Recreational Insurance: A Must for Frequent RV Travelers

If you’re a frequent RV traveler, you need comprehensive recreational vehicle (RV) insurance to protect you on the road. Without proper insurance, an unexpected accident could bring your travels to a complete halt. Customized RV insurance from Zapp Insurance Agency will let you enjoy stress-free RV travels around Ballston Spa, NY and beyond. Here are some critical coverage options to consider to get the full protection you need. 

Liability coverage protects you against accidents you cause. If you lose control of your RV while driving on a slippery road and hit another vehicle, your liability coverage will pay for injuries or property damage to others in the accident you cause. The more you drive your RV, the higher the risk of causing an accident. Liability insurance covers expenses to others, so you don’t have to pay out of your pocket.  

You’ll also want to protect your RV against damage or theft when you travel. Comprehensive coverage pays for the cost of repairing your RV if it’s damaged by hail, wind, fire, or vandalism. It also protects you if your RV is stolen in the course of your travels. Collision insurance will pay for repairs to your RV if you collide with another vehicle or object on the road. If you’re a frequent RV traveler, it’s good to have insurance coverage to protect your valuable investment.

Your customized insurance package could also provide such extra coverage as personal effects and roadside assistance. If valuables are stolen from your RV or damaged in an accident, personal effects insurance will cover the cost of their replacement or repair. If your RV develops mechanical issues, roadside assist will help you get back on the road.

The right RV coverage from Zapp Insurance Agency in Ballston Spa, NY will enable you to enjoy smoother, more relaxing RV road trips with your family. Reach out to our agents to learn more.

What Does Boat Insurance Actually Cover

While not all states require boat insurance, it is always a good idea to have it. Boat owners in Saratoga Springs and Ballston Spa, NY are not required by law to have a policy for their boat, but considering the potential dangers, it would be crazy not to at least think about having one. Before you decide if you need a boat insurance it is important to understand what boat insurance actually covers.

Collision damage

Probably the most often used part of boat insurance is collision damage. It covers any damage caused by, you guessed it, collisions. Collisions can range from small bumps when you are hanging out at a sandbar or in the marina, or catastrophic collisions that render the boat irrecoverable.

Property Damage Liability

This will cover any damage that you cause either by accident or because you didn’t pay attention. This can happen quickly. You go to fast into the marina and bump into neighboring boats, or you hit the mooring and something gets damaged. This happens more often than you might think.

Bodily Injury Liability

This will cover any personal injuries that were caused by the usage of your boat. It includes passengers riding with you and people on other boats or in the water. It typically covers hospital bills, pain & suffering, lost wages, and legal expenses.

Comprehensive coverage

This type of coverage includes any damage caused by what the industry calls "acts of God" and non-collision incidents. For example, if your boat is stolen, sinks in a hurricane, is vandalized, or otherwise damaged outside of a collision, this coverage kicks in.

In addition to the above 4 pillars of boat insurance, you can also add a variety of additional insurance options. It is best to discuss your options with an experienced agent from Zapp Insurance Agency covering boat owners in the Saratoga Springs and Ballston Spa, NY area.

For more information, contact Zapp Insurance Agency. Our agents can help get you set up with boat insurance so you are protected on the waterways.

Is Your Homeowner’s Insurance Covering Your Home Adequately?

Your home is a considerable investment, and without the right coverage, you can end up losing everything to one single catastrophe. With the right homeowner’s policy, you can find the coverage that makes you feel safe and secure, and that helps to protect your home at all costs. For those in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you find a home policy that is going to protect your home from attic to crawl space.

For many people, it might seem like the same old policy that you acquired when you first bought your home is plenty and you are going to be fine. However, changes to your home may leave your policy lacking. There are a few different factors that you have to keep in mind to make sure that your policy is covering your home adequately.

A good rule of thumb is to consider any changes you may have made to your home. Improvements change the value of a home and change the overall cost of a home as well, which means you may need more coverage. If you have added rooms, replaced the roof, replaced windows, performed upgrades, and more, your home is likely worth more than your original home owner’s policy states. Another factor to keep in mind is the items within your home. As you add items to your home, you need to remember that your possessions make a difference in the overall amount that you should cover your home.

For those that live in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you find the policy that works best for you. Reach out to our offices to learn more about a homeowners policy and get quotes online by using our online rating tool.

Easy Business Start-up Ideas

Starting your own business is a venture ideal for people who like the ability to travel when they want. It’s an option for those who enjoy being in charge. For many, it’s an opportunity to do what you love or discover what you like to do. At Zapp Insurance Agency, serving Ballston Spa, NY and the surrounding region, we help you achieve whatever business ideas you have.

1. Become a Contractor

You don’t need a ton of money to become a contractor. If you have the skills, even if you learned them from working on your own home, you’re able to start your own business. Because you’re working on other people’s houses and anything could go wrong, you need insurance. So if something were to happen, you’re able to pay for the damage.

