callClick to Call
Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

How To Ride Your Motorcycle Safely When Group Riding

Posted on by admin

Group riding is a popular activity month some motorcycle enthusiasts. However, riding in a group can be just as dangerous as riding itself, especially when those with a variety of riding experiences participate. To avoid creating dangerous situations for co-riders and drivers on the road, our agents at Fenzl Insurance Agency in Hamburg, NY offer these group riding tips.

Motorcycle Safety When Group Riding

Have a Plan Before Hitting the Road

Communicate with other riders to discuss a few plans for the journey. Determine stopping points and the travel distance goal and choose a ‘leader’ of the pack. Discuss line order, placing the leader (who’s usually a highly experienced rider) and less experienced riders travel right behind the leader. This is called a formation.

Ride in Formation

With the leader in front, stagger everyone else riding behind them, and stay in formation throughout the ride. Ride somewhat close to each other, but leave enough space in the front and back and on each side to allow for reaction time to avoid other vehicles, bikes, and road hazards.

When Passing Stay in Formation

Making turns and passing other vehicles when group riding is more complex than a single rider’s efforts. Because bikes are staggered in formation mode, there is a method of passing and turning. Take these actions one bike at a time, starting with the lead rider. The return to staggered formation.

We Are Here To Help

Motorcycle riders often opt to carry higher coverage limits beyond the standard policy. Accidents can be severe or minor, resulting in costly medical bills, not to mention replacing your bike. Regardless of how you ride, let Fenzl Insurance Agency in Hamburg, NY help you learn more about finding the right motorcycle insurance for you. Contact us today.

Top 3 Home Insurance Add-ons For Full Protection

Posted on by admin

Your primary home insurance policy offers a good deal of protection, but there are certain incident damages and property theft situations that it won’t cover. This is where ad-ons (aka riders or endorsements) can fill any potential coverage gaps. Our experts at Fenzl Insurance Agency in Hamburg, NY detail the top three home insurance add-ons owners may need.

Top 3 Home Insurance Add-ons

1. Equipment Breakdown Coverage for Homes

Equipment Breakdown Coverage (EBC) is more commonly known as appliance coverage, but it also covers electronics, HVAC systems, home gym setup,s and more. With the costs of replacements these days, EBC can be very useful for homeowners. However, there are exclusions, such as pool and spa pumps and other devices, but other add-ons are available to cover damage to pools and other high-cost equipment.

2. Incidental Water Backup Coverage

Investing in Water Backup Coverage (WBC) this add-on helps homeowners enjoy adequate protection from water damage. While it doesn’t cover flooding due to acts of God, it does cover damage to belongings and floors should a pipe leak or the sump pump back up. Note, the pipe itself isn’t covered, just damage for affected possessions.

3. Extended Reconstruction Cost Ads-on

As the cost of construction materials and labor gets higher, it can cost more to rebuild a home than the basic insurance valuation. This could be financially disastrous should the structure suffer complete destruction or non-reparable damage. An Extended Reconstruction Cost (ERC) add-on covers a specific percentage beyond basic coverage when costs are higher than expected.

Reach Out To Us

Your home and its contents are likely precious to you, and keeping them protected is essential. Go the extra mile and get any add-ons that may prove useful in saving you money. Talk to one of our experienced insurance agents at Fenzi Insurance Agency in Hamburg, NY to get solid advice and great rates.

Insurance Blog