DeKok Insurance Group, Inc.

507-226-8121 [email protected]

It’s Boating Season – Tips from DeKok Insurance Group and Safeco

By

Sailing

Every summer, we gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Don’t let an accident wreck your fun!

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog.

Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive water sports gear.

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100.

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Coast Guard: www.uscgboating.org

Coast Guard Auxiliary: nws.cgaux.org/

Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat

Call me at 507-226-8121 or email me at [email protected] for more information. We also have a list of summer boat safety classes that can save you money.

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

 

If I Borrow My Friend’s Car, Am I Covered?

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Keys being given to someone in a car shop

 

Most people have an idea of what’s covered and not covered under their various insurance policies. But at DeKok Insurance Group, we are often asked about borrowing or loaning a car.

Now that summer is here, and you might be looking to borrow your neighbor’s truck for a home-improvement project or a trip to the local landfill, we thought it was a great time to provide a little more information.

Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it’s covered even if someone other than the owner is driving it — as long as they have the owner’s permission.

The borrower’s insurance is considered secondary, meaning that in the event of an accident, it could apply if the owner’s insurance is insufficient to fully cover the damage.

It’s important to note that there are some exceptions to what is called “permissive use” coverage. For example, permission must be given by the owner, unless the borrower has a reasonable belief that they are allowed to use the car. However, the borrower cannot give permission to someone else. So if your teenager allows one of his or her friends to drive your car to {local destination}, your coverage likely won’t apply.

Coverage might also be denied if the borrower operates the vehicle in a negligent or criminal manner. And if the borrower is using your car for business purposes, your personal auto policy likely won’t cover that.

If you have a regular long-term arrangement to either borrow or lend a car, the borrower should probably be added to the owner’s personal auto policy. Those who don’t own a car, but often borrow one, might also consider “named non-owner coverage,” an endorsement that provides bodily injury and property damage liability, uninsured motorists coverage and more.

Ultimately, it’s usually safe to loan your friend your car for occasional errands or projects. And the same goes for borrowing a car. Just make sure it’s for “normal” use. You’ll want to confirm that the car has coverage and that your insurance, whether you’re the owner or borrower, will apply.

Feel free to give us a call at 507-226-8121 if you have any questions — after all, you don’t want to wait until after an accident to get answers!

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

Traveling Smart

By

Happy

 

A vacation is having nothing to do, and all day to do it in. -Robert Orben

Whether you’re planning a trip to a local attraction in Minnesota this summer, or headed all the way across the country, you want your vacation to be relaxing. It’s a getaway from work, not to mention your day-to-day life. So here are some tips – from packing smart to protecting yourself from pickpockets – to make your trip the best it can be.

Before you go . . .

Even if you’re only headed across the state to Duluth, a packing list is a must. How many times have you left {city} and arrived at your destination, only to find that you forgot your most comfortable walking shoes? Or your swimsuit? Put everything on this list, even if you think you would never forget it. A toothbrush is easy to replace when you get there – your prescription medication isn’t.

Be sure that you have printed itineraries for everyone in your party, and make color copies of important ID documents as well. Keep the copies in your bag, separate from your passport and other IDs. It’s also a great idea for each person to have a list of emergency numbers, either for them to call or for someone else providing assistance.

Of course, packing light can make travel a lot more enjoyable. Who wants to lug 100 pounds of luggage through the airport? Not us. Travel experts offer the following ideas to help you lighten the load:

  • Do laundry at your destination. Nobody wants to do laundry on vacation, but if you’re willing to sacrifice a little time, you can pack far fewer items of clothing. If you won’t have access to facilities, you can wash clothes in the hotel sink and hang them up to dry.
  • Easy on the shoes. If you can, pack only one or two pairs of shoes. It’s best to wear the heavier pair during travel if possible, and pack the lighter one.
  • Ditch the books. Consider using an e-reader instead of packing actual books – that way you can carry hundreds of books on your trip! If you don’t own or want an e-reader, you can buy books once you reach your destination. Thrift shops are great places to find inexpensive books.
  • If flying, don’t check your bag. This will not only force you to take smaller pieces of luggage, but with most airlines charging checked-baggage fees, it will save you money! It saves you the hassle of baggage claim, too.

 When you’re there . . .

Once you arrive at your destination, it’s time to relax! But don’t let your guard down completely. After all, tourists often are targets for those looking to separate you from your money. We’re talking mainly about thieves, but don’t forget, you also lose money when you spend more than needed. Here are some ways to protect your wallet from criminals and other money traps:

  • Don’t carry much cash. Most places accept credit cards, and those that don’t often have ATMs on site.
  • If you carry a wallet, keep it in your front pocket. For a purse, hang it across your body. Both will make it more difficult for a thief. You could also consider carrying a money belt, which is a good way to conceal cash and cards.
  • Staying at a hotel? Check to see if they have “resort fees.” More and more hotels are charging these offers, which sometimes provide things that used to be included in your room rate (such as access to the fitness center). Some will waive the extra fees if you negotiate — and it can be worth the effort because the fee can be $10 – $25 each day.
  • Eating out too much? If your hotel room has a refrigerator, you can easily purchase and store sandwich ingredients for a cheap lunch or dinner. Many people find it more economical to rent a condominium or house for their vacation and cook most of their own meals. The money saved on restaurants can make up for any cost difference between a condo and hotel.
  • Learn about travel insurance. Yes, this costs money up front. But if you have a long and expensive vacation planned, travel insurance can end up saving you a lot of money if something goes wrong and you need to come home early or even cancel your entire trip. Depending on the coverage you purchase, you could receive reimbursement for additional airfare, hotel charges and more.

