insurance - Your RV deserves its own policy. In most cases a specialty RV insurance policy costs less than your auto policy and provides the important, comprehensive coverage you need. Simply adding your RV under your auto policy might leave you with surprises if you need to file a claim. Hit the road with peace of mind and proper coverage.
Mobile Home Insurance - Covering your mobile home, any additions it may have and your personal property within the structure are important and necessary. Protect your manufactured home against depreciation. Replacement Cost Coverage gives you the money you need to replace what’s damaged versus what it is worth. We’ll help you find the right policy at the right price for your individual needs.
Boat Insurance - Is there anything better than a day out on the boat? Yes, the confidence that your passengers, gear and boat are all properly covered. Get out on the water and focus on the fun without the worry of what could go wrong if you have to file a claim. Whether you’re taking out a small fishing boat, or a luxury yacht, finding the proper coverage for your specific needs is vital.
We’ve been helping customers get into the right policies for their individual needs for over 40 years. RV, Mobile Home and Boat Insurance are just a few of the policies we can help you with. Every policy is important and we’re dedicated to finding you exactly what you need.
Call us for a review of your current policies and for peace of mind 530-674-3430.
Posted on June 27, 2017 by Tyler Campbell.
Get Road Trip Ready! Vehicle Maintenance Tips for Summer
One of the most iconic images of summer is the family vehicle packed tightly and ready for a road trip. Almost all of us have memories from our childhood of our family’s summer road trip ventures. Movies, songs and jokes have been made about this tradition. We want to help you avoid having any of those Vacation scenes take root in your own family memories. We’ve put together these vehicle maintenance tips to help you and your family have a carefree road trip this summer.
Car Maintenance Tips for Summer
Get road trip ready! From bumper to bumper, roof to chassis, you want your vehicle checked out, aired up, fluids changed and filled before you hit the road! Your vehicle service department may offer a special package just for getting road trip ready. Ask them. Make sure each of these items gets checked off the list:
Battery - Have your battery tested, making sure it isn’t low. Getting stranded on the road with a dead battery does not make for fun road trip memories.
Brakes - Road trips usually have a destination, but there are always plenty of stops along the way. Make sure your brakes won’t cause you to breeze past stops you intended to make.
Belts - Inspect belts for wear or cracks.
Oil and Fluids - Getting an oil change before you hit the road and having all your fluids checked and filled are two easy ways to help your vehicle run more smoothly and reliably while you’re on the road.
Tires - When the rubber hits the road, you want to make sure there’s a safe amount! Check your tires to help avoid blowouts and flats along your journey. Have your tires rotated if it’s been close to 5,000 since their last rotation.
Lights - No need to meet local law enforcement because of a burnt out signal or headlight. Check all your bulbs so you can be well seen when on the road.
Air Conditioner - Things are heating up! Uncomfortable passengers do not make for happy road trips. Have your system checked for optimal comfort.
Emergency Kit - Have you prepared your emergency kit? Even with having your vehicle serviced, checked and prepared, there’s always the chance that something could go wrong. Carry an emergency kit in your vehicle and be sure to include these items:
- Jumper cables
- Nonperishable food
- Flares or reflective triangles
- Flashlight with extra batteries
- Rain gear/poncho or large garbage bags
- First aid kit
- Motor oil
- Knife or cutting tool
- Blankets (Space blankets are a great space saver)
Insurance - Avoid any unforeseen issues both at home and on the road while you’re away. Have a review of your policies done and drive off into the sunset with peace-of-mind.
It’s the perfect time for your road trip. These vehicle maintenance tips for summer will help you make memories that you’ll want to revisit!
Call us to review your policies (530) 674-3430
Posted on May 18, 2017 by Tyler Campbell.
Spring Cleaning Checklist for Your Home
Spring cleaning is on everyone’s mind, inside and out, it’s that time of the year! We want all our spaces checked and in good repair. While we get our office in order, we thought we’d help you keep everything neat, tidy and in good working order around your home. Our spring cleaning checklist for your home is a guide to help your home and your family stay safe and avoid home damage that can affect your peace-of-mind.
