Tellico village land tennessee tellico village tennessee land for sale

Tellico Village Land, Tennessee - Tellico Village land for sale. Tellico Village tn, Tennessee Land for Sale. TELLICO VILLAGE is a golf and lake resort community located 35 miles from Knoxville in beautiful Tennessee. Nestled in the foothills of the great Smoky Mountains, this unique Tennessee land for sale contains home sites that sit no more than a mile from Tellico Lake which is part of an inland waterway system that flows through 21 states, up to the Great Lakes and down to the Gulf of Mexico! I think you will see that this is a once-in-a-lifetime opportunity you will not want to miss! WE ONLY HAVE A LIMITED NUMBER OF HOME SITES TO SELL. The Tennessee land for sale is limited so these home sites will be sold on a FIRST-COME, FIRST-SERVED BASIS and we expect them to go fast! Look over the website and then sign up to take part in our FREE WEEKEND FOR TWO!* You and a guest will receive round-trip airfare for two, deluxe hotel accommodations, ground transportation and a private, no sales pressure tour of our home sites.

But you'd better hurry! Our FREE WEEKENDS are filling up fast, so don't delay! Call or make an Online Reservation to reserve your FREE weekend today!

Tellico village land tennessee tellico village tennessee land for sale

Tellico Village Land, Tennessee - Tellico Village land for sale. Tellico Village tn, Tennessee Land for Sale. TELLICO VILLAGE is a golf and lake resort community located 35 miles from Knoxville in beautiful Tennessee. Nestled in the foothills of the great Smoky Mountains, this unique Tennessee land for sale contains home sites that sit no more than a mile from Tellico Lake which is part of an inland waterway system that flows through 21 states, up to the Great Lakes and down to the Gulf of Mexico! I think you will see that this is a once-in-a-lifetime opportunity you will not want to miss! WE ONLY HAVE A LIMITED NUMBER OF HOME SITES TO SELL. The Tennessee land for sale is limited so these home sites will be sold on a FIRST-COME, FIRST-SERVED BASIS and we expect them to go fast! Look over the website and then sign up to take part in our FREE WEEKEND FOR TWO!* You and a guest will receive round-trip airfare for two, deluxe hotel accommodations, ground transportation and a private, no sales pressure tour of our home sites. But you'd better hurry!

Our FREE WEEKENDS are filling up fast, so don't delay! Call or make an Online Reservation to reserve your FREE weekend today!

Why you need boat insurance

Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats! If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to carry full coverage boat insurance. Again, most people don't think anything bad will happen – but bad things do indeed occur! Vandalism is one problem that you may encounter. This is especially true if you dock your boat in a marina.

Vandalism can also occur when you park your boat at your home, or at a hotel when traveling. When you shop for insurance, make sure that vandalism is covered on your policy. Most issuers of boat insurance will only offer you the Watercraft Liability – but in most cases, you need more coverage than that! Theft is another possibility.

Cars are stolen all the time – but boats are stolen as well. In fact, stealing a boat is easier than stealing a car! Boat insurance should cover you in the event of vandalism, theft, sinking, fire, storms, capsizing, stranding, collision, and explosion. Furthermore, the insurance should cover the boat, the motor, and the trailer used to transport the boat. The boat should be covered no matter who is operating the boat, as long as they are legally allowed to operate the vessel. Boat insurance will typically cover you in the event of malfunction as well. If something happens to your motor, it should be covered by your insurance. It should also cover you in the event that your boat needs to be towed back to shore. What you are covered for depends on what type of coverage you purchased through your insurance agent. For this reason, it is important to know what type of coverage is available. Not all insurance companies will offer all types of coverage, but they will offer Watercraft Liability and Watercraft Medical payments. Watercraft liability covers you just like car liability insurance protects you in the event of an accident where you are found to be at fault. Medical payments will cover medical expenses incurred by you and the occupants of your boat that are the result of a boating accident in the covered water vessel. Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Wreck removal is very important coverage to have. If you boat sinks, it will need to be raised before an insurance company can access the damages and pay your claim. This is very expensive, and in most states, the law requires you to remove wrecked or sunken vessels. Boats may be luxury items – but they are very expensive luxury items. Repairing or replacing a boat may not be something that you can easily afford – but in most cases, you will find that boat insurance is quite affordable. However, if you are thinking in terms of cost, and you think that you cannot afford the boat coverage, you can be certain that you will not be able to afford to repair or replace the boat either! No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage. Again, most states now require this liability coverage for water vessels, and if the boat is financed, the optional coverage may be required as well. Discuss your boat insurance coverage needs with your insurance agent to determine what coverage is right for you and your boat.

