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The Washwick Agency

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Bethlehem, NH 03574

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Riverhead, NY 11901

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Tag: Bethlehem NH

Will RV insurance cover the repair of my RVs fridge?

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RV insurance, like auto insurance, covers many different areas. Of course, no two RV insurance companies are exactly alike. Understanding what’s covered by your RV insurance will vary from company to company. The Washwick Agency team knows that understanding what’s covered can be confusing. We’re committed to helping Bethlehem, NH area RV owners understand what’s covered and what’s not. 

What is RV insurance?

RV insurance is similar to auto insurance in that it can provide liability protection as well as collision and comprehensive protection depending on the particular type of coverage you invest in. Any motorized RV must legally be covered by a liability insurance policy. Any additional form of coverage can be chosen according to the owners’ preferences or other requirements. RV owners can invest in coverage for the repair of their RV if it’s damaged in an accident, as well as coverage for theft, some natural disasters, and vandalism. 

Will RV insurance cover the repair of my RV’s fridge?

No. RV insurance won’t cover your RV’s appliances as well as many other things associated with your RV, including your generator. However, RV warranty coverage can cover your appliances as well as other items and issues that aren’t covered by a typical RV insurance policy. Typically, your appliances are warranted, and extended manufacturer warranty is often an option as well. Like car insurance, RV insurance typically covers theft, vandalism, some natural disasters, damage from wrecks and other circumstances, windshield damage, non-moving accidents and more. However, appliances and other items often aren’t a part of what is covered by an insurance policy.

We Are Here To Help

If you have questions about RV insurance, call us at The Washwick Agency. We can explore your options in the greater Bethlehem, NH area and discuss your unique needs and preferences. We’re standing by. 

Is motorcycle insurance required in New Hampshire?

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For most riders in Bethlehem, NH, motorcycle insurance isn’t required by law. New Hampshire motorcyclists should still be aware of its benefits and their legal obligations in an accident. There are also some situations when the state government or a bank does require this form of coverage.

State Requirements

The Granite State expects people to prove that they’re insured if they’ve committed serious vehicle-related crimes in the past. Examples include driving recklessly more than once or driving while intoxicated. The same goes for leaving an accident scene without taking the necessary steps. You can find out if you must have coverage by looking at your Driver Record Report.

Did you take out a loan to buy your bike? If so, you may be required to have motorcycle coverage. Many lenders require it because they want to make sure you can still repay the loan after a serious accident. Check your loan documents to see what type of insurance you need.

Responsibility

If you cause a motorcycle accident in New Hampshire, you are responsible for reimbursing other motorists’ losses. Your assets could be seized, and you might lose your license if you can’t do so. Adequate insurance shields you from most of these risks and burdens.

Benefits

Insurance also protects you from losses related to things like fire, single-vehicle crashes, and motorcycle theft. Keep in mind that you’ll need comprehensive coverage to qualify for some of these benefits. Even if nothing bad happens, you’ll experience greater peace of mind whenever you ride your bike.

Consult With Us

If you’d like to start enjoying the benefits of motorcycle insurance, turn to The Washwick Agency. We offer dependable coverage at competitive rates to residents in the greater Bethlehem, NH region. To request a quote or learn more about our insurance services, reach out to us today at The Washwick Agency. 

Do I need boat insurance for the entire year if I can only use my boat in the summer?

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There is no legal requirement to carry boat insurance in New Hampshire, but failure to carry insurance could lead to disaster if something happens. If your boat is damaged, and you don’t have insurance, you won’t get any help paying for it.

Bethlehem, NH boat insurance can also help protect you if you accidentally injure someone while boating. The Washwick Agency can give you the information you need to make an informed decision about what kind of boat insurance to carry and whether you need insurance in the winter.

Your Boat Is At Risk Even When It Is In Storage

One of the biggest risks your boat faces during the winter is theft. Once you have your boat safely in storage, you probably don’t spend much time checking on it. Many boats are stolen during the winter by people taking advantage of this lapse of attention. Vandalism is also a possibility.

Boats can also be damaged during the winter because of fire or bad weather. An electrical fire or a snowstorm could cause damage to the structure storing your boat, leading to a total loss.

A Lapse In Insurance

A lapse in insurance can look bad on your record. Also, you can still be liable for accidents related to your boat, even if your boat is in storage. For instance, kids could find your boat and decide to clown around, leading to injury that you will have to pay for.

If you are still paying off a loan on your Bethlehem, NH boat, year-round insurance is probably part of the terms anyway. Call The Washwick Agency today so we can help find a policy that fits your needs.

Do I need a separate umbrella insurance policy for my property and automobile?

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Most people don’t realize that umbrella insurance can benefit anyone. Even if you don’t think you are vulnerable to a future loss, you could be involved in an accident through no fault of your own and need additional assistance. If you are in an auto accident or if you experience damage to your Bethlehem, NH home, a single umbrella policy can help with both. At The Washwick Agency, we can show you how inexpensive this coverage is.

What Is Umbrella Insurance?

