What kind of coverage do I absolutely need for my motorcycle insurance policy?

This is a guest post from Renaissance Alliance member agency Encharter Insurance.

The weather is getting warmer and summer is finally here! If you own a motorcycle, summer is definitely your favorite time of year, your sunglasses on and the wind blowing through your hair on the open road. Before you hit the road however, you may be asking: what kind of coverage do I absolutely need for my motorcycle insurance policy?
The amount of coverage you are required to have varies by state, but a standard policy requires that you have at least property damage and bodily injury liability coverage. Typically, those two will cover you in the event of an at-fault accident. Comprehensive and collision coverage can usually help you replace or repair your bike in the event of an accident or a theft. Something like medical payments coverage may be worth asking your agent about–for motorcycles, there is typically no personal injury protection, so if someone doesn’t have health insurance, they would not have coverage for medical payments without medical payments coverage.
Motorcycle riders also often ask if they can only have coverage on the months when they drive their motorcycle. While this is an option, be aware that it could leave you unprotected against things like vandalism, theft, and fire during the uninsured time. Who knows, you might even be tempted to take the bike out on a warm, winter day and you wouldn’t want to be without coverage!
When making decisions about your insurance coverage, it is always best to talk with your agent. For more information about the right motorcycle coverage, or other insurance coverage, contact your agent.

Grill Safely This Summer!

While cooking out is arguable the most basic American rite of summer, it can be hazardous to your health and safety. Fires caused by grilling accidents cause about $70 million in damages each year nationwide and injure more than 7,000. How can you prevent you and your family becoming one of those statistics?
Good Morning America featured an eye-opening video and ten handy barbecue tips to help keep you and your family safe this summer – and still enjoying eating outside!
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The most important thing to remember is to keep your grill well away from other structures, such as your house or garage, that could ignite. Even though it’s convenient to be able to grill for your party guests right there on your deck or patio, it’s not a good idea. If there are going to be kids at your cookout, consider drawing a 10 foot circle in chalk around the grill and making it a strict no go zone for anyone under 12.
It’s smart to make sure your grill is always in the best possible shape. The US Consumer Product Safety Commission has a safety checklist for all grill owners, gas or charcoal, to make sure your grill isn’t posing any hidden dangers. The National Fire Protection Agency has two helpful, short videos on gas grill safety.
Once you’re sure your grill is in good working order and safely located away from the house, it’s time to think about what to serve. Keep cold foods cold and hot foods hot, and never use the same plate for raw and cooked meats as the US Health Department reminds us in this list of grilling food safety recommendations. Consider grilling more fruits and vegetables and less meats, because while you don’t have to give up burgers altogether, charred meat can be hazardous to your health. Precooking slightly can help, as can marinating, a tip that’s not only safer, but delicious.
In case you’re not scared enough already, here’s a safety tip you probably haven’t heard before. A Rhode Island hospital admitted six people last March with stomach perforations caused by wire brush bristles that were used to clean a gas grill. But don’t worry too much: this one is simple to fix. After you’ve scrubbed the grill clean with that wire brush, wipe it down again with a sponge, just to make sure.