Why you need boat insurance

Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats! If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to carry full coverage boat insurance.

Again, most people don't think anything bad will happen – but bad things do indeed occur! Vandalism is one problem that you may encounter. This is especially true if you dock your boat in a marina. Vandalism can also occur when you park your boat at your home, or at a hotel when traveling. When you shop for insurance, make sure that vandalism is covered on your policy.

Most issuers of boat insurance will only offer you the Watercraft Liability – but in most cases, you need more coverage than that! Theft is another possibility. Cars are stolen all the time – but boats are stolen as well. In fact, stealing a boat is easier than stealing a car! Boat insurance should cover you in the event of vandalism, theft, sinking, fire, storms, capsizing, stranding, collision, and explosion. Furthermore, the insurance should cover the boat, the motor, and the trailer used to transport the boat. The boat should be covered no matter who is operating the boat, as long as they are legally allowed to operate the vessel. Boat insurance will typically cover you in the event of malfunction as well. If something happens to your motor, it should be covered by your insurance. It should also cover you in the event that your boat needs to be towed back to shore. What you are covered for depends on what type of coverage you purchased through your insurance agent. For this reason, it is important to know what type of coverage is available. Not all insurance companies will offer all types of coverage, but they will offer Watercraft Liability and Watercraft Medical payments. Watercraft liability covers you just like car liability insurance protects you in the event of an accident where you are found to be at fault. Medical payments will cover medical expenses incurred by you and the occupants of your boat that are the result of a boating accident in the covered water vessel. Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Wreck removal is very important coverage to have. If you boat sinks, it will need to be raised before an insurance company can access the damages and pay your claim. This is very expensive, and in most states, the law requires you to remove wrecked or sunken vessels. Boats may be luxury items – but they are very expensive luxury items. Repairing or replacing a boat may not be something that you can easily afford – but in most cases, you will find that boat insurance is quite affordable. However, if you are thinking in terms of cost, and you think that you cannot afford the boat coverage, you can be certain that you will not be able to afford to repair or replace the boat either! No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage. Again, most states now require this liability coverage for water vessels, and if the boat is financed, the optional coverage may be required as well. Discuss your boat insurance coverage needs with your insurance agent to determine what coverage is right for you and your boat.

How to shop for boat insurance

If you have a boat, you need boat insurance! Shopping for boat insurance is a bit different from shopping for car insurance, even though the concept is much the same. Boat insurance will protect you against losses incurred while operating your boat, and while transporting your boat. Most boat insurance includes coverage for the boat, the motor, and the trailer. When shopping for boat insurance, it is usually best to start with the insurance company that insures your cars and your home. Insurance companies usually give deep discounts to their current customers.

