Personal Insurance Archives - Citizens Insurance Agency

Winter Recreational Vehicles – Do You Have The Proper Insurance Coverage?

Posted by Citizens Insurance Agency on December 12, 2018

Temperatures have dropped and snow has fallen. With that comes the opportunity to use your winter recreational vehicles. Make sure you have proper insurance coverage, so no matter what happens you’re covered.

Winter Recreational Vehicles

You might enjoy riding your snowmobile or take your ATV out on the trails. Don’t forget about your fish house. If you are heading out ice fishing you’ll want to make sure your fish house is on your insurance policy. These are some of the most common winter recreational vehicles that we see people insure.

Should I Continue Coverage on Summer Recreational Vehicles?

Another question we get from people is whether they should continue to have insurance coverage on things they only use in the warmer summer months. They put their boat and motorcycle in storage, so they won’t be used – can’t they temporarily drop the insurance coverage and save some money? There are a few reasons you won’t want to do that:

They still face risk – theft, fire, damage
Some policies are 12-month policies that take into account that you probably won’t be using a boat (or other seasonal item) in winter.
What if we get an unseasonably warm winter, the snow melts and you want to take your motorcycle out for a ride, but you don’t have insurance coverage?

What kind of coverage do you have on your recreational vehicles? Check with your insurance agent to make sure you have the right policy. Each company and policy offers different coverage. Enjoy the winter and make sure you have the right insurance for piece of mind!

Contact Your Citizens Insurance Agent Today!

Hunting Safety Tips and Insurance Considerations

Posted by Citizens Insurance Agency on November 5, 2018

As the deer hunting season kicks off there are many things to consider. We think about safety and insurance coverage. Many have heard hunting safety tips often, but we’ll share a reminder. Maybe you’ll think about something in a new way. Also, it is a good time to check over some insurance coverage to make sure your items are covered.

Hunting Safety Tips

The Minnesota Department of Natural Resources provides hunting safety tips that all hunters should consider. You’re welcome to read the information they provide and check out their resources. We’re going to highlight a few items that stand out to us.

Take a hunting safety class – firearms safety is a popular choice.
Be familiar with your surroundings. Know the land you’re hunting on or have a map and review it prior to hunting.
Carry a basic first aid kit and survival items.
Let someone know where you are going and when you’ll return.
Carry a compass and know how to use it in case you get disoriented.
If you are using an elevated hunting stand check to make sure it is secure and stable. Use a fall restraint device.
Pat attention to your surroundings and the people around you.
Be care and enjoy your hunting experience.

Insurance Coverage Considerations

Hunters can spend lots of money on hunting equipment like guns, bow and arrows and more. Do you have your hunting equipment listed on your homeowner’s policy? Would you want them replaced if they were damaged or stolen? Check with your insurance agent today to make sure you have the right coverage before you head out to hunt.

Contact Citizen’s Insurance

Summer Safety Tips

Posted by Citizens Insurance Agency on July 11, 2018

Summer is well underway and with it comes many adventures, outdoor activities and celebrations. Everyone wants to enjoy their summer, not spend time and money dealing with consequences from adventures gone wrong. While you’re out enjoying the weather keep the following summer safety tips in mind.

Water Safety & Boating – Summer in Minnesota is often spent in or near the water. Wear your life jacket when riding in a boat, kayak, canoe, etc. You never know when the unexpected could happen. Check with your Insurance Agent to verify that you have adequate medical payment coverage on your boat insurance policy. Make sure your comfortable in the water and have proper swimming skills. Watch small children – they often love the water, but don’t know of potential dangers.
Bicycling – Both bicyclists and motorists need to stay aware of their surroundings. Riding on the roadside and even a trail can present dangers. Always wear a helmet, and have proper lights if you ride at night.
Heat – When the temperature rises it is important to always drink plenty of water and take breaks as needed. It is easy to get overheated. Also, pay close attention to young children and the elderly. Check on them often in excessive heat. Here are some symptoms of heat-related illnesses.
Fireworks – The Fourth of July just passed, but many celebrations still involve fireworks at other times. Always use precautions when lighting small or large fireworks. Stay away from structures, people and always keep safety in mind.
Campfires – Many summer nights are spent around campfires. Keep your distance from the fire and watch children closely. Smokey Bear shares his campfire rules – great rules to follow!
Driving – Watch out for pedestrians, bicyclists, boats, campers and many people out enjoying the summer. Stay aware. Don’t be a distracted driver.

These tips may not be new to you, but a reminder can be helpful. Avoid accidents, trips to the emergency room, and insurance claims by being safe.

Looking for insurance coverage? Check out what we have to offer.

Personal Insurance Information

Winter Recreational Vehicles

Should I Continue Coverage on Summer Recreational Vehicles?

Hunting Safety Tips

Insurance Coverage Considerations

Contact

Hours