Top eight towing mistakes people make

Name: Shield Insurance Agency
Address: 3214 Chicago Dr, Hudsonville, MI, 49426
Telephone: 616-896-4600

Posted on March 20, 2023March 15, 2023 by Shield Insurance Agency

The Foremost Creative Team | towing mistakes | Auto Insurance | Start a Quick Quote here!

The idea of hauling something huge behind your truck or SUV may sound like a fun adventure, but for those who aren’t familiar with the complexities of towing, it can actually be pretty intimidating! According to Complete Trailers LLC, there are eight common mistakes people make while towing. To avoid costly damages, read this list before you hitch and go:

Towing Mistakes: Overworking Your Engine

The number one towing mistake people make is overworking their tow vehicle. Overextending your vehicle can start a landslide of engine problems. This mistake could lead to a meltdown on the side of the road and potentially require a brand-new transmission. To avoid this, keep an eye on your pressure, temperature gauges, and exhaust gas temperature gauges.

Towing Mistakes: Weight Distribution Bars

If you don’t have your weight distribution bars set up right, you’re bound to have your vehicle and trailer bouncing from each other. Your ride will be bumpier than usual and the hitch and frame can be damaged from this too. And when it comes to weight distribution bars, bigger is not better. The bars with chains are tunable and come in various strengths and weights. If you properly load the correct bar size, they’ll be parallel to the trailer’s frame.

Towing Mistakes: Checking or Maintaining Brakes

Brakes are the most essential and overlooked safety system. Trailer brakes don’t self-adjust like the brakes on your tow vehicle. In fact, they must be manually adjusted by you. Additionally, trailer brakes wear out just like any other brake does, so be sure to check for wear and tear regularly.

Poorly Loaded Vehicles us a towing mistake

It’s crucial for safety and damage prevention to always put a balanced load on your trailer. Read up on weight restrictions and follow them closely because if you don’t, your tow vehicle won’t last very long.

Wrong Ball/Ball Mount

Make sure that you have the right ball and mount for your trailer. There are three different sizes of balls: 1 7/8 inches, 2 inches, and 2 5/16 inches — each with a different weight rating. Using the wrong mount or ball will pitch your trailer up or down on your axles and it also puts extra stress on your brakes and tires, which eventually reduces your braking ability. If you use multiple trailers, carry multiple mounts.

“Racing” While Towing

We know how exciting it is to get to a destination, but remember, slow and steady wins the race! Speeding up or down a grade is the last thing you want to do because it’ll ruin the longevity of your tow vehicle.

Low-Pressure Tires

If you maintain the right tire pressure on both your tow vehicle and trailer, you’ll have even tire wear, which means you’re less likely to have blowouts from overheating. This scenario is especially dangerous when it happens on your rear trailer tires, so make sure to pay special attention to them. Tires degrade more quickly when not in use. Before you hitch and go, remember to always inspect your tires and pressure.

Not Lubing Your Components

Like any well-oiled machine, taking preventative measures with your trailer and tow vehicle goes a long way. Axles and all pivot points where steel meets steel (or rubber bushings meet steel) should be greased.

Shield Insurance Agency wants you to travel and tow safely.

Get Your Boat Ready for Spring

Posted on March 7, 2023March 3, 2023 by Shield Insurance Agency

Foremost | by Marrio Roberts Jr. | Boat | Boat Insurance | quoting portal

Springtime is here! The weather is beautiful, the water is inviting, and your boat is looking better now than when you first laid eyes on it. The only thing that would make your marine beauty even better is a gorgeous body of water underneath it. But not so fast…

Before you take your boat out on the water, complete the actions on this de-winterizing checklist created for you by Foremost^® Insurance.^*