2. Photography

If you’re able to take photographs, you may want to purchase a high-quality camera and offer your services as a photographer for special events and occasions such as children’s birthdays. For the cost of a camera and even some props, you could have the beginning of a career. It doesn’t hurt to take courses in photography to truly hone your skills if you’re serious about becoming a photographer. Unfortunately, you could find yourself making one mistake that could upset a client, but if you have insurance, your client will receive compensation, which could avoid a legal issue.

3. Sell Your Baked Goods

If you can bake from scratch, start selling. Just make sure you contact your local government to find out the guidelines you need to follow. You should also get insurance just in case you should happen to undercook a baked good or someone with an allergy files a lawsuit.

If you’re interested in starting your own business and are looking for insurance, contact Zapp Insurance Agency serving Ballston Spa, NY and the surrounding area. To get a quote, call us at 518-306-4632 or stop by our office.

Is Classic Car Insurance the Same as Auto Insurance?

Car insurance is something that we all have trouble figuring out from time to time. With that in mind, it is essential to think about what different types of insurance mean both for our pocketbook and for the everyday use of our cars. For those that live in the Saratoga Springs or the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you determine what type of coverage is best for your car.

For starters, to be able to drive your car on the road legally, you have to have insurance on it. Be it a full coverage policy, liability, or a classic car policy, all vehicles on the road must be insured. That being said, classic car insurance is not the same as standard car insurance. Though they both allow you to drive your car on the road, they have very different connotations and mean different things in the greater scope of car insurance.

The main difference is the cost as determined by the fact that a classic car is not meant to be driven on the road every day. This means that a classic car policy is likely going to cost less than a standard auto policy. As far as classic cars go, for a vehicle to be classified and registered as a classic, you are not meant to drive it on a daily basis, and it has specific purposes such as car shows and parades. Multiple other eligibility requirements must be met. Talk with an agent to find out if you are qualified.

If you are interested in a classic car insurance policy, visit our offices or give us a call to learn how to start today. For those in the Saratoga Springs or Ballston Spa, NY area, the agents with Zapp Insurance Agency can help.

Do I need recreational insurance for my fishing raft?

The question to consider when you’re thinking about buying insurance for a recreational ride, “Does it have a motor attached to it?”

If the answer is yes, the chances are that you are legally required to buy insurance for it. If the answer is no, then it comes down to personal choice. If it’s just a personal choice for you, then the main thing to consider is what it cost you.

If you’re fishing with a small inflatable boat with no trolling motor or anything, then you are not required to have insurance, but past a certain price point, it’s a bit foolish not to get covered. You might not need to worry about it if you bought the raft at some Ballston Spa, NY yard sale for fifty dollars, and for the cost of insurance payments, you could buy another boat for yourself. Some of these tiny fishing boats are something, rivaling wood and fiberglass boats, and climbing well past the $500 mark. If it would take you more than a week’s pay to buy a new one, you’re probably better off getting insurance.

Liability may be a concern, as well. It’s difficult to do much damage with a small fishing raft, but it’s entirely possible. If this is a concern, then you may want to factor that into your decision as well and give Zapp Insurance Agency a call.

Not everyone who owns a small fishing boat near Ballston Spa, NY needs to get it insured, but if you do, call Zapp Insurance Agency and see if we can get you covered. Our agents can walk you through the process of starting a policy.

Why Do I Need Boat Insurance?

There’s nothing quite as exciting as boating: hearing the lapping waves, feeling the wind in your hair, and the sun on your face. It’s therefore not surprising that according to the National Marine Manufacturers Association, 75 million people in the United States participate in recreational boating. Just as you protect your home and automobiles with insurance coverage, you need boat insurance in the event of damage or injury.

Does My Homeowners Policy Cover My Boat?

While most Ballston Spa, NY homeowners insurance policies cover boat damage, they have a limited dollar amount, and they don’t provide coverage for liability. To cover an expensive boat, pay for damage or injury to others, and provide medical payments you’ll need a separate Zapp Insurance Agency boat policy.

What Types of Boat Policies Are There?

In general, there are three types of boat insurance policies:

  • Actual cash value: This will pay to replace or repair your boat, less its depreciated value. For example, while you might have purchased your new boat in 2012 for $35,000, today it might only be worth $20,000. With an actual cash value policy, your insurance could pay up to $20,000 to replace or repair your boat.
  • Agreed amount value: This pays to replace or repair your boat up to your policy’s set value.
  • Replacement cost: This will pay to repair or replace your boat.

What Does Boat Insurance Cover?

Like your auto insurance policy, your boat insurance will typically include coverage for any property damage your boat causes to other boats, docks and piers, bodily injury to others, and liability such as damage caused by collision or running aground. Additionally, you can opt to buy comprehensive coverage for theft, personal property damage, vandalism, uninsured boater insurance, and roadside assistance in case your boat needs to be towed.

