Free Adventure Kits

Medford, Oregon
By: Mar

General Information Medford, Oregon is a small town located in Jackson County, Southern Oregon. It has a population of 63,154 and a land area of 21.7 square miles. Its elevation is 1382 feet and its zip codes are 97501 and 97504. What is there to do? You are sure to find the latest movies playing at Medford’s main movie theatre: Cinemark Tinseltown USA. If you are an avid golfer, Medford also has many great golf courses for you to enjoy such as Bear Creek Golf Course And Range, Cedar Links Golf Club and Quail Point Golf Course. It is also the home of many great restaurants like Cancun Grill Mexican Restaurant, India Palace Fine India Cuisine and Kaleidoscope Pizzeria And Pub. Where can I stay? If you are only staying for a short period of time, you will probably want to stay in one of Medford’s many hotels. You will find all of the well known chains like La Quinta Inn And Suites, Best Western and Holiday Inn Express and also some nice local ones like Grants Pass Travelodge, Bella Rosa Inn and Riverside Inn Motel. If you plan on staying for a while, you may want to rent an apartment in Medford. A few that come to mind are Brentwood Apartments, Cedar Tree Apartments and Morningside Apartments. If you like Medford so much that you want to stay there permanently, the real estate market there is great too. Other things Medford also has a large selection of excellent doctors and dentists (as well as many other businesses) so there is no need to worry about having a heart attack while taking in all of the sites or getting a toothache while dining at one of their many restaurants. No matter what you are into, you’re sure to be able to find something fun to do in Medford, Oregon. What are you waiting for? Get out your map and aim for Medford!

Copyright, 2006 Matt Martin Graphic & Web Design

***

Everything You Ever Wanted to Know About Insuring Your Boat
By: Rory H. Hawkins

Choosing an Insurance CompanyThere is no right answer when someone asks which boat insurance company is the best. Most boat owners are simply looking for an insurance company that knows about boat coverage and provides quality service as well as support. Insuring your boat with the same company that issued your auto, life, or homeowners insurance can have certain advantages. Though it does pay to work with a company who thoroughly understands boat and yacht insurance. With any luck your present insurer knows a good bit about boats. If not, your best option is probably to go with experienced boat insurers.Liability CoverageWhile there may be some variation in boat policies, the main types of coverage are physical damage and liability coverage. The limit of liability varies based on whether or not the insured is legally required to raise, remove or destroy the boat. Theft will not be covered if the boat is off the "residence premises." Liability coverage is only available for certain smaller boats. Basic boat insurance should always cover physical damage as well as liability. Liability may also provide the necessary coverage for legal representation should it become essential from any incidents involving your boat. Don't forget to insure your boat against damage, sinking, and most importantly, accident liability. Personal Umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home or boat policies provide. Therefore, a specific boat or yacht policy is required to provide coverage for the boat and equipment, personal property and liability.Insuring YachtsGenerally speaking, yacht coverage is broader and more specialized because larger boats travel further and have more unique exposures. Also, many marinas and yacht clubs won't allow you to dock your boat unless you're insured. Additional coverage can be obtained by purchasing a boat policy, a yacht policy, or a personal watercraft policy. It should be noted that, in the pleasure boating industry, boats can be insured either under a yacht policy or a boat policy. One of the main criteria insurers weigh when it comes to insuring a boat or yacht is the owner's boating background. Most yacht policies today also include a specific amount for personal property carried or stored aboard, other than regular boat equipment. Damage to Your BoatDepending on how you use your boat, you may or may not want coverage for fishing gear, hurricane damage, hurricane haul-out expenses, etc. Physical damage insurance is usually called hull insurance although it takes in the whole boat. In fact, there was not one but two insurance coverage forms designed to protect against damage to stored boats. These policies usually also REPAIR the boats with a deduction for depreciation. The restrictions and limitations on material damage to the boat, as provided by homeowners insurance, are many. Value is ImportantYou should insure your boat for market value. A basic policy which will insure your boat for depreciated value will be the cheapest. Another option is to insure the boat for an agreed upon replacement value. The higher the agreed replacement value of the boat, the higher the deductible and the cost of the insurance policy. They should insure the value of the boat - not what you paid for it. should also increase the coverage to reflect the increasing value of the boat.

Rory H. Hawkins writes about boat insurance guide and other interesting topics. For more information on boat insurance company visit us today.