Motorcycle Insurance

With motorcycle insurance coverage, you can choose how much and what kind of coverage your bike needs - at a reasonable price. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more. Protect your bike with the following types of motorcycle insurance coverage:

Bodily Injury & Property Damage Liability (BI/PD) - BI/PD covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.

Comprehensive & Collision - This motorcycle insurance coverage pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. The insurance company will pay for the remaining damage.

Uninsured/Underinsured Motorist (UM/UIM) - When the person at fault for an accident doesn't have insurance or doesn't have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.

Medical Payments - MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault.

Custom Parts & Equipment - When you purchase Comprehensive or Collision motorcycle insurance coverage, typically some amount of coverage (generally around $3,000) of Accessory coverage for your custom parts and equipment is included. Additional limits of Accessory coverage can be purchased to cover custom parts that exceed the included value.

Roadside Assistance - If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:

• Mechanical or electrical breakdown
• Dead battery
• Flat tire
• Lockout
• Insufficient supply of fuel, oil, water, or other fluids
• Entrapment in snow, mud, water, or sand within 100 feet of the roadway

Motorcycle Insurance Coverage for Many Types of Bikes. Get the motorcycle insurance coverage you need today, and we'll take care of the rest.

Boat & Yacht Insurance

According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

Boat insurance works similar to the insurance for your car, and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverages you need and any savings that may lower your premium.

Insurance coverages you will want for your boat:

• Liability
• Physical Damage
• Theft
• Medical Payments
• Motor Coverage
• Trailer Coverage
• Boat Covers
• Docking Fenders
• Communications Devices

Discounts you may be entitled to:

• New Boat
• Automatic Fire Extinguisher
• Burglar Alarm
• Ship-To-Shore Radio
• Approved Boating Education Course

Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.

Motor Home and RV Insurance

A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV's covered under auto policies are not adequately covered.

One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the "residence premises." Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's

If the RV owner's insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it's possessions are not covered after a loss occurs.

Tips When You Hit The Road

Before your trip, make sure you get a complete travel check-up for your RV including inspection of all belts and hoses, headlights, tires, and turn signals. Also don't forget to make sure the towing hitch, fire extinguisher and smoke alarms are in working order.

Other good before trip tips are to make sure your cooking vent hood is clean to help avoid fires and to make sure you leave your trip plans and phone numbers with a relative or friend.

Finally, it is important to go over with everyone on the trip basic emergency procedures.

Remind everyone that it is safer to be in the RV during lightning. If there is a tornado warning you will want to find a tornado shelter or the next best thing which would be parking under a bridge or similar structure. Also, don't ever drive through any deep water as the depth can be deceiving.