Choosing a Medicare Advantage plan is a big decision
New Medicare Advantage options are coming in 2024
Get our New to Medicare guide for information to help you choose the right plan
Understanding Medicare
Behind every member, every call, and every interaction is an individual with a unique need. We recognize this and respond with real understanding every time. We want to be your companion — in any way we can. We can help you understand the different parts of Medicare, the costs, enrollment period, and more.
What is Medicare?
Medicare is a federally managed health insurance program providing coverage for people 65 and older and those with qualifying disabilities.
How much does Medicare cost?
Medicare can cover a lot of health expenses! How much you pay depends on what kind of coverage you choose.
When should you enroll?
You should enroll in Medicare when you first become eligible: when you turn 65, when you retire, or due to a disability.
Medicare Advantage that goes the extra mile
Working at 65
and beyond
Are you or your spouse working at 65? There are a few things you should know.
Ten ways
to walk more
each day
Walking is one of the best ways to meet your exercise goals. It doesn’t require any special equipment, and nearly everyone can do it.
Know your
heart health
Heart tests can help you and your doctor better understand your risk for heart disease. Here are three tests you should know about.
Still Have Questions?
Boat and Motorcycle Insurance
Boat Insurance
While boat insurance isn’t mandatory in any state, it’s a wise decision to safeguard your investment against a range of potential risks, including storms, accidents, passenger injuries, rough seas, hypothermia, and more. The next step is determining the amount and type of insurance that suits your needs and preferences.
Similar to car insurance, full coverage boat insurance provides comprehensive protection, encompassing a wide range of scenarios such as theft, fire, accidents, and natural disasters. This type of insurance is designed to offer peace of mind by addressing a broad spectrum of potential risks to your boat.
When considering boat insurance, it’s essential to assess your unique situation, including the value of your boat, how and where you use it, and your risk tolerance. Your insurance agent can help you tailor a policy that provides the appropriate level of coverage to meet your specific needs while considering your budgetary constraints. Ultimately, boat insurance serves as a valuable safety net for boat owners, ensuring financial protection and tranquility while enjoying your time on the water.
If you have the financial means to handle unforeseen expenses or if your goal is to maintain lower insurance premiums, liability boat insurance is an option to explore. This type of insurance covers the costs associated with damages to other individuals or their property, but it does not extend coverage to your own boat’s damages. It’s worth noting that full coverage boat insurance may be mandatory if you are still in the process of financing your boat, much like the requirement for cars.
When deciding between liability and full coverage boat insurance, consider the following factors:
Boat Value: Assess the value of your boat. More valuable boats often warrant comprehensive coverage to protect your significant investment.
Boating Risks: Evaluate the level of risk you encounter while boating. If you frequently navigate in challenging conditions or engage in activities that pose higher risks, such as water sports, comprehensive coverage may be advisable.
Boating Location: Consider where you predominantly use your boat. Certain regions may have increased risks, like hurricane-prone areas, which could necessitate more extensive coverage.
Budget: Determine how much you can afford in terms of insurance premiums. Balancing coverage with your budget is crucial to ensure that you’re adequately protected without straining your finances.
Repair Costs: Contemplate how much of the repair or replacement costs you can comfortably cover in case of an accident. Your insurance coverage should provide financial relief when you need it most.
It’s essential to strike a balance between protection and affordability, aligning your insurance choice with your specific circumstances. Additionally, remember that your boat’s value, the risks you face, your boating location, your budget, and your willingness to assume costs play significant roles in making the right decision regarding boat insurance. Consulting with an insurance professional can provide valuable guidance tailored to your unique situation.
he possibility that you could be sued if others suffer as a result of a boating accident.
Motorcycle Insurance
Motorcycle insurance is not optional; it’s a requirement for legally operating your bike on the road. Just like car insurance, you must have at least liability coverage. However, there are additional optional coverages you may consider adding to your policy for enhanced protection. Here are brief descriptions of the various coverage options for your motorcycle:
Liability Insurance:
Indeed, liability coverage in motorcycle insurance is designed to cover any damage or injury you may be held responsible for causing to property or other individuals in the event you are deemed at fault in an accident or collision. It’s crucial for meeting legal requirements and protecting your financial interests. However, it’s important to note that liability coverage does not extend to covering you or your motorcycle. Some policies may include coverage for a guest passenger, but this can vary among insurers, so it’s essential to review your policy to understand what is included and what is not. If you want coverage for your own injuries and motorcycle damage, you may need to consider additional optional coverages like collision and comprehensive insurance.
Collision Insurance:
Collision insurance is a valuable addition to your motorcycle insurance policy if you want to ensure comprehensive coverage for your bike. It provides financial protection for your motorcycle in the event of damage, regardless of whether the damage is your fault. Here are some key points to consider:
Comprehensive Coverage:
Comprehensive coverage in motorcycle insurance is designed to safeguard your bike from a range of non-accident-related perils, which can include:
You may also call 8643962681 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
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