Other insurance

We all have at least one valuable item that we would be lost without, but we probably don’t think twice about insuring. From boats to motorcycles to your MacBook Pro, you can have anything insured so you won’t suffer from a total loss in case of an accident. Insurance programs can cover just about anything you can think of, so you can feel protected and have a solid backup plan in case of an emergency. Colorado is known for its large population of outdoor and exercise enthusiasts. Plenty of equipment for these types of activities can be very valuable and should be protected through a solid insurance plan. Equipment such as mountain bikes, snowboards, and even GPS devices can be covered under an insurance plan, so you can repair or replace these valuable items in case of damage or destruction.

The best way to determine whether you should buy insurance for an item other than your car or your home is to think about which items you own that you wouldn’t be able to function without and couldn’t afford to replace. If this idea applies to anything you currently own, it would be wise to invest in a proper insurance plan so you can be protected in case of an emergency. Residents of Centennial, Littleton, Englewood, and surrounding regions of Colorado have many insurance companies from which to choose when it comes to alternative insurance options.

Comparing quotes from the sources themselves could help you narrow the list down to what you are looking for, but companies will often leave out important details that apply to your situation simply because they want you to buy insurance from them and not their competitors. Our independent agent can help you compare plans and rates from a non-biased perspective to guarantee that you receive a better understanding of each company. Doing it this way is not only quicker and more convenient but is actually more efficient because you will be seeing the whole picture of the company instead of just the parts they want you to see.

Boat & Watercraft
RV & Motorhome Insurance
ATV Insurance
Personal Liability Umbrella

Boat & Watercraft

Even though boats and watercrafts are generally only used seasonally, they still need to have the right protection. Having the right boat insurance coverage is important to ensuring that your time on the water is relaxing and worry-free. That is why our experienced agents work hard to help you find an insurance policy that protects your investment while keeping your finances from sinking.

Why Watercraft Insurance is Important?

A boat owner’s insurance policy can insure you against most risks of owning and operating your boat and its trailer. Just as importantly, it can protect you against liability lawsuits, should you injure someone with your boat or damage their property.

The average boat costs less than a dollar a day to insure.

Common Types of Coverage

Physical Damage Coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment and your trailer, if it is stolen or damaged. Agreed Value Coverage: boats depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. Agreed value means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Personal Liability Coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident.

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage protects you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Uninsured/Underinsured Watercraft Bodily Injury. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal. Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the owner you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects. Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.

Unattached Equipment Coverage. This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

Emergency Assistance. The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

RV & Motorhome Insurance

Recreational vehicle policies provide very similar coverages like automobile policies: liability coverage (bodily injury and property damage), medical payments, collision, comprehensive, uninsured/underinsured motorist coverage and more.

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss:

  1. Stated Value – market value/actual cash value of the RV
  2. Agreed Value – the insured amount, regardless of the current market value
  3. Replacement Cost – we will replace your insured RV with a new RV that is most like it

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.

Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some policies include Roadside Assistance in the event of a breakdown or accident.

ATV Insurance

Most specialized vehicles are not covered under your standard auto or home insurance policies.

What is more, many national, state, or other public parks in Illinois require specialty vehicle riders to be properly insured.

Common Types of Coverage

Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

Liability Coverage protects you if you cause the damage to another person’s property or injure someone while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Comprehensive coverage pays for the damage resulting from incidents other than collision — like fire, theft, or vandalism.

Collision coverage pays for the damage to your vehicle in case of collision with another vehicle or other object.

Liability Coverage protects you if you cause the damage to another person’s property or injure someone while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Personal Liability Umbrella

An umbrella policy provides you with additional liability coverage ($1,000,000 and more). If the liability limits are exhausted on your home, auto, or other underlying insurance policies, your umbrella insurance policy takes over and provides you with additional protection. An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid. The cost is minimal compared to the comfort of knowing you are covered.

Please contact our agency for more information at 708-433-7777!