Boat/Watercraft Insurance

Attention all boat enthusiasts! Learn the truth about boat insurance vs. home insurance coverage

Attention all boat enthusiasts! Learn the truth about boat insurance vs. home insurance coverage

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Boat Insurance | Home Insurance | Start A Quote Today!

If you’re a boat owner, you may be wondering if your boat is covered by your home insurance policy. After all, your boat is an important investment, and you want to make sure it’s protected. In this blog post, we’ll explore the topic of boat insurance and whether or not your home insurance policy provides adequate coverage. We’ll also discuss the different insurance options available to boat owners, boat accidents, liability coverage, property damage, and more. So, let’s dive in!

Boat ownership comes with a unique set of risks and responsibilities. Accidents can happen on the water, and it’s important to have the right insurance coverage to protect yourself and your investment. While some homeowners insurance policies may offer limited coverage for small boats, it’s generally recommended to have a separate insurance policy for adequate protection.

One of the main reasons why boat owners should consider getting boat insurance is liability coverage. If you’re involved in an accident on the water and someone is injured or their property is damaged, you could be held responsible for the costs. Boat insurance provides liability coverage to help protect you in these situations. Without proper coverage, you could be facing significant financial loss.

Another important aspect of boat insurance is property damage coverage. Just like with car insurance, boat insurance can help cover the costs of repairs or replacement if your boat is damaged or stolen. This coverage can be especially valuable if you have a high-value boat or if you frequently use your boat in areas with a higher risk of theft or vandalism.

When it comes to boat insurance, there are different options available to suit your needs. Watercraft insurance is a broad term that encompasses various types of coverage, including boat insurance. It’s important to understand the different types of coverage available and choose the one that best fits your specific needs.

Boat insurance claims can be complex, and having the right coverage can make a big difference in the outcome. It’s important to carefully review your policy and understand what is covered and what is not. Comparing boat insurance coverage options can help you make an informed decision and ensure that you have the right protection in place.

Boat safety is another important consideration for boat owners. While insurance can provide financial protection, it’s always best to prevent accidents from happening in the first place. Following safety guidelines, such as wearing life jackets, maintaining your boat properly, and being aware of your surroundings, can help reduce the risk of accidents and keep you and your passengers safe.

Now, let’s address some common misconceptions about boat insurance. One of the biggest misconceptions is that boat insurance is unnecessary if you have homeowners insurance. While some homeowners insurance policies may offer limited coverage for small boats, it’s important to have a separate boat insurance policy for adequate protection. Don’t assume that your home insurance policy will cover all the risks associated with boat ownership.

Here are a few boat insurance tips to keep in mind:

  • Shop around and compare quotes from different insurance companies to ensure you’re getting the best coverage at the best price.
  • Consider the value of your boat and the risks associated with your boating activities when choosing coverage limits.
  • Understand the terms and conditions of your policy, including any exclusions or limitations. Regularly review and update your policy to ensure it still meets your needs as a boat owner.

If you’re in need of boat insurance, Shield Insurance Agency can help. As an independent insurance agency, Shield Insurance Agency represents over 40 insurance companies, giving you access to a wide range of coverage options. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, boat insurance is essential for boat owners to protect themselves and their investment. While some homeowners insurance policies may offer limited coverage for small boats, it’s generally recommended to have a separate boat insurance policy for adequate protection. Boat insurance provides liability coverage, property damage coverage, and peace of mind. Remember to compare coverage options, practice boat safety, and choose the right insurance agency to meet your needs.

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💰💸 How your payment method impacts insurance premiums - find out now!

How your payment method impacts insurance premiums – find out now!

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Insurance Premiums | Start A Quote Today!

When it comes to insurance, there are many factors that can influence the cost of your premiums. One such factor that often goes unnoticed is the method of payment. How you choose to pay for your insurance can have an impact on the rates you are charged. In this blog post, we will explore the relationship between insurance costs and payment methods, and discuss how your payment choices can influence your premiums. So, if you’re curious about whether your payment method affects your insurance rates, keep reading to find out!

Understanding Insurance Premiums Cost and Payment

Insurance costs are determined by various factors, including your age, driving record, location, and the type of coverage you need. However, the method of payment you choose can also play a role in determining your premiums. Insurance companies consider payment methods as a risk factor, as certain payment options may indicate a higher likelihood of missed or late payments. This can result in higher premiums for those who choose certain payment methods.

