Be Mindful of These 3 Unsafe Boating Conditions

A moderate-sized fishing boat tied to a concrete dock.Spring is upon us, which is the perfect time to prepare your boat for the warm seasons ahead. While de-winterizing your boat may be top of mind, there are some other safety considerations that you should brush up on before docking your vessel. Three avoidable – but often unconsidered – causes of serious injury while boating includes electrocution, carbon monoxide poisoning, and injuries caused by propellors. Let’s review these unsafe boating conditions and how you can properly prepare and equip yourself to deal with them. [Read more…]

What Does It Mean to Bundle Your Insurance Policies?

The inside of a tiled garage with a white minivan and black ATV parked inside, meant to represent the benefits of bundling your insurance policies.Insurance is a necessary expense for most households, but it doesn’t have to be an investment that breaks the bank. You want to be sure you’re getting the best coverage for your possessions while also utilizing possible discounts. If you’re the owner of both a home and a vehicle, there’s likely an opportunity to secure savings by bundling your policies. Beyond savings, you can also take advantage of the other benefits bundling has to offer. Let’s discuss what it means to bundle your insurance policies and all the perks that come with doing so. [Read more…]

Why You Need Boating Insurance

Man boating on lakeWhen purchasing a boat, insurance is often the last thing on new owner’s minds. When it does cross their mind, they usually believe the myth that their homeowner’s insurance covers their boat. Homeowner’s insurance often times will cover boats without engines, or those with extremely small engines—this usually only covers a sailboat. Most boats have more potential risk surrounding them, which is why boat owner’s insurance is important. Learn why you probably need boating insurance and the liabilities it protects against. [Read more…]

Do You Need Boat Insurance for Your Craft?

Boat Insurance, TJ Woods Insurance Agency, Worcester, MAEven more than homes or cars: boats – and watercraft in general – come in a staggering array of shapes, sizes, and roles. From single person personal watercraft to marina yachts, their housing, transportation, and costs vary widely. With such varied values and risks, and different locations for these risks to occur, it can be difficult for owners to judge the risk and necessity to insure the watercraft, especially when both Homeowners’ Insurance and Car Insurance can also provide coverages. This article goes over what coverage these insurances provide, as well as situations where you’ll need additional coverage. [Read more…]

What Is Umbrella Insurance?

What Is Umbrella Insurance? - TJ Woods Insurance - Worcester, MAYou likely have insurance of all types. You may have house insurance, car insurance, life insurance, or even boat insurance. These are of course, specific coverages which are limited in what they can protect you against. If you get in a car accident, your house coverage won’t do you any good. The problem is arises if you specific coverage, like your car is not sufficient. In order to address, this issue umbrella insurance was created.

[Read more…]

10 Basic Boating Steps to Float Your Way to Boating Safety Success

Some may think that there is really nothing to boating safety. [Read more…]