Motor Home and RV Insurance
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. In many instances, RV's covered under auto policies are not adequately insured.

Where is it parked? It matters.
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 vehicle is kept somewhere other than the "residence premises." Often the limit in a standard policy is very low and the usual policy deductible would apply.

To insure proper and adequate coverage, owners should add separate RV coverage to their current auto policy, or secure a policy specifically for RVs. If the 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 its possessions are not covered after a loss occurs.

Boat & Yacht Insurance
According to information from the U.S. Coast Guard, property damage to boats has been increasing and 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 keep it insured. Even if you're not required to insure your boat, it's 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 coverage you need and any savings that may lower your premium.

Insurance coverage's you will want for your boat:

Liability Physical Damage Theft Medical Payments Motor Coverage

Trailer Coverage Boat Covers Docking Fenders Communications Devices

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 coverage or would be eligible for additional discounts.