Tag Archives: yetterinsurance

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Do I Need Insurance for My Boat?

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There aren’t many better ways to spend a day off than out on the open water with the sun on your face. Boating is a popular pastime, with more than 15 million boats registered in the United States, but many boat owners don’t know the importance of having a dedicated insurance policy for their boat or personal watercraft. From boating accidents to theft, it’s imperative that you protect your vessel from the unforeseen.

Doesn’t My Homeowners’ Insurance Cover My Boat?
While your homeowners’ insurance probably does offer some protection, it likely isn’t enough. Your homeowners’ insurance usually only offers around $1,000 and $1,500 for damage or theft that occurs at your home, but will not cover you for anything that happens in transit or while your boat is on the water. There are also limits to the coverage due to the length of the vessel and the size of the motor.

How Do I Protect My Boat in Transit?
While transporting your boat, it’s covered by the towing vehicle’s insurance. It is important to contact your insurance agent to confirm that your auto insurance policy is adequate to transport a watercraft via trailer. It’s likely that you will want to increase the coverage on your auto policy or add umbrella coverage to protect your boat in the event of an accident or trailer malfunction.

Will Boat Insurance Cover the People on My Boat?
A boat insurance policy provides liability and medical payment coverage for any injuries that take place on your boat while it’s on the water. It also provides coverage for water-skiers and tubers that you’re towing behind your vessel.

Is My Boat Covered Everywhere?
We’re glad you asked. Most boat owners assume that once their boat is covered, they can take it anywhere. Depending on the policy, this may not be true. Many policies only cover inland waters, while others cover coastal waters within certain geographical ranges. If you plan on traveling with your boat, it’s best to check with your insurance agent to see where you are covered and how to go about expanding your coverage to where you will be traveling.

So, What Does Boat Insurance Cover?

  • Liability for passengers
  • Liability for damaged caused to or by the watercraft
  • Coverage for theft of boat, motor, or equipment in boat
  • Uninsured watercraft coverage covers damage to your boat and provides liability for injuries that occur on your boat due to an uninsured boater colliding with you

If you’re thinking about buying, or have recently bought, a boat or personal watercraft, please contact your Yetter insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.

 

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Yetter Insurance Agency offers comprehensive boat insurance policies to owners throughout Pike County and Wayne County, PA and Orange County, NY. Whether you’re looking for boat insurance or personal watercraft insurance, our agents can help you find affordable and comprehensive coverage through carriers like Erie Insurance, Progressive, and Foremost Insurance Group. Call us at 570-296-8329 or visit our Milford, PA office to find the right boat insurance for your needs.


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What is Personal Property Coverage and How Does It Work?

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Personal property coverage is the part of a home insurance policy that covers items like furniture, antiques, jewelry, clothes, and electronics. Every home insurance policy includes some personal property coverage, but depending on the value of your belongings, it may not be enough. That’s why insurance carriers offer several types of additional coverage for personal property.

Conduct a Home Inventory
The first thing you should do in determining whether you need additional personal property coverage is to conduct a home inventory of your valuables. This can be done by starting with the most recent, expensive purchases and working backward, or by taking inventory by room.

When taking an inventory of your belongings, include the approximate date purchased, the purchase price, and the estimated current value of the possessions in your inventory. Keep receipts of all major purchases with your inventory, as well as photographs of the belongings listed.

These inventories can be written on lined paper, pre-formatted files like this one provided by Foremost Insurance, or recorded into personal inventory apps, like Know Your Stuff, a free app from the Insurance Information Institute for iPhone and Android.

An inventory of your personal items makes it easier to see the total value of your property, indicating whether additional coverage is needed, or if the current coverage offered with your home insurance policy is sufficient.

Here is a useful video with tips on taking a home inventory and how it can benefit you in the event of a natural disaster.

The Different Types of Personal Property Coverage

If you need more coverage, it’s important to know the different types of coverage that are available.

Actual Cash Value
Belongings are often covered at their fair market value.  This equals the replacement cost minus depreciation. Actual cash value coverage pays out claims for their depreciated value (what you could hope to get at a yard sale or online auction for your property).

