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 below 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
In Texas you are not required to have 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:
- A discount for completing and approved ATV safety course
- A discount for owning and insuring multiple ATVs
- A discount 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).
A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV’s covered under auto policies are not adequately covered.
One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply.
To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's.
If the RV owner’s insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it’s possessions are not covered after a loss occurs.
Boat & 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 will want to make sure you have all the coverages you need and any savings that may lower your premium.
Insurance coverages you will want for your boat:
- Physical Damage
- Medical Payments
- Motor Coverage
- Trailer Coverage
- Boat Covers/Docking Fenders/Communications Devices/Other Optional Equipment
Discounts you may be entitled to:
- New Boat
- Automatic Fire Extinguisher
- Burglar Alarm
- Ship-To-Shore Radio
- Approved Boating Education Course
Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.
Manufactured home insurance provides coverage for your mobile home, garage or shed, and your personal belongings. It may also provide financial protection in case you unintentionally injure someone or damage their property.
Having the right insurance helps you protect one of your most valuable assets – your home.
Fire. Theft. Windstorms. These are risks you face every day as a mobile home owner. You are also at risk in case someone gets hurt while at your home, or you accidentally damage someone else's property. Mobile home insurance offers peace of mind in knowing that your finances won't suffer if unexpected events like these happen.
Do you have a mortgage on your mobile home? The financial institution that holds your mortgage may require you to have mobile home insurance.
Similar to conventional home insurance, mobile home insurance protects you in four basic ways:
- Enables you to repair/replace or get actual cash value for your mobile home usually depending on age
- Allows you to replace your personal belongings if they are destroyed, stolen or damaged
- Covers injuries that happen to other people or their property while in your home
- Covers your additional living expenses if you're forced to leave your home because of a claim
Before purchasing mobile home insurance, consider the following questions:
- What would it cost to replace your mobile home?
- What would it cost to replace the contents of your mobile home?
- Do you have an inventory and photographs of your personal possessions?
- What kind of protection do you have against liability claims?
- Do you have items that should be insured with special coverage such as jewelry, cameras, collectibles etc.
- Does your mobile home have a fire extinguisher, deadbolt locks or other money-saving safety features?