Home Inventory

Most people don't think about insurance very often. It is something you consider only when it is needed. When you first purchased your home or renters insurance, you probably thought something along the lines of "I should really take some pictures of my jewelry in case of a claim."

Now here is the question - If you had a catastrophic fire and lost everything today, would you remember every single item in your home? Not just the big expensive television and the wedding rings but every piece of clothing, set of sheets, or toy? Probably not! {at the time of a loss it is your responsibility to provide details of all damaged or lost contents}

The point of this is not to make you feel guilty and nervous, but to offer some help! We offer FREE Home Inventory Software on our website! http://www.iii.org/static/knowyourstuff/allstate/

This software makes documenting your personal property so easy! You can make a spreadsheet, attach photos, or scan receipts. When you are done, the project can be stored electronically, burned to a CD, or printed. Take a copy to your safe deposit box and it is done. Cross that off your list!

Round-a-bouts


Here's your sign....

Thank you goes to our firefighters out there... THANK YOU!



FAIRBANKS, Alaska -- Five families were displaced when a fire damaged their apartment building late Friday night, according to Fairbanks assistant fire chief Ernie Misewicz.
The fire at 11:08 p.m. heavily damaged one apartment in the five-plex at 2085 Van Horn Road and caused light to moderate smoke damage to the other four units. No one was injured.
The fire originated in a basement apartment. No one was home at the time of the fire. The cause of the fire is under investigation by the Fairbanks Fire Department. Fire units from the Fairbanks Fire Department responded along with mutual aid assistance from the Fort Wainwright Fire Department and the University Fire Department. Fairbanks Police provided assistance with traffic crowd control.
The Red Cross provided assistance to four of the displaced families.

Did you feel the Earthquake?

FAIRBANKS, Alaska -- A light earthquake rattled homes and businesses across the Fairbanks area at 8:53 p.m. Friday. According to the Alaska Earthquake Information center, the tremor was centered about 4 miles southwest of Ester and 12 miles west of downtown Fairbanks. It was six miles deep.
The quake's preliminary magnitude is 3.49, and no reports of damage have been received. It was the second quake felt in the Fairbanks area in less than a week. A 3.59 quake also centered near Ester was recorded on Saturday. It was widely felt in the area and was followed by several aftershocks. No damage was reported.
http://www.newsminer.com/news/2009/may/29/light-earthquake-hits-fairbanks/

Map:
http://earthquake.usgs.gov/eqcenter/recenteqsww/Maps/region/N_America.php

Less thank 5% of Alaskan's have Earthquake insurance coverage...

Do you have Renters Insurance?


FAIRBANKS -- When Jose Martinez heard pounding and the shout of “fire” at 2:30 Monday morning, he threw on some clothes and woke his wife.
Bundling up his 7-week-old baby and a 3-year-old, Martinez packed the kids into the truck.
Racing back into his University Park Condos apartment, he grabbed a few diapers and a small safe securing the family’s most important papers. Visible flames forced out heat so dense he shielded his head as he ran to the parking lot.
That’s about all he has left that isn’t saturated with thick smoke and ashy water after four apartments above his burned Monday.
University Fire Department battalion chief Jim Styers said eight families lost their homes in the blaze. A sturdy fire wall prevented flames from spreading into other parts of the complex at 658 Fairbanks St.
Crews took the call a few minutes past 2:30 a.m., reaching the scene to find flames reaching above the roof and two men trapped in a second-story unit.
Firefighters raised a ground ladder for a rescue.
“Within 11 minutes we had them out of the building and they were on their way to the hospital,” Styers said. The men were not burned, but likely suffered from smoke inhalation and anxiety, he said. A third person was also transported to Fairbanks Memorial Hospital.
Styers spoke with the second man to be rescued.
“He was saying as he was coming out the window there were flames coming out over his head — that’s how close it was,” Styers said. “They were pretty excited to be alive.”
Joseph Roland Gagnon lived in an apartment directly below the destroyed units. He couldn’t say enough about the firefighters and law enforcement officers who were on the scene within minutes.
“It was a well-performed, professional response,” he said Monday afternoon, sitting outside the charred units as residents packed out what belongings they might be able to salvage. “They did one hell of a job.”
Although fire authorities said the blaze remained under investigation, several residents had heard an overturned electric fan may be a potential culprit.
Regardless of the cause, Martinez was thankful he had purchased renter’s insurance about six months ago, a simple buy that cost $19 per month, and is proving to be worth every penny.
“Get it,” he said, hauling loads of electronic equipment, a baby swing and some clothing from the gray, soaked unit Monday afternoon. “It’s worth it.”
{a policy is as inexpensive as $6 a month)

