This time of year, many recent high school graduates are preparing for their next phase of life. Their plans may include heading off to college in another city or state. One of the most important things they will need at school is something that doesn’t have to be packed at all – the right insurance coverage. Here is a list of some of the items you should consider before your child heads off to the University.
Insurance Coverage for College Students
Personal property - Depending on the value, items like clothes and computers should be covered under your homeowner’s policy. However, if your student has an expensive computer, smartphone, tablet, jewelry, or other items, you might not be covered. Most homeowner’s policies have limitations on items valued at over $1,200. Coverage will depend on your individual policy, so we recommend contacting your independent agent.
Auto – If your student is taking a car to college, make sure your agent knows of the address change. We might actually save you money depending on the location. As a full-time student, your child may qualify for a Good Student Discount (if he maintains a grade point average of 3.0 or higher).
Health insurance - Children can remain on your health policy until the age of 26. Many colleges will offer student health insurance at a very reasonable cost.
Personal Liability - This coverage is provided anywhere the student goes, inside the U.S.A. Your student might be covered under your current homeowner’s policy, or even a renter’s policy, if one is in place.
Had it with the “rat race”? Got time off but not much cash to spend? Are you losing touch with your family? It sounds like an old-fashioned campout is just what you need.
Camping is a great way to enjoy the outdoors and spend time getting reacquainted with your family. Great family camping getaways are easy to plan and inexpensive vacation options. Nature is everywhere, so you don’t need to travel far for your camping trip. You can journey to a national park, drive to a local campground, or pitch a tent in your backyard.
Camping 101 begins with the planning. This part of the trip is half the fun. Call a family meeting to decide where you’d like to go. Depending on your budget, you can plan to load up the trunk with tents and sleeping bags, pull a camper, or drive an RV. The point is to treat your family to an unforgettable outdoor adventure, so it doesn’t matter how you plan to camp or where you intend to go.
If you are new to the camping experience, it’s probably a good idea to start out slow. Book a weekend campsite to get a feel for the camping lifestyle. Get used to cooking over a wood fire and sharing your space with wildlife, before you venture too far away from the comforts of home. Many campgrounds provide fun activities like pools, playgrounds, fishing or recreational boating, so check your local listings to see what adventures lie ahead.
Once your kids (and you) recover from the shock of having no television or Internet access, you’ll all have an eye-opening experience. You’ll realize nature is fun. Camping opens the doors to a world of new activities, like swimming, rock diving, boating, fishing, hiking, catching butterflies, searching for fossils, and going wherever your energy level and imagination can take you. Campgrounds and remote parks are all filled with wonderful ways to enjoy the best nature has to offer. If you want to boat or water ski, many campsites offer these and other items for rent.
Don’t expect to bring along your everyday dinnerware and automatic coffeepot for your campout. Remember, you will be roughing it, so pack accordingly. Bring plastic dishes and cutlery that can be washed and reused, but won’t break in transit. Make sure you have enough sleeping bags, pillows, and extra clothes. Pack the food you’ll need, plus a little extra, and keep a supply of ice on hand for perishables like meat and dairy. If you’re bringing tins of beans, remember a manual can opener or pack your Swiss army knife. If you’re not sure what to bring, ask an associate at your local sporting store to help you choose your camping needs. Call on friends who like to camp, and ask them for advice
Just like your old scoutmaster used to say, “Always be prepared”. Make a list and check it three times before you leave on your camping trip. Make sure that there is enough food and freshwater for everyone. Bring food that can be easily prepared on your campsite. Pack clothing for all kinds of weather. Don’t forget, sunscreen, bug spray, and hygiene items. Toilet paper and paper towels are absolute necessities. Bring along some soap and toothpaste, but leave the hair gel and makeup at home. Mother Nature doesn’t care what you look like. She just wants you to enjoy your stay.
Don't forget to call us to add towing to your car if it is out of warrenty at 218-430-0400. If you tow a trailer or carry a camper be sure you have full coverage on it before you head out.
