Is your boating insurance seaworthy?
Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.
Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.
Does homeowners insurance cover your boat?
The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.
In other words, if you don't carry a boat insurance policy, you may be underinsured.
Boat Insurance: what's covered
Typical coverages should include:
We also provide insurance for the following types of boats and personal watercraft:
Boat insurance discounts spoken here
We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:
There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.
Why we're different
You may think you want the cheapest insurance you can find, but cheap isn't everything.
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.
Contact us today, and we'll help you protect what matters most.
You’ve carefully restored your ride, now it’s time to customize an insurance policy that will cover your antique or collector car just as carefully. In fact, proper coverage is the most important thing for your classic investment.
Classic car insurance and you
Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers. Since classic and collectible cars often register as older vehicles, they aren’t evaluated at their true market value, according to standard insurance practices. So, if you have an accident, you could end up paying the difference out of pocket for repairs or replacements you’re not fully insured for.
We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.
With classics collectibles, one size does NOT fit all
In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.
But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner.
How to qualify for classic and collectible car insurance
When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.
The three essentials for feeling truly free on a ride:
Whether you’ve got the ride of your dreams or you're saving up for your perfect bike, there’s only one way to enhance that feeling of leaving all of your worries behind.
Motorcycle Insurance: do you really need it?
Owning a motorcycle can be one of the most exhilarating things in life, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.
If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.
We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.
What are your coverage options?
There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:
When you need the best motorcycle insurance
You can trust our team when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A-plus-rated insurance carriers we can shop with, to make sure you get the very best Motorcycle Insurance and the lowest premiums.
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your motorcycle.
Recreational Vehicle (RV) owners are a special breed. They love to take to the highway because they know traveling is more than just a means to get from point "A" to point "B."
RV owners know the journey means as much as the destination.
While RV'ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance.
In fact, if you don't have proper insurance for your RV, you may face financial hardship if you should have an accident.
What makes RV insurance unique?
RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.
Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.
Who needs RV insurance?
There are several classes of recreational vehicles and they each need special insurance:
Standard Motorhome Insurance
Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car.
If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.
Options for Your RV Insurance Policy
When you insure your RV, you might want to consider these important options:
Why We're Different
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.