Check engine and fluid levels.
To keep your boat running smoothly, remember to check engine and fluid levels. This includes engine oil, oil filters, power steering, coolant, and transmission fluid. If you didn’t change your engine oil, oil filter, and drive lubricants before winter, you can do this now. For everything else, check for any leaks and repair the source first. Once this is addressed, refill the fluids.
Inspect your battery.
If your vessel has been idle for a long period of time, it’s likely the battery is dead and will need to be recharged. Additionally, the water in the battery can freeze in the winter. When this happens, the water can expand and cause cracks in the battery creating irreversible damage. If there are no issues here, ensure that your battery is filled with the proper amount of water. Be certain to use distilled water and not tap water, which can diminish performance. Next, check for any corrosion and clean the battery with a mix of baking soda/distilled water. If you discover your battery is damaged beyond repair, replace it.
Examine the boat’s exterior.
When checking the exterior of your seagoing machine, look closely for any cracks and holes. Check all around the hull and underneath it. If you notice any damage, repair them immediately. Always remember: “boats don’t sink because of water around them, boats sink because of water that gets into them.”
Check the belts.
Lack of use during winter can cause belts to crack and break. This happens because of the stress and tension placed on the belts. If any belts are cracked, replace them. You will also need to replace your belt if it’s loose or if you notice black soot around the pulley.
Examine fuel lines.
The cold winter weather can cause damage to your watercraft’s fuel line. Damage to your fuel line can stop fuel from reaching the engine, and your boat won’t run. Be sure to check this when you pull your watercraft out in the spring. Pay close attention to your fuel hoses and replace them if you see any leaks. Replace any section of your fuel system that show any leaks, cracks, or structural damage.
Inspect the sails (if applicable).
Winter weather can cause considerable damage to your sails. Take note of the shape of your sails. If your sails don’t maintain proper form, you could have issues when boating in strong wind. Lookout for wear, chafing, and other structural damage. Inspect your bolt rope and replace it if it is fraying or weak. If your sails are damaged, replace them.

It is important that you perform each action in this checklist with as much attention to detail as possible. Properly de-winterizing your watercraft is crucial to your performance and safety out on the water.

^*Please note: You should also follow the manufacturer’s recommendations for any other maintenance requirements not mentioned in this article.

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4 Brothers Are Close to a World First, Nearing End of Epic 3000-Mile Row Across Atlantic–Raising 80k for Charity

4 Brothers, a 3000-Mile Row Across Atlantic, and 80k for Charity

Posted on January 20, 2023January 13, 2023 by Shield Insurance Agency

4 Brothers Are Close to a World First, Nearing End of Epic 3000-Mile Row Across Atlantic–Raising 80k for Charity

Good News Network | Andy Corbley | Jan 11, 2023 | 4 Brothers | Boat Insurance

In a few days time, four brothers will set a world record as the first rowing team made entirely of brothers to cross the whole of the Atlantic.

While many siblings find being stuck under one roof challenging, it’s a testament to their endurance that the four of them have shared two rowing benches and one tent-sized cabin for nearly 4 weeks.

The adventurous brothers are two sets of twins—26-year-olds Jack and Hamish Friend, and 24-year-olds Euan and Arthur Friend.

The foursome from Devon, England have already raised more than 80k for charities since setting off on their epic endurance challenge nearly a month ago.

Naming their team ‘The FriendShip,’ they trained for the grueling feat for a total of 18 months ahead of their departure on December 12th from La Gomera, in the Canary Islands.

And they are expected to finally complete the Talisker Atlantic Challenge race and arrive at their destination, Antigua, in the next week. The Talisker Challenge usually consists of 20-40 rowing teams, and the boys’ latest diary entry claims they were in 4th, but gaining fast on 3rd place-holders.

“There have been some massive highs and some pretty low moments over the past 26 days,” said Hamish in a video, reflecting on their progress on Friday. “High moments from just surfing down some massive waves (…) and these amazing starry skies and amazing sunrises and sunsets.

“Low moments such as being slapped in the face by a flying fish at two in the morning, to getting absolutely soaked by these Atlantic storms that come along. Sitting in your cabin all damp and wet trying to get to sleep.”

Click here for the rest of the story and some great photos

Boat Insurance Limits

Posted on March 30, 2022June 14, 2023 by admin

Boat Insurance | Shield Insurance | Self-Quoting Portal

Shield Insurance Agency is an independent agency. We have working relationships with multiple carriers throughout Michigan. We take pride in simplifying the process of searching for coverage for our clients. We provide flexible coverage options that evolve over time.

Why Navigation Limits Are An Important Part Of Boat Insurance Policies

Michigan is a tourist attraction for its beautiful lakes. There are multiple places throughout the state where large boat parties occur and bring people together to have fun. If you own a boat, consider the benefits of boat insurance. Boat insurance covers you while you’re out on the water. There are some risks associated with operating a boat. Perhaps you lose temporary control of your boat and crash into an object. Liability coverage will take care of any damages or medical treatment of bodily injuries. Boat insurance also includes collision coverage, which covers any damage to your boat due to an impact on another watercraft. All of your personal items inside your boat are covered if damaged or stolen. Comprehensive coverage protects your boat in multiple ways. You’re covered if you’re out on the water and severe weather moves into the area, causing damage. You’re also covered if your boat is damaged due to a fire. You can also add emergency towing or fuel spill coverage to your policy.

