Additional Insurance Coverages

PERSONAL EXCESS LIABILITY COVERAGE

This coverage provides you with high limit liability coverage over what you carry on your primary homeowners, automobile and any other personal insurance policy.  It is designed to provide coverage in the event of a catastrophic claim, lawsuit or judgment.  The policy covers your whole family and the coverage is worldwide.  Limits for this type of policy start at $1,000,000 and can go up to $20,000,000 or more. 

VALUABLE ARTICLES COVERAGE

This coverage may be written to cover many different classes of property such as jewelry, furs, fine arts and collectibles, silver, sporting equipment, etc.  Many times this coverage is endorsed on to a homeowners policy.  This is called “scheduling” the property because the insurance company is provided a list, or schedule, of items to insure.  Benefits of this form of protection include broader coverage than most homeowners policies provide, worldwide protection and no deductible.  Coverage may also be available on an Agreed Value basis, which means that if the article is lost or stolen, you will receive the amount shown on the policy for that item.

MOTORCYCLE INSURANCE

Provides coverage similar to an automobile policy when you own and drive a motorcycle.  Coverage for ATVs and scooters can also be written on some motorcycle policies.  Coverage is available for liability to others, medical payments for yourself, physical damage coverage to your motorcycle and liability for passengers on your cycle.  Uninsured Motorist coverage is also available.

WATERCRAFT INSURANCE

Provides liability and property coverage for boat owners and their watercraft.  Policies can be written for all different types of boats such as fishing boats, pontoons, speedboats, yachts and personal watercraft such as waverunners and jet skis.  Coverage may also be added to the boat policy for trailers and other accessories used with the boat.

RECREATIONAL VEHICLE INSURANCE

Policies can be written to provide coverage for all different types of recreational vehicles such as pop up trailers, travel trailers, fifth wheels and motor homes.  These policies typically provide liability coverage for when the unit is parked at someplace like a campground and being used as a residence.  Property coverage is also provided for the unit itself and some of the personal property contained in the unit.  For motorhomes, liability coverage is also available for when the unit is being driven.  For units that are being towed behind a vehicle, such as a travel trailer, the liability coverage is provided by the policy that covers the tow vehicle while the unit is being towed.