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The Washwick Agency

2212 Main St
Bethlehem, NH 03574

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Riverhead, NY 11901

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Tag: The Washwick Agency

Can You Get RV Insurance for Your Jet Ski?

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When you think of a recreational vehicle, you might extend the definition of recreation to anything that isn’t a standard sedan. However, there are rules for RV insurance that you should know about if you live in Bethlehem, NH. The Washwick Agency can tell you more about what you can insure under this policy and when you’ll need to consider additional types of coverage. 

Jet Skis and RV Insurance 

If you’re getting RV insurance, it’s typically for a vehicle that contains living quarters, basically a motorhome or a trailer home. A jet ski would be covered under boat/watercraft insurance. (Under this same principle, not even an ATV would be covered by RV insurance.) While there may be some exceptions in some corners of the world, it’s important to know how insurance companies generally define different assets, so you can get the best coverage. 

How To Find the Right Insurance 

When general terms like recreation do little to tell you about what the insurance sector does, it can help to talk to an expert about what you want to cover and how much coverage you need based on your habits, lifestyle, and general expectations for when certain events occur. Whether you need insurance now or you’re casually shopping for a jet ski or motorhome, the team at The Washwick Agency can help you sort through your questions. 

Here, we know how to extend your coverage so you’re protected from everything, from theft to breakdowns. Contact us to learn more about boat/watercraft insurance and other policies, and how you can structure them so you’re only paying for the terms and conditions you care about. We’re currently serving Bethlehem, NH.

Does Motorcycle Insurance Coverage Protect Against Passenger Lawsuits?

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For riders in New Hampshire, motorcycles represent freedom, whether it’s a quiet solo ride along the lakes or a group cruise down the highway with fellow enthusiasts. Often, riders bring along a loved one, such as a long-time spouse, a special friend, or a buddy eager to experience life on the road. A common question arises: does motorcycle insurance through The Washwick Agency, serving Bethlehem, NH, protect against lawsuits if a passenger is injured in an accident?

Liability Coverage for Passengers

Most motorcycle insurance policies include bodily injury liability coverage, which applies to anyone injured in an accident, including passengers and the motorcycle’s operator. If your passenger files a lawsuit after being hurt, this coverage typically helps pay for medical expenses, legal defense costs, and settlements, up to the policy limits. Without this protection, you could face significant out-of-pocket expenses.

Medical Payments Coverage

Many policies also offer medical payments coverage, which helps pay for your passenger’s medical bills regardless of who is at fault. While this coverage doesn’t replace liability protection, it can ease immediate financial burdens and help maintain goodwill between the rider and passenger after an accident.

Riding Solo Versus Riding in Groups

Accidents can happen in any setting, whether in heavy traffic or during group rides. Even in group rides, a sudden stop or unexpected hazard can trigger a chain reaction, leaving riders and passengers vulnerable to injury. The type of motorcycle you ride, whether it’s a Harley, sport bike, or cruiser, doesn’t change the importance of having adequate coverage when someone else is riding with you.

With the right motorcycle insurance through The Washwick Agency, serving Bethlehem, NH, you can ride confidently, knowing you’ve taken steps to protect yourself and your passengers. Contact your insurance representative today to learn more about securing comprehensive motorcycle coverage.

Unique Types of Watercraft to Consider Insuring

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When most people think about boat insurance, they picture speedboats, sailboats, or perhaps a fishing vessel. However, the world of watercraft is vast, and if you own something unique, you might wonder if it qualifies for insurance. At The Washwick Agency, serving Bethlehem, NH, we’ve seen it all, and yes, many unique watercraft can and should be insured.

Personal Watercraft Are Just the Beginning

Jet Skis and WaveRunners are among the most popular personal watercraft, and they absolutely need insurance. These vessels are fast, agile, and often used in crowded waters, which increases the risk of accidents. But they’re just the tip of the iceberg when it comes to insurable watercraft.

Houseboats Deserve Full Protection

If your boat doubles as a home, it’s more than just a weekend toy. Houseboats have unique insurance needs because they combine elements of homeowners and watercraft policies. From onboard appliances to liability for guests, a customized policy is essential if you’re living the floating life.

Kayaks, Canoes, and Paddleboards

You might not think about insuring your kayak or paddleboard, but if they’re high-end or used frequently, it’s worth considering. These smaller vessels can be damaged, lost, or even stolen. If you’re using them in busy waterways, liability coverage can also be a smart addition.

Even Sailboats and Pontoon Boats Need Coverage

Sailboats and pontoon boats may seem low-risk, but they’re still an investment. Whether you’re leisurely cruising on a lake or navigating coastal waters, having the right policy ensures your vessel is protected.

Let’s Talk About Your Watercraft

No matter what you’re floating on, make sure it’s protected. The Washwick Agency, serving Bethlehem, NH, is here to help you find insurance that fits your watercraft and lifestyle. Contact us today and sail with confidence.

