Boating Prep Tips from Travelers Insurance

By | Personal Insurance, Specialty Insurance

How to Help Prepare Your Boat for Spring

Travelers Insurance

Couple on a boat

Are you one of the millions of boaters with spring fever, itching to get your vessel out of winter storage and back onto the water? If so, be sure to take the time to properly de-winterize and prepare your boat before taking it out for its first voyage of the season.

Having a spring ritual that includes recommended inspection, tune-up and cleaning of your boat before setting out on your first trip can help prevent a host of problems that could keep you off the water later in the season — not to mention, help keep you and everyone aboard safe during your adventures.

Following are some tips to help get your boat as ready as you are to hit the water this year.

Prepare for the Season Ahead

Use some of those pre-season days to plan for brighter days of boating ahead:

  • Take a boat safety course, and obtain your boating certificate (if you have not already).
  • Read your owner’s manual and consult the manufacturer’s recommended maintenance guidelines.
  • Familiarize (or re-familiarize) yourself with your boat — its components, features and safety precautions.

Complete Your Pre-Launch Inspection and Maintenance

To help ensure a smooth, safe start to the boating season, have an American Boat and Yacht Council (ABYC)-certified technician or mechanic perform the recommended maintenance on your vessel. Whether or not you get a professional tune-up, be sure to complete the following checklist before leaving the dock:

  • Inspect all of the safety equipment on board, including fire extinguishers, flares, personal flotation devices and first-aid kits, and repair, recharge and restock them as necessary.
  • Check all lights on your boat to make sure they are in place and operating properly.
  • Open the engine compartment to check for excess water in the bilge.
  • Check for any electrical issues, such as loose, disconnected or corroded conductors.
  • Check that the battery is properly secured to the vessel.
  • Check the fuel tank for leaks, and ensure there is proper ventilation.
  • Check the fuel filters to make sure no water is present.
  • Fill your tank with the freshest, highest-quality fuel available.
  • Change and check the oil level before starting the boat for the first time.
  • If you will be towing your vessel to its launch point, you will also need to properly inspect and maintain your trailer prior to your first outing.

Get In, On and Out of the Water Safely

Once all tasks on your pre-launch checklist are complete, you can start your engine and get out on the water. It is important on your first, and every trip of the season, to:

  • Follow safe launching practices.
  • Monitor the engine temperature to make sure it is not overheating.
  • Monitor the cooling system to make sure it is operating correctly.
  • Ensure you and your passengers know and follow safe boating practices.

Remember: Every Vessel is Unique

The work required to get your boat water-ready will depend on whether it is used in fresh or salt water, its size, manufacturer, model, and the state in which it is registered. Be sure to get the information you need, then develop and follow the right spring ritual to help ensure every trip of the boating season is safe and fun for all.

Contact Beynon & Company to insure your boat or watercraft for the upcoming season!

412-261-3640

insure@beynonandco.com

Request A Quote Online

Valentine's Day 2018

Happy Valentine’s Day!

By | Holiday, Personal Insurance, Specialty Insurance

Happy Valentine’s Day! Be sure to insure your valuable gifts!

Whatever the purchase, consumers should take steps to safeguard and insure their valuables. Your homeowners insurance may have limits to covering valuable and precious items such as jewelry.

Call, email, or request a quote from Beynon & Co Insurance today to find the best way to protect your beloved Valentine’s Day gift.

412-261-3640

insure@beynonandco.com

Request A Quote Online

water flood

Flood Insurance

By | Personal Insurance, Specialty Insurance

Things you may not know about a flood insurance policy

Do I need a flood insurance policy if I live by a body of water in Pittsburgh? Does my homeowners insurance cover damage from water? Does it matter what water sources the damage came from?

Beynon & Co. Insurance agent Robert Heinle is here to answer these questions for you!

If you live near a river, creek, ocean, or lake, you should definitely look into getting flood insurance. But what if you don’t? Unusual or rapid overflow from from rain or runoff may occur at any time.  Flood damage may not be covered with your homeowners insurance policy, but it may be if you have a flood insurance policy. Plan ahead to help protect the house you’ve worked hard to make your home. Find out more in this video:

 

Call today or request a quote online!

wedding insurance

Why Do I Need Wedding Insurance?

By | Personal Insurance, Specialty Insurance

No matter how you look at it your wedding is an investment! Regardless of how well you plan, something can always go wrong. Just think, what if you arrive at the bridal boutique to pick up your dress and find that the store has went out of business? What happens if the Hall you’ve rented experiences a fire and must close for restoration when your wedding is scheduled for next week?

Wedding planning is stressful enough. Give yourself peace of mind by purchasing a wedding insurance policy through our agency! Policies start at as little as $160.00 a year and have a zero dollar deducible!

What does it cover?

  • Private, by invitation only events, hosted by individuals. This includes the ceremony and reception as well as the rehearsal dinner up to 48 hours before the wedding.

Key points of Coverage

  • Coverage in the event of Cancellation or postponement of the event due to necessary unavoidable situations for the following contracted services and items:
  • Transportation
  • Food
  • Catering Services
  • Hall and Location rentals
  • Special Attire – purchased or rented
  • Flowers
  • Photographs
  • Entertainment
  • Property and Equipment Rentals
  • Travel Accommodations
  • Dated and perishable items
  • Lost Deposits Protection in the case that a vendor fails to provide a contracted item or service, including but not limited to wedding gowns/tuxedos, photography, entertainment, flowers, venues, and catering.
  • Coverage for extra expenses incurred in the event that you must find a replacement item or service at the last minute.
  • Event gifts protection.
  • Liability Coverage can be added as it is sometimes required by a venue to protect you in the event that a guest is injured or causes damage to the property.
  • Liquor Liability may also be added to protect yourself against liability arising from an alcohol related incident (subject to conditions and exclusions).

When should I get it? – As soon as you say yes!

  • Coverage can be issued anywhere from 2 years to 1 day before the wedding date.

(***Coverage Restrictions apply if policy is issued within 14 days of the event.)

Call today or request a quote online!

Why Renter’s Insurance Is Worth Purchasing

By | Personal Insurance

Whether you’ve grown up in the Steel City and are ready to find a place of your own, or you’ve landed your dream job here and are coming as a first-timer, there are plenty of rental options to suit your specific needs. Once you’ve found a house, condo, or apartment to call ‘home,’ finding renter’s insurance in Pittsburgh is an absolute must, as it provides protection against theft, fire, and more. Read More