Month: June 2020

Is getting a home insurance policy in Missouri a good idea?

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Owning a home in the Eureka, MO area is a great long-term option. When you own your own property, you will have a consistent place to live and can take advantage of the long-term benefits that come with owning property instead of renting. If you are going to purchase a home in the Eureka area, you should carefully consider your insurance needs. There are several reasons why getting a home insurance policy is a good idea.

Provides Valuable Coverage

One of the main reasons to get a home insurance policy is that it can provide you with very valuable coverage. If you own a property, you will have a major asset that needs to be protected. With a home insurance policy, you will get coverage for your valuable assets, including your dwelling and personal belongings. You can also get a liability insurance policy to protect against this risk.

Ensures Compliance

Another reason why it is a good idea to get a home insurance policy is that it can ensure compliance. There are several situations when having this insurance coverage is a requirement. Those that live in an association or have a mortgage will likely have mortgage requirements. If you do have this insurance coverage in place, you will stay in compliance with your lender and home association. 

As you are shopping for home insurance in the Eureka, MO area, you should call the team at Focus Insurance. When you reach out to the team at Focus Insurance, you can learn a lot more about how home insurance can protect you and your valuable assets. The team here will also help to provide you with the guidance and support you need to pick a policy that is right for your situation. 

Boat Safety Tips for Summer

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With summertime in Aliso Viejo, CA, comes time out on the boat. There are plenty of things you can do to make sure you and passengers stay safe. 

  • Take a Boat Safety Course: You may be able to prevent an accident with proper training, especially if the course meets the U.S. Coast Guard’s recognized national standards. You may even qualify for a discount on insurance. Contact an agent at BenefitSource Insurance Services, Inc. to find out. 
  • Always Wear a Life Jacket and Make Sure Guests Do Too: Drowning can happen when people aren’t wearing lifejackets. Be sure that you have life jackets onboard and children are wearing one that fits correctly. In cold water, life jackets are more important since hypothermia can present a big risk. 
  • Understand Boat Safety Recommendations: Think about what would happen if drivers disregarded laws. Violations of safety rules can be a contributing factor in many accidents. Knowing procedures and navigation rules before getting on the water is important. Use common sense on the water. 
  • Don’t Drink While Boating: Alcohol use can be a leading factor in many fatal boating accidents. You want to make sure you are staying sharp and leave the alcohol for when you are back on dry land. 
  • Don’t Overload the Boat: Be sure to follow the boat’s capacity restrictions. Overloading with equipment or passengers can unbalance the craft. 
  • Have a Boat Safety Kit: It’s impossible to predict any emergency but you can be prepared. No matter the size of the boat, you should have a safety kit. Include items such as duct tape, flashlights, buckets, a first aid kit, ropes, a whistle, a fire extinguisher, and life jackets.  
  • Get Your Boat Checked: The U.S. Coast Guard Auxiliary does free Vessel Safety Checks so you can be prepared.  

Contact BenefitSource Insurance Services, Inc. in Aliso Viejo, CA to get a quote on boat insurance.