Summer sun is on its way, and while we welcome the warmer weather, it’s important to remember that our pets can feel the heat even more intensely than we do. Here are some crucial tips to keep your furry companions cool and safe during the hot summer months:
Hydration and Shade
Always Provide Fresh Water: Ensure your pets have access to fresh, cool water at all times. Dehydration can happen quickly, especially in the heat.
Create Shaded Areas: Whether they’re outside in the yard or on a walk, provide shaded areas where they can escape the direct sun. Indoors, consider using fans or air conditioning to keep them cool.
Avoid Peak Heat Hours
Walk Pets Early or Late: Walk your dogs early in the morning or late in the evening when temperatures are lower. This reduces the risk of heatstroke and burnt paws.
Limit Exercise: On extremely hot days, reduce your pet’s exercise to avoid overheating. Shorter, more frequent walks can be safer than long outings.
Pavement Safety
Test the Pavement: You can also test the pavement with your bare hand if it’s too hot for you, it’s too hot for your pet’s paws. Consider dog boots for extra protection. This simple test can help prevent painful burns and blisters on your pet’s feet.
Walk on Grass: Whenever possible, walk your dog on grass or dirt instead of asphalt or concrete. Grass stays cooler and is gentler on their paws.
Signs of Heatstroke
Know the Symptoms: Heatstroke can be fatal, so it’s crucial to recognize the signs. Symptoms include excessive panting, drooling, lethargy, confusion, vomiting, and collapse. If you suspect heatstroke, move your pet to a cool place, offer water, and contact your veterinarian immediately.
Cool Off Strategies
Cool Baths and Towels: Offer cool (not cold) baths and use wet towels to help lower your pet’s body temperature. Ice packs wrapped in towels can also be used, but avoid direct application to prevent shock.
Frozen Treats: Provide frozen pet-safe treats to help them cool down from the inside out. Simple options include frozen fruit pieces or ice cubes made from diluted broth.
By following these tips, you can help your pets stay safe and enjoy the summer months without the risk of heat-related illnesses. Always pay attention to their behavior and adjust their care as needed based on the temperature and their individual needs.
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It’s that time of year again when the back-to-school rush fills the air with excitement and a touch of trepidation. Whether your child is heading off to elementary, middle, high school, or even college, it’s crucial to take a moment to review your insurance policies. This proactive step will not only give you peace of mind but also help safeguard your family’s financial well-being. At Steele Group Insurance Agency, Inc., we understand the importance of proper insurance coverage. Here are some valuable insurance tips to make your back-to-school season as smooth as possible.
Homeowners Insurance
If your student is moving into a college dorm room, you’ll be pleased to know that your homeowners’ policy will likely cover their personal property in case of loss. However, there are a few things to keep in mind. Ask your child to notify you if they purchase any high-value items, like a new computer, and ensure they keep the receipts. It’s also a good idea to check with your insurance agent or company to confirm that these items are adequately covered.
For students living off-campus, renters’ insurance is a wise consideration. This coverage not only protects their personal belongings but also provides liability coverage in case of injuries on the property. Renters insurance premiums are typically reasonable, with costs varying depending on factors such as location, rental unit size, and the value of possessions. Encourage your child to create a home inventory list; this will significantly expedite the claims process in case of any unfortunate events.
Auto Insurance
In Oregon, it’s mandatory for every vehicle on the road to have auto liability coverage. Auto liability insurance covers property damage and bodily injury to others if you’re found responsible for an accident, up to the policy’s limits. When it comes to auto insurance for college students, consider the following:
- If the vehicle is in your student’s name, they should have their own auto insurance policy.
- If your college student is driving a vehicle registered in your name, they can likely remain on your policy and be listed as a driver.
- Notify your insurance agent or company of the vehicle’s storage location if it differs from what’s listed on your policy.
Health Insurance
Health insurance is another crucial consideration for college students. Here’s what you need to know:
- If your children are currently covered under your health insurance plan, they will continue to be covered while at school. Most insurance plans offering dependent coverage extend this benefit until the dependent turns 26.
- If you have a health maintenance organization (HMO) plan, your child might need to return to your home area for routine care, with emergency care only available while at school.
- Many colleges and universities offer their own student health insurance plans. These plans vary in terms of premiums and features. To explore your options, contact your student’s school health center.