How to Get More Liability Coverage With Umbrella Insurance

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If you already have home and auto insurance but want additional protection, umbrella insurance is the next step. This type of insurance offers robust financial protection in the event of an accident and operates differently from standard policies. If you need more liability coverage—and most people do—umbrella insurance offers the extra protection you need. To get started with umbrella insurance, contact The Washwick Agency in Bethlehem, NH today.

Enhanced Liability Coverage

Your home and auto insurance policies include liability coverage, but the limits are often insufficient to cover the costs of a major accident. If an expensive accident occurs, you could be left with bills that exceed your policy limits, putting you in a difficult financial situation. Umbrella insurance provides an additional layer of liability coverage, offering substantial protection beyond what your existing policies provide. With an umbrella policy, you can safeguard yourself against significant financial risks.

Covering Overages

When your home or auto insurance policy reaches its maximum payout for liability, any remaining expenses become your responsibility—unless you have umbrella insurance. Umbrella insurance acts as secondary coverage, stepping in to pay the overages that your primary policy cannot cover. This additional protection can prevent serious financial hardship after a major accident.

Secure Your Umbrella Insurance Today

Relying solely on the liability coverage included in your current policies may leave you vulnerable. To ensure better protection, consider an umbrella policy. Contact The Washwick Agency in Bethlehem, NH today to learn more and get started.

A Young Adult’s Guide to Choosing the Right Health Insurance Coverage

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Health insurance is rarely static throughout your life. Young adults often struggle to recognize how their medical needs will evolve as they age. The Washwick Agency in Bethlehem, NH, is dedicated to educating young adults about the importance of healthcare. Their team provides personalized assistance to help young adults select health insurance coverage that adapts to life’s changes.

Evaluate Your Health Condition

Before choosing a health insurance plan, it’s essential to assess your current health status. Schedule a physical exam to determine whether you are healthy, have a pre-existing condition, or are in the early stages of a chronic illness. The latter two scenarios may require ongoing medical care, which should be factored into your insurance decision.

Understanding Your Insurance Options

Navigating the insurance marketplace can be overwhelming for young adults. Many in this age group may feel that health insurance is not a priority. However, it’s crucial to research all available provider networks before selecting a plan to ensure you make an informed decision.

Choose a Provider Network

Before committing to a health insurance plan, verify whether your physician is part of the provider network you’re considering. Additionally, confirm that your preferred hospital and other medical facilities are included in the network.

Two popular provider network options are Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). HMOs require you to use doctors within the network and obtain a referral from your primary care physician to see specialists outside the network. PPOs, on the other hand, offer more flexibility in choosing a primary care physician and accessing specialists.

Health insurance can be a challenging decision for young adults: How much coverage is enough? If you have questions, contact The Washwick Agency in Bethlehem, NH. Our knowledgeable staff can help create a policy tailored to your insurance needs. Call us today to schedule an appointment.

Life insurance for every season of your life

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Life insurance isn’t a one-time purchase but a policy that should adapt to your changing needs throughout your life. At The Washwick Agency in Bethlehem, NH, we strive to ensure that your life insurance policy keeps pace with the stages of your life. As independent insurance agents, our primary responsibility is to you, and we provide personalized service tailored to your needs.

Young Adult

This is the stage of life when life insurance is most affordable. However, it’s also when you might feel you need it the least. It’s a dilemma: to buy or not to buy. Investing in whole-life coverage is a way to start your financial planning. It allows you to accumulate cash value while also providing a death benefit.

Marriage

This may be the first time in your life that someone else may be somewhat dependent on you. Your spouse is likely employed, and they don’t necessarily rely on you for their entire support. However, if you have a mortgage, it might be too burdensome for just one income.

Parenthood

Having children is one of the most transformative stages of your life. They are a responsibility that begins at birth and continues for many years. You need to have enough life insurance to allow your children to stay in the home they love. You need to calculate how many years you will need to provide for.

Retirement

By the time you reach retirement age, you will likely need less coverage for dependents since they are probably grown and independent. Your insurance agent can provide the information you need to decide the amount of coverage you need.

Contact us at Washwick Agency in Bethlehem, NH, to discuss any life insurance needs you may have.

When Is It Time to Consider Medicare Insurance?

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Insurance and health often go hand in hand, regardless of age. From our first pediatrician visits to the times when our health isn’t what it once was, healthcare can significantly impact our comfort and happiness. That’s why many older adults in the Bethlehem, NH area trust the friendly team at The Washwick Agency for their health and Medicare insurance needs.

When Is It Time to Consider Medicare Insurance?

Throughout our lives, our healthcare needs and the providers we use change. As children, we visit pediatricians. As adults, we typically see family doctors. As we age, we may see geriatric specialists who specialize in working with older adults. Similarly, our healthcare insurance often aligns with our life stages. For many older adults, this means considering Medicare insurance options. Medicare insurance is generally designed for people aged 65 and older. It’s a good idea to discuss this with your local agent before reaching this age – it’s never too early to plan ahead.

