Motor Home
Class A recreational vehicles are motor homes, regardless of the type of chassis beneath them and whether or not the vehicle contains slide-outs.
Class B recreational vehicles are campervans. Campervans are conventional vans with raised roofs, either “pop-up” or “fixed.” They often have small kitchens with refrigerators and gas grills. Larger models may have a water heater, heat and air conditioning, a portable toilet, or an internal shower.
Unlike a Class A mobile home, which is built on a single chassis, a Class C vehicle is attached to a truck and hauled behind. Class C RVs are characterized by a distinctive alcove which fits over the truck cab, providing either a double berth for sleeping or, sometimes, an “entertainment” section, with a TV and video games.
Other Recreational Vehicle Types:
In addition to the three classes of RVs, there are also other types of recreational vehicles or motorhomes:
- Truck Campers: Similar to the C-class vehicles described above, these are smaller RVs, carried in the beds of pickup trucks.
- Pop-up Campers: Collapsible campers with pull-out berths and tent walls, towed in a compact unit behind a vehicle.
- Travel Trailers (sometimes called “caravans”): Non-collapsible, light-weight trailers with simple amenities, towed behind a vehicle.
What kind of RV or motorhome you have will determine the kind of insurance you need!
Motorcycle
Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. This insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.
As with a personal auto policy, there are many additional coverage options available to you, such as Accessory, Custom Parts & Equipment Coverage, Trip Interruption Coverage, or Roadside Assistance Coverage. For that reason, we ask detailed questions during the quoting process to gain insight into your insurance needs.
ATVs
An all-terrain vehicle, also known as a quad, quad bike, three-wheeler, four-wheeler or quadricycle is a vehicle that travels on low-pressure tires, with a seat that is straddled by the operator, along with handlebars for steering control. As the name implies, it is designed to handle a wider variety of terrain than most other vehicles.
Insurance coverage offered:
- Bodily Injury & Property Damage Liability
- Uninsured/Underinsured Motorist
- Comprehensive
- Collision
Several factors can affect your ATV insurance rate. If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher. ATVs with higher displacement or those that are considered more aggressive machines typically cost more to insure based on the history of claims for those vehicles. If you have more than one ATV, let us insure them all with one policy for a discount!
Watercraft / Boat
Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats and leisure crafts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts. For small watercrafts, you may find some limited coverage under your homeowner’s policy. You may also be able to add a special endorsement or buy separate coverage.
The amount of boat insurance you need depends on a number of factors, including the boat’s value, motor size, age, and how you use it. For example, if you have a brand new high performance speed boat, you will need more coverage for bodily injury and property damage liability than if you buy a pleasure cruiser.
You may have questions, special circumstances, or a highly customized or top-dollar boat to insure, and in this case, we’ll ask the right questions during our quoting process in order to get you the coverage you need.