In conclusion, a little preparation in terms of insurance can go a long way in ensuring your child’s back-to-school experience is worry-free. At Steele Group Insurance Agency, Inc., we are committed to helping you find the appropriate coverage at the price you want. With these insurance tips in mind, you can confidently send your child off to school, knowing that you’ve taken steps to protect what matters most.
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Easter is a globally recognized holiday observed by Christians to honor the resurrection of Jesus Christ. It is one of the most important and widely celebrated religious festivals worldwide. In this blog post, we’ll delve into the origins, customary festivities, and ideas for observing the holiday with your loved ones.
History of Easter
Easter’s origins can be traced back to the Jewish holiday of Passover, which honors the liberation of the Israelites from enslavement in Egypt. Jesus Christ’s resurrection took place during Passover and later became a significant event for Christians to observe. The holiday date is determined by the first full moon following the spring equinox.
Traditional Celebrations
Various customs are associated with this holiday’s celebrations around the globe, including egg hunts, egg painting, church services, and processions. Unique traditions exist in different countries, such as Poland’s “blessing of the baskets” or Mexico’s “burning of the Judas” effigy. Special foods, like hot cross buns, lamb, and eggs, are also commonly enjoyed during the holiday.
Why Rabbits & Eggs?
Rabbits and eggs are popular symbols of this holiday. These icons have their roots in pagan customs that celebrated spring’s arrival and the emergence of new life. The hare, closely related to the rabbit, symbolized fertility and rebirth in ancient times, while eggs signified new beginnings and life’s renewal. Gradually, these symbols were incorporated into Christian Easter celebrations and became integral to the holiday’s customs. Today, eggs are often colorfully decorated, and the Easter bunny is a cherished character who brings treats and surprises to children.
Celebrating Easter with Your Family
Numerous activities can be enjoyed with family during this holiday, such as attending local events, decorating eggs, and hosting a festive brunch. Additionally, engage in Easter-themed crafts and games with your children or embark on a nature walk to appreciate spring’s beauty. Some families also exchange gifts, like baskets filled with sweets and small toys.
Easter holds a special place in the hearts of families worldwide due to its rich history and diverse traditions. Regardless of whether you focus on the religious significance or delight in egg hunts and chocolate bunnies, there are plenty of opportunities to create lasting memories with loved ones during this holiday.
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Saint Patrick’s Day is a holiday observed around the world on March 17th to commemorate the patron saint of Ireland, Saint Patrick. It’s a day to embrace Irish heritage, culture, and traditions. In this blog post, we’ll delve into the history of this special day, traditional celebrations, and some interesting facts about this popular holiday.
History of Saint Patrick’s Day
This celebration has its origins in Ireland, where it has been observed as a religious holiday for over a millennium. Saint Patrick was a Christian missionary credited with converting the people of Ireland to Christianity in the 5th century. It is believed that he was born in Britain, possibly in the area now known as England or Wales, in the late 4th century. However, much of his early life and upbringing remain uncertain and shrouded in legend. The day of his passing, March 17th, became a holiday in his honor, and over time it evolved into a celebration of Irish culture.
Traditional Celebrations
People across the globe celebrate Saint Patrick’s Day with parades, festivals, and other events. In Ireland, it is a national holiday marked with parades, church services, and traditional Irish music and dance. In the United States, cities with significant Irish populations like Boston and New York hold massive parades featuring floats, marching bands, and traditional Irish dancers. Individuals worldwide join in the festivities with parties, feasts, and by wearing green clothing and accessories.
Fun Facts about Saint Patrick’s Day
- The first parade in honor of this day was held in Boston in 1737.
- Saint Patrick’s actual name was Maewyn Succat.
- Blue, not green, was the color originally associated with Saint Patrick.
- The largest parade celebrating this day takes place in New York City, boasting over 150,000 participants.
- The shamrock, a three-leafed clover, is a symbol of this day because it is said that Saint Patrick used it to explain the Holy Trinity.
Saint Patrick’s Day is a fun and festive holiday that’s celebrated around the world. Whether you’re Irish or not, it’s a day to celebrate the culture, traditions, and heritage of Ireland. So put on your green clothes, enjoy a pint of Guinness, and join in the celebration!
