Seasonal Coverages are Just as Important as Your Primary Coverages

April 27, 2011 at 12:31 PM | Posted in Auto, Motorcycle | Comments Off on Seasonal Coverages are Just as Important as Your Primary Coverages
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If you have seasonal “toys” such as campers, motorcycles, off-road vehicles, boats and ski-doos, or golf carts, make sure you are properly covered. Just because they are only in use for part of the year, that doesn’t reduce your level of exposure.

  • Contents – Even with a primary home policy, coverage for your contents away from home is limited. If you have a camper, make sure you have a camper policy in place that gives you coverage for your contents.
  • Uninsured Motorist – Many off-road vehicles, boats, and golf carts are not insured. Obtaining this coverage will protect you and your passengers from costs associated with bodily injury from others who did not purchase insurance.
  • Property Damage – It happens. Securing this coverage protects you from paying for damages you may have caused to someone else’s property out of your own pocket.
  • Bodily Injury to Others – This coverage protects you against the costs of a lawsuit if you are found to be liable for injury to others. You should be carrying the same limits as your primary auto policy, if not more.
  • Medical Payments – Obtaining this coverage ensures that you, your passengers, and visitors have some immediate medical coverage if needed.

No matter what your passion is, be safe and take any training courses available to improve your skills and possibly qualify you for additional discounts on your insurance coverage.

If you’re not sure what seasonal coverage you need, call us at 888-850-9400… We’ll walk you through it.


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