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Keslar Cares

Keslar Cares (1)

We at Keslar Insurance Agency are grateful for our customers and our business.

We understand that we couldn’t be where we are without the community around us.

We understand it is our obligation to support our community.

Therefore, we have put together Keslar Cares. As part of this program, we will feature some of our favorite organizations who provide wonderful services in our own backyard. It is our goal to support these organizations through a variety of initiatives.

  1. Annie’s Angels. Stratham, NH. Annie’s Angels is dedicated to helping families struggling financially with the challenges of life threatening diseases and disabilities by connecting neighbor to neighbor and friend to friend in a caring fundraising network. One of their most recent programs is “Chris’ Pets for Vets”. In this program local animal shelters will pair veterans with a free pet, so they can more easily deal with PTSD, helping to heal the deep emotional scars, and possible save their lives. Vets have sacrificed their well-being for us and our country, and now it’s our turn to help them in return!
  2. Soul Models.  Portsmouth, NH.  Sould Models is a nonprofit organization that serves middle school aged girls in the Southern Maine and Seacoast area. Our program curriculum follows the central themes of self-care incorporating mind, body, spirit, and heart. During the 10 week program, girls will explore these ideals through hands on activities that focus on the practice of mindfulness, yoga, creative expression, service, and leadership.
  3. Arts in Reach. Portsmouth, NH. Arts In Reach provides enriching after-school and vacation programs in performance and visual arts. Since 1997, we have been helping teen girls in Rockingham and Strafford counties of New Hampshire develop confidence and gain key life skills such as collaboration, goal-setting, leadership, and communication while discovering new and creative means of self-expression.
  4. End 68 Hours of Hunger. Dover/Oyster River/Newmarket NH. is a private, not-for-profit, effort to confront the approximately 68 hours of hunger that some school children experience between the free lunch they receive in school on Friday afternoon and the free breakfast they receive in school on Monday morning.
  5. Zebra Crossings. Dover NH. Zebra Crossings, based in Dover NH, provides a broad range of day and overnight programs throughout the year for children with a chronic health condition. Our programs serve youth who have a chronic health condition and those at risk of developing a chronic health condition. Programs are held at various locations throughout the New Hampshire Seacoast. Activities include recreational activities, such as art projects, sports, group games, archery, swimming, climbing wall, ropes course, kayaking, and more.
  6. On Belay. Durham, NH. On Belay builds community among youth who have or have had a family member with cancer using adventure based programs that encourage participants to uncover their inner resilience. On Belay offers programs throughout the year in Southern New Hampshire, Southern Maine and North Shore Massachusetts, with participants coming from towns all over New England.
  7. Connor’s Climb. Exeter, NH. Connor’s Climb provides suicide prevention education to New Hampshire youth and the community. The Connor’s Climb Foundation works to raise awareness and provide education for youth suicide prevention throughout New Hampshire.  CCF collaborates with teachers and schools, the public, and the mental health system to ensure that the young people of New Hampshire have the life-saving resources needed to prevent suicide.
  8. Oyster River Womenade. Durham, NH. They focus their efforts on Newmarket, Durham, Madbury and Lee. This organization provides assistance to community members in times of hardship.  They help when no other resources are available. Their belief is that by helping someone through a short term crisis, they can help keep their situation from becoming worse.
  9. Newmarket Food Pantry.  Newmarket, NH. The pantry provides food to those in need in the Newmarket Community, the community where we spend each business day. The food is provided in a caring atmosphere with dignity and respect. The Pantry is open each week and is operated by volunteers and funded through a combination of community support and federal programming.
  10. Exeter Hospital’s Center for Cancer Care/United in Wellness. Dedicated to providing the Seacoast with the hightest quality of care possible. Our team members have all felt compelled to give back, having been inspired by our caregivers’ real and lasting impact on the health of their loved ones, and, in some cases, inspired by a personal experience of treatment within our health system.We are united by the belief that wellness should be within reach for all those in our community. We’re passionate about community health, and about sharing that passion to engage our friends and neighbors. Most of all, we’re dedicated to maximizing our resources and our impact.
  11. Newmarket Area Lions Club. The Newmarket Lions club helps meet the needs of the town through projects such as hunger, vision, diabeties, the environment, etc.

If you would like to support any of these groups, please let us know as we quote your home/auto insurance and we will make a donation to them in your name. Please follow our Facebook, Twitter or LinkedIn pages to hear more about each of these groups and our goals to support them.

A trip in an RV shouldn’t ruin your marriage … or your day

RVs a great way to travel
RVs a great way to travel

Mistakes happen, especially when you’re somewhere unfamiliar, but the results of a recent survey may still surprise you.

The survey found that among RVers, a spouse is more likely to be accidentally left behind than the dog.

A leading RV insurer, The Progressive Group of Insurance Companies, surveyed more than 1,000 RVers countrywide to uncover amusing mishaps they’ve experienced while traveling.

The survey found that the most common blunders made while traveling are:

  • driving away with the steps extended;
  • backing into something;
  • misjudging overhead or side clearance space;
  • not connecting taillights correctly; and
  • running out of gas.

The survey found that 53 percent of RVers spend a month or more each year traveling the open road, and 42 percent travel more than 500 miles per trip.

Traveling the open road in an RV can be a great adventure, but sometimes it gets a little bumpy. That’s why RVers were also asked about their insurance. When mishaps happen, you want to get back on the road fast—ideally with all of your passengers on board.

Only 28 percent bought a stand-alone insurance policy with specialized RV coverages. In fact, 54 percent simply added their RV to their auto policy, and 14 percent didn’t buy any RV insurance.

Although mishaps can sometimes be funny, they can also lead to costly damages. Simply adding your RV to your auto policy can leave you woefully underprotected. It’s important to know what coverages are available to adequately protect yourself and your vehicle.

