We recently posted on Facebook regarding new lawn and garden tools. One of the last things mentioned was a reminder to store your tools after use, rather than leaving them out. This is important not only for maintaining your property, but it also helps prevent the items from being stolen. So many times, something simple like putting items away can prevent a loss from happening in the first place. This can be anything from locking the car doors and keeping valuable items out of sight if you plan to leave them in the vehicle, to practicing proper fire safety in your home.
Now that Spring is here, it is a good time to examine whether you are doing everything that you can to protect yourself and your property. One common thing that people do is let their policies for recreational vehicles, like motorcycles, lapse during the winter months. If this is the case for you, please remember to purchase insurance for your vehicle before you go riding this season. Some of our companies have a winter lay-up program for these sorts of vehicles as well, meaning that the company will place lower liability limits on the vehicle, while possibly removing collision coverage, as the vehicle would most likely be in storage and not being used. If you are participating in this sort of program, you should check with your agent to be sure that you have the proper coverage in place.
Another thing to consider doing in the spring is either creating or updating your home inventory. While there is no requirement to keep an inventory of your personal property, it can be extremely useful in case you do have a loss. Many people purchase new items in the spring using their tax returns, or perhaps have received gifts over the holidays and have yet to update their inventory.
As always, if you have any questions about your insurance coverage needs, please contact our office.