Boat Insurance

Pay attention to your policy’s navigation limits. Your policy will outline a specific radius in which you can operate your boat while maintaining coverage. If you cross that line, you are no longer protected if something happens to your boat. Check your policy carefully to avoid a potential disaster.

Shield Insurance Agency Will Help You Protect Your Assets

Contact us today at 616-896-4600 to speak to one of our licensed agents to learn more about boat insurance. Click here to learn more about Boat Insurance

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Set sail with peace of mind

Posted on July 5, 2021January 23, 2025 by Shield Insurance Agency

Safeco® Captain’s Package Coverage: Set sail with peace of mind

Four reasons you can set sail with peace of mind when you enroll in the Safeco Captain’s Package. One New Boat Price Protection: in the event of a total loss, replaces boats/watercrafts less than two years old with a new boat/watercraft. Two Roadside Assistance: covers the boat/watercraft, trailer, and the car or truck you tow it with. Three Personal Effects Protection: increased protection limits to your base coverage. Four Emergency Assistance: Increases this coverage to $1,000. Connect with your Safeco independent agent today to find out more: http://spr.ly/6051yTUv3 Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA.

Join the Celebration: Shield Insurance Agency Recognized for Business Excellence!

Posted on June 2, 2021January 23, 2025 by Shield Insurance Agency

Shield Insurance Agency | Shield Blog | About Us | Start A Quote Today! | Business Excellence Award

We are pleased to announce that Shield Insurance Agency has been nominated for the prestigious Business Excellence Award. This recognition is a testament to our commitment to providing exceptional insurance services and our dedication to our clients.

The Business Excellence Award is given to companies that have demonstrated outstanding performance, innovation, and leadership in their respective industries. It recognizes organizations that have achieved significant growth, maintained high ethical standards, and made a positive impact on their communities.

We are honored to be considered for this award and would like to express our gratitude to our clients for their continued support and trust in our services. This nomination serves as motivation for us to continue delivering the highest level of service and to constantly improve our offerings.

We would also like to extend our appreciation to our dedicated team members who have worked tirelessly to ensure the success of our agency. Their hard work, expertise, and commitment to excellence have been instrumental in our nomination for this prestigious award.

Winners of the Business Excellence Award will be announced at a ceremony later this year. We are excited about the opportunity to be recognized among other outstanding businesses and look forward to the results.

Once again, we would like to thank everyone who has contributed to our success and helped us achieve this nomination. We remain committed to providing exceptional insurance services and being a trusted partner for all our clients’ insurance needs.

Thank you for your continued support.

Big News from the Hudsonville Chamber of Commerce!

It’s Awards Season!

The Chamber is SO excited to be hosting the Chamber Awards once again this year!

Here are our nominees for the 2021 Awards!
::::: drumroll :::::

Business Excellence Award

Hudsonville Physical Therapy
Advent Physical Therapy
Shield Insurance Agency

Leadership Award

Dr. Therese House-Vereeke
Patrick Waterman
Mary Jane Schreur

Spark Award

Hand 2 Hand Ministries
Meijer
Joy 99

The winners of the Awards will be announced at our official Awards Ceremony MEAL. June 17th at noon at the Pinnacle Center.

Make sure to get registered, we hope to see you there!

Visit the Shield Insurance Blog for some great reading…

Boat Insurance Exclusions

Posted on June 3, 2020January 31, 2025 by Shield Insurance Agency

Sailing the high seas is exciting, but it can be a tricky business. That’s why boat insurance is a valuable consideration, to help protect against any possible perils your vessel might face. Your boat insurance gives you peace of mind so you can fully enjoy your time out on the water. But boat insurance doesn’t cover anything and everything. Being aware of your boat insurance policy exclusions can help ensure that you operate and maintain your boat appropriately, as well as choose the right insurance coverage for your needs, so you don’t get stuck with a damaged boat and astronomical expenses.

In fact, most basic boat policies have exclusions. This means there are certain scenarios that are “excluded” and your boat insurance will not step in to provide coverage in those instances.

WHAT ARE THE MOST COMMON BOAT INSURANCE EXCLUSIONS TO BE AWARE OF?