Our Indoor & Outdoor Spring Cleaning Checklist for Your Home
Inside Your Home -
- Appliances - These should be checked to make sure they’re still working properly, and those that that use water should be checked for any signs of leaking that can ultimately cause damage to your home's walls and floor.
- Refrigerator and Freezer - Deep cleaning your refrigerator and freezer should include checking for leaks underneath or behind the appliance.
- Sinks and Disposal - Check around your faucet and underneath for any signs of leaking.
- Dishwasher - Look for any signs of leaks, loose seals or damage.
- Toilets - Listen for running water or hissing and check for leaks.
- Washing Machine - Check for any water underneath or behind your washer.
- Hot Water Heater - Check your hot water heater’s pressure release valve. If you’re able to see the valve, check it for leaks. If it’s plumbed directly into a drain and you can’t see it, listen for a hissing sound.
- Change Air Filters - Keep dust and allergens from invading your home by replacing your air filters.
- Replace Batteries in carbon monoxide and smoke alarms - These important devices need annual battery changes to ensure they will work properly in case of an emergency, keeping your home and family safe.
Outside Your Home -
- Roof - A damaged and leaking roof can cause a multitude of grief for a homeowner. Check for any signs of leaking or damage and have them repaired promptly.
- Chimney - Schedule a cleaning with a professional chimney sweep. A buildup in your chimney is a fire hazard and can cause problems for your home and your family. Check the outside of your chimney for any signs of damage.
- Pest Control - Pests can cause problems to plumbing, wiring and even your family’s health. Have a pest control company ensure you’re pest-free, inside and outside your home.
Your Insurance Policy - Finally, don't forget to check your homeowner's policy and make sure everything you need is up to date.
To check your policy you can always schedule a complimentary call with Kearby Insurance by calling: (530) 674-3430.
Posted on May 1, 2017 by Tyler Campbell.
Flood Insurance Facts: What You Need to Know
Heavy rains and the recent emergency situation regarding the Oroville Dam have put flooding top-of-mind for many of us, making flood insurance more of a topic of conversation than usual. We’ve put together essential flood insurance facts in this blog so you can easily find what you need to know.
Flood Insurance Facts: What You Need to Know
First-of-all, it’s important that everyone know that no matter where you live, we are all in danger of flooding. If a pipe breaks in your home, or a window breaks during a storm and rain comes in, then the damage to your home and your possessions would be covered. However, if standing water from a storm, or water from a nearby flooded creek or mudflow came into your house you would not be covered at all. Homeowners insurance and flood insurance work together to make sure that your home and belongings are fully covered. Flood insurance is a vital part of being properly covered at all times.
Here are some facts to keep in mind:
- There is a 30-day waiting period for standard flood insurance coverage.
- There is a 15-day waiting period for catastrophic flood insurance coverage.
This makes getting proper coverage right now a vital part of your plan.
Additionally, you should know:
- In the last few years, all 50 states have been affected by flooding or flash floods.
- Homeowners Insurance does not include any flood damage.
- Everyone lives in a flood zone (it’s true!). Click here to view flood zones for more info.
Do renters need flood insurance?
Yes! Flooding is not covered at all under general renter’s insurance. You would be at a total loss should the apartment or home you are renting flooded.
In addition to proper coverage for after-the-fact, here are 3 basic flood prevention tips homeowners can take to help ensure minimal damage should you and your home face future flooding.
- Make sure your property has proper drainage in place. You might consider consulting a professional landscape architect to ensure both surface and subsurface drainage are in place.
- Keeps grates and basins cleared of debris. Periodically check that grates and drainage pipes are clog-free.
- Have debri-flow systems in place. You can find tips and instructions by clicking here.
These flood insurance facts are intended to help you better prepare you home and family in case of a flood. Don’t wait - Mother Nature isn’t!
Call us today for a review of your current policies 530-674-3430.
Posted on March 28, 2017 by Tyler Campbell.
Home Fire Prevention - Set Your Romantic Evening on Fire While Protecting Your Home
It’s the time of year when we plan romantic evenings to celebrate love. Often times this includes a cozy fire in the fireplace, candlelit tables, and home cooked meals. You can make it a night to remember, just don’t let your flaming heart and your best-laid plans translate into an accidental house fire! Keep reading for Home Fire Prevention tips that will let you focus on your romantic evening while protecting your home.
