Monday, August 29, 2011

Do You Really Understand Your Insurance Policy?

Horizon offers the best policies.


   Most everyone has some type of insurance policy containing the terms below. Familiarize yourself with each section.

   The common sections of most policies include the following:


  Declarations. The Declarations Page is basically the first page(s) of the policy package. It “declares” who the insured is and what time period the policy covers. It also provides general information including address, description of what’s insured, coverages and limits.
·       Definitions. This section defines certain keywords in an insurance contract. It’s important to read these definitions, because your personal definition of a certain word may be different from the policy’s definition. If you still come across wording you don’t understand, log on to the Insurance Information Institutes site at
·       Coverages. The coverage area describes the specific insurance provided by listing what property is covered and for what perils. Many insurance contracts provide comprehensive coverage, meaning everything is covered unless it’s specifically listed as excluded. Be sure to read this section carefully so you know whether your policy is listing a peril as covered or not covered.
·       Exclusions. The exclusion portion describes what coverage limits exist or how coverage may not apply depending on how the loss occurs.
·       Limits and special limits. This section explains how much the insurer pays for particular losses or types of property. So, while something is covered, it may only be covered for a specific dollar amount or for a limited percentage of the entire loss.
·       Conditions. This area basically lists the ground rules of your policy. It tells you what the insurer’s responsibilities are, and what your responsibilities are as the customer. This includes information on how to cancel your policy and subrogation.
·       Endorsements. Endorsements are optional coverages you can add to a standard policy.

Horizon offers policies to provide the coverages you want.
Not everybody insures vacant, landlord and rental property, but Horizon does. Horizon provides specialized coverage with a program that can be easily customized.

Still not sure what your policy provides? Call me to discuss your coverage and find out how to get a flexible package from Horizon. (866) 479-2777

Get a free quote online at:

More information can be found at:

Friday, August 19, 2011

Horizon Income Summer Contest "What I Did This Summer!"

   It's been a great summer for car shows, day trips, and longer road trips. Now that summer is winding down, and everyone is getting ready for back to school, we thought it would be great to hear what you did this summer. So, it's time for our summer contest, "What I Did This Summer!".  Tell us what you did this summer. Earn extra points if it involved your car, and extra extra points if you post a picture to share.  Our winner will earn a Horizon Income trucker hat, and a surprise gift!  Since every great contest has rules, here are ours:

No purchase necessary to enter
Contest runs until September 30, 2011
Winners contacted via email
Once notified, winners are responsible for providing their contatct information.
Postal address must be provided within two weeks of notification
This promotion is in no way sponsored, endorsed or administered by, Facebook,Blogger, or Twitter. You understand that you are giving your information to Horizon Income and not to Facebook, Blogger, or Twitter.

As a bonus, a lucky person who friends us on Facebook between now and September 30, 2011 will get a surprise gift.

Here are pictures of some awesome cars we saw this summer.

For a quote on your Classic Auto, or any auto please visit us at

Thursday, August 18, 2011

Pebble Beach Concours d'Elegance Revving Up

Reprint from

Every year, on the third Sunday of August, 200 of the most rare and priceless cars and motorcycles in the world roll cruise onto the 18th fairway at Pebble Beach. Tire meets turf for one of the most competitive events in the automotive world: The Pebble Beach Concours d’Elegance.

Car enthusiast enjoy wandering among exquisitely restored cars with Pebble Beach's coastline as a backdrop. Concours automobiles and motorcycles are judged based on their historical accuracy, technical merit and style from the grand prize, Best In Show.
PHOTOS: 2011 Monterey Auto Week 
The 2011 featured marques and special classes include: Mercedes-Benz and 125 Years of the Automobile, Stutz Centennial, Ferrari 250 GTO, Edwardian Rolls-Royce Silver Ghosts and Italian Motorcycles.

During the week leading up to Sunday's competition, innovative concepts and new cars are unveiled for the first time, antique cars with multimillion dollar price tags are auctioned off, and glistening one-of-a-kind automobiles are paraded around town.

