Toy Vehicles

Why Do You Need Insurance for Your Recreational Vehicle?

Unless you have a true recreational vehicle insurance package, you could face significant financial loss if your RV is damaged or stolen.

Auto and homeowner’s policies often do not cover RV-specific items such as appliances, plumbing, or accessories. Without dedicated RV insurance, emergency travel expenses may come directly out of your pocket.

A typical travel trailer policy from an auto carrier usually includes only physical damage coverage. Our A+ rated motorhome and travel trailer insurance providers offer coverage far beyond standard auto policies.

Why Do You Need Insurance for Your Motorcycle?

Riding is more enjoyable when you’re not worried about protecting yourself, your passengers, or your investment.

• Repairs or replacement after an accident or theft can be costly
• Medical expenses from injuries can be extremely expensive
• Liability claims could expose you to lawsuits
• Your motorcycle deserves specialized protection

Things to Consider and Questions to Ask Your Agent

Your independent agent helps find coverage tailored to your needs. Consider asking:

• How much can I afford to pay out-of-pocket after a loss?
• What discounts are available for safety courses or multiple policies?
• How much medical and liability coverage should I carry?
• Does the insurer have a strong claims reputation?
• How does the claims process work?

Tips for the Cost-Conscious Rider

Premiums depend on factors such as age, driving record, location, motorcycle type, and training.

• Rider safety courses may reduce premiums by 10–15%
• Maintaining a clean driving record lowers costs
• Lay-up policies can save money during winter months
• Multi-bike, organization, and mature rider discounts may apply

Motorcycle style, mileage, storage location, and bike age also affect premiums.

Why Do You Need Insurance for Your Boat or Personal Watercraft?

Enjoy the water with peace of mind knowing your investment and passengers are protected.

• Repairs or replacement after accidents or theft are expensive
• Medical expenses from injuries can be significant
• Liability claims can exceed personal assets
• Coverage is also needed while towing or storing watercraft

Things to Consider for Boat & Watercraft Insurance

• How much can I afford to pay after a loss?
• Is coverage valid year-round?
• What discounts are available?
• Do I have emergency towing coverage?
• Is the insurer known for fair, prompt claims handling?

What a Personal Watercraft Policy Covers

• Bodily injury
• Property damage
• Guest passenger liability
• Medical payments
• Theft

Liability limits start at $15,000 and can be increased up to $300,000.

Deductibles and Additional Coverage

• $250 property damage deductible
• $500 theft deductible
• $1,000 medical payments deductible

Additional coverage is available for trailers and accessories. Speak with your insurance representative to determine the best coverage for your needs.