Specialty Lines

Motorcycle insurance is a specialized line of insurance that insures your motorcycle for liability, medical payments, uninsured motorists and physical damage. It is important to make sure all additional accessories (chrome, leather items etc. ) are properly added to properly protect your investment. Coverage should be in effect for the entire year to make sure any damage to the bike is covered during the winter months.

Boats and personal watercraft must be specifically insured in most cases for Liability, medical payments, uninsured watercraft liability and physical damage. The coverage generally is covered for depreciated value but some companies offer full replacement cost for newer boats which is a great benefit.

Umbrella insurance provides coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.