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Renters insurance is a type of insurance that covers your personal belongings and provides liability coverage if someone is injured in your rental unit. It can also help with temporary living expenses if your rental unit is damaged and you need to temporarily live elsewhere. It’s often inexpensive and may be required by your landlord as a condition of your rental agreement. In this article, we will discuss the benefits and why it is a good idea to have a policy.
Renters Insurance Covers Your Personal Belongings
Renters insurance is a type of insurance that covers your personal belongings if they are damaged or stolen. This can include items like furniture, electronics, clothing, and other household items. If you have a renters insurance policy, you can file a claim to help replace your damaged or stolen belongings. This can save you a significant amount of money and help you recover from a loss more quickly.
Renters Insurance Provides Liability Coverage
It not only covers your personal belongings, but it also provides liability coverage. This means that if someone is injured in your rental unit, your renters insurance can help cover the costs of medical bills and legal expenses. For example, if a guest trips and falls in your apartment and needs medical attention, your renters insurance can help pay for their medical bills. This can provide peace of mind and protect you from financial responsibility in the event of an accident.
It Can Help with Temporary Living Expenses
In the event that your rental unit is damaged and you need to temporarily live elsewhere, your renters insurance can help cover the costs of a hotel or other temporary accommodations. This can be especially helpful if you need to evacuate your rental unit due to a natural disaster, such as a fire or flood. Your policy can help pay for a hotel stay or other temporary housing while your rental unit is being repaired. This can provide financial assistance and help you get back on your feet more quickly.
Renters Insurance Is Often Inexpensive
One of the benefits of renters insurance is that it is typically less expensive than other types of insurance, such as homeowner’s insurance. This means that you can get coverage for your personal belongings and liability risks at a relatively low cost. The exact cost of your renters insurance policy will depend on a number of factors, such as the value of your belongings and the amount of liability coverage you need. However, in general, renters insurance is an affordable option for protecting yourself and your belongings.
It May Be Required by Your Landlord
In some cases, landlords may require tenants to have renters insurance as a condition of the rental agreement. This can help protect both the landlord and the tenant in case of an accident or loss. For example, if a fire damages your rental unit and you don’t have insurance you may be responsible for covering the costs of repairs and replacing your belongings. Having a renters insurance policy can help ensure that you are covered in case of an unexpected loss and can help protect your landlord’s property as well.
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If you’re looking for some great last-minute gifts, look no further! We’ve compiled a list of 10 excellent choices that are sure to please anyone on your list. From practical and useful gifts to luxurious and indulgent items, there’s something on this list for everyone. Plus, all of these gifts can be purchased quickly and easily, so you won’t have to stress about finding the perfect present at the last minute. So, whether you’re looking for a gift for your significant other, a family member, or a friend, you’ll find something on this list that they’ll love.
Gift Card
- Gift cards are a popular and versatile choice for last-minute Christmas gifts. They allow the recipient to choose exactly what they want, which eliminates the risk of getting them something they don’t like or already have. They can be purchased quickly and easily, making them a convenient option for those who are short on time. Plus, they can be used at a wide variety of stores and online retailers, giving the recipient plenty of options to choose from.
Cozy Blanket
- A cozy blanket or throw pillow is a practical and thoughtful gift that can add some warmth and comfort to their home. Whether they’re cuddled up on the couch watching TV or reading a book in bed, a soft and plush blanket or throw pillow can make the experience even more enjoyable. Plus, these items come in a wide variety of colors and styles, so you can choose one that matches their personal taste and home decor.
Bottle of Cheer
- A nice bottle of wine or their favorite liquor is a classic gift that’s perfect for a last-minute gift. It’s easy to pick up on the way to a holiday party, and it’s a gift that most people will appreciate. Plus, there are so many varieties to choose from, so you can find something that fits their tastes and preferences. Whether they prefer red wine, white wine, champagne, or their favorite type of whiskey, you can find a bottle that they’ll love.
Subscription Service
- A subscription to a streaming service or online magazine is a great gift that keeps on giving throughout the year. It provides the recipient with endless entertainment or reading material, depending on the subscription you choose. Whether they’re into movies, TV shows, music, or magazines, there’s a subscription service out there that will suit their interests. Plus, these services are often available on a variety of devices, so they can enjoy them wherever they are.