Exploring Insurance Premium Payment Methods and Options

Insurance companies typically offer various payment methods and options to accommodate their customers’ preferences. These options may include monthly, quarterly, semi-annual, or annual payments. Some insurers also offer automatic payment deductions from your bank account or credit card. While these options provide flexibility, they may come with additional fees or charges. It’s important to carefully consider the payment method that suits your financial situation and budget.

The Impact of Payment Methods on Insurance Premiums

Certain payment methods can have a direct impact on your insurance premiums. For example, if you choose to pay your premiums annually, insurance companies may offer a discount as it reduces administrative costs. On the other hand, opting for monthly payments may result in higher premiums due to additional processing fees. Additionally, missed or late payments can lead to penalties or even policy cancellation, which can further increase your insurance costs.

Factors Influencing Insurance Premiums

While payment methods can affect your insurance premiums, it’s important to note that they are just one of many factors considered by insurance companies. Other factors, such as your driving history, credit score, and the type of coverage you choose, also play a significant role in determining your premiums. Therefore, it’s crucial to maintain a good driving record, improve your credit score, and review your coverage periodically to ensure you’re getting the best rates possible.

Payment Options for Insurance

When it comes to paying for insurance, it’s essential to explore all available options. Shield Insurance Agency, for instance, represents over 40 insurance companies and offers a range of payment options to suit your needs. Whether you prefer monthly, quarterly, semi-annual, or annual payments, Shield Insurance Agency can help you find the right payment method that aligns with your budget and financial goals.

In conclusion, how you choose to pay for your insurance can indeed impact your premiums. Insurance companies consider payment methods as a risk factor, and certain options may result in higher rates. It’s crucial to carefully evaluate your payment options and choose the method that best suits your financial situation. Additionally, remember that payment methods are just one piece of the puzzle when it comes to determining insurance premiums. Factors such as your driving history, credit score, and coverage choices also play a significant role. To explore your insurance options and find the best payment method for you, contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.

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Surprising Truth: 🏦 How Switching Insurance Companies Impacts Your Credit Score!

Surprising Truth: How Switching Insurance Companies Impacts Your Credit Score!

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Shield Insurance Blog | Credit Score | Start A Quote Today!

Changing insurance companies can be a daunting task. There are so many factors to consider, from coverage options to customer service. But one question that often comes up is whether changing insurance companies can have an impact on your credit score. In this blog post, we will explore the relationship between changing insurance companies and your credit score, and provide some insights to help you make an informed decision.

How Does a Credit Score Work?

First, let’s understand how credit scores work. Your credit rating is a numerical representation of your creditworthiness. It is used by lenders to determine your ability to repay loans and manage credit responsibly. Credit scores are calculated based on various factors, including payment history, credit utilization, length of credit history, new credit, and credit mix.

Now, let’s address the main question – does changing insurance companies affect your credit score? The short answer is no, changing insurance companies does not directly impact your credit score. Insurance companies do not report your policy changes or premium payments to credit bureaus. Therefore, switching insurance companies alone will not cause your credit rating to change.

However, it is important to note that there are certain situations where changing insurance companies can indirectly affect your credit score. One such situation is when you apply for a new insurance policy. Insurance companies may perform a soft credit check when you apply for coverage. A soft credit check does not impact your credit score, as it is only a brief inquiry. However, if you decide to switch insurance companies frequently and apply for multiple policies within a short period, it could raise red flags for lenders and potentially impact your credit rating.

Another way changing insurance companies can indirectly affect your credit score is through payment history. If you fail to pay your insurance premiums on time, your insurance company may report the late payment to credit bureaus. Late payments can have a negative impact on your credit score. Therefore, it is crucial to ensure that you make timely payments to your insurance company, regardless of whether you are switching or staying with the same insurer.

Credit Score and Your Insurance Premiums

It is also worth mentioning that your credit score can indirectly impact your insurance premiums. Insurance companies often use credit-based insurance scores to determine the cost of your coverage. These scores are different from traditional credit scores and are specifically designed for insurance purposes. They take into account factors such as payment history, outstanding debt, length of credit history, and new credit applications. So, while changing insurance companies may not directly affect your credit score, your credit score can influence the premiums you pay for your insurance coverage.

