Umbrella insurance policies offer additional liability coverage that extends beyond the coverage limits of other existing personal insurance policies. Having this coverage ensures that you won’t have to pay out of pocket for particularly expensive personal liability claims.
Boats, jet skis, and other watercraft should all be insured before they are used. Watercraft insurance will offer liability protection to cover injuries and property damage that happen onboard your watercraft, or that you cause in an accident.
Motorcyclists face serious risks whenever they hit the road. To protect against your risks, you need coverages such as collision, comprehensive, medical payments, personal liability, and uninsured/underinsured motorist. Additionally, motorcycle owners may also need special coverage options such as off-season storage insurance, transport insurance, and specialty equipment and parts insurance.
RV / Camper Insurance
RVs and campers are unique vehicles that can act as a means of transportation as well as a temporary home. This means that RV and camper owners face the same risks as drivers and homeowners. To protect against your unique risks, you need specialty RV insurance to secure the following types of coverage:
- Personal liability
- Personal property (for the contents of your RV)
- Campsite liability
ATV (All-Terrain Vehicle) Insurance
If you own an ATV, then you several coverage options. In some cases, you can secure coverage for your ATV by adding an endorsement to your homeowner insurance policy. However, you may also have to secure specialty ATV insurance, depending on factors such as your home state, where you ride your ATV, and so on. Standard ATV insurance coverages include collision, comprehensive, and personal liability.
Many homeowners assume that flood insurance is included within their homeowners insurance policy. However, this is rarely the case. Typically, flood insurance can only be acquired with a separate policy. While all homeowners should secure flood insurance, this coverage is particularly important for homeowners located in areas of high flood risk.