Gordon McCall's Motorworks Revival at the Monterey Jet Center
Gordon McCall's Motorworks Revival at the Monterey Jet Center is one of the most exclusive lifestyle events of its kind in the country. The one night event privately kicks off the World-Class automobile week held each August on the Monterey Peninsula. With an "A-List" of VIP guests from Hollywood celebrities to Captains of Industry, this "Jet Set" crowd arrives in first-class style, to feast on the latest offerings from some of the world's top luxury brands in a relaxed and elegant party setting.

Pebble Beach Tour D'Elegance Presented By Rolex
The Pebble Beach Tour D'Elegance is open to all entrants in the Pebble Beach Concours d’Elegance. Spectators are invited to view the tour at key points along the route, particularly along Ocean Avenue in Carmel. Admission is free. Schedule: 7-8 a.m. cars line up near Collins Field in Pebble Beach, 8:30 a.m. tour departs, tracing portions of 17-Mile Drive and nearby scenic roads, 11:30 a.m.-noon tour arrives in Carmel-by-the-Sea, noon-2 p.m. cars are displayed on Ocean Avenue, 2-2:30 p.m. tour returns to Pebble Beach.

The Quail, A Motorsports Gathering
Held at the Quail Lodge Resort & Golf Club at 8205 Valley Greens Dr. in Carmel, from 11 a.m.-4 p.m. "The Quail provides an unequalled lifestyle experience that combines landmark automobiles, a culinary presentation able to please the most demanding palate, a setting contrasting rolling green lawns and rugged mountain peaks and the renewing of old friendships and the making of new ones in an incomparable atmosphere of serenity, luxury and exclusivity."
RM Monterey

Automobilia Monterey 9th Annual International Expo
"The largest automobilia show in America, and the only time during Concours/Race Week to find these top international dealers in a single venue." Admission is $15 and it runs from 10 a.m.-7 p.m. at the ballroom of the Embassy Suites hotel in Monterey.

Pebble Beach Auction presented by Gooding & Company
Held at 5 p.m. Saturday and 6 p.m. Sunday at the Pebble Beach Equestrian Center, within the Pebble Beach grounds at the corner of Portola Road and Stevenson Drive. "Gooding & Company is recognized the world over as a leading exotic and rare car auction house specializing in the finest antique, classic, sports and racing cars. We have consistently achieved record-breaking results including the highest exotic car sales."

Monday, August 8, 2011

United States Starts Hosting America's Cup Races Begining in 2012

Are you as excited as we are to learn that America's Cup will be hosted here in the U.S. for the first time since 1995?  As boating enthusiasts, us folks here at Horizon Income are beyond ourselves with joy! There is no more beautiful place on this earth to view the magnificent boats than on San Francisco Bay. Book your hotels early!  Here's a reprint of the Golden Gate Yacht Club press release to give you a little more info.  And if you need a quote on your boat insurance don't forget to check us out first at

