When should you book your holiday flights? Experts say right now!

OK. We know that the leaves haven’t turned yet, and the smell of pumpkin spice is barely wafting through the air. We aren’t even in Halloween prime time yet. We assure you, we aren’t trying to rush things, but we’d like to offer some seriously good advice: If you plan to fly someplace for the holidays – either for Thanksgiving or for the Christmas / Hanukkah / Kwanzaa window – it’s not too early to book your plane travel now. In fact, it may be the ideal time.

According to AAA Travel’s flight booking data from the last three years, Sept. 25 marks the start of the best booking window for air travel over the Thanksgiving and Christmas holidays. It’s generally the best time for both availability and price deals. While it’s true that there are sometimes last-minute deals for travel, there is limited availability – so if you want the best availability and choice, start looking soon.

See AAA’s advice for the best days to travel on both holidays windows: The Best Time to Book Your Holiday Flights? Now! Check their article for some detailed advice. We’re reproducing two of their handy charts.

AAA Thanksgiving travel -chart of best dates

AAA - Christmas holiday travel = best times chart

SmarterTravel offers their take on timing: The 12 Best and Worst Days to Travel This Holiday Season. They show the busiest travel days around both holidays by share of bookings from travel booking site Hipmunk. They also offer some advice on snagging the best fares.

For train travel, Amtrak offers Tips for Successfully Booking Your Trip. They say that “The earlier you book your tickets, the more likely you are to get the lowest fare available for the dates you want on the routes along your journey. You may book your travel up to 11 months in advance.” See their Tips for Savvy Travelers.

In planning your trip, consider whether you need trip insurance. If you are just zipping home on a domestic flight to visit your folks, you might not need it. Instead, before you book, check your credit cards to see if any offer baggage protection or other travel benefits when you book a flight – many do. And know your consumer rights – see the Department of Transportation’s Fly Rights: A Consumer Guide to Air Travel.

But if you are taking an expensive family trip over the holidays and traveling overseas or on a cruise, you might want to talk trip insurance over with your agent to protect your investment. The Insurance Information Institute offers a good primer: Should you buy travel insurance?

Reprinted from Renaissance Alliance – no usage without permission.

Take the “What the Flood” quiz

How much do you know about flood insurance? Probably very little, unless you’ve had an experience with flooding or your insurance agent has discussed it with you. Check it out – take this quick What the Flood interactive quiz to see if you understand the insurance protection that would apply should common water damage scenarios occur. The quiz is promoted by the National Association of Insurance Commissioners (NAIC), who offer great info on Understanding Flood Insurance.

Here are a few common flood insurance myths

  • Myth: I don’t need flood insurance because I already have homeowners insurance.

Reality. Homeowners insurance rarely covers flood damage – talk to your agent.

  • Myth: I don’t need flood insurance because I don’t live in a high-risk flood zone.

Reality: More than 20% of the National Flood Insurance Program’s (NFIP) claims come from outside high-risk flood areas.

  • Myth: It’s already hurricane season so I am too late to buy flood insurance this year.

Reality. You can purchase flood insurance any time, but it generally takes effect 30 days after purchase for coverage to take place.

Here’s a handy NAIC infographic that shows homeowners vs flood insurance coverage:

Why not have a chat with your insurance agent to find out if flood insurance makes sense for you? Here are some great questions that NAIC offers as discussion points when you talk to your insurance agent about flood insurance.

Reprinted from Renaissance Alliance – no usage without permission.

Motorcycle Mania: Your spring guide to insurance, safety, training, laws and more

Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .

Motorcycle Laws

If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.

AAA Digest of State Motor Laws – Motorcycles

State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more

III: State Motorcycle Helmet Use Laws (chart form)

State Highway Offices

Motorcycle insurance

Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.

Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.

Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.

Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.

For more, see the Insurance Information Institute (III): Find the right coverage for your bike

Motorcycle Safety

The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.

Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.

III: Background on: Motorcycle crashes

NHTSA: Motorcycle Safety

Choose the right helmet – how to find the right fit for safety

Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.

Motorcycle Industry Council Tire Guide

NHTSA: Safety Issues and Recalls – search by VIN

Additional Resources

How to Prepare your Motorcycle for Spring

Consumer Reports: Motorcycle Buying Guide & Ratings

Motorcycle Club Listings

Reprinted from Renaissance Alliance – no usage without permission.

Boat Safety Week in two words: Wear It!

It’s National Safe Boating Week May 18-24, a good reminder to all boat owners and boat lovers to review boat safety best practices and to take the “Wear It” Life Jacket Pledge. And if your boat represents a serious investment, it’s also a good time to think about insurance.

Why are life jackets important? In 2017, the Coast Guard counted 4,291 accidents that involved 658 deaths, 2,629 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents.

Life jackets may not protect you against property damage, but they will help to save lives. But simply having life jackets on board is not enough – accidents happen too fast to access them. Being a good swimmer isn’t enough – an injury or water-logged clothes can interfere with even the strongest swimmer’s abilities. Another big objection is that jackets are too hot, too restrictive, or don’t look “cool,” but new, lightweight jackets are slimmer, cooler and less restrictive. Plus, as for the coolness factor – bicycle helmets didn’t look cool at one time, until they became a sporting fashion statement. Do your part to make life jackets cool.

The U.S. Coast Guard life jacket requirements for recreational vessels:

  • A wearable life jacket for each person must be aboard
  • Life jackets must be U. S. Coast Guard approved
  • Jackets must be proper size for the intended wearer
  • In good and serviceable condition
  • Properly stowed (readily accessible)

The Coast Guard puts out a brochure that talks about the different types of life jackets and how to ensure a good fit.

Before you take put any boats int he water, make sure you know the federal laws as well as any state laws that might apply. The US Coast Guard offers links and resources on boat regulations and laws, including federal and state laws, navigation rules, and more.

Talk to your independent agent about Boating Insurance

Do you need boat insurance? Your homeowners or renters insurance may cover canoes and small sailboats or powerboats, but larger boats require a separate policy. Talk to your independent agent about the coverage you do have and whether it applies to any boats that you have. Typically, liability coverage would need to be added as an endorsement to a homeowners policy. The Insurance Information Institute offers a good overview of boat and watercraft insurance, as well as safety best practices.

 

Reprinted from Renaissance Alliance – no usage without permission.