This so cozy and so well-thought out. I never saw a camper this size look so roomy.

This is awsome. I notice that they don’t need a wood burning stove taking a lot of room, b/c there appears to be heating and cooling.

The rain shower goes back to the end of the wall, so it’s very roomy.

This kitchen is lovely- lots of prep space and look at the finish on the counter.

This seat cushion is so nice and thick. Very comfy.

This is so beautifully done.

Gilly having fun at Harvey’s Camping 

His name is Harvey..like the R-V’s.....R-V: Harvey..

Want a Better Car Insurance Rate

Whether looking for a new policy or trying to lower current rates, the best thing that a consumer can do is shop around and compare car insurance quotes from various carriers. What is even better is that obtaining quotations from companies is free. Car insurance should be treated just as any consumer product; individuals are very unlikely to walk into a store and purchase the first product that they see. They are very likely to compare the different options that various products offer and the cost of obtaining what is preferred; automobile coverage is no different and since it does not cost a thing to shop around; motorists should take advantage of this fact to find the policy that suits them best.

As a driver begins to comparison shop and locates the ideal coverage at a price that is affordable they should obtain free auto insurance quotes based on the various levels of protection. Since obtaining quotations is costless it is always a good idea to spend the time comparing the price of different coverage to see if a higher level of protection can be obtained at a rate that is affordable. Unfortunately, many consumers only purchase state minimum requirements in order to keep premiums as low as possible which can leave them vulnerable to lawsuits and paying for compensation to another party out of pocket; in many cases, had the compared rates on more extensive coverage they may have been able to find a cheap premium for better policy and avoided such quotations.

Comparing Free Auto Insurance Quotes

When consumers go to compare the rates of insurers they should get quotes on different scenarios, most importantly higher limits than what the state may require. Certain states have very low requirements and comparing the price of more protection may take the time that motorists may not want to spend, but after all getting quotations is free and it can be worth the while if better coverage is found at an affordable rate. In a number of states, the requirement for property damage liability is very low such as California which only requires $5,000; if a person has ever been to Beverly Hills or seen the city on TV or in movies they can see that cars in that area can cost well over that amount. If a person were to cause an accident with a vehicle of high value they may find themselves paying for any remaining repair costs that exceed this amount and of course, this is just an example; with the price of automobiles nowadays, this could happen in any part of the state. Protecting against a situation like this can be only a matter of getting quotations on higher limits to see if they are affordable.

Comparing free quotes can also help consumers to realize that some additional coverage can be obtained. Many states do not require uninsured or underinsured motorists or medical payments on policies which can all be very beneficial and contrary to the belief of many motorists these additions to policies can be relatively cheap. Although it may seem like a hassle to compare various options and get rates from various companies to see if better coverage can be purchased it does not have to be. Comparison websites will allow motorists to obtain quotations based on basic policies, additional protection and fully extensive coverage to help ensure that consumers purchase the policy that is best at a price that they can afford; of course, this is provided free of charge and with no obligation to buy. Even state websites provide the same service such as the Texas Department of Insurance which allows residents to check the rates of the most popular insurers based on specific scenarios. Since comparing the price of premiums does not cost a thing, it is highly encouraged that motorists do so before purchasing a policy to avoid becoming underinsured when they could have bought a better policy.

This Blog was posted for you By Falcon Insurance Services in San Antonio

Understanding Small Business Insurance

When you’re starting up a small business, you invest a lot of time and money into getting it up and running. You’ll want to protect your business from any potential damage by taking out commercial insurance. The last thing you want after years of hard work is to lose everything because of an accident. Without insurance on your establishment, if it were to suffer from a fire, you’d have to pay for the repair costs out of your own pocket. This event could potentially be disastrous and lead to you needing to close your business for an extensive amount of time or forever.

Types of Commercial Insurance

There is a range of commercial insurance options available:

Public Liability Insurance – This is the most common type of insurance that small businesses choose. It will protect you against any injuries that happen to a customer while they’re in your establishment.

Employer’s Liability Insurance – When you own a commercial property, it’s your responsibility to ensure the safety of your employees. If one of your workers were to get injured during their working hours, this insurance would cover you for any of their costs such as hospital bills.

Professional Indemnity Insurance – This insurance will protect your small business from accidental damage that is caused by a client.

