Prepping for Spring Fun: Recreational Vehicles

With spring time approaching now’s the time to start thinking about getting ready for fun outdoors and traveling.  When it comes to recreational vehicles, here is a quick rundown of some of the most important things to remember follows:

Check the tires to make sure they are still good.

The winter break can leave them low on air, or if the tread level wasn’t checked before winterizing then it is a good time to be sure they are roadworthy. Along with the tires on the axles, be sure to check on the spare as well, as getting a flat and having a bad spare is a nightmare all of its own.

Do a maintenance check on the gas lines and appliances.

Gas is one of the most volatile parts of an RV, because any issues with the gas line or appliances could be explosive. Rather than risk taking your RV out on the road with a gas leak, make sure to check all of the lines and appliances before hitting the road.

Test your batteries.

Batteries aren’t known for their ability to hold a charge when they’re not in use, so testing the RV batteries where they can be charged if necessary is a critical checklist item. Along with recharging, some batteries need replacement water added as well. Check the water levels of any batteries that need it, and remember to replace the water after charging is complete.

Flush, clean and replace water throughout the water system.

If water has been sitting for awhile, or if an antifreeze was added to make sure the lines didn’t freeze in the cold months, then flushing out the water system is a good idea. Make sure that any drinking water is clean and safe to use, and top up the potable water tanks before taking off on your first trip.

Make sure all your registration paperwork, license plates and insurance is up to date.

The last thing you want to do is hit the road only to find out that your tags are expired or worse, that the insurance has lapsed. Being pulled over by the police for those items is not fun and can be very costly. Check out the registration and give your insurance agent a call to make sure everything is good to go so you can hit the road.

If you’d like to find out how Bob Johnson Insurance can help you find competitive rates for your RV coverage, or even if you just have some questions, please tell us how we can help you…


Prepping for Spring SeriesPrepping for Spring Series

Keeping Boat Insurance Afloat in the Off Season

expensive pleasure boat safely stored under canopy on a hyrdolic lift in a dock

Summer is over, and you’ve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while it’s hibernating? A lot, according to Progressive.

“You’d be shocked at the number of claims filed in colder months,” says Dominic Mediate of Progressive. “Nearly two out of every 10 Progressive boat claims filed in northern states happen between Labor Day and Memorial Day.”

Don’t take a gamble on nothing bad happening.

Common off-season claims:

Fire, theft, vandalism and flooding

Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding aren’t protected.

Injuries that occur on or around your boat

Some boaters don’t realize they could be responsible for injuries that occur on or around their boat — even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured person’s medical bills.

Keeping your policy all year round might also save you a few bucks.

Progressive’s disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible. Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.

Check your policy and consult Bob Johnson Insurance, Inc. Click here to contact BJI or call 865-922-3111.

Progressive Boat On-Water Towing

Getting ready for summer on the water?  Don’t get “caught without a paddle.”

Progressive offers unlimited on-water towing, no out-of-pocket expense for PWC (Personal Watercraft) or jetskis. You can get coverage up to $2,500 of towing and labor costs per occurrence and it has no deductible.