RECREATIONAL INSURANCE

Recreational Insurance Quote Forms

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Recreational Insurance Information

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?

It's really all about protecting yourself financially. If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion: How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) What is the insurance company's level of service and ability to pay claims? What discounts are available? (Ask about good driver, multiple policy and student discounts.) What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Recreational Vehicles

Recreational vehicles and toys offer entertainment and enjoyment for many families; but with all that fun comes unique risk and exposures.

A common misconception is that your recreational vehicles are covered by your home or auto policy. Although there may be some coverage for a recreational vehicle, it is usually limited to liability only and may only provide coverage while at your residence. This means there is no coverage if the recreational vehicle is stolen or vandalized or if you take it off your property. This could also mean there is only coverage for those listed as a driver on your auto policy.

Our team of dedicated agents are here to help you find a plan that will protect you and your equipment.

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