Now that we have addressed the relationship between changing insurance companies and your credit score, let’s discuss some tips to help you navigate the process smoothly:

1. Research and compare insurance companies: Before making a switch, take the time to research and compare different insurance companies. Look for ones that offer the coverage you need at a competitive price. Consider factors such as customer reviews, financial stability, and claims handling process.

2. Notify your current insurance company: Once you have decided to switch, make sure to notify your current insurance company. Provide them with the necessary information and request cancellation of your policy. It is important to follow the proper procedures to avoid any potential issues or penalties.

3. Pay your premiums on time: As mentioned earlier, late payments can negatively impact your credit score. Make it a priority to pay your insurance premiums on time, regardless of whether you are switching or staying with the same insurer. Set up automatic payments or reminders to ensure you never miss a payment.

4. Understand the terms and conditions: Before signing up with a new insurance company, carefully read and understand the terms and conditions of the policy. Pay attention to details such as coverage limits, deductibles, and exclusions. It is essential to have a clear understanding of what you are getting into to avoid any surprises down the line.

In conclusion, changing insurance companies does not directly affect your credit rating. However, it is important to be mindful of the indirect ways in which it can impact your creditworthiness. By understanding the relationship between changing insurance companies and your credit rating, and following the tips mentioned above, you can make a smooth transition while maintaining a healthy credit profile.

If you are considering changing insurance companies, Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Huge marble artworks dropped into the Mediterranean in a radical plan to eliminate illegal trawling fishing are finally allowing damaged ecosystems to regrow.

The underwater sculptures tackling illegal trawling

Posted on by Shield Insurance Agency

Positive News | by Veronique Mistiaen | August 8, 2022 | Illegal Trawling | Shield Insurance Blog

Huge marble artworks dropped into the Mediterranean in a radical plan to eliminate illegal trawling finally allowing damaged ecosystems to regrow.

What is illegal trawling?

Trawling is an industrial method of fishing that involves pulling a fishing net, that is heavily weighted to keep it on the seafloor, through the water behind one or more boats. The net used for trawling is called a trawl. Wikipedia

Deep into the sea off the coast of Talamone in Tuscany, lie a mermaid and a reclining figure carved in smooth Carrara marble. With other statues, they form a strange, dreamy underwater museum. They are silent guardians, protecting the sea against gangs trawling illegally at night.

With their nets ballasted with heavy chains dragging on the seafloor, the trawlers uproot the Posidonia meadows, a seagrass endemic to the Mediterranean and vital to the marine ecosystem, which soaks up 15 times more carbon dioxide annually than an equivalent area of the Amazon rainforest. 

The practice is illegal within three nautical miles of the coast of Italy, but because it is very profitable and impossible to police the 8,000km of Italian coastline, bottom trawlers carry on at night regardless.

For years, Paolo Fanciulli, a local fisherman alarmed at the devastation caused by the trawlers, has tried various ways to stop them, including placing concrete bollards on the bottom of the sea with the help of Talamone municipality. But it wasn’t enough. 

He thought the blocks might have more impact if they were carved by well-known artists, explained Ippolito Turco, a friend of Fanciulli and president of the non-profit Casa dei Pesci, which they created together to protect the sea. A Carrara quarry offered 100 huge blocks of marble, artists donated their time and locals fundraised for the project.

“I thought it was a brilliant idea: it would attract more attention to the problem,” said British stone sculptor Emily Young, who contributed three colossal heads.

There are now 39 underwater sculptures and marble blocks at Talamone, lowered in 2015 and 2020, and another 12 are ready to join them as soon as necessary funds can be raised.

They create a defense against the trawlers and a unique underwater museum, to anyone. The statues also provide a structure on which organisms can grow, encouraging more plant life and sea creatures to return.

“The first head, the 18-tonne Weeping Guardian, which was lowered down five years ago, shows a good growth of plant life, including anemones. Fish are making good use of the newly available food and hiding places,” said Young.

Click here for the rest of the story on illegal trawling..

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One of the most common questions people have is why it takes longer to get a business insurance quote than an auto insurance quote.

Cracking the Code: Why Auto Insurance Quotes Beat Business Insurance Quotes in Speed

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Shield Insurance Blog | Business Insurance | Insurance Quotes | Start A Quote Today!

