We also offer a variety of other types of insurance to fit your everyday needs. Below you will find a list of these along with a brief description. If you have any questions or would like more information about any of these, please contact our office today.
Boat Insurance – There are two basic types of boat insurance—”agreed value” and “actual cash value.” How depreciation, is handled, is what sets them apart. An “agreed value” policy covers the boat based on its value when the policy was written. While it can cost more up front, there is no depreciation for a total loss of the boat (some partial losses may be depreciated). “Actual cash value” policies cost less up front, but factor in depreciation. In other word, the policy will only pay up to the actual cash value of the boat at the time it is declared a total or partial loss.
Personal Watercraft – PWC Insurance helps insurance you and your personal watercraft against accidents, vandalism, & liability. A watercraft policy typically insures you against many common liability losses regardless of whether you operate it yourself or loan it to another person.
Motorcycle – Having motorcycle insurance benefits you, your bike and others on the road. Different types of motorcycle insurance are offered to provide you the proper amount of coverage you need. We insure most types of motorcycles including: sport bikes, custom bikes, dirt bikes, cruisers, trikes, and touring bikes.
RV – RV’s are another type of vehicle that requires being on the road, either by driving or towing. It is important to find the right type of coverage for your RV depending on how much it would cost to replace the RV in the case of a total loss. There are liability policies for RV’s as well to ensure coverage for other drivers on the road and their vehicles. You can also add replacement cost for your personal items to your policy. In the case of a covered loss for your personal items, the amount of coverage you choose for your policy will be the amount that you receive.
Golf Cart – Your homeowners or auto policy will not adequately cover your golf cart which is why it is important to have a separate policy for yours. You have several options from liability only to collision coverage which would cover your golf cart in the event of an accident regardless of who is at fault. You can also on medical payments to cover your necessary medical care you receive as the result of a golf cart accident. Coverage other than collision may be added to protect you from out of the ordinary damages such as fire, theft, flood, and vandalism.
Umbrella – Umbrella coverage is extra liability coverage designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It will provide additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. The protection comes into place when the liability on these other policies have been exhausted. It also provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rentals units you own. Umbrella insurance provides coverage for injuries, damage to property, certain lawsuits and other personal liability situations.
Personal Articles Floater – From jewelry to collectibles, you probably have more valuables than you realize. Your homeowners policy may not cover their full value which is why you will need a personal articles policy. Protecting your valuables from a loss is an affordable option for anyone with treasured belongings. You can receive coverage for all your fine jewelry, silver and china, antiques, fine art, collections, trophies, guns, electronics, and much more.
Pet Insurance – Pet insurance will pay for partly or in total for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out if your pet should die or is lost or stolen. Veterinary bills are extremely expensive and without pet insurance, you will be responsible for paying 100% of your bill.
Immigrant Medical – Proper immigration medical insurance coverage is necessary to protect immigrants from major and minor medical emergencies while they are in the US. The policy is available to non-US citizens coming to the United States on business, pleasure, or immigrate. The coverage period is available for a minimum of 5 days up to 5 years.
Event Insurance – Have an important event coming up that you feel you need to be protected against the unexpected? Event insurance will cover medical expenses in the result one of your guests is injured and even cover any damages to the venue you are renting. No one likes thinking that something could go wrong at their event, but sometimes things can go wrong which is why it is better to be prepared than to not be.
Wedding Insurance – We all know your special day is one of the most important days of your life and all you want is for it to be perfect without thinking of things that could possibly go wrong. This type of insurance will protect you against extreme weather, no show vendors, lost deposits, cancellations or postponement, liability, and even alcohol related incidents.
