Owning a boat is an exhilarating experience, providing endless opportunities for adventure and relaxation on the water. However, like any valuable possession, boats are susceptible to accidents and damage. That's where boat insurance comes into play. Whether you're a seasoned sailor or a new boat owner, understanding the most common boat insurance claims can help you stay informed and prepared for potential risks. In this blog, we will explore some of the most prevalent boat insurance claims and offer tips to mitigate them.

​If you're a tenant, you may think your landlord's insurance policy will protect your belongings in case of theft, fire, or other damages. However, this is not always the case. Landlord insurance typically only covers the building and any fixtures, not your personal belongings. That's where renters insurance comes in.

​Auto insurance is an essential aspect of responsible vehicle ownership. Whether you're a seasoned driver or a new car owner, having the right insurance coverage can protect you from financial burdens and provide peace of mind in case of an accident. In this blog post, we'll delve into the world of auto insurance, exploring its significance, different types of coverage, factors that affect premiums, and tips for finding the best policy for your needs.

Summer is a fun time for humans and pets, but the rising temperatures can pose risks to our furry friends. Here are some essential tips to ensure your pets stay safe and comfortable during the summer season:

If you own a home, you may already know that home insurance is essential for protecting your investment. However, with so many different home insurance policies, it can take time to understand which one is right for you. In this blog, we'll break down the different types of home insurance policies, so you can make an informed decision when selecting a policy.

Hook Up with A Headlamp
Headlamps give you the hands-free ability to see what’s in front of you and navigate the darkness safely. If you often walk your dog in the dark, a headlamp is a near necessity. A flashlight is a good substitute for a headlamp. Either way, cleaning up after your pup in the dark will be easier if you can see the poo!
Walk smart (and take a familiar route)
In addition to gearing up against the weather and dark, it’s important to use caution and common sense when walking your dog at night. You don’t need to be afraid, just cautious. Cars, joggers, cyclists, and other dog walkers may not be paying attention, and can startle your dog at night.

• Walk against traffic so you can see what’s coming.
• Stay on the sidewalk along well-lit roads, and avoid shortcuts through dark lots or alleyways.

It’s best to stick to familiar routes when walking your dog at night. There’s no good time for a dog to get lost, but it’s especially dangerous in unfamiliar territory in the dark. Walking on familiar, main streets won’t only prevent you from getting lost in the dark. i will also help prevent run-ins with other creatures who may be prowling around at night. Opossums, skunks, and raccoons come out to play at night, and while they may be cute in pictures, they’re no fun to encounter with a spooked dog.
Carry your phone
This is plain common sense: your phone may be a lifesaver in case of emergency. Be sure to keep it charged, and save the phone numbers for your local non-emergency police, emergency veterinarian, and a taxi service just in case, or ensure quick access to a ride-sharing service via an app. In addition to being a safety necessity, your smartphone may have several features to improve your nighttime walk: a built-in flashlight to use as a backup light source and navigational tools to help you map your route in the dark. Just don’t get caught up checking your social media pages or email and distract yourself from your surroundings. 
Do NOT wear headphones
This goes with being aware of your surroundings when walking your dog at night. If you are wearing headphones, you won’t hear someone walking up behind you, or a car that may be out of control. Just enjoy the peacefulness of the night air.
Walking your dog at night doesn’t have to be scary. With a familiar route and the right accessories, your evening outing can be a walk in the park. Watch this safety tip video from Safety Pup for walking your dog at night. 
We are an independent insurance agent. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs.
Source: https://www.rover.com/blog/how-to-safely-walk-dog-at-night/ and https://www.k9ofmine.com/dog-walking-at-night/ and https://www.rescuedogs101.com/top-5-tools-safe-walking-dog-night/ and https://www.longanimal.com/blog/safety-first-walking-your-dog-at-night/ 

​Beachgoers need to be aware of RIP currents. “RIP” in this case could stand for “rest in peace,” because these currents can be deadly. In the U.S., about 100 people drown in RIP Currents every year. Lifeguards in the U.S. rescue another 30,000 swimmers from RIP Currents each year. We usually think of waves as washing stuff onto the beach—seaweed, shells and other ocean debris. But, sometimes the waves hit the beach in a certain way to create a current that flows away from the beach. This is a RIP Current. When waves travel from deep to shallow water, they break near the shoreline and generate currents that are influenced by the shape of the ocean floor, at times producing RIP Currents. Waves interacting with each other can also cause short-lived RIP Currents.

Although it is not required to carry insurance on your Watercraft/Boat, it is better to be prepared in the event of a loss!