Home Fire Prevention Tips
Ready, Set, Romance! One of the first things that comes to mind when planning a romantic evening is candles. The gentle flickering and subtle glow of a candle’s flame helps us relax and shed the regular thoughts of our busy days. Unfortunately, burning candles are the cause of many preventable home fires each year. However, you don’t have to shy away from lighting your sweetheart’s favorite candle. Follow these simple tips to keep your home safe and your hearts burning:
- Keep lit candles safely away from all flammable materials.
- Never leave a burning candle unattended.
- If your candle is in a holder, be sure it’s not only sturdy but is placed where it won’t be easily knocked over. You don’t want to raise your glass to toast your love and accidentally knock over a candle.
Now that the candles are safely lit and placed, it’s time to get your fireplace burning with that cozy fire to cuddle up next to. These simple tips help you focus on the comfy feeling your fireplace can provide and not on quickly extinguishing a home fire or your love:
- Keep your chimney clean with annual, professional cleanings.
- The area within 3 feet of your fireplace needs to be free of all flammable items.
- Remove ash build up regularly.
- Let ashes cool before removing them.
- When a fire is burning in your fireplace keep a fire screen up, preventing flying sparks from entering the room.
The mood has been set, you’ve followed all the safety tips for your evening fire and your flickering candles and you can start that recipe that’s sure to show your sweetheart that you’ve got them on your mind. More home fires start in the kitchen than anywhere else in the home. Follow these tips to keep your love simmering and your home safe:
- Never leave cooking food unattended. Grease splatters can easily ignite a fire that can get out of control quickly.
- Don’t wear loose-fitting clothing when cooking. Long sleeves or a loose top can catch fire.
- Keep all flammable items well away from your cooking area. Wooden utensils, pot holders, and dishcloths should be kept away from the stove unless actively in use.
- Set a timer. This helps your love-focused brain remember that you’ve got something in the oven.
- Always double check that your stove and burners are off after you’re finished cooking.
Even the best intentions can be met with accidents and fires can start quickly. Be sure you have proper fire insurance for yourself, your home and your property. Peace of mind allows you to relax and enjoy the romance of the season better than anything else.
Is your home covered by fire insurance? Call us to review your current policy and to help you get the best coverage for all your needs: (530) 674-3430.
Posted on February 9, 2017 by Tyler Campbell.
New Year’s Resolutions that can Lower Your Insurance Rates
Sticking to your New Year’s resolutions can actually equal better insurance rates! Imagine working to improve yourself and then realizing that it’s saving you money! We think this is all the more reason to make 2017 the year you make and keep your resolutions! Check our list of resolutions that can help you slim your waistline while fattening your wallet.
5 New Year’s Resolutions that can Help You Lower Your Insurance Rates
- Lose those extra pounds - That’s right, keeping your BMI in the healthy range equals savings on your insurance rates. A slimmer, healthier you means a slimmer health insurance rate. Sounds like a win-win to us! Need help finding your BMI? Use the BMI calculator on webmd.com to see where you fall.
- Quit smoking - Non-tobacco users can save as much as 50% on their insurance premiums, compared to their tobacco-using counterparts. That’s a significant savings and a great reason to keep your 2017 resolution to be smoke-free!
- Create a safer home environment - Ask your homeowners insurance company or your agent (we can help) about safety and security discounts. Did you know that something as simple as cleaning out your garage so you can park the car inside may help reduce your rate? Looks like Saturday is going to be productive!
- Improve your credit score - This might seem like it has little to nothing to do with lowering your insurance rates, but credit is money and a better score can equal a better rate. Speak with your trusted financial advisor to make a plan to increase your score.
- Drive more safely - Turning off your cell phone, or keeping it out of reach can greatly reduce your risk of an accident. Distracted driving is a leading cause of accidents, which increase premiums. Focusing on your driving and leaving that call or text until you arrive safely at your destination can directly impact your rate.
Self-improvement is always a worthy resolution, but when you can work on a better you and lower your insurance rates at the same time, it’s a great way to start the new year!
Call us with all your insurance questions. We’re here to help! 530-674-3430
Posted on January 30, 2017 by Tyler Campbell.