What is your Score? Can you pass as a good driver?

http://www.safe-driving-resource.com/driving-safety-quiz.html

Accidents have to be reported

Accident (Crash) Report*
Online (Not available at this time.)
*This form is required when there is a crash resulting in either an injury or total property damage of $2,000.00 or more. This report is not required if the crash was investigated by a peace officer. This form is housed on the home page for the Anchorage Police Department; however, this is a STATEWIDE form and is used for ALL crashes requiring a crash report.
For all crashes over $501.00, a Certificate of Insurance must be completed and mailed to DMV within 15 days to avoid cancellation of your drivers license due to the mandatory insurance law.
http://www.state.ak.us/dmv/forms/forms.htm

We get complaints from customers they did send in the info and get the nasty letter in the mail that it wasn't received. Please contact Juneau DMV after sending and verify they have it and recorded in the system. If you need help with the forms please don't hesitate contacting us.

Sad News


I had to give a dear friend/customer bad news today, he was declined for life insurance... Last year I had to provide this same news to six customers.. It is so important to apply when your young and healthy, most policy are renewable and convertible. Most life insurance plans are limited at work (pay for accidental death only) and when you retire, leave, get laid off the coverage stops.. many companies are looking for ways to cut costs right now and benefits are the first to go.. please be aware of what you have and don't procrastinate..

Homowners Insurance covers everything right?


One of the most common misconceptions about Homeowners Insurance is that it will cover recreational vehicles, such as snow machines, ATVs, and even boats. But the truth is, Homeowner’s Insurance is not meant to cover any motorized vehicles (with some limited exceptions). Snow machines, ATVs and boats are all designed for use away from the home. Yet, they are not approved for highway use, so they do not fit under auto insurance either. So a special “Recreational Policy” was designed to cover this unique risk. The coverage options for your ATV, boat or snow machine are similar to those of your auto policy; offering coverage for fire, theft, vandalism, collision, and even liability.

Distracted Drivers

Text messaging, talking on a cell phone, styling hair, watching a movie, writing a grocery list, nursing a baby or putting in contact lenses: Secondary activities have become an everyday occurrence behind the wheel of American motorists. A growing shift in focus from the roadway to a multitude of other tasks impairs the ability of modern drivers, and the U.S. traffic statistics mark this drastic change.

Facts about Distracted Driving:
Distracted driving is the number one killer of American teens. Alcohol-related accidents among teens have dropped. But teenage traffic fatalities have remained unchanged, because distracted driving is on the rise. (Children's Hospital of Philadelphia and State Farm Insurance Study and NHTSA Study)
While over 90% of teen drivers say they don't drink and drive, nine out of 10 say they've seen passengers distracting the driver, or drivers using cell phones. (National Teen Driver Survey)
Brain power used while driving decreases by 40% when a driver listens to conversation or music. (Center for Cognitive Brain Imaging at Carnegie Mellon University Study)
More than 80% of drivers admit to blatantly hazardous behavior: changing clothes, steering with a foot, painting nails and shaving. (Nationwide Mutual Insurance Survey)
Drivers on mobile phones are more impaired than drivers at .08 BAC. (University of Utah Study)
An estimated million people each day chat on their mobile or send text messages while driving. (The Herald)
http://www.negligentdriving.com/

Did you feel the Earthquake?


