Spectrum June 2013 Issue - The Spectrum Magazine - Redwood ...
Spectrum June 2013 Issue - The Spectrum Magazine - Redwood ...
Spectrum June 2013 Issue - The Spectrum Magazine - Redwood ...
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Insurance Tips: Protect Yourself Before Hitting the Road by Getting RV Insurance Coverage<br />
By Hector Flamenco, Special to <strong>The</strong> <strong>Spectrum</strong><br />
Ahhh… Recreational vehicle and motor home travel. But, as<br />
you are relaxing, have you made sure you have adequate<br />
motor home or trailer insurance? Yes, it is a nice convenience<br />
to travel by motor home or trailer, because you get to take<br />
along the comforts of home. Whether camping or just RVing,<br />
having the comfortable luxuries of furniture, cookware, TVs<br />
and even a cell phone and computer access right at your side<br />
makes for a nice vacation. Unfortunately, though, by forgetting to review<br />
their motor home insurance and trailer insurance coverage, many RVers don’t<br />
take the time to adequately insure all of those comforts.<br />
You do need a separate motor home insurance policy<br />
or trailer insurance policy<br />
A common practice for RV owners is to insure their RV under their current<br />
auto policy instead of purchasing a separate motor home insurance policy.<br />
But too often the owner does not take the time to read what and how much is<br />
covered under their auto policy. In many instances, RVs are not adequately<br />
covered under auto policies.<br />
Don’t forget about personal property<br />
RV owners often hesitate to buy RV insurance for their personal property<br />
because they think that the personal property in their RV will be covered<br />
under their homeowners policy. This is true, but coverage on personal<br />
property is limited when the property is kept somewhere other than the<br />
“residence premises.” Often the limit in a standard policy is very low and the<br />
usual policy deduction would apply.<br />
You may need to search for a specialty trailer<br />
insurance or motor home insurance company<br />
To insure proper and adequate coverage, an RV owner should add separate<br />
RV insurance coverage to their current auto policy. If the RV owner’s<br />
insurance carrier does not have this type of coverage available, there are<br />
insurance companies that specialize in RV insurance coverage. Usually the<br />
cost is minimal, especially compared to the alternative of finding out the RV<br />
and its contents were not covered after a disaster happens.<br />
Editor’s note: Please note that this article is for general information only and is not a professional<br />
consultation. Always seek specific information from a licensed insurance professional. Hector<br />
Flamenco is an agent with State Farm Insurance. Visit his website at www.flamencoinsurance.com.<br />
Senior Activities<br />
<strong>The</strong> Veterans Memorial Senior Center, 1455 Madison Ave., <strong>Redwood</strong> City,<br />
is providing the following activities that are open to the public during the<br />
month of <strong>June</strong>.<br />
Friday Movies for Everyone<br />
Every Friday, 1:15 p.m. (unless otherwise announced)<br />
Come to the Veterans Memorial Senior Center for a free feature movie in<br />
our state-of-the-art movie theater! We always try to have popular recent<br />
releases. Please note: Movies may be changed at any time due to availability.<br />
Whenever possible, movies are shown with captioning.<br />
<strong>June</strong> 7: “Silver Linings Playbook”<br />
<strong>June</strong> 14: “Hitchcock”<br />
<strong>June</strong> 21: “Zero Dark Thirty”<br />
<strong>June</strong> 28: “Promised Land”<br />
SamTrans Trip to the Senior Day<br />
at the San Mateo County Fair<br />
Tuesday, <strong>June</strong> 11, $1 each way<br />
Learn how to ride the bus to the fair. To participate in this fun-filled “field<br />
trip,” you must attend the planning meeting on Tuesday, <strong>June</strong> 4, 1:15–2:30<br />
p.m., in our Goldstar Room in the Main Building. To sign up, call Donna at<br />
650-369-6650. Space is limited. This will be a day of fun; don’t miss out!<br />
Bingo, Bunko & Bridge<br />
<strong>June</strong> 22, 11:30 a.m.–4 p.m., $35/person<br />
Sponsored by the Peninsula Hills Women’s Club, this event will be held to<br />
raise funds to support families of veterans in recovery at Fischer House in<br />
Palo Alto. Lunch will be included in the price of your ticket. Call 650-366-<br />
6860 to make your reservation for this fun-filled event.<br />
Lunch<br />
Tuesdays, Wednesdays and Thursdays, noon<br />
<strong>Redwood</strong> Room, $5<br />
Our new chef, Gavin Gonzado, executive chef at Portobello Grill here in <strong>Redwood</strong><br />
City, is now cooking on-site and our diners rave about the variety and quality<br />
of the meals he’s preparing. Our meals always include soup or salad, an entrée,<br />
dessert and your choice of beverage: coffee, tea, milk, water or all four. Make<br />
your reservation for Tuesday, Wednesday or Thursday at 650-780-7259.<br />
Chair Yoga With Ruth West<br />
Wednesdays, 10:30–11:30 a.m.<br />
Sunset Room, Main Building, $5 drop-in<br />
Want an easy exercise program that will help improve your flexibility and<br />
overall heath? <strong>The</strong>n this is the program for you. This is an ongoing class, so<br />
no registration is required. Just come on in and start or continue your journey<br />
to greater wellness. For more info, call the Adaptive PE folks at 650-368-7732.<br />
SAVE THE DATE<br />
Fourth of July Gathering:<br />
A Traditional Barbecue With All the Fixins<br />
Wednesday, July 3, noon, $8/person<br />
Come and celebrate our nation’s birthday. If you’ve been before, you know<br />
this is a fun time to spend with old friends and new. If you haven’t been to<br />
our July Fourth gathering yet, now’s your chance to join in the fun.<br />
Holiday Closure<br />
Please note: <strong>The</strong> center will be closed on Thursday, July 4, and Friday, July 5.<br />
We will reopen for our regular hours and programs on Monday, July 8.<br />
Active Aging Week<br />
Sept. 23–27<br />
Once again our good friends in the Adaptive Physical Education program will be<br />
hosting this health and wellness minded week of activities and presentations.<br />
We will have more information for you as the event draws nearer.<br />
To learn more about the Veterans Memorial Senior Center, call 650-780-<br />
7270. <strong>Redwood</strong> City Parks, Recreation and Community Services Department<br />
provides recreational facilities and activities for all ages and interests, and<br />
supplies building and custodial services for city buildings. <strong>Redwood</strong> City<br />
Parks also operates the Veterans Memorial Senior Center and the Fair Oaks<br />
Community Center, providing social, educational and cultural activities, as<br />
well as information, referral and counseling services to persons living in<br />
<strong>Redwood</strong> City and neighboring communities. <strong>Redwood</strong> City Parks is more<br />
than you think! Its website is located at www.redwoodcity.org/parks.<br />
<strong>The</strong> <strong>Spectrum</strong> 25