All of us at Wadena Insurance, a Strong Company hope you have a lot of fun should you take a trip!
You make decisions every day that can come back to bite you. You may not think so, but in this day of litigiousness, your business may be at risk. One way to manage your risk is to consider management liability insurance. Professional liability, insurance is not just good business; it is as necessary as heat and lighting for your office. Statutes, federal, and state laws change on a regular basis, so it is vital that your company protect its assets with professional liability insurance.
If you perform any of these services, you may need professional liability insurance
Provide any construction management
Provide advice to clients
Perform professional services
Advise client on how to save money
Provide advice on how to install equipment
Recommend any building code changes
Industries that typically need Professional Liability Insurance
Real estate professionals
The best thing you can do is call our office and have us provide you with a risk review, including coverage options. Once you have had a chance to review coverage and pricing, then you can make an informed decision.
Fireworks during the Fourth of July are as American as apple pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts:
In 2018 over 9,800 people went to the emergency room as a result of fireworks related injuries. There were an estimated 15,700 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $32 million in direct property damage. This is why it is a good idea to have a free home insurance review and quote, call us today!
Fireworks Safety Tips
Buy fireworks only from licensed vendors
Never combine fireworks
Obey all local laws
Never have any portion of your body directly over a firework while lighting
Never relight a firework
Don’t smoke or drink while lighting fireworks
Soak used fireworks in water before placing in trash
Make sure there is parental supervision
Never experiment with homemade fireworks
Use fireworks outdoors, in a safe area away from dry grass and buildings
Keep a fire extinguisher, a bucket of water, wet towels and a garden hose nearby
Light one firework at a time - then move back quickly!
Never shoot fireworks from metal or glass containers
Never carry fireworks in your pocket
Never point or throw fireworks at people or animals
Clean up all used fireworks including debris
“Fireworks and celebrations go together, especially during the Fourth of July and year end celebrations. Remember, fireworks can be dangerous, causing serious burn and eye injuries. You can help us prevent fireworks-related injuries and deaths” Consumer Products Safety Commission.
Enjoy the holiday; we live in a great country, happy birthday America!
Protect what matters most to you with Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Wadena.
If you're lucky enough to have a lawn with a good topsoil base, much of the hard work of keeping a lawn beautiful is already done for you. But many of us do not have this luxury, and besides, even with a good topsoil base, you still have to work hard to keep a beautiful lawn and garden.
1. The best time to mow a lawn is when it is cool and dry. Wait for the morning due to dry off, and before the afternoon heat takes hold. Alternatively, late afternoon or early evening following a watering in the morning is also a good time.
2. A hedge is a much better boundary divider than a fence. It will provide better privacy and keep pets and children in or out. It will attract birds to its shelter, and provide an excellent backdrop for plants and flowers.
3. Bring the beauty of your garden to you; plant hyacinths near walkways and doors. Their magnificent perfume will swamp the spring air and make your garden really come alive.
4. Add your garden to non-garden items, such a lamp post, and mailboxes. Surround these items with flowers planted to take advantage of the earliest to the latest flowerings. You could have white snowdrops, purple and gold crocus, blue hyacinths, and various colored tulips. You could also surround the posts with rocks to provide added interest.
5. Simple, but effective weed control can be achieved on your lawn by often mowing during spring. This will prevent dandelions spreading by eliminating the yellow blossoms and preventing seed formation. Mow high during late spring and early summer. This will allow grass blades to shade the ground and will help prevent crabgrass from sprouting.
Your lawn and garden should be a source of pride and beauty. You don't need to spend lots of money on expensive fertilizers and herbicides, or fancy lawn furniture and ornaments. A little common sense and thought can go a long way to making your lawn and garden a much better place.
As always, all of us at Wadena Insurance, a Strong Company thank you for your continuing business and please consider referring us to your family and friends!