Candle
- A fancy candle or home fragrance set is a luxurious and indulgent gift that can add some ambiance to their home. Candles and home fragrances can fill a room with a beautiful and inviting scent, creating a relaxing and comfortable atmosphere. Plus, there are so many different scents and styles to choose from, so you can find something that matches their personal taste and preferences. Whether they prefer floral, fruity, or spicy scents, there’s a candle or home fragrance set out there that they’ll love.
Cookbook
- A cookbook by their favorite celebrity chef is a great gift for foodies or aspiring cooks. It provides them with new recipes and culinary inspiration, and it can be a fun and interactive way to learn new cooking techniques and try out new dishes. Plus, there are so many celebrity chefs out there, so you can easily find a cookbook that matches their interests and tastes. Whether they’re into Italian, Mexican, or American cuisine, you can find a cookbook that they’ll love.
Coffee or Tea Set
- A high-quality coffee or tea set is a thoughtful gift for anyone who loves a good cup of joe or tea. Whether they prefer coffee or tea, a quality set can provide them with a great-tasting and satisfying beverage. Plus, there are so many different types of coffee and tea to choose from, so you can find something that matches their tastes and preferences. Whether they like dark roast, light roast, green tea, or black tea, there’s a set out there that they’ll love.
Quality Kitchen Knives
- A set of quality kitchen knives is a practical and useful gift for anyone who loves to cook. Good-quality knives can make a big difference in the kitchen, as they can make food prep faster and easier, and they can produce better-tasting and more visually appealing dishes. Plus, there are so many different types of knives to choose from, so you can find a set that includes the knives they need for their specific cooking style and preferences. Whether they prefer a set of chef’s knives, paring knives, or serrated knives, there’s a set out there that they’ll love.
Games
- A board game or puzzle is a fun and interactive gift that can provide hours of entertainment for the whole family. Board games and puzzles are great for bringing people together and fostering social interactions, and they can provide a fun and engaging way to pass the time. Plus, there are so many different types of board games and puzzles to choose from, so you can find something that matches their interests and preferences. Whether they’re into strategy games, party games, or brainteasers, there’s a board game or puzzle out there that they’ll love.
Jewelry/Framed Photo
- A small, thoughtful gift like a piece of jewelry or a framed photo is a great way to show someone that you care about them and put some thought into their gift. These gifts may not be as flashy or extravagant as some of the other options on this list, but they can be just as meaningful and appreciated. A piece of jewelry can be a beautiful and personal way to show someone that you care about them, and a framed photo can be a sentimental reminder of a special moment or memory. Plus, these gifts are often small and easy to transport, making them a convenient choice for last-minute gifts.
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As winter approaches, it’s important to take steps to prepare your home for the cold weather. This can include making sure your home is properly sealed and insulated, as well as maintaining your heating system. By taking these steps, you can help ensure that your home is comfortable and energy efficient during the winter season, continue reading for the tips!
- Install or replace weather stripping around doors and windows to keep cold air out and warm air in. This is an important step in preparing your home for winter. Cold air can seep into your home through gaps around doors and windows, making it harder to keep your home warm. By installing weather stripping, you can create a barrier that prevents cold air from entering your home, making it more comfortable and energy efficient.
- Make sure your heating system is in good working order and change the air filters regularly. A well-maintained heating system is essential for staying warm during the winter months. Before the winter season begins, have a professional check your heating system to make sure it’s in good working order. You should also change the air filters regularly to keep your heating system running efficiently and to improve the air quality in your home.
- Insulate your attic and walls to improve the energy efficiency of your home. Proper insulation is key to keeping your home warm and comfortable during the winter. By insulating your attic and walls, you can prevent heat from escaping your home and reduce your energy bills. This is a relatively simple and affordable way to make your home more energy efficient and comfortable.
- Consider installing a programmable thermostat to automatically adjust the temperature in your home. A programmable thermostat can be a useful tool for managing the temperature in your home during the winter. With a programmable thermostat, you can set the temperature to automatically adjust at different times of day, so your home is warm when you need it and energy efficient when you don’t.
- Check the seals on your windows and doors and repair or replace any damaged seals. Over time, the seals around your windows and doors can wear out and become less effective at keeping cold air out. Before the winter season begins, check the seals on your windows and doors and repair or replace any that are damaged. This will help keep your home warm and energy efficient.
