Classic Cars

Cars/trucks that are over 25 years old.

Vehicles that are less than 25 years old, but that attract special interest.

Cars that have been modified in ways that increase performance or change the appearance from the original stock vehicle.

All of these vehicles are used primarily for car club shows, activities, and cruises. A special policy is needed to properly protect your collector vehicle. It costs less to insure antique and classic cars because they are driven limited miles, much less than the typical family car, and are stored in secure garages.

While most cars depreciate in value, classic cars only get more valuable over time, regardless of the physical replacement value.

Motorcycle Insurance

 

Motorcycle insurance is important to protect yourself and others and to protect your bike.

 

Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage. These policies provide coverage for variety of motorcycles, sports bikes, mopeds, and even Segways.

 

A certain amount of liability insurance is required in every state and in the District of Columbia. The amount varies from state-to-state.

 

Insurance carriers may offer discounts if the driver currently has a valid motorcycle license or motorcycle endorsement on their driver’s license.

Motorhomes (RV) & 5th Wheels

Owning a Motorhome (RV) can be a lot of fun and provide a novel way to travel across the country, but it also requires a large investment and should be treated as such. Many factors come into play, and laws can vary by state, making the process rather confusing at times. RV insurance can be very different from car insurance depending on the type of RV or motorhome you have and how much you use it.

Insurance rates for your RV or fifth wheel can vary depending on the following factors:

The market value of the RV.

The weight of the RV.

Whether you use your fifth wheel part-time or live in it full time.

How much the contents are worth.

The location in which you reside and where you travel in your RV.

Your driving record.

Liability coverage for bodily injury and property damage you may cause to another person or their property.

Collision coverage to cover your costs after a crash with a vehicle or objects specified in your policy.

Comprehensive coverage for occurrences such as fire, theft and weather damage (perils covered vary by policy.

Medical payments coverage, which will cover the costs of injuries to you or your passengers.

Uninsured/underinsured motorists insurance, which provides compensation if you are in an accident caused by a driver who does not have sufficient insurance to cover your injury and property damage costs.

Total loss coverage (especially if you just bought an expensive model).

Additional personal items coverage for valuables or to cover any limitations on your basic policy.

Roadside assistance and towing to cover the costs of a breakdown.

Full time insurance if you use your motorhome as your residence.

Special programs for stationary fifth wheelers.

Storage insurance.

You should also talk with your agent about additional insurance requirements you may need to fully insure your fifth wheel for special circumstances, such as campsite/vacation liability, accessories or after-market enhancements, liability for guests and coverage for vehicles you may tow behind your motorhome.

 

You can work with your agent to create a completely customized policy that matches your needs.

Other Recreational Insurance

 

Snowmobiles, All Terrain Vehicles (ATVs), Gators, Golf Carts, Motorized Bicycles, Trail Bikes

 

All of these types of vehicles need their own insurance policy. Unless you have a special insurance policy for these “toys”, damage to (or theft of) these vehicles will not normally be covered by any other insurance that you might have. Your Homeowner Policy Is Not Enough.

 

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance.

 

After you’ve considered the potential liabilities you are exposed to while operating a recreational vehicle, it’s time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

These definitions provide a brief description of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control. Additionally, this informational resource is not intended to fully set out your rights and obligations or the rights and obligations of the insurance company, agent or agency. If you have questions about your insurance, you should contact your insurance agent, the insurance company, or the language of the insurance policy.