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:
- 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
- Discounts 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).
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:
- Discount for completing and approved ATV safety course.
- Discount for owning and insuring multiple ATVs.
Boat and Yacht
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'll want to make sure you have all the coverage you need — and any savings that may lower your premium.
Insurance coverage you need for your boat:
- Physical Damage
- Medical Payments
- Motor Coverage
- Trailer Coverage
- Boat Covers
- Docking Fenders
- Communications Devices