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How Much is Boat Insurance?

Written on February 2, 2020 in Insurance

Boat insurance is one of those rare things that really doesn’t fit into another category at all. While motorcycle insurance can be grouped with other small ATV insurances, boat insurance exists in a world of its own. Due in part to the enormous variety of boats available today, finding out just how much boat insurance costs is, of course, better asked of an insurance agent. For the preliminaries, however, you’ve come to the right place.

Buying boat insurance requires more research than would be necessary with the purchase of auto insurance. The reason is that many auto insurers don’t insure boats. While there are several notable insurance companies which do, by and large, boat insurance is a specialty item, and there are companies dedicated solely to boat insurance.

Typically, finding out how much boat insurance is going to cost requires the factoring in of just about every angle of the boat, and its captain (you!) Low-risk owners live in safe neighborhoods, typically provide sheltered, secured storage for their boat, or use a secured marina, and regularly keep up on maintenance. Boat insurance companies will look at your credit report, previous accidents or traffic tickets (automobile tickets can factor in) as well as age when determining your personal status for insurability on a boat. When they look at the boat itself, they’ll look at the size of the boat, where you intend to store it, how much power the boat engine(s) produce, and how expensive the boat was. For instance, if you are a 16- year old with no experience looking to insure a $80,000 speedboat that you intend to store in front of yourhouse, chances are good that your boat insurance agent will soon be purchasing a boat of his or her own on what you’ll spend in premiums.

There are predominantly two different types of boat insurance currently available: boat owner policies and yacht policies. As you might expect, boat owner policies are considerably less expensive than yacht policies, but what you might not know about this type of boat insurance is that in reality, most boats fit into this category. Boat insurance for boat owners cover single motor boats under 26′. These boat insurance policies are generally of a fixed amount. On the other hand, boat insurance for yachts is generally pretty expensive, but can be had with custom limits and coverage to better take into account that these larger boats may have more expensive furnishings or even be used (or lived on) more often than a typical boat might.

Just as there are no single types of boat on the waters, boat insurance comes in practically all shapes and sizes. While there is a wealth of information online regarding boat insurance, the only way to truly learn how much boat insurance will cost is to contact your insurance agent, who will either provide you a quote, or point you in the right direction.

Heavy Backpacks Are Damaging Our Children

Written on February 1, 2020 in Education

Now that students are back to school, kids are settling into their homework routines. They’re bringing home more work than ever and physically, they’re paying for it. Backpacks are the most common way students carry their books back and forth to class. There is evidence that links heavy backpack use leads to back pain in more and more children.

You can help prevent your child from becoming one that suffers from backpack misuse. Be sure to purchase a backpack that has wide padded straps and padded back. It helps distribute the weight over your shoulders and prevents slouching. Also make sure the backpack is lightweight and it’s the right size. It shouldn’t be larger than the child’s back and should be appropriate for the child’s needs. If it’s large enough to carry a college student’s workload, your child will more than likely load more in it just because they can. Also look for a bag that has a waist strap. It may not be fashionable, but it will put some of the weight on the hips instead of the back and also prevents slouching.

Of course the bag isn’t relevant if the child isn’t well prepared from what they put inside the bag. Overloading a backpack is the primary reason that it leads to back and shoulder injuries. For young children who weigh 60-75 pounds shouldn’t carry any more than 10 lbs and nobody should carry a backpack weight more than 25 lbs. People should pack the heaviest items at the bottom of the bag and flat items against the back. This transfers the heavy weight to the hips and pointy and bulky items away from the back. You should also make sure your child is always using both of the shoulder straps and that they’re tightened so the bag only hangs slightly below the shoulders. Make sure you child is only using the bag when they need to. If it’s only one book, have them carry it instead of using a backpack.

Children have enough to worry about without having to worry about back pain from backpacks. Try talking to the teachers to see if there are spare books that can keep at home or purchase a second set. That way, they won’t have to transport the books from school to home every day. Also, see if they can use handouts for small chapters instead of books. If your child participates in separate activities and only uses one bag, have them use separate backs instead. If that fails, have them try different styles of bags like saddle bags or rolling bags. Just make sure that they don’t have to lean too far to reach the handle of the rolling bag. This causes the same kind of damage from having to slouch and lean down.

By making these small changes, you will become more aware of how your child responds to their backpacks and prevent future back pain. They’re far too young to have such serious injuries when it’s such a small aspect of their lives and is preventable.


Heather is a curious and ambitious woman always looking for classics. She also loves to pen down her thoughts once in a while as well. Her true strength lies in the intensive research that she does for her articles.

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