Recreational Insurance

Do You Need Insurance for Your Off-Road Vehicle?
Most specialized vehicles aren’t covered under your standard auto or home insurance policy, especially when you aren’t on your own property. What’s more, many national, state, or other public parks require specialty vehicle riders to be properly insured.

Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. Contact our team today to talk about:

• ATV (All-terrain vehicle) insurance
• Dirt bike insurance
• Dune buggy insurance
• Golf cart insurance
• Snowmobile insurance

When you’re out on the water, things like insurance can seem a million miles away. But in reality, a great marine insurance policy is the best investment in your next voyage. So protect your investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.

The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers.

We provide coverage for your specific needs with policy options like:

• Navigational Area — Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased.
• Agreed Value Coverage — Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This (CAN THE AREA BELOW this be collapsible with a SEE MORE button?) 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, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. 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.

Motorcycles tend to be considered more dangerous to use than other vehicles not because motorcyclists are more likely to get into accidents than other vehicles, but if they do they are more likely to be injured.

Your motorcycle insurance policy can include any or all of the options below. Contact us today to discuss what coverage is best for you.

Custom Parts and Equipment — If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Roadside Assistance — our motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Liability Coverage — You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Stuber Insurance