There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

• Bodily injury liability – for injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability – for damage the policyholder causes to someone else’s property.
• Collision – for damage to the policyholder’s car from a collision.
• Comprehensive – for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
• Uninsured motorists coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Contact us to learn more about the right car insurance for you.

Although most people think of 4-wheelers when it comes to ATV insurance, in some cases ATV insurance policies can also cover:

• Snowmobiles
• Segways
• Golf Carts
• Tracked All Terrain Vehicles
• Amphibious Vehicles
• Go Carts
• Certain Motorcycles

Contact us to learn more about the right ATV insurance for you.

• Liability Coverage – Pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.
• Collision Coverage – Pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.
• Comprehensive Coverage – covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.
• Uninsured or Underinsured Boater Coverage – Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.
• Medical Payments – Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.
• On-Water Towing and Labor Coverage – This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
• Fishing Equipment Coverage – Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.
• Personal Effects Coverage – Pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

Contact us to learn more about the right boat insurance for you.

• Antique & Classic Cars
• Modern Collector Vehicles
• Modified Vehicles
• Classic Trucks & Utility Vehicles
• Motorsports Vehicles
• Vintage Motorcycles & Scooters
• Retired Commercial Vehicles
• Collector Trailers
• Vehicles Under Construction
• Classic Military Vehicles
• Antique Tractors

Contact us to learn more about the right classic car insurance for you.

• Accessory Coverage  Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
• Comprehensive Physical Damage Coverage  Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
• Collision Coverage Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns. 
• Bodily Injury Liability Coverage Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
• Property Damage Liability Coverage Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
• Medical Payments Coverage Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
• Personal Injury Protection Coverage This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP is designed to be paid without regard to legal liability. 
• Uninsured – Underinsured Motorist Coverage Provides for a motorcycle operator to receive damages for any injury he or she receives from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
• Motorcycle Roadside Assistance Coverage  Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.

Contact us to learn more about the right motorcycle insurance for you.

• Bodily injury liability for injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability for damage the policyholder causes to someone else’s property.
• Collision  for damage to the policyholder’s car from a collision.
• Comprehensive  for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
• Uninsured motorists coverage  for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
• Contents Coverage  Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.

Contact us to learn more about the right RV insurance for you.