Everyone loves vacation. But, vacationing in your own seasonal home? Even better.
However, there’s a lot to consider when it comes to protecting your investment in a vacation home, and you definitely want to protect it. We here at Sentinel Assurance Group can help by making sure you have the insurance coverage you want.
To that end, here are four things that may impact the coverage you choose and how much you’ll pay for it:
Separate Policy: Your seasonal home won’t be part of your primary property policy. It needs its own policy, and you can expect it to be similar to the one for your primary residence. However, you do need to watch out for “named perils” coverage, under which your policy explicitly lists the perils it will cover. If a peril isn’t listed, no coverage. We typically steer homeowners away from this type of coverage, in favor of broader coverage.
Location and Occupancy: The “where” of your vacation home is no doubt among the primary reasons why you bought it. But, it will also impact your insurance costs. Rural areas are hard for emergency responders to reach, and waterfront homes are prone to flooding. These added risks can mean added insurance costs, such as the need for a separate flood policy. If the home is unoccupied or rented for much of the year, there are even more insurance considerations.
Personal Property: Establishing and maintaining a separate inventory of the things you keep at your vacation home will help you select an appropriate level of personal property coverage. If it’s filled with expensive skiing and snowboarding gear, for example, you may need increased coverage or to schedule some of the more valuable items separately.
Extra Liability Protection: If you plan to regularly host guests at your summer or winter retreat, you should consider an umbrella policy, which will help to increase your liability limits in case someone is seriously injured on your property. This can go for invited and uninvited guests alike.
We know you want to relax and enjoy your chosen spot in the sun – or snow. Having the right insurance coverage helps you do just that, so give us a call and let us help.
Did you know that we are licensed in many states outside of Minnesota? We are licensed in Arizona, California, Michigan, Wisconsin, Iowa & Indiana! If you have a rental property in any of these states, we would love to help you find the right coverage for it!
Whether you were caught speeding (or worse), you’re looking for a discount on your car insurance, or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available here in Rosemount and the Twin Cities metro these days and many can be done virtually!
But, which is right for you? Here are five tips to help you decide:
1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up.
2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course.
3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And, there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction.
4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course.
5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly. No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off!
This week marks the week that all the kids and teachers head back to school here in Rosemount, MN! You’ve likely already reviewed the basic safety tips for kids who walk or bus to and from school.
Those tips, of course, are:
Walk with a buddy
Stay in well-lit areas
Never accept a ride with strangers
Once home, lock the door and don’t let anyone in
However, Dr. Michele Borba, author of The Big Book of Parenting Solutions, urges you not to overestimate your kids’ safety smarts. Kids under 10, for example, may not grasp the concept of crossing a street safely, she says.
She suggests teaching them: “Stop. Left. Right. Left.” Meaning that children should, “stop at the curb, look left, right, then left again before crossing, and keep looking as they cross.”
Another thing kids need to know, says Borba, is how to ask for help. Have kids practice saying, “I need help,” out loud and instruct them to “find a uniformed employee, a police officer or a woman, preferably with a child,” when they need assistance, she says.
Once home, kids will likely use the Internet, so be sure to discuss digital safety too.
Staying Safe Online
Here at the office, we have middle school and high school kids at our homes. So, staying safe online is a top priority in our personal households.
Internet safety advocate Sue Scheff, author of Wit’s End and Google Bomb, says that, “we need to put parental controls/security measures on computers and cell phones. Unfortunately, these aren’t guarantees, so having a cyber-smart child is your best defense.”
Teach kids about the dangers of sharing personal information, such as their home address and phone number, online. And about using social media responsibly.
While online, it’s best for kids – and adults – to converse and connect only with people they truly know and trust, to keep their social accounts private and to still be cautious even then. After all, photos and information that go online today will still be there years later, when kids apply for college scholarships and jobs.
Above all, stay involved in your kids’ digital lives. Let them know you’re there for them, always – to talk, not to judge or punish, says Scheff. “Many kids fear having their Internet removed if they tell their parents they are being bullied online,” she says.
So keep the lines of communication open to help keep everyone safe, both in and outside of your home.
We hope your new school year is off to a fantastic start!
Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important. The below tips should help uncover any potential water problems down the road and keep your property dry.
Check appliance hoses. Standard hoses are not as durable as they used to be. Replace rubber hoses with steel-braided hoses. This is a low cost fix that can save thousands in water damage.
Broken tiles in the shower can allow water to leak into the walls or on the floor. Replace cracked tiles and re-grout when needed.
Run dishwasher and washing machine only when you are home. If a leak occurs, you can turn the appliance off right away.
When on vacation, turn off the main water supply to your house.
Keep storm drains near your house clear of leaves.
Install a gutter guard. This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.
Install a water pressure gauge. An inexpensive gauge can prevent damage caused by water pressure that’s too high. Pressure should be between 60 and 80 PSI.
Many of the insurance carriers we work with offer Water Leakage & Seepage coverage. Contact us today for a free insurance review to see if your current coverage is adequate!
As parents of athletes ourselves, safety of our kids is always just as important as the memories they are making on the field! We know high school sports here in Rosemount are starting up again for fall and your household may be one of the millions this fall in which student athletes are dreaming of victory on their school playing fields. Of course, we here at Sentinel Assurance Group want to see them succeed, but we also want them to be safe.
So, here are seven tips for students, parents and school staff to keep in mind as the new season gets underway:
Start off on the right foot: All athletes need a preseason physical and should share any medical conditions, such as sickle cell trait, with coaches. And, parents, don’t forget to provide your contact information and permission for emergency medical care.
Think about nutrition: A healthy diet offers plenty of complex carbohydrates, plus moderate amounts of protein, salt, sugars and sodium. Keep fat, saturated fat and cholesterol to a minimum.
Be smart about injuries: Athletic trainers and consulting physicians, not coaches, should decide whether athletes continue playing following an injury. Athletic staff needs to know how to use defibrillators and keep them nearby during both practice and games. Finally, athletes should always speak up about and seek medical attention for such symptoms as dizziness, memory loss, lightheadedness, fatigue or imbalance after a hit in the head or a fall. In most cases, they should not rejoin practice or play that same day.
Maintain equipment and facilities: Helmets and pads should be properly fitted; gymnastic apparatus well-maintained. Facilities must be kept clean and checked for germs regularly.
Warm up, cool down: Always warm up and stretch before beginning activities. Cool down and stretch when finished, and take plenty of breaks in between.
Stay hydrated: Drink plenty of water (costly sports drinks aren’t usually necessary) before, during and after a workout or practice.
Build up a heat tolerance: To avoid heat illnesses, especially in sports requiring protective equipment, start slowly and build up to more intensive training requiring the full gear.
We hope these tips help set up your student athletes for success this season. We’ll be rooting for them! And GO IRISH!