Month: August 2026

Reasons to Reevaluate Your Boat Insurance Before Taking Your Boat Out for the Summer

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Before you launch your boat/watercraft for the season, it is worth taking a close look at your current policy. At The Merhar Agency LLC in Willoughby, OH, we encourage owners to review their coverage every year before the busy season gets underway rather than waiting until something goes wrong.

Your Boat May Have Changed in Value

If you made any upgrades or improvements to your boat over the winter, your existing policy may no longer reflect what it is actually worth. New electronics, added equipment, or structural changes can increase the value of your vessel. If your coverage limits have not kept pace with those updates, you could end up underinsured.

Your Plans for the Summer May Look Different

Maybe you are exploring new waterways this year or planning to have more guests out on the boat than in past seasons. Even small changes like those can shift your liability exposure in ways that really matter. Reviewing your policy before the season gets going gives you the opportunity to make adjustments before anything unexpected comes up on the water.

Better Coverage Options Might Be Available Now

Insurance products change all the time, and there is a good chance something better is available to you now than when you originally signed up. A quick review could uncover stronger protection, lower rates, or both. It takes very little time and could save you a serious headache down the road.

Start the Season With Confidence

Do not head out on the water without knowing exactly what your boat/watercraft policy covers. Contact The Merhar Agency LLC in Willoughby, OH today and make sure your coverage is ready for everything the summer ahead might bring.

Does RV Insurance Cover Items Stored Inside the RV?

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At The Merhar Agency LLC in Willoughby OH, we hear this question more than you might think. RV owners put a lot of time and money into making their rig feel like home, and that often means filling it with personal belongings, electronics, and camping gear. Understanding what your RV insurance actually covers inside the vehicle is something every owner should figure out before they ever need to file a claim.

What Standard RV Insurance Typically Covers

Most standard RV policies are focused on the vehicle itself. That includes things like physical damage to the RV, liability protection, and coverage for accidents on the road. Personal belongings stored inside are a different story. Many base policies do not automatically extend protection to the items you keep in your RV.

Personal Effects Coverage and What It Means for You

Some RV insurance policies offer what is called personal effects coverage, which is designed specifically to protect belongings kept inside your RV. This can include clothing, electronics, and other personal items up to a certain limit. It is worth reviewing whether your current policy includes this type of protection and what those limits actually are before you assume you are fully covered.

When Homeowners Insurance Might Help

Your homeowners or renters insurance may provide limited coverage for personal belongings stored in your RV. However, that coverage often has restrictions and may not apply when you are traveling or parked at a campsite far from home.

Knowing exactly what your policy covers gives you real peace of mind out on the road. At The Merhar Agency LLC in Willoughby OH, we are happy to walk you through your options and help you find the right coverage for your RV lifestyle. Contact us today.