Monthly Archives: September 2019

How to Get Ready for Winter with Your Boat

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Preparing your boat for the coming winter months can make a big difference in your bottom line – and how fast you get back in the water next year. There’s a lot that goes into winterizing your boat. Engine coolant, fuel lines, oil, and maintenance repairs are very important to address. If you’re not comfortable doing all the mechanical checks, your licensed marine tech at your Bethlehem, PA boat dealer can help. There are, however, some simple things you can do that are just as important for your boat. Here’s how you can get ready for winter.

Be Clean and Green

Once you haul your boat, clean off all algae, barnacles, and marine debris with a phosphate-free cleaner safe for marine environments. If you need to power wash your boat, have a large pad or tarp under it to catch paint chips or rust flakes. You can use it to catch oil drips too if you’re changing the oil yourself. Put the old oil in an enclosed container for your marine recycling center to dispose of properly. Treat the gasoline with fuel stabilizer and run the engine to work it through. Don’t forget to empty your sewage and plumbing compartments to prevent freeze damage. Propylene glycol is an ideal nontoxic antifreeze to fill the pipes.

Protect and Plan Ahead

Some boat owners shrink wrap their boats, while others store them in enclosed sheds. However you store it, always put the cover on. Make sure that air can get in to reduce mildew buildup. Remove the wheels to prevent rot and boat theft. Finally, it doesn’t hurt to review your boat insurance policy with an agency like Saucon Insurance Agency and update it as needed. That’s one less thing to worry about over the winter!

Winterizing your boat takes time and elbow grease, but is well worth it. And for all your Bethlehem, PA boat policy needs, you can count on Saucon Insurance Agency to help navigate the waters of insurance.

RV Insurance: How is That DIfferent From Auto insurance?

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Recreational vehicles are large vehicles that are driven for traveling or camping. Most Bethlehem, PA RVs and campers offer living space and basic amenities such as seating areas, sleeping areas, a kitchen, bathroom, and sometimes a shower. While they are usually used for traveling, some people live in or tour full-time in them. Since your RV is a motor vehicle similar to an automobile, you may be wondering what the difference is between insurance coverage for an RV and an auto insurance policy. Here’s the basic difference between your Saucon Insurance Agency RV insurance policy and your automobile policy. 

What’s the Difference Between Automobile Insurance and RV Insurance? 

Because your automobile and your recreational vehicle are both motor-driven vehicles, most insurance companies have no problem with issuing either a policy. Problems will occur, though, if you try to push your RV coverage into your auto policy – it can create gaps in your insurance coverage.

Having a specialized policy for your RV will help you fill in any coverage gaps in your protection, such as total loss replacement vs agreed value, emergency expenses you may incur while camping in Bethlehem, PA, full-timer liability, tow-truck coverage, and campsite liability. For example, if your RV is in a collision while driving, your RV insurance may cover the cost of housing and meals while getting repairs on the road, and travel costs to get back home, which your auto policy won’t cover.  Another difference between your RV policy and your automobile policy is that RV insurance coverage can be suspended if you place your RV is in storage, as there is likely to be an issue with having a collision – a cost-saving measure that makes financial sense for some RV owners. 

For more information about how RV insurance keeps your investment safe from financial risks in the event of loss due to an accident or theft, give the Saucon Insurance Agency a call today!