FAIRBANKS -- Feel that jolt? The Alaska Earthquake Information Center of the Geophysical Institute at the University of Alaska Fairbanks recorded an earthquake with a preliminary magnitude of 3.84 at 5:34 a.m. AKDT this morning. It was centered three miles south of Ester and was relatively close to the surface, ensuring it was felt by people across the Fairbanks area. No reports of damage have been received. The earthquake was followed by a minor aftershock two minutes later.
Fewer than 5% of our customers have Earthquake coverage, do you?

Grease Fire


WASILLA – A Wasilla area family lost their home Wednesday after a french fry cooking fire got out of control.
Central Mat-Su Fire Chief James Steele said the home owned by Henry Bendt near Mile 1.5 of Point Mackenzie Road suffered extensive damage. Two older teenagers were cooking french fries when the grease caught on fire. The blaze then spread to the surrounding cabinets despite the sisters’ efforts to put it out with a fire extinguisher, Steele said. Pouring baking soda on, or covering the fire with a lid are the best ways to deal with a grease fire, he said.
Two stories of the three-story home were destroyed although firefighters salvaged some pictures, guns and documents from the lower floor, he said. Steele estimated total damage to the home at around $300,000. He said Bendt told him the family had just moved in to the newly constructed home in November. The Red Cross is assisting the family, Steele said.

ATV?


The weather is perfect for riding.. did you know for $34 a year there is a policy that will cover injuries to your passenger, bystander or property to others? This is a small price to pay to ensure you don't get sued for the medical bills caused by an accident on your ATV. Call for more details..

Do you have Renters Insurance?


FAIRBANKS — An early morning fire at the Little Dipper Apartments displaced three families Tuesday morning.
The Fairbanks Fire Department was called to the apartment complex just after 3 a.m. to battle a fire that had started on a front porch. When firefighters arrived just four minutes later, the building was heavily involved in a fire that had also made its way into the roof.
Six adults and at least four children had to be relocated because of the fire, assistant fire chief Ernie Misewicz said.
Two of the families were transferred to other apartments, while the third is receiving assistance from the Red Cross.
The witness who first called 911 also banged on apartment doors to wake up the occupants, all of whom were apparently sleeping.
Because the flames were in the roof, smoke alarms did not go off.
One man received a minor cut to his arm while escaping through a back window.
Assistance was provided by the Fort Wainwright and University Fire Departments.
Damage to the building, which was insured, is estimated at between $140,000 dollars to $150,000 dollars..
“But on the positive side, we probably saved between $800 to 900,000 of personal belongings,” Misewicz said.
The fire, which was brought under control in about 30 minutes, appears to have been caused by an improperly discarded cigarette.
There have been several other such fires in the Fairbanks area recently. In fact, Misewicz said firefighters were called to put out a grass fire earlier Tuesday near the Little Dipper Apartments that was also likely caused by still simmering cigarette butt.
“Smokers must use extreme caution when disposing of smoking materials,” Misewicz said. “The simple act of throwing or tossing a lit cigarette can be disastrous.”
Article found:http://www.newsminer.com/news/2009/may/20/fairbanks-families-displaced-after-apartment-fire/

Renters insurance would cover your contents, and cover the cost to relocate you and your family to temporary housing for $5 a month.