Most insurance companies will also give deep discounts to people who have successfully completed a boating safety course. Ask each insurance company that you contact about such discounts. In most cases, they won't tell you about the discounts unless you specifically ask. Don't settle for the rate that your current insurance company quotes! Just get the quote, and tell them you will call them back soon. Using that quote as your base, you need to see if you can get the insurance cheaper elsewhere. Using online resources is a great way to start. Get the quotes, and then contact the agents personally to see if you can work out a better deal. Believe it or not, insurance companies will compete with each other for your business. Don't be afraid to tell them the lowest quote that you have been given so far – make them work for your business! Know what type of insurance you want and need before contacting any agents. Some agents will try to sell you too much insurance, causing your premiums to skyrocket, while others aren't as knowledgeable about the insurance needs of boat owners and won't sell you enough coverage! You should be protected against losses caused by sinking, fire, storms, theft, capsizing, stranding, collision, and explosion. The policy should cover anchors, oars, trolling motors, fuel tanks, seat cushions, skis, tow ropes, dinghies, tools, canopies, life preservers, and any equipment that is permanently attached to the boat. The different types of insurance that you need include Watercraft Liability, Watercraft medical payments, Newly acquired watercraft coverage, coverage for repairs, coverage for emergency services, and coverage for wreck removal. In most states, the liability coverage entails Watercraft Liability and Watercraft Medical Payments. Watercraft liability will protect you in the event of an accident that results from the ownership, maintenance, or use of your boat. It should include bodily injury coverage, property damage coverage, and even legal defense coverage. It should also protect anyone who drives your boat, as long as they were legally allowed to drive the vessel. Watercraft Medical payments coverage will pay medical expenses up to specific limits for you and the occupants of your boat in the even of an accident. Other types of coverage are usually voluntary, but should be strongly considered. There is quite a bit that can happen when you transport or operate a water vessel, and protecting yourself legally should be a high priority! Again, know what you want in terms of coverage before you talk to an agent, and make sure that you get the coverage that you need. Compare rates online, and then contact the agents that offer you the lowest quotes. Attend a boating safety course, and make sure that you get that discount! Once you've found lower rates than the original quote that your current insurance company offered you, call them back and let them know that you found a lower rate. See if they can compete – in many cases they will offer to match that rate, just to keep your business! Again – make them work for your business! CopyRight Ian D. Major 2005.

How to shop for boat insurance

If you have a boat, you need boat insurance! Shopping for boat insurance is a bit different from shopping for car insurance, even though the concept is much the same. Boat insurance will protect you against losses incurred while operating your boat, and while transporting your boat. Most boat insurance includes coverage for the boat, the motor, and the trailer. When shopping for boat insurance, it is usually best to start with the insurance company that insures your cars and your home. Insurance companies usually give deep discounts to their current customers.

Most insurance companies will also give deep discounts to people who have successfully completed a boating safety course. Ask each insurance company that you contact about such discounts. In most cases, they won't tell you about the discounts unless you specifically ask. Don't settle for the rate that your current insurance company quotes! Just get the quote, and tell them you will call them back soon. Using that quote as your base, you need to see if you can get the insurance cheaper elsewhere. Using online resources is a great way to start. Get the quotes, and then contact the agents personally to see if you can work out a better deal. Believe it or not, insurance companies will compete with each other for your business. Don't be afraid to tell them the lowest quote that you have been given so far – make them work for your business! Know what type of insurance you want and need before contacting any agents. Some agents will try to sell you too much insurance, causing your premiums to skyrocket, while others aren't as knowledgeable about the insurance needs of boat owners and won't sell you enough coverage! You should be protected against losses caused by sinking, fire, storms, theft, capsizing, stranding, collision, and explosion. The policy should cover anchors, oars, trolling motors, fuel tanks, seat cushions, skis, tow ropes, dinghies, tools, canopies, life preservers, and any equipment that is permanently attached to the boat. The different types of insurance that you need include Watercraft Liability, Watercraft medical payments, Newly acquired watercraft coverage, coverage for repairs, coverage for emergency services, and coverage for wreck removal. In most states, the liability coverage entails Watercraft Liability and Watercraft Medical Payments. Watercraft liability will protect you in the event of an accident that results from the ownership, maintenance, or use of your boat. It should include bodily injury coverage, property damage coverage, and even legal defense coverage. It should also protect anyone who drives your boat, as long as they were legally allowed to drive the vessel. Watercraft Medical payments coverage will pay medical expenses up to specific limits for you and the occupants of your boat in the even of an accident. Other types of coverage are usually voluntary, but should be strongly considered. There is quite a bit that can happen when you transport or operate a water vessel, and protecting yourself legally should be a high priority! Again, know what you want in terms of coverage before you talk to an agent, and make sure that you get the coverage that you need. Compare rates online, and then contact the agents that offer you the lowest quotes. Attend a boating safety course, and make sure that you get that discount! Once you've found lower rates than the original quote that your current insurance company offered you, call them back and let them know that you found a lower rate. See if they can compete – in many cases they will offer to match that rate, just to keep your business! Again – make them work for your business! CopyRight Ian D. Major 2005.

