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Farmers Union Insurance Agency adheres to the Trusted Choice pledge. We work right in your communities and are actively involved with other organizations, events, and volunteerism. Finally, we are committed to providing comprehensive, quality insurance products and service to fit the needs of your family. We work to establish long-term relationships, placing emphasis on protecting your most important assets at home and in your business.
Why wouldn’t you trust your insurance needs to Farmers Union Insurance Agency?
Protect Your Boat with Insurance and Winterization
Now that summer’s over and the weather is cooling down, it’s time to think about pulling your boat out of the lake and putting it away until next year. As you begin to prepare your boat for the winter, take the time to make sure it still has the right insurance protection. After all, we here at Farmers Union Agency want to make sure you’re ready for the next boating season!
First Things First: Insurance
If you have a small boat with limited power, you may have some coverage under your Minnesota, North Dakota or South Dakota homeowners or renters insurance policy. If you aren’t sure, please check with us. Of course, larger and faster boats, along with personal watercraft, require their own policies. And we can help with those, too!
But do you even need boat insurance during the offseason when your boat won’t even be in the water? Well, that depends. Keep in mind that your boat can still be damaged no matter where it is. Often, damage from fire and theft isn’t covered unless you have a watercraft policy. And there always is the chance that we could get a streak of great weather in November that lures you to take the boat out on the lake for a day or two! There are plenty of reasons to keep year-round coverage, but if you have questions about seasonal policies, give us a call. Connect with one of our local agents HERE.
And while you’re thinking about insurance, consider your current watercraft coverage. Is your boat older? It might be time to move to cash-value coverage instead of agreed value. Do you have a lot of expensive fishing equipment? Make sure you have enough optional coverage so your gear isn’t at risk. You might also want to consider uninsured boater coverage and a personal umbrella policy, which provide more liability protection than a standard watercraft policy.
And remember, you might be able to save money on your insurance by taking a boating-safety course, increasing your deductible or bundling your policies with one company.
Thanks to Safeco Insurance, one of our Insurance Companies, for contributing to the content of this blog.
October 1: Walt Disney World opened in Orlando, FL (1971).
October 2: Peanuts comic by Charles Schultz first appeared (1950).
October 3: The "Mickey Mouse Club" premiered on TV (1955).
October 4: Mickey Mantle hit grand slam in World Series (1953).
October 5: US performed nuclear test at Nevada Test Site (1958).
October 6: Thomas Edison showed first motion picture (1889).
October 7: Motion Picture Assn adopted film rating system (1968).
October 8: Ringo Starr took and passed his drivers test (1964).
October 9: American Humane Society formed in Cleveland (1877).
October 10: The US overtook Okinawa, Japan (1944).
October 11: Astronaut Kathryn Sullivan's 1st US female space walk (1984).
October 12: First Oktoberfest held in Munich, Germany (1810).
October 13: The US Continental Navy was created (1775).
October 14: Martin Luther King, Jr. awarded Nobel Peace Prize (1964).
October 15: "I Love Lucy" premiered on TV (1951).
October 16: Brigham Young Univ. founded in Provo, Utah (1875).
October 17: Al Capone convicted of income tax evasion (1931).
October 18: Walt Disney's "Jungle Book" released (1967).
October 19: The Revolutionary War ended (1781).
October 20: Walter Cronkite began hosting weekly show (1957).
October 21: 1st Americans fight in WWI (1917).
October 22: Thomas Edison invented filament light bulb (1879).
October 23: 25,000 women marched in NYC for right to vote (1915).
October 24: Anna Taylor 1st person over Niagra Falls in barrel (1901).
October 25: US forces invaded Grenada (1983).
October 26: The Erie Canal opened (1825).
October 27: Teddy bear named after President Roosevelt (1858).
October 28: France presented US with Statue of Liberty (1886).
October 29: NY Stock Exchange crash began Great Depression (1929).
October 30: Jesse James Gang robbed bank in MO for $2,000 (1866).
October 31: Halloween; Spanish Flu killed 21,000 in 1 week (1918).