Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners. If you own a motorcycle -- whether you ride it or not! -- you need this coverage to protect you from theft, collision, and other common exposures. Some of the items that may affect premiums include:

• Your driving record
  
• Where you keep your cycle (in the open or in garage)
  
• Your credit record
  
• How many years you have been driving a motorcycle
  
• Your age
  
• Previous Cycle Coverage
• Anti-theft devices

ATV Insurance

Most states don't require ATV insurance and you may have limited coverage if you have a homeowners policy. If you have an ATV we urge you to contact us and let us review your specific policy to determine whether you need a separate ATV Policy.

Many insurance companies offer discounts to help lower your premium such as:

• A discount for completing an approved ATV safety course.
• A discount for owning and insuring multiple ATVs.
• A discount for being a member of associations such as the Harley-Davidson Owners Group (HOG), American Motorcyclist Association (AMA) or the Honda Rider's Club of America (HRCA).

 
Boat & Yacht Insurance

According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

Boat insurance works similar to the insurance for your car and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverages you need and any savings that may lower your premium.

Insurance coverages you will want for your boat:

• Liability
• Physical Damage
• Theft
• Medical Payments
• Motor Coverage
• Trailer Coverage
• Boat Covers
• Docking Fenders
• Communications Devices

Discounts you may be entitled to:

• New Boat
• Automatic Fire Extinguisher
• Burglar Alarm
• Ship-To-Shore Radio
• Approved Boating Education Course

Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.

 
Motor Home and RV Insurance

A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV's covered under auto policies are not adequately covered.

One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but coverage on personal property is limited when the property is kept somewhere other than the "residence premises". Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's.

If the RV owner's insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and its possessions are not covered after a loss occurs.

Tips When You Hit The Road

Before your trip, make sure you get a complete travel check-up for your RV including inspection of all belts and hoses, headlights, tires, and turn signals. Also don't forget to make sure the towing hitch, fire extinguisher and smoke alarms are in working order.

Other good before trip tips are to make sure your cooking vent hood is clean to help avoid fires and to make sure you leave your trip plans and phone numbers with a relative or friend.

Finally, it is important to go over with everyone the trip's basic emergency procedures.

Remind everyone that it is safer to be in the RV during lightning. If there is a tornado warning, you will want to find a tornado shelter or the next best thing which would be parking under a bridge or similar structure. Also, never drive through any deep water as the depth can be deceiving.