Please drive safe


ANCHORAGE, Alaska -- Alaska State Troopers say this summer is off to a rough start on highways with seven deaths since mid-April.
Troopers say this is a common trend when the seasons change. They also say many of the deaths are preventable.
On Alaska's roads summer weather, a lot like winter weather, causes a certain negative trend.
"People are going out for different reasons and unfortunately we see a lot of stuff unfold on the highways," said Megan Peters, AST spokesperson.
Since the beginning of May troopers and Anchorage police have responded to more than 70 accidents involving injuries.
And since mid-April there have been seven fatal crashes on Alaska's roads, according to AST -- three involved motorcyclists, two ATVs and two rollovers.
"For people in cars, it's summer -- be aware there are people on motorcycles out there and they are harder to see than larger vehicles," Peters said.
The most recent fatal crash was late Sunday night on the Seward Highway at Tudor Road. Witnesses reported a lot of speed.
Police don't know if street racing was involved in this accident, but public safety agencies say they see it all the time. Even a quick YouTube check finds several street races on video.
"People drag race and they like to go fast on the highways," Peters said.
And now as the days get longer and warmer, and more drivers hit the highways officials are doing all they can to prevent anymore fatal accidents.
"Speed limits are there for a reason, traffic laws are there for a reason," Peters said.
Police and troopers urge drivers and passengers to buckle up and advise anyone on a motorcycle to wear a helmet.


Time to buy a new car?


Please contact us before purchasing a car for an insurance quote. With the trend of buying cars that provide better gas mileage, we notice these small/compact cars are higher to insure. Take a look around and find two to four cars and call for a quote.. takes a few minutes for us to work up a price and may help with your buying decision.

Email..


Many Internet Service Providers and individual email programs have filters in place to help control the email you receive, please make sure that you designate Allstate as a "Trusted Source."
For specific Internet Service Provider unblocking Techniques go to this link:
https://safelist.responsys.net/allstate/
Be sure to add me to your address book: katherinehood@allstate.com

Last Day of School


Today is the last day of school this time of year children are out playing in on and around roadways. Please drive extra cautiously and yield to our little people.

Is your house easy to find?

It's not something a person wants to think about, but what if an emergency were to occur at your house and the police, an ambulance, or a fire truck needed to get to you in a hurry? Believe it or not, every house on the street doesn't always have its number visible. There are many examples of homes with numbers that are out of sight or that are difficult to read from the street. It is summer and the list of To Do's are growing, please take the time to verify your address is clear and easy to read year round.

DMV Practice Test (what is your score?)


More fires in Alaska


Residents of two Russian Old Believer villages were under evacuation orders Wednesday night as an explosively expanding wildfire east of Homer crept menacingly closer.
The fire began the day at about 70 acres and nearly half contained. But as the sun went down in the smoky sky, the blaze was estimated at more than 700 acres and burning mostly out of control. Firefighters had given up trying to stop it, instead focusing their efforts on evacuating people and protecting homes.


The fire was threatening 20 homes about 15 miles northeast of Homer, Forestry spokesman John See said. The fire could grow to more than 1,000 acres overnight and endanger another 30 homes, he said.


One structure had been confirmed lost late Wednesday, but no injuries had been reported, said Sharon Roesch, fire prevention officer with the Forestry Department.
Rest assured forrest fires are covered by our agencies insurance policies (auto/rpp/boat/spec requires comp coverage)

What do you do if the Accelerator sticks?


A four-vehicle collision at Fifth Avenue and Airport Heights Drive has forced the closure of some lanes in the area this afternoon and left several people with injuries, according to Anchorage police.
The accident took place about 10 a.m. when Earl Stidham, 78, was driving west on Fifth/Glenn Highway at about 65 mph when he tried to slow down for traffic stopped at Airport Heights, said police spokeswoman Anita Shell.
The accelerator on Stidham's Ford Expedition apparently became stuck. The SUV rammed the rear of a Chevy Malibu driven by Conor Daugharty, 22, she said. Then it spun northbound on Mountain View Drive and sideswiped a Ford F250 pickup driven by Tommy Oswald, 50.
Stidham's SUV went another 100 feet north and struck a Pontiac Grand Am driven by Hung Ha, 36, before stopping.
Stidham and his passenger, Franklin Simmons, 76, were uninjured. The SUV is owned by Daugharty had to be extricated from his vehicle. He was transported to a local hospital and is listed in critical condition. His car was totaled, Shell said.
Oswald sustained a sprained ankle; his passenger wasn't hurt. The pickup truck could be driven away, Shell said.
Ha's nose was broken, she said.
Southbound lanes of Mountain View Drive north of Fifth Avenue will be closed this afternoon while the police investigate the accident, she said.