Buying boat insurance 404

Buying Boat Insurance Those of you who own boat will want to make sure you get watercraft coverage. Often times, people don't realize that they need this type of coverage for their boats. There are many boat owners that don't even realize this type of insurance is even available. You need boat insurance if you own a boat, it's that simple. Before you buy boat insurance, here are some things you simply must know. - Many states now require that you carry watercraft liability coverage. What this coverage does, is protect you against any damage that you cause to other people or their property with your boat. This insurance will also cover you for vandalism, theft, fire, stranding, sinking, and even collision. You should always call your insurance agent and see what's required with your state and what policies they cover. - There is also optional coverage that you should really consider. One type of coverage that you should strongly consider is Wreckage Removal. In most areas, the removal of sunken or wrecked boats is required by law, and the responsibility of the owner to pay for the removal, which can easily be very expensive. Wreckage Removal coverage will pay these costs for you. You should also consider adding coverage that will pay for repairs and mechanical failure as well, along with towing charges - should you ever need to be towed back to the shore. - Not all insurance companies cover everyone who operates the boat. This is something you should always ask about, find out who is covered when operating the boat. There are several companies that will only cover the owner of the boat. Make sure that the insurance agent defines who is covered when operating the boat. - When you shop for boat insurance, call your current company first, then check with other companies to see what type of rates they offer as well. Always remember that insurance agencies are in competition with each other, and they'll work with you to get you to join them. Let one know about a better rate that you've been quoted and see if they'll go one better. Before you shop for boat insurance, think about the investment you have made with your boat. Boats are not cheap, replacing or repairing them isn't cheap either. Therefore, you should always make sure you get the coverage you need to protect you against anything that happens with your boat. (word count 404)

What are the different types of boat insurance available

What Are The Different Types Of Boat Insurance Available? When shopping for boat insurance, you may be surprised to find that there are different types of boat insurance policies available. Many insurance companies will only offer one standard watercraft liability coverage policy, while others will offer optional coverage that you can purchase. In fact, if you have financed your boat, your lender may require you to carry specific optional coverage. There are several different types of coverage that you can add to your policy. The standard insurance is the watercraft liability insurance coverage which is required by many states. This insurance will cover you in the event that damage is caused to another person or another person's property by actions taken with your boat – whether it is during transport or on the water. Again, many states now require this liability coverage, and each state has its own requirements as to how much liability coverage you need to have. Check with your insurance agent to find out what you are required to have. Watercraft medical payments coverage may also be required in your state.

This coverage pays the medical expenses, up to a specific amount, for you and any occupant of your boat which results from a covered accident. Even if this insurance is not required, you should definitely consider it. Medical expenses are quite high. If you think that you cannot afford this coverage, think about whether or not you could afford the medical bills you will have in the event of an accident without the coverage. Wreck removal and pollution coverage should also be strongly considered.