Finally, remember that you’re on vacation to relax and escape everyday life. So when you get there, get out there. Meet some locals, do some things off the beaten path. In fact, the locals usually have the best recommendations. And, because they want their local businesses to succeed, they often know about deals not offered in brochures, etc.

Enjoy your trip,

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

Graphic purchased from fotolia.com  © kids.4pictures – Fotolia.com

Keep Your Pets Safe on the 4th of July

By

sophie1Tucker1

 

 

 

 

 

 

For most of us, the Fourth of July is a time to watch the pyrotechnics that mark the holiday. But for our pets, fireworks are another story. Many pets can be traumatized by the noisy rockets and firecrackers so many of us enjoy. Our dogs, Sophie & Tucker respond to the sounds of local fireworks differently. Sophie wants to save us from unknown attackers and Tucker wants us to join him under the covers.

At DeKok Insurance Group, Joy and I hope your 4th of July is happy and safe for you and your pets. So along with our other story about fireworks safety, here are some tips to help you protect your pets on Independence Day in Minnesota, or wherever you celebrate.

Protecting your pets . . .

Many pets are very frightened by the loud noises caused by fireworks. If you can’t take them away from the noise, here are some pointers from the American Society for the Prevention of Cruelty to Animals that will help them have a more peaceful holiday.

  • Don’t take your pet to a public fireworks display. In addition to the noise, they may be spooked by the crowds.
  • If possible, leave your pet inside in a safe, secure room. Do not leave them outside, even if your yard is fenced. They may try to flee, and they may succeed; July 5 is a busy year at many animal shelters in {city}, as dogs and cats are frequently found miles from their homes. Taking your pet on a walk early in the day can help tire them out.
  • Give your pets a comfortable place to rest, as well as plenty of food and water. You might even leave a TV or stereo on to drown out the fireworks. Provide soothing music, if possible. A favorite toy (or their favorite owner!) can help comfort them, too.
  • Make sure your pets have an ID tag or microchip, in case they get scared and escape.
  • Check with your veterinarian before giving your pet any medication intended to calm them. They may be able to provide you with a prescription or suggest alternatives.
  • And, of course, keep your pet away from used and unused fireworks.

With some planning, the Fourth of July can be both safe and enjoyable for everyone – and less scary for your pets. Whether you’re staying at home or are visiting somewhere else, we hope you have a wonderful time celebrating our independence!

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

When Things go BOOM in the Night – Fireworks Safety

By

花火イメージ

 

For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home in Minnesota or away on vacation.

But for some families, the holiday is a nightmare. Homes each year in MN are damaged by wayward fireworks. Thousands of people are injured in accidents.

At DeKok Insurance Group, we (Joy & I) want your holiday to be happy and safe. So here are some tips to help you protect yourself and your property on the Fourth.

Protecting yourself (and others)

  • To minimize the risk of injury, don’t use consumer fireworks. Attend a public display conducted by professionals in Rochester or your town.
  • If using consumer fireworks, always follow instructions. Do not attempt to re-light “duds” or create homemade fireworks.
  • Never let children handle or light fireworks. Even sparklers, which burn at more than 1,000 degrees, can cause third-degree burns. Kids under the age of 15 account for approximately 40% of fireworks injuries, according to the U.S. Fire Administration.
  • A responsible adult should always be present when children – even teenagers – are around fireworks. More than half of fireworks injuries happen to those younger than 20 years old.

Protecting your home

  • According to the National Fire Protection Association, the best way to protect your home is to not use fireworks at home.
  • Remember, fireworks can cause grass fires and other types of blazes as well. Make sure you light fireworks in a safe area, away from homes and buildings, as well as other combustible material. Keep a fire extinguisher nearby in case of emergency.
  • Look out for tree limbs or bushes that could catch fire. Trimming vegetation to keep it away from your home is a good idea anyway, but it could save you from a catastrophic fire on the Fourth of July.
  • If your gutters have accumulated leaves, pine needles or other flammable material, clean them before using fireworks near your home.
  • Finally, if you won’t be home on the holiday, ask a neighbor to keep an eye on your house if others in your neighborhood will be using fireworks.

With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone. Whether you’re staying at home or heading to into the town nearest you, we hope you have a wonderful time celebrating our independence!

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

Graphic purchased from © bitter…。 – Fotolia.com