Replacement Cost Coverage
With replacement cost coverage, the insured property is covered for the cost to repurchase the item at the time a claim is filed. This means that the item is actually replaced in full, rather than paid out in a depreciated cash value.

Scheduled Personal Property
Scheduled personal property is an optional additional coverage that you can add to your home insurance policy to cover high-value items. Most personal property coverage has limits for individual items of around $1,000. If you collect fine art, jewelry, or other items that can be worth well over $1,000, scheduled personal property can help to cover your collections or prized family heirlooms.

If you’re interested in adding additional coverage to your homeowners’ insurance policy, or have questions pertaining to your current policy and coverage, please contact your Yetter Insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.

 

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Yetter Insurance Agency is a family-owned business, located in Milford, PA, that offers a variety of homeowners’ insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. We offer plans from top-rated carriers that fit every need and budget. If you’re interested in expanding or changing your coverage, please contact one of our skilled agents today. For more information, please visit http://yetterins.com.

Sources:
http://www.foremost.com/mygreathome/home-safety/insurance/personal-property-inventory.asp
https://www.progressive.com/homeowners/home-owners-insurance-coverages/


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Seasonal Home Insurance for Pike and Wayne County, PA

How to Winterize and Close Your Vacation House for the Season

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Locking up and winterizing summer vacation homes is something that many Americans do each year, but it’s important to do it right. Many things can go wrong over the long, cold winter months, and if you don’t properly winterize your vacation home, you could be met with an awful surprise when you open the house back up in the spring. Follow these steps to ensure that your summer vacation home is safe throughout the long winter season:

  1. Make a checklist
    It’s important that you don’t miss any steps in winterizing your summer vacation home. By making a checklist and checking off tasks as you complete them, you ensure that you don’t miss any of the vital steps required in safeguarding your home from the potential dangers that it faces from winter weather and several months of being uninhabited. A checklist will also stand as a reminder of what needs to be done when re-opening the house in the spring.
  2. Clean
    To reduce the amount of work required in re-opening the house in the spring, you’ll want to clean the house thoroughly before winterizing and closing it up. You’ll want to focus much of your attention on cleaning the kitchen. Clean out the refrigerator and freezer completely, and prop the doors open to prevent the growth of mold or mildew. Remove all food from the pantry. Any non-perishables can be transferred to metal containers to prevent rodents from gaining access to them. Make sure to dispose of any potential fire hazards.
  3. Turn off water
    Make sure to turn off the main water supply, usually located along the exterior of the house. After turning off the water access, run all taps in the house, flush all toilets, and empty water heater to clear the waterlines. This will prevent freezing or bursting pipes. Cover all toilets with Saran wrap to prevent sewer gasses from entering the home.
  4. Adjust the thermostat
    Ideally, you want to set your thermostat to the lowest temperature that will protect the home from freezing.
  5. Unplug all appliances
    This step can be skipped if you plan to shut off all power to the house, but if you leave the electric power on, you’ll want to unplug all appliances. This includes major appliances such as the refrigerator, oven, and washing machine, as well as your television, computer, and lamps. This will help prevent accidental fires due to a faulty switch.
  6. Shut off gas
    If the house utilizes gas for heating or cooking, you’ll want to shut off gas lines to the house to prevent accidental fires.
  7. Store outdoor furniture and decorations
    Move all outdoor furniture and garden ornaments indoors to protect them from weather and theft.
  8. Lock away vehicles
    Any vehicles that you keep at your summer home, be it a car, boat, ATV, or bicycle should be locked in a garage or shed to prevent the threat of theft.
  9. Stop your mail
    Contact the post office and stop routine delivery of mail during the winter months. This can be done at http://usps.gov. If there is a neighbor that you trust, ask them to keep an eye out for package deliveries from UPS or FedEx.
  10. Lock the house at all points of entry
    After you’ve completed everything else on your checklist, lock all the doors and windows in the house. If you have a neighbor that you trust, give them a key to the house and ask them to check in on it sporadically.
  11. Talk to your insurance agent
    Do you have vacation home insurance? If not, it’s pertinent that you speak with an insurance agent about covering your vacation home. Many things can go wrong in a vacation home when it’s empty throughout the winter. Make sure you’re covered for any potential problem that may arise while you’re away.