By law, if your vessel is wrecked or sinks, you will be required to remove it. If oil or gas leaks into the lake, river, or ocean, you will be fined – just like the big oil companies are fined when they have spills in the ocean! These fines, as well as the wreckage removal and spill cleanup can be quite expensive without this coverage. Don't make the mistake of thinking that something like this won't happen to you! You should insure yourself against uninsured watercrafts as well. This works just like uninsured motorist insurance when you purchase coverage for your automobiles. If someone who does not have insurance – or adequate coverage – collides with your boat on the water, your insurance will pay for the replacement of your boat, or for the needed repairs. Towing and assistance coverage should also be strongly considered. Getting towed back to shore often costs more than having a car towed to a garage! Especially if you are out in the middle of the ocean! You should also ask about coverage to recover your boat and protect it from further damage after a mechanical failure or an accident. These costs do indeed add up. Again, don't make the mistake of thinking that nothing bad will happen, and don't make the mistake of thinking that you cannot afford the coverage. If you can't afford the coverage, you certainly won't be able to afford these expenses! Most insurance policies should cover your boat, the motor, and the trailer used to transport the boat. Liability coverage isn't the only type of coverage that you need in most cases. You should make sure that you protect your boat, just as you protect your automobiles with coverage that includes theft and vandalism, as well as losses caused by storms, fire, sinking, capsizing, stranding, collision, and even explosions. Talk with your insurance agent to find out what type of insurance is required by your state and what type of coverage they offer. Also talk with your boat dealer and lender to find out what type of coverage you are required to have as well. CopyRight Ian D. Major 2005.

What are the different types of boat insurance available

When shopping for boat insurance, you may be surprised to find that there are different types of boat insurance policies available. Many insurance companies will only offer one standard watercraft liability coverage policy, while others will offer optional coverage that you can purchase. In fact, if you have financed your boat, your lender may require you to carry specific optional coverage. There are several different types of coverage that you can add to your policy. The standard insurance is the watercraft liability insurance coverage which is required by many states. This insurance will cover you in the event that damage is caused to another person or another person's property by actions taken with your boat – whether it is during transport or on the water. Again, many states now require this liability coverage, and each state has its own requirements as to how much liability coverage you need to have.

Check with your insurance agent to find out what you are required to have. Watercraft medical payments coverage may also be required in your state. This coverage pays the medical expenses, up to a specific amount, for you and any occupant of your boat which results from a covered accident. Even if this insurance is not required, you should definitely consider it. Medical expenses are quite high.

If you think that you cannot afford this coverage, think about whether or not you could afford the medical bills you will have in the event of an accident without the coverage. Wreck removal and pollution coverage should also be strongly considered. By law, if your vessel is wrecked or sinks, you will be required to remove it. If oil or gas leaks into the lake, river, or ocean, you will be fined – just like the big oil companies are fined when they have spills in the ocean! These fines, as well as the wreckage removal and spill cleanup can be quite expensive without this coverage. Don't make the mistake of thinking that something like this won't happen to you! You should insure yourself against uninsured watercrafts as well. This works just like uninsured motorist insurance when you purchase coverage for your automobiles. If someone who does not have insurance – or adequate coverage – collides with your boat on the water, your insurance will pay for the replacement of your boat, or for the needed repairs. Towing and assistance coverage should also be strongly considered. Getting towed back to shore often costs more than having a car towed to a garage! Especially if you are out in the middle of the ocean! You should also ask about coverage to recover your boat and protect it from further damage after a mechanical failure or an accident. These costs do indeed add up. Again, don't make the mistake of thinking that nothing bad will happen, and don't make the mistake of thinking that you cannot afford the coverage. If you can't afford the coverage, you certainly won't be able to afford these expenses! Most insurance policies should cover your boat, the motor, and the trailer used to transport the boat. Liability coverage isn't the only type of coverage that you need in most cases. You should make sure that you protect your boat, just as you protect your automobiles with coverage that includes theft and vandalism, as well as losses caused by storms, fire, sinking, capsizing, stranding, collision, and even explosions. Talk with your insurance agent to find out what type of insurance is required by your state and what type of coverage they offer. Also talk with your boat dealer and lender to find out what type of coverage you are required to have as well. CopyRight Ian D. Major 2005.