Business Insurance Quotes vs Auto Insurance Quotes

When it comes to insurance, there are many factors that can affect the time it takes to get a quote. One of the most common questions people have is why it takes longer to get a business insurance quote than an auto insurance quote. In this blog post, we will explore the reasons behind this and provide some insights into the process.

Firstly, it is important to understand that business insurance is a much more complex and specialized type of coverage compared to auto insurance. Business insurance covers a wide range of risks and liabilities that are unique to each individual business. This means that the insurance company needs to gather more information and assess a greater number of factors in order to provide an accurate quote.

One of the main reasons why it takes longer to get a business insurance quote is the level of customization required. Unlike auto insurance, which has standardized coverage options, business insurance needs to be tailored to the specific needs of each business. This means that the insurance company needs to gather detailed information about the business, such as its size, industry, location, and the specific risks it faces. This information is used to determine the appropriate coverage and limits for the business, which can take time to assess.

Insurance Quotes

Another factor that can contribute to the longer quote process for business insurance is the number of insurance companies involved. Unlike auto insurance, where there are a limited number of providers, business insurance has a much larger market. This means that there are more insurance companies to choose from, each with its own underwriting guidelines and pricing models. In order to provide the best quote for a business, the insurance company needs to shop around and compare quotes from multiple providers. This can take time, especially if the business has unique or specialized needs.

Additionally, business insurance often requires more documentation and verification compared to auto insurance. This is because businesses typically have more assets and liabilities that need to be assessed. For example, a business may need to provide financial statements, inventory lists, or proof of compliance with certain regulations. This additional paperwork can add to the time it takes to get a quote, as the insurance company needs to review and verify the information provided.

Furthermore, the complexity of business insurance policies can also contribute to the longer quote process. Business insurance policies often have more coverage options and endorsements compared to auto insurance. This means that the insurance company needs to carefully review and assess each option to ensure that the policy meets the specific needs of the business. This level of detail and customization can take time to evaluate and determine the appropriate coverage and pricing.

In conclusion, there are several reasons why it takes longer to get a business insurance quote compared to an auto insurance quote. The level of customization required, the number of insurance companies involved, the additional documentation and verification, and the complexity of the policies all contribute to the longer quote process. However, it is important to remember that the extra time and effort put into obtaining a business insurance quote is necessary to ensure that the business is adequately protected. So, if you are in need of business insurance, be patient and provide the necessary information to get the best coverage for your unique needs.

If you are looking for the best RV insurance quote, camper van insurance, or the best insurance for Motorhome Insurance near you, Shield Insurance Agency can help. With over 40 insurance companies represented, they have the expertise and resources to find the right coverage at an affordable price. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your family and your business with the right insurance coverage from Shield Insurance Agency.

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To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with.

Know Your Insurance Terms for Peace of Mind

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Shield Insurance Agency Blog | Insurance Terms | Start a Quote Today!

Insurance is an essential aspect of our lives, providing us with the necessary protection and peace of mind. However, navigating the world of insurance can be overwhelming, especially with the numerous terms and jargon often used. To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with. Whether you are a seasoned policyholder or a newcomer to the world of insurance, this list will serve as a valuable resource.

Insurance Terms

1. Premium: The amount of money you pay to the insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually, depending on the policy.

2. Deductible: The amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $1,000, you will pay the first $500, and the insurance company will cover the remaining $500.

3. Policy: A contract between you and the insurance company that outlines the terms and conditions of your coverage. It specifies what is covered, the limits of coverage, and any exclusions or conditions.

4. Coverage: The protection provided by an insurance policy. It can include various types, such as auto, home, health, life, and more.

5. Liability: The legal responsibility for any damages or injuries caused to others. Liability coverage is designed to protect you in case you are held responsible for an accident or injury.

6. Claim: A formal request made by the policyholder to the insurance company for compensation or reimbursement for a covered loss or damage.

7. Underwriting: The process of evaluating an applicant’s risk and determining the terms and conditions of their insurance policy. It involves assessing factors such as age, health, driving record, and more.

8. Exclusion: Specific situations or conditions that are not covered by an insurance policy. It is important to review your policy carefully to understand what is excluded from coverage.

9. Rider: An additional provision or amendment to an insurance policy that modifies or expands the coverage. Riders are often used to add specific coverage options or increase policy limits.

10. Agent: A licensed professional who represents an insurance company and helps individuals or businesses find the right insurance coverage. They can provide guidance, answer questions, and assist with the claims process.