Fire Danger



A fire that broke out in the Mat-Su on Friday afternoon charred more than 9 acres of dry brush and grass, threatening several structures, before its advance was halted, according to the state Division of Forestry.
The fire broke out south of Wasilla off the Knik-Goose Bay Road near Carmel Road, and, fueled by dry brush and light winds, fanned up to 9 1/2 acres as state and borough officials mounted an offensive against it.
By late in the afternoon, the blaze had stopped its growth and was no longer threatening the structures, said Glen Holt, a forestry spokesman.
Dozens of firefighters from the Mat-Su Borough and the Forestry Division were aided by an aircraft dumping loads of water, and they had made significant headway battling the blaze, which despite no longer growing had still not been declared contained, Holt said.
The Forestry Division's Gannet Glacier and Pioneer Peak Hotshot crews were expected to continue working the fire through the evening, knocking the blaze down and putting out hot spots. Officials planned to watch the site for flare-ups over the next day, Holt said.
The cause of the fire remained under investigation.
Officials say fire danger is high in the Mat-Su, and that warm temperatures, dry conditions and light winds are expected to continue through the weekend. Although there were no burn bans in effect Friday, officials urged people to use caution.
Anchorage Fire Department spokeswoman Jen Collins said there have been a few small brush fires in Anchorage already this season. A bit of rain that fell during the week reduced the danger level to moderate, she said, but things are fast drying back out and the danger is rising.
"The bottom line is that there is a significant risk right now," she said. "It's springtime, and springtime means fires in Alaska."

Are you a doner?

Organ and Tissue DonationsAlaska state law allows a person to make an anatomical gift which is effective upon the applicant's death.
Life Alaska is sponsoring the donor registry to help facilitate the donation process and to help honor an individual's donation wishes. It is important that you make your family aware of your wishes, as family always have the final say.
To learn more about the Alaska donor program or to register with the Alaska Donor Registry online, please visit Life Alaska at http://www.lifealaska.org/., or call 1(800) 719-5433 (in Alaska). You may also contact http://www.shareyourlife.org./

(I am a tissue doner, are you?)

Please Change the Batteries in your smoke detectors


The family living in the home on Tyre Drive awoke to "crackling noises" as the fire spread, and while they escaped without injury, a pet died in the blaze, firefighters said. They estimated the damage to the home at $350,000 or more.
Firefighters arrived at about 2 a.m., less than 10 minutes after receiving the first call. They first focused on the threat to nearby homes because the fire's intense heat and flames had already begun to melt the siding, according to an Anchorage Fire Department press release.
The fire engulfed the upper floor and roof. It was brought under control after about 20 minutes, the release said.
The cause of the fire was not immediately available.

Rental Car Insurance (IMPORTANT READ)


Rental-Car Contracts Raise Coverage Stakes. Two revisions in rental-car contracts have significantly increased the renter's portion of the risk. One is an added charge for "diminution in value" whenever a rental car is repaired. The other is "before and after", a method of determining the renter's responsibility when a car is substantially damaged.

Diminution in Value-About five years ago, rental companies began holding the renter liable for a "diminution of value" charge when a rental car was damaged. This charge represents the reduction in a vehicle's market value due to its having been in an accident. When a repaired car is eventually sold, it brings a lower price.

When a renter returns a vehicle in damaged condition, he or she receives one bill for repairs and another for diminution in value. Most auto policies cover most of the repairs but few cover diminution in value. This exclusion was introduced for the personal auto policy in 1999, with one for commercial auto a few years later.

There has also been extensive litigation addressing how coverage applies in the absence of an exclusion. Most courts have found policies do not cover the exposure, so the renter can expect to self-insure for diminution in value. Unfortunately, that's not the end of the story.