Umbrella insurance is basically an extra insurance policy that acts as an umbrella to protect you from unexpected rainy days. If something unfortunate happens and you feel vulnerable, your umbrella policy offers that extra protection you need.

Your umbrella policy works by picking up where your regular coverage leaves off. Say for instance that you are in an auto accident and you have $50,000 coverage for medical payments per victim. If one of the victims requires multiple surgeries or extensive rehabilitation, that money could run out fast. Once you reach your policy limit, your umbrella policy takes over and pays up to that policy limit.

Why Is Umbrella Insurance Important?

Even if you don’t feel as though you have many assets, you could lose all your assets in a big enough event. Umbrella policy protection generally starts at $1 million and is surprisingly affordable.

Not only that, but your umbrella policy covers you in multiple areas. If your policy is personal, it may protect your automobile and home, adding extra liability coverage for your home. If you get an umbrella policy for your Bethlehem, NH small business, it adds coverage to your business policies.

We Are Here To Help

If you would like to discover your options for adding an umbrella policy, please feel free to call The Washwick Agency today.

Can I still insure my adult children if they are in college and don’t have their own health insurance yet?

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Without health insurance, even a mild illness can seriously disrupt your finances. Facing large medical expenses can even cause people to forego necessary medical treatment because they do not have the money. 

At The Washwick Agency, we understand how confusing health insurance can be. There have been many changes in the last several years, and you need the best and most current information to keep your Bethlehem, NH family safe and healthy.

Are There Already Other Minor Children On Your Health Insurance Policy?

For most families, there is no extra charge for having no matter how many children are on the plan. A family plan with one child costs the same as a plan with ten children. When there are already minor children covered under the policy, it makes sense to keep young adult children on. 

However, if the adult children are the only ones left, it may be less expensive to let them get their own plans. Some employers only pay for your part of the insurance, A young adult who isn’t working full-time yet is probably eligible for a subsidy.

You Can Continue To Insure an Adult Child Until the Age of 26

Keeping your children on your plan may seem like the safest thing to do. If your children are on your policy, you know they have protection in case of illness or injury.

You still need to think about whether it is the best option. If your child is going to college in another state, they may not have access to the right providers.

We Are Here To Help

If you have questions about health insurance in the Bethlehem, NH area, please call The Washwick Agency today so we can look at your current coverage and help you understand your options.

Can I still insure my adult children if they are in college and don’t have their own health insurance yet?

Posted on by admin

Without health insurance, even a mild illness can seriously disrupt your finances. Facing large medical expenses can even cause people to forego necessary medical treatment because they do not have the money. 

At The Washwick Agency, we understand how confusing health insurance can be. There have been many changes in the last several years, and you need the best and most current information to keep your Bethlehem, NH family safe and healthy.

Are There Already Other Minor Children On Your Health Insurance Policy?

For most families, there is no extra charge for having no matter how many children are on the plan. A family plan with one child costs the same as a plan with ten children. When there are already minor children covered under the policy, it makes sense to keep young adult children on. 

However, if the adult children are the only ones left, it may be less expensive to let them get their own plans. Some employers only pay for your part of the insurance, A young adult who isn’t working full-time yet is probably eligible for a subsidy.

You Can Continue To Insure an Adult Child Until the Age of 26

Keeping your children on your plan may seem like the safest thing to do. If your children are on your policy, you know they have protection in case of illness or injury.

You still need to think about whether it is the best option. If your child is going to college in another state, they may not have access to the right providers.

We Are Here To Help

If you have questions about health insurance in the Bethlehem, NH area, please call The Washwick Agency today so we can look at your current coverage and help you understand your options.

Life insurance FAQs

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Life insurance is something that most people have questions about. It is not the most well-known insurance. At The Washwick Agency in Bethlehem, NH, we want our customers to have as much information as possible when they are making decisions about their insurance. That means we will be happy to answer any questions you have about life insurance. 

Life insurance FAQs

Can my life insurance be canceled?

Yes, it can, and the most common reason is non-payment of the premium. If you are in financial difficulties, it is important to call your carrier and see if there is any way they will work with you. The other reason your policy may be canceled is that you lied on your application. You are required to answer the questions truthfully, and if it is discovered that you haven’t, it could mean your family won’t receive the death benefit if you pass away. 

What is term life insurance?

Term life insurance is life insurance that only has a death benefit, it doesn’t have cash value, and has a term that it lasts for, usually 20 years. At the end of the term, the policy is done. The carrier may offer to continue it, but it won’t be at the same rate as it was when you purchased it. 

When is the best time to buy life insurance?

Life insurance is at its least expensive when you are young and in good health. But, with term insurance, you should buy it at the time when you need it so that it will cover you for the complete time you need it, such as while your children are growing up. 

Schedule A Consultation Today!

You can contact The Washwick Agency in Bethlehem, NH when you need to discuss what your life insurance needs are. Give our office a call or stop by to talk to our experienced independent insurance agents. 

