Spectrum June 2013 Issue - The Spectrum Magazine - Redwood ...

Insurance Tips: Protect Yourself Before Hitting the Road by Getting RV Insurance Coverage
By Hector Flamenco, Special to The Spectrum
Ahhh… Recreational vehicle and motor home travel. But, as
you are relaxing, have you made sure you have adequate
motor home or trailer insurance? Yes, it is a nice convenience
to travel by motor home or trailer, because you get to take
along the comforts of home. Whether camping or just RVing,
having the comfortable luxuries of furniture, cookware, TVs
and even a cell phone and computer access right at your side
makes for a nice vacation. Unfortunately, though, by forgetting to review
their motor home insurance and trailer insurance coverage, many RVers don’t
take the time to adequately insure all of those comforts.
You do need a separate motor home insurance policy
or trailer insurance policy
A common practice for RV owners is to insure their RV under their current
auto policy instead of purchasing a separate motor home insurance policy.
But too often the owner does not take the time to read what and how much is
covered under their auto policy. In many instances, RVs are not adequately
covered under auto policies.
Don’t forget about personal property
RV owners often hesitate to buy RV insurance for their personal property
because they think that the personal property in their RV will be covered
under their homeowners policy. This is true, but coverage on personal
property is limited when the property is kept somewhere other than the
“residence premises.” Often the limit in a standard policy is very low and the
usual policy deduction would apply.
You may need to search for a specialty trailer
insurance or motor home insurance company
To insure proper and adequate coverage, an RV owner should add separate
RV insurance coverage to their current auto policy. If the RV owner’s
insurance carrier does not have this type of coverage available, there are
insurance companies that specialize in RV insurance coverage. Usually the
cost is minimal, especially compared to the alternative of finding out the RV
and its contents were not covered after a disaster happens.
Editor’s note: Please note that this article is for general information only and is not a professional
consultation. Always seek specific information from a licensed insurance professional. Hector
Flamenco is an agent with State Farm Insurance. Visit his website at www.flamencoinsurance.com.
Senior Activities
The Veterans Memorial Senior Center, 1455 Madison Ave., Redwood City,
is providing the following activities that are open to the public during the
month of June.
Friday Movies for Everyone
Every Friday, 1:15 p.m. (unless otherwise announced)
Come to the Veterans Memorial Senior Center for a free feature movie in
our state-of-the-art movie theater! We always try to have popular recent
releases. Please note: Movies may be changed at any time due to availability.
Whenever possible, movies are shown with captioning.
June 7: “Silver Linings Playbook”
June 14: “Hitchcock”
June 21: “Zero Dark Thirty”
June 28: “Promised Land”
SamTrans Trip to the Senior Day
at the San Mateo County Fair
Tuesday, June 11, $1 each way
Learn how to ride the bus to the fair. To participate in this fun-filled “field
trip,” you must attend the planning meeting on Tuesday, June 4, 1:15–2:30
p.m., in our Goldstar Room in the Main Building. To sign up, call Donna at
650-369-6650. Space is limited. This will be a day of fun; don’t miss out!
Bingo, Bunko & Bridge
June 22, 11:30 a.m.–4 p.m., $35/person
Sponsored by the Peninsula Hills Women’s Club, this event will be held to
raise funds to support families of veterans in recovery at Fischer House in
Palo Alto. Lunch will be included in the price of your ticket. Call 650-366-
6860 to make your reservation for this fun-filled event.
Lunch
Tuesdays, Wednesdays and Thursdays, noon
Redwood Room, $5
Our new chef, Gavin Gonzado, executive chef at Portobello Grill here in Redwood
City, is now cooking on-site and our diners rave about the variety and quality
of the meals he’s preparing. Our meals always include soup or salad, an entrée,
dessert and your choice of beverage: coffee, tea, milk, water or all four. Make
your reservation for Tuesday, Wednesday or Thursday at 650-780-7259.
Chair Yoga With Ruth West
Wednesdays, 10:30–11:30 a.m.
Sunset Room, Main Building, $5 drop-in
Want an easy exercise program that will help improve your flexibility and
overall heath? Then this is the program for you. This is an ongoing class, so
no registration is required. Just come on in and start or continue your journey
to greater wellness. For more info, call the Adaptive PE folks at 650-368-7732.
SAVE THE DATE
Fourth of July Gathering:
A Traditional Barbecue With All the Fixins
Wednesday, July 3, noon, $8/person
Come and celebrate our nation’s birthday. If you’ve been before, you know
this is a fun time to spend with old friends and new. If you haven’t been to
our July Fourth gathering yet, now’s your chance to join in the fun.
Holiday Closure
Please note: The center will be closed on Thursday, July 4, and Friday, July 5.
We will reopen for our regular hours and programs on Monday, July 8.
Active Aging Week
Sept. 23–27
Once again our good friends in the Adaptive Physical Education program will be
hosting this health and wellness minded week of activities and presentations.
We will have more information for you as the event draws nearer.
To learn more about the Veterans Memorial Senior Center, call 650-780-
7270. Redwood City Parks, Recreation and Community Services Department
provides recreational facilities and activities for all ages and interests, and
supplies building and custodial services for city buildings. Redwood City
Parks also operates the Veterans Memorial Senior Center and the Fair Oaks
Community Center, providing social, educational and cultural activities, as
well as information, referral and counseling services to persons living in
Redwood City and neighboring communities. Redwood City Parks is more
than you think! Its website is located at www.redwoodcity.org/parks.
The Spectrum 25