MOTORCYCLE / BOAT / RV INSURANCE

Why do you need insurance for your motorcycle?

You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
Your motorcycle may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
How much medical and liability coverage should I have?
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
What’s the process for filing and settling a claim?

WATERCRAFT & BOAT INSURANCE

Why do you need insurance for your boat or personal watercraft?

You’ll enjoy the water ever more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:

How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
Is my boat or watercraft covered for use year-round?
What discounts and programs are available?
How much medical insurance and liability coverage is enough?
Do I have coverage if I need to have my boat towed in an emergency?
What’s the process for filing and settling a claim?
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

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