A Personal Insurance Update
We generally have great weather all year here, but when spring and summer arrive, it seems like to get out more and spend time in the great outdoors. That means getting your toys insured. That is where we can help. We offer insurance coverage options and competitive prices on all kinds of toys, including boats, personal watercraft, RVs, motorcycles, ATV, and more.
All of these vehicles require insurance to protect you from damage and liability. It is critical to have the right kind of insurance coverage for your recreational vehicles. The majority of these are not automatically covered by your home or auto insurance policies.
You can choose not to insure physical damage to your recreational vehicles, but you must still have liability insurance. You may be required to insure these vehicles if you have loans on them.
Motorcycle Insurance
Motorcycle insurance should be an important part of your insurance planning. Having insurance will help you replace any damaged property and cover medical bills in the event of a serious accident. Depending on the bike, motorcycle insurance is less expensive than car insurance and will provide you with peace of mind while riding. Most types of motorcycles are covered by our insurance policies, including sport bikes, cruisers, standard bikes, touring bikes, custom motorcycles, scooters, and classic motorcycles. Our policies can also include liability coverage, uninsured motorist coverage, medical coverage, custom equipment, medical payments, towing, and labor. Check your current motorcycle insurance policy to ensure that each piece of special equipment is listed.
ATV Insurance
Your ATV is a significant recreational investment. The last thing you want to be concerned about while riding is whether you have adequate insurance coverage. You can ride your bike with confidence knowing that you’re properly insured with a customized All-Terrain Vehicle insurance policy
Whether you ride a 4-wheeler, a dune buggy, or even a golf cart, you can get the ATV insurance you want and the insurance protection you deserve with coverage options such as:
- Collision coverage protects your ATV from damage caused by rocks, trees, and other obstacles or debris.
- Bodily Injury this pays for the medical expenses of others if you are found to be at fault in an accident.
- Uninsured Motorist protects you against loss or damage caused by uninsured or underinsured riders.
- Comprehensive coverage is an added layer of protection against loss or damage caused by theft, fire, or vandalism.
- Property Damage covers expenses incurred due to damage to another person’s property for which you are liable.
RV Insurance
RV insurance rates vary from one company to the next. It is critical that we shop your insurance to ensure that you get the best coverage possible. A one-size-fits-all insurance policy does not exist. Some insurers provide better rates for trucks, RVs, and campers, whereas others provide better rates for expensive motorhomes. We can cover vehicles in classes A, B, and C.
- Liability Coverage for RVs
- Collision and comprehensive insurance
- Around-the-clock roadside assistance
- Uninsured/underinsured motorist protection
- Money for unexpected expenses
- Contents coverage
- Towing protection
- Medical payments insurance
Classic Car Insurance
A classic, collectible or antique car is no ordinary car, and regular auto insurance is not sufficient to protect such a vehicle against damage or loss. Many of the same coverages are provided by a classic car insurance policy as they are by a standard auto insurance policy. A classic car policy may include liability coverage, uninsured/underinsured motorist coverage, and medical coverages such as personal injury protection, liability, or medical payments coverage. You can also get reimbursement for towing and roadside assistance.
Watercraft Insurance
Whether you own a sailboat, a luxury yacht, or something in between, our comprehensive watercraft policy is tailored and designed to your specific needs and includes broad navigational limits to protect you in both domestic and international waters.
We will search the market for the boat insurance program that best fits your individual needs.
- Hull protection
- Liability coverage
- Trailer coverage
- Replacement cost
- Waterski liability
- Coverage for special boat equipment
- Medical payments coverage
- Pollution liability
- On-water towing
- And more
Golf Cart Insurance
Accidents involving golf carts can occur at any time and in any location. While on the golf course, you may cause damage to someone’s property or be involved in an accident. Golf cart insurance is essential because it protects you from these types of risks. Coverage can include; liability, physical damage, collision, and comprehensive coverages.
Personal Watercraft Insurance
In the event of a loss, accident, or damage, or theft, personal watercraft insurance should cover your PWC/jet ski. PWC insurance can cover physical damage, bodily injury, medical payments, towing, and roadside assistance, among other things, depending on the specifics of your policy. We will collaborate with you or your agent to design a coverage plan tailored to your specific requirements.
Through our relationships with many A-rated national and regional insurance companies, we provide a comprehensive array of insurance products for a variety of personal and commercial clients. Allen & Furr Insurance & Wealth Management represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.