- Clean your gutters and downspouts to prevent ice dams from forming on your roof. Ice dams can cause serious damage to your roof and can even result in leaks and water damage inside your home. To prevent ice dams from forming, make sure your gutters and downspouts are clean and free of debris. This will allow water to flow freely and prevent ice from building up on your roof.
- Consider planting evergreen trees or shrubs near your home to provide wind protection. Evergreen trees and shrubs can act as a natural windbreak, helping to protect your home from cold winter winds. By planting these trees and shrubs near your home, you can reduce the amount of cold air that enters your home, making it more comfortable and energy efficient.
- Keep a stock of rock salt or other de-icing materials on hand to make your sidewalks and driveways safe. In many areas, winter weather can make sidewalks and driveways slippery and dangerous. To prevent accidents, it’s important to keep your sidewalks and driveways clear of ice and snow. Keep a supply of rock salt or other de-icing materials on hand, and use them as needed to make your sidewalks and driveways safe.
- Make sure you have adequate home insurance coverage in case of damage from winter storms. Winter storms can cause serious damage to your home, from broken windows and fallen trees to water damage and power outages. To protect your home and your finances, make sure you have adequate home insurance coverage. Review your policy to ensure that it covers damage from winter storms and other potential hazards.
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Although the holidays are the most delightful time of the year, you might be astonished to find that the Consumer Product Safety Commission estimates that every day during the Christmas season in the U.S., 160 accidents associated to decorating occur. Don’t worry; with a few safety tips for Christmas lights, you may decorate the house without worrying. Read on for advice on how to safely set up and store your favorite decorations.
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Don’t Plug in Too Many Lights
This year, if you want to go all out with your Christmas decorations, be sure you have enough electrical equipment (correctly rated power strips and overall amp power) to support your ideas.
Make sure your Christmas lights are powered by a secure source of electricity. If you plug in more lights than the outlet can handle, you risk exceeding the electrical load limit and damaging circuits (or worse). You should be aware that it is dangerous to plug Christmas light strands into power strips that are connected to extension cords that go to a wall socket.
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Don’t Leave Lights on Too Long
Holiday lights that are left on for too long run the risk of overheating. As a result, it’s a good idea to turn off your lights before going to bed and to avoid leaving them on all day. Even LED lights, which are renowned for remaining cool, can overheat under specific conditions and cause disastrous events like fires if they are kept on for an extended period of time.
Consider hiring a Christmas lights installation specialist if your design is overwhelming. They can help you set up your lights and setup your controller for simple on/off control.
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Label Outdoor Lights for Outdoor Use
Christmas lights for indoor and outdoor use should not be combined. Less insulation is used when manufacturing indoor Christmas, so they’ll be less protected from fading caused by sunlight, extreme weather, or normal outdoor wear and tear.
To ensure your Christmas lights are as safe as possible, keep your interior and outdoor lights apart and always look for the Underwriter’s Laboratories (UL) seal.
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Consider Switching to LED Christmas Lights
LED lights have many wonderful advantages. According to energy.gov, ENERGY STAR-rated LED bulbs use 75% less energy and can last up to 25 times longer than incandescent bulbs.
More energy-efficient bulbs may be up to 95% more efficient and last hundreds of hours longer, especially in smaller bulbs like those used in Christmas string lights.
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Inspect Your Bulbs Annually
Bulb testers assist you identify which light is the dead bulb and locations of your issues in your strand (or if the whole strand is no longer usable). A Christmas light bulb tester is available online for less than $20. It’s a wise investment, particularly if you’re putting on a huge holiday light display.
Many bulb testers include a repair kit and replacement bulbs so you can quickly remedy the problem and save from frequently purchasing new light strings.
Just make sure the type of lights you purchase and the bulb tester you purchase are compatible. For LED Christmas lights, for instance, a tester for LED bulbs should be used.
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Keep Christmas Light Strands Off the Ground
Keep Christmas decorations off the ground as much as you can, especially outside. Be sure to carefully consider your design plans if you have young children or curious animals.
Potential issues include:
- Snowdrifts or puddles damaging your lights.
- Wildlife gnawing on cables.