11. Insured: The person or entity covered by an insurance policy. This can be an individual, a family, or a business.

12. Loss: The reduction in value or damage to property or assets covered by an insurance policy. It can be due to theft, accident, natural disaster, or other covered events.

13. No-claims bonus: A discount or reward given by insurance companies to policyholders who do not file any claims during a specific period. It encourages safe driving and responsible behavior.

14. Comprehensive coverage: An insurance policy that provides protection against a wide range of risks and perils, including theft, vandalism, fire, and natural disasters.

15. Grace period: The additional time given to policyholders to pay their premium after the due date without incurring a penalty or losing coverage.

16. Subrogation: The process by which an insurance company seeks reimbursement from a third party who is responsible for the loss or damage covered by the policy. It allows the insurance company to recover the amount paid to the policyholder.

17. Actuary: A professional who uses statistical data and mathematical models to assess risk and determine insurance premiums. They play a crucial role in pricing policies and ensuring the financial stability of insurance companies.

18. Umbrella policy: An additional liability insurance policy that provides coverage beyond the limits of your primary policies. It offers an extra layer of protection against high-cost claims or lawsuits.

19. Depreciation: The decrease in the value of an asset over time due to wear and tear or obsolescence. Insurance policies often take depreciation into account when determining the amount of compensation for a covered loss.

20. Endorsement: A written amendment or addition to an insurance policy that changes the terms or coverage. It can be used to add or remove coverage options, increase or decrease policy limits, or modify other policy provisions.

Understanding these insurance terms will empower you to make informed decisions when it comes to protecting yourself, your family, and your assets. Remember, insurance is not just a financial product; it is a shield that safeguards your future. If you have any questions or need assistance in finding the right insurance coverage, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. You can also start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay protected and enjoy peace of mind with comprehensive insurance coverage.

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Insurance 101 for Beginners

Insurance 101 for Beginners

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Shield Insurance Blog | Insurance | Start a Quote Today!

What do I need to Know About Insurance?

Insurance is a crucial aspect of our lives that provides financial protection and peace of mind. Whether it’s car insurance, homeowners insurance, or any other type of insurance, understanding the basics is essential. In this blog post, we will explore the fundamental concepts of insurance, different types of insurance, and why it is important to have the right coverage.

Insurance is a contract between an individual or business and an insurance company. The individual or business pays a premium, and in return, the insurance company agrees to provide financial protection in the event of a covered loss. The purpose of insurance is to transfer the risk of potential financial loss from the insured to the insurance company.

Basic Terms and Definitions

To understand insurance better, it is essential to familiarize yourself with some basic terms and definitions. Here are a few key terms:

  • Premium: The amount of money paid to the insurance company for coverage.
  • Deductible: The amount the insured must pay out of pocket before the insurance company starts covering the loss.
  • Policy: The contract that outlines the terms and conditions of the insurance coverage.
  • Coverage: The specific protection provided by the insurance policy.
  • Claim: A request made by the insured to the insurance company for compensation for a covered loss.

Car Insurance for Beginners

Car insurance is one of the most common types of insurance that people need. It provides financial protection in case of accidents, theft, or damage to your vehicle. Here are a few things to consider when getting car insurance:

  • Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident.
  • Collision Coverage: This coverage pays for damages to your vehicle in case of a collision.
  • Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft or natural disasters.

Renters and Homeowners Coverage for Beginners

If you rent or own a home, it is crucial to have renters or homeowners insurance to protect your belongings and property. Here are a few key points to consider:

  • Renters Insurance: This type of insurance provides coverage for your personal belongings in case of theft, fire, or other covered events. It also provides liability coverage in case someone gets injured in your rented property.
  • Homeowners Insurance: This insurance covers your home and belongings against damage or loss caused by covered events. It also provides liability coverage and additional living expenses if your home becomes uninhabitable.

What other types of Insurance are there?

Apart from car insurance and homeowners/renters insurance, there are several other types of insurance that you may need depending on your circumstances. Some common types include:

  • Health Insurance: This insurance provides coverage for medical expenses and can help protect you from high healthcare costs.
  • Life Insurance: Life insurance provides financial protection to your loved ones in case of your death. It can help cover funeral expenses, pay off debts, and provide income replacement.
  • Disability Insurance: This insurance provides income replacement if you become disabled and are unable to work.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of your other insurance policies. It can protect you from large lawsuits and claims.