Four things you shouldn’t assume about Medicare insurance

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Consumers in Bethlehem, NH can get Medicare insurance from us at The Washwick Agency. If you will soon get Medicare insurance, you need to be well informed about how it works and what it covers.

The following are four things you shouldn’t assume about Medicare insurance:

You don’t have to pay anything for Medicare Part B. 

Although Medicare Part A is available for no premium for most Americans, consumers need to pay premiums for Medicare Part B. Consumers may also need to pay deductibles, coinsurance, and copay costs for Medicare Part B. 

You can’t get prescription drugs covered with Medicare insurance. 

Getting the prescription drugs you need is important for staying healthy. Fortunately, you can get prescription drug coverage with Medicare if you get Part D coverage. 

You automatically get Medicare coverage when you turn 65. 

Don’t make the mistake of thinking that you don’t have to do anything to get the coverage you need when you turn 65.

While Americans become eligible for Medicare coverage when they turn 65, you won’t become covered by Medicare until you sign up and choose what types of coverage you want included on your policy.  

Everyone pays the same amount for Medicare insurance coverage.

The amount you pay for Medicare will be impacted by a variety of factors. Medicare costs depend on what financial assistance you qualify for and what types of coverage you have included on your policy. Medicare, therefore, doesn’t cost the same for all Americans who rely on it for their health insurance. 

Reach Out To Us

Get a policy quote by calling The Washwick Agency today. We are an insurance provider that consumers in Bethlehem, NH can come to for the Medicare insurance that they need. 

How Much Insurance Coverage Does Your RV Need?

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RV travel has become a popular option in the U.S., with a broad range of amenities that make the freedom and privacy of this mode of transportation preferable over others. However, your RV needs insurance just like your other vehicles, and you may be unfamiliar with what is covered under these policies. At The Washwick Agency in Bethlehem, NH, we can answer your questions about the right RV insurance for your vehicle.

What RV Coverage Is Mandatory?

RV insurance is similar to auto insurance policies in that each state may set its own requirements on how much liability coverage you must have. Because RVs are often quite large, they can cause significant damage to other vehicles and property in an accident. You may wish to have more liability coverage than your state requires in case you are ever sued for damages caused by your RV.

What Other Coverage Options Are Available?

Collision coverage will help defray the costs of repair to your vehicle in case of an accident. Similarly, comprehensive coverage protects you from the expenses from damaging events that may not be covered under your standard policy. Coverage for uninsured drivers is another coverage option that can help to save you money in case of an accident. You may want roadside assistance coverage or additional coverage for expensive electronics that are kept in your RV. Your agent can help you choose the coverage that best suits your needs.

Choose Us For Your RV Insurance

If this is your first RV, you may have many questions about how much insurance you need and whether you need special types of coverage. We can provide detailed answers from experienced insurance professionals. Contact The Washwick Agency in Bethlehem, NH today for a no-obligation quote on RV insurance to protect you as you enjoy your RV travel.

Cause of Motorcycle Accidents and Safety Tips

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There are many different causes of motorcycle accidents in Bethlehem, NH. Damage to your bike and injuries to yourself and others cost money. The Washwick Agency offers motorcycle insurance that covers collision and comprehensive policies that pay for repairs or replacement of your bike.

We have coverage for medical expenses when you collide with an uninsured driver or underinsured driver. Our motorcycle insurance offers roadside assistance and custom part assistance. In New Hampshire, motorcycle insurance is required to register your bike. Give us a call to learn more.

Cause of Motorcycle Accidents In New Hampshire 

Four-way traffic stops and left turns have proved to be one of the biggest causes of motorcycle accidents. Distracted drivers on cell phones, talking to other passengers, and using entertainment features will cause you to have accidents. Larger vehicles coming into your lane or merging often cause accidents.

Accidents are caused by harsh weather, obstructions in the road, oil spills, lane splitting, speeding, drug and alcohol, and mechanical problems with the bike. These are the major causes of motorcycle accidents that can happen when you are driving.  

Safety Tips For Motorcycle Drivers 

New Hampshire DMV offers a Motorcycle Training Program at nine locations throughout the state. It runs from April to October. They have a basic, intermediate, and experienced rider course. Students should be 18 years and older to take the course. They will teach you safe driving techniques and all the rules of the road. Those that pass the course will get a motorcycle endorsement on their driver’s license. 

Check your bike before going for a ride. Be sure your tires have enough air; your brakes are working, and the oil and fluids in the bike are full. Wear protective gear to protect yourself from a fall or accident. A helmet can spare you a concussion if an accident occurs. Long pants and shirts protect you from cuts and scrapes on your body.

 Learn how to ride your motorcycle and manage it. Practice will make your ride enjoyable and safe. Planning is the key to accident prevention. Pay attention to the road and drive defensively, watching other vehicles. 

Never take unnecessary risks like speeding, lane splitting, weaving in and out of traffic, and leave space between you and other vehicles. Do not go through red lights and stop signs. Respect the rules of the road.

Reach Out To Us!

Call us at The Washwick Agency in Bethlehem, NH to learn more about our motorcycle insurance policies and the right one for you. 

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