Exploring the different types of boat insurance

When searching for boat insurance, you may be overwhelmed when you find that there are many different types of boat insurance policies available. In general, insurance companies only offer one general watercraft liability coverage policy; some others may offer additional coverage that you are able to purchase. If you have financed your dreamboat, the lender probably requires you to obtain specific coverage. There are many different types of coverage available that you can add, as an addition to your standard policy. The standard policy, the watercraft liability insurance coverage, is required by law in most states. This insurance policy provides coverage in the event that damage occurs to a person or property as a result of actions taken on your boat. This is true whether or not it is during transportation or actually on the water. This is a law requirement in having this type of liability coverage, and each area will have its own requirements as to how much you will need. It is wise to consult with an insurance agent to find out what is necessary to meet the requirement of the law. It is possible that medical payment coverage may be required in your area. This type of coverage pays for the medical expenses, up to a specified amount, for you and any passenger on your boat that result in an accident covered by the policy. As a suggestion, regardless of whether this insurance is required or not, it would be wise to consider it. Medical expenses as a result of an accident can become extremely high. Another additional type of coverage to the standard liability coverage is the wreck removal and pollution coverage. This should also be strongly considered. If your boat sinks or is involved in an accident for any reason, you are required to remove it at once in accordance with the law. If oil or gas leaks into the water as a result of an accident, you will be fined. The wreck removal and pollution coverage provides coverage for this type of incident, without the coverage you will be required to pay for the removal and fines out of your own pocket. Just like in automobile coverage, you should definitely insure yourself against uninsured boats as well. This works in the same manner as uninsured motorist insurance your automobiles. If another boater, who does not have any type of insurance or enough coverage, collides with your boat on the water, this coverage will pay for the replacement of your boat and any needed repairs. Most all insurance policies you purchase should cover the boat, motor, and trailer used to transport your boat. Liability coverage is not the only type of coverage that you will likely need in many cases. Make sure that you protect your boat, optional coverage that includes theft, vandalism, losses caused by storms, fire, sinking, capsizing, stranding, and collision. Speak to your insurance agent and find out what type of insurance is required by your area and the types of coverage they can offer you.

The five things you must know before buying boat insurance

If you own a boat, you definitely need watercraft coverage. Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it – they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage.

Here are five things you must know before buying boat insurance. 1. Many states now require you to carry watercraft liability coverage. This coverage will should protect you against any damage that you do to other people or other people's property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and collision. Call your insurance agent to find out what your state requires, and what their boat insurance policies cover. 2. There is optional coverage that you should strongly consider. Wreckage Removal coverage is one type of coverage that you should consider. In most places, removal of sunken or wrecked vessels is mandatory, and it is the responsibility of the owner to pay for this removal – which can be quite expensive. This optional coverage will cover those costs. You should also strongly consider coverage that will pay for repairs and mechanical failure, as well as coverage that will pay towing charges should you need to be towed back to shore. 3. Not all insurance companies will cover all operators of the boat that you are insuring. It is vitally important that you ask about this. Find out who is covered when operating the boat. Some insurance companies will only cover the boat owner as the operator for the rate that was quoted. The rate may go up to cover operators other than the actual owner. Make sure that the insurance agent clearly defines who is covered to operate the boat! 4. Most insurance companies that cover watercrafts offer discounts to people who have taken boat safety courses. However, each insurance company will only offer the discount for specific courses. Find out which course your insurance company will honor, and make sure you take and pass the course! This will save you quite a bit on your premiums – and you need the safety course anyway! Find out what other discounts you may be eligible for as well. Most insurance companies won't tell you about the discounts unless you specifically ask about them. 5. You will typically get the best rate from the insurance company that insures your automobiles and your home – but not in all cases. When you are shopping for insurance, call your current insurance company first – but then check with other insurance companies to see what kind of rate you can get. While getting quotes online is very convenient, you should avoid actually purchasing your coverage online. Call and talk to an agent personally instead, or have them call you. Remember that insurance companies are in competition with each other, and they will work with you to get your business. Let each one know about the lowest rate that you have been quoted, and ask them if they can do better! Before shopping for insurance, think about the investment that you have made in your boat. Boats are not cheap! Repairing and replacing boats is not cheap either. Make sure that you get the coverage that you need to protect you against all losses involving your boat! CopyRight Ian D. Major 2005.

