Recreational Vehicles

Boat Insurance

Here are some items you’ll need to consider when shopping for boat insurance.

Agreed Value Coverage:

Watercraft's depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Liability:

Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments:

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage Coverage:

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury:

Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal:

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects:

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required. Personal effects coverage does not include jewelry, watches or furs.

Unattached Equipment Coverage:

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

Emergency Assistance:

The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

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Jet Ski Insurance

There’s nothing quite like the freedom of taking a personal watercraft like a jet ski onto the water for a spin. The thrill of the wind and spray in your face is unlike anything else you can experience on a watercraft.  However, those thrills and that freedom have to be tempered with responsibility. That means being responsible when operating your PWC as well as making sure you have the appropriate level of personal watercraft insurance.  This is necessary to protect you, your riders and your PWC in the event of accident, damage or theft.  As the experts in boat insurance, we can help you by providing the precise level of jet ski insurance, personal watercraft insurance, or any other kind of PWC insurance you may require.

 ATV Insurance

 Much like an auto or motorcycle policy, ATV insurance includes a wide range of coverage's, including collision, property damage, bodily injury, comprehensive (such as fire or theft), medical, and uninsured motorist.

Recreational vehicle insurance

Recreational vehicles, or RVs, include a wide range of motorhomes, 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.

​What Does RV Insurance Cover?

RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:

* Total loss replacement coverage

* Campsite and vacation coverage

* Emergency expenses

* Towing and roadside coverage

* Full-timer coverage if your RV is your full time residence

* Uninsured and underinsured motorists coverage

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Snowmobile Insurance​

​Adding a snowmobile to your homeowners policy may seem like the easiest way to cover it. But,that could also leave you with some gaps in your coverage -- especially when you're riding off your property. Some Snowmobile policy's offer protection on any path or open field -- even into Canada.​

Optional coverage's will cover your helmets,riding gloves,and insulated jackets, almost anything that can get damaged during your ride.