Protection, Family, and Shield Agency

Insurance is all about protection, especially when it comes to your family and assets. Shield Insurance Agency understands the importance of having the right coverage and represents over 40 insurance companies to provide you with the best options. Whether you need car insurance, homeowners insurance, or any other type of insurance, Shield Insurance Agency can help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t wait until it’s too late – protect yourself and your loved ones with the right insurance coverage.

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By Denis Riek via The Global Ocean Surface Ecosystem Alliance, CC license

Pacific Garbage Patch Is Full of Life

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Goodnews Network.org | By Andy Corbley | Jul 27, 2023 | Pacific Garbage Patch | Shield Insurance Blog

Pacific Garbage Patch Is Teeming With Life–An Ecosystem Older Than Plastic But No One Saw it

Pacific Garbage Patch Is Teeming With Life–An Ecosystem Older Than Plastic But No One Saw it

In the northern Pacific Ocean, a powerful ocean ‘gyre’ pulls together several ocean currents into a single region—the site of the infamous Great Pacific Garbage Patch (GPGP).

However, longer before there was plastic waste in these waters, and in spite of it, the Northern Pacific Ocean gyre is teeming with specially-adapted marine organisms that drift through the sea.

Take this beautiful violet snail above, constructing floating bubble rafts by dipping its body into the air and trapping one bubble at a time, which it then wraps in mucus and sticks to its floater.

Scientists recently documented hundreds of different life forms all concentrated within the center of the GPGP, where 1.8 trillion pieces of plastic have created an environmental feature like no other on Earth.

A swimmer named Benoît Lecomte completed a swim of 389 miles across the GPGP in 2019 and asked the scientists at Georgetown University to accompany the support crew in order to document the sea life.

The work they did has now been published in the journal PLOS One. They found greater concentrations of wildlife inside the GPGP than on its periphery. This is not because of, but in spite of, the trillions of pieces of plastic, as these living ocean hitchhikers evolved to use ocean gyres and currents to get around over thousands of years.

Violet snails, blue button jellies, by-the-wind sailor jellies, and sea slugs called blue sea dragons that hunt the tentacles of man o’ wars to use as makeshift protection, are all found there in large numbers.

“We saw just massive amounts of life at the surface,” study senior author Rebecca Helm, a marine biologist at Georgetown University, told National Geographic. “We’ve seen so many pictures of plastic from the Great Pacific Garbage Patch, but we’ve never seen any pictures of life there.”

“These places that we’ve been calling garbage patches are really important ecosystems that we know very little about.”

MORE SURPRISING OCEAN LIFE: Scientists Discover Pristine Deep-Sea Coral Reefs in Galápagos Marine Reserve ‘Teeming With Life’

The technical term for all this floating sea life is called neuston, and much of it is colored blue atop, and white beneath—a sort of camouflage Helm and her team believe.

Most of our children will never be able to see the GPGP, because it’s currently on track to be totally cleaned down to the microplastic level over the next 20 years.

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Boat Insurance and What You Need to Know

Boat Insurance and What You Need to Know

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Shield Insurance Blog | Boat Insurance | Start A Quote Today!

When you own a boat, whether it’s a small fishing boat or a luxurious yacht, it’s important to protect your investment. Boat insurance is designed to provide coverage for different types of watercraft, and in Michigan, having boat insurance is a legal requirement. Shield Insurance Agency represents over 40 insurance companies and can help you find the right policy that suits your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Michigan is known for its beautiful lakes and waterways, making it a popular destination for boating enthusiasts. However, it’s important to remember that accidents can happen, and having boat insurance can provide financial protection in case of an unfortunate event.

Boat insurance policies typically provide coverage for the following:

  1. Physical damage: Boat insurance can cover the cost of repairing or replacing your boat if it is damaged in an accident or other covered event. This includes coverage for collisions, fire, theft, and vandalism.
  2. Liability coverage: Liability coverage is essential for boat owners as it protects you if you are responsible for causing damage to someone else’s property or injuring someone while operating your boat. This coverage can help cover legal expenses and any damages awarded in a lawsuit.
  3. Medical payments coverage: Boat insurance can also provide coverage for medical expenses for you and your passengers in the event of an accident. This can help cover the cost of hospital bills, doctor visits, and other medical services.
  4. Uninsured/underinsured boater coverage: If you are involved in an accident with an uninsured or underinsured boater, this coverage can help cover your medical expenses and property damage.
  5. Personal effects coverage: Boat insurance policies can also provide coverage for personal belongings that are aboard the boat, such as fishing equipment, water skis, and other gear.