Accidents happen, and you can never eliminate all risk, but by following the simple tips in this article you can minimize the risks associated with closing up a vacation home for the winter. For information about your vacation home policy, or to buy a new policy, please contact your Yetter insurance agent by calling (570) 296-8329, or visit http://yetterins.com/.

 

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Yetter Insurance Agency is a family-owned business, located in Milford, PA, that offers numerous seasonal home insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. If you own a vacation home in the area or are thinking about buying one, our agents can help you find the right insurance for your secondary property. For more information, please visit http://yetterins.com.

Source: http://www.wikihow.com/Winterize-a-Vacant-Home


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Avoid House Fires, Have the Right Homeowners or Renters Insurance for Pike County PA Homes

How to Avoid the Four Cs of Holiday Fires

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The holidays are a joyous time, but the celebration also marks the 14 worst days of the year for home fires. More household fires occur between December 24 and January 6 than any other two-week stretch of the year. Christmas trees, cooking, candles, and chimneys are all contributing factors. Let’s discuss the “four Cs” of holiday home fires and how to prevent them.

Cooking
Cooking is one of the leading causes for home fires year-round, and the holidays are no different. Stove-top cooking presents the biggest threat. Many fires start when something is cooking on the stove and the cook becomes distracted or leaves the room. A fire can happen in just seconds, so by the time they return their attention to the stove, the fire is already out of their control.

These fires can be easily prevented. Never leave cooking food unattended. If you absolutely must leave the kitchen, turn off any stove-top burners. Oven fires are also possible, but far less common. While you don’t necessarily have to linger over the stove the entire time something cooks in the oven, you should never leave the house when something is cooking in the oven. If you absolutely must run to the store to pick up a forgotten ingredient, turn the oven off before leaving the house.

Christmas Trees
Christmas trees (both real and artificial) cause hundreds of home fires every holiday season. The leading cause Christmas tree fires include electrical malfunction and the tree being too close to a heat source or flame.

When buying a pre-cut Christmas tree, make sure to buy one with fresh, green needles. You should only keep your tree up for about two weeks, so don’t buy your Christmas tree too far in advance. Water your tree every day. If you prefer to use an artificial tree, make sure to buy one that is fire-retardant. Don’t string more than three sets of lights together. Visually inspect all lights before putting them on your tree for loose bulbs and frayed or damaged wires. Unplug all string lights before leaving the house or going to bed. Most importantly, keep your tree at least three feet from any heat source or flame.

Candles
Candles are very popular around the holidays and create obvious risks regarding home fires. The most candle related fires occur on Christmas day, followed by Christmas Eve and New Year’s Day.

The best way to avoid candle fires is to not use candles, but there are ways to reduce the risk while still using them. You should use quality candle holders that don’t tip over easily, collect dripping wax, and are inflammable. Never place candles near flammable items such as books, curtains, furniture, and clothing. Most importantly, never leave burning candles unattended.

Chimneys
The holidays are a great time to gather around the fireplace with family, but don’t forget that chimneys still need to be cleaned every two years or so.

If you regularly use your fireplace in the wintertime, and you haven’t had your chimney cleaned in the past few years, then it’s time to call a chimney sweep. This is because a substance called creosote builds up in the chimney and can fuel a chimney fire when ignited. You can slow the buildup of creosote by burning only dry, seasoned wood, and refrain from burning things like wrapping paper, fresh wood, boxes, and trash. Always use kindling or paper to start fires, never use flammable liquids in a fireplace. Use a screen in front of the fireplace to catch any potential sparks that erupt from it. Most importantly, never leave a fire burning unattended.

Accidents happen, and you can never eliminate all risk, but by following the simple tips in this article you can minimalize your risk of a home fire dramatically. For information about your policy and how it pertains to home fires, or to buy a new policy, please contact your Yetter insurance agent by calling (570) 296-8329 or visit http://yetterins.com/.