Diminution in value is a concern when the rental company repairs a damaged vehicle--but today many cars are never repaired. With some types of damage, liability concerns make rental companies reluctant to return a repaired car to the fleet. Instead, they simply sell the damaged car for salvage. They then charge the renter the difference between the market value on the day of rental ("before") and the amount the car brought at the salvage auction ("after").

The following language is found in a the contract of a major rental car company: "If the car is damaged, you will pay our estimated repair cost, of if, in our sole discretion, we determine to sell the car in its damaged condition, you will pay the difference between the car's retail fair market value before it was damaged and the sale proceeds."

A recent Michigan example illustrates this practice. The insured rented a Ford Freestar with an estimated market value of $26,500 and brought it back damaged. The cost of repairs, loss of use and the appraisal fee totaled $7,800. The rental company chose not to repair the vehicle but to sell it at a salvage auction, where it brought only $11,700. The renter received a bill for about $14,800, or the difference between the before and after values. The renter's auto policy paid only the estimated repair costs, leaving a balance of almost $7,000. That became the responsibility of the renter--quite a significant self-insured retention.

"Both provision are being added to all rental car contracts," stated Jim Maher of Midwest Car Corp. The company holds a 17-city franchise for two major rental car lines. He added that since the renter has signed a legally binding contract, rental companies have no difficulty collecting.

As these new provisions are activated, the gap between what the renter owes and what his or her insurance will pay has become too wide to ignore.

Isn't some coverage for damage to a rental car included with a credit card? Only some credit cards provide any coverage for a rental car. It's generally excess over the renter's auto policy, and payment is limited to the cost of the repairs. A renter should not expect a credit card company to pay diminution in value or before-and-after charges.

There's really only once place renters can obtain full coverage and that's through the purchase of the loss damage waiver offered by the rental car companies.

The Loss Damage Waiver--Rental-car companies hold the renter responsible for all damage to the rental car, including an act of God. If a tree totals the rental car during a severe windstorm, the renter is liable. The rental company will waive its right to hold the renter responsible if he or she pays an additional fee and abides by the terms of the waiver. This waiver, which is not insurance, can add between $15 and $30 per day to the cost of the rental.

With the waiver, the renter will not be liable for any damage to the vehicle. He or she will not be charged for repairs to the vehicle, for diminution in value, for before-and after assessments or for loss of use. The renter can walk away from all responsibility for damage to the vehicle as long as he or she has not engaged in any prohibited use.

All rental car waivers have a clause voiding the waiver if the renter improperly operates the vehicle at the time of the accident. Although wording varies, most waivers prohibit reckless or intoxicated use or use off paved roads. There is no coverage if an unauthorized driver uses the vehicle, so handing the keys to a valet parking attendant voids the waiver. Theft of the vehicle is not covered if the keys are left in the car or if the vehicle is unlocked.

Buying the loss damage waiver is the only way to close the significant rental car gap that now exists. A renter must weigh the benefits against the cost. The renter who purchases the waiver should review the prohibited use provisions and avoid engaging in any activity that would void the waiver.
Were do we stand on this issue? Well the most important factor is inspect the car before leaving.. never never take off in a rental car with out a thorough inspection of the car and an inspection sheet with you. We pay for a lot of rental car claims every year that our clients say, "that damage was already there!" Secondly, I pay for the rental coverage offered by the rental company if I am renting a car for a day or two, maybe three... If I am renting a car for weeks, the cost usually doubles so I waive it. This article is factual and there is a risk of being left with a bill in the end, although rare.