It’s important to note that boat insurance policies can vary in terms of coverage, limits, and exclusions. Therefore, it’s always a good idea to review your policy with an experienced insurance agent to ensure that you have the right amount of coverage for your specific needs.

When shopping for boat insurance in Michigan, it’s important to consider the following factors:

  1. The type and size of your boat: The type and size of your boat will impact your insurance rates. Generally, larger and more expensive boats will require higher coverage limits and will therefore have higher premiums.
  2. The value of your boat: It’s important to insure your boat for its full value to ensure that you are adequately protected in the event of a total loss. Working with an experienced insurance agent can help you determine the appropriate value of your boat.
  3. Your boating experience: Some insurance companies may offer discounts for boaters with a clean driving record and extensive boating experience. Make sure to inquire about any available discounts when shopping for boat insurance.
  4. Storage and security: Insurance companies may also consider where and how your boat is stored when determining your premiums. Having a secure storage facility or anti-theft devices installed on your boat can help lower your rates.

Michigan has specific regulations and requirements for boat insurance, and it’s important to be aware of these to avoid any penalties. In Michigan, all motorized boats must be covered by liability insurance with minimum coverage limits. Failure to comply with these regulations can result in fines and other penalties.

Boat insurance is not only a legal requirement in Michigan, but it’s also a smart investment to protect your financial well-being. Accidents can happen at any time, and the costs of repairs, medical bills, and legal expenses can be significant. Having boat insurance can provide peace of mind and help you navigate through any unforeseen circumstances.

When shopping for boat insurance in Michigan, it’s important to work with an experienced insurance agency that understands the local market and can help you find the right policy for your needs. Shield Insurance Agency represents over 40 insurance companies and can provide you with options and competitive rates. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your investment and enjoy your time on the water with the right boat insurance policy.

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Swallowed By Whale

Kayakers Swallowed By Whale Live To Tell The Tale

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Shield Insurance Blog | June 8, 2023 | Swallowed By Whale | Life Insurance | Start A Quote Today

VIDEO: Humpback whale almost swallows kayakers near a California beach

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Julie McSorley says she learned an important lesson after she and her friend ended up in a humpback’s mouth: “Whales need their space.”

McSorley and Liz Cottriel were kayaking together in California’s San Luis Obispo Bay watching the whales feed on silverfish when one of the massive sea creatures surfaced beneath them, toppling their kayak and knocking them into the water.

Videos and photos from other kayakers and paddlers appear to show the women and their kayak being momentarily engulfed in the whale’s mouth — though the two friends say it all happened too fast for them to be sure.

“It’s definitely woke me up to the realization that, you know, our place is not in the feeding zone of whales,” McSorley told As It Happens host Carol Off.

“We didn’t think we were that close, but we definitely were right in the area that we shouldn’t have been — so I’ve learned my lesson, big time.”

Swallowed By Whale

AVILA BEACH, Calif. — Two whale watchers had a close encounter while kayaking off the coast of Avila Beach, California, that they will likely never forget.

Julie McSorley and Liz Cottriel were watching humpback whales on Monday when one decided to get up close and personal. A whale came up underneath them and caused them to capsize.

“I saw the big pool of fish, the big bait ball come up out of the water,” McSorley told CNN affiliate KMPH. “I saw the whale come up. I thought, ‘Oh, no! It’s too close.'”

“All of a sudden, I lifted up, and I was in the water.”

Footage from a witness nearby makes it appear as if the kayakers are being swallowed by the whale, but the two just tipped over.

“The whale was right here in my face, literally,” Cottriel told KMPH.

“I’m thinking to myself, ‘I’m gonna push. Like, I’m gonna push a whale out of the way! It was the weirdest thought. I’m thinking, ‘I’m dead. I’m dead.’ I thought it was gonna land on me. Next thing I know, I’m underwater.”

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Humpback whales typically feed on krill and small fish, according to the National Oceanic and Atmospheric Administration (NOAA).

The NOAA says humpback whales are popular among whale watchers as they are active on the surface and often jump out and slap the water with their pectoral fins or tails.

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