All articles in Personal Lines

Watercraft Critters – What is covered?

Safeco Critters Image

While they might look cute & furry, animals can cause major damage to your watercraft. One of carriers Safeco recently put out an infographic giving real life claim examples of boat damage by animals. This illustrations can you give you a great idea of what would be covered in the event of animal damage on your watercraft.

Loss of a watercraft due to direct damage by rodents, insects, marine life & other types of animals is not covered. However, if animal damage causes consequential (or indirect) loss you could be covered. One example Safeco gave was muskrats that had chewed the bellows of a boat. The holes allowed water to get into the boat and the boat sank. Now, because the boat sank as a result of the muskrats chewing holes in the bellows this would be an indirect consequence. The cost to repair the boat was covered. The rubber bellows were not covered because the were directly damaged by the muskrats.

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Auto Insurance: The least & most expensive 2016 vehicles to insure


If you are in the market for a brand new car you might want to take a look at Property Casualty 360’s list of 2016 model auto insurance rates. They made up a list of both the top 10 least expensive models to insure & the top 10 most expensive autos to insure. The Insurance Information Institute¬†says that car insurance rates vary based on the cost of the car, the safety record of the vehicle & also things such as how likely the vehicle is to be stolen. As you look at the list below remember that we provide auto insurance for new or used cars! Continue reading Auto Insurance: The least & most expensive 2016 vehicles to insure