1. Wear and tear

Your boat will start to gradually deteriorate over time. We like to say, the more your boat is worn and weathered, the more loved it is! But despite this loving, your boat insurance typically won’t cover any repairs or replacements that’s a result of natural wear and tear. You are responsible for regularly maintaining and servicing your vessel to prevent loss.

Note that saltwater corrosion is a common boat deterioration that’s almost never covered by boat insurance. Protect your boat from corrosion and rust by frequently giving your boat a freshwater bath to remove the salt and other minerals that can damage your vessel.

2. Infestations

Most boat insurance policies exclude insects, animals, and mold. This means you won’t be covered if your boat is damaged by a raccoon sneaking on and ransacking the place or if termites, zebra mussels, or barnacles eat away at your boat. Mold loves warm, wet places, too, so it’s not uncommon for boats to get a mold infestation.

You want to take effective steps to protect against any and all infestations on your boat. This means you want to clean, drain, and dry all of your boat equipment after use. Getting rid of excess water and moisture helps deter marine infestations and mold. You’ll also want to clean up spills and messes to dissuade animals and insects from making their home on your boat.

Infestations can quickly do damage if not properly managed… and you’ll end up footing the bill. Talk to someone about the highest risks of marine infestation in your area and how you can take measures to defend against these.

3. Marine life

Most boat insurance doesn’t cover damage from marine life including sharks, octopi, whales, and other creatures. If you tend to sail in waters with a lot of unruly creatures, you may want to discuss a supplemental policy with your insurance agency.

It’s also important to note that mermaids and other mythical creatures are not covered under your boat insurance. (Tip: If you see a mythical creature, grab your camera, snap a few shots, and then sail away as fast as you can since it’s not covered.)

4. Faulty machinery

Basic boat insurance policies don’t cover any machinery or parts that need repair or replacement due to deterioration, lack of maintenance, improper use, or mechanical and production defects. However, that means your insurance would likely still cover machinery if it is damaged by a covered peril, like a collision or storm.

Even if the faulty machinery isn’t covered, your boat insurance may cover other damages that the machinery causes. For example, your water pump gets clogged up because you haven’t cleaned it. The water pump bursts and causes flood damage to your boat. Boat insurance may not pay for a replacement water pump, but it may help partially cover the damage that the water pump caused to the rest of the boat. This is dependent on your insurer and how they handle different claims.

4. Accessories

Most boat insurance won’t include additional accessories and equipment unless specifically stated in the policy. For example, it won’t cover life jackets, navigation gear, GPS systems, anchors, or boat modifications. We recommend purchasing supplemental boat equipment coverage and personal effects coverage to protect all the “extras” on your boat.

5. Improper storage and transportation

Your boat insurance can be year-round, and most basic boat insurance policies will protect against fire, vandalism, theft, and winter storms in the off-season. This protects your boat from serious financial strain in the case of an incident—which can occur more often than you might think.

However, your insurance company won’t cover your boat if it’s incorrectly stored and transported in the off-season. For example, if you don’t properly tie down your boat while driving it from the lake to the storage center and the boat falls off, your insurance company won’t cover it.

Essentially, most insurance policies cover your boat on-land—but only if you take appropriate measures and precautions to keep it safe.

6. Unnamed operators

Like auto insurance, your boat insurance covers certain named drivers on your policy. Anyone who isn’t a named boat operator on your insurance isn’t covered. If your boat gets into an accident while someone else is driving, your insurance likely won’t cover any of the damage. So don’t lend your boat out to friends for a joy ride unless you’ll be the one driving.

7. Navigation limits

Most boat policies will cover you for a specific geographic region. If you sail out of your navigation limits or into off-limits waters, your boat insurance “turns off.” Make sure you know your sea navigation area to understand where your boat is and isn’t covered on the water.

8. Competitions

Most boat coverage won’t include special events, like boating races with high speeds. If you’ll be using your boat for a competition, you may want to talk to your insurance agent about supplemental insurance, especially additional liability insurance in case of a collision during the race.

GET BOAT INSURANCE

Is your boat fully insured for this summer season?

It’s important to know your boat insurance policy in detail since inclusions and exclusions vary from company to company. Not sure what your policy looks like? Looking to get better coverage at the best possible price? Get a quote from Shield Insurance Agency to make sure your boat insurance fits your needs.

Wondering what your boat insurance policy includes and excludes? Call or text our Shield Insurance Agency office today at 616. 896.4600 and an insurance advisor can review your policy and offer expert advice.

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