Office Insurance – Office equipment such as computers, printers, desks, and more can be costly to buy. If the contents of your office were to get damaged on the premises, this insurance has you covered.

Shop Insurance – This type of insurance will typically cover the entire shop premises, all of the content inside of the shop, and has public liability insurance to cover customer injuries.

Business Property Insurance – If anything were to happen to your businesses’ personal property, whether it’s caused by fire, vandalism, disasters, and more, this insurance would cover you for the costs.

Commercial Auto Insurance – If your business has a company vehicle, for example, if it’s a food establishment and you deliver food, this auto insurance will protect your business out on the road.

Insurance Terms

All businesses should know about insurance terms when investing in coverage for their establishment. It’s important that you understand the language as it will help you when it comes to buying.

Business Insurance Quote – When you’re shopping around for your commercial insurance options, choose several policies that include all of the coverage you need. Ask all of the companies for quotes to compare.

Deductible – If something were to happen to your establishment before your insurance provider would cover the costs, you’d first have to pay your agreed deductible.

Claim – If a customer gets injured on your property, or if someone thinks that your business has done something incorrectly, they can make a claim.

The lawsuit – If an incident occurs in your establishment and it doesn’t get resolved to the other party’s satisfaction, they can file a lawsuit against you.

Endorsement – Also known as a rider, this is an attachment that can modify the terms and conditions of your policy.

What About Getting Your Vintage Collectable Car Insured

Although there are a lot of car manufacturers who are trying to design and invent new features in the vehicles that would attract many car enthusiasts, the number of people who are getting interested in the old cars is rapidly increasing today. They are trying to appreciate the uniqueness and the value of the vintage cars which are truly considered as works of art. 

Probably because of the sentimental reasons, owners of the vintage or classic cars get together to showcase their own collection and much-treasured possession. Most of them have this unexplainable pride and joy especially when it is time to share about the different features and engine setup of their cars.  Collecting vintage cars is actually an expensive hobby. This is also considered as an investment since the rarity of these vehicles along with the cost of repairing and maintaining it is all part of the pastime. Because of this, it is also important that the vintage vehicles are covered by classic car insurance as well.  So what is the criteria before your car can be called classic or vintage? Car insurance companies use these standards in telling whether they would accept it for classic car insurance or not. 

1. It must be an antique vehicle or a collector’s vehicle.  2. The vehicle must be at least 15 years old  3. Although not necessarily running like it used to, the car must be in good condition  4. It must not be the main vehicle of the owner  5. The vehicle must be kept in a private territory or in a garage  6. It must be enjoyed and driven by the owner for the sake of pleasure and appearance not because of its function as a car 

Once your car is considered as classic, the vehicle has already exceeded the average lifespan of most cars which is 10 to 15 years only. Therefore, you need extra effort to maintain the vintage car and keep it running. There are times that you would have a hard time looking for the parts since most of it is already out of date. This is one of the main reasons why insurance for a classic car is higher compared to the premiums of the typical vehicles today. 

What really sets the classic car insurance apart from the other vehicle insurance that you can purchase in the market? 

For one, there are several usage restrictions. One example is that drivers who are 21 years old and above are the only ones allowed to drive a classic car. The classic car must not be the primary vehicle used by the owner or the driver. Moreover, it can’t be used as a car for everyday use. Other than that, classic cars are only insured if it is driven towards a car show or other special events which require the presence of the vintage vehicle. 

If you own one of these cars, you must consider getting insurance that would protect it. After all, this is also a form of your investment and an asset that you must take care of. 

Protect Your Special Car!

Teenagers Car Insurance Rates Are Higher Then Adult’s

To get reasonable car insurance for their teenage children is what is in a parent’s mind nowadays as their teens grow older and finally got their own driver’s license. This is due to the fact that the rates of insurance are increasing and thus, burdening parents financially…

Teens are often given higher premiums by insurers due to the fact that they are young and new in driving. Insurers are assuming that they are taking higher risks by insuring these teen drivers. As a parent, read on to find out how you can get reasonable teen car insurance.

