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Educate Your Kids About Summer Bike Safety

Summer is almost here, and your kids will be out of the house playing and biking all over the neighborhood.   Now is an excellent time to teach them about riding their bicycles in a safe manner.  Your homeowner’s policy can provide coverage for bicycle theft, and some homeowner’s policies have low coverage limits for things like sporting equipment.  If you own a high-value bike, you may want to make sure it is properly covered.  Remember any loss covered will be subject to your homeowner’s insurance deductible.

Bike Safety Tips

  • Always have your child wear a properly fitted helmet.
  • Maintain your bikes regularly to be sure they are functioning properly.
  • Do not get distracted.  Do not listen to music or talk on the phone while bike riding.
  • Whether daytime, dawn, dusk, foul weather, or at night, you need to be seen by others.  Simply wearing white does not ensure your visibility. 
  • Avoid riding at night.
  • Go with the flow.  Bike in the same direction as traffic.
  • Obey all traffic laws.  A bicycle is a vehicle, and you are a driver.  When you ride in the street, obey all traffic signs, signals, and lane markings.

We are an independent agency focusing on the needs of our clients.  We have relationships with dozens of insurance companies, allowing you to get the most competitive price along with our fast service. Whether you have the ideal history preferred companies desire or a not so perfect history, we offer the products for you.  Certain types of changes to your policy can be requested directly from our website twenty-four hours a day, seven days a week by selecting any of our convenient forms located at the left.  As experienced and professional independent agents, we offer the fundamental coverages with the personal touch you would expect from any of our local St Louis metro area Alternatives Insurance® locations. 

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