Most states require motorcycle owners to buy liability insurance. Liability coverage, which is almost always required, pays out for others’ injuries or damages if you cause an accident. The lowest amount of liability insurance you must buy for your motorcycle is the same as your state’s car insurance minimum requirements.
You can customize your policy to cover the following:
Full replacement cost of your bike, in the event that it is totaled.
Comprehensive coverage, which will pay for loss or damage due to causes “other than collision.” This includes hail and other weather damage, damage from animals, and most importantly motorcycle theft.
Medical payments, in the event that you require hospitalization or medical care.
Uninsured/underinsured motorists coverage, in the event that another driver is at fault in an accident and does not have adequate insurance to pay your costs.
Damage or loss to your gear and upgrades, such as transport trailers, sidecars, custom exhaust equipment, and safety apparel like chaps and helmets.
Consider buying extra liability beyond your state’s minimum requirements to protect your assets in case you’re sued over an accident. Minimum liability limits might not be enough to pay your legal costs and claims if you’re sued, and creditors could go after some of your assets. Also, check with your insurance company to be sure your bodily injury liability insurance covers passengers; in some states, you might need passenger liability coverage to insure them.
Some states require drivers to carry uninsured/underinsured motorist coverage. This coverage pays out for injuries resulting from an accident caused by a driver who’s uninsured or who doesn’t have enough insurance. Uninsured/underinsured coverage can include property damage, but with some insurers you might need to buy it separately. Check with our agency to find the right coverage for you.
ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Here are some details:
Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident. It will also cover the cost of your legal fees if you are sued.
Collision coverage will pay for repairs to your damaged ATV after an accident.
Comprehensive coverage is optional, and will provide protection if your ATV is stolen, damaged by fire, vandalism, or severe weather.
Uninsured/underinsured motorist coverage, also optional, will help cover your costs if another rider causes and accident, and does not have the insurance to pay for your expenses.
The best way to get a sense of your need for these types of insurance and the cost of premiums is to meet with an independent agent in our agency to review details of your situation. Our agency can shop for quotes to give you a better idea of the best coverage for your needs.
Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft's with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or personal watercraft's (PWC).
For small watercraft's, you may find some limited coverage under your homeowners policy. You may also be able to add a special endorsement or buy separate coverage. Contact an independent agent for assistance with all of your boat coverage.
Your boat insurance policy may include the following:
Collision damage: Includes repair or replacement of your boat, but may or may not include clean-up of wreckage unless you purchase optional additional coverage.
Property damage liability: Covers damage you might cause to someone else’s boat, a dock, or other property or structures.
Bodily injury liability: Covers injury you might cause someone while using your boat; includes medical bills, lost income, pain and suffering, and legal expenses.
Comprehensive: Provides compensation if your boat is vandalized, stolen, or damaged in an incident other than a collision.
Additional coverage options: Coverage for medical payments, fishing equipment, oil spills, personal property and roadside assistance, as well as damage and injuries from accidents caused by boaters who are uninsured or underinsured.
The amount of compensation you receive for a claim depends on a few things, including your deductibles, limits, and whether your boater’s insurance covers your boat’s actual cash value, replacement cost, or agreed-upon value.
Recreational vehicles, or RVs, include a wide range of motor-homes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.
The classes of RV include:
Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.
Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers and camper vans.
Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.
To find the right RV coverage for your motor-home or camper, contact our agency to help you compare several different RV insurance quotes and find the right coverage for your needs.