Since teenagers are still not capable of purchasing cars for themselves, they often rely on their parents to buy for them. Therefore, if you are considering purchasing cars for your teens, buy a car that follows car safety measures imposed by the law and consider adding extra safety devices on the cars to guarantee your teens to be in lower risks of involving with unfortunate events such as accidents. You should also choose cars that fall in a lower risk category. Do not choose cars like sports cars that are susceptible to thefts and higher costs of repairing. These cars will incur higher costs of insurance and you wish to get reasonable car insurance for teenagers would not come true.

Next, constantly remind your teens about the importance of driving safely. Advise them to follow traffic rules strictly and avoid traffic offenses to minimize speeding tickets, warnings, and accidents. Usually, new drivers like teens are also being restricted by the traffic laws and they need to follow tighter rules and regulations compared to older drivers such as maintaining 0 alcohol tolerance level while driving. Stress to them that it is vital to abide by the restrictions. These will help your teens to maintain a good driving record which is viewed by insurers highly as an important factor to reward the policyholder with reasonable auto insurance.

You can also consider insuring them under your own car policy as insurers often offer discounts for policyholders with more than one car under the same plan. However, reasonable teen car insurance might be available as well if you insure your teens under their personal stand-alone policies with insurance companies that specialize in providing car insurance for teens. These policies, however, put certain limitations on the teens such as restricting them from driving at night and many more restrictions to keep their premiums low. In addition, you can also consider getting higher deductibles. If you purchase car insurance for your teens with high deductibles and you will be rewarded with reasonable teen car insurance.

Statistically, teen drivers are at a higher risk to be involved in accidents compared to adult drivers, hence explaining the higher rates for them. However, there are things a parent can do to help reduce the premiums for their car insurance if the parent is willing to do their part of work.

What Are The Top Auto Insurance Companies

What are the top auto insurance companies – is a question that frequently is asked. Why is that? The reason is that people shopping for car insurance for themselves want to find a good deal and save money on their policy, but they also want the assurance that the insurer will be around for them when they have an accident or otherwise may need to rely upon their coverage.

Car Insurance

For the entire United States, here is a listing of the major auto insurance companies. There are many metrics to measure the top 10, but we find that subjective comments of preferences are not one of them. This is because such comments are experiential and not necessarily indicative of the market view. It is said that money talks, so I focused this article on size metrics, such as who covers the most consumers, who has the highest number of policies, who covers the most vehicles and total value of coverage. With that in mind, our somewhat unscientific listing of the top car insurers nationally include:

State Farm Allstate GEICO (Berkshire Hathaway) Progressive Farmers (Zurich) USAA (United Services Automobile Assn.) Liberty Mutual Nationwide AmFam (American Family Insurance) Travelers Mercury Data courtesy of Listitude.com.

For each of our state listings, we aim to provide a list of some of the top auto insurance companies for that state. This would include some with the most coverage in the state. We also have a list of auto insurance companies for the entire United States. That list does not focus on the size of the company, but rather is directed to listing all of the major car insurance companies alphabetically.

Interestingly, the top 5 have over half of the market. However, from state to state, the Top 10 or Top 5 can vary considerably. Likewise in some states there are large local companies. Also, these issuers vary widely in how they market to consumers. For example, Progressive is almost exclusively over the Internet. GEICO also has a largely direct to consumer marketing model. However, State Farm, Allstate, Farmers and Nationwide use a lot of third party sales, i.e. insurance brokers. In recent years, you can find free online auto insurance quotes from virtually all leading providers over the Internet. That is where this site comes in. You can find access to quotes directly in the search boxes around the site, and also via the advertisers you find, who tend to be focused on the subject matter here.

In asking for the top insurance companies, people sometimes have in mind the largest, but others have in mind the “best”. Some people believe that the largest usually correlates with the best, but others not. Semantics aside, we have researched the largest and most established car insurance providers and developed this list. This also is one way to help choose between insurance options. Price of course is one of the most important factors. However, a lot of people also want to make sure that the company also is one of biggest giving some assurance of past history of dependability, or reliability and also accessibility when needed. Although the biggest are not necessarily the best for everyone, there is some belief that they can provide value, reliability and perhaps a certain level of service.

As noted previously, this website does not endorse any particular vehicle insurance company, and also is not an insurance provider either, although we carry ads and comparison tools. We hope to provide a valuable resource for some consumers in finding or comparing top or major auto insurance companies and the policies and coverages they might offer in your state.