Most people are aware of their choices in homeowners insurance, auto Insurance, and life insurance. Did you know you can obtain insurance for nearly any of your possessions? Just because your items are a bit out of the ordinary doesn't mean you can't get high quality insurance coverage for your boat, recreational vehicle (RV), or your other toys. Let our Member's Assurance team teach you some of the basics about other insurance coverage types:
This is a vital type of insurance coverage. If you own a recreational vehicle you are likely to be out on the road, traveling through different areas -- often different states. Your recreational vehicle needs to be insured for liability and collision just as much as your regular auto. Because your monetary investment in the RV is substantial, you don't want to risk that investment if disaster strikes. RV coverage can be arranged through Member's Assurance, and is often merged with your current auto policy. This will often result in a substantial policy discount as well.
Whether your boat spends half of its life in the garage or it is out on the water full time, boat insurance is essential. Boat insurance coordinates with your primary insurance policies to not only protect your investment from damage, but also protect you from liability losses.
Your boat is exposed to many of the same hazards as your home or auto including damage due to collisions, theft, or vandalism. Boat insurance also provides specific liability in case of an at fault accident. Many homeowner policies will not cover a loss on your boat, even if it on your property at the time of loss. It is important to understand how boat insurance coverage works and make sure you are properly covered.
Ask your Member's Assurance independent agent how to make certain you have the proper coverage you need to insure you and your boat are protected.
You may also want to compare prices on umbrella liability policies when you shop for other types of insurance. Umbrella liability policies provide additional liability coverage that coordinates with your home , auto, or other insurance to give you additional peace of mind. Once the liability limits on primary policies are reached, your umbrella policy will kick in to provide additional liability of one million, two million dollars or more. These policies provide liability related coverage for situations like rental units, injury lawsuits, accusation of libel or slander, and false arrest. The umbrella policy will fill important gaps in your existing policies.
The best way to get full coverage at reasonable prices is to speak with your Member's Assurance independent agent about comparing policies. You can easily obtain quotes from multiple top level carriers conveniently over the Internet this way!