Most people are aware of their choices in home insurance, auto insurance, and life insurance. However, it is not a very well-known fact that you can obtain insurance for nearly any of your possessions. Just because your items are a bit out of the ordinary doesn't mean you cannot get high quality insurance policy coverage for your Classic Auto, Limited Edition Auto, boat, recreational vehicle (RV), Motorcycle or other toy. Here are some of the basics about other insurance coverage types.
Umbrella insurance gives you extra liability coverage that exceeds your homeowners, auto, boat policy, or other Personal Policy. Once the liability limits on those policies have been exhausted, your umbrella policy will be activated. These policies will cover liability related coverage for situations like: Rental units, accusation of libel or slander, and false arrest. The umbrella policy will fill gaps in your existing policies. Many umbrella policies pay defense costs even if a baseless suit is brought against you.
Recreational Vehicle (RV) Insurance
This is truly a vital type of insurance because if you own a recreational vehicle you are likely to be out on the road with it, traveling through different areas—often different states. Your recreational vehicle needs to be insured just as much as your daily driver does—and because your monetary investment in the RV is so substantial you need to be certain you won't lose that large investment if disaster strikes. There are also many coverage options similar to an Auto Policy. RV coverage can be arranged through our Agency. This will sometimes yield you a substantial policy discount as well.
Whether your boat spends half of its life in the garage or it is out on the sea full time, boat insurance is essential. Your boat is exposed to weather and daily elements no matter where it is, and it may also be exposed to vandals or thieves. Your Homeowner’s policy will not cover your boat whether it is on your property at the time it is stolen or vandalized or not. Ask us about how to make certain you have the supplemental coverage you need to ensure your boat is properly protected.
The best way to get full coverage at reasonable prices is to speak with us about comparing policies. You can easily obtain quotes from multiple top-level carriers conveniently with us by clicking on “Get A Quote” at the top of the page!