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~Alex Hastings~
Hastings Insurance Solutions LLC
~Guide One~

872 Tanglefoot Ln
Bettendorf IA 52722

563-355-0262 Office
641-494-9494 Cell
855-355-0262 Fax

ExpertInsuranceSolutions
@gmail.com

www.HastingsInsurance
Solutions.com

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Are You in Danger from Identity Theft?

At least nine million Americans have been the victims of identity theft. Don't be one of them!

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What cult classic flick was first introduced in 1975?
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Recipe: Grilled Asian-Inspired Tacos

Serves 6
  • 1 tablespoon sriracha sauce (optional)
  • 2 tablespoons grated fresh ginger
  • 2 tablespoons light brown sugar
  • 2 tablespoons rice wine vinegar
  • 2 tablespoons soy sauce
  • 3 tablespoons vegetable oil
  • 2 1-pound beef sirloin steaks
  • 12 corn tortillas, warmed before serving
  • 1/2 cup cilantro, roughly chopped
  • 1 cup shredded Asian pear
  • Lime wedges
In a medium bowl, whisk together the sriracha, ginger, brown sugar, vinegar, soy sauce, and oil. Pour into a large plastic zip bag with steaks. Marinate in the refrigerator for at least an hour and up to a day, turning occasionally.

Heat grill to medium-high. Brush grates with oil. Remove steaks from marinade and place on grill. Cook for 4-5 minutes on each side or until internal temperature reads 130-140 degrees for medium rare. Remove from grill and rest for 10 minutes.

Slice thinly. Divide among warmed tortillas and top with cilantro, shredded pear, and a squeeze of lime.
Worth Quoting

This month, some famous quotes on the topic of home:

A house is not a home unless it contains food and fire for the mind as well as the body.

Benjamin Franklin

The ache for home lives in all of us, the safe place where we can go as we are and not be questioned.

Maya Angelou

There is something permanent, and something extremely profound, in owning a home.

Kenny Guinn

Please don't reply to this e-mail.
Send me your questions directly at ExpertInsuranceSolutions@gmail.com Then we know I get your request.
Thanks and Have a Great Summer!


Inside Your Newsletter this Month...
Extra Coverage Can Help 'Float Your Boat' This Summer

Many boat owners assume their boats are covered under homeowners insurance policies. Homeowners insurance typically offers up to $1,000 in coverage for boats, boat trailers, motors, and related equipment-perhaps sufficient for small craft owners. However, the following exclusions exist:

  • Losses in the water, including damage from sinking and collision, including hitting rocks or other debris.
  • Wind loss if your boat is left in the open. Keep boats in a locked building on your property.
  • Flood damage.
  • Theft losses if they occur off your property. Take extreme safety measures to avoid theft when the boat is off your property.
Owners of high-value, regularly used boats may want to consider extra coverage, such as:
  • Coverage for hazards like sinking and collision is available as "special perils coverage." Annual premiums are about 2 percent of the value of the boat and its related equipment, with at least a $100 deductible required. Higher deductibles mean lower premiums-which is good only if the premium savings justify the higher out-of-pocket expenses if losses occur.
Also, special perils coverage can usually be bought as a "scheduled item" on homeowners insurance. If you don't have homeowners insurance, and/or need to save some money temporarily while still having limited coverage, some insurers may allow you to add your boat to your auto insurance. This should be considered temporary; you have the same limitations in coverage as with homeowners insurance, and this solution won't cover loss of personal property on the boat.

This Month's Smile: DIY Jokes

SmilesWe all love to laugh at - or with - the Do-it-Yourselfer in our homes. But there's just a bit of admiration accompanying the laughter. Here are some great jokes about DIYers whose projects don't always turn out right.

Last week I replaced every window in my house. Then I discovered I had a crack in my glasses.

I got a self-assembly wardrobe. It didn't work. I got it out of the box, but it just didn't do a thing.

I put six locks on my door. When I go out, I lock every other one. I thought that no matter how long somebody stands there picking locks, they're also locking three of them.


And, especially for the DIY overachiever: My husband just built a set of shelves for our house and now he's writing some books to put on them.


Make BBQ Season Sizzle with These Grilling Tips

Steak Grill masters, rejoice: Prime barbeque season is here! To make the most of your time behind the grill, consider the following hot tips:

  • It's hard not to dive right into a steak fresh off the grill. But you and your guests will be rewarded for your patience. Tent steak (and other meats) with tinfoil and let rest for about 10 minutes. The meat's juices will distribute evenly, ensuring maximum flavor and texture.
  • No thermometer? No problem. EatingWell.com has a hot trick for gauging the heat of a grill with your hand. Hover your open palm about thirteen centimeters (five in.) above the rack. If the fire is high, you'll likely need to move your hand within two seconds. If it's at medium, it will be about five seconds. If the heat's low, you'll probably want to move your hand at about ten seconds.
  • When should you use direct heat and when should you use indirect? Elizabeth Karmel, a grill pro and author of Taming the Flame, gave Better Homes and Garden (BHG) this tip: if the food item requires less than twenty minutes to cook, use direct heat. If it takes longer, use indirect heat.
No one likes a dry kebab. Jamie Purviance, author of Weber's Way to Grill: The Step-by-Step Guide to Expert Grilling, told BHG to stack ingredients close together on the skewer to keep them juicier longer. But don't cram them.

Of course, grilling isn't only about the food; it's also about the outdoor experience. In a recent National Post story, landscape designer and builder David Veron recommended installing backyard elements that lend themselves to an activity, such as an outdoor pizza oven and an outdoor fireplace. The best part? They aren't just for summer. Brave enthusiasts can fire up the grill in the winter and hang out-bundled up, of course-by the outdoor fireplace while they cook.

Does My Car Insurance Cover Other Drivers?

Many people are concerned about lending their cars to friends. They should be. They could be liable. If someone drives your car, it's important to know if you're protected.

States' laws and insurers' rules vary; your agent can explain them as they apply to you. In the meantime here are some general rules of thumb concerning who's covered by your policy when driving your car.

Permissive Use Drivers (PUD)

PUDs have permission to borrow your car occasionally. For example, if a friend borrows your car to run to the store, are you covered?

Yes, but note that in a PUD accident, you and the PUD could face lawsuits to cover remaining accident costs if your policy's liability limits are exhausted and your PUD has no coverage of his own. If the PUD does have vehicle insurance, the not-at-fault party can make a claim on this policy.

Household Members

Each state and insurer has different laws about household residents with drivers' licenses who drive another household member's vehicle.

Are your household members covered?

Maybe, depending on your state, insurer, and whether the household member is an excluded driver, nondriver, or driver on your policy.

If a household resident owns a vehicle and has his or her own insurance, he or she may be excluded from your policy; claims won't be covered under your policy if this person has an accident while driving your vehicle.

If a household member classified as a nondriver has an accident driving your car, your claim would likely be covered. But nondrivers with licenses are rated on your policy as drivers, so if they have a bad driving record, this will impact your premiums.

If you don't disclose household members, your insurer can deny claims and cancel your policy, and you could be sued and/or possibly charged with insurance fraud. When it comes to insurance, honesty is the way to the best policy.

 

This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale....
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