Does my boat insurance cover my personal belongings, like my phone and wallet?

You probably assume that you are covered if anything happens while you are out boating if you have already purchased boat insurance through Singh Insurance and Financial Services, LLC. Living in Clermont, FL means having access to great weather and water, so you do what you need to do to make sure you have the protection you need when you are out boating.

Your insurance agent probably offered you multiple deductibles and maximum coverage levels, because no two people are in the same situation. If you have a fancier boat, you will need more coverage. Even if you don’t have an expensive boat, you want to make sure that you won’t have to pay out of pocket if someone else is injured while you are boating.

But your primary coverage, which includes liability protections, probably doesn’t cover all your personal possessions. If you want to get the right protection, you can simply add on to your existing coverage. Personal effects and fishing equipment policy will protect your personal possessions, such as your phone, fancy fishing gear, and other possessions you bring with you while you are boating. Everything from clothing to bait boxes to sporting goods can be covered under this policy.

At Singh Insurance and Financial Services, LLC, we try to make sure every customer has the protection they need. Beyond basic coverage for common claims like property damage and theft, we can help you choose your level of protection for personal injury, fuel spills, and anything else you think is a concern. If you are involved in a lawsuit, your insurance may even cover legal fees. If you have any questions or would like to add more coverage to your Clermont, FL policy, please give us a call today.

How to Prepare for Hurricane Season

Floridians know how important it is to be prepared for hurricane season. Floridians are no stranger to life-threatening winds, flooding, and property damage. The first thing every homeowner should do is check your homeowner’s insurance policy before the hurricane season starts.

There are many steps to prepare for hurricane season which begins June 1st and goes through the end of September.

Here are some of the preparations for the home outdoors.

Remove outdoor items
Trim dead branches from trees
Board up windows
Fill gas tanks and extra containers
Get extra cash
Move furniture away from windows
Store important documents in waterproof containers
Extra supply of medicines
Prepare for the needs of pets

Other preparations are for safety in your home while riding out the storm. If you are not confident that your family is safe at home, make arrangements to go to a hotel or a local shelter. Here are some things you will need to do to be ready for the storm.

Here is a list of items residents should have on hand during any emergency.

Bottled water (1 gallon/person/day) 
Bottled juice
Two coolers: One for drinks & one for food
Canned foods
Manual can opener
Dry pet food
Medic-alert tags
Insect-repellent sprays
Feminine hygiene items
Sunscreen
Soap
First aid kit
Prescription medication
Over-the-counter medication
Children’s medicine
Bandages
Adhesive tape
Antiseptic solution
Thermometer
Tweezers

If you are having an actual emergency please dial 911 immediately. Please be aware of and publish all emergency contact numbers.

This article from the Insurance Information Institute shares more information regarding being prepared for hurricane season. Read Here