Sources:
http://www.nfpa.org/public-education/by-topic/wildfire-and-seasonal-fires/winter-holiday-safety/holiday-fires-by-the-numbers
http://www.redcross.org/news/article/Prevent-Home-Fires-This-Winter


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Thanksgiving Travel Tips, Safeguard your home while you're away

Thanksgiving Travel Tips

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Thanksgiving is a time when we gather with friends and family to celebrate that for which we’re thankful, but it’s also a time to practice caution. When you’re traveling this Thanksgiving, keep in mind the added risks associated with the holiday. By following the simple tips outlined here, you can reduce the likeliness of becoming another Thanksgiving statistic.

Thanksgiving Travel Tips

There are more drunk drivers on the road the night before Thanksgiving than any other day of the year.   There are a few reasons for this.  Thanksgiving is one of the only times of year when those who have moved away from their hometowns return.  They may meet at bars to catch up with old friends who have also dispersed around the country.

If you are going to be traveling the night before Thanksgiving, it is imperative that you engage in defensive driving and understand that other drivers on the road may have been drinking. Keep a safe following distance, pay extra close attention when approaching intersections, and stay extra vigilant when you’re driving around other motorists.

If you’re going out to meet up with friends at a bar or party the night before Thanksgiving, you should secure a designated driver, call a taxi, or offer to be the designated driver to ensure a safe trip for all involved.

The day before Thanksgiving isn’t the only dangerous day on the road. With many drivers who are unfamiliar with their surroundings populating the roads, the whole week presents added dangers while traveling by car. Thanksgiving night has a 20% increase in traffic accidents, Black Friday has a 34% increase, and the Sunday after Thanksgiving has the highest number of out-of-state accidents of the week.

The following tips can help you avoid having an accident:

  • If you’re going to be drinking, be sure to get a designated driver or hire a taxi.
  • Consider traveling home the Monday after Thanksgiving. There is a dramatic reduction in the number of accidents on that day than the week leading up to it.
  • If you can’t wait until Monday to travel home, there are 17% fewer accidents on Saturday than on Sunday.
  • Maintain safe following distances.
  • Be extra vigilant when approaching intersections.
  • Don’t drive aggressively.
  • Give yourself extra time to reach your destination to account for traffic and the possibility of getting lost.

For many people, Black Friday is just as much a part of the holiday as Thanksgiving Day itself. The parking lots of major retailers are often packed and present accident risks of their own. If you’re going shopping on Black Friday, follow these tips to reduce the likeliness of leaving the store to find your car damaged in the parking lot.

  • Avoid diagonally positioned spaces. There is an increased risk of being sideswiped in diagonally positioned spaces in comparison to straight spaces.
  • Don’t park at the end of aisles. Cars parked on the end of aisles are more likely to be involved in an accident due to additional exposure to turning vehicles.
  • To prevent dings and dents, park further away from the entrance of the store where you’re less likely to come in contact with other cars’ doors and shopping carts.
  • Be careful when pulling in and out of parking spaces.

Beyond the dangers of traveling the week of Thanksgiving, there are also precautions you should take if you’re going to be out of town for several days. If you’re going to be away from home for more than a day, use the following checklist to make sure your house is protected while you’re gone.

  • Shut off all appliances before leaving.
  • Turn off the water to your hoses.
  • If you live in a cold weather area, wrap your outside pipes to keep them from freezing.
  • Make sure all of your important documents are locked in a fireproof safe.
  • Don’t post on social media that you’re leaving town. Burglars often turn to social media to see who will and won’t be home.
  • Set your lights to timers. This gives the impression that someone is home.
  • Close and lock all doors and windows.
  • If you have a burglar alarm, set it before leaving.

With just a little preparation and patience, you can dramatically lower the likeliness of becoming a Thanksgiving statistic. To make sure that your home and car are covered in the event of an accident during the holiday, please contact your Yetter insurance agent by calling (570) 296-8329 or visit http://yetterins.com/

Sources:
https://www.progressive.com/newsroom/article/2015/november/progressive-data-safe-travel/
https://www.pciaa.net/pciwebsite/cms/content/viewpage?sitePageId=35980


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Get the right Coverage for your Auto Insurance in Pike County, Wayne County, PA, Orange County, NY

7 Ways to Slash Your Auto Insurance Premium

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Auto insurance is a cost that we all must incur if we wish to have our vehicles on the road. What many don’t realize is that there are a variety of ways to lower the cost of auto insurance premiums. There are many factors that can affect your premium, meaning there are many ways to reduce your premium based on your behavior and habits.

