What is Boatowners Insurance?
Boat insurance protects a boat, its owner, and passengers in the event of a loss. Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.
Boating Insurance Coverages
- Liability Coverage – pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.
- Collision Coverage – pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.
- Comprehensive Coverage – covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.
- Uninsured or Underinsured Boater Coverage – Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.
- Medical Payments – Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.
- On-Water Towing and Labor Coverage – This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
- Fishing Equipment Coverage – Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.
- Personal Effects Coverage – pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.
What is All Terrain Vehicle Insurance?
All Terrain Vehicle insurance provides financial protection against physical damage and/or bodily injury resulting from collisions and against liability that could also arise from the use or storage of your ATV. We provide insurance for a number of vehicles that fall under the category all terrain vehicles.
Additional ATV Insurance Information
Although most people think of 4-wheelers when it comes to ATV insurance, in some cases ATV insurance policies can also cover:
- Golf Carts
- Tracked All Terrain Vehicles
- Amphibious Vehicles
- Go Carts
- Certain Motorcycles
What is Classic Auto Insurance?
Classic Car insurance is very similar to regular car insurance, but is often less expensive because the vehicles being insured are not used for every day driving. There are a number of factors that qualify vehicles for Classic Auto Insurance, including the model year, annual miles driven, and customizations.
Typical Vehicles That Qualify for Classic Car Insurance
- Antique & Classic Cars
- Modern Collector Vehicles
- Modified Vehicles
- Classic Trucks & Utility Vehicles
- Motorsports Vehicles
- Vintage Motorcycles & Scooters
- Retired Commercial Vehicles
- Collector Trailers
- Vehicles Under Construction
- Classic Military Vehicles
- Antique Tractors
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver. Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.
Motorcycle Insurance Coverages
There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:
- Accessory Coverage – Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
- Comprehensive Physical Damage Coverage – Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
- Collision Coverage – Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns.
- Bodily Injury Liability Coverage – Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
- Property Damage Liability Coverage – Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
- Medical Payments Coverage – Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
- Personal Injury Protection Coverage – This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP is designed to be paid without regard to legal liability.
- Uninsured/Underinsured Motorist Coverage – Provides for a motorcycle operator to receive damages for any injury he or she receives from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
- Motorcycle Roadside Assistance Coverage – Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.
What is RV Insurance?
RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more. Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.
Recreational Vehicle Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
- Bodily injury liability – for injuries the policyholder causes to someone else.
- Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
- Property damage liability – for damage the policyholder causes to someone else’s property.
- Collision – for damage to the policyholder’s car from a collision.
- Comprehensive – for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
- Uninsured motorists coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
- Contents Coverage – Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.