Often, we receive a phone call from an insured that they have purchased either a motorcycle, camper, motor home, boat or ATV and ask if they can add it to their auto or homeowners policies. Although there are companies that allow the addition of a motorcycle and RV to their auto policy or a boat to their homeowners policy…their primary policies do not provide the coverage that a stand alone policy from a company that specializes in this coverage would. We have multiple companies that have stand alone policies for items as described below.

 

 The following examples are some benefits of insuring the toy on its own.  Some coverages do not apply to all companies or policies:

 

Motorcycles

  • Accessory Coverage
  •  Transport Trailer Coverage- provides coverage on a transport trailer up to $10,000 of physical damage
  •  Roadside Assistance
  •  Comprehensive Collision
  •  Bi and PD Coverage
  •  SUM
  •  Medical Payments
  •  Trip Interruption
  •  Rental Vehicle Coverage
  •  On-road Coverage for Off-road Vehicles
  •  Safety Apparel

Roaming Homes image of an rv

  •  Total Loss Replacement- replaces  “totaled” RV w/ a new model of similar make & quality
  • Emergency Vacation Expense- up to $2,000 for lodging and transportation if RV is damaged during a trip
  •  Replacement Cost Personal Effects- protects personal items including cameras, clothes, cell phones, etc.
  •  24 Hour Roadside Assistant- assistance for disabled vehicles and a tow truck
  •  Windshield Coverage- new $0 deductible option for damaged windshield
  •  Free Pet Injury Coverage- up to $3,000 toward veterinary fees or pet replacement
  •  Vacation Liability- pays up to specified limits for which insured is liable as a result of an accident that occurs while RV is used as a temporary vacation residence
  •  Full timers Coverage- “homeowner-like” coverage when RV is used as a permanent residence. Includes full-timers personal liability, medical payments to others, loss assessment & storage shed contents coverage.

ATV

  •  Can be covered on homeowners if the ATVs are used on the property for maintaining the property. If they are on your homeowners policy and you have a claim that claim will go on your homeowners
  •  Accessory Coverage- for any extra accessories they may have on ATV
  •  Medical Payments- important for the operator of the ATV
  •  Can be covered on homeowners if the ATVs are used on the property for maintaining the property. If they are on your homeowners policy and you have a claim that claim will go on your homeowners
  •  Accessory Coverage- for any extra accessories they may have on ATV
  •  Medical Payments- important for the operator of the ATV

Boat

  •  Homeowners policy will not cover a boat like an actual boat policy. An endorsement on the homeowners policy simply provides coverage for liability and physical damage
  •  Total Loss Replacement- replaces insured’s boat w/ a brand new one of similar make and quality
  •  Disappearing Deductibles- reduces deductible by 25% at each claim free renewal
  •  Replacement Cost Personal Effects- protects the insured’s personal items
  •  Replacement Coast fishing Equipment- up to $10,000 for tackle, rods, and reels
  •  24 Hour Roadside Assistance- covers trailer and tow vehicle
  •  Emergency Towing and Labor- provides on-water towing services
  •  Wreckage Removal Coverage
  •  Property Damage Liability- includes coverage for fuel spill clean up
  •  Medical Payments- includes coverage for water-skiers

Give us a call for a quote for any recreational items- 716-631-0190

 

Posted 1:20 PM

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