Here are seven ways that can potentially lower your auto insurance premiums:

  1. Reduce Your Coverage Collision coverage provides enormous benefits if you’re involved in an accident while driving a newer automobile, but for older cars and trucks, it might not be worth it.  If you are driving an automobile that is worth less than $3,000 in its current condition, you may benefit from no longer having collision coverage on it.

 

  1. Grouping Insurance Policies

Many insurance companies offer discounts if you get multiple policies, like your auto and home or renters insurance, from them. By bundling your insurance plans, you can often lower your premiums by up to 7% through a multi-line discount.

 

  1. Raise Your Deductible

Your deductible is the out-of-pocket cost that you pay when you make a claim. For most of us, auto insurance claims come few and far between. It’s a good idea to raise your deductible if you can afford a higher out-of-pocket cost when you make these claims. The savings that add up through years of lower premiums can easily outweigh the one-time cost of a higher deductible. If you don’t regularly make claims on your auto insurance, raising your deductible can be a good way of lowering your premium.

 

  1. Track Your Mileage

How often you drive your automobile contributes to the cost of your insurance premium. The more your car or truck is on the road, the more likely it is to be involved in an accident. Many people simply estimate how many miles they put on their car in a year, and it is important not to overestimate. By tracking your mileage, you can give the insurance company a concrete number of miles that you drive in a year. Also, if you have recently replaced your automobile and now use it as a secondary vehicle, then you are not putting as many miles on it. Contact your insurance agent and update them on the annual mileage of your, now, secondary vehicle.

 

  1. Drive Carefully

This is one that most of us are aware of already. A safe driving record with no traffic violations lends itself to lower insurance premiums. Avoid speeding, and be a defensive driver by staying aware of other drivers on the road to help reduce the risk of accidents and traffic violations. Your insurance company will reward you for your safe driving habits.

 

  1. Improve Your Credit Score

Your credit score factors into the cost of your insurance premiums. While there may not be a way to measure the risk of getting into an accident, many insurers use it because it has been shown there is a direct correlation between how an individual manages their credit and whether they will file a claim. By eliminating credit card balances, paying bills on time, and practicing other sound financial habits, you can raise your credit score and lower your insurance premiums.

 

  1. Anti-Theft and Safety Features

Make sure your insurance company knows about the anti-theft measures and safety features of your automobile. By parking in a garage, you reduce the risk of theft, which can lower your premium. You can also install a car alarm or an ignition cutoff switch to lower the probability of theft. Added safety features such as a backup camera, electronic stability control, anti-lock brakes, air bags, and automatic seatbelts can also help to lower your premium.

 

Talk to a Yetter Insurance agent today to find out how you can lower your auto insurance premium. For more information, please contact Yetter Insurance Agency at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

Source: https://www.erieinsurance.com/auto-insurance/discounts/insurance-discounts

 

 


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Make sure you have the right life insurance coverage for your family

9 Tips for Buying Life Insurance for the First Time

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Buying life insurance for the first time can be a daunting experience, but knowing why, when and how to buy life insurance can make the whole experience a lot easier. Before you contact your insurance agent, check out these nine simple tips on how to make the whole process less complicated.

  1. Why are you buying life insurance? The main reason that people buy life insurance is to provide financial security for their children or spouse. The benefits of your life insurance payout can be used to pay for funeral costs, the remaining balance of a mortgage or college tuition, or just to replace the income that you provide for your dependents.
  2. When should you buy life insurance? Life insurance is less expensive the younger you are when you buy it. While your needs may change as you age (additional beneficiaries, increased expenses, and so on) you can always add another policy. Some life insurance policies also allow for conversions and upgrades when your needs change.
  3. Who are your beneficiaries? Your beneficiaries can be a person, a business, or a charity. Before buying a life insurance policy it is important to know who your beneficiaries are so that you can buy a plan that will meet their needs.
  4. How do you make sure your benefits go to whom they’re supposed to? By having a last will and testament you can make sure that your life insurance benefits are paid out to the proper beneficiaries.
  5. How much coverage do you need? A general rule of thumb is to buy coverage that is equal to eight years of your salary, but this is not set in stone. Everybody’s needs are different in this regard. It’s good advice to speak with a financial professional to get a better understanding as to what kind of coverage you need before speaking to an insurance agent.
  6. What type of policy is right for you? There are two main types of life insurance policies: -term life and permanent life.