- Trips and falls that result in injuries.
Strands of exposed light bulbs on the ground are a recipe for disaster. If necessary (depending on the placement of outlets), fasten lights to the ground with duct tape. Make sure your lights are clearly marked to prevent problems of this nature.
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Practice Proper Ladder Safety
Many Christmas-related injuries occur while hanging lights and decorations. Practicing excellent ladder safety includes:
- Inspecting your ladder before climbing it.
- Avoid using your ladder while it’s raining or during adverse weather.
- Keeping three points of contact while hanging decorations from the ladder.
Using a wooden ladder is advised, especially while installing Christmas lights. Because metal conducts electricity, using an aluminum ladder to hang lights might be risky.
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Safely Dispose of Old or Broken Christmas Lights
Don’t dispose of Christmas lights that are broken or old. In addition to being bad for the environment, damaged bulbs in a trash bag can be dangerous.
Christmas lights that are broken or not working properly can be turned in during a specific drop-off period that recycling services in the majority of cities and counties normally set up. You don’t need to worry about whether your Christmas lights are incandescent or LED because the majority accept both types.
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Don’t Let Your Christmas Tree Linger Too Long
Your safety and the security of your home are at risk from dried-out Christmas trees with holiday lights on them. Unbelievably, the National Fire Protection Association reports that between 2015 and 2019, there were an average of 160 home fires per year in the United States that were sparked by Christmas trees. During that time, the total cost of damages was $10 million every year.
January 2 and January 6 are the two most common dates of the year to get rid of a Christmas tree. Try not to let yours linger for too long, and if you do, be sure to water it frequently.
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Store Your Christmas Lights Safely
Once the holidays are over, store your lights securely to avoid broken bulbs this year and the following. To prevent rodents and other pests from chewing through the wires in your Christmas lights, make sure to properly arrange them in a box or bin before taping it shut.
Wrapping individual cardboard pieces with Christmas lights is another secure, efficient method of storing and organizing the lights. Cut cardboard into rectangular or anvil-shaped pieces, and then wrap a set of lights around each one. Then you may tape the end down and stack them flat on top of one another for storage.
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For All Adventurous Types
Sunny days should be for adventures, specifically those that involve vehicles and wind in your hair.
Whether you’re out on your motorcycle road trip, enjoying the dunes with your ATV, trying tricks on your Dirt Bike, feeling the sunny breeze on your Scooter, or enjoying a game on your Golf Cart we can cover your ride and your gear, allowing you to keep your mind on your adventure.
The list goes on for what we can cover: Street motorcycles, dual and off-road, scooters and mopeds, homemade or kit bikes, Segway, trike and trike conversions, limited production cruisers, ATVs, UTVs, side-by-sides and golf carts, even snowmobiles for later seasons.
You’d be hard-pressed to find a type of adventurous vehicle that we can’t cover. We work with a wide variety of third-party vendors to ensure maximum coverage at an affordable price.
What’s an Adventure without the Gear?
Safety Apparel or commonly referred to as just gear can include coverage for things like helmets, boots, gloves, leathers, and other protective apparel, up to $1,000 per rider. More expensive custom helmets or gloves can be covered under Custom Parts & Equipment for values beyond $1,000.
Check out this cool guy. I bet he has insurance.
That gear is purchased to make you look more awesome but also to provide superior protection. You pay to protect your body so it makes sense to protect your gear and finances as well.
But sometimes your customization doesn’t stop at your gear, and neither should the insurance! It can translate right into your vehicles custom parts. Not only that but let’s say you have a sweet Harley, OEM (original equipment manufacturer) parts are also covered.
The equipment coverage falls under the ‘Extra Coverage’ sometimes included in the base policy of your vehicle. If you have spent your sweat and money into more expensive parts, you can up to $20,000 of coverage per vehicle for an additional premium.
With more money put into your customization, it makes sense to get it covered for those thrill-ride, adrenaline pumping adventures.
The Easiest Adventure
Your insurance adventure should be the easiest one yet and the Steele Group Insurance Agency aims to do so. Save the sweaty-palms and adrenaline rushes for the adventures on or off the road. However, we will still leave you feeling accomplished and worthwhile.
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Why choose us?
We have integrity
We deliver on our commitment
We love what we do
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