4 Basic Boating Tips for Beginners

Posted on April 15, 2019April 15, 2019 by admin

Rio Rancho, NM isn’t all desert and sand. The area surrounding the city boasts many opportunities for boat enthusiasts to get out on the water. These tips are designed to ensure new boat owners stay safe, follow the rules, and have fun while they’re getting comfortable at the helm.

Enroll in a boater’s safety course. The Energy, Minerals, and Natural Resources Department of New Mexico (EMNRD) provides access to approved courses. Throughout the course, you will learn essential skills like interpreting traffic signs along waterways, how to equip your vessel for various activities, and what to do if an emergency happens.
Check the status of your boater’s insurance policy. Your boater’s insurance policy covers your liability if an accident occurs with your boat. This includes medical payments, repairs to your vehicle, and damage to the property of others. Talk to an agent at Franklin Insurance Agency before your first launch to ensure your watercraft is fully protected.
Get familiar with your rig. Even after a few training classes, you need some time to get comfortable with the way your boat operates. Take a close look at the location of gauges, lights, radios, and compasses. Locate important accessories like detectors, extinguishers, emergency radios, and first aid kits. Walk around and decide where you will store things like clothing, food items, and leisure equipment.
Practice backing up before getting to the ramp. It is poor boating etiquette to use the ramp for too long. If you’ve never backed a boat into the water before, spend some time practicing in the parking lot before taking your place in line for the ramp.

Franklin Insurance Agency helps boat enthusiasts in the Rio Rancho, NM area protects their aquatic toys with insurance. Contact our representatives to learn more about customized boat insurance.

4 Little Known Facts about Car Insurance You Should Know

Posted on March 20, 2019March 20, 2019 by admin

Although every motorist is required to purchase an auto insurance policy, it seems that very few fully understand the ins and outs of the car insurance sector. For residents of Rio Rancho, NM, the following is 4 little-known facts about car insurance you should know.

Lost/Stolen Items

While many policies will provide at least some form of financial compensation if your vehicle is stolen, this does not apply to the belongings you keep in your vehicle. No matter how much the items are worth, if your car is stolen, you will likely take a loss on any belongings that were left in the vehicle.

Occupation Matters

On another note, you may not realize this but your job can also impact your car insurance premiums. For instance, teachers are considered to be lower risk than many other professions, so they are often afforded a discount.

Credit Scores

On the other hand, your credit score can also affect the cost of the premium. Since studies have shown that there is a link between your credit score and the likelihood that you will file a claim, your premium is likely to be more if you have a lower credit score.

Low-Risk Vehicles

Furthermore, low-risk vehicles can earn you lower premiums. For instance, vehicles that have good safety equipment or are less likely to be stolen will often have lower premiums.

For help with your car insurance questions, contact Franklin Insurance Agency. A premier insurance company located in Rio Rancho, NM, contact Franklin Insurance Agency today to find out how you can get your car insured and hopefully save some money in the process.

Home Insurance Add Ons to Consider

Posted on February 15, 2019February 15, 2019 by admin

When it comes to protecting your home, there’s no shortage of possible insurance add-ons to consider. It ultimately comes down to your property and how much protection you believe you’ll need. If you live in or around Rio Rancho, NM, the team at Franklin Insurance Agency is here to help. Here are some of the top home insurance add-ons to consider.

Flood Insurance

Many in New Mexico might not even consider flood insurance as something necessary for their property. However, as you know, when it does rain, it rains hard and the water often has nowhere to go. Plus, flood insurance is there for burst pipes and any other issue with water. These are areas your regular home owner’s insurance is not going to completely cover, so it is worth looking into.

Commercial Insurance For Home Business

More and more Americans are starting to work for themselves. That is exciting and a great way to spend more time at home with the family. However, your home insurance may not protect your commercial investment, even if it is inside your home. So whether you have a storeroom of goods you have produced or you just have some computer electronics in a side office, in the event of theft, flooding, storms or any other issue, your commercial business may not be covered. Due to this, it is a good idea to look into commercial insurance for your home.

There are all kinds of home insurance add-ons you can take advantage of. Ultimately, it comes down to what kind of property you have and the protection you need. When living around the greater Rio Rancho, NM area, the Franklin Insurance Agency is available to help. Contact our office to speak with an agent and have your questions answered.