Personal Recreational

At a minimum, boats, jet skis, motorcycles/ATVs and recreational vehicles need "liability" and "comprehensive" insurance coverage. Liability protects you if your vehicle injures someone or damages property owned by someone else. Comprehensive insurance protects your property in case of vandalism, damage or destruction caused by theft or fire. Depending on the age and value of your investment, you may want to purchase collision insurance, which provides coverage for damage you cause to your own property.

Boats
The amount you pay for your boat insurance will depend on many factors including the value of the boat, the value of your boating equipment, the engine horsepower and whether it is in-board or out-board, and the length of the boat. You may purchase additional coverage for such things as Fuel and Other Spillage Liability, your boat trailer, medical payments, personal effects and liability to protect you from an uninsured boater. You may be eligible to receive lower rates and discounts for having safety equipment on board or providing protective storage for your boat during non-use or off-season.

Personal Watercraft
The price of insuring a personal watercraft like jet skis varies depending on its engine power and value. Your insurance costs will typically be higher for a personal watercraft larger than 500 cc. You also may obtain insurance to protect your trailer or to pay you for medical payments if you are in an accident.

Motorcycles
Whether you have a cruiser, a sport bike or a trike conversion, chances are we have the policy for you. We cover things like safety apparel...helmets, leathers, gloves; optional equipment like custom paint jobs, side cars, after-market parts and accessories; even towing and roadside assistance.

Recreational Vehicles
You may want to purchase an automobile policy to cover this type of vehicle. This policy will provide you with liability, medical payments and physical damage coverage for your motor-home and can be endorsed to include coverage for rental to others. Other coverages you may want to consider are: