Aceinsurance

You must have RV insurance coverage because it is the law and also because it will give you a peace of mind that your investment will be protected. RV insurance coverage is more comprehensive than regular automobile coverage because it also covers the specialized parts of a recreational vehicle. There are many different claims that RV owners may have to make over the life of their recreational vehicle, but here are some of the more common claims using RV insurance coverage:

Awnings and Slide outs-Because many people are not accustomed to driving with an extra half of a foot sticking out on the side of their vehicle, they sometimes misjudge clearance and hit obstacles. RV insurance coverage will help you to have the damage repaired. Another problem associated with awnings is weather damage. If it is extremely windy, you may want to put your awning in travel position. When it is raining, you should at least put one outer corner lower for the rain to run off. Never leave your awning out and unattended. Any time you put the awning in travel position make sure that it is securely fastened. These steps will help you to avoid having to utilize your RV insurance coverage.

Fires from Gas Leaks: Most RVs have at least some components such as the refrigerator, the water heater, etc. that run using a propane or LP tank. The most commonly reported claim is fires behind the refrigerator as the result of gas leaks. You can help to limit claims on your RV insurance coverage by getting your system checked at least once a year. Check for any leaks in the tank, in the gas lines, etc.

Tires: One thing that is a common claim on not only RV insurance coverage, but automobile coverage as well is blown out tires. In the best cases, you go veering off to the side of the road, but in the worst cases, it can be much more damaging and devastating. Check tires frequently for worn spots, brittleness, air pressure, and alignment and make sure to have them rotated.

Pests: One little known, but common cause of RV insurance claims is damage from pests like mice and squirrels. Seal up any holes that they might enter and clean out any food or crumbs before you put your RV in storage.

RV insurance is a valuable tool-but it is better not to need to use it.

We all have enough "In memory of" patches on our vest and do not wish to add any more. So here are 11 motorcycle riding tips to remind us of the things that can keep us in one piece and out of the hospital.

If you are a novice, sign up for and attend a Motorcycle Safety Foundation course. Not only will this course teach you lots of the things that will help keep you safe but your motorcycle insurance will probably be slightly lower as well and who doesn't want to save on insurance, especially when riding in states with Helmet Optional laws that require large bodily injury coverage to enjoy the right for those who ride to decide.

Remind yourself where your suicide or kill switch is located. This switch, if you realize you are going to have to drop the bike, can save you from having your own motorcycle run over you causing injury.

If you are just learning to ride and live in a highly populated area, have an experienced rider take you and your bike into an area with little or no traffic. A parking lot of a closed business works very well. Neighborhood streets can cause the residents to complain. Ride in this controlled environment until you feel completely in control of the vehicle. Learn how to stop and start easily and smoothly. Learn how long it takes to stop safely it isn't the same as stopping a car.

First-time street riders should choose a time of day when the traffic is at a low. Jumping into rush hour traffic can easily lead to an accident on your very first outing. Select a route that takes you into very low traffic zones such as through neighborhoods, scenic routes and avoid at all cost getting on a freeway until you gain quite a lot of experience.

Never, ever become aggressive toward a car or truck driver. Those cars win every single time in a road rage situation. They are bigger, heavier and have a lot more power. If someone tailgates you, tap your brake lights a few times and if they don't back off, change lanes or give them the road by pulling off to the side

We all know black is the only cool biker color, right? Well, if you are going to be riding at night in a poorly light area, it is much more important to be seen than to be cool, no matter what your friends say! Be sure your lights are bright and clean for maximum visibility but also consider placing reflective tape on the back of your helmet (if you use one) and maybe a glow in the dark patch on your back.

Never trust cages. Car drivers somehow, no matter how loud or how rowdy bikers can be, manage to simply not see us! The blind spot in most cars is sufficiently large for a motorcycle to be completely hidden from view. But other cage drivers simply don't seem to look for us. Unless, of course, they son, daughter, husband or wife happens to ride; unfortunately, we can't tell who those people are and have to be doubly aware of other vehicles than when driving a car.

Never assume that just because there is no turn signal on that car that it isn't going to turn right in front of you. No matter how many other drivers don't use turn signals, ALWAYS use yours and, if you have a passenger during daylight, hand signals can be an extra preventative measure.

You know those trucker bumper stickers that say "If you can't see my mirrors, I can't see you"? Well, use this same common sense when riding. If you can't see the driver's face in the rear view mirror of the vehicle in front of you, chances are they can't see you at all. Stay out of blind spots at all times.

Once you become an experienced rider, when riding on city streets, always allow room for other people's errors. An added safety tip is that you should remain aware of where you would choose to put the scoot down if the need arose. If you get in trouble and have any time at all, select where to lay the motorcycle instead of allowing traffic or the bike to determine that for you. If you can elect to place the bike on the ground, allowing it to move out from between your legs at low speed, you will experience much less road rash than allowing momentum to take you with the motorcycle.

Novice riders should never carry passengers. That comes later with more road experience. The movements of a rider can cause a situation where you can easily lose control, especially at very low speeds.

Above all, plan for safety so you will come home safely to ride again another day. Road rash and accidents costing hundreds of thousands in medical bills are all too common. Be defensive and be aware to avoid losing your bike or worse, your life.

Copyright 2006 Tyler Powers

When starting a home-based business there will be many things to consider, one of these considerations is making sure you have adequate insurance. This may not be the highest on your list of priorities; however it is something that cannot be ignored. If anything unexpected happened having suitable and sufficient insurance cover could be the difference between your business succeeding or failing. You may not require all types of insurance listed below; however they are something that should be considered.

Health insurance This should be your first consideration, health insurance is something we all need, especially if you are running a business from home. If you are too ill to work, you cannot earn.

Disability insurance If you become ill and are unable to continue working disability insurance will provide you with a small income until you have made a full recovery

Life insurance This speaks for itself, if you die unexpectantly your family will require financial support. Life insurance is also a requirement for some types of business loans.

Business property insurance This will protect you against loss of supplies or equipment, if your business suffers a loss due to a flood, fire or other disaster, this type of insurance will allow you to recoup any loss suffered.

Comprehensive general liability insurance This type of insurance is necessary if your home-based business plans to host clients or customers within the confines of your home. This could be in the form of a meeting or someone simply collecting or dropping off supplies. Having liability insurance will protect you if one of these visitors meets with an unexpected accident, whilst on your property.

Business interruption insurance This type of insurance will protect your business from natural disasters. It will also cover you for any loss of income during the disaster.

Workers' compensation insurance This insurance is vital if you plan to have employees working with your home. Compensation insurance will cover you for any medical expenses arising from any injuries an employee may sustain while working for you.

Taking out these policies will ensure you are fully prepared to face any eventuality that may occur while running a business from your own home. Accidents have a way of happening when least expected, however being fully prepared for them will reduce the chance of it adversely affecting your business financially.