A term life policy is purchased for a specific period of time. If your term life period expires before you pass away then your benefits will not be paid out. Some term life policies can be converted to whole life policies before they expire, so it’s important to know whether or not your policy can be converted. The benefit of a term life policy is that they are generally much less expensive than whole life policies.

A whole life policy provides lifelong protection, and some whole life policies even gain interest. A whole life policy is more expensive than a term life policy because it often accumulates cash value and is designed for a longer period of time.

  1. How much coverage should you buy? Two things to consider in regards to how much coverage you should buy are what you need and what you can afford. You don’t want to buy life insurance that you can’t afford. Find out what coverage you need, and then discuss with your insurance agent to find the best way to cover your needs within your budget.
  2. Should you buy your policy through the insurance company or an independent agent? You should buy your life insurance policy through an independent agent. An insurance company can only sell you what they offer, but an independent agent can shop multiple insurance companies to find you a policy that best fits your needs.
  3. How should you choose your insurance company? It is important to choose a quality provider. This is another benefit of using an independent agent to find your policy for you. An independent insurance agency will know which companies have the best rating and will still be around to pay out your benefits. Many of the top rated insurers have liability to pay out to their customers even if the company itself goes under. You can also check out a qualified rating service like A.M. Best Rating Services, which rates insurance companies for consumers.

Talk to a Yetter insurance agent for more information about obtaining a new life insurance policy. We’ll help you choose the right plan that fits your needs. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 


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Life Insurance for the aging

Living Longer than Expected

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Four tips on what to do when you outlive your term life insurance policy

Buying life insurance is a difficult decision, and no one wants to think about their eventual passing, but what is one to do if they outlive their term life insurance policy?

  • If you are approaching the expiration of your term life policy, you can convert it to a permanent policy, such as a whole life or universal life policy. The premium may be higher, but the protection of a permanent policy is valuable and you may be able to skip some of the medical exams.
  • You can buy a new term life policy. This will not include the previous policy, and thus you’ll be starting over from scratch, but this option will offer you a lower monthly premium than converting your previous policy. That said, it may be that your needs are not the same as when you first bought your policy, which can affect the price of your premiums.
  • If your needs are not the same as when you bought your initial policy it might also be beneficial to buy a new whole life or universal life policy. The premiums will still be higher than buying a new term life policy for the same coverage, but this will be guaranteed to last and grow for your entire lifetime.
  • For some, the best option may be to buy a new whole life or universal plan that upgrades their previous plan. Many choose term life policies for financial reasons, and years later the same individual may be able to afford a much better plan that will provide their loved ones with more than just security. For those who have done well financially, buying (or upgrading to) a better policy that is guaranteed to last a lifetime could be the best choice.

When buying life insurance it all comes down to what you can afford, and what you need. Some are just looking to cover their funeral and pay their debts, others may want to send their children or grandchildren to college or leave their spouse enough money to live comfortably once they are gone. It is up to you to decide what kind of policy is best for you and your family.

For more information about obtaining a new life insurance plan or upgrading an existing one, talk to your Yetter Insurance Agent. We’ll help you choose the right plan that fits your needs. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

Resource: https://www.erieinsurance.com/blog/2016/outlive-term-life-insurance-policy

 


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Don't post about your trip before traveling.

Safeguard your Home Before your Next Trip

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Summer is finally here and the kids are out of school, which means it’s time to start planning your summer vacation. Are you keeping in mind the proper security your home will need while you’re away? It’s important that you take some time to consider what you would do in case of a burglary and what you can do to prevent it from happening to you. Whether you are going away for a few days or a few weeks, here are steps to safeguard your home.

Safeguarding Tips

  1. Stay off of social media. Announcing that you are going away on vacation or currently on vacation could end up being a big mistake. This allows everyone to know what your travel plans are and that your home may be unoccupied. If you are someone who can’t resist the excitement, then make sure to turn off your location status on any public forum.