Understanding Your Boat Policy

Your boat insurance policy will likely have restrictions which can include:

  • Limits on your insurance coverage for ocean use
  • A layup period where coverage is suspended during months your boat is not in use
  • Restrictions on underage drivers

For more information about how boat insurance protects you and your Ballston Spa, NY assets, call your Zapp Insurance Agency agent today to discuss options and find the best policy for your needs.

Safety Tips For Your BBQ

Summer is here, and that means it is time for getting together with family and friends to cook out. However, there is a fine line between spending time together and an unfortunate incident happening. Our dedicated and knowledgeable Zapp Insurance Agency team in Ballston Spa, NY has put together this list of safety tips for your next backyard barbecue.

Tip #1: Keep Grills Away from Buildings, Landscaping, and Outdoor Furniture

Each year, thousands of house fires happen because a charcoal or gas grill was kept too close to a home or patio. Remember, ten feet away from structures is a rule of thumb when grilling. Furthermore, extend this guideline to include landscaping, such as trees, shrubs, and vines, plus any patio or outdoor furniture.

Tip #2: Keep a Fire Extinguisher Handy

Sometimes coals can get a little out of control, so it is always important to keep a fire extinguisher on hand during your backyard gathering. Also, if the extinguisher is a few years old, make sure it is charged and ready to go just in case you need it. Remember, being prepared is the easiest way to keep an unfortunate event from happening!

Tip #3: Never Leave a Grill Unattended

It may go without saying, but never leave a lit grill unattended. This event usually doesn’t happen intentionally but takes place when a homeowner gets to chatting with visitors or simply runs inside to grab something they need. Instead, always ensure there is a watchful eye to help prevent an incident from occurring.

Of course, having appropriate homeowner’s insurance coverage in case of a fire or injury to a guest is incredibly important. Contact our Zapp Insurance Agency team now for a no-obligation review of your Saratoga Springs, Clifton Park, or Ballston Spa, NY policy needs. We have a staff that is ready to answer your questions and address your concerns about home insurance.

What is Commercial Insurance?

Commercial insurance is necessary for all business owners to consider when they decide to operate a business. Whether they offer professional services or manufactured goods, there is a specific need to have insurance. It is important for the Ballston Spa, NY agents at Zapp Insurance Agency to present business owners with the proper amount of insurance for their company’s needs.

Requirements of New York State

In New York, you must have workers’ compensation and disability insurance if you have employees. You must also have commercial auto insurance if your business involves driving a vehicle. Your landlord, bank, or business investors may also require you to carry a certain amount of liability to protect yourself and their investment.

Types of Commercial Insurance Coverage

Property Insurance covers you in the event that your property is damaged by fire, theft, and other unexpected perils.

  • All-Risk Insurance – gives you coverage for everything, except what is listed in your insurance policy.
  • Named Peril Coverage – covers items that are destroyed by specifically named perils. For example, if your property is destroyed by fire and fire is named as a covered peril, then you would be covered.

Auto Insurance is for those employers who are delivery personnel. If a driver has an accident, commercial auto insurance could cover any injuries and damages.

When legal issues arise as a result of an accident, liability insurance could cover the medical costs and other expenses. If an employee has an accident while on the job, workers’ compensation could cover their lost wages and medical bills during their time out of work. Disability insurance is used if an employee becomes disabled because of a workplace injury.

In Ballston Spa, NY, the independent insurance agents at Zapp Insurance Agency can offer you a variety of options when it comes to commercial insurance. They can also help you with personal insurance needs and answer any questions you might have. Contact our office today!

Summer is Coming: Equip Your Teen Driver With Rules to Live By

Teen Drivers Usually Mean Well

The most important rule for your teen driver to live by is to try and understand physiology. You’ll hear them drag racing down your residential street. The car zipping by when you know they are going way too fast for their own good. Maybe even showing off for their friends.

Even with all this; teen drivers usually mean well.

They need to understand that it is the impetuousness of their youth that is the culprit. Their feeling of immortality that leads them to play chicken and never drive away from a challenge to race to the next red light. Hormones play a role, and the overall lack of life experience is a factor. This is why it is important to talk with your teen and let them know that some actions do have consequence.

Scare Tactics

Insurance rates are significantly more for teen and young adult drivers under the age of 25. There is a reason. Share the statistics with them. Share the photos of wrecks and the carnage that it causes. It is not easy to take your happy-go-lucky teen and give them a reality shot, but it is necessary.

Institute your own rules since you usually have the leverage of the gas and the auto to enforce your rules with no mercy.

It is our aim at Zapp Insurance Agency, LLC to support the education of teen drivers in their and their parent’s quest to have them be safer on the road. We serve the Ballston Spa, NY and surrounding areas with expertise and professionalism. Give the agents at Zapp Insurance Agency, LLC a call today to learn how your insurance policies can be an effective tool in keeping the roads safer for all drivers. For more information on auto insurance, please visit our office in Ballston Spa, NY or use our online rating tool to find quotes on your home and auto insurance.