2013 America's Cup in San FranciscoPress Release
San Francisco, December 31, 2010
California here we come.
Image: 2011 Gilles Martin-Raget/
Competition for oldest trophy in international sport once again returns to American waters.
San Francisco has been selected as the host venue for the 34th America's Cup. An official celebration event will be hosted in San Francisco on January 5th, event location details to be announced.
"We sought a venue that fulfills our promise to showcase the best sailors in the world competing on the fastest boats," said Richard Worth, Chairman, America's Cup Event Authority. "And hosting the America's Cup in San Francisco will realize that promise."
"We thank Mayor Newsom, Board President Chiu, Supervisor Mirkarimi and all of the Board of Supervisors, the staff at City Hall and the Port Authority, Mark Buell and San Francisco America's Cup Organizing Committee, and all who have worked so diligently on securing the bid," Worth continued. "We look forward to working closely with City of San Francisco over the coming months to create a world-class America's Cup event, and a large and lasting beneficial impact on the City."
The world-famous San Francisco Bay will be home to the 2013 America's Cup Finals and the Challenger Selection Series for the Louis Vuitton Cup, as well as an America's Cup World Series event in 2012. This will be the first time the America's Cup has been hosted in the United States since 1995.
"Today is one of great celebration, with San Francisco winning the right to host the America's Cup, and all of the economic benefit, jobs and excitement that comes with it," said Mayor Gavin Newsom. "San Francisco is the best place on Earth to host an event of this stature, and we could not be more proud to be the city that brings the America's Cup back home to the United States."
Independent studies show that the America's Cup delivers the third largest economic impact in sport to host countries, behind the Olympic Games and soccer's World Cup. The 34th America's Cup is projected to pump an estimated $1.4 billion dollars into the San Francisco region.
"As a native San Franciscan, I grew up sailing in front of the City. Racing for the America's Cup in San Francisco is something I have dreamt of my whole life," said Paul Cayard, CEO of Sweden's Artemis Racing, a challenger for the 34th America's Cup. "By hosting sailing's most important event in the Bay, the world will see sailing as it never has before. As a team, Artemis Racing is particularly looking forward to competing in San Francisco."
Racing will be held on the iconic San Francisco Cityfront and be visible from world-renown tourist destinations such as the Golden Gate Bridge, the Marin Headlands, Crissy Field, the Embarcadero and Fisherman's Wharf. An influx of millions of tourists is expected for the Challenger Series for the Louis Vuitton Cup and the America's Cup Finals in late 2013.
"My support for San Francisco hosting the America's Cup goes beyond the opportunity to see our team competing on home waters," said Russell Coutts, CEO, Oracle Racing, the current America's Cup defending team. "We are excited to sail for our sport's greatest trophy, on a stretch of water legendary among sailors worldwide."
The Race Village will be constructed on Piers 19 and 29, with the team bases at and around Pier 30/32. As part of the plan, the America's Cup Event Authority will redevelop these piers as well as the surrounding infrastructure to support the racing, while rehabilitating the piers for the enjoyment of generations of San Franciscans to come.
With a goal of creating the most dynamic America's Cup in history for fans and participants, changes have been introduced to the 34th edition. Enhancements include the introduction of groundbreaking new 72' wing-sailed catamarans capable of speeds in excess of 40 miles per hour, new race formats and rules, and a transformed media and online broadcasting approach to enable an interactive viewer experience.
In the summer of 2011, America's Cup teams will commence racing in the new America's Cup World Series in the new wing-sailed AC45 catamaran. The America's Cup World Series calendar of events will be published in early 2011.

Monday, August 1, 2011

Taking Care of Your Boat Engine


 Engine Exhaust Manifolds

   Marine engine exhaust manifolds and risers must be inspected and replaced regularly or they can fail and cause catastrophic damage to the power plant. Risers and manifolds are the part of the engine that allows exhaust gases and cooling water to be discharged from the system during operation.

   Manifolds and risers are water-jacketed, which means the water chamber is separated from the gas section by a dividing wall. Over time, hot exhaust gases and raw cooling water, especially salt water, corrode the chamber allowing the water to enter the dry side of the part. When this happens, the water can fill the engine, causing all kinds of damage that can put the engine out of commission permanently. The failure often occurs when the engine is running, which means the misdirected water enters the cylinders when the pistons are moving. Because water does not compress, the connecting rods, push rods, and engine block end up distorting and breaking. Sometimes the damage is so severe that the block is not even suitable as a core for rebuilding. To prevent damage of this magnitude, many manufacturers recommend replacing risers every three years and manifolds every five years. Although changing these parts this often may be may be questionable, inspecting them often is not.

   One telltale sign of impending failure is rust around the manifold to riser joint. This joint will often leak during operation, because the water passages are partially obstructed and cannot handle the volume of water that is pumped through the engine. Another sign of a failing riser is an engine that overheats. Many boat owners spend a lot of time and money replacing water pumps, exchangers, and thermostats only to find that their engines still overheat. A competent marine repair facility can pressure test manifolds and risers to check for leaks. Visual inspection is also valuable.

   If you take good care of your manifolds and risers, you’ll save money, and maybe even your boat, in the long run.

   For more information go to