“There are huge differences in coverage and services from companies that specialize in RV insurance,” says Cathy Pelfrey, RV product manager at Progressive. “Check with your local independent insurance agent or do research online so that you buy the policy and coverages that are right for you.”

 

 

Sinking boat insurance myths

boat

You don’t believe in the Loch Ness Monster. You don’t believe your friend caught Jaws fishing off the Florida coast. So why do most boaters believe boat insurance covers them wherever they go?

Progressive surveyed more than 1,000 boat owners. It uncovered a few insurance myths floating around. Here’s a sample of the findings and the facts behind each:

 Myth: Everyone pays more for insurance because of the hurricanes from a couple of years ago.

Reality: Even though it’s believed by 74 percent of respondents, it isn’t true. Boat insurers generally price policies based on claims in each state. For example, Ohio customers won’t pay more for insurance because of hurricanes in Florida.

 Myth: Boat insurance covers me anywhere I decide to go boating.

Reality: Seventy-six percent of respondents believed this one. The reality is some insurers only provide coverage where the boat is used most. Insurers may limit coverage to 100 nautical miles of your home port. Progressive provides coverage virtually anywhere you decide to go in the continental U.S. and Canada.

 Myth: I’ll get a better insurance rate if I buy from the same company that insures my home or car.

Reality: Buying more than one product from the same insurance company doesn’t mean you get the best rate – even though 45 percent of respondents thought so. Boaters can save by shopping around and combining specialized policies from different companies.

“It’s important to understand what’s available,” said Dominic Mediate of Progressive. “You want to be properly protected in case your boat is stolen, you get into an accident or contents are damaged. We’re separating fact from fiction so boaters can make the best insurance decisions possible.”

Courtesy of Progressive Insurance.

Get ready for bike season in five simple steps

motorcycle
motorcycle

There’s nothing like cruising down the open road on your motorcycle – the wind in your hair and a few bugs in your teeth.

Before you hit the highways and byways this season, make sure your insurance policy is up to speed so that you and your bike are protected.

Here are a few tips from the experts at Progressive:

  1.  Make sure your insurance policy is still in force. Some companies have a winter layaway period when some coverages are restricted. Check with your insurance company to see if you have any type of limited coverage.
  2.  Update your policy. Let your insurance company know about any changes like additional riders, a new address or customized parts. A quick call to your independent agent can secure coverage that meets your needs.
  3.  Cover customized parts. Parts such as chrome plating, a new paint job, saddlebags or special rims usually increase the value of your bike. If you’ve added custom parts or equipment, make sure they’re protected.
  4.  If you don’t need it, drop it. If you own an older bike, check its value. Don’t pay for coverage that you don’t need. Consider dropping collision coverage if the premium equals 10 percent of the bike’s market value. Understand, however, that you won’t be covered if your bike overturns or collides with another object.
  5.  Shop around. Prices can vary from company to company, so shop around. Another tip: If you purchase comprehensive and collision coverage, consider raising your deductibles. This can lower the cost of your physical damage coverage.

Courtesy of our friends at Progressive Insurance.

Tips For Protecting Boats And Motorcycles

Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape.

Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Keslar Insurance Agency.

  • Evaluate your specific needs. Insuring a boat or a motorcycle is different than insuring your car or home. A specialized motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy.
  • Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services such as emergency on-water towing and fuel-spill cleanup. You probably wouldn’t get this coverage by adding a boat to a homeowner’s policy.
  • Consult with an independent agency – like Keslar Insurance Agency. Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverages, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.

“An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike,” said Jim Lloyd, of the Progressive Group of Insurance Companies. “Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing auto or homeowner’s policy, but independent agents and brokers can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you.”

To learn more about Progressive Boat and Motorcycle insurance, contact Keslar Insurance Agency at www.keslarinsurance.com.

The motorcycle may be the hottest accessory for women this year

From our friends at Progressive… Thought it was great to see the market for bikes expanding!
Posted by Elizabeth Delgado on 2/17/2014 at 8:32 AM

Forget the little black dress or a fabulous pair of shoes, the hottest accessory this spring is the motorcycle.  These days more women are ditching the heels for biker boots. They’re getting behind the handle bars and making people take notice. The bike is slowly becoming the hot new accessory for many women.

According to WomenRidersNow.com, the leading online motorcycle resource for women riders, the number of women riding a motorcycle has increased and shows no signs of slowing down. Women make up more than 12 percent of the bike riding population, up from 10.5 percent in 2009.

A recent study conducted by Harley-Davidson indicated women riders are happier than women who don’t ride. As part of the study, 1,013 riders and 1,016 non-riders were interviewed, and the findings are remarkable. The results show that women, who ride feel happier, feel more confident about themselves and most importantly they feel sexy.  Claudia Garber, Director of Women’s Outreach for Harley-Davidson said that “Riding a motorcycle is the ultimate form of freedom and self-expression, so it makes sense that women riders are happier in life and, in general, feel more fulfilled,”.  Check out the article for more detailed results on the study.

I recently visited the Progressive International Motorcycle Show in Cleveland and not only was I surprised at the amount of women checking out the latest bike trends, but I noticed how happy they all seemed to be sharing tips with each other. As I was walking by the Harley-Davidson booth, something purple and sparkly caught my eye. I had to stop and take a better look, the last time I had this reaction was when I walked by the shoe store and saw the newest Louboutins. Harley has clearly been doing their homework, they managed to get a woman who has never been interested in bikes stop and take notice. I have never wanted to ride a bike but at that moment being surrounded by other avid female bikers, I had the sudden urge to get on that beautiful bike.  Who knows maybe one of these days I will build up the courage and learn how to ride.

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