The five things you must know before buying boat insurance

The Five Things You Must Know Before Buying Boat Insurance If you own a boat, you definitely need watercraft coverage. Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it – they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage. Here are five things you must know before buying boat insurance. 1. Many states now require you to carry watercraft liability coverage. This coverage will should protect you against any damage that you do to other people or other people's property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and collision. Call your insurance agent to find out what your state requires, and what their boat insurance policies cover. 2. There is optional coverage that you should strongly consider. Wreckage Removal coverage is one type of coverage that you should consider. In most places, removal of sunken or wrecked vessels is mandatory, and it is the responsibility of the owner to pay for this removal – which can be quite expensive. This optional coverage will cover those costs. You should also strongly consider coverage that will pay for repairs and mechanical failure, as well as coverage that will pay towing charges should you need to be towed back to shore. 3. Not all insurance companies will cover all operators of the boat that you are insuring. It is vitally important that you ask about this. Find out who is covered when operating the boat. Some insurance companies will only cover the boat owner as the operator for the rate that was quoted. The rate may go up to cover operators other than the actual owner. Make sure that the insurance agent clearly defines who is covered to operate the boat! 4. Most insurance companies that cover watercrafts offer discounts to people who have taken boat safety courses. However, each insurance company will only offer the discount for specific courses. Find out which course your insurance company will honor, and make sure you take and pass the course! This will save you quite a bit on your premiums – and you need the safety course anyway! Find out what other discounts you may be eligible for as well. Most insurance companies won't tell you about the discounts unless you specifically ask about them. 5. You will typically get the best rate from the insurance company that insures your automobiles and your home – but not in all cases. When you are shopping for insurance, call your current insurance company first – but then check with other insurance companies to see what kind of rate you can get. While getting quotes online is very convenient, you should avoid actually purchasing your coverage online. Call and talk to an agent personally instead, or have them call you. Remember that insurance companies are in competition with each other, and they will work with you to get your business. Let each one know about the lowest rate that you have been quoted, and ask them if they can do better! Before shopping for insurance, think about the investment that you have made in your boat. Boats are not cheap! Repairing and replacing boats is not cheap either. Make sure that you get the coverage that you need to protect you against all losses involving your boat! CopyRight Ian D. Major 2005.

Homeowners insurance beyond the home

Most people buy an insurance product - whether it is a homeowners insurance or another - without reflecting much over what they actually are buying. One thing is the premium or the price you pay for it. This is the single issue or part of the insurance purchase that seem to concern most people. When it comes to other elements of the insurance product they buy, their concerns are almost absent. Most people seem to take for granted that what the insurance you buy is the same, no matter which insurance company you buy it from. This attitude is based on a fundamental misunderstanding of what an insurance product is and how the insurance industry is functioning. Of course it is important not to pay more for an insurance product than necessary as it is for any product. But sometimes we are unaware of what coverages we have with our homeowners insurance until we file a claim and find out too late that we weren't covered for a particular loss. Owners of motorcycles, boats and motorhomes may be surprised to learn that neither their homeowners insurance nor their auto insurance covers them for any loss associated with these items.

Non-traditional (or inland marine as some policies are called) insurance is a custom sector of insurance dealing with properties and items that would not traditionally fall under a typical property or automobile insurance. Such items include boats, snowmobiles, ATV's and person watercraft. You may find that your current insurance company does not even write policies for these types of goods, in which case you will need to check out a specialty insurance company. Foremost Insurance of Caledonia, Michigan is just such an insurer. Insuring everything from motor homes to motorcycles Foremost offers a wide variety of policies that protect non-traditional goods that homeowners policies simply don't cover.

With agents across the United States, Foremost is a leader in issuing policies that cover losses against such goods. Foremost is part of Farmers Insurance Group, a trusted name in both homeowners and auto insurance throughout the U. S. Accidents happen no matter if we are in our home, car or riding our ATV. By making sure you are covered you can prevent a small accident from becoming a financial nightmare by making sure you have the correct insurance coverage no matter what you might own.