A little humor

FAIRBANKS — Alaska State Troopers spent 90 minutes Saturday morning searching for a man celebrating his birthday in his birthday suit.
Joseph Vance Arabie, who turned 21 on Saturday, has been charged with indecent exposure and resisting arrest.
A trooper K-9 unit was on patrol just after 4:30 a.m. when the trooper spotted a naked man walking with a clothed woman on the bike path just off the Johansen Expressway. When the trooper approached, the man took off running, while the woman stayed behind.
The woman did not answer many of the trooper’s questions, but she had Arabie’s driver’s license.
After a 90-minute search, the trooper was able to locate Arabie with the assistance of the K-9. Arabie was wanted on three warrants.
Trooper Sgt. Brian Wassmann said that information was not available about why Arabie was naked.
“It’s certainly an unusual case,” he said.
http://www.newsminer.com/news/2009/may/05/troopers-arrest-man-birthday-suit/

Hot temps bring Flooding concerns.. very real




ANCHORAGE, Alaska - Parts of the old village of Eagle have been destroyed in the worst flooding in the city's history.
The National Weather Service on Tuesday says a significant ice jam continues to hold on the Yukon River at Eagle, located about 200 miles east of Fairbanks near the U.S.-Canadian border.
The weather service has a flood warning in effect until 10 p.m. Wednesday for ice jam flooding on the Yukon River from Eagle to Circle.
About two miles away from the old village of Eagle, in the new portion of town, the weather service says rising water pushed ice over the retaining wall and slammed house-size chunks into buildings.
A rise in water level early Tuesday lifted some buildings along Front Street off foundations and sent them down the river.
State officials say there have been no injuries associated with the flooding.


Buying a home?


What to look for when buying a home, some Insurance tips:

*The newer the lower the insurance

*Be aware of the Flood zone, X doesn't require Flood insurance, Zone A requires Flood insurance and can be very costly.

*Metal roof's cut your insurance cost (discount)

*Check the Fire Department (ISO Ratings 5 or less keeps your insurance low)

*$1,000 deductible is Recommended to keep your insurance cost low. Home insurance is for the major losses, unlike auto insurance, claims are rare.

Discounts

It is the time of year we are working in the yard and working on our homes. There are discounts for some upgrades to your home. Replacing your roof is a discount, metal has the greatest savings. If you have replaced your roof in the past two years please let us know, if you planned to this year or in the future be sure to let us know.

Motorcycle's


There has been several motorcycle accidents already this year. It is imperative to not only be aware of your surroundings at all times but check your mirrors prior to changing lanes. The nice weather and clear roads makes it a great time to ride. We have a site with some fun stuff:

*Motorcycle ring tone

*List of the most famous bike routes in the US

*Moto deals and discounts on Star Motorcycles

*Enter to win a Dave Perewitz customer bobbler

*Save a Biker program

Insurance tip: Please inform us of any after maket upgrades or parts for your motorcycle that exceed 1,000 dollars.

Fire Season?

FAIRBANKS — In addition to flooding because of ice jams in the Tanana River, the record-high temperatures this week also produced the season’s first wildfire alert.
On Thursday, the state Division of Forestry suspended all burning because of warm, dry conditions and officials cautioned residents to be careful now that the ground is snow-free.
“The ground basically freeze dries in the wintertime, and it burns quite readily as soon as the snow’s gone,” Fairbanks fire management officer Robert Schmoll said. “The fire danger stays high until we get some precipitation or things start greening up with new vegetation.”
The high temperature at Fairbanks International Airport hit a record 76 degrees on Thursday, breaking the record of 74 degrees set on that date in 1960. The 76-degree mark also was the highest temperature ever recorded in Fairbanks during April.
The high temperature on Wednesday was 74, breaking the record of 69 set in 2005.
Combined with humidities in the low teens, the warm temperatures have melted most of the snow and dried out the vegetation that has emerged.
“With the snow gone, people are going to want to burn,” Schmoll said. “We urge everybody to be very cautious and to follow specifications on their burn permits.”
A burn permit is required for any outside burning in the borough and permit holders must call the Division of Forestry each day before they burn.
(Fires are covered on policies with our company as long as not intentional)

Contents in your car


There has been a couple reports of stolen cars this week, and items stolen out of cars.. Coverage for the stolen vehicle is covered if you carry Comprehensive coverage. The contents in your car are not covered by your car insurance, they are covered under your renters or home insurance. Renters insurance is 60 dollars year (16 cents a day)
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