July Blog

  1. Become close with your neighbors. Let your next door neighbors know that you will be away and ask them to keep a watch on your home. Have them grab your newspaper and mail because a pile of it outside your home is a sure sign of absence, or stop the deliveries completely for the duration of your trip.

 

  1. Use your locks. Criminals are very good at spotting a hidden spare key. If you must leave a spare key somewhere, then ask your neighbor if you could leave it with them. We recommend getting a quality deadbolt lock, which is the first attempt of stopping an intruder.

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  1. Make it look like someone’s home. A house that looks lived in is less likely to become a target. You can do this by setting timers on lights and noise producing appliances like TVs to give the presence that someone is still around.

July Blog 4

 

  1. Hide your outdoor valuables. Make sure to place all of your visible and easily accessible belongings, like grills and lawn equipment, into a locked shed.

July Blog 5

 

  1. And lastly, your car. If you are leaving your car parked in your driveway, make sure you don’t leave the garage door opener inside. This is how many garages get broken into. You can also park your car in the garage to safeguard it from both the elements and theft.

July blog 6

 

Have a great summer vacation and talk to your Yetter Insurance Agent about the ways to keep your home safeguarded and properly insured. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office at 570-296-8329 or visit www.yetterins.com.

 

 

Resources: http://blog.foremost.com/6-Ways-to-Secure-Your-Home-When-You’re-Away.asp

https://www.nationwide.com/preparing-your-home-for-vacation.jsp


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Boat Insurance for Lake Wallenpaupack, PA residents

Let The Cost of Boat Insurance Sink While You Stay Afloat

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Warmer weather and the boating season are quickly approaching and avid boaters are anxious to get out on the water.  Many boaters don’t even think twice about the importance of proper maintenance before riding the waves. It is important to note that a few maintenance tips can actually reduce the need for costly repairs, extend the life of your boat, help ensure the safety of you and your passengers, and keep your boat insurance low. Don’t miss a second of boat season with these basic boat maintenance tips.

  1. Routine inspection– Stay actively involved in the proper maintenance of your boat. Check all aspects of your craft from fraying ropes to loose fittings and to all other areas that need replacement and special attention. Performing a routine inspection yourself, or having a professional do it, can easily prevent damages from happening to your boat.

 

  • Check all fluid levels; replace the oil filter, drive lubricants, and engine oil.
  • Check the belts, cables, and hoses. These can become frail and may crack or swell while sitting out during the winter.
  • Inspect the propellers for any dents, pitting, cracks, and distortion.
  • Don’t forget to check your safety gear. Make sure the life jackets are in good condition and that there are enough on your boat for all passengers. Also, be sure all fire extinguishers on board are the correct class and that they are fully charged.

 

  1. Cleaning and care– Washing your boat regularly, a routine waxing, or the use of anti-fouling paint can prevent long-term environmental wear and tear. Make sure you invest in a cover to keep your boat clean and free from debris such as dirt, bird droppings, water, or falling leaves, all of which can cause damage if left unchecked. A cover can also help prevent UV rays from breaking down hoses and fading carpets and upholstery. Lastly, be sure to clean the deck, topsides, and hull, and make sure the drain plug is securely in place before every launch.

 

  1. Electrical components– Always keep electrical components dry, since many boat failures occur because of corroded electrical systems. Invest in non-conductive grease, water-repellant, or corrosion inhibitor which can preserve your electrical fittings.

 

  • Inspect electrical connections for tightness or cleanliness. Charge and keep your battery clean, as dirt and dampness can drain it, and have it tested to ensure it can hold a charge.  You should have your electrical systems regularly inspected by a qualified technician.

 

  1. Motor maintenance- After every use, flush your engine and look over everything from the clamps on your fuel line for rust, damage or corrosion to your fuel tanks. Also check your oil for proper filtration, cleanliness, and correct levels. Last, but not least, check your engine’s cooling system to make sure it’s functioning correctly.

 

Talk to your Yetter Insurance Agent about ways to lower your insurance costs regarding these boat maintenance tips. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

 

Resources: http://www.safeco.com/boat-insurance/do-more/basic-boat-maintenance-tips

http://blog.foremost.com/tips-to-get-your-boat-ready-for-the-waves.asp

 


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