The winter boat show season is red hot

It seems counterintuitive that winter is the best time of the year to buy a new boat or personal watercraft. But those who wait until late spring or summer to make their purchase often are disappointed to learn that the new vessel they want is sold out. According to Bryan Seti, national marketing manager for Yamaha Motor Corp., this is because when it comes to buying a new boat or personal watercraft, shopping early gets the best deals. "This past year, we sold out of our best-selling WaveRunners [personal watercrafts] before the July 4 weekend and our most affordable WaveRunner, the VX110, was nearly sold out in June," Seti said. "It's harder for consumers to find a deal when supply is that low." Seti says that buying a boat or personal watercraft at a winter boat show will guarantee that you find the boat you want because dealers are motivated to sell. "Our dealers are receiving their 2006 orders now and those units take up a lot of space at the dealership," said Seti. "Dealers tend to get motivated when they see a crowded sales floor." The nautical experts at BestofBoating. com offer the following tips to help you get prepared for a winter boat show: * Plan your attack. Research boats and personal watercrafts before the show and map out the exhibits you want to visit. By preparing in advance, there's less chance of being distracted. * Take a day off. Plan your visit for a weekday, when shows are less crowded. This makes it easier to inspect boats and talk with manufacturers' representatives and dealers. * Stay focused. If you're seriously shopping at the show, you may not want to bring the kids. Your full attention is needed when closing a deal. * Think on your feet. Wear comfortable shoes that are easy to remove so you can climb aboard the exhibits. Your feet will thank you at the end of the day.

5 tips to help you win big become a village hero

A few years ago, I returned to my impoverished village in Haiti. Many in the village came to see me—the tiny and diseased child they didn’t expect to make it. Some of them used to call me Souyen and kokobay—words that mean “crippled.” A man from the village, Alfred, reminded the people how they treated me. “Today” He said, “He returns as our village hero.” I am sure you, too, may already be a village hero in your own way. In my case, it was the final result of personal responsibility, and a combination of strategies that prompted Alfred to call me a “Village Hero.” Let me share five of those strategies with you: 1. Practice Self-Discipline. Do you ever wonder why some have too much and others are barely surviving? The answer - discipline and self-sacrifice. Success, however you define it, is easy. But you gotta be consistent. My guess is there are a few things you could do to achieve more results in your life. Although you know what they are, you still neglect them. But listen: to be successful, you must do the uncomfortable now in order to be comfortable later. 2. Lift Up Others. Think of yourself as a pebble, and those you know as ponds. Give a little encouragement and you become a pebble in the pond. The ripples are endless. Someone you know is silently struggling and needs some uplifting words. It may be a minor detail to you, but to them, it’s a big boost. You can’t lift anyone up while lying on the ground. Say something nice and observe how you feel. Encouragement and feel-good words are FREE. Why not give them generously? Be a village hero, lift somebody up! 3. Be A Go-Getter & A Go-Giver. Maintain a balance. Take, but ask yourself, “What do I have to give?” Give a little encouragement, a little time, a little attention, and the gift of truly listening. When you can afford it, give a little money, too – maybe by dropping a quarter in that cup or sending flowers. Everyone has something to give. Avoid being called a user. Give a little and you shall receive a lot. 4. Take Responsibility. When we mess up, we need to fess up, fix it up and move on! Stop blaming! Some of us blame past circumstances for our failure. Big deal! My childhood was very depressing and the outlook dim, but I couldn't let that determine my future. Here’s what I read recently, “our background and circumstances may influence who we are, but we are responsible for what we become.” 5. Be Humble. Never be too big that you can’t identify with those in the lower rung of the ladder. We are all made of the same stuff regardless of our rank or position. It is said that you can always tell a big person by the way he or she treats little people. If there is a chip on your shoulder, send it to Silicon Valley. Remember, in God’s eyes, we are all the same. In the end, we will all leave this world without titles. There you have it. Develop and strengthen those five attributes. The people in your village, be it from work or family, will begin to draw unto you. And soon, they will call you a “Village Hero.”