Medicare Insurance Options for Bethlehem, NH Residents

If you live in or around the Bethlehem, NH area and would like to learn more about Medicare insurance or how to get coverage, we can help. Contact us to find out more and schedule an appointment with our professional and helpful team at The Washwick Agency today. We can provide the Medicare insurance solutions you need and deserve to make the most of every day.

Are There Different Types of RV Policies According to Vehicle Size?

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You’ve just bought a brand-new recreational vehicle, but how do you insure it? You’re aware that you need a policy specifically designed for them. However, understanding what qualifies as a recreational vehicle can be perplexing. Determining whether your off-road toy is classified as an RV will guide you to the appropriate insurance in Bethlehem, NH. The Washwick Agency can help you find the right policy to safeguard your investment.

Defining a Recreational Vehicle

The definition varies depending on who you ask. Technically, an RV is a motor vehicle or trailer designed for temporary living quarters. However, most insurers adopt a much broader definition. Motor homes, travel trailers, and fifth wheels are just one type of RV. Many smaller vehicles also qualify. These include:

  • All-terrain vehicles
  • Snowmobiles
  • Motorized dirt bikes
  • Mini-bikes
  • Trail-bikes
  • Off-road vehicles
  • Various personal watercraft, including jet skis

Varieties of Recreational Vehicle Insurance

A traditional RV policy will protect your investment for motor homes, camper vans, and similar vehicles. Insurers tailor your policy according to your vehicle type. For instance, Class A, B, and C motor homes have different sizes, so liability limits vary. As fifth wheels, truck campers, and travel trailers are towed by another vehicle, insurance policies generally only cover physical damage and may not include liability provisions. If you rent your RV to others, you’ll need special coverage.

Smaller and personal vehicles cannot be added to an RV policy. Snowmobiles, all-terrain vehicles, dirt bikes, and similar vehicles require dedicated policies due to the inherent risks involved in operating them. These policies typically include liability, comprehensive, and collision provisions.

If you need to insure a large RV along with a personal recreational vehicle, The Washwick Agency, serving Bethlehem, NH, can assist you. Please get in touch with our office today to schedule an appointment.

How Does Motorcycle Insurance Differ From Automobile Insurance?

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If you’re a motorcycle rider, you’re likely aware that hitting the open road on two wheels is a vastly different experience than driving a car. However, when it comes to insurance, the differences extend beyond just the type of vehicle. At The Washwick Agency, serving the communities in and around the Bethlehem, NH region, we help riders understand how motorcycle insurance differs from standard automobile coverage, ensuring they stay protected.

Unique Risks and Coverage Needs

Motorcycles inherently carry a higher level of risk compared to cars. Riders are more exposed to the elements, and accidents often result in more severe injuries. As a result, motorcycle insurance policies typically include coverage for medical payments and personal injury protection, which can help with medical bills regardless of who is at fault.

Customization and Accessory Coverage

Unlike cars, motorcycles are often customized with aftermarket parts, upgraded exhaust systems, and specialized gear. Standard auto insurance won’t cover these modifications, but motorcycle insurance can include accessory coverage to protect your custom work. Helmets and riding gear may also be covered under certain policies.

Seasonal Insurance Considerations

Many riders only use their motorcycles during warmer months, which means insurance can be tailored to seasonal use. Some policies offer lay-up periods, allowing you to maintain comprehensive coverage while pausing collision coverage when the bike is in storage. This is a unique option that car insurance doesn’t typically offer.

Understanding the differences between motorcycle and automobile insurance ensures you have the proper protection on the road. The Washwick Agency, providing motorcycle insurance to residents in the greater Bethlehem, NH area, can help you find a motorcycle insurance policy that fits your riding lifestyle. Contact us today to get started!

Boat Insurance – Review and Modify Your Existing Policy

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Refurbishing your boat or adding new accessories may require modifications to your boat insurance policy. Whether your boat is actively used or dry-docked on land, it is crucial to understand how increased coverage will protect you.

The Refurbishment Process

A boat refurbishment project can increase the overall value of your watercraft. Once the refurbishment is complete, your current boat insurance policy may not offer the level of protection needed. Before your boat is upgraded, obtain an estimate for the upgrades. Consider the value of the upgrades and then compare boat insurance products that provide protection for each upgrade.

New Boat Accessories

New accessories can enhance your boat’s safety and functionality. Whenever new accessories are installed in a watercraft, the overall use value of a boat changes. Consider the type of accessories you will be investing in and how often you will be using them. Then, review boat insurance products designed to provide the level of protection you need. New lights, navigational aids, deck trim, and other boat accessories can make your boat much more user-friendly.

You can choose which items to insure and how much coverage to provide for each accessory. If some items are only used occasionally, you may decide you don’t need to insure them throughout the year. You can choose temporary insurance coverage for them.

Contact An Insurance Agent in Bethlehem, NH

Contact one of our insurance representatives at The Washwick Agency. An agent will consult with you first. Then, they will review and modify your existing boat insurance policy.

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